0001174947-16-003027.txt : 20160809 0001174947-16-003027.hdr.sgml : 20160809 20160809131156 ACCESSION NUMBER: 0001174947-16-003027 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 91 CONFORMED PERIOD OF REPORT: 20160630 FILED AS OF DATE: 20160809 DATE AS OF CHANGE: 20160809 FILER: COMPANY DATA: COMPANY CONFORMED NAME: FIRST BANCORP /NC/ CENTRAL INDEX KEY: 0000811589 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 561421916 STATE OF INCORPORATION: NC FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-15572 FILM NUMBER: 161817123 BUSINESS ADDRESS: STREET 1: 341 NORTH MAIN ST STREET 2: PO BOX 508 CITY: TROY STATE: NC ZIP: 27371-0508 BUSINESS PHONE: 9105766171 10-Q 1 form10q-16327_fbnc.htm 10-Q

 

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

 

 

 

 

FORM 10-Q

 

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the quarterly period ended June 30, 2016

 

 

 

Commission File Number 0-15572

 

                           FIRST BANCORP                           

(Exact Name of Registrant as Specified in its Charter)

 

North Carolina   56-1421916
(State or Other Jurisdiction of   (I.R.S. Employer
Incorporation or Organization)   Identification Number)
     
300 SW Broad St., Southern Pines, North Carolina   28387
(Address of Principal Executive Offices)   (Zip Code)
     
(Registrant's telephone number, including area code)   (910)   246-2500

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding twelve months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.  x YES          o NO

 

Indicate by check mark whether the registrant has submitted electronically and posted on its corporate website, if any, every Interactive Data File required to be submitted and posted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).   x YES           o NO

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of “large accelerated filer,” “accelerated filer,” and “smaller reporting company” in Rule 12b-2 of the Exchange Act. (Check one)

 

o Large Accelerated Filer           x Accelerated Filer           o Non-Accelerated Filer           o Smaller Reporting Company

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).    o YES           x NO

 

The number of shares of the registrant's Common Stock outstanding on July 31, 2016 was 20,087,942.

 

 

 

 

 

INDEX

FIRST BANCORP AND SUBSIDIARIES

 

 

  Page
   
Part I.  Financial Information  
   
Item 1 - Financial Statements  
   
Consolidated Balance Sheets - June 30, 2016 and June 30, 2015 (With Comparative Amounts at December 31, 2015) 4
   
Consolidated Statements of Income - For the Periods Ended June 30, 2016 and 2015 5
   
Consolidated Statements of Comprehensive Income - For the Periods Ended June 30, 2016 and 2015 6
   
Consolidated Statements of Shareholders’ Equity - For the Periods Ended June 30, 2016 and 2015 7
   
Consolidated Statements of Cash Flows -  For the Periods Ended June 30, 2016 and 2015 8
   
Notes to Consolidated Financial Statements 9
   
Item 2 – Management’s Discussion and Analysis of Consolidated Results of Operations and Financial Condition 42
   
Item 3 – Quantitative and Qualitative Disclosures About Market Risk 66
   
Item 4 – Controls and Procedures 68
   
Part II.  Other Information  
   
Item 1 – Legal Proceedings 68
   
Item 1A – Risk Factors 68
   
Item 2 – Unregistered Sales of Equity Securities and Use of Proceeds 68
   
Item 6 – Exhibits 69
   
Signatures 71

 

Page 2 

FORWARD-LOOKING STATEMENTS

 

Part I of this report contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934 and the Private Securities Litigation Reform Act of 1995, which statements are inherently subject to risks and uncertainties. Forward-looking statements are statements that include projections, predictions, expectations or beliefs about future events or results or otherwise are not statements of historical fact. Further, forward-looking statements are intended to speak only as of the date made. Such statements are often characterized by the use of qualifying words (and their derivatives) such as “expect,” “believe,” “estimate,” “plan,” “project,” or other statements concerning our opinions or judgment about future events. Our actual results may differ materially from those anticipated in any forward-looking statements, as they will depend on many factors about which we are unsure, including many factors which are beyond our control. Factors that could influence the accuracy of such forward-looking statements include, but are not limited to, the financial success or changing strategies of our customers, our level of success in integrating acquisitions, actions of government regulators, the level of market interest rates, and general economic conditions. For additional information about factors that could affect the matters discussed in this paragraph, see the “Risk Factors” section of our 2015 Annual Report on Form 10-K.

Page 3 

 

Part I. Financial Information

Item 1 - Financial Statements

First Bancorp and Subsidiaries

Consolidated Balance Sheets

 

($ in thousands-unaudited)  June 30,
2016
   December 31,
2015 (audited)
   June 30,
2015
 
ASSETS               
Cash and due from banks, noninterest-bearing  $58,956    53,285    75,151 
Due from banks, interest-bearing   189,404    213,426    102,567 
Federal funds sold   143    557    674 
     Total cash and cash equivalents   248,503    267,268    178,392 
                
Securities available for sale   219,762    165,614    214,450 
Securities held to maturity (fair values of $146,099, $157,146, and $167,759)   142,073    154,610    165,245 
                
Presold mortgages in process of settlement   4,104    4,323    4,934 
                
Loans – non-covered   2,519,747    2,416,285    2,298,955 
Loans – covered by FDIC loss share agreement   78,387    102,641    113,824 
   Total loans   2,598,134    2,518,926    2,412,779 
Allowance for loan losses – non-covered   (24,949)   (26,784)   (30,155)
Allowance for loan losses – covered   (1,074)   (1,799)   (1,935)
   Total allowance for loan losses   (26,023)   (28,583)   (32,090)
   Net loans   2,572,111    2,490,343    2,380,689 
                
Premises and equipment   76,991    74,559    75,087 
Accrued interest receivable   9,152    9,166    9,134 
FDIC indemnification asset   5,157    8,439    11,982 
Goodwill   73,541    65,835    65,835 
Other intangible assets   3,612    1,336    1,697 
Foreclosed real estate – non-covered   10,221    9,188    9,954 
Foreclosed real estate – covered   385    806    1,945 
Bank-owned life insurance   73,098    72,086    56,175 
Other assets   27,836    38,492    36,000 
        Total assets  $3,466,546    3,362,065    3,211,519 
                
LIABILITIES               
Deposits:   Noninterest bearing checking accounts  $709,887    659,038    614,619 
Interest bearing checking accounts   636,316    626,878    553,918 
Money market accounts   639,849    639,189    578,405 
Savings accounts   197,445    186,616    184,786 
Time deposits of $100,000 or more   412,564    403,545    398,348 
Other time deposits   275,959    296,019    323,051 
     Total deposits   2,872,020    2,811,285    2,653,127 
Borrowings   206,394    186,394    176,394 
Accrued interest payable   586    585    625 
Other liabilities   25,932    21,611    15,984 
     Total liabilities   3,104,932    3,019,875    2,846,130 
                
Commitments and contingencies               
                
SHAREHOLDERS’ EQUITY               
Preferred stock, no par value per share.  Authorized: 5,000,000 shares               
     Series B issued & outstanding:  None, None, and 31,500 shares           31,500 
     Series C, convertible, issued & outstanding:  728,706, 728,706, and 728,706 shares   7,287    7,287    7,287 
Common stock, no par value per share.  Authorized: 40,000,000 shares               
     Issued & outstanding:  20,087,942, 19,747,509, and 19,780,017 shares   139,832    133,393    133,061 
Retained earnings   216,223    205,060    194,600 
Accumulated other comprehensive income (loss)   (1,728)   (3,550)   (1,059)
     Total shareholders’ equity   361,614    342,190    365,389 
          Total liabilities and shareholders’ equity  $3,466,546    3,362,065    3,211,519 

 

See accompanying notes to consolidated financial statements.

Page 4 

 

First Bancorp and Subsidiaries

Consolidated Statements of Income

 

($ in thousands, except share data-unaudited)  Three Months Ended
June 30,
   Six Months Ended
June 30,
 
   2016   2015   2016   2015 
INTEREST INCOME                    
Interest and fees on loans  $30,809    28,953    60,382    58,394 
Interest on investment securities:                    
     Taxable interest income   1,961    1,664    3,784    3,023 
     Tax-exempt interest income   432    457    877    920 
Other, principally overnight investments   177    186    399    381 
     Total interest income   33,379    31,260    65,442    62,718 
                     
INTEREST EXPENSE                    
Savings, checking and money market accounts   409    281    803    550 
Time deposits of $100,000 or more   622    732    1,274    1,579 
Other time deposits   255    327    529    669 
Borrowings   555    315    1,103    612 
     Total interest expense   1,841    1,655    3,709    3,410 
                     
Net interest income   31,538    29,605    61,733    59,308 
Provision for loan losses – non-covered   489    1,001    2,109    1,105 
Provision (reversal) for loan losses – covered   (770)   (160)   (2,132)   (428)
Total provision (reversal) for loan losses   (281)   841    (23)   677 
Net interest income after provision (reversal) for loan losses   31,819    28,764    61,756    58,631 
                     
NONINTEREST INCOME                    
Service charges on deposit accounts   2,565    2,881    5,250    5,773 
Other service charges, commissions and fees   3,043    2,771    5,873    5,313 
Fees from presold mortgage loans   410    731    781    1,539 
Commissions from sales of insurance and financial products   937    665    1,875    1,226 
SBA consulting fees   720        720     
Bank-owned life insurance income   504    383    1,012    754 
Foreclosed property gains (losses) – non-covered   (556)   (580)   (793)   (1,075)
Foreclosed property gains (losses) – covered   423    254    870    492 
FDIC indemnification asset income (expense), net   (2,178)   (1,828)   (4,544)   (4,220)
Securities gains           3     
Other gains (losses)   51    (273)   (126)   (269)
     Total noninterest income   5,919    5,004    10,921    9,533 
                     
NONINTEREST EXPENSES                    
Salaries   12,560    11,581    24,035    23,078 
Employee benefits   2,578    2,298    5,284    4,481 
   Total personnel expense   15,138    13,879    29,319    27,559 
Net occupancy expense   1,843    1,812    3,786    3,681 
Equipment related expenses   919    949    1,789    1,905 
Merger and acquisition expenses   485        686     
Intangibles amortization   261    180    447    360 
Other operating expenses   7,501    7,480    14,893    14,509 
     Total noninterest expenses   26,147    24,300    50,920    48,014 
                     
Income before income taxes   11,591    9,468    21,757    20,150 
Income tax expense   3,952    3,224    7,281    6,918 
                     
Net income   7,639    6,244    14,476    13,232 
                     
Preferred stock dividends   (59)   (212)   (117)   (429)
                     
Net income available to common shareholders  $7,580    6,032    14,359    12,803 
                     
Earnings per common share:                    
     Basic  $0.38    0.30    0.72    0.65 
     Diluted   0.37    0.30    0.70    0.63 
                     
Dividends declared per common share  $0.08    0.08    0.16    0.16 
                     
Weighted average common shares outstanding:                    
     Basic   19,921,413    19,778,640    19,852,580    19,750,316 
     Diluted   20,693,644    20,508,955    20,627,012    20,481,466 

 

See accompanying notes to consolidated financial statements.

Page 5 

First Bancorp and Subsidiaries

Consolidated Statements of Comprehensive Income

 

 

   Three Months Ended
June 30,
   Six Months Ended
June 30,
 
($ in thousands-unaudited)  2016   2015   2016   2015 
                 
Net income  $7,639    6,244    14,476    13,232 
Other comprehensive income (loss):                    
   Unrealized gains (losses) on securities available for sale:                    
Unrealized holding gains (losses) arising during the period, pretax   2,071    (990)   2,888    (743)
      Tax (expense) benefit   (807)   386    (1,126)   291 
Reclassification to realized gains           (3)    
      Tax expense           1     
Postretirement Plans:                    
Amortization of unrecognized net actuarial (gain) loss   51    (16)   102    (47)
       Tax expense (benefit)   (20)   6    (40)   18 
Other comprehensive income (loss)   1,295    (614)   1,822    (481)
                     
Comprehensive income  $8,934    5,630    16,298    12,751 
                     

 

See accompanying notes to consolidated financial statements.

Page 6 

 

First Bancorp and Subsidiaries

Consolidated Statements of Shareholders’ Equity

 

 

 

 

(In thousands, except per share - unaudited)

  Preferred   Common Stock   Retained   Accumulated
Other
Comprehensive
   Total
Share-
holders’
 
   Stock   Shares   Amount   Earnings   Income (Loss)   Equity 
                         
Balances, January 1, 2015  $70,787    19,710   $132,532    184,958    (578)   387,699 
                               
Net income                  13,232         13,232 
Preferred stock redeemed (Series B)   (32,000)                       (32,000)
Stock option exercises        2    32              32 
Cash dividends declared ($0.16 per common share)                  (3,161)        (3,161)
Preferred dividends                  (429)        (429)
Stock-based compensation        68    497              497 
Other comprehensive income (loss)                       (481)   (481)
                               
Balances, June 30, 2015  $38,787    19,780   $133,061    194,600    (1,059)   365,389 
                               
                               
Balances, January 1, 2016  $7,287    19,748   $133,393    205,060    (3,550)   342,190 
                               
Net income                  14,476         14,476 
Cash dividends declared ($0.16 per common share)                  (3,196)        (3,196)
Preferred dividends                  (117)        (117)
Equity issued pursuant to acquisitions        279    5,509              5,509 
Stock option exercises        23    375              375 
Stock-based compensation        38    555              555 
Other comprehensive income (loss)                       1,822    1,822 
                               
Balances, June 30, 2016  $7,287    20,088   $139,832    216,223    (1,728)   361,614 

 

See accompanying notes to consolidated financial statements.

 

Page 7 

First Bancorp and Subsidiaries

Consolidated Statements of Cash Flows

 

   Six Months Ended
June 30,
 
($ in thousands-unaudited)  2016   2015 
Cash Flows From Operating Activities          
Net income  $14,476    13,232 
Reconciliation of net income  to net cash provided by operating activities:          
     Provision (reversal) for loan losses   (23)   677 
     Net security premium amortization   1,523    1,612 
     Purchase accounting accretion and amortization, net   1,289    983 
     Foreclosed property losses and write-downs (gains), net   (77)   583 
     Gain on securities available for sale   (3)    
     Other losses (gains)   126    269 
     Decrease (increase) in net deferred loan costs   (201)   127 
     Depreciation of premises and equipment   2,244    2,255 
     Stock-based compensation expense   380    404 
     Amortization of intangible assets   447    360 
     Origination of presold mortgages in process of settlement   (32,046)   (56,744)
     Proceeds from sales of presold mortgages in process of settlement   32,300    57,759 
     Decrease (increase) in accrued interest receivable   14    (214)
     Decrease (increase) in other assets   11,116    (2,193)
     Increase (decrease) in accrued interest payable   1    (61)
     Decrease in other liabilities   (651)   (1,595)
          Net cash provided by operating activities   30,915    17,454 
           
Cash Flows From Investing Activities          
     Purchases of securities available for sale   (99,896)   (83,313)
     Purchases of securities held to maturity       (2,003)
     Proceeds from maturities/issuer calls of securities available for sale   47,846    25,515 
     Proceeds from maturities/issuer calls of securities held to maturity   11,796    14,458 
     Proceeds from sales of securities available for sale   8     
     Proceeds (purchases) of Federal Reserve and Federal Home Loan Bank stock, net   (988)   (9,582)
     Net increase in loans   (82,723)   (27,549)
     Proceeds (payments) related to FDIC loss share agreements   (738)   6,912 
     Proceeds from sales of foreclosed real estate   3,375    3,935 
     Purchases of premises and equipment   (3,695)   (2,956)
     Proceeds from sales of premises and equipment   21    847 
     Net cash paid in acquisition   (2,519)    
          Net cash used by investing activities   (127,513)   (73,736)
           
Cash Flows From Financing Activities          
     Net increase (decrease) in deposits   60,735    (42,779)
     Net increase in borrowings   20,000    60,000 
     Cash dividends paid – common stock   (3,160)   (3,154)
     Cash dividends paid – preferred stock   (117)   (509)
     Redemption of preferred stock       (32,000)
     Proceeds from stock option exercises   375    32 
          Net cash provided (used) by financing activities   77,833    (18,410)
           
Decrease in cash and cash equivalents   (18,765)   (74,692)
Cash and cash equivalents, beginning of period   267,268    253,084 
           
Cash and cash equivalents, end of period  $248,503    178,392 
           
Supplemental Disclosures of Cash Flow Information:          
Cash paid (received) during the period for:          
     Interest  $3,708    3,471 
     Income taxes   (933)   9,093 
Non-cash transactions:          
     Unrealized gain (loss) on securities available for sale, net of taxes   1,760    (452)
     Foreclosed loans transferred to other real estate   3,910    4,296 

 

See accompanying notes to consolidated financial statements.

Page 8 

 

First Bancorp and Subsidiaries

Notes to Consolidated Financial Statements

 

 

(unaudited) For the Periods Ended June 30, 2016 and 2015  

 

Note 1 - Basis of Presentation

 

In the opinion of the Company, the accompanying unaudited consolidated financial statements contain all adjustments necessary to present fairly the consolidated financial position of the Company as of June 30, 2016 and 2015 and the consolidated results of operations and consolidated cash flows for the periods ended June 30, 2016 and 2015. All such adjustments were of a normal, recurring nature. Reference is made to the 2015 Annual Report on Form 10-K filed with the SEC for a discussion of accounting policies and other relevant information with respect to the financial statements. The results of operations for the periods ended June 30, 2016 and 2015 are not necessarily indicative of the results to be expected for the full year. The Company has evaluated all subsequent events through the date the financial statements were issued.

 

Note 2 – Accounting Policies

 

Note 1 to the 2015 Annual Report on Form 10-K filed with the SEC contains a description of the accounting policies followed by the Company and discussion of recent accounting pronouncements. The following paragraphs update that information as necessary.

 

In June 2014, the Financial Accounting Standards Board (“FASB”) issued guidance which clarifies that performance targets associated with stock compensation should be treated as a performance condition and should not be reflected in the grant date fair value of the stock award. The amendments were effective for the Company on January 1, 2016. The Company will apply the guidance to all stock awards granted or modified after January 1, 2016. The Company’s adoption of these amendments did not have a material effect on its financial statements.

 

In January 2015, the FASB issued guidance to eliminate from U.S. GAAP the concept of an extraordinary item, which is an event or transaction that is both (1) unusual in nature and (2) infrequently occurring. Under the new guidance, an entity will no longer (1) segregate an extraordinary item from the results of ordinary operations; (2) separately present an extraordinary item on its income statement, net of tax, after income from continuing operations; or (3) disclose income taxes and earnings-per-share data applicable to an extraordinary item. The amendments were effective for the Company on January 1, 2016, and did not have a material effect on its financial statements.

 

In February 2015, the FASB issued guidance which amends the consolidation requirements and significantly changes the consolidation analysis required under U.S. GAAP. The amendments were expected to result in the deconsolidation of many entities. The amendments were effective for the Company on January 1, 2016. The adoption of these amendments did not have a material effect on the Company’s financial statements.

 

In April 2015, the FASB issued guidance that will require debt issuance costs related to a recognized debt liability to be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability. This update affects disclosures related to debt issuance costs but does not affect existing recognition and measurement guidance for these items. The amendments were effective for the Company on January 1, 2016. The Company’s adoption of these amendments did not have a material effect on its financial statements.

 

In April 2015, the FASB issued guidance which provides a practical expedient that permits the Company to measure defined benefit plan assets and obligations using the month-end that is closest to the Company’s fiscal year-end. The amendments were effective for the Company on January 1, 2016. The Company’s adoption of these amendments did not have a material effect on its financial statements.

 

In June 2015, the FASB issued amendments to clarify the Accounting Standards Codification, correct unintended application of guidance, and make minor improvements that are not expected to have a significant effect on current accounting practice or create a significant administrative cost to most entities. The amendments were effective upon issuance (June 12, 2015) for amendments that do not have transition guidance. Amendments that were subject to transition guidance were effective for the Company on January 1, 2016. The adoption of this guidance did not have a material effect on the Company’s financial statements.

 

Page 9 

In September 2015, the FASB amended the Business Combinations topic of the Accounting Standards Codification to simplify the accounting for adjustments made to provisional amounts recognized in a business combination by eliminating the requirement to retrospectively account for those adjustments. The amendments will be effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015, with early adoption permitted for financial statements that have not been issued. All entities are required to apply the amendments prospectively to adjustments to provisional amounts that occur after the effective date. The amendment was effective for the Company on January 1, 2016 and these amendments did not have a material effect on its financial statements.

 

In February 2016, the FASB issued new guidance on accounting for leases, which generally requires all leases to be recognized in the statement of financial position. The provisions of this guidance are effective for reporting periods beginning after December 15, 2018; early adoption is permitted. These provisions are to be applied using a modified retrospective approach. The Company is evaluating the effect that this new guidance will have on our consolidated financial statements, but does not expect it will have a material effect on its financial statements.

 

In March 2016, the FASB amended the Liabilities topic of the Accounting Standards Codification to address the current and potential future diversity in practice related to the derecognition of a prepaid stored-value product liability. The amendments will be effective for financial statements issued for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company will apply the guidance using a modified retrospective transition method by means of a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year in which the guidance is effective to each period presented. The Company does not expect these amendments to have a material effect on its financial statements.

 

In March 2016, the FASB amended the Investments—Equity Method and Joint Ventures topic of the Accounting Standards Codification to eliminate the requirement to retroactively adopt the equity method of accounting. The amendments are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The Company will apply the guidance prospectively upon their effective date to increases in the level of ownership interest or degree of influence that result in the adoption of the equity method. The Company does not expect these amendments to have a material effect on its financial statements

 

In March 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify the implementation guidance on principal versus agent considerations and address how an entity should assess whether it is the principal or the agent in contracts that include three or more parties. The amendments will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements.

 

In March 2016, the FASB issued guidance to simplify several aspects of the accounting for share-based payment award transactions including the income tax consequences, the classification of awards as either equity or liabilities, and the classification on the statement of cash flows. Additionally, the guidance simplifies two areas specific to entities other than public business entities allowing them apply a practical expedient to estimate the expected term for all awards with performance or service conditions that have certain characteristics and also allowing them to make a one-time election to switch from measuring all liability-classified awards at fair value to measuring them at intrinsic value. The amendments will be effective for the Company for annual periods beginning after December 15, 2016 and interim periods within those annual periods. The Company does not expect these amendments to have a material effect on its financial statements.

 

In April 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify the guidance related to identifying performance obligations and accounting for licenses of intellectual property. The amendments will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements.

 

In May 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify guidance related to collectability, noncash consideration, presentation of sales tax, and transition. The amendments will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements.

 

Page 10 

In June 2016, the FASB issued guidance to change the accounting for credit losses and modify the impairment model for certain debt securities. The amendments will be effective for the Company for reporting periods beginning after December 15, 2019. The Company is currently evaluating the effect that implementation of the new standard will have on its financial position, results of operations, and cash flows.

 

Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

 

Note 3 – Reclassifications

 

Certain amounts reported in the period ended June 30, 2015 have been reclassified to conform to the presentation for June 30, 2016. These reclassifications had no effect on net income or shareholders’ equity for the periods presented, nor did they materially impact trends in financial information.

 

Note 4 – Equity-Based Compensation Plans

 

The Company recorded total stock-based compensation expense of $258,000 and $277,000 for the three months ended June 30, 2016 and 2015, respectively, and $380,000 and $404,000 for the six months ended June 30, 2016 and 2015, respectively. Of the $380,000 in expense that was recorded in 2016, approximately $129,000 related to the June 1, 2016 director grants, which is classified as “other operating expenses” in the Consolidated Statements of Income. The remaining $251,000 in expense relates to the employee grants discussed below and is recorded as “salaries expense.” Stock based compensation is reflected as an adjustment to cash flows from operating activities on the Company’s Consolidated Statement of Cash Flows. The Company recognized $148,000 and $157,500 of income tax benefits related to stock based compensation expense in the income statement for the six months ended June 30, 2016 and 2015, respectively.

 

At June 30, 2016, the Company had the following equity-based compensation plans: the First Bancorp 2014 Equity Plan, the First Bancorp 2007 Equity Plan, and the First Bancorp 2004 Stock Option Plan. The Company’s shareholders approved all equity-based compensation plans. The First Bancorp 2014 Equity Plan became effective upon the approval of shareholders on May 8, 2014. As of June 30, 2016, the First Bancorp 2014 Equity Plan was the only plan that had shares available for future grants, and there were 881,797 shares remaining available for grant.

 

The First Bancorp 2014 Equity Plan is intended to serve as a means to attract, retain and motivate key employees and directors and to associate the interests of the plans’ participants with those of the Company and its shareholders. The First Bancorp 2014 Equity Plan allows for both grants of stock options and other types of equity-based compensation, including stock appreciation rights, restricted stock, restricted performance stock, unrestricted stock, and performance units.

 

Recent equity grants to employees have either had performance vesting conditions, service vesting conditions, or both. Compensation expense for these grants is recorded over the various service periods based on the estimated number of equity grants that are probable to vest. No compensation cost is recognized for grants that do not vest and any previously recognized compensation cost will be reversed. The Company issues new shares of common stock when options are exercised.

 

Certain of the Company’s stock option grants contain terms that provide for a graded vesting schedule whereby portions of the award vest in increments over the requisite service period. The Company recognizes compensation expense for awards with graded vesting schedules on a straight-line basis over the requisite service period for each incremental award. Compensation expense is based on the estimated number of stock options and awards that will ultimately vest. Over the past five years, there have only been minimal amounts of forfeitures, and therefore the Company assumes that all awards granted without performance conditions will become vested.

 

As it relates to director equity grants, the Company grants common shares, valued at approximately $16,000 to each non-employee director (currently eight in total) in June of each year. Compensation expense associated with these director grants is recognized on the date of grant since there are no vesting conditions. On June 1, 2016, the Company granted 6,584 shares of common stock to non-employee directors (823 shares per director), at a fair market value of $19.56 per share, which was the closing price of the Company’s common stock on that date. On June 1, 2015, the Company granted 8,176 shares of common stock to non-employee directors (1,022 shares per director), at a fair market value of $15.75 per share, which was the closing price of the Company’s common stock on that date.

 

Page 11 

Based on the Company’s performance in 2013, the Company granted long-term 15,657 restricted shares of common stock to the chief executive officer on February 11, 2014 with a two-year vesting period. The total compensation expense associated with the grant was $278,200. The Company recorded $46,000 in compensation expense related to this grant during the six months ended June 30, 2015.

 

In 2014, the Company’s Compensation Committee determined that seven of the Company’s senior officers would receive their annual bonus earned under the Company’s annual incentive plan in a mix of 50% cash and 50% stock, with the stock being subject to a three year vesting term. Previously, awards under this plan were paid solely in cash. Accordingly, in February 2015 and February 2016, a total of 40,914 shares of restricted stock were granted related to performance in the preceding fiscal year. Total compensation expense associated with those grants was $742,000 and is being recognized over the vesting period. For the three and six months ended June 30, 2016, total compensation expense related to these grants was $55,000 and $111,000, respectively compared to $67,000 and $134,000 for the three and six months ended June 30, 2015, respectively.

 

In 2015 and 2016, the Compensation Committee also granted 56,002 shares of stock to various employees of the Company to promote retention. The total value associated with these grants amounted to $976,000, which is being recorded as expense over their three year vesting periods. For the three and six months ended June 30, 2016, total compensation expense related to these grants was $69,000 and $139,000, respectively compared to $101,000 and $182,000 for the three and six months ended June 30, 2015, respectively.

 

Based on the vesting schedules of the shares of restricted stock currently outstanding, the Company expects to record $255,000 in stock-based compensation expense over the remainder of 2016.

 

Under the terms of the predecessor plans and the First Bancorp 2014 Equity Plan, stock options can have a term of no longer than ten years. In a change in control (as defined in the plans), unless the awards remain outstanding or substitute equivalent awards are provided, the awards become immediately vested.

 

At June 30, 2016, there were 59,948 stock options outstanding related to the three First Bancorp plans, with exercise prices ranging from $14.35 to $21.80.

 

The following table presents information regarding the activity for the first six months of 2016 related to the Company’s stock options outstanding:

 

   Options Outstanding 
   Number of
Shares
   Weighted-
Average
Exercise
Price
   Weighted-
Average
Contractual
Term (years)
   Aggregate
Intrinsic
Value
 
                 
Balance at January 1, 2016   117,408   $18.12           
                     
   Granted                  
   Exercised   (23,710)   15.84        $81,894 
   Forfeited                  
   Expired   (33,750)   21.39           
                     
Outstanding at June 30, 2016   59,948   $17.18    1.9   $57,084 
                     
Exercisable at June 30, 2016   59,948   $17.18    1.9   $57,084 

 

During the three and six months ended June 30, 2016, the Company received $248,000 and $375,000, respectively, as a result of stock option exercises and recorded insignificant tax benefits from the exercise of nonqualified options during the period. During the three and six months ended June 30, 2015, the Company received $32,000 as a result of stock option exercises.

Page 12 

 

The following table presents information regarding the activity for the first six months of 2016 related to the Company’s outstanding restricted stock:

 

   Long-Term Restricted Stock 
   Number of Units   Weighted-Average
Grant-Date Fair Value
 
         
Nonvested at January 1, 2016   55,329   $17.31 
           
Granted during the period   31,298    18.65 
Vested during the period   (5,219)   17.77 
Forfeited or expired during the period        
           
Nonvested at June 30, 2016   81,408   $17.80 

 

 

Note 5 – Earnings Per Common Share

 

Basic Earnings Per Common Share is calculated by dividing net income available to common shareholders by the weighted average number of common shares outstanding during the period, with nonvested restricted stock excluded from the calculation. Diluted Earnings Per Common Share is computed by assuming the issuance of common shares for all potentially dilutive common shares outstanding during the reporting period. The Company’s potentially dilutive common stock issuances relate to grants of stock options and nonvested restricted stock under the Company’s equity-based compensation plans and the Company’s Series C Preferred Stock, which is convertible into common stock on a one-for-one ratio.

 

In computing Diluted Earnings Per Common Share, adjustments are made to the computation of Basic Earnings Per Common shares, as follows. As it relates to stock options, it is assumed that all dilutive stock options are exercised during the reporting period at their respective exercise prices, with the proceeds from the exercises used by the Company to buy back stock in the open market at the average market price in effect during the reporting period. The difference between the number of shares assumed to be exercised and the number of shares bought back is included in the calculation of dilutive securities. As it relates to nonvested restricted stock, cash equal to the average amount of compensation cost attributable to future services and not yet recognized as expense is assumed to be used by the Company to buy back stock in the open market and are deducted from the total number of nonvested restricted stock that is included in the denominator of the calculation. As it relates to the Series C Preferred Stock, it is assumed that the preferred stock was converted to common stock during the reporting period. Dividends on the preferred stock are added back to net income and the shares assumed to be converted are included in the number of shares outstanding.

 

If any of the potentially dilutive common stock issuances have an anti-dilutive effect, the potentially dilutive common stock issuance is disregarded.

 

The following is a reconciliation of the numerators and denominators used in computing Basic and Diluted Earnings Per Common Share:

 

   For the Three Months Ended June 30, 
   2016   2015 
($ in thousands except per share amounts)  Income
(Numer-
ator)
   Shares
(Denom-
inator)
   Per Share
Amount
   Income
(Numer-
ator)
   Shares
(Denom-
inator)
   Per Share
Amount
 
                         
Basic EPS                              
Net income available to common shareholders  $7,580    19,921,413   $0.38   $6,032    19,778,640   $0.30 
                               
Effect of Dilutive Securities   59    772,231         58    730,315      
                               
Diluted EPS per common share  $7,639    20,693,644   $0.37   $6,090    20,508,955   $0.30 

Page 13 

 

   For the Six Months Ended June 30, 
   2016   2015 
($ in thousands except per share amounts)  Income
(Numer-
ator)
   Shares
(Denom-
inator)
   Per Share
Amount
   Income
(Numer- ator)
   Shares
(Denom-
inator)
   Per Share
Amount
 
                         
Basic EPS                              
Net income available to
common shareholders
  $14,359    19,852,580   $0.72   $12,803    19,750,316   $0.65 
                               
Effect of Dilutive Securities   117    774,432         117    731,150      
                               
Diluted EPS per common share  $14,476    20,627,012   $0.70   $12,920    20,481,466   $0.63 

 

For both the three and six months ended June 30, 2016, there were 16,250 options that were antidilutive because the exercise price exceeded the average market price for the period, and thus are not included in the calculation to determine the effect of dilutive securities. For the three and six months ended June 30, 2015, there were 108,214 options and 52,500 options, respectively, that were antidilutive.

 

Note 6 – Securities

 

The book values and approximate fair values of investment securities at June 30, 2016 and December 31, 2015 are summarized as follows:

 

   June 30, 2016   December 31, 2015 
   Amortized   Fair   Unrealized   Amortized   Fair   Unrealized 
($ in thousands)  Cost   Value   Gains   (Losses)   Cost   Value   Gains   (Losses) 
                                 
Securities available for sale:                                        
  Government-sponsored enterprise securities  $16,000    15,992    2    (10)   19,000    18,972    1    (29)
  Mortgage-backed securities   168,103    169,256    1,437    (284)   122,474    121,553    348    (1,269)
  Corporate bonds   33,853    34,381    598    (70)   25,216    24,946        (270)
  Equity securities   83    133    58    (8)   88    143    64    (9)
Total available for sale  $218,039    219,762    2,095    (372)   166,778    165,614    413    (1,577)
                                         
Securities held to maturity:                                        
  Mortgage-backed securities  $92,675    93,444    769        102,509    101,767        (742)
  State and local governments   49,398    52,655    3,257        52,101    55,379    3,284    (6)
Total held to maturity  $142,073    146,099    4,026        154,610    157,146    3,284    (748)

 

All of the Company’s mortgage-backed securities were issued by government-sponsored corporations.

 

The following table presents information regarding securities with unrealized losses at June 30, 2016:

 

 ($ in thousands)  Securities in an Unrealized
Loss Position for
Less than 12 Months
   Securities in an Unrealized
Loss Position for
More than 12 Months
   Total 
   Fair Value   Unrealized
Losses
   Fair Value   Unrealized
Losses
   Fair Value   Unrealized
Losses
 
  Government-sponsored enterprise securities  $9,992    7    2,997    3    12,989    10 
  Mortgage-backed securities   5,917    22    20,242    262    26,159    284 
  Corporate bonds           930    70    930    70 
  Equity securities           17    8    17    8 
  State and local governments                        
      Total temporarily impaired securities  $15,909    29    24,186    343    40,095    372 

 

Page 14 

The following table presents information regarding securities with unrealized losses at December 31, 2015:

 

 ($ in thousands)  Securities in an Unrealized
Loss Position for
Less than 12 Months
   Securities in an Unrealized
Loss Position for
More than 12 Months
   Total 
   Fair Value   Unrealized
Losses
   Fair Value   Unrealized
Losses
   Fair Value   Unrealized
Losses
 
  Government-sponsored enterprise securities  $5,993    7    2,978    22    8,971    29 
  Mortgage-backed securities   150,853    1,148    27,460    863    178,313    2,011 
  Corporate bonds   24,006    210    940    60    24,946    270 
  Equity securities           17    9    17    9 
  State and local governments   840    6            840    6 
      Total temporarily impaired securities  $181,692    1,371    31,395    954    213,087    2,325 

 

In the above tables, all of the non-equity securities that were in an unrealized loss position at June 30, 2016 and December 31, 2015 are bonds that the Company has determined are in a loss position due primarily to interest rate factors and not credit quality concerns. The Company has evaluated the collectability of each of these bonds and has concluded that there is no other-than-temporary impairment. The Company does not intend to sell these securities, and it is more likely than not that the Company will not be required to sell these securities before recovery of the amortized cost.

 

The Company has also concluded that each of the equity securities in an unrealized loss position at June 30, 2016 and December 31, 2015 was in such a position due to temporary fluctuations in the market prices of the securities. The Company’s policy is to record an impairment charge for any of these equity securities that remains in an unrealized loss position for twelve consecutive months unless the amount is insignificant.

 

The book values and approximate fair values of investment securities at June 30, 2016, by contractual maturity, are summarized in the table below. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties.

 

   Securities Available for Sale   Securities Held to Maturity 
   Amortized   Fair   Amortized   Fair 
($ in thousands)  Cost   Value   Cost   Value 
                 
Debt securities                    
Due within one year  $        1,307    1,330 
Due after one year but within five years   3,000    2,997    15,795    16,590 
Due after five years but within ten years   41,853    42,366    31,127    33,552 
Due after ten years   5,000    5,010    1,169    1,183 
Mortgage-backed securities   168,103    169,256    92,675    93,444 
Total debt securities   217,956    219,629    142,073    146,099 
                     
Equity securities   83    133         
Total securities  $218,039    219,762    142,073    146,099 

 

At June 30, 2016 and December 31, 2015 investment securities with carrying values of $141,155,000 and $141,379,000, respectively, were pledged as collateral for public deposits.

 

In the first half of 2016, the Company received proceeds from sales of securities of $8,000 and recorded $3,000 in gains from the sales. The Company recorded no gains or losses on securities during the first half of 2015.

 

The aggregate carrying amount of cost-method investments was $16,881,000 and $15,453,000 at June 30, 2016 and 2015, respectively, which is recorded within the line item “other assets” on the Company’s Consolidated Balance Sheets. These investments are comprised of Federal Home Loan Bank (“FHLB”) stock and Federal Reserve Bank of Richmond (“FRB”) stock. The FHLB stock had a cost and fair value of $9,825,000 and $8,421,000 at June 30, 2016 and 2015, respectively, and serves as part of the collateral for the Company’s line of credit with the FHLB and is also a requirement for membership in the FHLB system. The FRB stock had a cost and fair value of $7,056,000 and $7,032,000 at June 30, 2016 and 2015, respectively. Periodically, both the FHLB and FRB recalculate the Company’s required level of holdings, and the Company either buys more stock or the redeems a portion of the stock at cost. The Company determined that neither stock was impaired at either period end.

 

Page 15 

Note 7 – Loans and Asset Quality Information

 

Certain loans and foreclosed real estate that were acquired in FDIC-assisted transactions are covered by loss share agreements between the FDIC and the Company’s banking subsidiary, First Bank, which afford First Bank significant loss protection - see Note 2 to the financial statements included in the Company’s 2011 Annual Report on Form 10-K for detailed information regarding these transactions. Because of the loss protection provided by the FDIC, the risk of the loans and foreclosed real estate that are covered by loss share agreements are significantly different from those assets not covered under the loss share agreements. Accordingly, the Company presents separately loans subject to the loss share agreements as “covered loans” in the information below and loans that are not subject to the loss share agreements as “non-covered loans.”

 

On July 1, 2014, the loss share provisions associated with non-single family assets associated with the 2009 failed bank acquisition of Cooperative Bank expired, and the associated assets were reclassified as non-covered. On April 1, 2016, the loss share provisions of another agreement expired, which related to the non-single family assets of The Bank of Asheville, a failed bank acquisition from January 2011. Accordingly, the remaining balances associated with those loans and foreclosed real estate were reclassified from the covered portfolio to the non-covered portfolio on April 1, 2016. The Company bears all future losses on this portfolio of loans and foreclosed real estate. Immediately prior to the transfer to non-covered status, the loans in this portfolio had a carrying value of $17.7 million and the foreclosed real estate in this portfolio had a carrying value of $1.2 million. Of the $17.7 million in loans that lost loss share protection, approximately $2.8 million were on nonaccrual status as of April 1, 2016. Additionally, approximately $0.3 million in allowance for loan losses associated with this portfolio of loans was transferred to the allowance for loan losses for non-covered loans on April 1, 2016.

 

The following is a summary of the major categories of total loans outstanding:

 

 ($ in thousands)  June 30, 2016   December 31, 2015   June 30, 2015 
   Amount   Percentage   Amount   Percentage   Amount   Percentage 
All  loans (non-covered and covered):                        
                         
Commercial, financial, and agricultural  $244,862    9%   $202,671    8%   $179,909    7% 
Real estate – construction, land development & other land loans   310,993    12%    308,969    12%    282,262    12% 
Real estate – mortgage – residential (1-4 family) first mortgages   751,446    29%    768,559    31%    777,515    32% 
Real estate – mortgage – home equity loans / lines of credit   238,794    9%    232,601    9%    220,534    9% 
Real estate – mortgage – commercial and other   1,000,578    39%    957,587    38%    904,496    38% 
Installment loans to individuals   50,387    2%    47,666    2%    47,244    2% 
    Subtotal   2,597,060    100%    2,518,053    100%    2,411,960    100% 
Unamortized net deferred loan costs   1,074         873         819      
    Total loans  $2,598,134        $2,518,926        $2,412,779      

 

 

The following is a summary of the major categories of non-covered loans outstanding:

 

($ in thousands)  June 30, 2016   December 31, 2015   June 30, 2015 
   Amount   Percentage   Amount   Percentage   Amount   Percentage 
Non-covered loans:                        
                         
Commercial, financial, and agricultural  $244,862    10%   $201,798    8%   $178,756    8% 
Real estate – construction, land development & other land loans   310,832    12%    305,228    13%    278,406    12% 
Real estate – mortgage – residential (1-4 family) first mortgages   683,367    27%    692,902    29%    694,794    30% 
Real estate – mortgage – home equity loans / lines of credit   228,906    9%    221,995    9%    208,778    9% 
Real estate – mortgage – commercial and other   1,000,319    40%    945,823    39%    890,158    39% 
Installment loans to individuals   50,387    2%    47,666    2%    47,244    2% 
    Subtotal   2,518,673    100%    2,415,412    100%    2,298,136    100% 
Unamortized net deferred loan costs   1,074         873         819      
    Total non-covered loans  $2,519,747        $2,416,285        $2,298,955      

 

 

Page 16 

The carrying amount of the covered loans at June 30, 2016 consisted of impaired and nonimpaired purchased loans (as determined on the date of acquisition), as follows:

 

 
($ in thousands)
  Impaired
Purchased
Loans –
Carrying
Value
   Impaired
Purchased
Loans –
Unpaid
Principal
Balance
   Nonimpaired
Purchased
Loans –
Carrying
Value
   Nonimpaired
Purchased
Loans -
Unpaid
Principal
Balance
   Total
Covered
Loans –
Carrying
Value
   Total
Covered
Loans –
Unpaid
Principal
Balance
 
Covered loans:                              
Commercial, financial, and agricultural  $                     
Real estate – construction, land development & other land loans           161    162    161    162 
Real estate – mortgage – residential (1-4 family) first mortgages       33    68,079    78,940    68,079    78,973 
Real estate – mortgage – home equity loans / lines of credit   6    14    9,882    11,140    9,888    11,154 
Real estate – mortgage – commercial and other           259    294    259    294 
Installment loans to individuals                        
     Total  $6    47    78,381    90,536    78,387    90,583 

 

The carrying amount of the covered loans at December 31, 2015 consisted of impaired and nonimpaired purchased loans (as determined on the date of the acquisition), as follows:

 

($ in thousands)  Impaired
Purchased
Loans –
Carrying
Value
   Impaired
Purchased
Loans –
Unpaid
Principal
Balance
   Nonimpaired
Purchased
Loans –
Carrying
Value
   Nonimpaired
Purchased
Loans -
Unpaid
Principal
Balance
   Total
Covered
Loans –
Carrying
Value
   Total
Covered
Loans –
Unpaid
Principal
Balance
 
Covered loans:                        
Commercial, financial, and agricultural  $        873    886    873    886 
Real estate – construction, land development & other land loans   277    365    3,464    3,457    3,741    3,822 
Real estate – mortgage – residential (1-4 family) first mortgages   102    633    75,555    88,434    75,657    89,067 
Real estate – mortgage – home equity loans / lines of credit   7    14    10,599    12,099    10,606    12,113 
Real estate – mortgage – commercial and other   1,003    3,136    10,761    11,458    11,764    14,594 
     Total  $1,389    4,148    101,252    116,334    102,641    120,482 

 

 

The following table presents information regarding covered purchased nonimpaired loans since December 31, 2014. The amounts include principal only and do not reflect accrued interest as of the date of the acquisition or beyond.

 

($ in thousands)

 

    
Carrying amount of nonimpaired covered loans at December 31, 2014  $125,644 
Principal repayments   (30,238)
Transfers to foreclosed real estate   (1,211)
Net loan (charge-offs) / recoveries   2,306 
Accretion of loan discount   4,751 
Carrying amount of nonimpaired covered loans at December 31, 2015   101,252 
Principal repayments   (7,997)
Transfers to foreclosed real estate   (1,036)
Transfer to non-covered loans due to expiration of loss-share agreement   (17,530)
Net loan (charge-offs) / recoveries   1,784 
Accretion of loan discount   1,908 
Carrying amount of nonimpaired covered loans at June 30, 2016  $78,381 

 

Page 17 

As reflected in the table above, the Company accreted $1,908,000 of the loan discount on covered purchased nonimpaired loans into interest income during the first six months of 2016. As of June 30, 2016, there was remaining loan discount of $11,179,000 related to covered purchased accruing loans. If these loans continue to be repaid by the borrowers, the Company will accrete the remaining loan discount into interest income over the covered lives of the respective loans. In such circumstances, a corresponding entry to reduce the indemnification asset will be recorded amounting to approximately 80% of the loan discount accretion, which reduces noninterest income. At June 30, 2016, the Company also had $581,000 of loan discount related to covered purchased nonaccruing loans. It is not expected that a significant amount of this discount will be accreted, as it represents estimated losses on these loans.

 

Also, the Company accreted $43,000 of loan discount on non-covered purchased nonimpaired loans into interest income during the first six months of 2016. As of June 30, 2016, there was a remaining loan discount of $208,000 related to non-covered purchased accruing loans, which will be accreted into interest income over the lives of the respective loans. At June 30, 2016, the Company also had $391,000 of loan discount related to non-covered purchased nonaccruing loans, which the Company does not expect will be accreted into income.

 

The following table presents information regarding all purchased impaired loans since December 31, 2014, the majority of which are covered loans. The Company has applied the cost recovery method to all purchased impaired loans at their respective acquisition dates due to the uncertainty as to the timing of expected cash flows, as reflected in the following table.

 

 

($ in thousands)

 

 

 

Purchased Impaired Loans

  Contractual
Principal
Receivable
   Fair Market
Value
Adjustment –
Write Down
(Nonaccretable
Difference)
   Carrying
Amount
 
Balance at December 31, 2014  $5,859    3,262    2,597 
Change due to payments received   (634)   (102)   (532)
Transfer to foreclosed real estate   (431)   (336)   (95)
Other   (3)   (3)    
Balance at December 31, 2015  $4,791    2,821    1,970 
Change due to payments received   (3,392)   (2,253)   (1,139)
Change due to loan charge-off   (394)   (324)   (70)
Balance at June 30, 2016  $1,005    244    761 

 

Because of the uncertainty of the expected cash flows, the Company is accounting for each purchased impaired loan under the cost recovery method, in which all cash payments are applied to principal. Thus, there is no accretable yield associated with the above loans. During the three months ended 2016, the Company received $1,062,000 in payments that exceeded the carrying amount of the related purchased impaired loans, of which $741,000 was recognized as discount accretion loan interest income and $321,000 was recorded as additional loan interest income. For the six month period ended June 30, 2016, the Company received $1,108,000 in payments that exceeded the carrying amount of the related purchased impaired loans, of which $780,000 was recognized as discount accretion loan interest income and $328,000 was recorded as additional loan interest income. No such excess payments were received in the first six months of 2015.

 

Nonperforming assets are defined as nonaccrual loans, restructured loans, loans past due 90 or more days and still accruing interest, nonperforming loans held for sale, and foreclosed real estate. Nonperforming assets are summarized as follows:

 

Page 18 

 

ASSET QUALITY DATA ($ in thousands)

  June 30,
2016
   December 31,
2015
   June 30,
2015
 
             
Non-covered nonperforming assets               
Nonaccrual loans  $33,781   $39,994   $44,123 
Restructured loans - accruing   25,826    28,011    32,059 
Accruing loans > 90 days past due            
     Total non-covered nonperforming loans   59,607    68,005    76,182 
Foreclosed real estate   10,221    9,188    9,954 
Total non-covered nonperforming assets  $69,828   $77,193   $86,136 
                
Covered nonperforming assets               
Nonaccrual loans (1)  $4,194   $7,816   $7,378 
Restructured loans - accruing   3,445    3,478    3,910 
Accruing loans > 90 days past due            
     Total covered nonperforming loans   7,639    11,294    11,288 
Foreclosed real estate   385    806    1,945 
Total covered nonperforming assets  $8,024   $12,100   $13,233 
                
     Total nonperforming assets  $77,852   $89,293   $99,369 

 

(1) At June 30, 2016, December 31, 2015, and June 30, 2015, the contractual balance of the nonaccrual loans covered by FDIC loss share agreements was $5.0 million, $12.3 million, and $12.7 million, respectively.

 

At June 30, 2016 and 2015, the Company had $1.8 million and $5.1 million in residential mortgage loans in process of foreclosure, respectively.

 

The following table presents the Company’s nonaccrual loans as of June 30, 2016.

 

($ in thousands)  Non-covered   Covered   Total 
Commercial, financial, and agricultural  $2,870        2,870 
Real estate – construction, land development & other land loans   4,154        4,154 
Real estate – mortgage – residential (1-4 family) first mortgages   17,315    3,841    21,156 
Real estate – mortgage – home equity loans / lines of credit   2,406    353    2,759 
Real estate – mortgage – commercial and other   6,821        6,821 
Installment loans to individuals   215        215 
  Total  $33,781    4,194    37,975 
                

 

The following table presents the Company’s nonaccrual loans as of December 31, 2015.

 

($ in thousands)  Non-covered   Covered   Total 
Commercial, financial, and agricultural  $2,964        2,964 
Real estate – construction, land development & other land loans   4,652    52    4,704 
Real estate – mortgage – residential (1-4 family) first mortgages   18,822    5,007    23,829 
Real estate – mortgage – home equity loans / lines of credit   3,142    383    3,525 
Real estate – mortgage – commercial and other   10,197    2,374    12,571 
Installment loans to individuals   217        217 
  Total  $39,994    7,816    47,810 
                

 

Page 19 

The following table presents an analysis of the payment status of the Company’s loans as of June 30, 2016.

 

($ in thousands)  30-59
Days Past
Due
   60-89 Days
Past Due
   Nonaccrual
Loans
   Current   Total Loans
Receivable
 
Non-covered loans                         
                          
Commercial, financial, and agricultural  $195    1,643    2,870    240,154    244,862 
Real estate – construction, land development & other land loans   961    203    4,154    305,514    310,832 
Real estate – mortgage – residential (1-4 family) first mortgages   2,574    763    17,315    662,715    683,367 
Real estate – mortgage – home equity loans / lines of credit   765    221    2,406    225,514    228,906 
Real estate – mortgage – commercial and other   1,998    373    6,821    991,127    1,000,319 
Installment loans to individuals   368    253    215    49,551    50,387 
  Total non-covered  $6,861    3,456    33,781    2,474,575    2,518,673 
Unamortized net deferred loan costs                       1,074 
           Total non-covered loans                      $2,519,747 
                          
Covered loans  $172    1,473    4,194    72,548    78,387 
                          
                Total loans  $7,033    4,929    37,975    2,547,123    2,598,134 

 

The Company had no non-covered or covered loans that were past due greater than 90 days and accruing interest at June 30, 2016.

 

The following table presents an analysis of the payment status of the Company’s loans as of December 31, 2015.

 

($ in thousands)  30-59
Days Past
Due
   60-89 Days
Past Due
   Nonaccrual
Loans
   Current   Total Loans
Receivable
 
Non-covered loans                         
                          
Commercial, financial, and agricultural  $999    127    2,964    197,708    201,798 
Real estate – construction, land development & other land loans   1,512    429    4,652    298,635    305,228 
Real estate – mortgage – residential (1-4 family) first mortgages   12,130    3,212    18,822    658,738    692,902 
Real estate – mortgage – home equity loans / lines of credit   1,276    105    3,142    217,472    221,995 
Real estate – mortgage – commercial and other   5,591    864    10,197    929,171    945,823 
Installment loans to individuals   278    255    217    46,916    47,666 
  Total non-covered  $21,786    4,992    39,994    2,348,640    2,415,412 
Unamortized net deferred loan costs                       873 
           Total non-covered loans                      $2,416,285 
                          
Covered loans  $3,313    402    7,816    91,110    102,641 
                          
                Total loans  $25,099    5,394    47,810    2,439,750    2,518,926 

 

The Company had no non-covered or covered loans that were past due greater than 90 days and accruing interest at December 31, 2015.

Page 20 

The following table presents the activity in the allowance for loan losses for non-covered loans for the three and six months ended June 30, 2016.

 

($ in thousands)  Commercial,
Financial, and
Agricultural
   Real Estate –
Construction,
Land
Development, &
Other Land
Loans
   Real Estate
– Residential
(1-4 Family)
First
Mortgages
   Real Estate –
Mortgage
– Home
Equity
Lines of
Credit
   Real Estate –
Mortgage –
Commercial
and Other
   Installment
Loans to
Individuals
   Unallo-
cated
   Total 
                                 
As of and for the three months ended June 30, 2016
                                         
Beginning balance  $4,679    3,345    7,374    2,267    5,940    1,202    442    25,249 
Charge-offs   (57)   (137)   (740)   (285)   (396)   (238)       (1,853)
Recoveries   216    121    61    64    155    140        757 
Transfer from covered category   56    62    51    12    126            307 
Provisions   (612)   (492)   1,114    227    (254)   376    130    489 
Ending balance  $4,282    2,899    7,860    2,285    5,571    1,480    572    24,949 
                                         
As of and for the six months ended June 30, 2016
                                         
Beginning balance  $4,742    3,754    7,832    2,893    5,816    1,051    696    26,784 
Charge-offs   (734)   (477)   (2,691)   (734)   (562)   (518)       (5,716)
Recoveries   302    211    295    119    285    253        1,465 
Transfer from covered category   56    62    51    12    126            307 
Provisions   (84)   (651)   2,373    (5)   (94)   694    (124)   2,109 
Ending balance  $4,282    2,899    7,860    2,285    5,571    1,480    572    24,949 
                                         
Ending balances as of June 30, 2016:  Allowance for loan losses
                                         
Individually evaluated for impairment  $14    172    1,263    11    478    70        2,008 
                                         
Collectively evaluated for impairment  $4,268    2,727    6,597    2,274    5,093    1,410    572    22,941 
                                         
Loans acquired with deteriorated credit quality  $                             
                                         
Loans receivable as of June 30, 2016:
                                         
Ending balance – total  $244,862    310,832    683,367    228,906    1,000,319    50,387        2,518,673 
Unamortized net deferred loan costs                                      1,074 
Total non-covered loans                                     $2,519,747 
                                         
Ending balances as of June 30, 2016: Loans
                                         
Individually evaluated for impairment  $859    4,614    20,201    383    12,845    72        38,974 
                                         
Collectively evaluated for impairment  $244,003    306,218    662,959    228,523    986,926    50,315        2,478,944 
                                         
Loans acquired with deteriorated credit quality  $        207        548            755 

 

Page 21 

The following table presents the activity in the allowance for loan losses for non-covered loans for the year ended December 31, 2015.

 

 

($ in thousands)  Commercial,
Financial, and
Agricultural
   Real Estate –
Construction,
Land
Development, &
Other Land
Loans
   Real Estate
– Residential
(1-4 Family)
First
Mortgages
   Real
Estate –
Mortgage
– Home
Equity
Lines of
Credit
   Real Estate –
Mortgage –
Commercial
and Other
   Installment
Loans to
Individuals
   Unallo-
cated
   Total 
                                 
As of and for the year ended December 31, 2015
                                         
Beginning balance  $6,769    8,158    10,136    4,753    6,466    1,916    147    38,345 
Charge-offs   (2,908)   (3,034)   (4,904)   (1,054)   (2,804)   (2,411)       (17,115)
Recoveries   831    998    279    121    904    413        3,546 
Provisions   50    (2,368)   2,321    (927)   1,250    1,133    549    2,008 
Ending balance  $4,742    3,754    7,832    2,893    5,816    1,051    696    26,784 
                                         
Ending balances as of December 31, 2015:  Allowance for loan losses
                                         
Individually evaluated for impairment  $304    241    1,440    321    336    45        2,687 
                                         
Collectively evaluated for impairment  $4,438    3,513    6,392    2,572    5,480    1,006    696    24,097 
                                         
Loans acquired with deteriorated credit quality  $                             
                                         
Loans receivable as of December 31, 2015:
                                         
Ending balance – total  $201,798    305,228    692,902    221,995    945,823    47,666        2,415,412 
Unamortized net deferred loan costs                                      873 
Total non-covered loans                                     $2,416,285 
                                         
Ending balances as of December 31, 2015: Loans
                                         
Individually evaluated for impairment  $992    4,898    21,325    758    16,605    76        44,654 
                                         
Collectively evaluated for impairment  $200,806    300,330    671,577    221,237    928,637    47,590        2,370,177 
                                         
Loans acquired with deteriorated credit quality  $                581            581 

 

Page 22 

The following table presents the activity in the allowance for loan losses for non-covered loans for the three and six months ended June 30, 2015.

 

($ in thousands)  Commercial,
Financial, and
Agricultural
   Real Estate –
Construction,
Land
Development, &
Other Land
Loans
   Real Estate
– Residential
(1-4 Family)
First
Mortgages
   Real
Estate –
Mortgage
– Home
Equity
Lines of
Credit
   Real Estate –
Mortgage –
Commercial
and Other
   Installment
Loans to
Individuals
   Unallo-
cated
   Total 
                                 
As of and for the three months ended June 30, 2015
                                         
Beginning balance  $5,738    7,144    9,327    3,983    5,709    1,565    304    33,770 
Charge-offs   (1,407)   (702)   (818)   (522)   (1,026)   (928)       (5,403)
Recoveries   256    52    146    37    193    103        787 
Provisions   800    (1,067)   (573)   (115)   788    376    792    1,001 
Ending balance  $5,387    5,427    8,082    3,383    5,664    1,116    1,096    30,155 
                                         
As of and for the six months ended June 30, 2015
                                         
Beginning balance  $6,769    8,158    10,136    4,753    6,466    1,916    147    38,345 
Charge-offs   (2,301)   (2,008)   (2,257)   (597)   (2,022)   (1,578)       (10,763)
Recoveries   343    318    159    58    395    195        1,468 
Provisions   576    (1,041)   44    (831)   825    583    949    1,105 
Ending balance  $5,387    5,427    8,082    3,383    5,664    1,116    1,096    30,155 
                                         
Ending balances as of June 30, 2015:  Allowance for loan losses
                                         
Individually evaluated for impairment  $88    393    1,458    75    560    46        2,620 
                                         
Collectively evaluated for impairment  $5,299    5,034    6,624    3,308    5,104    1,070    1,096    27,535 
                                         
Loans acquired with deteriorated credit quality  $                             
                                         
Loans receivable as of June 30, 2015:
                                         
Ending balance – total  $178,756    278,406    694,794    208,778    890,158    47,244        2,298,136 
Unamortized net deferred loan costs                                      819 
Total non-covered loans                                     $2,298,955 
                                         
Ending balances as of June 30, 2015: Loans
                                         
Individually evaluated for impairment  $686    5,377    19,847    527    20,454    79        46,970 
                                         
Collectively evaluated for impairment  $178,070    273,029    674,947    208,251    869,090    47,165        2,250,552 
                                         
Loans acquired with deteriorated credit quality  $                614            614 

 

Page 23 

The following table presents the activity in the allowance for loan losses for covered loans for the three and six months ended June 30, 2016.

 

($ in thousands)  Covered Loans 
     
As of and for the three months ended June 30, 2016
Beginning balance  $1,399 
Charge-offs   (4)
Recoveries   756 
Transferred to non-covered   (307)
Provisions (reversal) for loan losses   (770)
Ending balance  $1,074 
      
As of and for the six months ended June 30, 2016     
Beginning balance  $1,799 
Charge-offs   (245)
Recoveries   1,959 
Transferred to non-covered   (307)
Provisions (reversal) for loan losses   (2,132)
Ending balance  $1,074 
      
Ending balances as of June 30, 2016:  Allowance for loan losses
 
Individually evaluated for impairment  $443 
Collectively evaluated for impairment   631 
Loans acquired with deteriorated credit quality    
      
Loans receivable as of June 30, 2016:
      
Ending balance – total  $78,387 
      
Ending balances as of June 30, 2016: Loans
      
Individually evaluated for impairment  $5,500 
Collectively evaluated for impairment   72,881 
Loans acquired with deteriorated credit quality   6 

 

 

The following table presents the activity in the allowance for loan losses for covered loans for the year ended December 31, 2015.

 

($ in thousands)  Covered Loans 
     
As of and for the year ended December 31, 2015
Beginning balance  $2,281 
Charge-offs   (1,316)
Recoveries   3,622 
Provision (reversal) for loan losses   (2,788)
Ending balance  $1,799 
 
Ending balances as of December 31, 2015: Allowance for loan losses
 
Individually evaluated for impairment  $554 
Collectively evaluated for impairment   1,175 
Loans acquired with deteriorated credit quality   70 
      
Loans receivable as of December 31, 2015:
      
Ending balance – total  $102,641 
      
Ending balances as of December 31, 2015: Loans
      
Individually evaluated for impairment  $7,055 
Collectively evaluated for impairment   94,197 
Loans acquired with deteriorated credit quality   1,389 

 

Page 24 

The following table presents the activity in the allowance for loan losses for covered loans for the three and six months ended June 30, 2015.

 

($ in thousands)  Covered Loans 
     
As of and for the three months ended June 30, 2015
Beginning balance  $2,226 
Charge-offs   (676)
Recoveries   545 
Provisions (reversal) for loan losses   (160)
Ending balance  $1,935 
      
As of and for the six months ended June 30, 2015
Beginning balance  $2,281 
Charge-offs   (1,116)
Recoveries   1,198 
Provisions (reversal) for loan losses   (428)
Ending balance  $1,935 
 
Ending balances as of June 30, 2015: Allowance for loan losses
 
Individually evaluated for impairment  $455 
Collectively evaluated for impairment   1,434 
Loans acquired with deteriorated credit quality   46 
      
Loans receivable as of June 30, 2015:
      
Ending balance – total  $113,824 
      
Ending balances as of June 30, 2015: Loans
      
Individually evaluated for impairment  $6,763 
Collectively evaluated for impairment   105,290 
Loans acquired with deteriorated credit quality   1,771 

 

Page 25 

The following table presents loans individually evaluated for impairment as of June 30, 2016.

 

 

($ in thousands)

 
  Recorded
Investment
   Unpaid
Principal
Balance
   Related
Allowance
   Average
Recorded
Investment
 
Non-covered loans with no related allowance recorded:                    
                     
Commercial, financial, and agricultural  $766    845        604 
                     
Real estate – mortgage – construction, land development & other land loans   3,764    7,420        3,863 
                     
Real estate – mortgage – residential (1-4 family) first mortgages   9,137    10,634        8,690 
                     
Real estate – mortgage –home equity loans / lines of credit   145    203        139 
                     
Real estate – mortgage –commercial and other   8,536    9,717        9,669 
                     
Installment loans to individuals   2    3        2 
Total non-covered impaired loans with no allowance  $22,350    28,822        22,967 
                     
Total covered impaired loans with no allowance  $3,000    3,361        3,991 
                     
Total impaired loans with no allowance recorded  $25,350    32,183        26,958 
                     
Non-covered  loans with an allowance recorded:                    
                     
Commercial, financial, and agricultural  $93    111    14    286 
                     
Real estate – mortgage – construction, land development & other land loans   850    873    172    886 
                     
Real estate – mortgage – residential (1-4 family) first mortgages   11,271    11,447    1,263    12,196 
                     
Real estate – mortgage –home equity loans / lines of credit   238    238    11    420 
                     
Real estate – mortgage –commercial and other   4,857    5,036    478    5,490 
                     
Installment loans to individuals   70    80    70    82 
Total non-covered impaired loans with allowance  $17,379    17,785    2,008    19,360 
                     
Total covered impaired loans with allowance  $2,506    2,665    443    2,750 
                     
Total impaired loans with an allowance recorded  $19,885    20,450    2,451    22,110 

 

Interest income recorded on non-covered and covered impaired loans during the six months ended June 30, 2016 was insignificant.

Page 26 

The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2015.

 

 

($ in thousands)

 
  Recorded
Investment
   Unpaid
Principal
Balance
   Related
Allowance
   Average
Recorded
Investment
 
Non-covered loans with no related allowance recorded:                    
                     
Commercial, financial, and agricultural  $360    422        194 
                     
Real estate – mortgage – construction, land development & other land loans   3,944    7,421        4,636 
                     
Real estate – mortgage – residential (1-4 family) first mortgages   8,713    9,803        7,309 
                     
Real estate – mortgage –home equity loans / lines of credit   114    161        425 
                     
Real estate – mortgage –commercial and other   11,565    13,144        16,590 
                     
Installment loans to individuals   3    4        5 
Total non-covered impaired loans with no allowance  $24,699    30,955        29,159 
                     
Total covered impaired loans with no allowance  $5,231    8,529        5,607 
                     
Total impaired loans with no allowance recorded  $29,930    39,484        34,766 
                     
Non-covered  loans with an allowance recorded:                    
                     
Commercial, financial, and agricultural  $632    662    304    607 
                     
Real estate – mortgage – construction, land development & other land loans   954    976    241    1,585 
                     
Real estate – mortgage – residential (1-4 family) first mortgages   12,612    12,768    1,440    12,931 
                     
Real estate – mortgage –home equity loans / lines of credit   644    645    321    430 
                     
Real estate – mortgage –commercial and other   5,621    5,806    336    4,353 
                     
Installment loans to individuals   73    80    45    75 
Total non-covered impaired loans with allowance  $20,536    20,937    2,687    19,981 
                     
Total covered impaired loans with allowance  $3,213    3,476    624    3,742 
                     
Total impaired loans with an allowance recorded  $23,749    24,413    3,311    23,723 

 

Interest income recorded on non-covered and covered impaired loans during the year ended December 31, 2015 was insignificant.

Page 27 

The Company tracks credit quality based on its internal risk ratings. Upon origination a loan is assigned an initial risk grade, which is generally based on several factors such as the borrower’s credit score, the loan-to-value ratio, the debt-to-income ratio, etc. Loans that are risk-graded as substandard during the origination process are declined. After loans are initially graded, they are monitored regularly for credit quality based on many factors, such as payment history, the borrower’s financial status, and changes in collateral value. Loans can be downgraded or upgraded depending on management’s evaluation of these factors. Internal risk-grading policies are consistent throughout each loan type.

 

The following describes the Company’s internal risk grades in ascending order of likelihood of loss:

 

  Risk Grade Description
Pass:  
  1 Loans with virtually no risk, including cash secured loans.
  2 Loans with documented significant overall financial strength.  These loans have minimum chance of loss due to the presence of multiple sources of repayment – each clearly sufficient to satisfy the obligation.
  3 Loans with documented satisfactory overall financial strength.  These loans have a low loss potential due to presence of at least two clearly identified sources of repayment – each of which is sufficient to satisfy the obligation under the present circumstances.
  4 Loans to borrowers with acceptable financial condition.  These loans could have signs of minor operational weaknesses, lack of adequate financial information, or loans supported by collateral with questionable value or marketability.  
  5 Existing loans that meet the guidelines for a Risk Graded 6 loan, except the collateral coverage is sufficient to satisfy the debt with no risk of loss under reasonable circumstances.  
 

P

(Pass)

Consumer loans (<$500,000) that are of satisfactory credit quality with borrowers who exhibit good personal credit history, average personal financial strength and moderate debt levels.  These loans generally conform to Bank policy, but may include approved mitigated exceptions to the guidelines.  
Special Mention:  
  6 Existing loans with defined weaknesses in primary source of repayment that, if not corrected, could cause a loss to the Bank.
Classified:  
  7 An existing loan inadequately protected by the current sound net worth and paying capacity of the obligor or the collateral pledged, if any.  These loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.
  8 Loans that have a well-defined weakness that make the collection or liquidation in full highly questionable and improbable.  Loss appears imminent, but the exact amount and timing is uncertain.
  9 Loans that are considered uncollectible and are in the process of being charged-off.  This grade is a temporary grade assigned for administrative purposes until the charge-off is completed.
 

F

(Fail)

Consumer loans (<$500,000) with a well-defined weakness, such as exceptions of any kind with no mitigating factors, history of paying outside the terms of the note, insufficient income to support the current level of debt, etc.  

 

In the second quarter of 2016, the Company made nonsubstantive changes to the numerical scale of risk grades. Previously, the description for grade 5 noted above was assigned a grade of 9. As a result of the change, most grade 9 loans were assigned a grade of 5 and the numerical grade assignments for the previous grades of 5 and below were moved one row lower in the descriptions. In the tables below, prior periods have been adjusted to be consistent with the presentation for June 30, 2016.

 

Also during the second quarter of 2016, the Company introduced a pass/fail grade system for smaller balance consumer loans (balances less than $500,000), primarily residential home loans and installment consumer loans. Accordingly, all such consumer loans are no longer graded on a scale of 1-9, but instead are assigned a rating of “pass” or “fail”, with “fail” loans being considered as classified loans. Substantially all of the $25.4 million of non-covered consumer loans and $4.3 million of covered consumer loans that had previously been assigned a grade of “special mention” were assigned a rating of “pass”, which impacts the comparability of the June 30, 2016 table below to prior periods.

 

The changes noted above had no significant impact on the Company’s allowance for loan loss calculation.

 

The June 30, 2016 table below also reflects the impact of the previously discussed reclassification of approximately $17.7 million of loans from the covered category to the non-covered category upon the expiration of the loss-share provisions with the FDIC. Approximately $3.8 million of these loans had “classified” grades.

Page 28 

The following table presents the Company’s recorded investment in loans by credit quality indicators as of June 30, 2016.

 

($ in thousands)    
   Pass   Special
Mention Loans
   Classified
Accruing Loans
   Classified
Nonaccrual
Loans
   Total 
Non-covered loans:                         
Commercial, financial, and agricultural  $235,000    2,855    4,137    2,870    244,862 
Real estate – construction, land development & other land loans   288,017    9,781    8,880    4,154    310,832 
Real estate – mortgage – residential (1-4 family) first mortgages   620,516    17,020    28,516    17,315    683,367 
Real estate – mortgage – home equity loans / lines of credit   220,230    1,373    4,897    2,406    228,906 
Real estate – mortgage – commercial and other   948,844    29,744    14,910    6,821    1,000,319 
Installment loans to individuals   49,583    352    237    215    50,387 
  Total  $2,362,190    61,125    61,577    33,781    2,518,673 
Unamortized net deferred loan costs                       1,074 
Total non-covered  loans                      $2,519,747 
                          
Total covered loans  $58,153    1,745    14,295    4,194   $78,387 
                          
               Total loans  $2,420,343    62,870    75,872    37,975   $2,598,134 

 

 

The following table presents the Company’s recorded investment in loans by credit quality indicators as of December 31, 2015.

 

($ in thousands)    
   Pass   Special
Mention Loans
   Classified
Accruing Loans
   Classified
Nonaccrual
Loans
   Total 
Non-covered loans:                         
Commercial, financial, and agricultural  $191,905    3,453    3,476    2,964    201,798 
Real estate – construction, land development & other land loans   277,300    13,296    9,980    4,652    305,228 
Real estate – mortgage – residential (1-4 family) first mortgages   609,880    34,407    29,793    18,822    692,902 
Real estate – mortgage – home equity loans / lines of credit   207,335    7,045    4,473    3,142    221,995 
Real estate – mortgage – commercial and other   889,871    32,022    13,733    10,197    945,823 
Installment loans to individuals   46,209    776    464    217    47,666 
  Total  $2,222,500    90,999    61,919    39,994    2,415,412 
Unamortized net deferred loan costs                       873 
Total non-covered  loans                      $2,416,285 
                          
Total covered loans  $71,398    7,423    16,004    7,816   $102,641 
                          
               Total loans  $2,293,898    98,422    77,923    47,810   $2,518,926 

 

 

Troubled Debt Restructurings

 

The restructuring of a loan is considered a “troubled debt restructuring” if both (i) the borrower is experiencing financial difficulties and (ii) the creditor has granted a concession. Concessions may include interest rate reductions or below market interest rates, principal forgiveness, restructuring amortization schedules and other actions intended to minimize potential losses.

 

The vast majority of the Company’s troubled debt restructurings modified related to interest rate reductions combined with restructured amortization schedules. The Company does not generally grant principal forgiveness.

 

Page 29 

All loans classified as troubled debt restructurings are considered to be impaired and are evaluated as such for determination of the allowance for loan losses. The Company’s troubled debt restructurings can be classified as either nonaccrual or accruing based on the loan’s payment status. The troubled debt restructurings that are nonaccrual are reported within the nonaccrual loan totals presented previously.

 

The following table presents information related to loans modified in a troubled debt restructuring during the three months ended June 30, 2016 and 2015.

 

($ in thousands)  For the three months ended
June 30, 2016
   For the three months ended
June 30, 2015
 
   Number of
Contracts
   Pre-
Modification
Restructured
Balances
   Post-
Modification
Restructured
Balances
   Number of
Contracts
   Pre-
Modification
Restructured
Balances
   Post-
Modification
Restructured
Balances
 
Non-covered TDRs – Accruing                              
Commercial, financial, and agricultural      $   $    1    8    8 
Real estate – construction, land development & other land loans                        
Real estate – mortgage – residential (1-4 family) first mortgages               1    152    152 
Real estate – mortgage – home equity loans / lines of credit                        
Real estate – mortgage – commercial and other                        
Installment loans to individuals                        
                               
Non-covered TDRs – Nonaccrual                              
Commercial, financial, and agricultural                        
Real estate – construction, land development & other land loans                        
Real estate – mortgage – residential (1-4 family) first mortgages                        
Real estate – mortgage – home equity loans / lines of credit                        
Real estate – mortgage – commercial and other                        
Installment loans to individuals                        
Total non-covered TDRs arising during period               2    160    160 
                               
Total covered TDRs arising during period– Accruing      $   $       $   $ 
Total covered TDRs arising during period – Nonaccrual                        
Total TDRs arising during period      $   $    2   $160   $160 

 

Page 30 

 

The following table presents information related to loans modified in a troubled debt restructuring during the six months ended June 30, 2016 and 2015.

 

($ in thousands)  For the six months ended
June 30, 2016
   For the six months ended
June 30, 2015
 
   Number of
Contracts
   Pre-
Modification
Restructured
Balances
   Post-
Modification
Restructured
Balances
   Number of
Contracts
   Pre-
Modification
Restructured
Balances
   Post-
Modification
Restructured
Balances
 
Non-covered TDRs – Accruing                              
Commercial, financial, and agricultural      $   $    1   $8   $8 
Real estate – construction, land development & other land loans                        
Real estate – mortgage – residential (1-4 family) first mortgages               2    265    265 
Real estate – mortgage – home equity loans / lines of credit                        
Real estate – mortgage – commercial and other               1    51    51 
Installment loans to individuals                        
                               
Non-covered TDRs – Nonaccrual                              
Commercial, financial, and agricultural                        
Real estate – construction, land development & other land loans               1    1    1 
Real estate – mortgage – residential (1-4 family) first mortgages               3    304    304 
Real estate – mortgage – home equity loans / lines of credit                        
Real estate – mortgage – commercial and other                        
Installment loans to individuals                        
Total non-covered TDRs arising during period               8    629    629 
                               
Total covered TDRs arising during period– Accruing      $   $    2   $139   $139 
Total covered TDRs arising during period – Nonaccrual                        
Total TDRs arising during period      $   $    10   $768   $768 

 

 

Page 31 

Accruing restructured loans that were modified in the previous 12 months and that defaulted during the three months ended June 30, 2016 and 2015 are presented in the table below. The Company considers a loan to have defaulted when it becomes 90 or more days delinquent under the modified terms, has been transferred to nonaccrual status, or has been transferred to foreclosed real estate.

 

($ in thousands)  For the three months ended
June 30, 2016
   For the three months ended
June 30, 2015
 
   Number of
Contracts
   Recorded
Investment
   Number of
Contracts
   Recorded
Investment
 
                 
Non-covered accruing TDRs that subsequently defaulted                    
Commercial, financial, and agricultural      $    1   $7 
                     
Total non-covered TDRs that subsequently defaulted      $    1   $7 
                     
Total accruing covered TDRs that subsequently defaulted      $       $ 
                     
Total accruing TDRs that subsequently defaulted      $    1   $7 

 

 

Accruing restructured loans that were modified in the previous 12 months and that defaulted during the six months ended June 30, 2016 and 2015 are presented in the table below.

 

($ in thousands)  For the six months ended
June 30, 2016
   For the six months ended
June 30, 2015
 
   Number of
Contracts
   Recorded
Investment
   Number of
Contracts
   Recorded
Investment
 
                 
Non-covered accruing TDRs that subsequently defaulted                    
Commercial, financial, and agricultural      $    1   $7 
Real estate – mortgage – residential (1–4 family first mortgages)            1    34 
Real estate – mortgage – commercial and other   1    21         
                     
Total non-covered TDRs that subsequently defaulted   1   $21    2   $41 
                     
Total accruing covered TDRs that subsequently defaulted   1   $44       $ 
                     
Total accruing TDRs that subsequently defaulted   2   $65    2   $41 

 

Page 32 

Note 8 – Deferred Loan Costs

 

The amount of loans shown on the Consolidated Balance Sheets includes net deferred loan costs of approximately $1,074,000, $873,000, and $819,000 at June 30, 2016, December 31, 2015, and June 30, 2015, respectively.

 

Note 9 – FDIC Indemnification Asset

 

The FDIC indemnification asset is the estimated amount that the Company will receive from the FDIC under loss share agreements associated with two FDIC-assisted failed bank acquisitions. See page 42 of the Company’s 2015 Annual Report on Form 10-K for a detailed explanation of this asset.

 

The FDIC indemnification asset was comprised of the following components as of the dates shown:

 

($ in thousands)  June 30,
2016
   December 31,
2015
   June 30,
2015
 
Receivable (payable) related to loss claims incurred (recoveries), not yet received (paid), net  $(1,542)   (633)   265 
Receivable related to estimated future claims on loans   6,383    8,675    11,003 
Receivable related to estimated future claims on foreclosed real estate   316    397    714 
     FDIC indemnification asset  $5,157    8,439    11,982 

 

The following presents a rollforward of the FDIC indemnification asset since December 31, 2015.

 

($ in thousands)    
Balance at December 31, 2015  $8,439 
Decrease related to favorable changes in loss estimates   (2,246)
Increase related to reimbursable expenses   205 
Cash paid (received)   738 
Amortization associated with accretion of loan discount   (2,005)
Other   26 
Balance at June 30, 2016  $5,157 
      

 

Note 10 – Goodwill and Other Intangible Assets

 

The following is a summary of the gross carrying amount and accumulated amortization of amortizable intangible assets as of June 30, 2016, December 31, 2015, and June 30, 2015 and the carrying amount of unamortized intangible assets as of those same dates. In connection with the January 1, 2016 acquisition of Bankingport, Inc., an insurance agency located in Sanford, North Carolina, the Company recorded $1,693,000 in goodwill, $591,000 in a customer list intangible, and $92,000 in other amortizable intangible assets. In connection with the May 4, 2016 acquisition of SBA Complete, Inc., a SBA loan consulting firm, the Company recorded $6,013,000 in goodwill, $1,100,000 in a customer list intangible, and $940,000 in other amortizable intangible assets.

 

   June 30, 2016   December 31, 2015   June 30, 2015 
($ in thousands)  Gross Carrying
Amount
   Accumulated
Amortization
   Gross Carrying
Amount
   Accumulated
Amortization
   Gross Carrying
Amount
   Accumulated
Amortization
 
Amortizable intangible assets:                              
   Customer lists  $2,369    624    678    550    678    528 
   Core deposit premiums   8,560    7,660    8,560    7,352    8,560    7,013 
   Other   1,032    65                 
        Total  $11,961    8,349    9,238    7,902    9,238    7,541 
                               
Unamortizable intangible assets:                              
   Goodwill  $73,541         65,835         65,835      

 

Amortization expense totaled $261,000 and $180,000 for the three months ended June 30, 2016 and 2015, respectively. Amortization expense totaled $447,000 and $360,000 for the six months ended June 30, 2016 and 2015, respectively.

 

Page 33 

The following table presents the estimated amortization expense for the last half of calendar year 2016 and for each of the four calendar years ending December 31, 2020 and the estimated amount amortizable thereafter. These estimates are subject to change in future periods to the extent management determines it is necessary to make adjustments to the carrying value or estimated useful lives of amortized intangible assets.

 

($ in thousands)

 

  Estimated Amortization
Expense
 
July 1 to December 31, 2016  $ 587 
2017   934 
2018   624 
2019   471 
2020   301 
Thereafter   695 
         Total  $3,612 
      

 

Note 11 – Pension Plans

 

The Company has historically sponsored two defined benefit pension plans – a qualified retirement plan (the “Pension Plan”) which was generally available to all employees, and a Supplemental Executive Retirement Plan (the “SERP”), which was for the benefit of certain senior management executives of the Company. Effective December 31, 2012, the Company froze both plans for all participants. Although no previously accrued benefits were lost, employees no longer accrue benefits for service subsequent to 2012.

 

The Company recorded pension income totaling $162,000 and $288,000 for the three months ended June 30, 2016 and 2015, respectively, which primarily related to investment income from the Pension Plan’s assets. The following table contains the components of the pension income.

 

   For the Three Months Ended June 30, 
   2016   2015   2016   2015   2016 Total   2015 Total 
($ in thousands)  Pension Plan   Pension Plan   SERP   SERP   Both Plans   Both Plans 
Service cost  $        27    46    27    46 
Interest cost   376    341    59    51    435    392 
Expected return on plan assets   (675)   (710)           (675)   (710)
Amortization of transition obligation                        
Amortization of net (gain)/loss   60        (9)   (16)   51    (16)
Amortization of prior service cost                        
   Net periodic pension (income)/cost  $(239)   (369)   77    81    (162)   (288)

 

The Company recorded pension income totaling $325,000 and $555,000 for the six months ended June 30, 2016 and 2015, respectively, which primarily related to investment income from the Pension Plan’s assets. The following table contains the components of the pension income.

 

   For the Six Months Ended June 30, 
   2016   2015   2016   2015   2016 Total   2015 Total 
($ in thousands)  Pension Plan   Pension Plan   SERP   SERP   Both Plans   Both Plans 
Service cost – benefits earned during the period  $        53    125    53    125 
Interest cost   752    682    118    103    870    785 
Expected return on plan assets   (1,350)   (1,418)           (1,350)   (1,418)
Amortization of transition obligation                        
Amortization of net (gain)/loss   120        (18)   (47)   102    (47)
Amortization of prior service cost                        
   Net periodic pension cost (income)  $(478)   (736)   153    181    (325)   (555)

 

The Company’s contributions to the Pension Plan are based on computations by independent actuarial consultants and are intended to be deductible for income tax purposes. The contributions are invested to provide for benefits under the Pension Plan. The Company does not expect to contribute to the Pension Plan in 2016.

 

The Company’s funding policy with respect to the SERP is to fund the related benefits from the operating cash flow of the Company.

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Note 12 – Comprehensive Income

 

Comprehensive income is defined as the change in equity during a period for non-owner transactions and is divided into net income and other comprehensive income. Other comprehensive income includes revenues, expenses, gains, and losses that are excluded from earnings under current accounting standards. The components of accumulated other comprehensive income for the Company are as follows:

 

($ in thousands)

 

  June 30, 2016   December 31, 2015   June 30, 2015 
Unrealized gain (loss) on securities available for sale  $1,722    (1,163)   (1,433)
     Deferred tax asset (liability)   (671)   454    560 
Net unrealized gain (loss) on securities available for sale   1,051    (709)   (873)
                
Additional pension asset (liability)   (4,555)   (4,657)   (304)
     Deferred tax asset (liability)   1,776    1,816    118 
Net additional pension asset (liability)   (2,779)   (2,841)   (186)
                
Total accumulated other comprehensive income (loss)  $(1,728)   (3,550)   (1,059)

 

The following table discloses the changes in accumulated other comprehensive income (loss) for the six months ended June 30, 2016 (all amounts are net of tax).

 

($ in thousands)

 

  Unrealized Gain
(Loss) on
Securities
Available for Sale
   Additional
Pension Asset
(Liability)
   Total 
Beginning balance at January 1, 2016  $(709)   (2,841)   (3,550)
     Other comprehensive income (loss) before reclassifications   1,762        1,762 
     Amounts reclassified from accumulated other comprehensive income   (2)   62    60 
Net current-period other comprehensive income (loss)   1,760    62    1,822 
                
Ending balance at June 30, 2016  $1,051    (2,779)   (1,728)

 

The following table discloses the changes in accumulated other comprehensive income (loss) for the six months ended June 30, 2015 (all amounts are net of tax).

 

($ in thousands)

 

  Unrealized Gain
(Loss) on
Securities
Available for Sale
   Additional
Pension Asset
(Liability)
   Total 
Beginning balance at January 1, 2015  $(421)   (157)   (578)
     Other comprehensive income (loss) before reclassifications   (452)       (452)
     Amounts reclassified from accumulated other comprehensive income       (29)   (29)
Net current-period other comprehensive income (loss)   (452)   (29)   (481)
                
Ending balance at June 30, 2015  $(873)   (186)   (1,059)

 

 

Note 13 – Fair Value

 

Relevant accounting guidance establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The guidance describes three levels of inputs that may be used to measure fair value:

 

Level 1: Quoted prices (unadjusted) of identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

 

Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

 

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Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

 

The following table summarizes the Company’s financial instruments that were measured at fair value on a recurring and nonrecurring basis at June 30, 2016.

 

($ in thousands)        
Description of Financial Instruments  Fair Value at
June 30, 2016
   Quoted Prices in
Active Markets for
Identical Assets
(Level 1)
   Significant Other
Observable Inputs
(Level 2)
   Significant
Unobservable Inputs
(Level 3)
 
Recurring                    
     Securities available for sale:                    
        Government-sponsored enterprise securities  $15,992        15,992     
        Mortgage-backed securities   169,256        169,256     
        Corporate bonds   34,381        34,381     
        Equity securities   133        133     
          Total available for sale securities  $219,762        219,762     
                     
Nonrecurring                    
     Impaired loans – covered  $2,063            2,063 
     Impaired loans – non-covered   15,920            15,920 
     Foreclosed real estate – covered   385            385 
     Foreclosed real estate – non-covered   10,221            10,221 
                     

 

The following table summarizes the Company’s financial instruments that were measured at fair value on a recurring and nonrecurring basis at December 31, 2015.

 

($ in thousands)        
Description of Financial Instruments  Fair Value at
December 31,
2015
   Quoted Prices in
Active Markets
for Identical
Assets (Level 1)
   Significant Other
Observable Inputs
(Level 2)
   Significant
Unobservable
Inputs
(Level 3)
 
Recurring                    
Securities available for sale:                    
Government-sponsored enterprise securities  $18,972        18,972     
Mortgage-backed securities   121,553        121,553     
Corporate bonds   24,946        24,946     
Equity securities   143        143     
Total available for sale securities  $165,614        165,614     
                     
Nonrecurring                    
     Impaired loans – covered  $2,588            2,588 
     Impaired loans – non-covered   18,057            18,057 
     Foreclosed real estate – covered   806            806 
     Foreclosed real estate – non-covered   9,188            9,188 

 

 

The following is a description of the valuation methodologies used for instruments measured at fair value.

 

Securities Available for Sale — When quoted market prices are available in an active market, the securities are classified as Level 1 in the valuation hierarchy. If quoted market prices are not available, but fair values can be estimated by observing quoted prices of securities with similar characteristics, the securities are classified as Level 2 on the valuation hierarchy. Most of the fair values for the Company’s Level 2 securities are determined by our third-party bond accounting provider using matrix pricing. Matrix pricing is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities. For the Company, Level 2 securities include mortgage-backed securities, collateralized mortgage obligations, government-sponsored enterprise securities, and corporate bonds. In cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy.

 

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The Company reviews the pricing methodologies utilized by the bond accounting provider to ensure the fair value determination is consistent with the applicable accounting guidance and that the investments are properly classified in the fair value hierarchy. Further, the Company validates the fair values for a sample of securities in the portfolio by comparing the fair values provided by the bond accounting provider to prices from other independent sources for the same or similar securities. The Company analyzes unusual or significant variances and conducts additional research with the portfolio manager, if necessary, and takes appropriate action based on its findings.

 

Impaired loans — Fair values for impaired loans in the above table are measured on a non-recurring basis and are based on the underlying collateral values securing the loans, adjusted for estimated selling costs, or the net present value of the cash flows expected to be received for such loans. Collateral may be in the form of real estate or business assets including equipment, inventory and accounts receivable. The vast majority of the collateral is real estate. The value of real estate collateral is determined using an income or market valuation approach based on an appraisal conducted by an independent, licensed third party appraiser (Level 3). The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable borrower’s financial statements if not considered significant. Likewise, values for inventory and accounts receivable collateral are based on borrower financial statement balances or aging reports on a discounted basis as appropriate (Level 3). Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income.

 

Foreclosed real estate – Foreclosed real estate, consisting of properties obtained through foreclosure or in satisfaction of loans, is reported at the lower of cost or fair value. Fair value is measured on a non-recurring basis and is based upon independent market prices or current appraisals that are generally prepared using an income or market valuation approach and conducted by an independent, licensed third party appraiser, adjusted for estimated selling costs (Level 3). At the time of foreclosure, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the allowance for loan losses. For any real estate valuations subsequent to foreclosure, any excess of the real estate recorded value over the fair value of the real estate is treated as a foreclosed real estate write-down on the Consolidated Statements of Income.

 

For Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis as of June 30, 2016, the significant unobservable inputs used in the fair value measurements were as follows:

 

($ in thousands)       
Description  Fair Value at
June 30, 2016
   Valuation
Technique
  Significant Unobservable
Inputs
  General Range
of Significant
Unobservable
Input Values
Impaired loans – covered  $2,063   Appraised value; PV of expected cash flows  Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell  0-10%
Impaired loans – non-covered   15,920   Appraised value; PV of expected cash flows  Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell  0-10%
Foreclosed real estate – covered   385   Appraised value; List or contract price  Discounts to reflect current market conditions and estimated costs to sell  0-10%
Foreclosed real estate – non-covered   10,221   Appraised value; List or contract price  Discounts to reflect current market conditions, abbreviated holding period and estimated costs to sell  0-10%
               

 

For Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis as of December 31, 2015, the significant unobservable inputs used in the fair value measurements were as follows:

 

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($ in thousands)       
Description  Fair Value at
December 31, 2015
   Valuation
Technique
  Significant Unobservable
Inputs
  General Range
of Significant
Unobservable
Input Values
Impaired loans – covered  $2,588   Appraised value; PV of expected cash flows  Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell  0-10%
Impaired loans – non-covered   18,057   Appraised value; PV of expected cash flows  Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell  0-10%
Foreclosed real estate – covered   806   Appraised value; List or contract price  Discounts to reflect current market conditions and estimated costs to sell  0-10%
Foreclosed real estate – non-covered   9,188   Appraised value; List or contract price  Discounts to reflect current market conditions, abbreviated holding period and estimated costs to sell  0-10%
               

 

Transfers of assets or liabilities between levels within the fair value hierarchy are recognized when an event or change in circumstances occurs. There were no transfers between Level 1 and Level 2 for assets or liabilities measured on a recurring basis during the three or six months ended June 30, 2016 or 2015.

 

For the six months ended June 30, 2016 and 2015, the increase (decrease) in the fair value of securities available for sale was $2,888,000 and ($743,000), respectively, which is included in other comprehensive income (net of tax expense (benefit) of $1,126,000 and ($291,000), respectively). Fair value measurement methods at June 30, 2016 and 2015 are consistent with those used in prior reporting periods.

 

The carrying amounts and estimated fair values of financial instruments at June 30, 2016 and December 31, 2015 are as follows:

 

      June 30, 2016   December 31, 2015 

 

($ in thousands)

  Level in Fair
Value
Hierarchy
  Carrying
Amount
   Estimated
Fair Value
   Carrying
Amount
   Estimated
Fair Value
 
                    
Cash and due from banks, noninterest-bearing  Level 1  $58,956    58,956    53,285    53,285 
Due from banks, interest-bearing  Level 1   189,404    189,404    213,426    213,426 
Federal funds sold  Level 1   143    143    557    557 
Securities available for sale  Level 2   219,762    219,762    165,614    165,614 
Securities held to maturity  Level 2   142,073    146,099    154,610    157,146 
Presold mortgages in process of settlement  Level 1   4,104    4,104    4,323    4,323 
Total loans, net of allowance  Level 3   2,572,111    2,548,380    2,490,343    2,484,059 
Accrued interest receivable  Level 1   9,152    9,152    9,166    9,166 
FDIC indemnification asset  Level 3   5,157    5,109    8,439    8,256 
Bank-owned life insurance  Level 1   73,098    73,098    72,086    72,086 
                        
Deposits  Level 2   2,872,020    2,871,399    2,811,285    2,809,828 
Borrowings  Level 2   206,394    198,531    186,394    178,468 
Accrued interest payable  Level 2   586    586    585    585 
                        

 

Fair value methods and assumptions are set forth below for the Company’s financial instruments.

 

Cash and Amounts Due from Banks, Federal Funds Sold, Presold Mortgages in Process of Settlement, Accrued Interest Receivable, and Accrued Interest Payable - The carrying amounts approximate their fair value because of the short maturity of these financial instruments.

 

Available for Sale and Held to Maturity Securities - Fair values are provided by a third-party and are based on quoted market prices, where available. If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments or matrix pricing.

 

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Loans - For nonimpaired loans, fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, financial and agricultural, real estate construction, real estate mortgages and installment loans to individuals. Each loan category is further segmented into fixed and variable interest rate terms. The fair value for each category is determined by discounting scheduled future cash flows using current interest rates offered on loans with similar risk characteristics. Fair values for impaired loans are primarily based on estimated proceeds expected upon liquidation of the collateral or the present value of expected cash flows.

 

FDIC Indemnification Asset – Fair value is equal to the FDIC reimbursement rate of the expected losses to be incurred and reimbursed by the FDIC and then discounted over the estimated period of receipt.

 

Bank-Owned Life Insurance – The carrying value of life insurance approximates fair value because this investment is carried at cash surrender value, as determined by the issuer.

 

Deposits - The fair value of deposits with no stated maturity, such as noninterest-bearing checking accounts, savings accounts, interest-bearing checking accounts, and money market accounts, is equal to the amount payable on demand as of the valuation date. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered in the marketplace for deposits of similar remaining maturities.

 

Borrowings - The fair value of borrowings is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered by the Company’s lenders for debt of similar remaining maturities.

 

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no highly liquid market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

 

Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial assets or liabilities include net premises and equipment, intangible and other assets such as deferred income taxes, prepaid expense accounts, income taxes currently payable and other various accrued expenses. In addition, the income tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.

 

Note 14 – Shareholders’ Equity Transactions

 

Small Business Lending Fund

 

On September 1, 2011, the Company completed the sale of $63.5 million of Series B Preferred Stock to the Secretary of the Treasury under the Small Business Lending Fund (SBLF). The fund was established under the Small Business Jobs Act of 2010 that was created to encourage lending to small businesses by providing capital to qualified community banks with assets less than $10 billion.

 

Under the terms of the stock purchase agreement, the Treasury received 63,500 shares of non-cumulative perpetual preferred stock with a liquidation value of $1,000 per share, in exchange for $63.5 million. On June 25, 2015, the Company redeemed $32 million (32,000 shares) of the outstanding SBLF Stock. The shares were redeemed at their liquidation value of $1,000 per share plus accrued dividends. On October 16, 2015, the Company redeemed the remaining $31.5 million (31,500 shares) of the outstanding SBLF Stock. The shares were redeemed at their liquidation value of $1,000 per share plus accrued dividends. With these redemptions, the Company ended its participation in the SBLF.

 

Page 39 

For the three and six months ended June 30, 2015, the Company accrued approximately $153,000 and $312,000, respectively, in preferred dividend payments for the Series B Preferred Stock. This amount is deducted from net income in computing “Net income available to common shareholders.”

 

Stock Issuance

 

On December 21, 2012, the Company issued 2,656,294 shares of its common stock and 728,706 shares of the Company’s Series C Preferred Stock to certain accredited investors, each at the price of $10.00 per share, pursuant to a private placement transaction. Net proceeds from this sale of common and preferred stock were $33.8 million and were used to strengthen the Company’s balance sheet in anticipation of a planned disposition of certain classified loans and write-down of foreclosed real estate.

 

The Series C Preferred Stock qualifies as Tier 1 capital and is Convertible Perpetual Preferred Stock, with dividend rights equal to the Company’s Common Stock. Each share of Series C Preferred Stock will automatically convert into one share of Common Stock on the date the holder of Series C Preferred Stock transfers any shares of Series C Preferred Stock to a non-affiliate of the holder in certain permissible transfers. The Series C Preferred Stock is non-voting, except in limited circumstances.

 

The Series C Preferred Stock pays a dividend per share equal to that of the Company’s common stock. During each of the second quarters of 2016 and 2015, the Company accrued approximately $58,000 in preferred dividend payments for the Series C Preferred Stock. During each of the first six months of 2016 and 2015, the Company accrued approximately $117,000 in preferred dividend payments for the Series C Preferred Stock.

 

 

Note 15 – Acquisitions

 

The Company completed the following acquisitions in 2016.

 

(1)On January 1, 2016, the Company completed the acquisition of Bankingport, Inc. (“Bankingport”). The results of Bankingport are included in First Bancorp’s results for the three and six months ended June 30, 2016 beginning on the January 1, 2016 acquisition date.

 

Bankingport was an insurance agency based in Sanford, North Carolina. This acquisition represented an opportunity to expand the insurance agency operations into a contiguous and significant banking market for the Company. Also, this acquisition provided the Company with a larger platform for leveraging insurance services throughout the Company’s bank branch network. The deal value was $2.2 million and the transaction was completed on January 1, 2016 with the Company paying $700,000 in cash and issuing 79,012 shares of its common stock, which had a value of approximately $1.5 million. In connection with the acquisition, the Company also paid $1.1 million to purchase the office space previously leased by Bankingport.

 

This acquisition has been accounted for using the purchase method of accounting for business combinations, and accordingly, the assets and liabilities of Bankingport were recorded based on estimates of fair values as of January 1, 2016. In connection with this transaction, the Company recorded $1.7 million in goodwill, which is non-deductible for tax purposes, and $0.7 million in other amortizable intangible assets.

 

(2)On May 5, 2016, the Company completed the acquisition of SBA Complete, Inc. (“SBA Complete”). The results of SBA Complete are included in First Bancorp’s results for the three and six months ended June 30, 2016 beginning on the May 5, 2016 acquisition date. SBA Complete is a consulting firm that specializes in consulting with financial institutions across the country related to Small Business Administration (“SBA”) loan origination and servicing. The deal value was $8.9 million and the transaction was completed on May 5, 2016 with the Company paying $1.5 million in cash and issuing 199,829 shares of its common stock, which had a value of approximately $4.0 million. Per the terms of the agreement, the Company also recorded an earn-out liability valued at $3.4 million, which will be paid in shares of Company stock in annual distributions over a three year period if pre-determined goals are met for those three years.

 

This acquisition has been accounted for using the purchase method of accounting for business combinations, and accordingly, the assets and liabilities of SBA Complete were recorded based on estimates of fair values as of May 5, 2016. In connection with this transaction, the Company recorded $6.0 million in goodwill, which is non-deductible for tax purposes, and $2.0 million in other amortizable intangible assets.

 

Page 40 

Note 16 – Pending Acquisition

 

On June 21, 2016, the Company announced that it had reached an agreement to acquire Carolina Bank Holdings, Inc., headquartered in Greensboro, North Carolina, with a total deal value of $97.3 million. The merger consideration is a combination of both cash and stock, with each share of Carolina Bank Holdings stock being exchanged for either $20.00 in cash or 1.002 shares of First Bancorp stock, subject to the total consideration being 75% stock / 25% cash. Carolina Bank operates eight branches located in Greensboro, High Point, Burlington, and Winston-Salem, North Carolina and also operates three mortgage offices in North Carolina. The acquisition is a natural extension of the Company’s recent expansion into these high-growth areas. As of June 30, 2016, Carolina Bank Holdings had $706 million in total assets, $534 million in gross loans, and $599 million in total deposits. Subject to regulatory approval and the satisfaction of customary closing conditions, the transaction is expected to close in the fourth quarter of 2016 or the first quarter of 2017.

 

Note 17 – Subsequent Event

 

On July 15, 2016, the Company completed the branch exchange with First Community Bank, headquartered in Bluefield, Virginia. The Bank exchanged its entire branch network in Virginia, which was comprised of seven branches in the southwestern area of Virginia, for six of First Community Bank’s branches located in North Carolina. The Bank acquired a total of six branches, with four of the branches being in Winston-Salem, one branch in Mooresville and the other branch in Huntersville. In the exchange, the Bank acquired approximately $154 million in loans and $111 million in deposits, while transferring approximately $152 million in loans and $134 million in deposits to First Community Bank.

 

 

Page 41 

Item 2 - Management's Discussion and Analysis of Consolidated Results of Operations and Financial Condition

 

Critical Accounting Policies

 

The accounting principles we follow and our methods of applying these principles conform with accounting principles generally accepted in the United States of America and with general practices followed by the banking industry. Certain of these principles involve a significant amount of judgment and may involve the use of estimates based on our best assumptions at the time of the estimation. The allowance for loan losses, intangible assets, and the fair value and discount accretion of loans acquired in FDIC-assisted transactions are three policies we have identified as being more sensitive in terms of judgments and estimates, taking into account their overall potential impact to our consolidated financial statements.

 

Allowance for Loan Losses

 

Due to the estimation process and the potential materiality of the amounts involved, we have identified the accounting for the allowance for loan losses and the related provision for loan losses as an accounting policy critical to our consolidated financial statements. The provision for loan losses charged to operations is an amount sufficient to bring the allowance for loan losses to an estimated balance considered adequate to absorb losses inherent in the portfolio.

 

Our determination of the adequacy of the allowance is based primarily on a mathematical model that estimates the appropriate allowance for loan losses. This model has two components. The first component involves the estimation of losses on individually evaluated “impaired loans”. A loan is considered to be impaired when, based on current information and events, it is probable we will be unable to collect all amounts due according to the contractual terms of the loan agreement. A loan is specifically evaluated for an appropriate valuation allowance if the loan balance is above a prescribed evaluation threshold (which varies based on credit quality, accruing status, troubled debt restructured status, and type of collateral) and the loan is determined to be impaired. The estimated valuation allowance is the difference, if any, between the loan balance outstanding and the value of the impaired loan as determined by either 1) an estimate of the cash flows that we expect to receive from the borrower discounted at the loan’s effective rate, or 2) in the case of a collateral-dependent loan, the fair value of the collateral.

 

The second component of the allowance model is an estimate of losses for all loans not considered to be impaired loans (“general reserve loans”). General reserve loans are segregated into pools by loan type and risk grade and estimated loss percentages are assigned to each loan pool based on historical losses.  The historical loss percentage is then adjusted for any environmental factors used to reflect changes in the collectability of the portfolio not captured by historical data.

 

The reserves estimated for individually evaluated impaired loans are then added to the reserve estimated for general reserve loans. This becomes our “allocated allowance.” The allocated allowance is compared to the actual allowance for loan losses recorded on our books and any adjustment necessary for the recorded allowance to absorb losses inherent in the portfolio is recorded as a provision for loan losses. The provision for loan losses is a direct charge to earnings in the period recorded. Any remaining difference between the allocated allowance and the actual allowance for loan losses recorded on our books is our “unallocated allowance.”

 

Loans covered under loss share agreements (referred to as “covered loans”) are recorded at fair value at acquisition date. Therefore, amounts deemed uncollectible at acquisition date become a part of the fair value calculation and are excluded from the allowance for loan losses. Subsequent decreases in the amount expected to be collected result in a provision for loan losses with a corresponding increase in the allowance for loan losses. Subsequent increases in the amount expected to be collected are accreted into income over the life of the loan. Proportional adjustments are also recorded to the FDIC indemnification asset.

 

Although we use the best information available to make evaluations, future material adjustments may be necessary if economic, operational, or other conditions change. In addition, various regulatory agencies, as an integral part of their examination process, periodically review our allowance for loan losses. Such agencies may require us to recognize additions to the allowance based on the examiners’ judgment about information available to them at the time of their examinations.

 

For further discussion, see “Nonperforming Assets” and “Summary of Loan Loss Experience” below.

 

Page 42 

Intangible Assets

 

Due to the estimation process and the potential materiality of the amounts involved, we have also identified the accounting for intangible assets as an accounting policy critical to our consolidated financial statements.

 

When we complete an acquisition transaction, the excess of the purchase price over the amount by which the fair market value of assets acquired exceeds the fair market value of liabilities assumed represents an intangible asset. We must then determine the identifiable portions of the intangible asset, with any remaining amount classified as goodwill. Identifiable intangible assets associated with these acquisitions are generally amortized over the estimated life of the related asset, whereas goodwill is tested annually for impairment, but not systematically amortized. Assuming no goodwill impairment, it is beneficial to our future earnings to have a lower amount assigned to identifiable intangible assets and higher amount of goodwill as opposed to having a higher amount considered to be identifiable intangible assets and a lower amount classified as goodwill.

 

The primary identifiable intangible asset we typically record in connection with a whole bank or bank branch acquisition is the value of the core deposit intangible, whereas when we acquire an insurance agency, the primary identifiable intangible asset is the value of the acquired customer list. Determining the amount of identifiable intangible assets and their average lives involves multiple assumptions and estimates and is typically determined by performing a discounted cash flow analysis, which involves a combination of any or all of the following assumptions: customer attrition/runoff, alternative funding costs, deposit servicing costs, and discount rates. We typically engage a third party consultant to assist in each analysis. For the whole bank and bank branch transactions recorded to date, the core deposit intangibles have generally been estimated to have a life ranging from seven to ten years, with an accelerated rate of amortization. For insurance agency acquisitions, the identifiable intangible assets related to the customer lists were determined to have a life of ten to fifteen years, with amortization occurring on a straight-line basis.

 

Subsequent to the initial recording of the identifiable intangible assets and goodwill, we amortize the identifiable intangible assets over their estimated average lives, as discussed above. In addition, on at least an annual basis, goodwill is evaluated for impairment by comparing the fair value of our reporting units to their related carrying value, including goodwill (our community banking operation is our only material reporting unit). If the carrying value of a reporting unit were ever to exceed its fair value, we would determine whether the implied fair value of the goodwill, using a discounted cash flow analysis, exceeded the carrying value of the goodwill. If the carrying value of the goodwill exceeded the implied fair value of the goodwill, an impairment loss would be recorded in an amount equal to that excess. Performing such a discounted cash flow analysis would involve the significant use of estimates and assumptions.

 

In our 2015 goodwill impairment evaluation, we engaged a consulting firm that used various valuation techniques to assist us in concluding that our goodwill was not impaired.

 

We review identifiable intangible assets for impairment whenever events or changes in circumstances indicate that the carrying value may not be recoverable. Our policy is that an impairment loss is recognized, equal to the difference between the asset’s carrying amount and its fair value, if the sum of the expected undiscounted future cash flows is less than the carrying amount of the asset. Estimating future cash flows involves the use of multiple estimates and assumptions, such as those listed above.

 

Fair Value and Discount Accretion of Loans Acquired in FDIC-Assisted Transactions

 

We consider the determination of the initial fair value of loans acquired in FDIC-assisted transactions, the initial fair value of the related FDIC indemnification asset, and the subsequent discount accretion of the purchased loans to involve a high degree of judgment and complexity. We determine fair value accounting estimates of newly assumed assets and liabilities in accordance with relevant accounting guidance. However, the amount that we realize on these assets could differ materially from the carrying value reflected in our financial statements, based upon the timing of collections on the acquired loans in future periods. To the extent the actual values realized for the acquired loans are different from the estimates, the FDIC indemnification asset will generally be impacted in an offsetting manner due to the loss-sharing support from the FDIC.

 

Because of the inherent credit losses associated with the acquired loans in a failed bank acquisition, the amount that we record as the fair values for the loans is generally less than the contractual unpaid principal balance due from the borrowers, with the difference being referred to as the “discount” on the acquired loans. We have applied the cost recovery method of accounting to all purchased impaired loans due to the uncertainty as to the timing of expected cash flows. This will generally result in the recognition of interest income on these impaired loans only when the cash payments received from the borrower exceed the recorded net book value of the related loans.

 

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For nonimpaired purchased loans, we accrete the discount over the lives of the loans in a manner consistent with the guidance for accounting for loan origination fees and costs.

 

FDIC Indemnification Asset

 

The FDIC indemnification asset is the estimated amount that the Company will receive from the FDIC under loss share agreements associated with two FDIC-assisted failed bank acquisitions. See page 42 of the Company’s 2015 Annual Report on Form 10-K for a detailed explanation of this asset.

 

The following table presents additional information regarding our covered loans, loan discounts, allowances for loan losses and the corresponding FDIC indemnification asset:

 

($ in thousands)            
At June 30, 2016  Cooperative
Single
Family Loss
Share
Loans
   Bank of
Asheville
Single Family
Loss Share
Loans
   Total 
Expiration of loss share agreement   6/30/2019    3/31/2021      
                
Nonaccrual covered loans               
     Unpaid principal balance  $4,801    162    4,963 
     Carrying value prior to loan discount*   4,619    156    4,775 
     Loan discount   532    49    581 
     Net carrying value   4,087    107    4,194 
     Allowance for loan losses   81    3    84 
     Indemnification asset recorded   314    23    337 
                
All other covered loans               
     Unpaid principal balance   79,645    5,975    85,620 
     Carrying value prior to loan discount*   79,476    5,896    85,372 
     Loan discount   10,291    888    11,179 
     Net carrying value   69,185    5,008    74,193 
     Allowance for loan losses   942    48    990 
     Indemnification asset recorded   5,420    632    6,052 
                
All covered loans               
     Unpaid principal balance   84,446    6,137    90,583 
     Carrying value prior to loan discount*   84,095    6,052    90,147 
     Loan discount   10,823    937    11,760 
     Net carrying value   73,272    5,115    78,387 
     Allowance for loan losses   1,023    51    1,074 
     Indemnification asset recorded   5,734    655    6,389**
                
Foreclosed Properties               
     Net carrying value   385      385 
     Indemnification asset recorded   316        316 
                
For the Six Months Ended June 30, 2016               
Loan discount accretion recognized   1,278    545    1,823 
Loan discount accretion recognized on Bank of Asheville non-single family loans ***             908 
             Total loan discount accretion             2,731 
Indemnification asset expense associated with the loan discount accretion recognized   1,453    376    1,829 
Indemnification asset expense associated with the loan discount accretion recognized
on Bank of Asheville non-single family loans
             176 
       Total indemnification asset expense associated with loan discount accretion             2,005 

* Reflects partial charge-offs and payments received while loan was on nonaccrual status
** A present value adjustment of $6 reduces the carrying value of this asset to $6,383
*** The remaining loan discount associated with Bank of Asheville non-single family loans as of June 30, 2016 was $599

 

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The loss share provisions of the loss share agreement related to Bank of Asheville’s non-single family assets expired on March 31, 2016. Accordingly, on April 1, 2016, the remaining balances associated with the Bank of Asheville non-single family loans and foreclosed properties were transferred from the covered portfolio to the non-covered portfolio. We bear all future losses on that portfolio of loans and foreclosed properties, however we do not believe that future losses on these assets will be material. 80% of recoveries associated with prior charge-offs will continue to be shared with the FDIC until March 31, 2019. Immediately prior to the transfer, these loans and foreclosed properties were classified as covered and the portfolio of loans had a carrying value of $17.7 million and the portfolio of foreclosed properties had a carrying value of $1.2 million. Of the $17.7 million in loans that lost loss share protection, approximately $2.8 million of these loans were on nonaccrual status as of April 1, 2016. Additionally, approximately $0.3 million in allowance for loan losses that related to this portfolio of loans were transferred to the allowance for loan losses for non-covered loans on April 1, 2016.

 

There is a remaining loan discount of $0.6 million related to the Bank of Asheville non-single family loss share loans that will continue to be accreted over the lives of the loans. Additionally, loan discount accretion and indemnification asset expense will continue to be recorded on the other two portfolios that continue to be covered by loss share agreements. We are currently pursuing the possibility of early-terminating all loss share agreements with the FDIC if we can do so on terms that are in the best interest of the Company.

 

Current Accounting Matters

 

See Note 2 to the Consolidated Financial Statements above for information about accounting standards that we have recently adopted.

 

RESULTS OF OPERATIONS

 

Overview

 

Net income available to common shareholders for the second quarter of 2016 amounted to $7.6 million, or $0.37 per diluted common share, an increase of 25.7% compared to the $6.0 million, or $0.30 per diluted common share, recorded in the second quarter of 2015.

 

For the six months ended June 30, 2016, we recorded net income available to common shareholders of $14.4 million, or $0.70 per diluted common share, an increase of 12.2% compared to the $12.8 million, or $0.63 per common share, for the six months ended June 30, 2015. The higher earnings were primarily related to increased interest income resulting from loan growth and lower provisions for loan losses.

 

Net Interest Income and Net Interest Margin

 

Net interest income for the second quarter of 2016 amounted to $31.5 million, a 6.5% increase from the $29.6 million recorded in the second quarter of 2015. Net interest income for the first six months of 2016 amounted to $61.7 million, a 4.1% increase from the $59.3 million recorded in the comparable period of 2015. The increases were primarily due to growth in the Company’s loans outstanding and higher yields realized on investment securities.

 

Our net interest margin (tax-equivalent net interest income divided by average earning assets) in the second quarter of 2016 was 4.21% compared to 4.15% for the second quarter of 2015. The higher margin was primarily due to higher amounts of discount accretion on loans purchased in failed-bank acquisitions – see additional discussion below. Additionally, in the second quarter of 2016, we realized $332,000 in previously foregone interest related to the payoff of two loans that had been on nonaccrual basis. For the six month period ended June 30, 2016, our net interest margin was 4.14% compared to 4.17% for the same period in 2015. The lower margin was primarily due to lower loan yields, which have been impacted by the continued low interest rate environment. Loan discount accretion amounted to $1.7 million in the second quarter of 2016, compared to $1.1 million in the second quarter of 2015. For both the first six months of 2016 and 2015, loan discount accretion amounted to $2.7 million.

 

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Provision for Loan Losses and Asset Quality

 

We recorded a total negative provision for loan losses (reduction of the allowance for loan losses) of $0.3 million in the second quarter of 2016 compared to a total provision for loan losses of $0.8 million in the second quarter of 2015. For the six months ended June 30, 2016, we recorded a total negative provision for loan losses of $23,000 compared to a total provision for loan losses of $0.7 million in the same period of 2015. As discussed below, we record provisions for loan losses related to both non-covered and covered loan portfolios – see explanation of the terms “non-covered” and “covered” in the section below entitled “Note Regarding Components of Earnings.”

 

The provision for loan losses on non-covered loans amounted to $0.5 million in the second quarter of 2016 compared to $1.0 million in the second quarter of 2015. The lower provision in 2016 primarily resulted from improved asset quality, including lower net loan charge-offs and a decline in nonperforming assets. For the first six months of 2016, the provision for loan losses on non-covered loans amounted to $2.1 million compared to $1.1 million for the same period of 2015. In 2015, a prolonged period of stable and improving loan quality trends resulted in a minimal amount of provision for loan losses that was needed to adjust the allowance for loan losses to the appropriate amount.

 

We recorded a negative provision for loan losses on covered loans (reduction of allowance for loan losses) of $0.8 million in the second quarter of 2016 compared to a $0.2 million negative provision for loan losses in the second quarter of 2015. For the six months ended June 30, 2016, we recorded a negative provision for loan losses on covered loans of $2.1 million compared to a $0.4 million negative provision for loan losses in the comparable period of 2015. The increase in the negative provisions in 2016 resulted primarily from higher net loan recoveries (recoveries, net of charge-offs) realized during the period.

 

Total non-covered nonperforming assets amounted to $69.8 million at June 30, 2016 (2.06% of total non-covered assets), which includes the impact of the April 1, 2016 transfer of $4.0 million in nonperforming assets from covered status to non-covered status upon the scheduled expiration of a loss share agreement with the FDIC associated with those assets. Total non-covered nonperforming assets amounted to $77.2 million at December 31, 2015 (2.37% of total non-covered assets), and $86.1 million at June 30, 2015 (2.78% of total non-covered assets). The decline in non-covered nonperforming assets is primarily due to on-going resolution of nonperforming assets and improving credit quality.

 

Total covered nonperforming assets also declined over the past year, amounting to $8.0 million at June 30, 2016, $12.1 million at December 31, 2015, and $13.2 million at June 30, 2015. Over the past twelve months, we have resolved a significant amount of covered loans and has experienced strong property sales along the North Carolina coast, which is where most of our covered assets are located. Also, as discussed in the preceding paragraph, on April 1, 2016, we transferred $4.0 million in nonperforming assets from covered status to non-covered status upon the expiration of a loss share agreement.

 

Noninterest Income

 

Total noninterest income was $5.9 million and $5.0 million for the three months ended June 30, 2016 and June 30, 2015, respectively. For the six months ended June 30, 3016, noninterest income amounted to $10.9 million compared to $9.5 million for the six months ended June 30, 2015.

 

Core noninterest income for the second quarter of 2016 was $8.2 million, an increase of 10.1% from the $7.4 million reported for the second quarter of 2015. For the first six months of 2016, core noninterest income amounted to $15.5 million, a 6.2% increase from the $14.6 million recorded in the comparable period of 2015. Core noninterest income includes i) service charges on deposit accounts, ii) other service charges, commissions, and fees, iii) fees from presold mortgages, iv) commissions from financial product sales, v) SBA consulting fees, and vi) bank-owned life insurance income. The primary reason for the increase in core noninterest income was the addition of SBA consulting fees during the second quarter of 2016. On May 5, 2016, we completed the acquisition of a firm that specializes in consulting with financial institutions across the country related to Small Business Administration (“SBA”) loan origination and servicing. We recorded $0.7 million in SBA consulting fees from the date of the acquisition through June 30, 2016.

 

In 2016, we have also experienced an increase in commissions from financial product sales, which includes property and casualty insurance commissions. Property and casualty insurance commissions have increased due to the Company’s January 1, 2016 acquisition of Bankingport, Inc., an insurance agency located in Sanford, North Carolina.

 

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Fees from presold mortgages declined to $0.4 million for the second quarter of 2016 from $0.7 million in the second quarter of 2015. For the first half of 2016, fees from presold mortgages declined to $0.8 million from the $1.5 million recorded in the comparable period of 2015. These declines were due to fewer mortgage loan originations.

 

Noncore components of noninterest income resulted in a net decrease to income of $2.3 million in the second quarter of 2016 compared to a net decrease to income of $2.4 million in the second quarter of 2015. For the six months ended June 30, 2016 and 2015, we recorded net decreases to income of $4.6 million and $5.1 million, respectively, related to noncore components of noninterest income.

 

Noninterest Expenses

 

Noninterest expenses amounted to $26.1 million in the second quarter of 2016 compared to $24.3 million recorded in the second quarter of 2015. Noninterest expenses for the six months ended June 30, 2016 amounted to $50.9 million compared to $48.0 million recorded in the first half of 2015.

 

Salaries expense increased to $12.6 million in the second quarter of 2016 from the $11.6 million recorded in the second quarter of 2015. Salaries expense for the first half of 2016 amounted to $24.0 million compared to $23.1 million in 2015. The primary reason for increases in salaries expense is due to the aforementioned 2016 acquisitions of an insurance agency and an SBA consulting firm.

 

Employee benefits expense was $2.6 million in the second quarter of 2016 compared to $2.3 million in the second quarter of 2015. For the first six months of 2016, employee benefits expense amounted to $5.3 million compared to $4.5 million for the same period of 2015. The increases were primarily the result of a $0.1 million and a $0.5 million increase in employee health insurance expense during the three and six months ended June 30, 2016. We are self-insured for health care expense and have experienced unfavorable claim levels in 2016. Another factor impacting the increases is the acquisitions discussed above.

 

Merger and acquisition expenses amounted to $0.5 million and $0.7 million for the three and six months ended June 30, 2016, respectively, compared to none in the comparable periods in 2015.

 

Balance Sheet and Capital

 

Total assets at June 30, 2016 amounted to $3.5 billion, a 7.9% increase from a year earlier. Total loans at June 30, 2016 amounted to $2.6 billion, a 7.7% increase from a year earlier, and total deposits amounted to $2.9 billion at June 30, 2016, an 8.3% increase from a year earlier.

 

Non-covered loans increased to $2.52 billion at June 30, 2016, reflecting growth of $220.8 million, or 9.6% from June 30, 2015, as a result of ongoing internal initiatives to drive loan growth. Included in this increase is the reclassification of $17.7 million in loans from covered status to non-covered status in connection with the April 1, 2016 expiration of a loss share agreement. Loans covered by FDIC loss share agreements declined 31.1% over the past year and are expected to continue to decline as those loans continue to pay down.

 

The increase in total deposits at June 30, 2016 compared to June 30, 2015 was primarily due to increases in checking, money market and savings accounts, which increased in total by $251.8 million, or 13.0%, over the past year. Those increases were partially offset by net decreases in time deposits, which declined a total of $33.2 million, or 4.6%, over the past year. Time deposits are generally one of our most expensive funding sources, and thus the shift from this category benefitted our overall cost of funds.

 

We remain well-capitalized by all regulatory standards, with a Total Risk-Based Capital Ratio at June 30, 2016 of 14.10% compared to the 10.00% minimum to be considered well-capitalized. Our tangible common equity to tangible assets ratio was 8.18% at June 30, 2016, a decrease of six basis points from a year earlier.

 

Expiration of Loss-Share Agreement with the FDIC

 

Our loss-sharing agreement with the FDIC related to non-single family loans and foreclosed properties that were assumed in the failed bank acquisition of Bank of Asheville in 2011 expired on April 1, 2016. We bear all future losses on these assets, however, at present, management does not expect such losses will be materially in excess of related loan loss allowances. 80% of recoveries associated with prior charge-offs will continue to be shared with the FDIC until March 31, 2019.The following presents information related to these assets as of April 1, 2016, which were transferred to the “non-covered” categories on that date.

 

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As of April 1, 2016  
Loans outstanding: $17.7 million
Nonaccrual loans: $2.8 million
Troubled debt restructurings - accruing: None
Allowance for loan losses: $0.3 million
Foreclosed properties: $1.2 million

 

We continue to have two loss-sharing agreements with the FDIC in place. The next agreement that expires does so on July 1, 2019.

 

Note Regarding Components of Earnings

 

Our results of operation are significantly affected by the on-going accounting for two FDIC-assisted failed bank acquisitions. In the discussion above and elsewhere in this document, the term “covered” is used to describe assets included as part of FDIC loss share agreements, which generally result in the FDIC reimbursing the Company for 80% of losses incurred on those assets. The term “non-covered” refers to the Company’s legacy assets, which are not included in any type of loss share arrangement.

 

For covered loans that deteriorate in terms of repayment expectations, we record immediate allowances through the provision for loan losses. For covered loans that experience favorable changes in credit quality compared to what was expected at the acquisition date, including loans that payoff, we record positive adjustments to interest income over the life of the respective loan – also referred to as loan discount accretion. For covered foreclosed properties that are sold at gains or losses or that are written down to lower values, we record the gains/losses within noninterest income.

 

The adjustments discussed above are recorded within the income statement line items noted without consideration of the FDIC loss share agreements. Because favorable changes in covered assets result in lower expected FDIC claims, and unfavorable changes in covered assets result in higher expected FDIC claims, the FDIC indemnification asset is adjusted to reflect those expectations. The net increase or decrease in the indemnification asset is reflected within noninterest income.

 

The adjustments noted above can result in volatility within individual income statement line items. Because of the FDIC loss share agreements and the associated indemnification asset, pretax income resulting from amounts recorded as provisions for loan losses on covered loans, discount accretion, and losses from covered foreclosed properties is generally only impacted by 20% of these amounts due to the corresponding adjustments made to the indemnification asset.

 

Components of Earnings

 

Net interest income is the largest component of earnings, representing the difference between interest and fees generated from earning assets and the interest costs of deposits and other funds needed to support those assets. Net interest income for the three month period ended June 30, 2016 amounted to $31.5 million, an increase of $1.9 million, or 6.5%, from the $29.6 million recorded in the second quarter of 2015. Net interest income on a tax-equivalent basis for the three month period ended June 30, 2016 amounted to $32.1 million, an increase of $2.0 million, or 6.8%, from the $30.0 million recorded in the second quarter of 2015. We believe that analysis of net interest income on a tax-equivalent basis is useful and appropriate because it allows a comparison of net interest income amounts in different periods without taking into account the different mix of taxable versus non-taxable investments that may have existed during those periods.

 

   Three Months Ended June 30, 
($ in thousands)  2016   2015 
Net interest income, as reported  $31,538    29,605 
Tax-equivalent adjustment   517    402 
Net interest income, tax-equivalent  $32,055    30,007 

 

Page 48 

Net interest income for the six month period ended June 30, 2016 amounted to $61.7 million, an increase of $2.4 million, or 4.1%, from the $59.3 million recorded in the first half of 2015. Net interest income on a tax-equivalent basis for the six month period ended June 30, 2016 amounted to $62.7 million, an increase of $2.6 million, or 4.3%, from the $60.1 million recorded in the comparable period of 2015.

 

   Six Months Ended June 30, 
($ in thousands)  2016   2015 
Net interest income, as reported  $61,733    59,308 
Tax-equivalent adjustment   976    792 
Net interest income, tax-equivalent  $62,709    60,100 

 

There are two primary factors that cause changes in the amount of net interest income we record - 1) changes in our loans and deposits balances, and 2) our net interest margin (tax-equivalent net interest income divided by average interest-earning assets).

 

For the three and six months ended June 30, 2016, the higher net interest income compared to the same period of 2015 was due primarily to growth in loans outstanding and higher yields realized on investment securities (see discussion below).

 

The following table presents net interest income analysis on a tax-equivalent basis.

 

   For the Three Months Ended June 30, 
   2016   2015 
($ in thousands)  Average
Volume
   Average
Rate
   Interest
Earned
or Paid
   Average
Volume
   Average
Rate
   Interest
Earned
or Paid
 
Assets                              
Loans (1)  $2,565,791    4.83%   $30,809   $2,389,735    4.86%   $28,953 
Taxable securities   332,269    2.37%    1,961    309,589    2.16%    1,664 
Non-taxable securities (2)   49,941    7.64%    949    52,227    6.60%    859 
Short-term investments,
     principally federal funds
   116,958    0.61%    177    150,219    0.50%    186 
Total interest-earning assets   3,064,959    4.45%    33,896    2,901,770    4.38%    31,662 
                               
Cash and due from banks   57,335              64,518           
Premises and equipment   76,190              75,789           
Other assets   174,992              157,193           
   Total assets  $3,373,476             $3,199,270           
                               
Liabilities                              
Interest bearing checking  $582,980    0.06%   $94   $558,087    0.06%   $82 
Money market deposits   663,536    0.18%    290    572,458    0.12%    176 
Savings deposits   196,679    0.05%    25    183,828    0.05%    23 
Time deposits >$100,000   385,416    0.65%    622    416,962    0.70%    732 
Other time deposits   281,000    0.36%    255    328,375    0.40%    327 
     Total interest-bearing deposits   2,109,611    0.25%    1,286    2,059,710    0.26%    1,340 
Borrowings   186,614    1.20%    555    121,036    1.04%    315 
Total interest-bearing liabilities   2,296,225    0.32%    1,841    2,180,746    0.30%    1,655 
                               
Noninterest bearing checking   696,294              607,939           
Other liabilities   22,371              15,886           
Shareholders’ equity   358,586              394,699           
Total liabilities and
     shareholders’ equity
  $3,373,476             $3,199,270           
                               
Net yield on interest-earning
     assets and net interest income
        4.21%   $32,055         4.15%   $30,007 
Interest rate spread        4.13%              4.08%      
                               
Average prime rate        3.50%              3.25%      
(1) Average loans include nonaccruing loans, the effect of which is to lower the average rate shown.
(2)Includes tax-equivalent adjustments of $517,000 and $402,000 in 2016 and 2015, respectively, to reflect the tax benefit that we receive related to tax-exempt securities, which carry interest rates lower than similar taxable investments due to their tax exempt status. This amount has been computed assuming a 39% tax rate and is reduced by the related nondeductible portion of interest expense.

 

Page 49 

   For the Six Months Ended June 30, 
   2016   2015 
($ in thousands)  Average
Volume
   Average
Rate
   Interest
Earned
or Paid
   Average
Volume
   Average
Rate
   Interest
Earned
or Paid
 
Assets                        
Loans (1)  $2,547,054    4.77%   $60,382   $2,390,403    4.93%   $58,394 
Taxable securities   308,567    2.47%    3,784    296,552    2.06%    3,023 
Non-taxable securities (2)   50,646    7.36%    1,853    52,638    6.56%    1,712 
Short-term investments, principally federal funds   140,600    0.57%    399    166,658    0.46%    381 
Total interest-earning assets   3,046,867    4.38%    66,418    2,906,251    4.41%    63,510 
                               
Cash and due from banks   56,439              65,214           
Premises and equipment   75,950              75,733           
Other assets   173,728              149,722           
   Total assets  $3,352,984             $3,196,920           
                               
Liabilities                              
Interest bearing checking  $585,462    0.07%   $192   $560,468    0.06%   $164 
Money market deposits   656,925    0.17%    563    565,008    0.12%    341 
Savings deposits   193,284    0.05%    48    182,491    0.05%    45 
Time deposits >$100,000   391,583    0.65%    1,274    433,610    0.73%    1,579 
Other time deposits   286,077    0.37%    529    335,232    0.40%    669 
     Total interest-bearing deposits   2,113,331    0.25%    2,606    2,076,809    0.27%    2,798 
Borrowings   186,504    1.19%    1,103    118,715    1.04%    612 
Total interest-bearing liabilities   2,299,835    0.32%    3,709    2,195,524    0.31%    3,410 
                               
Noninterest bearing checking   677,317              591,502           
Other liabilities   21,797              16,458           
Shareholders’ equity   354,035              393,436           
Total liabilities and
shareholders’ equity
  $3,352,984             $3,196,920           
                               
Net yield on interest-earning
assets and net interest income
        4.14%   $62,709         4.17%   $60,100 
Interest rate spread        4.06%              4.10%      
                               
Average prime rate        3.50%              3.25%      
(1)Average loans include nonaccruing loans, the effect of which is to lower the average rate shown.
(2)Includes tax-equivalent adjustments of $976,000 and $792,000 in 2016 and 2015, respectively, to reflect the tax benefit that we receive related to tax-exempt securities, which carry interest rates lower than similar taxable investments due to their tax exempt status. This amount has been computed assuming a 39% tax rate and is reduced by the related nondeductible portion of interest expense.

 

Average loans outstanding for the second quarter of 2016 were $2.566 billion, which was $176 million, or 7.4%, higher than the average loans outstanding for the second quarter of 2015 ($2.390 billion). Average loans for the six months ended June 30, 2016 were $2.547 billion, which was 6.6% higher than the average loans outstanding for the six months ended June 30, 2015 ($2.390 billion). The higher amount of average loans outstanding in 2016 is due to loan growth initiatives including expansion into higher growth markets, improved loan demand in our market areas, as well as the hiring of several experienced bankers during 2015 and 2016.

 

The mix of our loan portfolio remained substantially the same at June 30, 2016 compared to December 31, 2015, with approximately 89% of our loans being real estate loans, 9% being commercial, financial, and agricultural loans, and the remaining 2% being consumer installment loans. The majority of our real estate loans are personal and commercial loans where real estate provides additional security for the loan.

 

Average total deposits outstanding for the second quarter of 2016 were $2.806 billion, which was $138 million, or 5.2%, higher than the average deposits outstanding for the second quarter of 2015 ($2.668 billion). Average deposits outstanding for the six months ended June 30, 2016 were $2.791 billion, which was 4.6% higher than the average deposits outstanding for the six months ended June 30, 2015 ($2.668 billion).

 

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Average transaction deposit accounts (noninterest bearing checking, interest bearing checking, money market and savings accounts) increased from $1.899 billion for the first six months of 2015 to $2.113 billion for the first six months of 2016, representing growth of $214 million, or 11.2%. With the growth of our transaction deposit accounts, we were able to further reduce our reliance on higher cost sources of funding, specifically time deposits. Average time deposits declined from $769 million for the first six months of 2015 to $678 million for the first six months of 2016, a decrease of $91 million, or 11.9%. Average borrowings increased from $119 million for the first half of 2015 to $187 million for the first half of 2016, which helped support loan growth. Although the favorable change in our deposit funding mix benefitted our cost of funds by approximately two basis points in the first half of 2016, the benefit was offset by the increased costs associated with our increased borrowings. Our cost of funds, which includes noninterest bearing checking accounts at a zero percent cost, was 0.25% in both the first six months of 2016 and 2015.

 

See additional information regarding changes in our loans and deposits in the section below entitled “Financial Condition.”

 

Our net interest margin (tax-equivalent net interest income divided by average earning assets) for the second quarter of 2016 was 4.21% compared to 4.15% for the second quarter of 2015. The higher margin was primarily due to higher amounts of discount accretion on loans purchased in failed-bank acquisitions (see discussion below). Also, in the second quarter of 2016, we realized $332,000 in previously foregone interest related to the payoff of two loans that had been on nonaccrual basis. For the six month period ended June 30, 2016, our net interest margin was 4.14% compared to 4.17% for the same period in 2015. The lower margin was primarily due to lower loan yields, which have been impacted by the continued low interest rate environment.

 

Our net interest margin benefitted from the net accretion of purchase accounting premiums/discounts associated with the Cooperative acquisition that occurred in June 2009 and, to a lesser degree, the acquisition of The Bank of Asheville in January 2011. For the three months ended June 30, 2016 and 2015, we recorded $1,676,000 and $1,135,000, respectively, in net accretion of purchase accounting premiums/discounts that increased net interest income. For the six months ended June 30, 2016 and 2015, we recorded $2,731,000 and $2,692,000, respectively, in net accretion of purchase accounting premiums/discounts. The increase in discount accretion recorded in 2016 was due to the second quarter of 2016 payoff of two loans with unaccreted discounts totaling $681,000 that had been on nonaccrual basis. Upon payoff, all remaining unaccreted discount was recorded as discount accretion interest income. Notwithstanding that variance, the unaccreted discount amount that resulted from the failed-bank acquisitions is generally continuing to wind down. Unaccreted loan discount has declined from $17.6 million at June 30, 2015 to $12.4 million at June 30, 2016.

 

See additional information regarding net interest income in the section entitled “Interest Rate Risk.”

 

We recorded a total negative provision for loan losses of $0.3 million for the second quarter of 2016 compared to a total provision for loan losses of $0.8 million for the second quarter of 2015. For the six months ended June 30, 2016, we recorded a total negative provision for loan losses of $23,000 compared to a total provision for loan losses of $0.7 million for the same period of 2015.

 

The provision for loan losses on non-covered loans amounted to $0.5 million in the second quarter of 2016 compared to $1.0 million in the second quarter of 2015. The lower provision in 2016 primarily resulted from improved asset quality, including lower net loan charge-offs and a decline in nonperforming assets. For the first six months of 2016, the provision for loan losses on non-covered loans amounted to $2.1 million compared to $1.1 million for the same period of 2015. In 2015, a prolonged period of stable and improving loan quality trends resulted in a minimal amount of provision for loan losses that was needed to adjust the our allowance for loan losses to the appropriate amount. See additional discussion below in the section titled “Summary of Loan Loss Experience.”

 

We recorded a negative provision for loan losses on covered loans (reduction of allowance for loan losses) of $0.8 million in the second quarter of 2016 compared to a $0.2 million negative provision for loan losses in the second quarter of 2015. For the six months ended June 30, 2016, we recorded a negative provision for loan losses on covered loans of $2.1 million compared to a $0.4 million negative provision for loan losses in the comparable period of 2015. The increase in the negative provisions in 2016 resulted primarily from higher net loan recoveries (recoveries, net of charge-offs) realized during the period.

 

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Total noninterest income was $5.9 million in the second quarter of 2016 compared to $5.0 million for the second quarter of 2015. For the six months ended June 30, 2016, noninterest income amounted to $10.9 million compared to $9.5 million for the six months ended June 30, 2015.

 

As presented in the table below, core noninterest income for the second quarter of 2016 was $8.2 million, an increase of 10.1% from the $7.4 million reported for the second quarter of 2015. For the first six months of 2016, core noninterest income amounted to $15.5 million, a 6.2% increase from the $14.6 million recorded in the comparable period of 2015. Core noninterest income includes i) service charges on deposit accounts, ii) other service charges, commissions, and fees, iii) fees from presold mortgages, iv) commissions from financial product sales, v) SBA consulting fees and vi) bank-owned life insurance income.

 

The following table presents our core noninterest income for the three and six month periods ending June 30, 2016 and 2015, respectively.

 

   For the Three Months Ended   For the Six Months Ended 
$ in thousands  June 30, 2016   June 30, 2015   June 30, 2016   June 30, 2015 
                 
Service charges on deposit accounts  $2,565    2,881    5,250    5,773 
Other service charges, commissions, and fees   3,043    2,771    5,873    5,313 
Fees from presold mortgages   410    731    781    1,539 
Commissions from sales of insurance and financial products   937    665    1,875    1,226 
SBA consulting fees   720        720     
Bank-owned life insurance income   504    383    1,012    754 
     Core noninterest income  $8,179    7,431    15,511    14,605 
                     

As shown in the table above, service charges on deposit accounts decreased from $2.9 million in the second quarter of 2015 to $2.6 million in the second quarter of 2016. For the six months ended June 30, 2016, service charges on deposit accounts amounted to $5.3 million, which is a $0.5 million decrease from the $5.8 million recorded in the comparable period of 2015. Fewer instances of fees earned from customers overdrawing their accounts have impacted this line item, as well as more customers meeting the requirements to have the monthly services charges waived on their checking accounts.

 

Other service charges, commissions, and fees increased in 2016 compared to 2015, primarily as a result of higher debit card and credit card interchange fees. We earn a small fee each time a customer uses a debit card to make a purchase. Due to the growth in checking accounts and increased customer usage of debit cards, we have experienced increases in this line item. Interchange income from credit cards has also increased due to growth in the number and usage of credit cards, which we believe is a result of increased promotion of this product.

 

Fees from presold mortgages declined to $0.4 million for the second quarter of 2016 from $0.7 million in the second quarter of 2015. For the first half of 2016, fees from presold mortgages declined to $0.8 million from the $1.5 million recorded in the comparable period of 2015. These declines were due to fewer mortgage loan originations.

 

Commissions from sales of insurance and financial products amounted to approximately $0.9 million and $0.7 million for the second quarters of 2016 and 2015, respectively. For the six months ended June 30, 2016, commissions from sales of insurance and financial products amounted to $1.9 million compared to $1.2 million in the comparable period of 2015. This line item includes property and casualty insurance commissions, which have increased due to our January 1, 2016 acquisition of Bankingport, Inc., an insurance agency located in Sanford, North Carolina. See Note 15 to the consolidated financial statements for additional information.

 

The primary reason for the increases in core noninterest income for the three and six months ended June 30, 2016 was the addition of SBA consulting fees during the second quarter of 2016. On May 5, 2016, we completed the acquisition of a firm that specializes in consulting with financial institutions across the country related to Small Business Administration (“SBA”) loan origination and servicing. We recorded $0.7 million in SBA consulting fees from the date of the acquisition through June 30, 2016.

 

Bank-owned life insurance income increased from $0.4 million in the second quarter of 2015 to $0.5 million in the second quarter of 2016. For the six months ended June 30, 2016, bank-owned life insurance income amounted to $1.0 million compared to $0.8 million for the six months ended June 30, 2015. In the fourth quarter of 2015, we purchased $15 million in additional bank owned life insurance, which has resulted in increased income since the purchase.

 

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Within the noncore components of noninterest income, we recorded net losses on non-covered foreclosed properties of $0.6 million in each of the three months ended June 30, 2016 and 2015, and net losses of $0.8 million and $1.1 million for the six months ended June 30, 2016 and 2015, respectively. Gains on covered foreclosed properties were $0.4 million for the three months ended June 30, 2016 compared to gains of $0.3 million recorded for the comparable period of 2015. For the six months ended June 30, 2016 and 2015, gains on covered foreclosed properties were $0.9 million and $0.5 million, respectively. Losses on non-covered and covered foreclosed properties have generally declined as a result of significantly lower levels of foreclosed properties held by the Company and stabilization in property values.

 

Indemnification asset income (expense) is recorded to reflect additional (decreased) amounts expected to be received from the FDIC related to covered assets. The three primary items that result in recording indemnification asset income (expense) are 1) income from loan discount accretion, which results in indemnification expense, 2) provisions (reversals) for loan losses on covered loans, which result in indemnification income (or expense for reversals of provision) and 3) foreclosed property gains (losses) on covered assets, which also result in indemnification expense (income). In the second quarter of 2016, we recorded $2.2 million in indemnification asset expense compared to $1.8 million in indemnification asset expense in the second quarter of 2015. For the six months ended June 30, 2016, indemnification asset expense amounted to $4.5 million compared to $4.2 million in indemnification asset expense for the same period of 2015, as shown in the following table:

 

($ in millions)  For the Three Months
Ended
   For the Six Months
Ended
 
   June 30,
2016
   June 30,
2015
   June 30,
2016
   June 30,
2015
 
                 
Indemnification asset expense associated with loan discount accretion income  $(1.0)   (1.4)   (2.0)   (3.2)
Indemnification asset income (expense) associated with loan losses (recoveries), net   (0.6)   (0.2)   (1.6)   (0.7)
Indemnification asset income (expense) associated with foreclosed property losses (gains), net   (0.4)   (0.2)   (0.7)   (0.4)
Other sources of indemnification asset income (expense)   (0.2)       (0.2)   0.1 
Total indemnification asset income (expense)  $(2.2)   (1.8)   (4.5)   (4.2)

 

Noninterest expenses amounted to $26.1 million in the second quarter of 2016 compared to $24.3 million recorded in the second quarter of 2015. Noninterest expenses for the six months ended June 30, 2016 amounted to $50.9 million compared to $48.0 million recorded in the first half of 2015.

 

Salaries expense increased to $12.6 million in the second quarter of 2016 from the $11.6 million recorded in the second quarter of 2015. Salaries expense for the first half of 2016 amounted to $24.0 million compared to $23.1 million in 2015. The primary reason for increases in salaries expense is due to the aforementioned 2016 acquisitions of an insurance agency and an SBA consulting firm.

 

Employee benefits expense was $2.6 million in the second quarter of 2016 compared to $2.3 million in the second quarter of 2015. For the first six months of 2016, employee benefits expense amounted to $5.3 million compared to $4.5 million for the same period of 2015. The increases were primarily the result of a $0.1 million and a $0.5 million increase in employee health insurance expense during the three and six months ended June 30, 2016. We are self-insured for health care expense and has experienced unfavorable claim levels in 2016. Another factor impacting the increases is the acquisitions discussed above.

 

The combined amount of occupancy and equipment expense did not vary significantly when comparing 2016 to 2015, amounting to $2.8 million in each of the second quarters of 2016 and 2015 and $5.6 million in each of the first six months of 2016 and 2015.

 

Merger and acquisition expenses amounted to $0.5 million and $0.7 million for the three and six months ended June 30, 2016, respectively, compared to none in the comparable periods in 2015.

 

Other operating expenses amounted to $7.5 million for each of the second quarters of 2016 and 2015, and $14.9 million in the first half of 2016 compared to $14.5 million in the first half of 2015. The increase was primarily due to higher credit card and debit card fraud losses in 2016.

 

For the second quarter of 2016, the provision for income taxes was $4.0 million, an effective tax rate of 34.1%, compared to $3.2 million for the same period of 2015, which is also an effective tax rate of 34.1%. For the first six months of 2016, the provision for income taxes was $7.3 million, an effective tax rate of 33.5%, compared to $6.9 million for the same period of 2015, which was an effective tax rate of 34.3%. Higher levels of tax-exempt loans and bank-owned life insurance, as well as a 100 basis point reduction in the statutory corporate tax rate in North Carolina, contributed to the lower effective tax rate for the six month period comparison. Certain nondeductible merger and acquisition expenses recorded during the second quarter of 2016 offset the lower effective tax rate for the three month period.

 

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We accrued total preferred stock dividends of $0.1 million and $0.2 million in the three month periods ended June 30, 2016 and 2015, respectively, and $0.1 million and $0.4 million in the six month periods ended June 30, 2016 and 2015, respectively. The decrease in 2016 is due to our 2015 redemption of preferred stock associated with our prior participation in the U.S. Treasury’s Small Business Lending Fund.

 

The Consolidated Statements of Comprehensive Income reflect other comprehensive income of $1.3 million during the second quarter of 2016 compared to other comprehensive loss of $614,000 during the second quarter of 2015. During the six months ended June 30, 2016 and 2015, we recorded other comprehensive income of $1.8 million and other comprehensive loss of $481,000, respectively. The primary component of other comprehensive income for the periods presented was changes in unrealized holding gains (losses) of our available for sale securities. Our available for sale securities portfolio is predominantly comprised of fixed rate bonds that generally increase in value when market yields for fixed rate bonds decrease, which has occurred in 2016. Management has evaluated any unrealized losses on individual securities at each period end and determined that there is no other-than-temporary impairment.

 

 

 

Page 54 

FINANCIAL CONDITION

 

Total assets at June 30, 2016 amounted to $3.47 billion, a 7.9% increase from a year earlier. Total loans at June 30, 2016 amounted to $2.60 billion, a 7.7% increase from a year earlier, and total deposits amounted to $2.87 billion, an 8.3% increase from a year earlier.

 

The following table presents information regarding the nature of changes in our levels of loans and deposits for the twelve months ended June 30, 2016 and for the first half of 2016.

 

July 1, 2015 to
June 30, 2016
  Balance at
beginning
of period
   Internal
Growth,
net
   Transfer
due to
Expiration
of Loss
Share
Agreement
   Balance at
end of
period
   Total
percentage
growth
   Internal
percentage
growth
 
         
         
Loans – Non-covered  $2,298,955    203,055    17,737    2,519,747    9.6%    8.8% 
Loans – Covered   113,824    (17,700)   (17,737)   78,387    -31.1%    -15.6% 
     Total loans   2,412,779    185,355        2,598,134    7.7%    7.7% 
                               
Deposits – Noninterest bearing checking   614,619    95,268        709,887    15.5%    15.5% 
Deposits – Interest bearing checking   553,918    82,398        636,316    14.9%    14.9% 
Deposits – Money market   576,360    61,765        638,125    10.7%    10.7% 
Deposits – Savings   184,786    12,659        197,445    6.9%    6.9% 
Deposits – Brokered   58,534    36,708        95,242    62.7%    62.7% 
Deposits – Time>$100,000   342,024    (22,757)       319,267    -6.7%    -6.7% 
Deposits – Time<$100,000   322,886    (47,148)       275,738    -14.6%    -14.6% 
     Total deposits  $2,653,127    218,893        2,872,020    8.3%    8.3% 

 

                         
January 1, 2016 to
June 30, 2016
                        
Loans – Non-covered  $2,416,285    85,725    17,737    2,519,747    4.3%    3.5% 
Loans – Covered   102,641    (6,517)   (17,737)   78,387    -23.6%    -6.3% 
     Total loans   2,518,926    79,208        2,598,134    3.1%    3.1% 
                               
Deposits – Noninterest bearing checking   659,038    50,849        709,887    7.7%    7.7% 
Deposits – Interest bearing checking   626,878    9,438        636,316    1.5%    1.5% 
Deposits – Money market   636,692    1,433        638,125    0.2%    0.2% 
Deposits – Savings   186,616    10,829        197,445    5.8%    5.8% 
Deposits – Brokered   76,412    18,830        95,242    24.6%    24.6% 
Deposits – Time>$100,000   329,819    (10,552)       319,267    -3.2%    -3.2% 
Deposits – Time<$100,000   295,830    (20,092)       275,738    -6.8%    -6.8% 
     Total deposits  $2,811,285    60,735        2,872,020    2.2%    2.2% 

 

As derived from the table above, for the twelve months preceding June 30, 2016, our total loans increased $185 million, or 7.7%. Internal non-covered loan growth was $203 million, or 8.8%, for the twelve months ended June 30, 2016, while our covered loans declined by $18 million, or 15.6% (excluding the transfer from covered to non-covered). For the first six months of 2016, we experienced internal growth in our non-covered loan portfolio of $86 million, which is 3.5% increase, or 7.0% on an annualized basis, while covered loans declined $7 million (excluding the transfer) during that same period. We expect continued growth in our non-covered loan portfolio in 2016, as we have recently expanded into higher growth market areas, and we had experienced bankers join our company over the past one to two years. We expect our covered loans to continue to decline as a result of normal pay-downs, foreclosures, and charge-offs.

 

As previously discussed, on April 1, 2016, we transferred $17.7 million in loans from “covered” to “non-covered” as a result of the expiration of a loss-share agreement with the FDIC.

 

The mix of our loan portfolio remains substantially the same at June 30, 2016 compared to December 31, 2015. The majority of our real estate loans are personal and commercial loans where real estate provides additional security for the loan.

 

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Note 7 to the consolidated financial statements presents additional detailed information regarding our mix of loans, including a break-out between loans covered by FDIC loss share agreements and non-covered loans. Additionally, the section above titled “FDIC Indemnification Asset” contains detail of our covered loans and foreclosed properties segregated by each of the two remaining loss share agreements.

 

For both the six and twelve month periods ended June 30, 2016, we experienced net increases in total deposits, with growth in transaction account balances (checking, money market, and savings) offsetting the declines in time deposits. Due to the low interest rate environment, some of our customers are shifting their funds from time deposits into transaction accounts, which do not pay a materially lower interest rate, while being more liquid. In 2016, we have increased our brokered deposit balances in order to help fund loan growth.

 

Nonperforming Assets

 

Nonperforming assets include nonaccrual loans, troubled debt restructurings, loans past due 90 or more days and still accruing interest, nonperforming loans held for sale, and foreclosed real estate. As previously discussed, as a result of two FDIC-assisted transactions, we entered into loss share agreements that afford us significant protection from losses from all loans and foreclosed real estate acquired in those acquisitions.

 

Because of the loss protection provided by the FDIC, the financial risk of the acquired loans and foreclosed real estate is significantly different from the risk associated with assets not covered under the loss share agreements. Accordingly, we present separately nonperforming assets subject to the loss share agreements as “covered” nonperforming assets, and nonperforming assets that are not subject to the loss share agreements as “non-covered.”

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Nonperforming assets are summarized as follows:

 

 

 

ASSET QUALITY DATA ($ in thousands)

  As of/for the six
months ended
June 30, 2016
   As of/for the year
ended December
31, 2015
   As of/for the
six months ended
June 30, 2015
 
             
Non-covered nonperforming assets               
   Nonaccrual loans  $33,781    39,994    44,123 
   Restructured loans – accruing   25,826    28,011    32,059 
   Accruing loans >90 days past due            
      Total non-covered nonperforming loans   59,607    68,005    76,182 
   Foreclosed real estate   10,221    9,188    9,954 
          Total non-covered nonperforming assets  $69,828    77,193    86,136 
                
Covered nonperforming assets (1)               
   Nonaccrual loans  $4,194    7,816    7,378 
   Restructured loans – accruing   3,445    3,478    3,910 
   Accruing loans > 90 days past due            
      Total covered nonperforming loans   7,639    11,294    11,288 
   Foreclosed real estate   385    806    1,945 
          Total covered nonperforming assets  $8,024    12,100    13,233 
                
Total nonperforming assets  $77,852    89,293    99,369 
                
Asset Quality Ratios – All Assets               
Net charge-offs to average loans - annualized   0.20%    0.46%    0.78% 
Nonperforming loans to total loans   2.59%    3.15%    3.63% 
Nonperforming assets to total assets   2.25%    2.66%    3.09% 
Allowance for loan losses to total loans   1.00%    1.13%    1.33% 
Allowance for loan losses to nonperforming loans   38.70%    36.04%    36.69% 
                
Asset Quality Ratios – Based on Non-covered Assets only               
Net charge-offs to average non-covered loans - annualized   0.35%    0.58%    0.83% 
Non-covered nonperforming loans to non-covered loans   2.37%    2.81%    3.31% 
Non-covered nonperforming assets to total non-covered assets   2.06%    2.37%    2.78% 
Allowance for loan losses to non-covered loans   0.99%    1.11%    1.31% 
Allowance for loan losses to non-covered nonperforming loans   41.86%    39.39%    39.58% 

 

(1) Covered nonperforming assets consist of assets that are included in loss share agreements with the FDIC.

 

We have reviewed the collateral for our nonperforming assets, including nonaccrual loans, and have included this review among the factors considered in the evaluation of the allowance for loan losses discussed below.

 

Consistent with the weak economy experienced in much of our market associated with the onset of the recession in 2008, we experienced higher levels of loan losses, delinquencies and nonperforming assets compared to our historical averages. While economic conditions have improved recently and our asset quality has steadily improved, we continue to have elevated levels of nonperforming assets.

 

At June 30, 2016, total nonaccrual loans (covered and non-covered) amounted to $38.0 million, compared to $47.8 million at December 31, 2015 and $51.5 million at June 30, 2015. Non-covered nonaccrual loans were $33.8 million, $40.0 million, and $44.1 million at June 30, 2016, December 31, 2015 and June 30, 2015, respectively. Nonaccrual loans have steadily declined in recent years as our local economies have improved, and we continue to focus on resolving our problem assets.

 

As previously disclosed, on April 1, 2016, we transferred $2.8 million of covered nonaccrual loans and $1.2 million of covered foreclosed real estate to non-covered status due to the scheduled expiration of one of our loss share agreements with the FDIC.

 

“Restructured loans – accruing”, or troubled debt restructurings (TDRs), are accruing loans for which we have granted concessions to the borrower as a result of the borrower’s financial difficulties. At June 30, 2016, total TDRs (covered and non-covered) amounted to $29.3 million, compared to $31.5 million at December 31, 2015 and $36.0 million at June 30, 2015.

 

Page 57 

Foreclosed real estate includes primarily foreclosed properties. Non-covered foreclosed real estate amounted to $10.2 million at June 30, 2016, $9.2 million at December 31, 2015, and $10.0 million at June 30, 2015. The increase from December 31, 2015 to June 30, 2016 was the result of the aforementioned transfer of $1.2 million in foreclosed property from covered status to non-covered status on April 1, 2016. The decrease from June 30, 2015 to December 31, 2015 was the result of sales activity during the period and the improvement in our overall asset quality.

 

At June 30, 2016, we also held $0.4 million in foreclosed real estate that is subject to the loss share agreements with the FDIC, compared to $0.8 million at December 31, 2015 and $1.9 million at June 30, 2015. The decrease from December 31, 2015 to June 30, 2016 was due to the transfer discussed above. The decline from June 30, 2015 to December 31, 2015 is primarily due to increased property sales activity, particularly along the North Carolina coast, which is where most of our covered foreclosed properties are located.

 

The following is the composition, by loan type, of all of our nonaccrual loans (covered and non-covered) at each period end, as classified for regulatory purposes:

 

($ in thousands)  At June 30,
2016
   At December 31,
2015
   At June 30,
2015
 
Commercial, financial, and agricultural  $2,870    2,964    3,138 
Real estate – construction, land development, and other land loans   4,154    4,704    7,172 
Real estate – mortgage – residential (1-4 family) first mortgages   21,156    23,829    23,174 
Real estate – mortgage – home equity loans/lines of credit   2,759    3,525    3,439 
Real estate – mortgage – commercial and other   6,821    12,571    14,191 
Installment loans to individuals   215    217    387 
   Total nonaccrual loans  $37,975    47,810    51,501 
                

 

The following segregates our nonaccrual loans at June 30, 2016 into covered and non-covered loans, as classified for regulatory purposes:

 

($ in thousands)  Covered
Nonaccrual
Loans
   Non-covered
Nonaccrual
Loans
   Total
Nonaccrual
Loans
 
Commercial, financial, and agricultural  $    2,870    2,870 
Real estate – construction, land development, and other land loans       4,154    4,154 
Real estate – mortgage – residential (1-4 family) first mortgages   3,841    17,315    21,156 
Real estate – mortgage – home equity loans/lines of credit   353    2,406    2,759 
Real estate – mortgage – commercial and other       6,821    6,821 
Installment loans to individuals       215    215 
   Total nonaccrual loans  $4,194    33,781    37,975 

 

The following segregates our nonaccrual loans at December 31, 2015 into covered and non-covered loans, as classified for regulatory purposes:

 

($ in thousands)  Covered
Nonaccrual
Loans
   Non-covered
Nonaccrual
Loans
   Total
Nonaccrual
Loans
 
Commercial, financial, and agricultural  $    2,964    2,964 
Real estate – construction, land development, and other land loans   52    4,652    4,704 
Real estate – mortgage – residential (1-4 family) first mortgages   5,007    18,822    23,829 
Real estate – mortgage – home equity loans/lines of credit   383    3,142    3,525 
Real estate – mortgage – commercial and other   2,374    10,197    12,571 
Installment loans to individuals       217    217 
   Total nonaccrual loans  $7,816    39,994    47,810 

 

Among non-covered loans, the tables above indicate decreases in most categories of non-covered nonaccrual loans. The decreases reflect stabilization in most of our market areas and our increased focus on the resolution of our nonperforming assets.

 

Page 58 

We believe that the fair values of the items of foreclosed real estate, less estimated costs to sell, equal or exceed their respective carrying values at the dates presented. The following table presents the detail of all of our foreclosed real estate at each period end (covered and non-covered):

 

($ in thousands)  At June 30, 2016   At December 31, 2015   At June 30, 2015 
Vacant land  $3,644    3,867    4,414 
1-4 family residential properties   3,841    3,789    3,965 
Commercial real estate   3,121    2,338    3,520 
   Total foreclosed real estate  $10,606    9,994    11,899 

 

The following segregates our foreclosed real estate at June 30, 2016 into covered and non-covered:

 

($ in thousands)  Covered Foreclosed
Real Estate
   Non-covered
Foreclosed Real Estate
   Total Foreclosed
Real Estate
 
Vacant land  $114    3,530    3,644 
1-4 family residential properties   172    3,669    3,841 
Commercial real estate   99    3,022    3,121 
   Total foreclosed real estate  $385    10,221    10,606 

 

The following segregates our foreclosed real estate at December 31, 2015 into covered and non-covered:

 

($ in thousands)  Covered Foreclosed
Real Estate
   Non-covered
Foreclosed Real Estate
   Total Foreclosed
Real Estate
 
Vacant land  $277    3,590    3,867 
1-4 family residential properties   247    3,542    3,789 
Commercial real estate   282    2,056    2,338 
   Total foreclosed real estate  $806    9,188    9,994 

 

Page 59 

The following table presents geographical information regarding our nonperforming assets at June 30, 2016.

 

   As of June 30, 2016 
($ in thousands)  Covered   Non-covered   Total   Total Loans   Nonperforming
Loans to Total
Loans
 
                     

Nonaccrual loans and Troubled Debt Restructurings (1)

                         
Eastern Region (NC)  $7,465    12,830    20,295   $694,000    2.9% 
Triangle Region (NC)       16,200    16,200    792,000    2.0% 
Triad Region (NC)       13,149    13,149    326,000    4.0% 
Charlotte Region (NC)       1,863    1,863    102,000    1.8% 
Southern Piedmont Region (NC)   37    5,950    5,987    286,000    2.1% 
Western Region (NC)   113    1,008    1,121    85,000    1.3% 
South Carolina Region   24    2,253    2,277    124,000    1.8% 
Virginia Region       6,354    6,354    171,000    3.7% 
Other               18,000    0.0% 
          Total nonaccrual loans and troubled debt restructurings  $7,639    59,607    67,246   $2,598,000    2.6% 
                          
Foreclosed Real Estate (1)                         
Eastern Region (NC)  $385    569    954           
Triangle Region (NC)       3,789    3,789           
Triad Region (NC)       772    772           
Charlotte Region (NC)       734    734           
Southern Piedmont Region (NC)       1,287    1,287           
Western Region (NC)       1,370    1,370           
South Carolina Region       485    485           
Virginia Region       1,215    1,215           
Other                      
          Total foreclosed real estate   385    10,221    10,606           

 

(1)The counties comprising each region are as follows:

Eastern North Carolina Region - New Hanover, Brunswick, Duplin, Dare, Beaufort, Pitt, Onslow, Carteret

Triangle North Carolina Region - Moore, Lee, Harnett, Chatham, Wake

Triad North Carolina Region - Montgomery, Randolph, Davidson, Rockingham, Guilford, Stanly

Charlotte North Carolina Region - Iredell, Cabarrus, Rowan, Mecklenburg

Southern Piedmont North Carolina Region - Anson, Richmond, Scotland, Robeson, Bladen, Columbus, Cumberland

Western North Carolina Region - Buncombe

South Carolina Region - Chesterfield, Dillon, Florence

Virginia Region - Wythe, Washington, Montgomery, Roanoke

 

 

With the completion of the branch exchange with First Community Bank on July 15, 2016, we sold our seven branches in the Virginia Region and acquired four additional branches in the Triad Region and two in the Charlotte Region.

 

Summary of Loan Loss Experience

 

The allowance for loan losses is created by direct charges to operations (known as a “provision for loan losses” for the period in which the charge is taken). Losses on loans are charged against the allowance in the period in which such loans, in management’s opinion, become uncollectible. The recoveries realized during the period are credited to this allowance.

 

We have no foreign loans, few agricultural loans and do not engage in significant lease financing or highly leveraged transactions. Commercial loans are diversified among a variety of industries. The majority of our real estate loans are primarily personal and commercial loans where real estate provides additional security for the loan. Collateral for virtually all of these loans is located within our principal market area.

 

The weak economic environment that began in 2008 resulted in elevated levels of classified and nonperforming assets, which has generally led to higher provisions for loan losses compared to historical averages. While we are seeing the ongoing signs of a recovering economy in most of our market areas, it has been a gradual improvement. Although we continue to have an elevated level of past due and adversely classified assets compared to historic averages, we believe the severity of the loss rate inherent in our current inventory of classified loans is less than in recent years.

 

We recorded a total negative provision for loan losses (reduction of the allowance for loan losses) of $0.3 million in the second quarter of 2016 compared to a total provision for loan losses of $0.8 million in the second quarter of 2015. For the six months ended June 30, 2016, we recorded a total negative provision for loan losses of $23,000 compared to a total provision for loan losses of $0.7 million in the same period of 2015. The total provision for loan losses is comprised of provisions for loan losses for non-covered loans and provisions for loan losses for covered loans, as discussed in the following paragraphs.

 

Page 60 

The provision for loan losses on non-covered loans amounted to $0.5 million and $1.0 million in the second quarters of 2016 and 2015, respectively. The lower provision in 2016 primarily resulted from improved asset quality in 2016 compared to 2015, including lower net-charge offs, and improvement in classified and nonperforming assets.

 

The provision for loan losses on non-covered loans amounted to $2.1 million and $1.1 million for the first half of 2016 and 2015, respectively. In 2015, a prolonged period of stable and improving loan quality trends resulted in a minimal amount of provision for loan losses that was needed to adjust our allowance for loan losses to the appropriate amount. This was because our allowance for loan loss model utilizes the net charge-offs experienced in the most recent years as a significant component of estimating the current allowance for loan losses that is necessary. Thus, older years (and parts thereof) systematically age out and are excluded from the analysis as time goes on. In 2015, periods of high net charge-offs we experienced during the peak of the recession dropped out of the analysis and were replaced by the more modest levels of net charge-offs recently experienced. This had the impact of bringing our overall allowance for loan loss level down to a more normalized level following the elevated amounts we maintained during and immediately following the recession. Beginning in the first quarter of 2016, the periods aging out of the analysis are more similar to recent periods, and thus we expect our provision for loan losses to correlate more closely with loan growth, charge-offs and other changes in overall loan quality.

 

Non-covered loan growth, excluding the transfer of $17 million in loans from covered to non-covered status, for the first six months of 2016 was $86 million compared to only $30 million in growth for the six months ended June 30, 2015, which resulted in an incremental provision for the loan losses attributable to loan growth. As it relates to asset quality trends, as shown in a table within Note 7 to the consolidated financial statements, our total non-covered classified and nonaccrual loans decreased from $102 million at December 31, 2015 to $95 million at June 30, 2016.

 

We recorded negative provisions for loan losses on covered loans of $0.8 million and $0.2 million in the second quarter of 2016 and 2015, respectively, and $2.1 million and $0.4 million in the first six months of 2016 and 2015, respectively. The increase in the negative provision in 2016 resulted from lower levels of covered nonperforming loans, declining levels of total covered loans and $1.7 million in net loan recoveries (recoveries, net of charge-offs) compared to net recoveries of $0.1 million that were realized during the first half of 2016 and 2015, respectively.

 

For the first six months of 2016, we recorded $2.5 million in net charge-offs, compared to $9.2 million for the comparable period of 2015. The net charge-offs in 2016 included $1.7 million of net covered loan recoveries and $4.3 million of net non-covered loan charge-offs, whereas in 2015 net charge-offs included $0.1 million of net covered loan recoveries and $9.3 million in net charge-offs of non-covered loans.

 

The allowance for loan losses amounted to $26.0 million at June 30, 2016, compared to $28.6 million at December 31, 2015 and $32.1 million at June 30, 2015. The allowance for loan losses for non-covered loans was $24.9 million, $26.8 million, and $30.2 million at June 30, 2016, December 31, 2015, and June 30, 2015 respectively. The ratio of our allowance for non-covered loans to total non-covered loans has declined from 1.31% at June 30, 2015 to 0.99% at June 30, 2016 as a result of the factors discussed above that impacted our provision for loan losses on non-covered loans.

 

At June 30, 2016, December 31, 2015, and June 30, 2015, the allowance for loan losses attributable to covered loans was $1.1 million, $1.8 million, and $1.9 million, respectively. Our total covered loan portfolio continues to decline as these portfolios wind down. Also, the decline from December 31, 2015 to June 30, 2016 was impacted by the April 1, 2016 transfer of $0.3 million in allowance for loan losses from covered status to non-covered status in connection with the expiration of one of our loss sharing agreements on March 31, 2016, as discussed above.

 

We believe our reserve levels are adequate to cover probable loan losses on the loans outstanding as of each reporting date. It must be emphasized, however, that the determination of the reserve using our procedures and methods rests upon various judgments and assumptions about economic conditions and other factors affecting loans. No assurance can be given that we will not in any particular period sustain loan losses that are sizable in relation to the amounts reserved or that subsequent evaluations of the loan portfolio, in light of conditions and factors then prevailing, will not require significant changes in the allowance for loan losses or future charges to earnings. See “Critical Accounting Policies – Allowance for Loan Losses” above.

 

Page 61 

In addition, various regulatory agencies, as an integral part of their examination process, periodically review our allowance for loan losses and value of other real estate. Such agencies may require us to recognize adjustments to the allowance or the carrying value of other real estate based on their judgments about information available at the time of their examinations.

 

For the periods indicated, the following table summarizes our balances of loans outstanding, average loans outstanding, changes in the allowance for loan losses arising from charge-offs and recoveries, and additions to the allowance for loan losses that have been charged to expense.

 

 

($ in thousands)  Six Months
Ended
June 30,
   Twelve Months
Ended
December 31,
   Six Months
Ended
June 30,
 
   2016   2015   2015 
Loans outstanding at end of period  $2,598,134    2,518,926    2,412,779 
Average amount of loans outstanding  $2,547,054    2,434,602    2,390,403 
                
Allowance for loan losses, at beginning of year  $28,583    40,626    40,626 
Provision (reversal) for loan losses   (23)   (780)   677 
    28,560    39,846    41,303 
Loans charged off:               
Commercial, financial, and agricultural   (778)   (3,039)   (2,412)
Real estate – construction, land development & other land loans   (476)   (3,616)   (2,554)
Real estate – mortgage – residential (1-4 family) first mortgages   (2,770)   (5,145)   (2,375)
Real estate – mortgage – home equity loans / lines of credit   (775)   (1,117)   (638)
Real estate – mortgage – commercial and other   (645)   (3,103)   (2,321)
Installment loans to individuals   (517)   (2,411)   (1,578)
       Total charge-offs   (5,961)   (18,431)   (11,878)
Recoveries of loans previously charged-off:               
Commercial, financial, and agricultural   362    934    365 
Real estate – construction, land development & other land loans   1,479    3,599    1,108 
Real estate – mortgage – residential (1-4 family) first mortgages   443    678    351 
Real estate – mortgage – home equity loans / lines of credit   148    143    67 
Real estate – mortgage – commercial and other   735    1,390    578 
Installment loans to individuals   257    424    196 
       Total recoveries   3,424    7,168    2,665 
            Net charge-offs   (2,537)   (11,263)   (9,213)
Allowance for loan losses, at end of period  $26,023    28,583    32,090 
                
Ratios:               
   Net charge-offs as a percent of average loans (annualized)   0.20%    0.46%    0.78% 
   Allowance for loan losses as a percent of loans at end of  period   1.00%    1.13%    1.33% 

 

Page 62 

The following table discloses the activity in the allowance for loan losses for the six months ended June 30, 2016, segregated into covered and non-covered.

 

   As of June 30, 2016 
($ in thousands)  Covered   Non-covered   Total 
             
Loans outstanding at end of period  $78,387    2,519,747    2,598,134 
Average amount of loans outstanding  $93,517    2,453,537    2,547,054 
                
Allowance for loan losses, at beginning of year  $1,799    26,784    28,583 
Provision (reversal) for loan losses   (2,132)   2,109    (23)
Transfer of covered allowance for loan losses to non-covered status   (307)   307     
    (640)   29,200    28,560 
Loans charged off:               
Commercial, financial, and agricultural   (44)   (734)   (778)
Real estate – construction, land development & other land loans       (476)   (476)
Real estate – mortgage – residential (1-4 family) first mortgages   (78)   (2,692)   (2,770)
Real estate – mortgage – home equity loans / lines of credit   (40)   (735)   (775)
Real estate – mortgage – commercial and other   (83)   (562)   (645)
Installment loans to individuals       (517)   (517)
       Total charge-offs   (245)   (5,716)   (5,961)
                
Recoveries of loans previously charged-off:               
Commercial, financial, and agricultural   60    302    362 
Real estate – construction, land development & other land loans   1,267    212    1,479 
Real estate – mortgage – residential (1-4 family) first mortgages   148    295    443 
Real estate – mortgage – home equity loans / lines of credit   29    119    148 
Real estate – mortgage – commercial and other   450    285    735 
Installment loans to individuals   5    252    257 
       Total recoveries   1,959    1,465    3,424 
            Net (charge-offs)/recoveries   1,714    (4,251)   (2,537)
Allowance for loan losses, at end of period  $1,074    24,949    26,023 
                

 

The following table discloses the activity in the allowance for loan losses for the six months ended June 30, 2015, segregated into covered and non-covered.

 

   As of June 30, 2015 
($ in thousands)  Covered   Non-covered   Total 
             
Loans outstanding at end of period  $113,824    2,298,955    2,412,779 
Average amount of loans outstanding  $120,416    2,269,987    2,390,403 
                
Allowance for loan losses, at beginning of year  $2,281    38,345    40,626 
Provision (reversal) for loan losses   (428)   1,105    677 
    1,853    39,450    41,303 
Loans charged off:               
Commercial, financial, and agricultural   (111)   (2,301)   (2,412)
Real estate – construction, land development & other land loans   (523)   (2,031)   (2,554)
Real estate – mortgage – residential (1-4 family) first mortgages   (141)   (2,234)   (2,375)
Real estate – mortgage – home equity loans / lines of credit   (41)   (597)   (638)
Real estate – mortgage – commercial and other   (300)   (2,021)   (2,321)
Installment loans to individuals       (1,578)   (1,578)
       Total charge-offs   (1,116)   (10,762)   (11,878)
                
Recoveries of loans previously charged-off:               
Commercial, financial, and agricultural   22    343    365 
Real estate – construction, land development & other land loans   790    318    1,108 
Real estate – mortgage – residential (1-4 family) first mortgages   192    159    351 
Real estate – mortgage – home equity loans / lines of credit   9    58    67 
Real estate – mortgage – commercial and other   183    395    578 
Installment loans to individuals   2    194    196 
       Total recoveries   1,198    1,467    2,665 
            Net (charge-offs)/recoveries   82    (9,295)   (9,213)
Allowance for loan losses, at end of period  $1,935    30,155    32,090 
                

 

Page 63 

Based on the results of our loan analysis and grading program and our evaluation of the allowance for loan losses at June 30, 2016, there have been no material changes to the allocation of the allowance for loan losses among the various categories of loans since December 31, 2015.

 

Liquidity, Commitments, and Contingencies

 

Our liquidity is determined by our ability to convert assets to cash or acquire alternative sources of funds to meet the needs of our customers who are withdrawing or borrowing funds, and to maintain required reserve levels, pay expenses and operate the Company on an ongoing basis. Our primary liquidity sources are net income from operations, cash and due from banks, federal funds sold and other short-term investments. Our securities portfolio is comprised almost entirely of readily marketable securities, which could also be sold to provide cash.

 

In addition to internally generated liquidity sources, we have the ability to obtain borrowings from the following four sources - 1) an approximately $671 million line of credit with the Federal Home Loan Bank (of which $160 million was outstanding at June 30, 2016), 2) a $35 million federal funds line with a correspondent bank (of which none was outstanding at June 30, 2016), and 3) an approximately $101 million line of credit through the Federal Reserve Bank of Richmond’s discount window (of which none was outstanding at June 30, 2016). In addition to the outstanding borrowings from the FHLB that reduce the available borrowing capacity of that line of credit, our borrowing capacity was reduced by $193 million at both June 30, 2016 and 2015 as a result of our pledging letters of credit for public deposits at each of those dates. Unused and available lines of credit amounted to $454 million at June 30, 2016 compared to $429 million at December 31, 2015.

 

Our overall liquidity has been stable over the past year. Our liquid assets (cash and securities) as a percentage of our total deposits and borrowings increased from 19.7% at June 30, 2015 to 19.8% at June 30, 2016.

 

We believe our liquidity sources, including unused lines of credit, are at an acceptable level and remain adequate to meet our operating needs in the foreseeable future. We will continue to monitor our liquidity position carefully and will explore and implement strategies to increase liquidity if deemed appropriate.

 

The amount and timing of our contractual obligations and commercial commitments has not changed materially since December 31, 2015, detail of which is presented in Table 18 on page 90 of our 2015 Annual Report on Form 10-K.

 

We are not involved in any other legal proceedings that, in our opinion, could have a material effect on our consolidated financial position.

 

Off-Balance Sheet Arrangements and Derivative Financial Instruments

 

Off-balance sheet arrangements include transactions, agreements, or other contractual arrangements pursuant to which we have obligations or provide guarantees on behalf of an unconsolidated entity. We have no off-balance sheet arrangements of this kind other than letters of credit and repayment guarantees associated with our trust preferred securities.

 

Derivative financial instruments include futures, forwards, interest rate swaps, options contracts, and other financial instruments with similar characteristics. We have not engaged in significant derivative activities through June 30, 2016, and have no current plans to do so.

 

Capital Resources

 

We are regulated by the Board of Governors of the Federal Reserve Board (FED) and are subject to the securities registration and public reporting regulations of the Securities and Exchange Commission. Our banking subsidiary is also regulated by the North Carolina Office of the Commissioner of Banks. We are not aware of any recommendations of regulatory authorities or otherwise which, if they were to be implemented, would have a material effect on our liquidity, capital resources, or operations.

 

We must comply with regulatory capital requirements established by the FED. Failure to meet minimum capital requirements can initiate certain mandatory, and possibly additional discretionary, actions by regulators that, if undertaken, could have a direct material effect on our financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, we must meet specific capital guidelines that involve quantitative measures of our assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. Our capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings, and other factors.

 

Page 64 

The capital standards require us to maintain minimum ratios of “Common Equity Tier 1” capital to total risk-weighted assets, “Tier 1” capital to total risk-weighted assets, and total capital to risk-weighted assets of 4.50%, 6.00% and 8.00%, respectively. Common Equity Tier 1 capital in comprised of common stock and related surplus, plus retained earnings, and is reduced by goodwill and other intangible assets, net of associated deferred tax liabilities. Tier 1 capital is comprised of Common Equity Tier 1 capital plus Additional Tier 1 Capital, which for the Company includes non-cumulative perpetual preferred stock and trust preferred securities. Total capital is comprised of Tier 1 capital plus certain adjustments, the largest of which is our allowance for loan losses. Risk-weighted assets refer to our on- and off-balance sheet exposures, adjusted for their related risk levels using formulas set forth in FED regulations.

 

The capital conservation buffer requirement began to be phased in on January 1, 2016, at 0.625% of risk weighted assets, and will increase each year until fully implemented at 2.5% in January 1, 2019.

 

In addition to the risk-based capital requirements described above, we are subject to a leverage capital requirement, which calls for a minimum ratio of Tier 1 capital (as defined above) to quarterly average total assets of 3.00% to 5.00%, depending upon the institution’s composite ratings as determined by its regulators. The FED has not advised us of any requirement specifically applicable to us.

 

At June 30, 2016, our capital ratios exceeded the regulatory minimum ratios discussed above. The following table presents our capital ratios and the regulatory minimums discussed above for the periods indicated.

 

   June 30,
2016
   December 31,
2015
   June 30,
2015
 
             
Risk-based capital ratios:               
Common equity Tier 1 to Tier 1 risk weighted assets   11.09%    11.22%    11.44% 
Minimum required Common equity Tier 1 capital   4.50%    4.50%    4.50% 
                
Tier I capital to Tier 1 risk weighted assets   13.08%    13.30%    14.97% 
Minimum required Tier 1 capital   6.00%    6.00%    6.00% 
                
Total risk-based capital to Tier II risk weighted assets   14.10%    14.45%    16.23% 
Minimum required total risk-based capital   8.00%    8.00%    8.00% 
                
Leverage capital ratios:               
Tier 1 capital to quarterly average total assets   10.38%    10.38%    11.29% 
Minimum required Tier 1 leverage capital   4.00%    4.00%    4.00% 

 

Our bank subsidiary is also subject to capital requirements similar to those discussed above. The bank subsidiary’s capital ratios do not vary materially from our capital ratios presented above. At June 30, 2016, our bank subsidiary exceeded the minimum ratios established by the regulatory authorities.

 

The primary reason for the decline in our Tier I Risk-Based, Total Risk-Based, and Leverage ratios from June 30, 2015 is the redemption of $31.5 million in preferred stock in the second half of 2015 (see Note 14 to the Consolidated Financial Statements for more information on this transaction).

 

In addition to regulatory capital ratios, we also closely monitor our ratio of tangible common equity to tangible assets (“TCE Ratio”). Our TCE ratio was 8.18% at June 30, 2016 compared to 8.13% at December 31, 2015 and 8.24% at June 30, 2015.

 

BUSINESS DEVELOPMENT MATTERS

 

The following is a list of business development and other miscellaneous matters affecting First Bancorp and First Bank, our bank subsidiary.

 

Page 65 

·On July 15, 2016, the Company completed the exchange of its seven First Bank branches located in Virginia to First Community Bank in return for six of that bank’s branches located in North Carolina. Four of the six branches acquired were in Winston-Salem, with the other two branches being in the Charlotte-metro markets of Mooresville and Huntersville.

 

·On June 21, 2016, the Company announced that it had reached an agreement to acquire Carolina Bank Holdings, Inc. headquartered in Greensboro, North Carolina. The merger consideration is a combination of cash and stock, with each share of Carolina Bank Holdings stock being exchanged for either $20.00 in cash or 1.002 shares of First Bancorp stock, subject to the total consideration being 75% stock / 25% cash. This transaction is subject to regulatory approval and is expected to be completed during the fourth quarter of 2016 or first quarter of 2017.

 

·On June 15, 2016, the Company announced a quarterly cash dividend of $0.08 cents per share payable on July 25, 2016 to shareholders of record on June 30, 2016. This is the same dividend rate as the Company declared in the second quarter of 2015.

 

SHARE REPURCHASES

 

We did not repurchase any shares of our common stock during the first six months of 2016. At June 30, 2016, we had approximately 214,000 shares available for repurchase under existing authority from our board of directors. We may repurchase these shares in open market and privately negotiated transactions, as market conditions and our liquidity warrants, subject to compliance with applicable regulations. See also Part II, Item 2 “Unregistered Sales of Equity Securities and Use of Proceeds.”

 

 

Item 3 – Quantitative and Qualitative Disclosures About Market Risk

 

INTEREST RATE RISK (INCLUDING QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK)

 

Net interest income is our most significant component of earnings. Notwithstanding changes in volumes of loans and deposits, our level of net interest income is continually at risk due to the effect that changes in general market interest rate trends have on interest yields earned and paid with respect to our various categories of earning assets and interest-bearing liabilities. It is our policy to maintain portfolios of earning assets and interest-bearing liabilities with maturities and repricing opportunities that will afford protection, to the extent practical, against wide interest rate fluctuations. Our exposure to interest rate risk is analyzed on a regular basis by management using standard GAP reports, maturity reports, and an asset/liability software model that simulates future levels of interest income and expense based on current interest rates, expected future interest rates, and various intervals of “shock” interest rates. Over the years, we have been able to maintain a fairly consistent yield on average earning assets (net interest margin). Over the past five calendar years, our net interest margin has ranged from a low of 4.13% (realized in 2015) to a high of 4.92% (realized in 2013). During that five year period, the prime rate of interest has consistently remained at 3.25% (the rate increased to 3.50% on December 17, 2015). The consistency of the net interest margin is aided by the relatively low level of long-term interest rate exposure that we maintain. At June 30, 2016, approximately 74% of our interest-earning assets are subject to repricing within five years (because they are either adjustable rate assets or they are fixed rate assets that mature) and substantially all of our interest-bearing liabilities reprice within five years.

 

Using stated maturities for all fixed rate instruments except mortgage-backed securities (which are allocated in the periods of their expected payback) and securities and borrowings with call features that are expected to be called (which are shown in the period of their expected call), at June 30, 2016, we had approximately $981 million more in interest-bearing liabilities that are subject to interest rate changes within one year than earning assets. This generally would indicate that net interest income would experience downward pressure in a rising interest rate environment and would benefit from a declining interest rate environment. However, this method of analyzing interest sensitivity only measures the magnitude of the timing differences and does not address earnings, market value, or management actions. Also, interest rates on certain types of assets and liabilities may fluctuate in advance of changes in market interest rates, while interest rates on other types may lag behind changes in market rates. In addition to the effects of “when” various rate-sensitive products reprice, market rate changes may not result in uniform changes in rates among all products. For example, included in interest-bearing liabilities subject to interest rate changes within one year at June 30, 2016 are deposits totaling $1.5 billion comprised of checking, savings, and certain types of money market deposits with interest rates set by management. These types of deposits historically have not repriced with, or in the same proportion, as general market indicators.

 

Page 66 

Overall, we believe that in the near term (twelve months), net interest income will not likely experience significant downward pressure from rising interest rates. Similarly, we would not expect a significant increase in near term net interest income from falling interest rates. Generally, when rates change, our interest-sensitive assets that are subject to adjustment reprice immediately at the full amount of the change, while our interest-sensitive liabilities that are subject to adjustment reprice at a lag to the rate change and typically not to the full extent of the rate change. In the short-term (less than six months), this results in us being asset-sensitive, meaning that our net interest income benefits from an increase in interest rates and is negatively impacted by a decrease in interest rates. However, in the twelve-month horizon, the impact of having a higher level of interest-sensitive liabilities lessens the short-term effects of changes in interest rates.

 

The general discussion in the foregoing paragraph applies most directly in a “normal” interest rate environment in which longer-term maturity instruments carry higher interest rates than short-term maturity instruments, and is less applicable in periods in which there is a “flat” interest rate curve. A “flat yield curve” means that short-term interest rates are substantially the same as long-term interest rates. As a result of the prolonged negative/fragile economic environment, the Federal Reserve took steps to suppress long-term interest rates in an effort to boost the housing market, increase employment, and stimulate the economy, which resulted in a flat interest rate curve. A flat interest rate curve is an unfavorable interest rate environment for many banks, including the Company, as short-term interest rates generally drive our deposit pricing and longer-term interest rates generally drive loan pricing. When these rates converge, the profit spread we realize between loan yields and deposit rates narrows, which pressures our net interest margin.

 

While there have been periods in the last few years that the yield curve has steepened somewhat, it currently remains relatively flat. This flat yield curve and the intense competition for high-quality loans in our market areas have limited our ability to charge higher rates on loans, and thus we continue to experience downward pressure on our loan yields and net interest margin.

 

As it relates to deposits, the Federal Reserve made no changes to the short term interest rates it sets directly from 2008 until mid-December 2015, and since that time we have been able to reprice many of our maturing time deposits at lower interest rates. We were also able to generally decrease the rates we paid on other categories of deposits as a result of declining short-term interest rates in the marketplace and an increase in liquidity that lessened our need to offer premium interest rates. However, as short-term rates are already near zero and with the Federal Reserve recently increasing short-term interest rates by 25 bps, it is unlikely that we will be able to continue the trend of reducing our funding costs in the same proportion as experienced in recent years.

 

As previously discussed in the section “Net Interest Income,” our net interest income has been impacted by certain purchase accounting adjustments related primarily to our acquisitions of Cooperative Bank and The Bank of Asheville. The purchase accounting adjustments related to the premium amortization on loans, deposits and borrowings are based on amortization schedules and are thus systematic and predictable. The accretion of the loan discount on loans acquired from Cooperative Bank and The Bank of Asheville, which amounted to $1.7 million and $1.1 million for the second quarters of 2016 and 2015, respectively, and $2.7 million in each of the first six months of 2016 and 2015, is less predictable and could be materially different among periods. This is because of the magnitude of the discounts that were initially recorded ($280 million in total) and the fact that the accretion being recorded is dependent on both the credit quality of the acquired loans and the impact of any accelerated loan repayments, including payoffs. If the credit quality of the loans declines, some, or all, of the remaining discount will cease to be accreted into income. If the underlying loans experience accelerated paydowns or improved performance expectations, the remaining discount will be accreted into income on an accelerated basis. In the event of total payoff, the remaining discount will be entirely accreted into income in the period of the payoff. Each of these factors is difficult to predict and susceptible to volatility. However, with the remaining loan discount on accruing loans having naturally declined since inception, amounting to only $11.8 million at June 30, 2016, we expect that loan discount accretion, and the related indemnification asset expense associated with the accretion, will decline in 2016. If that occurs, our net interest margin will be negatively impacted and our noninterest income will be positively impacted (due to the lower indemnification asset expense).

 

Based on our most recent interest rate modeling, which assumes no changes in interest rates for 2016 (federal funds rate = 0.50%, prime = 3.50%), we project that our net interest margin for the remainder of 2016 will experience additional compression. We expect loan yields to continue to trend downwards, while many of our deposit products already have interest rates near zero.

 

Page 67 

We have no market risk sensitive instruments held for trading purposes, nor do we maintain any foreign currency positions.

 

See additional discussion regarding net interest income, as well as discussion of the changes in the annual net interest margin in the section entitled “Net Interest Income” above.

 

Item 4 – Controls and Procedures

 

As of the end of the period covered by this report, we carried out an evaluation, under the supervision and with the participation of our chief executive officer and chief financial officer, of the effectiveness of the design and operation of our disclosure controls and procedures, which are our controls and other procedures that are designed to ensure that information required to be disclosed in our periodic reports with the SEC is recorded, processed, summarized and reported within the required time periods.  Disclosure controls and procedures include, without limitation, controls and procedures designed to ensure that information required to be disclosed is communicated to our management to allow timely decisions regarding required disclosure.  Based on the evaluation, our chief executive officer and chief financial officer concluded that our disclosure controls and procedures are effective in allowing timely decisions regarding disclosure to be made about material information required to be included in our periodic reports with the SEC. In addition, no change in our internal control over financial reporting has occurred during, or subsequent to, the period covered by this report that has materially affected, or is reasonably likely to materially affect, our internal control over financial reporting.

 

Part II. Other Information

 

Item 1 – Legal Proceedings

 

Various legal proceedings may arise in the ordinary course of business and may be pending or threatened against the Company and its subsidiaries. Neither the Company nor any of its subsidiaries is involved in any pending legal proceedings that management believes are material to the Company or its consolidated financial position.  If an exposure were to be identified, it is the Company’s policy to establish and accrue appropriate reserves during the accounting period in which a loss is deemed to be probable and the amount is determinable.

 

Item 1A – Risk Factors

 

Investing in shares of our common stock involves certain risks, including those identified and described in Item 1A of our Annual Report on Form 10-K for the fiscal year ended December 31, 2015, as well as cautionary statements contained in this Form 10-Q, including those under the caption “Forward-Looking Statements” set forth in the forepart of this Form 10-Q, risks and matters described elsewhere in this Form 10-Q and in our other filings with the SEC.

 

Item 2 – Unregistered Sales of Equity Securities and Use of Proceeds

 

Issuer Purchases of Equity Securities
Period  Total Number of
Shares
Purchased (2)
   Average Price
Paid per Share
   Total Number of Shares
Purchased as Part of
Publicly Announced
Plans or Programs (1)
   Maximum Number of
Shares that May Yet Be
Purchased Under the
Plans or Programs (1)
 
April 1, 2016 to April 30, 2016           214,241 
May 1, 2016 to May 31, 2016               214,241 
June 1, 2016 to June 30, 2016               214,241 
Total               214,241 

 

Footnotes to the Above Table

(1)All shares available for repurchase are pursuant to publicly announced share repurchase authorizations. On July 30, 2004, the Company announced that its board of directors had approved the repurchase of 375,000 shares of the Company’s common stock. The repurchase authorization does not have an expiration date. There are no plans or programs the Company has determined to terminate prior to expiration, or under which we do not intend to make further purchases.

 

Page 68 

(2)The table above does not include shares that were used by option holders to satisfy the exercise price of the call options issued by the Company to its employees and directors pursuant to the Company’s stock option plans. There were no such exercises during the three months ended June 30, 2016.

 

During the three months ended June 30, 2016, the Company issued 199,829 shares of unregistered common stock in completing the acquisition of SBA Complete, Inc. – see Note 15 to the consolidated financial statements for additional information. The Company relied upon the exemption from registration provided by Section 4(2) of the Securities Act of 1933 for transactions not involving any public offering due to the small number of shareholders of SBA Complete, Inc., their level of financial sophistication and the absence of any general solicitation. There were no other unregistered sales of the Company’s securities during the three months ended June 30, 2016.

 

Item 6 - Exhibits

 

The following exhibits are filed with this report or, as noted, are incorporated by reference. Except as noted below the exhibits identified have Securities and Exchange Commission File No. 000-15572. Management contracts, compensatory plans and arrangements are marked with an asterisk (*).

 

3.aArticles of Incorporation of the Company and amendments thereto were filed as Exhibits 3.a.i through 3.a.v to the Company's Quarterly Report on Form 10-Q for the period ended June 30, 2002, and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as Exhibits 3.1 and 3.2 to the Company’s Current Report on Form 8-K filed on January 13, 2009, and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as Exhibit 3.1.b to the Company’s Registration Statement on Form S-3D filed on June 29, 2010 (Commission File No. 333-167856), and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as Exhibit 3.1 to the Company’s Current Report on Form 8-K filed on September 6, 2011, and are incorporated herein by reference. Articles of Amendment to the Articles of Incorporation were filed as Exhibit 3.1 to the Company’s Current Report on Form 8-K filed on December 26, 2012, and are incorporated herein by reference.

 

3.bAmended and Restated Bylaws of the Company were filed as Exhibit 3.1 to the Company's Current Report on Form 8-K filed on November 23, 2009, and are incorporated herein by reference.

 

4.aForm of Common Stock Certificate was filed as Exhibit 4 to the Company’s Quarterly Report on Form 10-Q for the quarter ended June 30, 1999, and is incorporated herein by reference.

 

4.bForm of Certificate for Series B Preferred Stock was filed as Exhibit 4.1 to the Company’s Current Report on Form 8-K filed on September 6, 2011, and is incorporated herein by reference.

 

4.cForm of Certificate for Series C Preferred Stock was filed as Exhibit 4.1 to the Company’s Current Report on Form 8-K filed on December 26, 2012, and is incorporated herein by reference.

 

10.aPurchase and Assumption Agreement, dated as of March 3, 2016 between First Bank (as Seller) and First Community Bank (as Purchaser) was filed as Exhibit 99.2 to the Company’s Current Report on Form 8-K filed on March 7, 2016, and is incorporated herein by reference.

 

10.b Purchase and Assumption Agreement, dated as of March 3, 2016 between First Community Bank (as Seller) and First Bank (as Purchaser) was filed as Exhibit 99.3 to the Company’s Current Report on Form 8-K filed on March 7, 2016, and is incorporated herein by reference.

 

10.cAgreement and Plan of Merger and Reorganization, dated as of June 21, 2016 between First Bancorp and Carolina Bank Holdings, Inc. was filed as Exhibit 2.1 to the Company’s Current Report on Form 8-K filed on June 22, 2016, and is incorporated herein by reference.

 

31.1Certification Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 302(a) of the Sarbanes-Oxley Act of 2002.

 

31.2Certification Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 302(a) of the Sarbanes-Oxley Act of 2002.

 

Page 69 

32.1Chief Executive Officer Certification Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.

 

32.2Chief Financial Officer Certification Pursuant to 18 U.S.C. Section 1350, as Adopted Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

 

101The following financial information from the Company’s Quarterly Report on Form 10-Q for the quarter ended June 30, 2016, formatted in eXtensible Business Reporting Language (XBRL): (i) the Consolidated Balance Sheets, (ii) the Consolidated Statements of Income, (iii) the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Shareholders’ Equity, (v) the Consolidated Statements of Cash Flows, and (vi) the Notes to Consolidated Financial Statements.

 

 

Copies of exhibits are available upon written request to: First Bancorp, Elizabeth B. Bostian, Secretary, 300 SW Broad Street, Southern Pines, North Carolina, 28387

 

 

 

Page 70 

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

 

 

    FIRST BANCORP
     
     
  August 9, 2016 BY:/s/ Richard H. Moore   
              Richard H. Moore
         Chief Executive Officer
     (Principal Executive Officer),
         Treasurer and Director
     
     
     
  August 9, 2016 BY:/s/ Eric P. Credle        
    Eric P. Credle
    Executive Vice President
    and Chief Financial Officer

 

Page 71 

 

 

EX-31.1 2 ex31-1.htm EX-31.1

Exhibit 31.1

Chief Executive Officer Certification Pursuant to 18 U.S.C. Section 1350,

As Adopted Pursuant to Section 302(a) of the Sarbanes-Oxley Act of 2002

 

I, Richard H. Moore, certify that:

 

1.     I have reviewed this Form 10-Q of First Bancorp;

2.     Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.     Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.      The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

(b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

(c)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

(d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5.     The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors:

 

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

August 9, 2016 /s/ Richard H. Moore
  Richard H. Moore
  Chief Executive Officer

 

 

EX-31.2 3 ex31-2.htm EX-31.2

Exhibit 31.2

Chief Financial Officer Certification Pursuant to 18 U.S.C. Section 1350,

As Adopted Pursuant to Section 302(a) of the Sarbanes-Oxley Act of 2002

 

I, Eric P. Credle, certify that:

 

1.     I have reviewed this Form 10-Q of First Bancorp;

2.     Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;

3.     Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;

 

4.     The registrant’s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:

 

(a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;

 

(b)Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance with generally accepted accounting principles;

 

(c)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and

 

(d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and

 

5.     The registrant’s other certifying officer and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of registrant’s board of directors:

 

(a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and

 

(b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

 

August 9, 2016 /s/ Eric P. Credle
  Eric P. Credle
  Chief Financial Officer

 

 

 

EX-32.1 4 ex32-1.htm EX-32.1

Exhibit 32.1

 

Chief Executive Officer

Certification Pursuant to 18 U.S.C. Section 1350,

as Adopted Pursuant to

Section 906 of the Sarbanes-Oxley Act of 2002

 

In connection with the Quarterly Report of First Bancorp (the "Company") on Form 10-Q for the period ending June 30, 2016 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Richard H. Moore, Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to my knowledge:

(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

 

/s/ Richard H. Moore
Richard H. Moore
Chief Executive Officer
August 9, 2016

 

 

A signed original of this written statement required by Section 906, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906 has been provided to First Bancorp and will be retained by First Bancorp and furnished to the Securities and Exchange Commission or its staff upon request.

 

 

EX-32.2 5 ex32-2.htm EX-32.2

Exhibit 32.2

 

Chief Financial Officer

Certification Pursuant to 18 U.S.C. Section 1350,

as Adopted Pursuant to

Section 906 of the Sarbanes-Oxley Act of 2002

 

In connection with the Quarterly Report of First Bancorp (the "Company") on Form 10-Q for the period ending June 30, 2016 as filed with the Securities and Exchange Commission on the date hereof (the "Report"), I, Eric P. Credle, Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that, to my knowledge:

(1) The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934; and

(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.

 

/s/ Eric P. Credle
Eric P. Credle
Chief Financial Officer
August 9, 2016

 

 

A signed original of this written statement required by Section 906, or other document authenticating, acknowledging, or otherwise adopting the signature that appears in typed form within the electronic version of this written statement required by Section 906 has been provided to First Bancorp and will be retained by First Bancorp and furnished to the Securities and Exchange Commission or its staff upon request.

 

 

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Subsequent Events (Details) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 8 fbp-20160630_cal.xml XBRL CALCULATION FILE EX-101.DEF 9 fbp-20160630_def.xml XBRL DEFINITION FILE EX-101.LAB 10 fbp-20160630_lab.xml XBRL LABEL FILE First Bancorp 2014 Equity Plan [Member] Plan Name [Axis] Restricted Stock [Member] Award Type [Axis] CEO [Member] Title of Individual [Axis] Senior Executives [Member] Employees [Member] First Bancorp Plans [Member] Stock Options [Member] Long-Term Restricted Stock [Member] Series B Preferred Stock [Member] Class of Stock [Axis] Series C Preferred Stock [Member] Employee Stock Option [Member] Antidilutive Securities [Axis] Banking port [Member] Business Acquisition [Axis] Small Business Lending Fund [Member] Subsidiary, Sale of Stock [Axis] Common Stock [Member] StatementEquityComponents [Axis] Government-sponsored enterprise securities [Member] Major Types of Debt and Equity Securities [Axis] Mortgage-backed securities [Member] Corporate bonds [Member] Equity securities [Member] State and local governments [Member] Foreclosed Real Estate - Non-Covered [Member] Asset Class [Axis] Quoted Prices in Market for Identical Assets (Level 1) [Member] Fair Value, Hierarchy [Axis] Recurring [Member] Measurement Frequency [Axis] Fair Value, Inputs, Level 2 [Member] Significant Unobservable Inputs (Level 3) [Member] Fair Value [Member] Measurement Basis [Axis] Impaired Loans Covered [Member] Nonrecurring [Member] Impaired Loans - Non - Covered [Member] Foreclosed Real Estate Covered [Member] Carrying Amount [Member] Covered Loss Sharing Protection Change [Member] Class of Financing Receivable [Axis] Commercial, financial and agricultural [Member] Real Estate construction, land development and other land loans [Member] Real estate mortgage residential (1-4 family) first mortgages [Member] Real estate mortgage home equity loans/lines of credit [Member] Real estate mortgage commercial and other [Member] Installment loans to individual [Member] Contractual Principal Receivable [Member] Receivable Type [Axis] Fair Market Value Adjustment Write Down (Nonaccretable Difference) [Member] Non-covered nonperforming Assets [Member] Covered nonperforming Assets [Member] Non-covered [Member] Real estate construction, land development & other land loans [Member] Covered [Member] Real estate mortgage residential (1-4 family) first mortgages [Member] Real estate mortgage home equity loans / lines of credit [Member] Real estate mortgage commercial and other [Member] 30-59 Days past due [Member] Financing Receivables, Period Past Due [Axis] 60-89 Days past due [Member] Preferred Stock [Member] Retained Earnings [Member] Accumulated Other Comprehensive Income (Loss) [Member] Pension Plan [Member] Defined Benefit Plans and Other Postretirement Benefit Plans [Axis] SERP [Member] Unallocated [Member] Customer Lists [Member] Finite-Lived Intangible Assets by Major Class [Axis] Receivables acquired with deteriorated credit quality [Member] Receivables Acquired with Deteriorated Credit Quality [Axis] Unrealized gain (loss) on securities available for sale [Member] Additional pension asset (liability) [Member] Pass [Member] Internal Credit Assessment [Axis] Special Mention Loans [Member] Classified Accruing Loans [Member] Classified Nonaccrual Loans [Member] Commercial, financial, and agricultural [Member] Employee grants [Member] Salaries expense [Member] Income Statement Location [Axis] Director grants [Member] Other operating expenses [Member] Non-employee directors [Member] Stock Option [Member] Installment loans to individuals [Member] Commercial, financial, and agricultural [Member] Real estate - construction, land development & other land loans [Member] Real estate - mortgage - residential (1-4 family) first mortgages [Member] Real estate - mortgage - home equity loans / lines of credit [Member] Installment loans to individuals [Member] SBA Complete, Inc. [Member] Carolina Bank Holdings, Inc. [Member] Subsequent Event [Member] Subsequent Event Type [Axis] First Community Bank [Member] Non-Covered Purchased Nonimpaired Loans [Member] Purchased Impaired Loans [Member] Minimum [Member] Range [Axis] Purchased Covered Nonimpaired Loans [Member] Document And Entity Information Entity Registrant Name Entity Central Index Key Document Type Document Period End Date Amendment Flag Current Fiscal Year End Date Is Entity a Well-known Seasoned Issuer Is Entity a Voluntary Filer Is Entity's Reporting Status Current Entity Filer Category Entity Common Stock, Shares Outstanding Entity Public Float Document Fiscal Period Focus Document Fiscal Year Focus Statement [Table] Statement [Line Items] ASSETS Cash and due from banks, noninterest-bearing Due from banks, interest-bearing Federal funds sold Total cash and cash equivalents Securities available for sale Securities held to maturity (fair values of $146,099, $157,146, and $167,759) Presold mortgages in process of settlement Loans - non-covered Loans - covered by FDIC loss share agreement Total loans Allowance for loan losses - non-covered Allowance for loan losses - covered Total allowance for loan losses Net loans Premises and equipment Accrued interest receivable FDIC indemnification asset Goodwill Other intangible assets Foreclosed real estate - non-covered Foreclosed real estate - covered Bank-owned life insurance Other assets Total assets LIABILITIES Deposits: Noninterest bearing checking accounts Interest bearing checking accounts Money market accounts Savings accounts Time deposits of $100,000 or more Other time deposits Total deposits Borrowings Accrued interest payable Other liabilities Total liabilities Commitments and contingencies SHAREHOLDERS' EQUITY Preferred stock, no par value per share. Authorized: 5,000,000 shares Series B issued & outstanding: None, None, and 31,500 shares Series C, convertible, issued & outstanding: 728,706, 728,706, and 728,706 shares Common stock, no par value per share. Authorized: 40,000,000 shares Issued & outstanding: 20,087,942, 19,747,509, and 19,780,017 shares Retained earnings Accumulated other comprehensive income (loss) Total shareholders' equity Total liabilities and shareholders' equity Securities held to maturity fair values Preferred stock, shares authorized Preferred stock, shares issued Preferred stock, shares outstanding common stock, shares authorized Common stock, shares issued Common stock, shares outstanding Consolidated Statements of Income [Abstract] INTEREST INCOME Interest and fees on loans Interest on investment securities: Taxable interest income Tax-exempt interest income Other, principally overnight investments Total interest income INTEREST EXPENSE Savings, checking and money market accounts Time deposits of $100,000 or more Other time deposits Securities sold under agreements to repurchase Borrowings Total interest expense Net interest income Provision for loan losses - non-covered Provision (reversal) for loan losses - covered Total provision (reversal) for loan losses Net interest income after provision (reversal) for loan losses NONINTEREST INCOME Service charges on deposit accounts Other service charges, commissions and fees Fees from presold mortgage loans Commissions from sales of insurance and financial products SBA consulting fees Bank-owned life insurance income Foreclosed property gains (losses) - non-covered Foreclosed property gains (losses) - covered FDIC indemnification asset income (expense), net Securities gains Other gains (losses) Total noninterest income NONINTEREST EXPENSES Salaries Employee benefits Total personnel expense Net occupancy expense Equipment related expenses Merger and acquisition expenses Intangibles amortization Other operating expenses Total noninterest expenses Income before income taxes Income tax expense Net income Preferred stock dividends Accretion of preferred stock discount Net income available to common shareholders Earnings per common share: Basic Earnings per common share: Diluted Dividends declared per common share Weighted average common shares outstanding: Basic Weighted average common shares outstanding: Diluted Consolidated Statements of Comprehensive Income [Abstract] Net income Other comprehensive income (loss): Unrealized gains (losses) on securities available for sale: Unrealized holding gains (losses) arising during the period, pretax Tax (expense) benefit Reclassification to realized gains Tax expense Postretirement Plans: Net gain (loss) arising during period Tax (expense) benefit Amortization of unrecognized net actuarial (gain) loss Tax expense (benefit) Amortization of prior service cost and transition obligation Tax expense (benefit) Other comprehensive income (loss) Comprehensive income Equity Components [Axis] Beginning balance Beginning balance, shares Preferred stock redeemed (Series B) Equity issued pursuant to acquisition Equity issued pursuant to acquisition, shares Stock option exercises Stock option exercises, shares Cash dividends declared ($0.16 per common share) Preferred dividends Stock-based compensation Stock-based compensation, shares Other comprehensive income (loss) Ending balance Ending balance, shares Statement of Stockholders' Equity [Abstract] Cash dividends declared, per share Consolidated Statements of Cash Flows [Abstract] Cash Flows From Operating Activities Reconciliation of net income to net cash provided by operating activities: Provision (reversal) for loan losses Net security premium amortization Purchase accounting accretion and amortization, net Foreclosed property losses and write-downs (gains), net Gain on securities available for sale Other losses (gains) Decrease (increase) in net deferred loan costs Depreciation of premises and equipment Stock-based compensation expense Amortization of intangible assets Origination of presold mortgages in process of settlement Proceeds from sales of presold mortgages in process of settlement Decrease (increase) in accrued interest receivable Decrease (increase) in other assets Increase (decrease) in accrued interest payable Decrease in other liabilities Net cash provided by operating activities Cash Flows From Investing Activities Purchases of securities available for sale Purchases of securities held to maturity Proceeds from maturities/issuer calls of securities available for sale Proceeds from maturities/issuer calls of securities held to maturity Proceeds from sales of securities available for sale Proceeds (purchases) of Federal Reserve and Federal Home Loan Bank stock, net Net increase in loans Proceeds (payments) related to FDIC loss share agreements Proceeds from sales of foreclosed real estate Purchases of premises and equipment Proceeds from sales of premises and equipment Proceeds from loans held for sale Net cash received in acquisition Net cash paid in acquisition Net cash used by investing activities Purchase of bank-owned life insurance Cash Flows From Financing Activities Net increase (decrease) in deposits Net increase in borrowings Net increase (decrease) in deposits and repurchase agreements Cash dividends paid - common stock Cash dividends paid - preferred stock Proceeds from issuance of preferred stock Proceeds from issuance of common stock Redemption of preferred stock Proceeds from stock option exercises Repurchase of common stock Repurchase of common stock warrants Net cash provided (used) by financing activities Decrease in cash and cash equivalents Cash and cash equivalents, beginning of period Cash and cash equivalents, end of period Supplemental Disclosures of Cash Flow Information: Cash paid (received) during the period for interest Cash paid (received) during the period for income taxes Non-cash transactions: Unrealized gain (loss) on securities available for sale, net of taxes Foreclosed loans transferred to other real estate Loans transferred to loans held-for-sale (at liquidation value) Organization, Consolidation and Presentation of Financial Statements [Abstract] Basis of Presentation Accounting Policies [Abstract] Accounting Policies Reclassifications [Abstract] Reclassifications Equity-Based Compensation Plans [Abstract] Equity-Based Compensation Plans Earnings Per Share [Abstract] Earnings Per Common Share Securities [Abstract] Securities Loans and Asset Quality Information [Abstract] Loans and Asset Quality Information Loans and Asset Quality Information Part II Deferred Loan Costs [Abstract] Deferred Loan Costs Fdic Indemnification Asset [Abstract] FDIC Indemnification Asset Goodwill And Other Intangible Assets [Abstract] Goodwill and Other Intangible Assets Compensation and Retirement Disclosure [Abstract] Pension Plans Comprehensive Income [Abstract] Comprehensive Income Fair Value [Abstract] Fair Value Equity [Abstract] Shareholders Equity Transactions Business Combinations [Abstract] Acquisitions Pending Acquisition/Divestiture [Abstract] Pending Acquisition/Divestiture Schedule of option pricing assumptions Schedule of Company's stock options outstanding Schedule of information about the stock options outstanding Schedule of outstanding restricted stock Schedule of reconciliation of the numerators and denominators used in computing Basic and Diluted Earnings Per Common Share Book values and approximate fair values of investment securities Schedule of information regarding securities with unrealized losses Investment in corporate bonds Schedule of book values and approximate fair values of investment securities by contractual maturity Summary of the major categories of total loans outstanding Summary of the major categories of non-covered loans outstanding Schedule of the carrying amount of the covered loans Schedule of activity in covered purchased nonimpaired loans Schedule of activity in purchased impaired loans Summary of nonperforming assets Schedule of nonaccrual loans Schedule of analysis of the payment status of loans Schedule of activity in the allowance for loan losses for non-covered loans Schedule of activity in the allowance for loan losses for covered loans Schedule of impaired loans individually evaluated Schedule of recorded investment in loans by credit quality indicators Schedule of information related to loans modified in a troubled debt restructuring Schedule od accruing restructured loans that defaulted in the period Schedule of the FDIC indemnification asset components Rollforward of the FDIC indemnification asset Summary of the gross carrying amount and accumulated amortization of amortizable intangible assets and the carrying amount of unamortized intangible assets Schedule of the estimated amortization expense for the five succeeding fiscal years Schedule of the components of pension (income) expense Schedule of accumulated other comprehensive income (loss) Schedule of changes in accumulated other comprehensive income (loss) Financial instruments that were measured at fair value on a recurring and nonrecurring basis Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis Schedule of the carrying amounts and estimated fair values of financial instruments Stock based compensation expense Stock-based compensation expense expected to be recorded Stock based compensation, income tax benefit Shares remaining available for grant Director equity grants granted, value Vesting period Total compensation expense associated with senior executives grants Equity grants Equity grants in period (per director) Grants in period (options) Percent of bonus earned under the incentive plan in cash Percent of bonus earned under the incentive plan in shares of restricted stock Stock options outstanding Exercise price range - floor Exercise prices range - ceiling Proceeds from stock options exercised Shares granted to directors Shares granted per director Shares granted to directors, Per share Number of shares: Balance options outstanding, beginning Granted Exercised Forfeited Expired Balance options outstanding, end Exercisable, end of period Weighted Average Exercise Price Balance, beginning Granted Exercised Forfeited Expired Outstanding Exercisable Weighted- Average Contractual Term (years), outstanding Weighted- Average Contractual Term (years), exercisable Aggregate Intrinsic Value, exercised Aggregate Intrinsic Value, outstanding Aggregate Intrinsic Value, exercisable Options outstanding Weighted-average remaining contractual, outstanding Weighted-average exercise price Options exercisable Weighted-average exercise price Outstanding restricted stock Number of Units: Nonvested, beginning Granted during the period Vested during the period Forfeited or expired during the period Nonvested, ending Weighted-Average Grant Date Fair Value: Nonvested, beginning Granted during the period Vested during the period Forfeited or expired during the period Nonvested, ending Schedule of Antidilutive Securities Excluded from Computation of Earnings Per Share [Table] Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items] Number of anti-dilutive securities Basic EPS Net income available to common shareholders Shares (denominator) Basic EPS Effect of Dilutive Securities Income (numerator) Effect of Dilutive Securities Shares (denominator) Diluted EPS per common share Income (numerator) Shares (denominator) Diluted EPS per common share Collateralized mortage obligations, amortized cost Collateralized mortage obligations, fair value Investment securities, pledged as collateral for public deposits Proceeds from sales of securities Net realized gains of investment securities Sales of investment securities Federal Home Loan Bank stock and Federal Reserve Bank stock, cost Federal Home Loan Bank Stock, cost Federal Reserve Bank, cost Net realized gain on the call of municipal securities Net loss on write-down Securities available for sale: Amortized Cost Fair Value Unrealized Gains Unrealized (Losses) Securities held to maturity: Amortized Cost Fair Value Unrealized Gains Unrealized (Losses) Securities in an Unrealized Loss Position for Less than 12 Months AFS Fair Value AFS Unrealized Losses HTM Fair Value HTM Unrealized Losses Total temporarily impaired securities Fair Value Total temporarily impaired securities Unrealized Losses Securities in an Unrealized Loss Position for More than 12 Months AFS Fair Value AFS Unrealized Losses HTM Fair Value HTM Unrealized Losses Total AFS Fair Value Total AFS Unrealized Losses Total temporarily impaired securities Fair Value Total temporarily impaired securities Unrealized Losses Total temporarily impaired securities Fair Value Total temporarily impaired securities Unrealized Losses Debt securities Securities Available for Sale - Amortized Cost Due within one year Due after one year but within five years Due after five years but within ten years Due after ten years Mortgage-backed securities Total debt securities Equity securities Total securities Securities Available for Sale - Fair Value Due within one year Due after one year but within five years Due after five years but within ten years Due after ten years Mortgage-backed securities Total debt securities Equity securities Total securities Securities Held to Maturity Debt securities Securities Held to Maturity - Amortized Cost Due within one year Due after one year but within five years Due after five years but within ten years Due after ten years Mortgage-backed securities Total debt securities Total securities Securities Held to Maturity - Fair Value Due within one year Due after one year but within five years Due after five years but within ten years Due after ten years Mortgage-backed securities Total debt securities Securities held to maturity Class of Financing Receivable, Type [Axis] Covered Purchased Nonimpaired Loans [Member] Purchased Accruing Loans [Member] Purchased Non Accruing Loans [Member] Number of loss share agreements expired Total Covered Loans - Carrying Value Nonaccrual loans Restructured loans - accruing Transfer of allowance of loan losses from covered to non-covered Total loans transferred to non-covered status Unamortized premiums on loans Loans held for sale not included in loan balances Noncovered high risk loans targeted for sale to a third party Loans written down Loans pledged as collateral Loans to officers and directors Additions to loans, officers and directors Repayments of loans, officers and directors Accretion of loan discount Remaining loan discount for non-covered purchased accruing loans Remaining loan discount for covered purchased accruing loans Remaining loan discount for covered purchased nonaccruing loans Remaining loan discount for non-covered purchased nonaccruing loans Percentage of loan discount accretion Partial charge-offs on purchased loans outstanding Payments that exceeded the initial carrying amount on purchased impaired loans Contractual balance of nonaccrual loans Foreclosed assets Interest Income Interest income, actually collected Reclassification of perfoming loans to TDR status Chargeoffs to write-down the TDRs Reclassification TDR to nonperforming loans held for sale Nonaccrual loans in process of foreclosure Additional loan interest income Consumer loans moved from "special mention" to "pass" Reclassification of perfoming loans to FDIC loss-share provisions Classified loans transferred to non-covered category upon expiration of FDIC loss share agreement Grading system for consumer loans Summary of major categories of Total Loans Outstanding All loans (non-covered and covered): Amount of loans Percentage of Loans Unamortized net deferred loan costs Summary of the major categories of non-covered loans outstanding Non-covered loans: Total loans Percentage of Loans Unamortized net deferred loan costs Carrying amount of the covered loans Covered loans: Impaired Purchased Loans - Carrying Value Impaired Purchased Loans - Unpaid Principal Balance Nonimpaired Purchased Loans - Carrying Value Nonimpaired Purchased Loans - Unpaid Principal Balance Total Covered Loans - Unpaid Principal Balance Covered purchased nonimpaired loans: Carrying amount of nonimpaired covered loans, beginning balance Principal repayments Transfers to foreclosed real estate Transfers to non-covered loans due to expiration of loss-share agreement Net loan (charge-offs) / recoveries Balance, ending, carrying value Purchased impaired loans (substantially all of which are covered loans) Balance, beginning, carrying value Balance, beginning, contractual principal Balance, beginning, FMV Additions due to acquisition of The Bank of Asheville Change due to payments received Transfer to foreclosed real estate Change due to loan charge-off Other Balance, ending, carrying value Balance, ending, contractual principal Balance, ending, FMV Summary of nonperforming assets: ASSET QUALITY DATA Accruing loans > 90 days past due Total nonperforming loans Nonperforming loans held for sale Total nonperforming assets Company's nonaccrual loans: Analysis of the payment status of loans Financing receivable, past due Current Total loans Total loans Beginning balance Charge-offs Recoveries Transfers from covered category Provisions Ending balance Ending balances: Allowance for loan losses Individually evaluated for impairment Collectively evaluated for impairment Loans receivable: Ending balance - total Total non-covered loans Ending balances: Loans Individually evaluated for impairment Collectively evaluated for impairment Loans acquired with deteriorated credit quality Transferred to non-covered Ending balance - total Financing Receivable, Net Allowance for loan losses Impaired loans Loans with no related allowance recorded: Impaired loans with no related allowance - Recorded Investment Imapired loans with no related allowance - Unpaid Principal Balance Impaired loans with no related allowance - Average Recorded Investment Loans with an allowance recorded: Impaired loans with allowance - Recorded Investment Impaired loans with allowance - Unpaid Principal Balance Impaired loans with related allowance - Related Allowance Impaired loans with related allowance - Average Recorded Investment Recorded investment in loans by credit quality indicators: Non-covered loans Covered loans Information related to loans modified in a troubled debt restructuring: Number of contracts, TDRs Accruing TDRs arising during period - Accruing Pre-Modification TDRs arising during period - Accruing Post-Modification Number of contracts, TDRs Nonaccrual TDRs arising during period - Nonaccrual Pre-Modification TDRs arising during period - Nonaccrual Post-Modification Number of contracts, TDRs TDRs arising during period Pre-Modification TDRs arising during period Post-Modification Accruing restructured loans that defaulted in the period: Number of Contracts - Subsequent Default Subsequently defaulted - Recorded Investment Net deferred loan costs FDIC indemnification asset components Receivable (payable) related to loss claims incurred, (recoveries), not yet received (paid), net Receivable related to estimated future claims on loans Receivable related to estimated future claims on foreclosed real estate FDIC indemnification asset Rollforward of the FDIC indemnification asset FDIC indemnification asset, beginning Increase related to acquisition of The Bank of Asheville Decrease related to favorable changes in loss estimates Increase related to reimbursable expenses Cash paid (received) Amortization associated with accretion of loan discount Decrease related to settlement of disputed claims Other FDIC indemnification asset, ending Amortization expense of intangible assets Goodwill acquired Intangible assets acquired Other amortizable intangible assets Amortizable intangible assets: Customer lists Customer Lists Accumulated Amortization Core deposit premiums Core Deposit premiums accumulated amortization Other Other Accumulated Amortization Gross Carrying Amount Accumulated Amortization Unamortizable intangible assets: The estimated amortization expense for five succeeding years: July 1 to December 31, 2016 2017 2018 2019 2020 Thereafter Total Net periodic pension cost (income) Service cost Interest cost Expected return on plan assets Amortization of transition obligation Amortization of net (gain)/loss Amortization of prior service cost Net periodic pension (income)/cost The components of accumulated other comprehensive income (loss): Total accumulated other comprehensive income (loss) Deferred tax asset (liability) Total accumulated other comprehensive income (loss) Accumulated other comprehensive income (loss), beginning balance Other comprehensive income (loss) before reclassifications Amounts reclassified from accumulated other comprehensive income Net current-period other comprehensive income (loss) Accumulated other comprehensive income (loss), ending balance Increase (decrease) in fair value of securities available for sale Tax benefit (expense) of increase (decrease) in the fair value of securities available for sale Write-down of noncovered foreclosed properties Percentage reduction in carrying value Increase in fair value of securities available for sale Tax expense of increase in fair value of securities available for sale Financial instruments measured at fair value on a recurring and nonrecurring basis: Description of Financial Instruments Government-sponsored enterprise securities Mortgage-backed securities Corporate bonds Equity securities Total available for sale securities Impaired loans and foreclosed real estate: Impaired loans - covered Impaired loans - non-covered Other real estate - covered Other real estate - non-covered Valuation technique Significant unobservable inputs General range of significant input values, minimum General range of significant input values, maximum Carrying amounts and estimated fair values of financial instruments: Securities held-to-maturity Presold mortgages in process of settlement Total loans, net of allowance Loans held for sale FDIC Indemnification Asset Deposits Borrowings Sale of Stock [Axis] Preferred stock redeemed Preferred stock redeemed, shares Stock issued Stock issued, shares Liquidation value of shares Warrant to purchase shares Preferred stock dividend rate Preferred stock dividend rate after five years Warrant, exercise price Discount rate used to determine fair value of preferred stock Fair value of preferred stock Fair value of warrant Aggregate fair value of preferred stock and warrant Percent of aggregate fair value attributed to warrant Percent of aggregate fair value attributed to preferred stock Amount allocated to preferred stock Amount allocated to warrant Accretion of preferred stock discount Warrant repurchase, per common share Threshold for qualified community banks Description of dividend rate percentages Stock sold price per share Net proceeds from the sale of preferred and common stock Accrued dividends Preferred stock dividends Schedule of Business Acquisitions, by Acquisition [Table] Business Acquisition [Line Items] Total purchase price Payments for acquisition Shares issued pursuant to acquisition, shares Shares issued pursuant to acquisition Payment for purchase of office space Other amortizable intangible assets Earn-out liability Earn-out liability payment period Subsequent Event [Table] Subsequent Event [Line Items] Payments for acquisition per share Merger share conversion ratio Contribution of cash in total consideration Contribution of stock in total consideration Total assets Total deposits Deposits Accretion of loan discount on covered purchased nonimpaired loans. Accretion of preferred stock discount. Additional loan interest income. The activity due to the acquisition of the Bank of Asheville. The aggregate fair value of preferred stock and warrant. Aggregate amount of allowance to cover probable credit losses on loans. The amount allocated to preferred stock. The amount allocated to warrant. This item represents the gross unrealized gains for securities, at a point in time, which are categorized neither as held-to-maturity nor trading securities. This item represents the gross unrealized losses for securities, at a point in time, which are categorized neither as held-to-maturity nor trading securities. Represents information pertaining to bankingport. Carolina Bank Holdings, Inc. [Member] Amount of change due to a loan write-off of the allowance for loans. The decrease in amounts due to payments received. A category of credit quality indicator. The amortized cost of collateralized mortgage obligations. The fair value of collateralized mortgage obligations. Commercial Financial And Agricultural [Member] A loan, secured. A loan, unsecured. Loans related to consumer receivables. The contractual balance of nonaccrual loans. Amount of the contractual principal due at the origination of the mortgage loan (face amount). Contribution of cash in total consideration. Contribution of stock in total consideration. Accumulated amortization on core deposit premiums, Fair value of corporate bonds. Covered loans and foreclosed real estate that was subsequently transferred to non-covered portfolio. Covered by loss sharing agreements. Covered Nonperforming Assets Member Accumulated amortization on customer lists. The entire disclosure for deferred loan costs. The description of dividend rate percentages. The value of director equity grants of common shares on the date of the grant, to each non-employee director in June of each year. Director Grants [Member] The discount rate used to determine fair value of preferred stock. Earn-out liability. Earn-out liability payment period. Employee Grants [Member] Employees [Member] Fair value of equity securities. Decrease to the indemnification asset due to other activity with the Federal Deposit Insurance Corporation (FDIC). Decrease to the indemnification asset due to accretion of the loan discount relating to loss sharing agreements with the Federal Deposit Insurance Corporation (FDIC). Increase in the FDIC Indemnification Asset due to the acquisition of the Bank of Asheville. Change in carrying amount of the indemnification asset relating to reimburseable expenses related to loss sharing agreements with the Federal Deposit Insurance Corporation (FDIC). Represents the amount of decrease to the indemnification asset due to settlement of disputed claims relating to loss sharing agreements with the Federal Deposit Insurance Corporation (FDIC). Amount of fair value adjustment write down (nonaccretabe difference) of contractual principal receiavble. Represents the fair value. The fair value of preferred stock as determined using the discounted cash flow model. The estimated fair value of a common stock warrant. FDIC indemnification asset income, net The entire disclosure regarding FDIC indemnification assets. Amount of valuation allowance for financing receivables that are transferred to non-covered. The number of financing receivables that have been modified by troubled debt restructurings during the period and are still accruing. The number of financing receivables that have been modified by troubled debt restructurings during the period and are in nonaccrual status. The number of financing receivables that have been modified by troubled debt restructurings during the period. Amount of investment in financing receivables (after modification) modified by troubled debt restructurings during the period and still accruing for interest. Amount of investment in financing receivables (after modification) modified by troubled debt restructurings during the period and not accruing for interest. Number of financing receivables that have been modified by troubled debt restructurings within the previous 12 months and for which there was a payment default within the period. Amount of investment related to financing receivables modified by troubled debt restructurings within the previous 12 months, for which there was a payment default in the period. The entire disclosure for financing receivables. Examples of financing receivables include, but are not limited to, loans, trade accounts receivables, notes receivable, credit cards, and receivables relating to a lessor's right(s) to payment(s) from a lease other than an operating lease that is recognized as assets. Amount of amortization expense expected to be recognized in total for assets excluding financial assets and goodwill, lacking physical substance with a finite life. Represents information pertaining to First Bancorp 2014 Equity Plan of entity. Total equity-based payment arrangement where one or more employees receive shares of stock, options or other equity instrument. First Community Bank [Member] Foreclosed loans transferred to foreclosed real estate in noncash transactions during the reporting period. The net gain (loss) resulting from sales and other disposals of other real estate owned, increases (decreases) in the valuation allowance for foreclosed real estate, and write-downs of other real estate owned after acquisition or physical possession for covered transaction. The net gain (loss) resulting from sales and other disposals of other real estate owned, increases (decreases) in the valuation allowance for foreclosed real estate, and write-downs of other real estate owned after acquisition or physical possession of non-covered transactions. Carrying amount as of the balance sheet date of land and buildings obtained through foreclosure proceedings or defeasance in full or partial satisfaction of a debt arrangemen covered by loss sharing agreements. Foreclosed Real Estate Covered Member Foreclosed Real Estate Non Covered Member Carrying amount as of the balance sheet date of land and buildings obtained through foreclosure proceedings or defeasance in full or partial satisfaction of a debt arrangemen not covered by loss sharing agreements. The net gain (loss) resulting from sales and other disposals of other real estate owned, increases (decreases) in the valuation allowance for foreclosed real estate, and write-downs of other real estate owned after acquisition or physical possession. The maximum general range of significant unobservable input values. The minimum general range of significant unobservable input values. Fair value of government sponsored enterprise securities. This item represents the gross unrealized gains for securities, at a point in time, which are categorized as held-to-maturity. This item represents the gross unrealized losses for securities, at a point in time, which are categorized as held-to-maturity. Fair value of impaired loans covered by loss sharing arrangements. Impaired Loans Covered Member Fair value of impaired loans not covered by loss sharing arrangements. Impaired Loans Non Covered Member Amount of unpaid principal balance of impaired purchased loans with related allowance for credit losses and without related allowance for credit losses. The carrying value of impaired purchased loans (includes covered and non-covered). Reflects the adjusted carrying amount of loans for which it is probable, based on current facts and circumstances, that a creditor will not initially be able to collect all amounts due according to the contractual terms of the loan agreement, or will not recover the previously reported carrying amount of the loan covered by loss sharing arrangements. The unpaid principal balance of covered impaired purchased loans. The net cash inflow or outflow in the total of all deposits and repurchase agreements. The increase or decrease in the amount of deferred loan costs during the period. Installment Loans To Individuals [Member] Interest and fee income, actually collected, generated by loans the Entity intends and has the ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (1) industrial and agricultural; (2) real estate; and (3) real estate construction loans; (4) trade financing; (5) lease financing; (6) home equity lines-of-credit; (7) automobile and other vehicle loans; and (8) credit card and other revolving-type loans. Also includes interest income for leases held by the Entity. The tabular disclosure for investment in corporate bonds. The tabular disclosure for level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis, Amount of write-off of the allowance for loans. Aggregate gross carrying amount of loans receivable. Aggregate gross carrying amount of loans before unamortized net deferred loan costs. Aggregate gross carrying amount of loans before unamortized net deferred loan costs. Excludes loans and leases covered under loss sharing agreements. The carrying value of loans held for sale not included in loan balances. Loans Receivable Commercial Financial And Agricultural [Member] Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements. The amount of loans written down. Long Term Restricted Stock Member The net realized gains on call of municipal securities during the period. Represents the information pertaining to nineteen officers. Non Covered Accruing Loans [Member] Excludes items covered under loss sharing agreements. Non Covered Nonaccruing Loans [Member] Non Covered Nonperforming Assets Member Non Covered Purchased Non Impaired Loans [Member] Non Employee Directors [Member] Reflects the carrying amount of loans which no interest is continuing to be recognized. Nonaccrual loans that are currently in the process of foreclosure. The carrying value of noncovered high risk loans targeted for sale to a third party. Aggregate gross carrying amount of non impaired loans acquired. The carrying value of covered non-impaired purchased loans. The unpaid principal balance of covered non-impaired purchased loans. The amount of nonperforming assets (defined as nonaccrual loans, restructured loans, loans past due 90 or more days and still accruing interest, and other real estate). The amount of nonperforming loans (defined as nonaccrual loans, restructured loans, loans past due 90 or more days and still accruing interest). Amount of nonaccrual and TDRs, as of the balance sheet date, that are reclassified to nonperforming loans held for sales. Represents the number of loss share agreements expired. Origination of presold mortgages in process of settlement. Other activity in amounts not disclosed elsewhere in taxonomy. Amount after tax and reclassification adjustments, of appreciation (loss) in value of unsold available-for-sale securities. Excludes amounts related to other than temporary impairment (OTTI) loss. Accumulated amount of amortization of other assets, excluding financial assets and goodwill, lacking physical substance with a finite life. Other operating gains (losses). fair value of other real estate covered by loss sharing agreements. Fair value of other real estate not covered by loss sharing agreements. Charge-offs to date of estimated losses to be realized from purchased loans outstanding. Represents the average category of credit quality indicator. Refers to payments that exceeded initial carrying values of purchased impaired laons. Amount of cash outflow to acquire Federal Reserve Bank (FRB) stock and Federal Home Loan Bank (FHLB) stock. Pension Plan Member The percentage of the aggregate fair value attributed to preferred stock. The percentage of the aggregate fair value attributed to warrant. Represents percent of bonus earned under the incentive plan in cash. Represents percent of bonus earned under the incentive plan in shares of restricted stock. Percentage of loan discount accretion that will reduce the indemnification asset. Percentage of loans. Percentage of non-covered loans. The percentage reduction in carrying value relating to the writedown of noncovered foreclosed properties. The percentage rate used to calculate dividend payments on preferred stock after five years. This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. The cash inflow associated with maturities (principal being due), and repayments of loans. The net cash flow related to FDIC loss share agreements. Proceeds from sales of presold mortgages in process of settlement. Provision for loan losses, covered. The sum of the periodic provision charged to operations, based on an assessment of the uncollectibility of loans not covered by the FDIC loss sharing agreement, the offset to which is either added to or deducted from the allowance account for the purpose of reducing loan receivable to an amount that approximates their net realizable value (the amount expected to be collected). The amount recorded in earnings for the periodic recognition of adjustments for bank acquisitions and FDIC assisted transactions. Purchased Accruing Loans [Member] Purchased Impaired Loans [Member] Purchased Non Accruing Loans [Member] Loans related to real estate financing receivables related to commercial real estate. Loan represents a contractual right to receive money either on demand or on fixed or determinable dates related to commercial real estate construction. Revolving, open-end loan extended under a line of credit and secured by the borrower's residential property. Loanthat represents a contractual right to receive money either on demand or on fixed or determinable dates related to residential financing. Amount of receivables related to claims submitted on loans, relating to loss sharing agreements with the FDIC, not yet received. Amount of receivables related to estimated future claims on loans, relating to loss sharing agreements with the FDIC. Amount of receivables related to estimated future claims on other real estate owned, relating to loss sharing agreements with the FDIC . Reclassification of perfoming loans to FDIC loss-share provisions. The amount of a reclassification adjustment made for performing loans to TDR status for the period. Salaries Expense [Member] SBA Complete, Inc. [Member]. SBA consulting fees. Schedule detailing information related to accruing restructured loans that defaulted in period. Schedule summary of the major categories of loans, and for each the gross carrying value and percentage to total loans. Tabular disclosure of activity of the allowance for loan losses for covered loans. Tabular disclosure of activity of the allowance for loan losses for non-covered loans. Schedule detailing the loans receivables that are due but not impaired and receivables that are 90 days past due and still accruing. The schedule also includes loans receivables current and on nonaccrual status. Schedule of the carrying amount of covered loans consisting of impaired and nonimpaired purchased loans, and unpaid principal amount. Tabular disclosure for changes in accumulated other comprehensive income. Schedule detailing activity related to covered purchased nonimpaired loans. Tabular disclosure of FDIC indemnifications assets. Schedule of the recorded investment, unpaid principal balance, associated allowance, and average recorded investment for impaired loans by type. Schedule of the summary of major categories of non-covered loans, and for each the gross carrying value and percentage to total loans. Tabular disclosure of nonaccrual loans receivables on nonaccrual status as of each balance sheet date. Tabular disclosure of assumptions used for the option pricing model. Schedule of activity of purchased impaired loans. Schedule of investment securities which includes, but is not limited to, amortized cost basis, fair value, and gross unrealized gain (loss) values by type of security. Loans related to financing receivables related secured inventory and accounts receivable financing. Senior Executives [Member]. Current Year SERP Plan Number of non-optionequity instruments granted to each director. Shares granted per director. Small Business Lending Fund Member Tax effect of stock based compensation expense. Schedule of carrying amount of nonperforming assets (non accrual loans, restructured loans, loans past 90 days or more days accruing, and other real estate). Amount of investment in financing receivables (before modification) modified by troubled debt restructurings during the period and still accruing for interest. Amount of investment in financing receivables (before modification) modified by troubled debt restructurings during the period and not accruing for interest. The threshold for community banks to no longer qualify for the SBLF. Aggregate amount of the unpaid principal balances of covered loans. This item represents the total of all debt securities grouped by maturity dates, at fair value, which are categorized as held-to-maturity. The total value of loans transferred to non-covered status. Total Non Covered [Member] This item represents the fair value of securities that have been in a continuous unrealized loss position. This item represents the fair value of securities that have been in a continuous unrealized loss position for twelve months or longer. This item represents the fair value of securities that have been in a continuous unrealized loss position for less than twelve months. This item represents the fair value of securities that have been in a continuous unrealized loss position. This item represents the fair value of securities that have been in a continuous unrealized loss position for twelve months or longer. This item represents the fair value of securities that have been in a continuous unrealized loss position for less than twelve months. The amount of allowance for loan losses transferred from covered to non-covered during the period. The value of loans transfered to foreclosed assets. Amount of Allowance for loan losses that were transferred from covered status to non-covered status in connection with the scheduled expiration of a loss-sharing agreement. The value of loans transfered to foreclosed assets. The value of loans transferred to non-covered loans due to expiration of the loss-share agreement. Loans unallocated Member Unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of loans that are being amortized into income as an adjustment to yield. Unrealized gain loss on securities available for sale net of taxes. The per share amount of warrants repurchased. A category of credit quality indicator. Information pertaining to the weighted average exercise price of stock based compensation awards. Refers to weighted average number diluted value outstanding adjustment. The amount of noncovered foreclosed properties written down. Ratio applied to the conversion of stock in an acquisition, for example but not limited to, one share converted to two or two shares converted to one. Grading system for consumer loans. The entire disclosure for pending business combinations, including leverage buyout transactions (as applicable), and divestitures. This may include a description of a pending business combination or divestiture (or series of individually immaterial business combinations or divestitures), including background, timing, and assets and liabilities recognized and reclassified or sold. This element does not include fixed asset sales and plant closings. Purchased covered nonimpaired loans member. Classified loans transferred to non-covered category upon expiration of FDIC loss share agreement Remaining loan discount for non-covered purchased accruing loans. Remaining loan discount for non-covered purchased nonaccruing loans. Covered purchased nonimpaired loans member. Remaining loan discount for covered purchased accruing loans. Remaining loan discount for covered purchased nonaccruing loans. Consumer loans which had been previously graded as "special mention" but were moved to "pass." RealEstateResidentialMember RealEstateCommercialMember Assets [Abstract] Cash, Cash Equivalents, and Federal Funds Sold Loans Loans and Leases Receivable, Allowance Loans and Leases Receivable, Allowance, Covered AllowanceForLoanLosses Assets Liabilities [Abstract] Liabilities Stockholders' Equity Attributable to Parent Liabilities and Equity Interest and Dividend Income, Operating [Abstract] Interest and Dividend Income, Operating Interest Expense [Abstract] Interest Expense, Time Deposits, $100,000 or More Interest Expense, Time Deposits, Less than $100,000 Interest Expense, Borrowings Interest Expense Interest Income (Expense), Net Interest Income (Expense), after Provision for Loan Loss Noninterest Income [Abstract] ForeclosedPropertyLossesAndWritedownsNoncovered ForeclosedPropertyLossesAndWritedownsCovered FdicIndemnificationAssetIncomeNet Noninterest Income Labor and Related Expense Noninterest Expense Income (Loss) from Continuing Operations before Equity Method Investments, Income Taxes, Noncontrolling Interest AccretionOfPreferredStockDiscount Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI for Sale of Securities, before Tax Other Comprehensive Income (Loss), Pension and Other Postretirement Benefit Plans, Net Unamortized Gain (Loss) Arising During Period, Tax Other Comprehensive Income (Loss), Reclassification Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Gain (Loss), before Tax Other Comprehensive (Income) Loss, Amortization Adjustment from AOCI, Pension and Other Postretirement Benefit Plans, for Net Prior Service Cost (Credit), Tax Comprehensive Income (Loss), Net of Tax, Attributable to Parent Dividends, Common Stock, Cash Dividends, Preferred Stock, Cash Accretion (Amortization) of Discounts and Premiums, Investments PurchaseAccountingAccretionAndAmortizationNet GainsLossesOnSalesOfOtherRealEstateTotal OtherOperatingGainsLosses Increase (Decrease) in Accrued Interest Receivable, Net Increase (Decrease) in Other Operating Assets Net Cash Provided by (Used in) Operating Activities, Continuing Operations Payments to Acquire Available-for-sale Securities Payments to Acquire Held-to-maturity Securities PaymentsToAcquireFederalReserveStockAndFederalHomeLoanBankStock Payments for (Proceeds from) Loans and Leases Payments to Acquire Property, Plant, and Equipment Payments to Acquire Businesses, Net of Cash Acquired Net Cash Provided by (Used in) Investing Activities, Continuing Operations Payments to Acquire Life Insurance Policies Payments of Ordinary Dividends, Common Stock Payments of Ordinary Dividends, Preferred Stock and Preference Stock Payments for Repurchase of Redeemable Preferred Stock Payments for Repurchase of Common Stock Payments for Repurchase of Warrants Net Cash Provided by (Used in) Financing Activities, Continuing Operations Cash and Cash Equivalents, Period Increase (Decrease) Cash and Cash Equivalents, at Carrying Value FdicIndemnificationAssetTextBlock Mergers, Acquisitions and Dispositions Disclosures [Text Block] PendingMergersAcquisitionsAndDispositionsDisclosuresTextBlock Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Weighted Average Grant Date Fair Value Share-based Compensation Arrangement by Share-based Payment Award, Options, Forfeitures in Period Share-based Compensation Arrangement by Share-based Payment Award, Options, Expirations in Period Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Number Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Weighted Average Exercise Price Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Weighted Average Exercise Price Share-based Compensation Arrangement by Share-based Payment Award, Options, Outstanding, Intrinsic Value Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercisable, Intrinsic Value Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Outstanding Options Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Outstanding Options, Weighted Average Exercise Price Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Number of Exercisable Options Share-based Compensation, Shares Authorized under Stock Option Plans, Exercise Price Range, Exercisable Options, Weighted Average Exercise Price Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Vested in Period Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Weighted Average Grant Date Fair Value Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value AvailableforsaleSecuritiesGrossUnrealizedLossesPointinTime HeldtoMaturitySecuritiesGrossUnrealizedGainsPointinTime HeldtoMaturitySecuritiesGrossUnrealizedLossesPointinTime Available-for-sale Securities, Continuous Unrealized Loss Position, Twelve Months or Longer, Fair Value Available-for-sale Securities, Continuous Unrealized Loss Position, 12 Months or Longer, Accumulated Loss Held-to-maturity Securities, Continuous Unrealized Loss Position, Fair Value Held-to-maturity Securities, Continuous Unrealized Loss Position, Aggregate Loss TotalTemporarilyImpairedSecuritiesFairValueGreaterThanTwelveMonths TotalTemporarilyImpairedSecuritiesUnrealizedLossesGreaterThanTwelveMonths TotalTemporarilyImpairedSecuritiesFairValue TotalTemporarilyImpairedSecuritiesUnrealizedLosses Available-for-sale Securities, Debt Maturities, Next Twelve Months, Fair Value Available-for-sale Securities, Debt Maturities, Year Two Through Five, Fair Value Available-for-sale Securities, Debt Maturities, Year Six Through Ten, Fair Value Available-for-sale Securities, Debt Maturities, after Ten Years, Fair Value Available-for-sale Securities, Debt Maturities, without Single Maturity Date, Fair Value Available-for-sale Securities, Debt Securities Available-for-sale Securities, Equity Securities DebtSecurities1Abstract Held-to-maturity Securities, Debt Maturities, within One Year, Net Carrying Amount Held-to-maturity Securities, Debt Maturities, after One Through Five Years, Net Carrying Amount Held-to-maturity Securities, Debt Maturities, after Five Through Ten Years, Net Carrying Amount Held-to-maturity Securities, Debt Maturities, after Ten Years, Net Carrying Amount Held-to-maturity Securities, Debt Maturities, without Single Maturity Date, Net Carrying Amount Held-to-maturity Securities, Debt Maturities, Next Rolling Twelve Months, Fair Value Held-to-maturity Securities, Debt Maturities, Rolling Year Two Through Five, Fair Value Held-to-maturity Securities, Debt Maturities, Rolling Year Six Through Ten, Fair Value Held-to-maturity Securities, Debt Maturities, Rolling after Ten Years, Fair Value Held-to-maturity Securities, Debt Maturities, without Single Maturity Date, Fair Value TotalDebtSecurities SummaryOfMajorCategoriesOfNoncoveredLoansOutstandingAbstract PercentageOfLoansNonCovered NonimpairedPurchasedLoansCarryingValue ImpairedPurchasedLoansCarryingValue ImpairedPurchaseLoansUnpaidPrincipalBalance FairValueAdjustmentWriteDown Financing Receivable, Allowance for Credit Losses Financing Receivable, Allowance for Credit Losses, Write-downs Financing Receivable, Allowance for Credit Losses, Individually Evaluated for Impairment Financing Receivable, Allowance for Credit Losses, Collectively Evaluated for Impairment Financing Receivable, Individually Evaluated for Impairment Financing Receivable, Collectively Evaluated for Impairment Impaired Financing Receivable, with No Related Allowance, Recorded Investment Impaired Financing Receivable, with No Related Allowance, Unpaid Principal Balance Impaired Financing Receivable, with Related Allowance, Recorded Investment Impaired Financing Receivable, with Related Allowance, Unpaid Principal Balance Impaired Financing Receivable, Related Allowance RollforwardOfFdicIndemnificationAssetAbstract FDIC Indemnification Asset, Additional Estimated Losses FDICIndeminficationAssetOtherActivity Other Finite-Lived Intangible Assets, Gross FiniteLivedIntangibleAssetsAmortizationExpenseTotal Defined Benefit Plan, Expected Return on Plan Assets Defined Benefit Plan, Future Amortization of Gain (Loss) Deferred Tax Assets, Net Reclassification from Accumulated Other Comprehensive Income, Current Period, Net of Tax Other Comprehensive Income (Loss), Net of Tax Other Comprehensive Income (Loss), Available-for-sale Securities, Tax, Portion Attributable to Parent Mortgage-backed Securities Available-for-sale, Fair Value Disclosure EquitySecuritiesFairValueDisclosure Loan and Lease Receivables, Impaired [Abstract] PresoldMortgagesInProcessOfSettlementFairValueDisclosure Debt Instrument, Fair Value Disclosure Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Intangible Assets, Other than Goodwill BusinessAcquisitionStockConversionRatio1 CommercialSecuredMember CommercialUnsecuredMember ConsumerMember LoansReceivableCommercialFinancialAndAgriculturalMember NineteenOfficersMember NonCoveredAccruingLoansMember NonCoveredNonaccruingLoansMember PassAcceptableAverageMember SecuredInventoryAccountsReceivableMember TotalNonCoveredMember WatchStandardMember EX-101.PRE 11 fbp-20160630_pre.xml XBRL PRESENTATION FILE XML 12 R1.htm IDEA: XBRL DOCUMENT v3.5.0.2
Document and Entity Information - shares
6 Months Ended
Jun. 30, 2016
Jul. 31, 2016
Document And Entity Information    
Entity Registrant Name FIRST BANCORP /NC/  
Entity Central Index Key 0000811589  
Document Type 10-Q  
Document Period End Date Jun. 30, 2016  
Amendment Flag false  
Current Fiscal Year End Date --12-31  
Is Entity's Reporting Status Current Yes  
Entity Filer Category Accelerated Filer  
Entity Common Stock, Shares Outstanding   20,087,942
Document Fiscal Period Focus Q2  
Document Fiscal Year Focus 2016  
XML 13 R2.htm IDEA: XBRL DOCUMENT v3.5.0.2
Consolidated Balance Sheets - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
ASSETS      
Cash and due from banks, noninterest-bearing $ 58,956 $ 53,285 $ 75,151
Due from banks, interest-bearing 189,404 213,426 102,567
Federal funds sold 143 557 674
Total cash and cash equivalents 248,503 267,268 178,392
Securities available for sale 219,762 165,614 214,450
Securities held to maturity (fair values of $146,099, $157,146, and $167,759) 142,073 154,610 165,245
Presold mortgages in process of settlement 4,104 4,323 4,934
Loans - non-covered 2,519,747 2,416,285 2,298,955
Loans - covered by FDIC loss share agreement 78,387 102,641 113,824
Total loans 2,598,134 2,518,926 2,412,779
Allowance for loan losses - non-covered (24,949) (26,784) (30,155)
Allowance for loan losses - covered (1,074) (1,799) (1,935)
Total allowance for loan losses (26,023) (28,583) (32,090)
Net loans 2,572,111 2,490,343 2,380,689
Premises and equipment 76,991 74,559 75,087
Accrued interest receivable 9,152 9,166 9,134
FDIC indemnification asset 5,157 8,439 11,982
Goodwill 73,541 65,835 65,835
Other intangible assets 3,612 1,336 1,697
Foreclosed real estate - non-covered 10,221 9,188 9,954
Foreclosed real estate - covered 385 806 1,945
Bank-owned life insurance 73,098 72,086 56,175
Other assets 27,836 38,492 36,000
Total assets 3,466,546 3,362,065 3,211,519
LIABILITIES      
Deposits: Noninterest bearing checking accounts 709,887 659,038 614,619
Interest bearing checking accounts 636,316 626,878 553,918
Money market accounts 639,849 639,189 578,405
Savings accounts 197,445 186,616 184,786
Time deposits of $100,000 or more 412,564 403,545 398,348
Other time deposits 275,959 296,019 323,051
Total deposits 2,872,020 2,811,285 2,653,127
Borrowings 206,394 186,394 176,394
Accrued interest payable 586 585 625
Other liabilities 25,932 21,611 15,984
Total liabilities 3,104,932 3,019,875 2,846,130
Commitments and contingencies
SHAREHOLDERS' EQUITY      
Common stock, no par value per share. Authorized: 40,000,000 shares Issued & outstanding: 20,087,942, 19,747,509, and 19,780,017 shares 139,832 133,393 133,061
Retained earnings 216,223 205,060 194,600
Accumulated other comprehensive income (loss) (1,728) (3,550) (1,059)
Total shareholders' equity 361,614 342,190 365,389
Total liabilities and shareholders' equity 3,466,546 3,362,065 3,211,519
Series B Preferred Stock [Member]      
SHAREHOLDERS' EQUITY      
Preferred stock, no par value per share. Authorized: 5,000,000 shares Series B issued & outstanding: None, None, and 31,500 shares Series C, convertible, issued & outstanding: 728,706, 728,706, and 728,706 shares 31,500
Series C Preferred Stock [Member]      
SHAREHOLDERS' EQUITY      
Preferred stock, no par value per share. Authorized: 5,000,000 shares Series B issued & outstanding: None, None, and 31,500 shares Series C, convertible, issued & outstanding: 728,706, 728,706, and 728,706 shares $ 7,287 $ 7,287 $ 7,287
XML 14 R3.htm IDEA: XBRL DOCUMENT v3.5.0.2
Consolidated Balance Sheets (Parenthetical) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Securities held to maturity fair values $ 146,099 $ 157,146 $ 167,759
Preferred stock, shares authorized 5,000,000 5,000,000 5,000,000
common stock, shares authorized 40,000,000 40,000,000 40,000,000
Common stock, shares issued 20,087,942 19,747,509 19,780,017
Common stock, shares outstanding 20,087,942 19,747,509 19,780,017
Series B Preferred Stock [Member]      
Preferred stock, shares issued 31,500
Preferred stock, shares outstanding 31,500
Series C Preferred Stock [Member]      
Preferred stock, shares issued 728,706 728,706 728,706
Preferred stock, shares outstanding 728,706 728,706 728,706
XML 15 R4.htm IDEA: XBRL DOCUMENT v3.5.0.2
Consolidated Statements of Income - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
INTEREST INCOME        
Interest and fees on loans $ 30,809 $ 28,953 $ 60,382 $ 58,394
Interest on investment securities:        
Taxable interest income 1,961 1,664 3,784 3,023
Tax-exempt interest income 432 457 877 920
Other, principally overnight investments 177 186 399 381
Total interest income 33,379 31,260 65,442 62,718
INTEREST EXPENSE        
Savings, checking and money market accounts 409 281 803 550
Time deposits of $100,000 or more 622 732 1,274 1,579
Other time deposits 255 327 529 669
Borrowings 555 315 1,103 612
Total interest expense 1,841 1,655 3,709 3,410
Net interest income 31,538 29,605 61,733 59,308
Provision for loan losses - non-covered 489 1,001 2,109 1,105
Provision (reversal) for loan losses - covered (770) (160) (2,132) (428)
Total provision (reversal) for loan losses (281) 841 (23) 677
Net interest income after provision (reversal) for loan losses 31,819 28,764 61,756 58,631
NONINTEREST INCOME        
Service charges on deposit accounts 2,565 2,881 5,250 5,773
Other service charges, commissions and fees 3,043 2,771 5,873 5,313
Fees from presold mortgage loans 410 731 781 1,539
Commissions from sales of insurance and financial products 937 665 1,875 1,226
SBA consulting fees 720 720
Bank-owned life insurance income 504 383 1,012 754
Foreclosed property gains (losses) - non-covered (556) (580) (793) (1,075)
Foreclosed property gains (losses) - covered 423 254 870 492
FDIC indemnification asset income (expense), net (2,178) (1,828) (4,544) (4,220)
Securities gains 3
Other gains (losses) 51 (273) (126) (269)
Total noninterest income 5,919 5,004 10,921 9,533
NONINTEREST EXPENSES        
Salaries 12,560 11,581 24,035 23,078
Employee benefits 2,578 2,298 5,284 4,481
Total personnel expense 15,138 13,879 29,319 27,559
Net occupancy expense 1,843 1,812 3,786 3,681
Equipment related expenses 919 949 1,789 1,905
Merger and acquisition expenses 485 686
Intangibles amortization 261 180 447 360
Other operating expenses 7,501 7,480 14,893 14,509
Total noninterest expenses 26,147 24,300 50,920 48,014
Income before income taxes 11,591 9,468 21,757 20,150
Income tax expense 3,952 3,224 7,281 6,918
Net income 7,639 6,244 14,476 13,232
Preferred stock dividends (59) (212) (117) (429)
Net income available to common shareholders $ 7,580 $ 6,032 $ 14,359 $ 12,803
Earnings per common share: Basic $ 0.38 $ 0.3 $ 0.72 $ 0.65
Earnings per common share: Diluted 0.37 0.30 0.70 0.63
Dividends declared per common share $ 0.08 $ 0.08 $ 0.16 $ 0.16
Weighted average common shares outstanding: Basic 19,921,413 19,778,640 19,852,580 19,750,316
Weighted average common shares outstanding: Diluted 20,693,644 20,508,955 20,627,012 20,481,466
XML 16 R5.htm IDEA: XBRL DOCUMENT v3.5.0.2
Consolidated Statements of Comprehensive Income - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Consolidated Statements of Comprehensive Income [Abstract]        
Net income $ 7,639 $ 6,244 $ 14,476 $ 13,232
Unrealized gains (losses) on securities available for sale:        
Unrealized holding gains (losses) arising during the period, pretax 2,071 (990) 2,888 (743)
Tax (expense) benefit (807) 386 (1,126) 291
Reclassification to realized gains (3)
Tax expense 1
Postretirement Plans:        
Amortization of unrecognized net actuarial (gain) loss 51 (16) 102 (47)
Tax expense (benefit) (20) 6 (40) 18
Other comprehensive income (loss) 1,295 (614) 1,822 (481)
Comprehensive income $ 8,934 $ 5,630 $ 16,298 $ 12,751
XML 17 R6.htm IDEA: XBRL DOCUMENT v3.5.0.2
Consolidated Statements of Shareholders' Equity - USD ($)
$ in Thousands
Preferred Stock [Member]
Common Stock [Member]
Retained Earnings [Member]
Accumulated Other Comprehensive Income (Loss) [Member]
Total
Beginning balance at Dec. 31, 2014 $ 70,787 $ 132,532 $ 184,958 $ (578) $ 387,699
Beginning balance, shares at Dec. 31, 2014   19,710      
Net income 13,232 13,232
Preferred stock redeemed (Series B) (32,000) (32,000)
Stock option exercises $ 32 32
Stock option exercises, shares   2      
Cash dividends declared ($0.16 per common share) (3,161) (3,161)
Preferred dividends (429) (429)
Stock-based compensation $ 497 497
Stock-based compensation, shares     68    
Other comprehensive income (loss) (481) (481)
Ending balance at Jun. 30, 2015 38,787 $ 133,061 194,600 (1,059) $ 365,389
Ending balance, shares at Jun. 30, 2015   19,780     19,780,017
Beginning balance at Dec. 31, 2015 7,287 $ 133,393 205,060 (3,550) $ 342,190
Beginning balance, shares at Dec. 31, 2015   19,748     19,747,509
Net income 14,476 $ 14,476
Equity issued pursuant to acquisition $ 5,509 5,509
Equity issued pursuant to acquisition, shares   279      
Stock option exercises $ 375 375
Stock option exercises, shares   23      
Cash dividends declared ($0.16 per common share) (3,196) (3,196)
Preferred dividends     (117)   (117)
Stock-based compensation $ 555 555
Stock-based compensation, shares   38      
Other comprehensive income (loss) 1,822 1,822
Ending balance at Jun. 30, 2016 $ 7,287 $ 139,832 $ 216,223 $ (1,728) $ 361,614
Ending balance, shares at Jun. 30, 2016   20,088     20,087,942
XML 18 R7.htm IDEA: XBRL DOCUMENT v3.5.0.2
Consolidated Statements of Shareholders' Equity (Parenthetical) - $ / shares
3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Statement of Stockholders' Equity [Abstract]        
Cash dividends declared, per share $ 0.08 $ 0.08 $ 0.16 $ 0.16
XML 19 R8.htm IDEA: XBRL DOCUMENT v3.5.0.2
Consolidated Statements of Cash Flows - USD ($)
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Cash Flows From Operating Activities          
Net income $ 7,639,000 $ 6,244,000 $ 14,476,000 $ 13,232,000  
Reconciliation of net income to net cash provided by operating activities:          
Provision (reversal) for loan losses (281,000) 841,000 (23,000) 677,000  
Net security premium amortization     1,523,000 1,612,000  
Purchase accounting accretion and amortization, net     1,289,000 983,000  
Foreclosed property losses and write-downs (gains), net     (77,000) 583,000  
Gain on securities available for sale (3,000)  
Other losses (gains)     126,000 269,000  
Decrease (increase) in net deferred loan costs     (201,000) 127,000  
Depreciation of premises and equipment     2,244,000 2,255,000  
Stock-based compensation expense     380,000 404,000  
Amortization of intangible assets 261,000 180,000 447,000 360,000  
Origination of presold mortgages in process of settlement     (32,046,000) (56,744,000)  
Proceeds from sales of presold mortgages in process of settlement     32,300,000 57,759,000  
Decrease (increase) in accrued interest receivable     14,000 (214,000)  
Decrease (increase) in other assets     11,116,000 (2,193,000)  
Increase (decrease) in accrued interest payable     1,000 (61,000)  
Decrease in other liabilities     (651,000) (1,595,000)  
Net cash provided by operating activities     30,915,000 17,454,000  
Cash Flows From Investing Activities          
Purchases of securities available for sale     (99,896,000) (83,313,000)  
Purchases of securities held to maturity     (2,003,000)  
Proceeds from maturities/issuer calls of securities available for sale     47,846,000 25,515,000  
Proceeds from maturities/issuer calls of securities held to maturity     11,796,000 14,458,000  
Proceeds from sales of securities available for sale     8,000  
Proceeds (purchases) of Federal Reserve and Federal Home Loan Bank stock, net     (988,000) (9,582,000)  
Net increase in loans     (82,723,000) (27,549,000)  
Proceeds (payments) related to FDIC loss share agreements     (738,000) 6,912,000  
Proceeds from sales of foreclosed real estate     3,375,000 3,935,000  
Purchases of premises and equipment     (3,695,000) (2,956,000)  
Proceeds from sales of premises and equipment     21,000 847,000  
Net cash paid in acquisition     (2,519,000)  
Net cash used by investing activities     (127,513,000) (73,736,000)  
Cash Flows From Financing Activities          
Net increase (decrease) in deposits     60,735,000 (42,779,000)  
Net increase in borrowings     20,000,000 60,000,000  
Cash dividends paid - common stock     (3,160,000) (3,154,000)  
Cash dividends paid - preferred stock     (117,000) (509,000)  
Redemption of preferred stock     (32,000,000)  
Proceeds from stock option exercises 248,000 32,000 375,000 32,000  
Net cash provided (used) by financing activities     77,833,000 (18,410,000)  
Decrease in cash and cash equivalents     (18,765,000) (74,692,000)  
Cash and cash equivalents, beginning of period     267,268,000 253,084,000 $ 253,084,000
Cash and cash equivalents, end of period $ 248,503,000 $ 178,392,000 248,503,000 178,392,000 $ 267,268,000
Supplemental Disclosures of Cash Flow Information:          
Cash paid (received) during the period for interest     3,708,000 3,471,000  
Cash paid (received) during the period for income taxes     (933,000) 9,093,000  
Non-cash transactions:          
Unrealized gain (loss) on securities available for sale, net of taxes     1,760,000 (452,000)  
Foreclosed loans transferred to other real estate     $ 3,910,000 $ 4,296,000  
XML 20 R9.htm IDEA: XBRL DOCUMENT v3.5.0.2
Basis of Presentation
6 Months Ended
Jun. 30, 2016
Organization, Consolidation and Presentation of Financial Statements [Abstract]  
Basis of Presentation

Note 1 - Basis of Presentation

 

In the opinion of the Company, the accompanying unaudited consolidated financial statements contain all adjustments necessary to present fairly the consolidated financial position of the Company as of June 30, 2016 and 2015 and the consolidated results of operations and consolidated cash flows for the periods ended June 30, 2016 and 2015. All such adjustments were of a normal, recurring nature. Reference is made to the 2015 Annual Report on Form 10-K filed with the SEC for a discussion of accounting policies and other relevant information with respect to the financial statements. The results of operations for the periods ended June 30, 2016 and 2015 are not necessarily indicative of the results to be expected for the full year. The Company has evaluated all subsequent events through the date the financial statements were issued.

XML 21 R10.htm IDEA: XBRL DOCUMENT v3.5.0.2
Accounting Policies
6 Months Ended
Jun. 30, 2016
Accounting Policies [Abstract]  
Accounting Policies

Note 2 – Accounting Policies

 

Note 1 to the 2015 Annual Report on Form 10-K filed with the SEC contains a description of the accounting policies followed by the Company and discussion of recent accounting pronouncements. The following paragraphs update that information as necessary.

 

In June 2014, the Financial Accounting Standards Board (“FASB”) issued guidance which clarifies that performance targets associated with stock compensation should be treated as a performance condition and should not be reflected in the grant date fair value of the stock award. The amendments were effective for the Company on January 1, 2016. The Company will apply the guidance to all stock awards granted or modified after January 1, 2016. The Company’s adoption of these amendments did not have a material effect on its financial statements.

 

In January 2015, the FASB issued guidance to eliminate from U.S. GAAP the concept of an extraordinary item, which is an event or transaction that is both (1) unusual in nature and (2) infrequently occurring. Under the new guidance, an entity will no longer (1) segregate an extraordinary item from the results of ordinary operations; (2) separately present an extraordinary item on its income statement, net of tax, after income from continuing operations; or (3) disclose income taxes and earnings-per-share data applicable to an extraordinary item. The amendments were effective for the Company on January 1, 2016, and did not have a material effect on its financial statements.

 

In February 2015, the FASB issued guidance which amends the consolidation requirements and significantly changes the consolidation analysis required under U.S. GAAP. The amendments were expected to result in the deconsolidation of many entities. The amendments were effective for the Company on January 1, 2016. The adoption of these amendments did not have a material effect on the Company’s financial statements.

 

In April 2015, the FASB issued guidance that will require debt issuance costs related to a recognized debt liability to be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability. This update affects disclosures related to debt issuance costs but does not affect existing recognition and measurement guidance for these items. The amendments were effective for the Company on January 1, 2016. The Company’s adoption of these amendments did not have a material effect on its financial statements.

 

In April 2015, the FASB issued guidance which provides a practical expedient that permits the Company to measure defined benefit plan assets and obligations using the month-end that is closest to the Company’s fiscal year-end. The amendments were effective for the Company on January 1, 2016. The Company’s adoption of these amendments did not have a material effect on its financial statements.

 

In June 2015, the FASB issued amendments to clarify the Accounting Standards Codification, correct unintended application of guidance, and make minor improvements that are not expected to have a significant effect on current accounting practice or create a significant administrative cost to most entities. The amendments were effective upon issuance (June 12, 2015) for amendments that do not have transition guidance. Amendments that were subject to transition guidance were effective for the Company on January 1, 2016. The adoption of this guidance did not have a material effect on the Company’s financial statements.

 

In September 2015, the FASB amended the Business Combinations topic of the Accounting Standards Codification to simplify the accounting for adjustments made to provisional amounts recognized in a business combination by eliminating the requirement to retrospectively account for those adjustments. The amendments will be effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2015, with early adoption permitted for financial statements that have not been issued. All entities are required to apply the amendments prospectively to adjustments to provisional amounts that occur after the effective date. The amendment was effective for the Company on January 1, 2016 and these amendments did not have a material effect on its financial statements.

 

In February 2016, the FASB issued new guidance on accounting for leases, which generally requires all leases to be recognized in the statement of financial position. The provisions of this guidance are effective for reporting periods beginning after December 15, 2018; early adoption is permitted. These provisions are to be applied using a modified retrospective approach. The Company is evaluating the effect that this new guidance will have on our consolidated financial statements, but does not expect it will have a material effect on its financial statements.

 

In March 2016, the FASB amended the Liabilities topic of the Accounting Standards Codification to address the current and potential future diversity in practice related to the derecognition of a prepaid stored-value product liability. The amendments will be effective for financial statements issued for fiscal years beginning after December 15, 2017, including interim periods within those fiscal years. The Company will apply the guidance using a modified retrospective transition method by means of a cumulative-effect adjustment to retained earnings as of the beginning of the fiscal year in which the guidance is effective to each period presented. The Company does not expect these amendments to have a material effect on its financial statements.

 

In March 2016, the FASB amended the Investments—Equity Method and Joint Ventures topic of the Accounting Standards Codification to eliminate the requirement to retroactively adopt the equity method of accounting. The amendments are effective for fiscal years, and interim periods within those fiscal years, beginning after December 15, 2016. The Company will apply the guidance prospectively upon their effective date to increases in the level of ownership interest or degree of influence that result in the adoption of the equity method. The Company does not expect these amendments to have a material effect on its financial statements

 

In March 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify the implementation guidance on principal versus agent considerations and address how an entity should assess whether it is the principal or the agent in contracts that include three or more parties. The amendments will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements.

 

In March 2016, the FASB issued guidance to simplify several aspects of the accounting for share-based payment award transactions including the income tax consequences, the classification of awards as either equity or liabilities, and the classification on the statement of cash flows. Additionally, the guidance simplifies two areas specific to entities other than public business entities allowing them apply a practical expedient to estimate the expected term for all awards with performance or service conditions that have certain characteristics and also allowing them to make a one-time election to switch from measuring all liability-classified awards at fair value to measuring them at intrinsic value. The amendments will be effective for the Company for annual periods beginning after December 15, 2016 and interim periods within those annual periods. The Company does not expect these amendments to have a material effect on its financial statements.

 

In April 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify the guidance related to identifying performance obligations and accounting for licenses of intellectual property. The amendments will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements.

 

In May 2016, the FASB amended the Revenue from Contracts with Customers topic of the Accounting Standards Codification to clarify guidance related to collectability, noncash consideration, presentation of sales tax, and transition. The amendments will be effective for the Company for reporting periods beginning after December 15, 2017. The Company does not expect these amendments to have a material effect on its financial statements.

 

In June 2016, the FASB issued guidance to change the accounting for credit losses and modify the impairment model for certain debt securities. The amendments will be effective for the Company for reporting periods beginning after December 15, 2019. The Company is currently evaluating the effect that implementation of the new standard will have on its financial position, results of operations, and cash flows.

 

Other accounting standards that have been issued or proposed by the FASB or other standards-setting bodies are not expected to have a material impact on the Company’s financial position, results of operations or cash flows.

XML 22 R11.htm IDEA: XBRL DOCUMENT v3.5.0.2
Reclassifications
6 Months Ended
Jun. 30, 2016
Reclassifications [Abstract]  
Reclassifications

Note 3 – Reclassifications

 

Certain amounts reported in the period ended June 30, 2015 have been reclassified to conform to the presentation for June 30, 2016. These reclassifications had no effect on net income or shareholders’ equity for the periods presented, nor did they materially impact trends in financial information.

XML 23 R12.htm IDEA: XBRL DOCUMENT v3.5.0.2
Equity-Based Compensation Plans
6 Months Ended
Jun. 30, 2016
Equity-Based Compensation Plans [Abstract]  
Equity-Based Compensation Plans

Note 4 – Equity-Based Compensation Plans

 

The Company recorded total stock-based compensation expense of $258,000 and $277,000 for the three months ended June 30, 2016 and 2015, respectively, and $380,000 and $404,000 for the six months ended June 30, 2016 and 2015, respectively. Of the $380,000 in expense that was recorded in 2016, approximately $129,000 related to the June 1, 2016 director grants, which is classified as “other operating expenses” in the Consolidated Statements of Income. The remaining $251,000 in expense relates to the employee grants discussed below and is recorded as “salaries expense.” Stock based compensation is reflected as an adjustment to cash flows from operating activities on the Company’s Consolidated Statement of Cash Flows. The Company recognized $148,000 and $157,500 of income tax benefits related to stock based compensation expense in the income statement for the six months ended June 30, 2016 and 2015, respectively.

 

At June 30, 2016, the Company had the following equity-based compensation plans: the First Bancorp 2014 Equity Plan, the First Bancorp 2007 Equity Plan, and the First Bancorp 2004 Stock Option Plan. The Company’s shareholders approved all equity-based compensation plans. The First Bancorp 2014 Equity Plan became effective upon the approval of shareholders on May 8, 2014. As of June 30, 2016, the First Bancorp 2014 Equity Plan was the only plan that had shares available for future grants, and there were 881,797 shares remaining available for grant.

 

The First Bancorp 2014 Equity Plan is intended to serve as a means to attract, retain and motivate key employees and directors and to associate the interests of the plans’ participants with those of the Company and its shareholders. The First Bancorp 2014 Equity Plan allows for both grants of stock options and other types of equity-based compensation, including stock appreciation rights, restricted stock, restricted performance stock, unrestricted stock, and performance units.

 

Recent equity grants to employees have either had performance vesting conditions, service vesting conditions, or both. Compensation expense for these grants is recorded over the various service periods based on the estimated number of equity grants that are probable to vest. No compensation cost is recognized for grants that do not vest and any previously recognized compensation cost will be reversed. The Company issues new shares of common stock when options are exercised.

 

Certain of the Company’s stock option grants contain terms that provide for a graded vesting schedule whereby portions of the award vest in increments over the requisite service period. The Company recognizes compensation expense for awards with graded vesting schedules on a straight-line basis over the requisite service period for each incremental award. Compensation expense is based on the estimated number of stock options and awards that will ultimately vest. Over the past five years, there have only been minimal amounts of forfeitures, and therefore the Company assumes that all awards granted without performance conditions will become vested.

 

As it relates to director equity grants, the Company grants common shares, valued at approximately $16,000 to each non-employee director (currently eight in total) in June of each year. Compensation expense associated with these director grants is recognized on the date of grant since there are no vesting conditions. On June 1, 2016, the Company granted 6,584 shares of common stock to non-employee directors (823 shares per director), at a fair market value of $19.56 per share, which was the closing price of the Company’s common stock on that date. On June 1, 2015, the Company granted 8,176 shares of common stock to non-employee directors (1,022 shares per director), at a fair market value of $15.75 per share, which was the closing price of the Company’s common stock on that date.

 

Based on the Company’s performance in 2013, the Company granted long-term 15,657 restricted shares of common stock to the chief executive officer on February 11, 2014 with a two-year vesting period. The total compensation expense associated with the grant was $278,200. The Company recorded $46,000 in compensation expense related to this grant during the six months ended June 30, 2015.

 

In 2014, the Company’s Compensation Committee determined that seven of the Company’s senior officers would receive their annual bonus earned under the Company’s annual incentive plan in a mix of 50% cash and 50% stock, with the stock being subject to a three year vesting term. Previously, awards under this plan were paid solely in cash. Accordingly, in February 2015 and February 2016, a total of 40,914 shares of restricted stock were granted related to performance in the preceding fiscal year. Total compensation expense associated with those grants was $742,000 and is being recognized over the vesting period. For the three and six months ended June 30, 2016, total compensation expense related to these grants was $55,000 and $111,000, respectively compared to $67,000 and $134,000 for the three and six months ended June 30, 2015, respectively.

 

In 2015 and 2016, the Compensation Committee also granted 56,002 shares of stock to various employees of the Company to promote retention. The total value associated with these grants amounted to $976,000, which is being recorded as expense over their three year vesting periods. For the three and six months ended June 30, 2016, total compensation expense related to these grants was $69,000 and $139,000, respectively compared to $101,000 and $182,000 for the three and six months ended June 30, 2015, respectively.

 

Based on the vesting schedules of the shares of restricted stock currently outstanding, the Company expects to record $255,000 in stock-based compensation expense over the remainder of 2016.

 

Under the terms of the predecessor plans and the First Bancorp 2014 Equity Plan, stock options can have a term of no longer than ten years. In a change in control (as defined in the plans), unless the awards remain outstanding or substitute equivalent awards are provided, the awards become immediately vested.

 

At June 30, 2016, there were 59,948 stock options outstanding related to the three First Bancorp plans, with exercise prices ranging from $14.35 to $21.80.

 

The following table presents information regarding the activity for the first six months of 2016 related to the Company’s stock options outstanding:

 

    Options Outstanding  
    Number of
Shares
    Weighted-
Average 
Exercise 
Price
    Weighted-
Average 
Contractual 
Term (years)
    Aggregate 
Intrinsic 
Value
 
                         
Balance at January 1, 2016     117,408     $ 18.12                  
                                 
   Granted                            
   Exercised     (23,710 )     15.84             $ 81,894  
   Forfeited                            
   Expired     (33,750 )     21.39                  
                                 
Outstanding at June 30, 2016     59,948     $ 17.18       1.9     $ 57,084  
                                 
Exercisable at June 30, 2016     59,948     $ 17.18       1.9     $ 57,084  

 

During the three and six months ended June 30, 2016, the Company received $248,000 and $375,000, respectively, as a result of stock option exercises and recorded insignificant tax benefits from the exercise of nonqualified options during the period. During the three and six months ended June 30, 2015, the Company received $32,000 as a result of stock option exercises.

 

The following table presents information regarding the activity for the first six months of 2016 related to the Company’s outstanding restricted stock:

 

    Long-Term Restricted Stock  
    Number of Units     Weighted-Average
Grant-Date Fair Value
 
             
Nonvested at January 1, 2016     55,329     $ 17.31  
                 
Granted during the period     31,298       18.65  
Vested during the period     (5,219 )     17.77  
Forfeited or expired during the period            
                 
Nonvested at June 30, 2016     81,408     $ 17.80  
XML 24 R13.htm IDEA: XBRL DOCUMENT v3.5.0.2
Earnings Per Common Share
6 Months Ended
Jun. 30, 2016
Earnings Per Share [Abstract]  
Earnings Per Common Share

Note 5 – Earnings Per Common Share

 

Basic Earnings Per Common Share is calculated by dividing net income available to common shareholders by the weighted average number of common shares outstanding during the period, with nonvested restricted stock excluded from the calculation. Diluted Earnings Per Common Share is computed by assuming the issuance of common shares for all potentially dilutive common shares outstanding during the reporting period. The Company’s potentially dilutive common stock issuances relate to grants of stock options and nonvested restricted stock under the Company’s equity-based compensation plans and the Company’s Series C Preferred Stock, which is convertible into common stock on a one-for-one ratio.

 

In computing Diluted Earnings Per Common Share, adjustments are made to the computation of Basic Earnings Per Common shares, as follows. As it relates to stock options, it is assumed that all dilutive stock options are exercised during the reporting period at their respective exercise prices, with the proceeds from the exercises used by the Company to buy back stock in the open market at the average market price in effect during the reporting period. The difference between the number of shares assumed to be exercised and the number of shares bought back is included in the calculation of dilutive securities. As it relates to nonvested restricted stock, cash equal to the average amount of compensation cost attributable to future services and not yet recognized as expense is assumed to be used by the Company to buy back stock in the open market and are deducted from the total number of nonvested restricted stock that is included in the denominator of the calculation. As it relates to the Series C Preferred Stock, it is assumed that the preferred stock was converted to common stock during the reporting period. Dividends on the preferred stock are added back to net income and the shares assumed to be converted are included in the number of shares outstanding.

 

If any of the potentially dilutive common stock issuances have an anti-dilutive effect, the potentially dilutive common stock issuance is disregarded.

 

The following is a reconciliation of the numerators and denominators used in computing Basic and Diluted Earnings Per Common Share:

 

    For the Three Months Ended June 30,  
    2016     2015  
($ in thousands except per share amounts)   Income 
(Numer- 
ator)
    Shares 
(Denom- 
inator)
    Per Share 
Amount
    Income 
(Numer- 
ator)
    Shares 
(Denom- 
inator)
    Per Share 
Amount
 
                                     
Basic EPS                                                
Net income available to common shareholders   $ 7,580       19,921,413     $ 0.38     $ 6,032       19,778,640     $ 0.30  
                                                 
Effect of Dilutive Securities     59       772,231               58       730,315          
                                                 
Diluted EPS per common share   $ 7,639       20,693,644     $ 0.37     $ 6,090       20,508,955     $ 0.30  

 

    For the Six Months Ended June 30,  
    2016     2015  
($ in thousands except per share amounts)   Income
(Numer- 
ator)
    Shares 
(Denom- 
inator)
    Per Share
Amount
    Income 
(Numer- ator)
    Shares 
(Denom- 
inator)
    Per Share 
Amount
 
                                     
Basic EPS                                                
Net income available to 
common shareholders
  $ 14,359       19,852,580     $ 0.72     $ 12,803       19,750,316     $ 0.65  
                                                 
Effect of Dilutive Securities     117       774,432               117       731,150          
                                                 
Diluted EPS per common share   $ 14,476       20,627,012     $ 0.70     $ 12,920       20,481,466     $ 0.63  

 

For both the three and six months ended June 30, 2016, there were 16,250 options that were antidilutive because the exercise price exceeded the average market price for the period, and thus are not included in the calculation to determine the effect of dilutive securities. For the three and six months ended June 30, 2015, there were 108,214 options and 52,500 options, respectively, that were antidilutive.

XML 25 R14.htm IDEA: XBRL DOCUMENT v3.5.0.2
Securities
6 Months Ended
Jun. 30, 2016
Securities [Abstract]  
Securities

Note 6 – Securities

 

The book values and approximate fair values of investment securities at June 30, 2016 and December 31, 2015 are summarized as follows:

 

    June 30, 2016     December 31, 2015  
    Amortized     Fair     Unrealized     Amortized     Fair     Unrealized  
($ in thousands)   Cost     Value     Gains     (Losses)     Cost     Value     Gains     (Losses)  
                                                 
Securities available for sale:                                                                
  Government-sponsored enterprise securities   $ 16,000       15,992       2       (10 )     19,000       18,972       1       (29 )
  Mortgage-backed securities     168,103       169,256       1,437       (284 )     122,474       121,553       348       (1,269 )
  Corporate bonds     33,853       34,381       598       (70 )     25,216       24,946             (270 )
  Equity securities     83       133       58       (8 )     88       143       64       (9 )
Total available for sale   $ 218,039       219,762       2,095       (372 )     166,778       165,614       413       (1,577 )
                                                                 
Securities held to maturity:                                                                
  Mortgage-backed securities   $ 92,675       93,444       769             102,509       101,767             (742 )
  State and local governments     49,398       52,655       3,257             52,101       55,379       3,284       (6 )
Total held to maturity   $ 142,073       146,099       4,026             154,610       157,146       3,284       (748 )

 

All of the Company’s mortgage-backed securities were issued by government-sponsored corporations.

 

The following table presents information regarding securities with unrealized losses at June 30, 2016:

 

 ($ in thousands)   Securities in an Unrealized
Loss Position for
Less than 12 Months
    Securities in an Unrealized
Loss Position for 
More than 12 Months
    Total  
    Fair Value     Unrealized
Losses
    Fair Value     Unrealized
Losses
    Fair Value     Unrealized
Losses
 
  Government-sponsored enterprise securities   $ 9,992       7       2,997       3       12,989       10  
  Mortgage-backed securities     5,917       22       20,242       262       26,159       284  
  Corporate bonds                 930       70       930       70  
  Equity securities                 17       8       17       8  
  State and local governments                                    
      Total temporarily impaired securities   $ 15,909       29       24,186       343       40,095       372  

 

The following table presents information regarding securities with unrealized losses at December 31, 2015:

 

 ($ in thousands)   Securities in an Unrealized 
Loss Position for 
Less than 12 Months
    Securities in an Unrealized 
Loss Position for 
More than 12 Months
    Total  
    Fair Value     Unrealized
Losses
    Fair Value     Unrealized 
Losses
    Fair Value     Unrealized 
Losses
 
  Government-sponsored enterprise securities   $ 5,993       7       2,978       22       8,971       29  
  Mortgage-backed securities     150,853       1,148       27,460       863       178,313       2,011  
  Corporate bonds     24,006       210       940       60       24,946       270  
  Equity securities                 17       9       17       9  
  State and local governments     840       6                   840       6  
      Total temporarily impaired securities   $ 181,692       1,371       31,395       954       213,087       2,325  

 

In the above tables, all of the non-equity securities that were in an unrealized loss position at June 30, 2016 and December 31, 2015 are bonds that the Company has determined are in a loss position due primarily to interest rate factors and not credit quality concerns. The Company has evaluated the collectability of each of these bonds and has concluded that there is no other-than-temporary impairment. The Company does not intend to sell these securities, and it is more likely than not that the Company will not be required to sell these securities before recovery of the amortized cost.

 

The Company has also concluded that each of the equity securities in an unrealized loss position at June 30, 2016 and December 31, 2015 was in such a position due to temporary fluctuations in the market prices of the securities. The Company’s policy is to record an impairment charge for any of these equity securities that remains in an unrealized loss position for twelve consecutive months unless the amount is insignificant.

 

The book values and approximate fair values of investment securities at June 30, 2016, by contractual maturity, are summarized in the table below. Expected maturities may differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. 

 

    Securities Available for Sale     Securities Held to Maturity  
    Amortized     Fair     Amortized     Fair  
($ in thousands)   Cost     Value     Cost     Value  
                         
Debt securities                                
Due within one year   $             1,307       1,330  
Due after one year but within five years     3,000       2,997       15,795       16,590  
Due after five years but within ten years     41,853       42,366       31,127       33,552  
Due after ten years     5,000       5,010       1,169       1,183  
Mortgage-backed securities     168,103       169,256       92,675       93,444  
Total debt securities     217,956       219,629       142,073       146,099  
                                 
Equity securities     83       133              
Total securities   $ 218,039       219,762       142,073       146,099  

 

At June 30, 2016 and December 31, 2015 investment securities with carrying values of $141,155,000 and $141,379,000, respectively, were pledged as collateral for public deposits.

 

In the first half of 2016, the Company received proceeds from sales of securities of $8,000 and recorded $3,000 in gains from the sales. The Company recorded no gains or losses on securities during the first half of 2015.

 

The aggregate carrying amount of cost-method investments was $16,881,000 and $15,453,000 at June 30, 2016 and 2015, respectively, which is recorded within the line item “other assets” on the Company’s Consolidated Balance Sheets. These investments are comprised of Federal Home Loan Bank (“FHLB”) stock and Federal Reserve Bank of Richmond (“FRB”) stock. The FHLB stock had a cost and fair value of $9,825,000 and $8,421,000 at June 30, 2016 and 2015, respectively, and serves as part of the collateral for the Company’s line of credit with the FHLB and is also a requirement for membership in the FHLB system. The FRB stock had a cost and fair value of $7,056,000 and $7,032,000 at June 30, 2016 and 2015, respectively. Periodically, both the FHLB and FRB recalculate the Company’s required level of holdings, and the Company either buys more stock or the redeems a portion of the stock at cost. The Company determined that neither stock was impaired at either period end.

XML 26 R15.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information
6 Months Ended
Jun. 30, 2016
Loans and Asset Quality Information [Abstract]  
Loans and Asset Quality Information

Note 7 – Loans and Asset Quality Information

 

Certain loans and foreclosed real estate that were acquired in FDIC-assisted transactions are covered by loss share agreements between the FDIC and the Company’s banking subsidiary, First Bank, which afford First Bank significant loss protection - see Note 2 to the financial statements included in the Company’s 2011 Annual Report on Form 10-K for detailed information regarding these transactions. Because of the loss protection provided by the FDIC, the risk of the loans and foreclosed real estate that are covered by loss share agreements are significantly different from those assets not covered under the loss share agreements. Accordingly, the Company presents separately loans subject to the loss share agreements as “covered loans” in the information below and loans that are not subject to the loss share agreements as “non-covered loans.”

 

On July 1, 2014, the loss share provisions associated with non-single family assets associated with the 2009 failed bank acquisition of Cooperative Bank expired, and the associated assets were reclassified as non-covered. On April 1, 2016, the loss share provisions of another agreement expired, which related to the non-single family assets of The Bank of Asheville, a failed bank acquisition from January 2011. Accordingly, the remaining balances associated with those loans and foreclosed real estate were reclassified from the covered portfolio to the non-covered portfolio on April 1, 2016. The Company bears all future losses on this portfolio of loans and foreclosed real estate. Immediately prior to the transfer to non-covered status, the loans in this portfolio had a carrying value of $17.7 million and the foreclosed real estate in this portfolio had a carrying value of $1.2 million. Of the $17.7 million in loans that lost loss share protection, approximately $2.8 million were on nonaccrual status as of April 1, 2016. Additionally, approximately $0.3 million in allowance for loan losses associated with this portfolio of loans was transferred to the allowance for loan losses for non-covered loans on April 1, 2016.

 

The following is a summary of the major categories of total loans outstanding:

 

 ($ in thousands)   June 30, 2016     December 31, 2015     June 30, 2015  
    Amount     Percentage     Amount     Percentage     Amount     Percentage  
All  loans (non-covered and covered):                                    
                                     
Commercial, financial, and agricultural   $ 244,862       9%     $ 202,671       8%     $ 179,909       7%  
Real estate – construction, land development & other land loans     310,993       12%       308,969       12%       282,262       12%  
Real estate – mortgage – residential (1-4 family) first mortgages     751,446       29%       768,559       31%       777,515       32%  
Real estate – mortgage – home equity loans / lines of credit     238,794       9%       232,601       9%       220,534       9%  
Real estate – mortgage – commercial and other     1,000,578       39%       957,587       38%       904,496       38%  
Installment loans to individuals     50,387       2%       47,666       2%       47,244       2%  
    Subtotal     2,597,060       100%       2,518,053       100%       2,411,960       100%  
Unamortized net deferred loan costs     1,074               873               819          
    Total loans   $ 2,598,134             $ 2,518,926             $ 2,412,779          

 

 

The following is a summary of the major categories of non-covered loans outstanding:

 

($ in thousands)   June 30, 2016     December 31, 2015     June 30, 2015  
    Amount     Percentage     Amount     Percentage     Amount     Percentage  
Non-covered loans:                                    
                                     
Commercial, financial, and agricultural   $ 244,862       10%     $ 201,798       8%     $ 178,756       8%  
Real estate – construction, land development & other land loans     310,832       12%       305,228       13%       278,406       12%  
Real estate – mortgage – residential (1-4 family) first mortgages     683,367       27%       692,902       29%       694,794       30%  
Real estate – mortgage – home equity loans / lines of credit     228,906       9%       221,995       9%       208,778       9%  
Real estate – mortgage – commercial and other     1,000,319       40%       945,823       39%       890,158       39%  
Installment loans to individuals     50,387       2%       47,666       2%       47,244       2%  
    Subtotal     2,518,673       100%       2,415,412       100%       2,298,136       100%  
Unamortized net deferred loan costs     1,074               873               819          
    Total non-covered loans   $ 2,519,747             $ 2,416,285             $ 2,298,955          

 

The carrying amount of the covered loans at June 30, 2016 consisted of impaired and nonimpaired purchased loans (as determined on the date of acquisition), as follows:

 

 
($ in thousands)
  Impaired 
Purchased
Loans –
Carrying 
Value
    Impaired 
Purchased
Loans –
Unpaid 
Principal 
Balance
    Nonimpaired
Purchased 
Loans – 
Carrying 
Value
    Nonimpaired 
Purchased
Loans - 
Unpaid 
Principal 
Balance
    Total 
Covered
Loans – 
Carrying 
Value
    Total 
Covered 
Loans – 
Unpaid 
Principal 
Balance
 
Covered loans:                                                
Commercial, financial, and agricultural   $                                
Real estate – construction, land development & other land loans                 161       162       161       162  
Real estate – mortgage – residential (1-4 family) first mortgages           33       68,079       78,940       68,079       78,973  
Real estate – mortgage – home equity loans / lines of credit     6       14       9,882       11,140       9,888       11,154  
Real estate – mortgage – commercial and other                 259       294       259       294  
Installment loans to individuals                                    
     Total   $ 6       47       78,381       90,536       78,387       90,583  

 

The carrying amount of the covered loans at December 31, 2015 consisted of impaired and nonimpaired purchased loans (as determined on the date of the acquisition), as follows:

 

($ in thousands)   Impaired
Purchased 
Loans – 
Carrying 
Value
    Impaired
Purchased
Loans – 
Unpaid 
Principal 
Balance
    Nonimpaired
Purchased 
Loans – 
Carrying 
Value
    Nonimpaired
Purchased 
Loans - 
Unpaid 
Principal 
Balance
    Total 
Covered 
Loans – 
Carrying 
Value
    Total 
Covered 
Loans – 
Unpaid 
Principal 
Balance
 
Covered loans:                                    
Commercial, financial, and agricultural   $             873       886       873       886  
Real estate – construction, land development & other land loans     277       365       3,464       3,457       3,741       3,822  
Real estate – mortgage – residential (1-4 family) first mortgages     102       633       75,555       88,434       75,657       89,067  
Real estate – mortgage – home equity loans / lines of credit     7       14       10,599       12,099       10,606       12,113  
Real estate – mortgage – commercial and other     1,003       3,136       10,761       11,458       11,764       14,594  
     Total   $ 1,389       4,148       101,252       116,334       102,641       120,482  

 

 

The following table presents information regarding covered purchased nonimpaired loans since December 31, 2014. The amounts include principal only and do not reflect accrued interest as of the date of the acquisition or beyond.

 

($ in thousands)

 

     
Carrying amount of nonimpaired covered loans at December 31, 2014   $ 125,644  
Principal repayments     (30,238 )
Transfers to foreclosed real estate     (1,211 )
Net loan (charge-offs) / recoveries     2,306  
Accretion of loan discount     4,751  
Carrying amount of nonimpaired covered loans at December 31, 2015     101,252  
Principal repayments     (7,997 )
Transfers to foreclosed real estate     (1,036 )
Transfer to non-covered loans due to expiration of loss-share agreement     (17,530 )
Net loan (charge-offs) / recoveries     1,784  
Accretion of loan discount     1,908  
Carrying amount of nonimpaired covered loans at June 30, 2016   $ 78,381  

 

As reflected in the table above, the Company accreted $1,908,000 of the loan discount on covered purchased nonimpaired loans into interest income during the first six months of 2016. As of June 30, 2016, there was remaining loan discount of $11,179,000 related to covered purchased accruing loans. If these loans continue to be repaid by the borrowers, the Company will accrete the remaining loan discount into interest income over the covered lives of the respective loans. In such circumstances, a corresponding entry to reduce the indemnification asset will be recorded amounting to approximately 80% of the loan discount accretion, which reduces noninterest income. At June 30, 2016, the Company also had $581,000 of loan discount related to covered purchased nonaccruing loans. It is not expected that a significant amount of this discount will be accreted, as it represents estimated losses on these loans.

 

Also, the Company accreted $43,000 of loan discount on non-covered purchased nonimpaired loans into interest income during the first six months of 2016. As of June 30, 2016, there was a remaining loan discount of $208,000 related to non-covered purchased accruing loans, which will be accreted into interest income over the lives of the respective loans. At June 30, 2016, the Company also had $391,000 of loan discount related to non-covered purchased nonaccruing loans, which the Company does not expect will be accreted into income.

 

The following table presents information regarding all purchased impaired loans since December 31, 2014, the majority of which are covered loans. The Company has applied the cost recovery method to all purchased impaired loans at their respective acquisition dates due to the uncertainty as to the timing of expected cash flows, as reflected in the following table.

 

 

($ in thousands)

 

 

 

Purchased Impaired Loans

  Contractual
Principal 
Receivable
    Fair Market
Value 
Adjustment – 
Write Down 
(Nonaccretable
Difference)
    Carrying 
Amount
 
Balance at December 31, 2014   $ 5,859       3,262       2,597  
Change due to payments received     (634 )     (102 )     (532 )
Transfer to foreclosed real estate     (431 )     (336 )     (95 )
Other     (3 )     (3 )      
Balance at December 31, 2015   $ 4,791       2,821       1,970  
Change due to payments received     (3,392 )     (2,253 )     (1,139 )
Change due to loan charge-off     (394 )     (324 )     (70 )
Balance at June 30, 2016   $ 1,005       244       761  

 

Because of the uncertainty of the expected cash flows, the Company is accounting for each purchased impaired loan under the cost recovery method, in which all cash payments are applied to principal. Thus, there is no accretable yield associated with the above loans. During the three months ended 2016, the Company received $1,062,000 in payments that exceeded the carrying amount of the related purchased impaired loans, of which $741,000 was recognized as discount accretion loan interest income and $321,000 was recorded as additional loan interest income. For the six month period ended June 30, 2016, the Company received $1,108,000 in payments that exceeded the carrying amount of the related purchased impaired loans, of which $780,000 was recognized as discount accretion loan interest income and $328,000 was recorded as additional loan interest income. No such excess payments were received in the first six months of 2015.

 

Nonperforming assets are defined as nonaccrual loans, restructured loans, loans past due 90 or more days and still accruing interest, nonperforming loans held for sale, and foreclosed real estate. Nonperforming assets are summarized as follows:

 

 

ASSET QUALITY DATA ($ in thousands)

  June 30, 
2016
    December 31,
2015
    June 30, 
2015
 
                   
Non-covered nonperforming assets                        
Nonaccrual loans   $ 33,781     $ 39,994     $ 44,123  
Restructured loans - accruing     25,826       28,011       32,059  
Accruing loans > 90 days past due                  
     Total non-covered nonperforming loans     59,607       68,005       76,182  
Foreclosed real estate     10,221       9,188       9,954  
Total non-covered nonperforming assets   $ 69,828     $ 77,193     $ 86,136  
                         
Covered nonperforming assets                        
Nonaccrual loans (1)   $ 4,194     $ 7,816     $ 7,378  
Restructured loans - accruing     3,445       3,478       3,910  
Accruing loans > 90 days past due                  
     Total covered nonperforming loans     7,639       11,294       11,288  
Foreclosed real estate     385       806       1,945  
Total covered nonperforming assets   $ 8,024     $ 12,100     $ 13,233  
                         
     Total nonperforming assets   $ 77,852     $ 89,293     $ 99,369  

 

(1) At June 30, 2016, December 31, 2015, and June 30, 2015, the contractual balance of the nonaccrual loans covered by FDIC loss share agreements was $5.0 million, $12.3 million, and $12.7 million, respectively.

 

At June 30, 2016 and 2015, the Company had $1.8 million and $5.1 million in residential mortgage loans in process of foreclosure, respectively.

 

The following table presents the Company’s nonaccrual loans as of June 30, 2016.

 

($ in thousands)   Non-covered     Covered     Total  
Commercial, financial, and agricultural   $ 2,870             2,870  
Real estate – construction, land development & other land loans     4,154             4,154  
Real estate – mortgage – residential (1-4 family) first mortgages     17,315       3,841       21,156  
Real estate – mortgage – home equity loans / lines of credit     2,406       353       2,759  
Real estate – mortgage – commercial and other     6,821             6,821  
Installment loans to individuals     215             215  
  Total   $ 33,781       4,194       37,975  
                         

 

The following table presents the Company’s nonaccrual loans as of December 31, 2015.

 

($ in thousands)   Non-covered     Covered     Total  
Commercial, financial, and agricultural   $ 2,964             2,964  
Real estate – construction, land development & other land loans     4,652       52       4,704  
Real estate – mortgage – residential (1-4 family) first mortgages     18,822       5,007       23,829  
Real estate – mortgage – home equity loans / lines of credit     3,142       383       3,525  
Real estate – mortgage – commercial and other     10,197       2,374       12,571  
Installment loans to individuals     217             217  
  Total   $ 39,994       7,816       47,810  
                         

 

The following table presents an analysis of the payment status of the Company’s loans as of June 30, 2016.

 

($ in thousands)   30-59
Days Past 
Due
    60-89 Days
Past Due
    Nonaccrual 
Loans
    Current     Total Loans
Receivable
 
Non-covered loans                                        
                                         
Commercial, financial, and agricultural   $ 195       1,643       2,870       240,154       244,862  
Real estate – construction, land development & other land loans     961       203       4,154       305,514       310,832  
Real estate – mortgage – residential (1-4 family) first mortgages     2,574       763       17,315       662,715       683,367  
Real estate – mortgage – home equity loans / lines of credit     765       221       2,406       225,514       228,906  
Real estate – mortgage – commercial and other     1,998       373       6,821       991,127       1,000,319  
Installment loans to individuals     368       253       215       49,551       50,387  
  Total non-covered   $ 6,861       3,456       33,781       2,474,575       2,518,673  
Unamortized net deferred loan costs                                     1,074  
           Total non-covered loans                                   $ 2,519,747  
                                         
Covered loans   $ 172       1,473       4,194       72,548       78,387  
                                         
                Total loans   $ 7,033       4,929       37,975       2,547,123       2,598,134  

 

The Company had no non-covered or covered loans that were past due greater than 90 days and accruing interest at June 30, 2016.

 

The following table presents an analysis of the payment status of the Company’s loans as of December 31, 2015.

 

($ in thousands)   30-59 
Days Past 
Due
    60-89 Days 
Past Due
    Nonaccrual 
Loans
    Current     Total Loans 
Receivable
 
Non-covered loans                                        
                                         
Commercial, financial, and agricultural   $ 999       127       2,964       197,708       201,798  
Real estate – construction, land development & other land loans     1,512       429       4,652       298,635       305,228  
Real estate – mortgage – residential (1-4 family) first mortgages     12,130       3,212       18,822       658,738       692,902  
Real estate – mortgage – home equity loans / lines of credit     1,276       105       3,142       217,472       221,995  
Real estate – mortgage – commercial and other     5,591       864       10,197       929,171       945,823  
Installment loans to individuals     278       255       217       46,916       47,666  
  Total non-covered   $ 21,786       4,992       39,994       2,348,640       2,415,412  
Unamortized net deferred loan costs                                     873  
           Total non-covered loans                                   $ 2,416,285  
                                         
Covered loans   $ 3,313       402       7,816       91,110       102,641  
                                         
                Total loans   $ 25,099       5,394       47,810       2,439,750       2,518,926  

 

The Company had no non-covered or covered loans that were past due greater than 90 days and accruing interest at December 31, 2015.

 

The following table presents the activity in the allowance for loan losses for non-covered loans for the three and six months ended June 30, 2016.

 

($ in thousands)   Commercial, 
Financial, and 
Agricultural
    Real Estate – 
Construction, 
Land 
Development, & 
Other Land 
Loans
    Real Estate
– Residential
(1-4 Family) 
First 
Mortgages
    Real Estate – 
Mortgage 
– Home 
Equity 
Lines of 
Credit
    Real Estate – 
Mortgage – 
Commercial 
and Other
    Installment
Loans to 
Individuals
    Unallo-
cated
    Total  
                                                 
As of and for the three months ended June 30, 2016
                                                                 
Beginning balance   $ 4,679       3,345       7,374       2,267       5,940       1,202       442       25,249  
Charge-offs     (57 )     (137 )     (740 )     (285 )     (396 )     (238 )           (1,853 )
Recoveries     216       121       61       64       155       140             757  
Transfer from covered category     56       62       51       12       126                   307  
Provisions     (612 )     (492 )     1,114       227       (254 )     376       130       489  
Ending balance   $ 4,282       2,899       7,860       2,285       5,571       1,480       572       24,949  
                                                                 
As of and for the six months ended June 30, 2016
                                                                 
Beginning balance   $ 4,742       3,754       7,832       2,893       5,816       1,051       696       26,784  
Charge-offs     (734 )     (477 )     (2,691 )     (734 )     (562 )     (518 )           (5,716 )
Recoveries     302       211       295       119       285       253             1,465  
Transfer from covered category     56       62       51       12       126                   307  
Provisions     (84 )     (651 )     2,373       (5 )     (94 )     694       (124 )     2,109  
Ending balance   $ 4,282       2,899       7,860       2,285       5,571       1,480       572       24,949  
                                                                 
Ending balances as of June 30, 2016:  Allowance for loan losses
                                                                 
Individually evaluated for impairment   $ 14       172       1,263       11       478       70             2,008  
                                                                 
Collectively evaluated for impairment   $ 4,268       2,727       6,597       2,274       5,093       1,410       572       22,941  
                                                                 
Loans acquired with deteriorated credit quality   $                                            
                                                                 
Loans receivable as of June 30, 2016:
                                                                 
Ending balance – total   $ 244,862       310,832       683,367       228,906       1,000,319       50,387             2,518,673  
Unamortized net deferred loan costs                                                             1,074  
Total non-covered loans                                                           $ 2,519,747  
                                                                 
Ending balances as of June 30, 2016: Loans
                                                                 
Individually evaluated for impairment   $ 859       4,614       20,201       383       12,845       72             38,974  
                                                                 
Collectively evaluated for impairment   $ 244,003       306,218       662,959       228,523       986,926       50,315             2,478,944  
                                                                 
Loans acquired with deteriorated credit quality   $             207             548                   755  

 

The following table presents the activity in the allowance for loan losses for non-covered loans for the year ended December 31, 2015.

 

 

($ in thousands)   Commercial, 
Financial, and 
Agricultural
    Real Estate – 
Construction, 
Land
Development, & 
Other Land 
Loans
    Real Estate 
– Residential 
(1-4 Family) 
First
Mortgages
    Real
Estate – 
Mortgage 
– Home 
Equity 
Lines of 
Credit
    Real Estate – 
Mortgage – 
Commercial 
and Other
    Installment 
Loans to 
Individuals
    Unallo-
cated
    Total  
                                                 
As of and for the year ended December 31, 2015
                                                                 
Beginning balance   $ 6,769       8,158       10,136       4,753       6,466       1,916       147       38,345  
Charge-offs     (2,908 )     (3,034 )     (4,904 )     (1,054 )     (2,804 )     (2,411 )           (17,115 )
Recoveries     831       998       279       121       904       413             3,546  
Provisions     50       (2,368 )     2,321       (927 )     1,250       1,133       549       2,008  
Ending balance   $ 4,742       3,754       7,832       2,893       5,816       1,051       696       26,784  
                                                                 
Ending balances as of December 31, 2015:  Allowance for loan losses
                                                                 
Individually evaluated for impairment   $ 304       241       1,440       321       336       45             2,687  
                                                                 
Collectively evaluated for impairment   $ 4,438       3,513       6,392       2,572       5,480       1,006       696       24,097  
                                                                 
Loans acquired with deteriorated credit quality   $                                            
                                                                 
Loans receivable as of December 31, 2015:
                                                                 
Ending balance – total   $ 201,798       305,228       692,902       221,995       945,823       47,666             2,415,412  
Unamortized net deferred loan costs                                                             873  
Total non-covered loans                                                           $ 2,416,285  
                                                                 
Ending balances as of December 31, 2015: Loans
                                                                 
Individually evaluated for impairment   $ 992       4,898       21,325       758       16,605       76             44,654  
                                                                 
Collectively evaluated for impairment   $ 200,806       300,330       671,577       221,237       928,637       47,590             2,370,177  
                                                                 
Loans acquired with deteriorated credit quality   $                         581                   581  

 

The following table presents the activity in the allowance for loan losses for non-covered loans for the three and six months ended June 30, 2015.

 

($ in thousands)   Commercial, 
Financial, and
Agricultural
    Real Estate – 
Construction, 
Land
Development, & 
Other Land 
Loans
    Real Estate 
– Residential 
(1-4 Family) 
First 
Mortgages
    Real 
Estate – 
Mortgage 
– Home 
Equity 
Lines of 
Credit
    Real Estate – 
Mortgage – 
Commercial 
and Other
    Installment 
Loans to 
Individuals
    Unallo-
cated
    Total  
                                                 
As of and for the three months ended June 30, 2015
                                                                 
Beginning balance   $ 5,738       7,144       9,327       3,983       5,709       1,565       304       33,770  
Charge-offs     (1,407 )     (702 )     (818 )     (522 )     (1,026 )     (928 )           (5,403 )
Recoveries     256       52       146       37       193       103             787  
Provisions     800       (1,067 )     (573 )     (115 )     788       376       792       1,001  
Ending balance   $ 5,387       5,427       8,082       3,383       5,664       1,116       1,096       30,155  
                                                                 
As of and for the six months ended June 30, 2015
                                                                 
Beginning balance   $ 6,769       8,158       10,136       4,753       6,466       1,916       147       38,345  
Charge-offs     (2,301 )     (2,008 )     (2,257 )     (597 )     (2,022 )     (1,578 )           (10,763 )
Recoveries     343       318       159       58       395       195             1,468  
Provisions     576       (1,041 )     44       (831 )     825       583       949       1,105  
Ending balance   $ 5,387       5,427       8,082       3,383       5,664       1,116       1,096       30,155  
                                                                 
Ending balances as of June 30, 2015:  Allowance for loan losses
                                                                 
Individually evaluated for impairment   $ 88       393       1,458       75       560       46             2,620  
                                                                 
Collectively evaluated for impairment   $ 5,299       5,034       6,624       3,308       5,104       1,070       1,096       27,535  
                                                                 
Loans acquired with deteriorated credit quality   $                                            
                                                                 
Loans receivable as of June 30, 2015:
                                                                 
Ending balance – total   $ 178,756       278,406       694,794       208,778       890,158       47,244             2,298,136  
Unamortized net deferred loan costs                                                             819  
Total non-covered loans                                                           $ 2,298,955  
                                                                 
Ending balances as of June 30, 2015: Loans
                                                                 
Individually evaluated for impairment   $ 686       5,377       19,847       527       20,454       79             46,970  
                                                                 
Collectively evaluated for impairment   $ 178,070       273,029       674,947       208,251       869,090       47,165             2,250,552  
                                                                 
Loans acquired with deteriorated credit quality   $                         614                   614  

 

The following table presents the activity in the allowance for loan losses for covered loans for the three and six months ended June 30, 2016.

 

($ in thousands)   Covered Loans  
       
As of and for the three months ended June 30, 2016
Beginning balance   $ 1,399  
Charge-offs     (4 )
Recoveries     756  
Transferred to non-covered     (307 )
Provisions (reversal) for loan losses     (770 )
Ending balance   $ 1,074  
         
As of and for the six months ended June 30, 2016        
Beginning balance   $ 1,799  
Charge-offs     (245 )
Recoveries     1,959  
Transferred to non-covered     (307 )
Provisions (reversal) for loan losses     (2,132 )
Ending balance   $ 1,074  
         
Ending balances as of June 30, 2016:  Allowance for loan losses
 
Individually evaluated for impairment   $ 443  
Collectively evaluated for impairment     631  
Loans acquired with deteriorated credit quality      
         
Loans receivable as of June 30, 2016:
         
Ending balance – total   $ 78,387  
         
Ending balances as of June 30, 2016: Loans
         
Individually evaluated for impairment   $ 5,500  
Collectively evaluated for impairment     72,881  
Loans acquired with deteriorated credit quality     6  

 

 

The following table presents the activity in the allowance for loan losses for covered loans for the year ended December 31, 2015.

 

($ in thousands)   Covered Loans  
       
As of and for the year ended December 31, 2015
Beginning balance   $ 2,281  
Charge-offs     (1,316 )
Recoveries     3,622  
Provision (reversal) for loan losses     (2,788 )
Ending balance   $ 1,799  
 
Ending balances as of December 31, 2015: Allowance for loan losses
 
Individually evaluated for impairment   $ 554  
Collectively evaluated for impairment     1,175  
Loans acquired with deteriorated credit quality     70  
         
Loans receivable as of December 31, 2015:
         
Ending balance – total   $ 102,641  
         
Ending balances as of December 31, 2015: Loans
         
Individually evaluated for impairment   $ 7,055  
Collectively evaluated for impairment     94,197  
Loans acquired with deteriorated credit quality     1,389  

 

The following table presents the activity in the allowance for loan losses for covered loans for the three and six months ended June 30, 2015.

 

($ in thousands)   Covered Loans  
       
As of and for the three months ended June 30, 2015
Beginning balance   $ 2,226  
Charge-offs     (676 )
Recoveries     545  
Provisions (reversal) for loan losses     (160 )
Ending balance   $ 1,935  
         
As of and for the six months ended June 30, 2015
Beginning balance   $ 2,281  
Charge-offs     (1,116 )
Recoveries     1,198  
Provisions (reversal) for loan losses     (428 )
Ending balance   $ 1,935  
 
Ending balances as of June 30, 2015: Allowance for loan losses
 
Individually evaluated for impairment   $ 455  
Collectively evaluated for impairment     1,434  
Loans acquired with deteriorated credit quality     46  
         
Loans receivable as of June 30, 2015:
         
Ending balance – total   $ 113,824  
         
Ending balances as of June 30, 2015: Loans
         
Individually evaluated for impairment   $ 6,763  
Collectively evaluated for impairment     105,290  
Loans acquired with deteriorated credit quality     1,771  

 

The following table presents loans individually evaluated for impairment as of June 30, 2016.

 

 

($ in thousands)

 

  Recorded
Investment
    Unpaid 
Principal 
Balance
    Related 
Allowance
    Average 
Recorded 
Investment
 
Non-covered loans with no related allowance recorded:                                
                                 
Commercial, financial, and agricultural   $ 766       845             604  
                                 
Real estate – mortgage – construction, land development & other land loans     3,764       7,420             3,863  
                                 
Real estate – mortgage – residential (1-4 family) first mortgages     9,137       10,634             8,690  
                                 
Real estate – mortgage –home equity loans / lines of credit     145       203             139  
                                 
Real estate – mortgage –commercial and other     8,536       9,717             9,669  
                                 
Installment loans to individuals     2       3             2  
Total non-covered impaired loans with no allowance   $ 22,350       28,822             22,967  
                                 
Total covered impaired loans with no allowance   $ 3,000       3,361             3,991  
                                 
Total impaired loans with no allowance recorded   $ 25,350       32,183             26,958  
                                 
Non-covered  loans with an allowance recorded:                                
                                 
Commercial, financial, and agricultural   $ 93       111       14       286  
                                 
Real estate – mortgage – construction, land development & other land loans     850       873       172       886  
                                 
Real estate – mortgage – residential (1-4 family) first mortgages     11,271       11,447       1,263       12,196  
                                 
Real estate – mortgage –home equity loans / lines of credit     238       238       11       420  
                                 
Real estate – mortgage –commercial and other     4,857       5,036       478       5,490  
                                 
Installment loans to individuals     70       80       70       82  
Total non-covered impaired loans with allowance   $ 17,379       17,785       2,008       19,360  
                                 
Total covered impaired loans with allowance   $ 2,506       2,665       443       2,750  
                                 
Total impaired loans with an allowance recorded   $ 19,885       20,450       2,451       22,110  

 

Interest income recorded on non-covered and covered impaired loans during the six months ended June 30, 2016 was insignificant.

 

The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2015.

 

 

($ in thousands)

 

  Recorded
Investment
    Unpaid 
Principal 
Balance
    Related
Allowance
    Average 
Recorded 
Investment
 
Non-covered loans with no related allowance recorded:                                
                                 
Commercial, financial, and agricultural   $ 360       422             194  
                                 
Real estate – mortgage – construction, land development & other land loans     3,944       7,421             4,636  
                                 
Real estate – mortgage – residential (1-4 family) first mortgages     8,713       9,803             7,309  
                                 
Real estate – mortgage –home equity loans / lines of credit     114       161             425  
                                 
Real estate – mortgage –commercial and other     11,565       13,144             16,590  
                                 
Installment loans to individuals     3       4             5  
Total non-covered impaired loans with no allowance   $ 24,699       30,955             29,159  
                                 
Total covered impaired loans with no allowance   $ 5,231       8,529             5,607  
                                 
Total impaired loans with no allowance recorded   $ 29,930       39,484             34,766  
                                 
Non-covered  loans with an allowance recorded:                                
                                 
Commercial, financial, and agricultural   $ 632       662       304       607  
                                 
Real estate – mortgage – construction, land development & other land loans     954       976       241       1,585  
                                 
Real estate – mortgage – residential (1-4 family) first mortgages     12,612       12,768       1,440       12,931  
                                 
Real estate – mortgage –home equity loans / lines of credit     644       645       321       430  
                                 
Real estate – mortgage –commercial and other     5,621       5,806       336       4,353  
                                 
Installment loans to individuals     73       80       45       75  
Total non-covered impaired loans with allowance   $ 20,536       20,937       2,687       19,981  
                                 
Total covered impaired loans with allowance   $ 3,213       3,476       624       3,742  
                                 
Total impaired loans with an allowance recorded   $ 23,749       24,413       3,311       23,723  

 

Interest income recorded on non-covered and covered impaired loans during the year ended December 31, 2015 was insignificant.

 

The Company tracks credit quality based on its internal risk ratings. Upon origination a loan is assigned an initial risk grade, which is generally based on several factors such as the borrower’s credit score, the loan-to-value ratio, the debt-to-income ratio, etc. Loans that are risk-graded as substandard during the origination process are declined. After loans are initially graded, they are monitored regularly for credit quality based on many factors, such as payment history, the borrower’s financial status, and changes in collateral value. Loans can be downgraded or upgraded depending on management’s evaluation of these factors. Internal risk-grading policies are consistent throughout each loan type.

 

The following describes the Company’s internal risk grades in ascending order of likelihood of loss:

 

  Risk Grade Description
Pass:  
  1 Loans with virtually no risk, including cash secured loans.
  2 Loans with documented significant overall financial strength.  These loans have minimum chance of loss due to the presence of multiple sources of repayment – each clearly sufficient to satisfy the obligation.
  3 Loans with documented satisfactory overall financial strength.  These loans have a low loss potential due to presence of at least two clearly identified sources of repayment – each of which is sufficient to satisfy the obligation under the present circumstances.
  4 Loans to borrowers with acceptable financial condition.  These loans could have signs of minor operational weaknesses, lack of adequate financial information, or loans supported by collateral with questionable value or marketability.  
  5 Existing loans that meet the guidelines for a Risk Graded 6 loan, except the collateral coverage is sufficient to satisfy the debt with no risk of loss under reasonable circumstances.  
 

P

(Pass)

Consumer loans (<$500,000) that are of satisfactory credit quality with borrowers who exhibit good personal credit history, average personal financial strength and moderate debt levels.  These loans generally conform to Bank policy, but may include approved mitigated exceptions to the guidelines.  
Special Mention:  
  6 Existing loans with defined weaknesses in primary source of repayment that, if not corrected, could cause a loss to the Bank.
Classified:  
  7 An existing loan inadequately protected by the current sound net worth and paying capacity of the obligor or the collateral pledged, if any.  These loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.
  8 Loans that have a well-defined weakness that make the collection or liquidation in full highly questionable and improbable.  Loss appears imminent, but the exact amount and timing is uncertain.
  9 Loans that are considered uncollectible and are in the process of being charged-off.  This grade is a temporary grade assigned for administrative purposes until the charge-off is completed.
 

F

(Fail)

Consumer loans (<$500,000) with a well-defined weakness, such as exceptions of any kind with no mitigating factors, history of paying outside the terms of the note, insufficient income to support the current level of debt, etc.  

 

In the second quarter of 2016, the Company made nonsubstantive changes to the numerical scale of risk grades. Previously, the description for grade 5 noted above was assigned a grade of 9. As a result of the change, most grade 9 loans were assigned a grade of 5 and the numerical grade assignments for the previous grades of 5 and below were moved one row lower in the descriptions. In the tables below, prior periods have been adjusted to be consistent with the presentation for June 30, 2016.

 

Also during the second quarter of 2016, the Company introduced a pass/fail grade system for smaller balance consumer loans (balances less than $500,000), primarily residential home loans and installment consumer loans. Accordingly, all such consumer loans are no longer graded on a scale of 1-9, but instead are assigned a rating of “pass” or “fail”, with “fail” loans being considered as classified loans. Substantially all of the $25.4 million of non-covered consumer loans and $4.3 million of covered consumer loans that had previously been assigned a grade of “special mention” were assigned a rating of “pass”, which impacts the comparability of the June 30, 2016 table below to prior periods.

 

The changes noted above had no significant impact on the Company’s allowance for loan loss calculation.

 

The June 30, 2016 table below also reflects the impact of the previously discussed reclassification of approximately $17.7 million of loans from the covered category to the non-covered category upon the expiration of the loss-share provisions with the FDIC. Approximately $3.8 million of these loans had “classified” grades.

 

The following table presents the Company’s recorded investment in loans by credit quality indicators as of June 30, 2016.

 

($ in thousands)      
    Pass     Special
Mention Loans
    Classified 
Accruing Loans
    Classified 
Nonaccrual 
Loans
    Total  
Non-covered loans:                                        
Commercial, financial, and agricultural   $ 235,000       2,855       4,137       2,870       244,862  
Real estate – construction, land development & other land loans     288,017       9,781       8,880       4,154       310,832  
Real estate – mortgage – residential (1-4 family) first mortgages     620,516       17,020       28,516       17,315       683,367  
Real estate – mortgage – home equity loans / lines of credit     220,230       1,373       4,897       2,406       228,906  
Real estate – mortgage – commercial and other     948,844       29,744       14,910       6,821       1,000,319  
Installment loans to individuals     49,583       352       237       215       50,387  
  Total   $ 2,362,190       61,125       61,577       33,781       2,518,673  
Unamortized net deferred loan costs                                     1,074  
Total non-covered  loans                                   $ 2,519,747  
                                         
Total covered loans   $ 58,153       1,745       14,295       4,194     $ 78,387  
                                         
               Total loans   $ 2,420,343       62,870       75,872       37,975     $ 2,598,134  

 

 

The following table presents the Company’s recorded investment in loans by credit quality indicators as of December 31, 2015.

 

($ in thousands)      
    Pass     Special 
Mention Loans
    Classified 
Accruing Loans
    Classified
Nonaccrual 
Loans
    Total  
Non-covered loans:                                        
Commercial, financial, and agricultural   $ 191,905       3,453       3,476       2,964       201,798  
Real estate – construction, land development & other land loans     277,300       13,296       9,980       4,652       305,228  
Real estate – mortgage – residential (1-4 family) first mortgages     609,880       34,407       29,793       18,822       692,902  
Real estate – mortgage – home equity loans / lines of credit     207,335       7,045       4,473       3,142       221,995  
Real estate – mortgage – commercial and other     889,871       32,022       13,733       10,197       945,823  
Installment loans to individuals     46,209       776       464       217       47,666  
  Total   $ 2,222,500       90,999       61,919       39,994       2,415,412  
Unamortized net deferred loan costs                                     873  
Total non-covered  loans                                   $ 2,416,285  
                                         
Total covered loans   $ 71,398       7,423       16,004       7,816     $ 102,641  
                                         
               Total loans   $ 2,293,898       98,422       77,923       47,810     $ 2,518,926  

 

 

Troubled Debt Restructurings

 

The restructuring of a loan is considered a “troubled debt restructuring” if both (i) the borrower is experiencing financial difficulties and (ii) the creditor has granted a concession. Concessions may include interest rate reductions or below market interest rates, principal forgiveness, restructuring amortization schedules and other actions intended to minimize potential losses.

 

The vast majority of the Company’s troubled debt restructurings modified related to interest rate reductions combined with restructured amortization schedules. The Company does not generally grant principal forgiveness.

 

All loans classified as troubled debt restructurings are considered to be impaired and are evaluated as such for determination of the allowance for loan losses. The Company’s troubled debt restructurings can be classified as either nonaccrual or accruing based on the loan’s payment status. The troubled debt restructurings that are nonaccrual are reported within the nonaccrual loan totals presented previously.

 

The following table presents information related to loans modified in a troubled debt restructuring during the three months ended June 30, 2016 and 2015.

 

($ in thousands)   For the three months ended 
June 30, 2016
    For the three months ended 
June 30, 2015
 
    Number of
Contracts
    Pre-
Modification 
Restructured 
Balances
    Post-
Modification 
Restructured 
Balances
    Number of 
Contracts
    Pre-
Modification 
Restructured 
Balances
    Post-
Modification 
Restructured 
Balances
 
Non-covered TDRs – Accruing                                                
Commercial, financial, and agricultural         $     $       1       8       8  
Real estate – construction, land development & other land loans                                    
Real estate – mortgage – residential (1-4 family) first mortgages                       1       152       152  
Real estate – mortgage – home equity loans / lines of credit                                    
Real estate – mortgage – commercial and other                                    
Installment loans to individuals                                    
                                                 
Non-covered TDRs – Nonaccrual                                                
Commercial, financial, and agricultural                                    
Real estate – construction, land development & other land loans                                    
Real estate – mortgage – residential (1-4 family) first mortgages                                    
Real estate – mortgage – home equity loans / lines of credit                                    
Real estate – mortgage – commercial and other                                    
Installment loans to individuals                                    
Total non-covered TDRs arising during period                       2       160       160  
                                                 
Total covered TDRs arising during period– Accruing         $     $           $     $  
Total covered TDRs arising during period – Nonaccrual                                    
Total TDRs arising during period         $     $       2     $ 160     $ 160  

 

The following table presents information related to loans modified in a troubled debt restructuring during the six months ended June 30, 2016 and 2015.

 

($ in thousands)   For the six months ended 
June 30, 2016
    For the six months ended 
June 30, 2015
 
    Number of
Contracts
    Pre-
Modification 
Restructured 
Balances
    Post-
Modification 
Restructured 
Balances
    Number of 
Contracts
    Pre-
Modification 
Restructured 
Balances
    Post-
Modification 
Restructured 
Balances
 
Non-covered TDRs – Accruing                                                
Commercial, financial, and agricultural         $     $       1     $ 8     $ 8  
Real estate – construction, land development & other land loans                                    
Real estate – mortgage – residential (1-4 family) first mortgages                       2       265       265  
Real estate – mortgage – home equity loans / lines of credit                                    
Real estate – mortgage – commercial and other                       1       51       51  
Installment loans to individuals                                    
                                                 
Non-covered TDRs – Nonaccrual                                                
Commercial, financial, and agricultural                                    
Real estate – construction, land development & other land loans                       1       1       1  
Real estate – mortgage – residential (1-4 family) first mortgages                       3       304       304  
Real estate – mortgage – home equity loans / lines of credit                                    
Real estate – mortgage – commercial and other                                    
Installment loans to individuals                                    
Total non-covered TDRs arising during period                       8       629       629  
                                                 
Total covered TDRs arising during period– Accruing         $     $       2     $ 139     $ 139  
Total covered TDRs arising during period – Nonaccrual                                    
Total TDRs arising during period         $     $       10     $ 768     $ 768  

 

Accruing restructured loans that were modified in the previous 12 months and that defaulted during the three months ended June 30, 2016 and 2015 are presented in the table below. The Company considers a loan to have defaulted when it becomes 90 or more days delinquent under the modified terms, has been transferred to nonaccrual status, or has been transferred to foreclosed real estate.

 

($ in thousands)   For the three months ended 
June 30, 2016
    For the three months ended 
June 30, 2015
 
    Number of
Contracts
    Recorded 
Investment
    Number of
Contracts
    Recorded
Investment
 
                         
Non-covered accruing TDRs that subsequently defaulted                                
Commercial, financial, and agricultural         $       1     $ 7  
                                 
Total non-covered TDRs that subsequently defaulted         $       1     $ 7  
                                 
Total accruing covered TDRs that subsequently defaulted         $           $  
                                 
Total accruing TDRs that subsequently defaulted         $       1     $ 7  

 

 

Accruing restructured loans that were modified in the previous 12 months and that defaulted during the six months ended June 30, 2016 and 2015 are presented in the table below.

 

($ in thousands)   For the six months ended 
June 30, 2016
    For the six months ended 
June 30, 2015
 
    Number of
Contracts
    Recorded 
Investment
    Number of
Contracts
    Recorded 
Investment
 
                         
Non-covered accruing TDRs that subsequently defaulted                                
Commercial, financial, and agricultural         $       1     $ 7  
Real estate – mortgage – residential (1–4 family first mortgages)                   1       34  
Real estate – mortgage – commercial and other     1       21              
                                 
Total non-covered TDRs that subsequently defaulted     1     $ 21       2     $ 41  
                                 
Total accruing covered TDRs that subsequently defaulted     1     $ 44           $  
                                 
Total accruing TDRs that subsequently defaulted     2     $ 65       2     $ 41  
XML 27 R16.htm IDEA: XBRL DOCUMENT v3.5.0.2
Deferred Loan Costs
6 Months Ended
Jun. 30, 2016
Deferred Loan Costs [Abstract]  
Deferred Loan Costs

Note 8 – Deferred Loan Costs

 

The amount of loans shown on the Consolidated Balance Sheets includes net deferred loan costs of approximately $1,074,000, $873,000, and $819,000 at June 30, 2016, December 31, 2015, and June 30, 2015, respectively.

XML 28 R17.htm IDEA: XBRL DOCUMENT v3.5.0.2
FDIC Indemnification Asset
6 Months Ended
Jun. 30, 2016
Fdic Indemnification Asset [Abstract]  
FDIC Indemnification Asset

Note 9 – FDIC Indemnification Asset

 

The FDIC indemnification asset is the estimated amount that the Company will receive from the FDIC under loss share agreements associated with two FDIC-assisted failed bank acquisitions. See page 42 of the Company’s 2015 Annual Report on Form 10-K for a detailed explanation of this asset.

 

The FDIC indemnification asset was comprised of the following components as of the dates shown:

 

($ in thousands)   June 30, 
2016
    December 31,
2015
    June 30, 
2015
 
Receivable (payable) related to loss claims incurred (recoveries), not yet received (paid), net   $ (1,542 )     (633 )     265  
Receivable related to estimated future claims on loans     6,383       8,675       11,003  
Receivable related to estimated future claims on foreclosed real estate     316       397       714  
     FDIC indemnification asset   $ 5,157       8,439       11,982  

 

The following presents a rollforward of the FDIC indemnification asset since December 31, 2015.

 

($ in thousands)      
Balance at December 31, 2015   $ 8,439  
Decrease related to favorable changes in loss estimates     (2,246 )
Increase related to reimbursable expenses     205  
Cash paid (received)     738  
Amortization associated with accretion of loan discount     (2,005 )
Other     26  
Balance at June 30, 2016   $ 5,157  
         
XML 29 R18.htm IDEA: XBRL DOCUMENT v3.5.0.2
Goodwill and Other Intangible Assets
6 Months Ended
Jun. 30, 2016
Goodwill And Other Intangible Assets [Abstract]  
Goodwill and Other Intangible Assets

Note 10 – Goodwill and Other Intangible Assets

 

The following is a summary of the gross carrying amount and accumulated amortization of amortizable intangible assets as of June 30, 2016, December 31, 2015, and June 30, 2015 and the carrying amount of unamortized intangible assets as of those same dates. In connection with the January 1, 2016 acquisition of Bankingport, Inc., an insurance agency located in Sanford, North Carolina, the Company recorded $1,693,000 in goodwill, $591,000 in a customer list intangible, and $92,000 in other amortizable intangible assets. In connection with the May 4, 2016 acquisition of SBA Complete, Inc., a SBA loan consulting firm, the Company recorded $6,013,000 in goodwill, $1,100,000 in a customer list intangible, and $940,000 in other amortizable intangible assets.

 

    June 30, 2016     December 31, 2015     June 30, 2015  
($ in thousands)   Gross Carrying
Amount
    Accumulated 
Amortization
    Gross Carrying 
Amount
    Accumulated 
Amortization
    Gross Carrying 
Amount
    Accumulated 
Amortization
 
Amortizable intangible assets:                                                
   Customer lists   $ 2,369       624       678       550       678       528  
   Core deposit premiums     8,560       7,660       8,560       7,352       8,560       7,013  
   Other     1,032       65                          
        Total   $ 11,961       8,349       9,238       7,902       9,238       7,541  
                                                 
Unamortizable intangible assets:                                                
   Goodwill   $ 73,541               65,835               65,835          

 

Amortization expense totaled $261,000 and $180,000 for the three months ended June 30, 2016 and 2015, respectively. Amortization expense totaled $447,000 and $360,000 for the six months ended June 30, 2016 and 2015, respectively.

 

The following table presents the estimated amortization expense for the last half of calendar year 2016 and for each of the four calendar years ending December 31, 2020 and the estimated amount amortizable thereafter. These estimates are subject to change in future periods to the extent management determines it is necessary to make adjustments to the carrying value or estimated useful lives of amortized intangible assets.

 

($ in thousands)

 

  Estimated Amortization 
Expense
 
July 1 to December 31, 2016   $ 587  
2017     934  
2018     624  
2019     471  
2020     301  
Thereafter     695  
         Total   $ 3,612  
         
XML 30 R19.htm IDEA: XBRL DOCUMENT v3.5.0.2
Pension Plans
6 Months Ended
Jun. 30, 2016
Compensation and Retirement Disclosure [Abstract]  
Pension Plans

Note 11 – Pension Plans

 

The Company has historically sponsored two defined benefit pension plans – a qualified retirement plan (the “Pension Plan”) which was generally available to all employees, and a Supplemental Executive Retirement Plan (the “SERP”), which was for the benefit of certain senior management executives of the Company. Effective December 31, 2012, the Company froze both plans for all participants. Although no previously accrued benefits were lost, employees no longer accrue benefits for service subsequent to 2012.

 

The Company recorded pension income totaling $162,000 and $288,000 for the three months ended June 30, 2016 and 2015, respectively, which primarily related to investment income from the Pension Plan’s assets. The following table contains the components of the pension income.

 

    For the Three Months Ended June 30,  
    2016     2015     2016     2015     2016 Total     2015 Total  
($ in thousands)   Pension Plan     Pension Plan     SERP     SERP     Both Plans     Both Plans  
Service cost   $             27       46       27       46  
Interest cost     376       341       59       51       435       392  
Expected return on plan assets     (675 )     (710 )                 (675 )     (710 )
Amortization of transition obligation                                    
Amortization of net (gain)/loss     60             (9 )     (16 )     51       (16 )
Amortization of prior service cost                                    
   Net periodic pension (income)/cost   $ (239 )     (369 )     77       81       (162 )     (288 )

 

The Company recorded pension income totaling $325,000 and $555,000 for the six months ended June 30, 2016 and 2015, respectively, which primarily related to investment income from the Pension Plan’s assets. The following table contains the components of the pension income.

 

    For the Six Months Ended June 30,  
    2016     2015     2016     2015     2016 Total     2015 Total  
($ in thousands)   Pension Plan     Pension Plan     SERP     SERP     Both Plans     Both Plans  
Service cost – benefits earned during the period   $             53       125       53       125  
Interest cost     752       682       118       103       870       785  
Expected return on plan assets     (1,350 )     (1,418 )                 (1,350 )     (1,418 )
Amortization of transition obligation                                    
Amortization of net (gain)/loss     120             (18 )     (47 )     102       (47 )
Amortization of prior service cost                                    
   Net periodic pension cost (income)   $ (478 )     (736 )     153       181       (325 )     (555 )

 

The Company’s contributions to the Pension Plan are based on computations by independent actuarial consultants and are intended to be deductible for income tax purposes. The contributions are invested to provide for benefits under the Pension Plan. The Company does not expect to contribute to the Pension Plan in 2016.

 

The Company’s funding policy with respect to the SERP is to fund the related benefits from the operating cash flow of the Company.

XML 31 R20.htm IDEA: XBRL DOCUMENT v3.5.0.2
Comprehensive Income
6 Months Ended
Jun. 30, 2016
Comprehensive Income [Abstract]  
Comprehensive Income

Note 12 – Comprehensive Income

 

Comprehensive income is defined as the change in equity during a period for non-owner transactions and is divided into net income and other comprehensive income. Other comprehensive income includes revenues, expenses, gains, and losses that are excluded from earnings under current accounting standards. The components of accumulated other comprehensive income for the Company are as follows:

 

($ in thousands)

 

  June 30, 2016     December 31, 2015     June 30, 2015  
Unrealized gain (loss) on securities available for sale   $ 1,722       (1,163 )     (1,433 )
     Deferred tax asset (liability)     (671 )     454       560  
Net unrealized gain (loss) on securities available for sale     1,051       (709 )     (873 )
                         
Additional pension asset (liability)     (4,555 )     (4,657 )     (304 )
     Deferred tax asset (liability)     1,776       1,816       118  
Net additional pension asset (liability)     (2,779 )     (2,841 )     (186 )
                         
Total accumulated other comprehensive income (loss)   $ (1,728 )     (3,550 )     (1,059 )

  

The following table discloses the changes in accumulated other comprehensive income (loss) for the six months ended June 30, 2016 (all amounts are net of tax).

 

($ in thousands)

 

  Unrealized Gain
(Loss) on
Securities 
Available for Sale
    Additional
Pension Asset 
(Liability)
    Total  
Beginning balance at January 1, 2016   $ (709 )     (2,841 )     (3,550 )
     Other comprehensive income (loss) before reclassifications     1,762             1,762  
     Amounts reclassified from accumulated other comprehensive income     (2 )     62       60  
Net current-period other comprehensive income (loss)     1,760       62       1,822  
                         
Ending balance at June 30, 2016   $ 1,051       (2,779 )     (1,728 )

 

The following table discloses the changes in accumulated other comprehensive income (loss) for the six months ended June 30, 2015 (all amounts are net of tax).

 

($ in thousands)

 

  Unrealized Gain
(Loss) on 
Securities 
Available for Sale
    Additional
Pension Asset 
(Liability)
    Total  
Beginning balance at January 1, 2015   $ (421 )     (157 )     (578 )
     Other comprehensive income (loss) before reclassifications     (452 )           (452 )
     Amounts reclassified from accumulated other comprehensive income           (29 )     (29 )
Net current-period other comprehensive income (loss)     (452 )     (29 )     (481 )
                         
Ending balance at June 30, 2015   $ (873 )     (186 )     (1,059 )
XML 32 R21.htm IDEA: XBRL DOCUMENT v3.5.0.2
Fair Value
6 Months Ended
Jun. 30, 2016
Fair Value [Abstract]  
Fair Value

Note 13 – Fair Value

 

Relevant accounting guidance establishes a fair value hierarchy which requires an entity to maximize the use of observable inputs and minimize the use of unobservable inputs when measuring fair value. The guidance describes three levels of inputs that may be used to measure fair value:

 

Level 1: Quoted prices (unadjusted) of identical assets or liabilities in active markets that the entity has the ability to access as of the measurement date.

 

Level 2: Significant other observable inputs other than Level 1 prices such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data.

 

Level 3: Significant unobservable inputs that reflect a reporting entity’s own assumptions about the assumptions that market participants would use in pricing an asset or liability.

 

The following table summarizes the Company’s financial instruments that were measured at fair value on a recurring and nonrecurring basis at June 30, 2016.

 

($ in thousands)            
Description of Financial Instruments   Fair Value at 
June 30, 2016
    Quoted Prices in 
Active Markets for 
Identical Assets
(Level 1)
    Significant Other 
Observable Inputs 
(Level 2)
    Significant
Unobservable Inputs 
(Level 3)
 
Recurring                                
     Securities available for sale:                                
        Government-sponsored enterprise securities   $ 15,992             15,992        
        Mortgage-backed securities     169,256             169,256        
        Corporate bonds     34,381             34,381        
        Equity securities     133             133        
          Total available for sale securities   $ 219,762             219,762        
                                 
Nonrecurring                                
     Impaired loans – covered   $ 2,063                   2,063  
     Impaired loans – non-covered     15,920                   15,920  
     Foreclosed real estate – covered     385                   385  
     Foreclosed real estate – non-covered     10,221                   10,221  
                                 

 

The following table summarizes the Company’s financial instruments that were measured at fair value on a recurring and nonrecurring basis at December 31, 2015.

 

($ in thousands)            
Description of Financial Instruments   Fair Value at 
December 31, 
2015
    Quoted Prices in 
Active Markets 
for Identical
Assets (Level 1)
    Significant Other 
Observable Inputs
(Level 2)
    Significant 
Unobservable 
Inputs 
(Level 3)
 
Recurring                                
Securities available for sale:                                
Government-sponsored enterprise securities   $ 18,972             18,972        
Mortgage-backed securities     121,553             121,553        
Corporate bonds     24,946             24,946        
Equity securities     143             143        
Total available for sale securities   $ 165,614             165,614        
                                 
Nonrecurring                                
     Impaired loans – covered   $ 2,588                   2,588  
     Impaired loans – non-covered     18,057                   18,057  
     Foreclosed real estate – covered     806                   806  
     Foreclosed real estate – non-covered     9,188                   9,188  

 

 

The following is a description of the valuation methodologies used for instruments measured at fair value.

 

Securities Available for Sale — When quoted market prices are available in an active market, the securities are classified as Level 1 in the valuation hierarchy. If quoted market prices are not available, but fair values can be estimated by observing quoted prices of securities with similar characteristics, the securities are classified as Level 2 on the valuation hierarchy. Most of the fair values for the Company’s Level 2 securities are determined by our third-party bond accounting provider using matrix pricing. Matrix pricing is a mathematical technique widely used in the industry to value debt securities without relying exclusively on quoted prices for the specific securities but rather by relying on the securities’ relationship to other benchmark quoted securities. For the Company, Level 2 securities include mortgage-backed securities, collateralized mortgage obligations, government-sponsored enterprise securities, and corporate bonds. In cases where Level 1 or Level 2 inputs are not available, securities are classified within Level 3 of the hierarchy.

 

The Company reviews the pricing methodologies utilized by the bond accounting provider to ensure the fair value determination is consistent with the applicable accounting guidance and that the investments are properly classified in the fair value hierarchy. Further, the Company validates the fair values for a sample of securities in the portfolio by comparing the fair values provided by the bond accounting provider to prices from other independent sources for the same or similar securities. The Company analyzes unusual or significant variances and conducts additional research with the portfolio manager, if necessary, and takes appropriate action based on its findings.

 

Impaired loans — Fair values for impaired loans in the above table are measured on a non-recurring basis and are based on the underlying collateral values securing the loans, adjusted for estimated selling costs, or the net present value of the cash flows expected to be received for such loans. Collateral may be in the form of real estate or business assets including equipment, inventory and accounts receivable. The vast majority of the collateral is real estate. The value of real estate collateral is determined using an income or market valuation approach based on an appraisal conducted by an independent, licensed third party appraiser (Level 3). The value of business equipment is based upon an outside appraisal if deemed significant, or the net book value on the applicable borrower’s financial statements if not considered significant. Likewise, values for inventory and accounts receivable collateral are based on borrower financial statement balances or aging reports on a discounted basis as appropriate (Level 3). Any fair value adjustments are recorded in the period incurred as provision for loan losses on the Consolidated Statements of Income.

 

Foreclosed real estate – Foreclosed real estate, consisting of properties obtained through foreclosure or in satisfaction of loans, is reported at the lower of cost or fair value. Fair value is measured on a non-recurring basis and is based upon independent market prices or current appraisals that are generally prepared using an income or market valuation approach and conducted by an independent, licensed third party appraiser, adjusted for estimated selling costs (Level 3). At the time of foreclosure, any excess of the loan balance over the fair value of the real estate held as collateral is treated as a charge against the allowance for loan losses. For any real estate valuations subsequent to foreclosure, any excess of the real estate recorded value over the fair value of the real estate is treated as a foreclosed real estate write-down on the Consolidated Statements of Income.

 

For Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis as of June 30, 2016, the significant unobservable inputs used in the fair value measurements were as follows:

 

($ in thousands)          
Description   Fair Value at
June 30, 2016
    Valuation 
Technique
  Significant Unobservable 
Inputs
  General Range 
of Significant 
Unobservable 
Input Values
Impaired loans – covered   $ 2,063     Appraised value; PV of expected cash flows   Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell   0-10%
Impaired loans – non-covered     15,920     Appraised value; PV of expected cash flows   Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell   0-10%
Foreclosed real estate – covered     385     Appraised value; List or contract price   Discounts to reflect current market conditions and estimated costs to sell   0-10%
Foreclosed real estate – non-covered     10,221     Appraised value; List or contract price   Discounts to reflect current market conditions, abbreviated holding period and estimated costs to sell   0-10%
                     

 

For Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis as of December 31, 2015, the significant unobservable inputs used in the fair value measurements were as follows:

 

($ in thousands)          
Description   Fair Value at 
December 31, 2015
    Valuation 
Technique
  Significant Unobservable
Inputs
  General Range
of Significant 
Unobservable 
Input Values
Impaired loans – covered   $ 2,588     Appraised value; PV of expected cash flows   Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell   0-10%
Impaired loans – non-covered     18,057     Appraised value; PV of expected cash flows   Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell   0-10%
Foreclosed real estate – covered     806     Appraised value; List or contract price   Discounts to reflect current market conditions and estimated costs to sell   0-10%
Foreclosed real estate – non-covered     9,188     Appraised value; List or contract price   Discounts to reflect current market conditions, abbreviated holding period and estimated costs to sell   0-10%
                     

 

Transfers of assets or liabilities between levels within the fair value hierarchy are recognized when an event or change in circumstances occurs. There were no transfers between Level 1 and Level 2 for assets or liabilities measured on a recurring basis during the three or six months ended June 30, 2016 or 2015.

 

For the six months ended June 30, 2016 and 2015, the increase (decrease) in the fair value of securities available for sale was $2,888,000 and ($743,000), respectively, which is included in other comprehensive income (net of tax expense (benefit) of $1,126,000 and ($291,000), respectively). Fair value measurement methods at June 30, 2016 and 2015 are consistent with those used in prior reporting periods.

 

The carrying amounts and estimated fair values of financial instruments at June 30, 2016 and December 31, 2015 are as follows:

 

        June 30, 2016     December 31, 2015  

 

($ in thousands)

  Level in Fair 
Value 
Hierarchy
  Carrying
Amount
    Estimated
Fair Value
    Carrying
Amount
    Estimated
Fair Value
 
                             
Cash and due from banks, noninterest-bearing   Level 1   $ 58,956       58,956       53,285       53,285  
Due from banks, interest-bearing   Level 1     189,404       189,404       213,426       213,426  
Federal funds sold   Level 1     143       143       557       557  
Securities available for sale   Level 2     219,762       219,762       165,614       165,614  
Securities held to maturity   Level 2     142,073       146,099       154,610       157,146  
Presold mortgages in process of settlement   Level 1     4,104       4,104       4,323       4,323  
Total loans, net of allowance   Level 3     2,572,111       2,548,380       2,490,343       2,484,059  
Accrued interest receivable   Level 1     9,152       9,152       9,166       9,166  
FDIC indemnification asset   Level 3     5,157       5,109       8,439       8,256  
Bank-owned life insurance   Level 1     73,098       73,098       72,086       72,086  
                                     
Deposits   Level 2     2,872,020       2,871,399       2,811,285       2,809,828  
Borrowings   Level 2     206,394       198,531       186,394       178,468  
Accrued interest payable   Level 2     586       586       585       585  
                                     

 

Fair value methods and assumptions are set forth below for the Company’s financial instruments.

 

Cash and Amounts Due from Banks, Federal Funds Sold, Presold Mortgages in Process of Settlement, Accrued Interest Receivable, and Accrued Interest Payable - The carrying amounts approximate their fair value because of the short maturity of these financial instruments.

 

Available for Sale and Held to Maturity Securities - Fair values are provided by a third-party and are based on quoted market prices, where available. If quoted market prices are not available, fair values are based on quoted market prices of comparable instruments or matrix pricing.

 

Loans - For nonimpaired loans, fair values are estimated for portfolios of loans with similar financial characteristics. Loans are segregated by type such as commercial, financial and agricultural, real estate construction, real estate mortgages and installment loans to individuals. Each loan category is further segmented into fixed and variable interest rate terms. The fair value for each category is determined by discounting scheduled future cash flows using current interest rates offered on loans with similar risk characteristics. Fair values for impaired loans are primarily based on estimated proceeds expected upon liquidation of the collateral or the present value of expected cash flows.

 

FDIC Indemnification Asset – Fair value is equal to the FDIC reimbursement rate of the expected losses to be incurred and reimbursed by the FDIC and then discounted over the estimated period of receipt.

 

Bank-Owned Life Insurance – The carrying value of life insurance approximates fair value because this investment is carried at cash surrender value, as determined by the issuer.

 

Deposits - The fair value of deposits with no stated maturity, such as noninterest-bearing checking accounts, savings accounts, interest-bearing checking accounts, and money market accounts, is equal to the amount payable on demand as of the valuation date. The fair value of certificates of deposit is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered in the marketplace for deposits of similar remaining maturities.

 

Borrowings - The fair value of borrowings is based on the discounted value of contractual cash flows. The discount rate is estimated using the rates currently offered by the Company’s lenders for debt of similar remaining maturities.

 

Fair value estimates are made at a specific point in time, based on relevant market information and information about the financial instrument. These estimates do not reflect any premium or discount that could result from offering for sale at one time the Company’s entire holdings of a particular financial instrument. Because no highly liquid market exists for a significant portion of the Company’s financial instruments, fair value estimates are based on judgments regarding future expected loss experience, current economic conditions, risk characteristics of various financial instruments, and other factors. These estimates are subjective in nature and involve uncertainties and matters of significant judgment and therefore cannot be determined with precision. Changes in assumptions could significantly affect the estimates.

 

Fair value estimates are based on existing on- and off-balance sheet financial instruments without attempting to estimate the value of anticipated future business and the value of assets and liabilities that are not considered financial instruments. Significant assets and liabilities that are not considered financial assets or liabilities include net premises and equipment, intangible and other assets such as deferred income taxes, prepaid expense accounts, income taxes currently payable and other various accrued expenses. In addition, the income tax ramifications related to the realization of the unrealized gains and losses can have a significant effect on fair value estimates and have not been considered in any of the estimates.

XML 33 R22.htm IDEA: XBRL DOCUMENT v3.5.0.2
Shareholders' Equity Transactions
6 Months Ended
Jun. 30, 2016
Equity [Abstract]  
Shareholders Equity Transactions

Note 14 – Shareholders’ Equity Transactions

 

Small Business Lending Fund

 

On September 1, 2011, the Company completed the sale of $63.5 million of Series B Preferred Stock to the Secretary of the Treasury under the Small Business Lending Fund (SBLF). The fund was established under the Small Business Jobs Act of 2010 that was created to encourage lending to small businesses by providing capital to qualified community banks with assets less than $10 billion.

 

Under the terms of the stock purchase agreement, the Treasury received 63,500 shares of non-cumulative perpetual preferred stock with a liquidation value of $1,000 per share, in exchange for $63.5 million. On June 25, 2015, the Company redeemed $32 million (32,000 shares) of the outstanding SBLF Stock. The shares were redeemed at their liquidation value of $1,000 per share plus accrued dividends. On October 16, 2015, the Company redeemed the remaining $31.5 million (31,500 shares) of the outstanding SBLF Stock. The shares were redeemed at their liquidation value of $1,000 per share plus accrued dividends. With these redemptions, the Company ended its participation in the SBLF.

 

For the three and six months ended June 30, 2015, the Company accrued approximately $153,000 and $312,000, respectively, in preferred dividend payments for the Series B Preferred Stock. This amount is deducted from net income in computing “Net income available to common shareholders.”

 

Stock Issuance

 

On December 21, 2012, the Company issued 2,656,294 shares of its common stock and 728,706 shares of the Company’s Series C Preferred Stock to certain accredited investors, each at the price of $10.00 per share, pursuant to a private placement transaction. Net proceeds from this sale of common and preferred stock were $33.8 million and were used to strengthen the Company’s balance sheet in anticipation of a planned disposition of certain classified loans and write-down of foreclosed real estate.

 

The Series C Preferred Stock qualifies as Tier 1 capital and is Convertible Perpetual Preferred Stock, with dividend rights equal to the Company’s Common Stock. Each share of Series C Preferred Stock will automatically convert into one share of Common Stock on the date the holder of Series C Preferred Stock transfers any shares of Series C Preferred Stock to a non-affiliate of the holder in certain permissible transfers. The Series C Preferred Stock is non-voting, except in limited circumstances.

 

The Series C Preferred Stock pays a dividend per share equal to that of the Company’s common stock. During each of the second quarters of 2016 and 2015, the Company accrued approximately $58,000 in preferred dividend payments for the Series C Preferred Stock. During each of the first six months of 2016 and 2015, the Company accrued approximately $117,000 in preferred dividend payments for the Series C Preferred Stock.

XML 34 R23.htm IDEA: XBRL DOCUMENT v3.5.0.2
Acquisitions
6 Months Ended
Jun. 30, 2016
Business Combinations [Abstract]  
Acquisitions

Note 15 – Acquisitions

 

The Company completed the following acquisitions in 2016.

 

  (1) On January 1, 2016, the Company completed the acquisition of Bankingport, Inc. (“Bankingport”). The results of Bankingport are included in First Bancorp’s results for the three and six months ended June 30, 2016 beginning on the January 1, 2016 acquisition date.

 

Bankingport was an insurance agency based in Sanford, North Carolina. This acquisition represented an opportunity to expand the insurance agency operations into a contiguous and significant banking market for the Company. Also, this acquisition provided the Company with a larger platform for leveraging insurance services throughout the Company’s bank branch network. The deal value was $2.2 million and the transaction was completed on January 1, 2016 with the Company paying $700,000 in cash and issuing 79,012 shares of its common stock, which had a value of approximately $1.5 million. In connection with the acquisition, the Company also paid $1.1 million to purchase the office space previously leased by Bankingport.

 

This acquisition has been accounted for using the purchase method of accounting for business combinations, and accordingly, the assets and liabilities of Bankingport were recorded based on estimates of fair values as of January 1, 2016. In connection with this transaction, the Company recorded $1.7 million in goodwill, which is non-deductible for tax purposes, and $0.7 million in other amortizable intangible assets.

 

  (2) On May 5, 2016, the Company completed the acquisition of SBA Complete, Inc. (“SBA Complete”). The results of SBA Complete are included in First Bancorp’s results for the three and six months ended June 30, 2016 beginning on the May 5, 2016 acquisition date. SBA Complete is a consulting firm that specializes in consulting with financial institutions across the country related to Small Business Administration (“SBA”) loan origination and servicing. The deal value was $8.9 million and the transaction was completed on May 5, 2016 with the Company paying $1.5 million in cash and issuing 199,829 shares of its common stock, which had a value of approximately $4.0 million. Per the terms of the agreement, the Company also recorded an earn-out liability valued at $3.4 million, which will be paid in shares of Company stock in annual distributions over a three year period if pre-determined goals are met for those three years.

 

This acquisition has been accounted for using the purchase method of accounting for business combinations, and accordingly, the assets and liabilities of SBA Complete were recorded based on estimates of fair values as of May 5, 2016. In connection with this transaction, the Company recorded $6.0 million in goodwill, which is non-deductible for tax purposes, and $2.0 million in other amortizable intangible assets.

XML 35 R24.htm IDEA: XBRL DOCUMENT v3.5.0.2
Pending Acquisition
6 Months Ended
Jun. 30, 2016
Pending Acquisition/Divestiture [Abstract]  
Pending Acquisition/Divestiture

Note 16 – Pending Acquisition

 

On June 21, 2016, the Company announced that it had reached an agreement to acquire Carolina Bank Holdings, Inc., headquartered in Greensboro, North Carolina, with a total deal value of $97.3 million. The merger consideration is a combination of both cash and stock, with each share of Carolina Bank Holdings stock being exchanged for either $20.00 in cash or 1.002 shares of First Bancorp stock, subject to the total consideration being 75% stock / 25% cash. Carolina Bank operates eight branches located in Greensboro, High Point, Burlington, and Winston-Salem, North Carolina and also operates three mortgage offices in North Carolina. The acquisition is a natural extension of the Company’s recent expansion into these high-growth areas. As of June 30, 2016, Carolina Bank Holdings had $706 million in total assets, $534 million in gross loans, and $599 million in total deposits. Subject to regulatory approval and the satisfaction of customary closing conditions, the transaction is expected to close in the fourth quarter of 2016 or the first quarter of 2017.

XML 36 R25.htm IDEA: XBRL DOCUMENT v3.5.0.2
Equity-Based Compensation Plans (Tables)
6 Months Ended
Jun. 30, 2016
Equity-Based Compensation Plans [Abstract]  
Schedule of Company's stock options outstanding
    Options Outstanding  
    Number of
Shares
    Weighted-
Average 
Exercise 
Price
    Weighted-
Average 
Contractual 
Term (years)
    Aggregate 
Intrinsic 
Value
 
                         
Balance at January 1, 2016     117,408     $ 18.12                  
                                 
   Granted                            
   Exercised     (23,710 )     15.84             $ 81,894  
   Forfeited                            
   Expired     (33,750 )     21.39                  
                                 
Outstanding at June 30, 2016     59,948     $ 17.18       1.9     $ 57,084  
                                 
Exercisable at June 30, 2016     59,948     $ 17.18       1.9     $ 57,084  
Schedule of outstanding restricted stock
    Long-Term Restricted Stock  
    Number of Units     Weighted-Average
Grant-Date Fair Value
 
             
Nonvested at January 1, 2016     55,329     $ 17.31  
                 
Granted during the period     31,298       18.65  
Vested during the period     (5,219 )     17.77  
Forfeited or expired during the period            
                 
Nonvested at June 30, 2016     81,408     $ 17.80  
XML 37 R26.htm IDEA: XBRL DOCUMENT v3.5.0.2
Earnings Per Common Share (Tables)
6 Months Ended
Jun. 30, 2016
Earnings Per Share [Abstract]  
Schedule of reconciliation of the numerators and denominators used in computing Basic and Diluted Earnings Per Common Share

    For the Three Months Ended June 30,  
    2016     2015  
($ in thousands except per share amounts)   Income 
(Numer- 
ator)
    Shares 
(Denom- 
inator)
    Per Share 
Amount
    Income 
(Numer- 
ator)
    Shares 
(Denom- 
inator)
    Per Share 
Amount
 
                                     
Basic EPS                                                
Net income available to common shareholders   $ 7,580       19,921,413     $ 0.38     $ 6,032       19,778,640     $ 0.30  
                                                 
Effect of Dilutive Securities     59       772,231               58       730,315          
                                                 
Diluted EPS per common share   $ 7,639       20,693,644     $ 0.37     $ 6,090       20,508,955     $ 0.30  

 

    For the Six Months Ended June 30,  
    2016     2015  
($ in thousands except per share amounts)   Income
(Numer- 
ator)
    Shares 
(Denom- 
inator)
    Per Share
Amount
    Income 
(Numer- ator)
    Shares 
(Denom- 
inator)
    Per Share 
Amount
 
                                     
Basic EPS                                                
Net income available to 
common shareholders
  $ 14,359       19,852,580     $ 0.72     $ 12,803       19,750,316     $ 0.65  
                                                 
Effect of Dilutive Securities     117       774,432               117       731,150          
                                                 
Diluted EPS per common share   $ 14,476       20,627,012     $ 0.70     $ 12,920       20,481,466     $ 0.63  
XML 38 R27.htm IDEA: XBRL DOCUMENT v3.5.0.2
Securities (Tables)
6 Months Ended
Jun. 30, 2016
Securities [Abstract]  
Book values and approximate fair values of investment securities
    June 30, 2016     December 31, 2015  
    Amortized     Fair     Unrealized     Amortized     Fair     Unrealized  
($ in thousands)   Cost     Value     Gains     (Losses)     Cost     Value     Gains     (Losses)  
                                                 
Securities available for sale:                                                                
  Government-sponsored enterprise securities   $ 16,000       15,992       2       (10 )     19,000       18,972       1       (29 )
  Mortgage-backed securities     168,103       169,256       1,437       (284 )     122,474       121,553       348       (1,269 )
  Corporate bonds     33,853       34,381       598       (70 )     25,216       24,946             (270 )
  Equity securities     83       133       58       (8 )     88       143       64       (9 )
Total available for sale   $ 218,039       219,762       2,095       (372 )     166,778       165,614       413       (1,577 )
                                                                 
Securities held to maturity:                                                                
  Mortgage-backed securities   $ 92,675       93,444       769             102,509       101,767             (742 )
  State and local governments     49,398       52,655       3,257             52,101       55,379       3,284       (6 )
Total held to maturity   $ 142,073       146,099       4,026             154,610       157,146       3,284       (748 )
Schedule of information regarding securities with unrealized losses
 ($ in thousands)   Securities in an Unrealized
Loss Position for
Less than 12 Months
    Securities in an Unrealized
Loss Position for 
More than 12 Months
    Total  
    Fair Value     Unrealized
Losses
    Fair Value     Unrealized
Losses
    Fair Value     Unrealized
Losses
 
  Government-sponsored enterprise securities   $ 9,992       7       2,997       3       12,989       10  
  Mortgage-backed securities     5,917       22       20,242       262       26,159       284  
  Corporate bonds                 930       70       930       70  
  Equity securities                 17       8       17       8  
  State and local governments                                    
      Total temporarily impaired securities   $ 15,909       29       24,186       343       40,095       372  

 

 ($ in thousands)   Securities in an Unrealized 
Loss Position for 
Less than 12 Months
    Securities in an Unrealized 
Loss Position for 
More than 12 Months
    Total  
    Fair Value     Unrealized
Losses
    Fair Value     Unrealized 
Losses
    Fair Value     Unrealized 
Losses
 
  Government-sponsored enterprise securities   $ 5,993       7       2,978       22       8,971       29  
  Mortgage-backed securities     150,853       1,148       27,460       863       178,313       2,011  
  Corporate bonds     24,006       210       940       60       24,946       270  
  Equity securities                 17       9       17       9  
  State and local governments     840       6                   840       6  
      Total temporarily impaired securities   $ 181,692       1,371       31,395       954       213,087       2,325  
Schedule of book values and approximate fair values of investment securities by contractual maturity
    Securities Available for Sale     Securities Held to Maturity  
    Amortized     Fair     Amortized     Fair  
($ in thousands)   Cost     Value     Cost     Value  
                         
Debt securities                                
Due within one year   $             1,307       1,330  
Due after one year but within five years     3,000       2,997       15,795       16,590  
Due after five years but within ten years     41,853       42,366       31,127       33,552  
Due after ten years     5,000       5,010       1,169       1,183  
Mortgage-backed securities     168,103       169,256       92,675       93,444  
Total debt securities     217,956       219,629       142,073       146,099  
                                 
Equity securities     83       133              
Total securities   $ 218,039       219,762       142,073       146,099  
XML 39 R28.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Tables)
6 Months Ended
Jun. 30, 2016
Loans and Asset Quality Information [Abstract]  
Summary of the major categories of total loans outstanding
 ($ in thousands)   June 30, 2016     December 31, 2015     June 30, 2015  
    Amount     Percentage     Amount     Percentage     Amount     Percentage  
All  loans (non-covered and covered):                                    
                                     
Commercial, financial, and agricultural   $ 244,862       9%     $ 202,671       8%     $ 179,909       7%  
Real estate – construction, land development & other land loans     310,993       12%       308,969       12%       282,262       12%  
Real estate – mortgage – residential (1-4 family) first mortgages     751,446       29%       768,559       31%       777,515       32%  
Real estate – mortgage – home equity loans / lines of credit     238,794       9%       232,601       9%       220,534       9%  
Real estate – mortgage – commercial and other     1,000,578       39%       957,587       38%       904,496       38%  
Installment loans to individuals     50,387       2%       47,666       2%       47,244       2%  
    Subtotal     2,597,060       100%       2,518,053       100%       2,411,960       100%  
Unamortized net deferred loan costs     1,074               873               819          
    Total loans   $ 2,598,134             $ 2,518,926             $ 2,412,779          
Summary of the major categories of non-covered loans outstanding
($ in thousands)   June 30, 2016     December 31, 2015     June 30, 2015  
    Amount     Percentage     Amount     Percentage     Amount     Percentage  
Non-covered loans:                                    
                                     
Commercial, financial, and agricultural   $ 244,862       10%     $ 201,798       8%     $ 178,756       8%  
Real estate – construction, land development & other land loans     310,832       12%       305,228       13%       278,406       12%  
Real estate – mortgage – residential (1-4 family) first mortgages     683,367       27%       692,902       29%       694,794       30%  
Real estate – mortgage – home equity loans / lines of credit     228,906       9%       221,995       9%       208,778       9%  
Real estate – mortgage – commercial and other     1,000,319       40%       945,823       39%       890,158       39%  
Installment loans to individuals     50,387       2%       47,666       2%       47,244       2%  
    Subtotal     2,518,673       100%       2,415,412       100%       2,298,136       100%  
Unamortized net deferred loan costs     1,074               873               819          
    Total non-covered loans   $ 2,519,747             $ 2,416,285             $ 2,298,955          
Schedule of the carrying amount of the covered loans

($ in thousands)   Impaired 
Purchased
Loans –
Carrying 
Value
    Impaired 
Purchased
Loans –
Unpaid 
Principal 
Balance
    Nonimpaired
Purchased 
Loans – 
Carrying 
Value
    Nonimpaired 
Purchased
Loans - 
Unpaid 
Principal 
Balance
    Total 
Covered
Loans – 
Carrying 
Value
    Total 
Covered 
Loans – 
Unpaid 
Principal 
Balance
 
Covered loans:                                                
Commercial, financial, and agricultural   $                                
Real estate – construction, land development & other land loans                 161       162       161       162  
Real estate – mortgage – residential (1-4 family) first mortgages           33       68,079       78,940       68,079       78,973  
Real estate – mortgage – home equity loans / lines of credit     6       14       9,882       11,140       9,888       11,154  
Real estate – mortgage – commercial and other                 259       294       259       294  
Installment loans to individuals                                    
     Total   $ 6       47       78,381       90,536       78,387       90,583  

 

($ in thousands)   Impaired
Purchased 
Loans – 
Carrying 
Value
    Impaired
Purchased
Loans – 
Unpaid 
Principal 
Balance
    Nonimpaired
Purchased 
Loans – 
Carrying 
Value
    Nonimpaired
Purchased 
Loans - 
Unpaid 
Principal 
Balance
    Total 
Covered 
Loans – 
Carrying 
Value
    Total 
Covered 
Loans – 
Unpaid 
Principal 
Balance
 
Covered loans:                                    
Commercial, financial, and agricultural   $             873       886       873       886  
Real estate – construction, land development & other land loans     277       365       3,464       3,457       3,741       3,822  
Real estate – mortgage – residential (1-4 family) first mortgages     102       633       75,555       88,434       75,657       89,067  
Real estate – mortgage – home equity loans / lines of credit     7       14       10,599       12,099       10,606       12,113  
Real estate – mortgage – commercial and other     1,003       3,136       10,761       11,458       11,764       14,594  
     Total   $ 1,389       4,148       101,252       116,334       102,641       120,482  
Schedule of activity in covered purchased nonimpaired loans

($ in thousands)

 

     
Carrying amount of nonimpaired covered loans at December 31, 2014   $ 125,644  
Principal repayments     (30,238 )
Transfers to foreclosed real estate     (1,211 )
Net loan (charge-offs) / recoveries     2,306  
Accretion of loan discount     4,751  
Carrying amount of nonimpaired covered loans at December 31, 2015     101,252  
Principal repayments     (7,997 )
Transfers to foreclosed real estate     (1,036 )
Transfer to non-covered loans due to expiration of loss-share agreement     (17,530 )
Net loan (charge-offs) / recoveries     1,784  
Accretion of loan discount     1,908  
Carrying amount of nonimpaired covered loans at June 30, 2016   $ 78,381  
Schedule of activity in purchased impaired loans

 

($ in thousands)

 

 

 

Purchased Impaired Loans

  Contractual
Principal 
Receivable
    Fair Market
Value 
Adjustment – 
Write Down 
(Nonaccretable
Difference)
    Carrying 
Amount
 
Balance at December 31, 2014   $ 5,859       3,262       2,597  
Change due to payments received     (634 )     (102 )     (532 )
Transfer to foreclosed real estate     (431 )     (336 )     (95 )
Other     (3 )     (3 )      
Balance at December 31, 2015   $ 4,791       2,821       1,970  
Change due to payments received     (3,392 )     (2,253 )     (1,139 )
Change due to loan charge-off     (394 )     (324 )     (70 )
Balance at June 30, 2016   $ 1,005       244       761  
Summary of nonperforming assets

 

ASSET QUALITY DATA ($ in thousands)

  June 30, 
2016
    December 31,
2015
    June 30, 
2015
 
                   
Non-covered nonperforming assets                        
Nonaccrual loans   $ 33,781     $ 39,994     $ 44,123  
Restructured loans - accruing     25,826       28,011       32,059  
Accruing loans > 90 days past due                  
     Total non-covered nonperforming loans     59,607       68,005       76,182  
Foreclosed real estate     10,221       9,188       9,954  
Total non-covered nonperforming assets   $ 69,828     $ 77,193     $ 86,136  
                         
Covered nonperforming assets                        
Nonaccrual loans (1)   $ 4,194     $ 7,816     $ 7,378  
Restructured loans - accruing     3,445       3,478       3,910  
Accruing loans > 90 days past due                  
     Total covered nonperforming loans     7,639       11,294       11,288  
Foreclosed real estate     385       806       1,945  
Total covered nonperforming assets   $ 8,024     $ 12,100     $ 13,233  
                         
     Total nonperforming assets   $ 77,852     $ 89,293     $ 99,369  
Schedule of nonaccrual loans

($ in thousands)   Non-covered     Covered     Total  
Commercial, financial, and agricultural   $ 2,870             2,870  
Real estate – construction, land development & other land loans     4,154             4,154  
Real estate – mortgage – residential (1-4 family) first mortgages     17,315       3,841       21,156  
Real estate – mortgage – home equity loans / lines of credit     2,406       353       2,759  
Real estate – mortgage – commercial and other     6,821             6,821  
Installment loans to individuals     215             215  
  Total   $ 33,781       4,194       37,975  
                         

  

($ in thousands)   Non-covered     Covered     Total  
Commercial, financial, and agricultural   $ 2,964             2,964  
Real estate – construction, land development & other land loans     4,652       52       4,704  
Real estate – mortgage – residential (1-4 family) first mortgages     18,822       5,007       23,829  
Real estate – mortgage – home equity loans / lines of credit     3,142       383       3,525  
Real estate – mortgage – commercial and other     10,197       2,374       12,571  
Installment loans to individuals     217             217  
  Total   $ 39,994       7,816       47,810  
                         
Schedule of analysis of the payment status of loans

($ in thousands)   30-59
Days Past 
Due
    60-89 Days
Past Due
    Nonaccrual 
Loans
    Current     Total Loans
Receivable
 
Non-covered loans                                        
                                         
Commercial, financial, and agricultural   $ 195       1,643       2,870       240,154       244,862  
Real estate – construction, land development & other land loans     961       203       4,154       305,514       310,832  
Real estate – mortgage – residential (1-4 family) first mortgages     2,574       763       17,315       662,715       683,367  
Real estate – mortgage – home equity loans / lines of credit     765       221       2,406       225,514       228,906  
Real estate – mortgage – commercial and other     1,998       373       6,821       991,127       1,000,319  
Installment loans to individuals     368       253       215       49,551       50,387  
  Total non-covered   $ 6,861       3,456       33,781       2,474,575       2,518,673  
Unamortized net deferred loan costs                                     1,074  
           Total non-covered loans                                   $ 2,519,747  
                                         
Covered loans   $ 172       1,473       4,194       72,548       78,387  
                                         
                Total loans   $ 7,033       4,929       37,975       2,547,123       2,598,134  

  

($ in thousands)   30-59 
Days Past 
Due
    60-89 Days 
Past Due
    Nonaccrual 
Loans
    Current     Total Loans 
Receivable
 
Non-covered loans                                        
                                         
Commercial, financial, and agricultural   $ 999       127       2,964       197,708       201,798  
Real estate – construction, land development & other land loans     1,512       429       4,652       298,635       305,228  
Real estate – mortgage – residential (1-4 family) first mortgages     12,130       3,212       18,822       658,738       692,902  
Real estate – mortgage – home equity loans / lines of credit     1,276       105       3,142       217,472       221,995  
Real estate – mortgage – commercial and other     5,591       864       10,197       929,171       945,823  
Installment loans to individuals     278       255       217       46,916       47,666  
  Total non-covered   $ 21,786       4,992       39,994       2,348,640       2,415,412  
Unamortized net deferred loan costs                                     873  
           Total non-covered loans                                   $ 2,416,285  
                                         
Covered loans   $ 3,313       402       7,816       91,110       102,641  
                                         
                Total loans   $ 25,099       5,394       47,810       2,439,750       2,518,926  
Schedule of activity in the allowance for loan losses for non-covered loans

($ in thousands)   Commercial, 
Financial, and 
Agricultural
    Real Estate – 
Construction, 
Land 
Development, & 
Other Land 
Loans
    Real Estate
– Residential
(1-4 Family) 
First 
Mortgages
    Real Estate – 
Mortgage 
– Home 
Equity 
Lines of 
Credit
    Real Estate – 
Mortgage – 
Commercial 
and Other
    Installment
Loans to 
Individuals
    Unallo-
cated
    Total  
                                                 
As of and for the three months ended June 30, 2016
                                                                 
Beginning balance   $ 4,679       3,345       7,374       2,267       5,940       1,202       442       25,249  
Charge-offs     (57 )     (137 )     (740 )     (285 )     (396 )     (238 )           (1,853 )
Recoveries     216       121       61       64       155       140             757  
Transfer from covered category     56       62       51       12       126                   307  
Provisions     (612 )     (492 )     1,114       227       (254 )     376       130       489  
Ending balance   $ 4,282       2,899       7,860       2,285       5,571       1,480       572       24,949  
                                                                 
As of and for the six months ended June 30, 2016
                                                                 
Beginning balance   $ 4,742       3,754       7,832       2,893       5,816       1,051       696       26,784  
Charge-offs     (734 )     (477 )     (2,691 )     (734 )     (562 )     (518 )           (5,716 )
Recoveries     302       211       295       119       285       253             1,465  
Transfer from covered category     56       62       51       12       126                   307  
Provisions     (84 )     (651 )     2,373       (5 )     (94 )     694       (124 )     2,109  
Ending balance   $ 4,282       2,899       7,860       2,285       5,571       1,480       572       24,949  
                                                                 
Ending balances as of June 30, 2016:  Allowance for loan losses
                                                                 
Individually evaluated for impairment   $ 14       172       1,263       11       478       70             2,008  
                                                                 
Collectively evaluated for impairment   $ 4,268       2,727       6,597       2,274       5,093       1,410       572       22,941  
                                                                 
Loans acquired with deteriorated credit quality   $                                            
                                                                 
Loans receivable as of June 30, 2016:
                                                                 
Ending balance – total   $ 244,862       310,832       683,367       228,906       1,000,319       50,387             2,518,673  
Unamortized net deferred loan costs                                                             1,074  
Total non-covered loans                                                           $ 2,519,747  
                                                                 
Ending balances as of June 30, 2016: Loans
                                                                 
Individually evaluated for impairment   $ 859       4,614       20,201       383       12,845       72             38,974  
                                                                 
Collectively evaluated for impairment   $ 244,003       306,218       662,959       228,523       986,926       50,315             2,478,944  
                                                                 
Loans acquired with deteriorated credit quality   $             207             548                   755  

  

($ in thousands)   Commercial, 
Financial, and 
Agricultural
    Real Estate – 
Construction, 
Land
Development, & 
Other Land 
Loans
    Real Estate 
– Residential 
(1-4 Family) 
First
Mortgages
    Real
Estate – 
Mortgage 
– Home 
Equity 
Lines of 
Credit
    Real Estate – 
Mortgage – 
Commercial 
and Other
    Installment 
Loans to 
Individuals
    Unallo-
cated
    Total  
                                                 
As of and for the year ended December 31, 2015
                                                                 
Beginning balance   $ 6,769       8,158       10,136       4,753       6,466       1,916       147       38,345  
Charge-offs     (2,908 )     (3,034 )     (4,904 )     (1,054 )     (2,804 )     (2,411 )           (17,115 )
Recoveries     831       998       279       121       904       413             3,546  
Provisions     50       (2,368 )     2,321       (927 )     1,250       1,133       549       2,008  
Ending balance   $ 4,742       3,754       7,832       2,893       5,816       1,051       696       26,784  
                                                                 
Ending balances as of December 31, 2015:  Allowance for loan losses
                                                                 
Individually evaluated for impairment   $ 304       241       1,440       321       336       45             2,687  
                                                                 
Collectively evaluated for impairment   $ 4,438       3,513       6,392       2,572       5,480       1,006       696       24,097  
                                                                 
Loans acquired with deteriorated credit quality   $                                            
                                                                 
Loans receivable as of December 31, 2015:
                                                                 
Ending balance – total   $ 201,798       305,228       692,902       221,995       945,823       47,666             2,415,412  
Unamortized net deferred loan costs                                                             873  
Total non-covered loans                                                           $ 2,416,285  
                                                                 
Ending balances as of December 31, 2015: Loans
                                                                 
Individually evaluated for impairment   $ 992       4,898       21,325       758       16,605       76             44,654  
                                                                 
Collectively evaluated for impairment   $ 200,806       300,330       671,577       221,237       928,637       47,590             2,370,177  
                                                                 
Loans acquired with deteriorated credit quality   $                         581                   581  

 

($ in thousands)   Commercial, 
Financial, and
Agricultural
    Real Estate – 
Construction, 
Land
Development, & 
Other Land 
Loans
    Real Estate 
– Residential 
(1-4 Family) 
First 
Mortgages
    Real 
Estate – 
Mortgage 
– Home 
Equity 
Lines of 
Credit
    Real Estate – 
Mortgage – 
Commercial 
and Other
    Installment 
Loans to 
Individuals
    Unallo-
cated
    Total  
                                                 
As of and for the three months ended June 30, 2015
                                                                 
Beginning balance   $ 5,738       7,144       9,327       3,983       5,709       1,565       304       33,770  
Charge-offs     (1,407 )     (702 )     (818 )     (522 )     (1,026 )     (928 )           (5,403 )
Recoveries     256       52       146       37       193       103             787  
Provisions     800       (1,067 )     (573 )     (115 )     788       376       792       1,001  
Ending balance   $ 5,387       5,427       8,082       3,383       5,664       1,116       1,096       30,155  
                                                                 
As of and for the six months ended June 30, 2015
                                                                 
Beginning balance   $ 6,769       8,158       10,136       4,753       6,466       1,916       147       38,345  
Charge-offs     (2,301 )     (2,008 )     (2,257 )     (597 )     (2,022 )     (1,578 )           (10,763 )
Recoveries     343       318       159       58       395       195             1,468  
Provisions     576       (1,041 )     44       (831 )     825       583       949       1,105  
Ending balance   $ 5,387       5,427       8,082       3,383       5,664       1,116       1,096       30,155  
                                                                 
Ending balances as of June 30, 2015:  Allowance for loan losses
                                                                 
Individually evaluated for impairment   $ 88       393       1,458       75       560       46             2,620  
                                                                 
Collectively evaluated for impairment   $ 5,299       5,034       6,624       3,308       5,104       1,070       1,096       27,535  
                                                                 
Loans acquired with deteriorated credit quality   $                                            
                                                                 
Loans receivable as of June 30, 2015:
                                                                 
Ending balance – total   $ 178,756       278,406       694,794       208,778       890,158       47,244             2,298,136  
Unamortized net deferred loan costs                                                             819  
Total non-covered loans                                                           $ 2,298,955  
                                                                 
Ending balances as of June 30, 2015: Loans
                                                                 
Individually evaluated for impairment   $ 686       5,377       19,847       527       20,454       79             46,970  
                                                                 
Collectively evaluated for impairment   $ 178,070       273,029       674,947       208,251       869,090       47,165             2,250,552  
                                                                 
Loans acquired with deteriorated credit quality   $                         614                   614  
Schedule of activity in the allowance for loan losses for covered loans

($ in thousands)   Covered Loans  
       
As of and for the three months ended June 30, 2016
Beginning balance   $ 1,399  
Charge-offs     (4 )
Recoveries     756  
Transferred to non-covered     (307 )
Provisions     (770 )
Ending balance   $ 1,074  
         
As of and for the six months ended June 30, 2016        
Beginning balance   $ 1,799  
Charge-offs     (245 )
Recoveries     1,959  
Transferred to non-covered     (307 )
Provisions     (2,132 )
Ending balance   $ 1,074  
         
Ending balances as of June 30, 2016:  Allowance for loan losses
 
Individually evaluated for impairment   $ 443  
Collectively evaluated for impairment     631  
Loans acquired with deteriorated credit quality      
         
Loans receivable as of June 30, 2016:
         
Ending balance – total   $ 78,387  
         
Ending balances as of June 30, 2016: Loans
         
Individually evaluated for impairment   $ 5,500  
Collectively evaluated for impairment     72,881  
Loans acquired with deteriorated credit quality     6  

 

($ in thousands)   Covered Loans  
       
As of and for the year ended December 31, 2015
Beginning balance   $ 2,281  
Charge-offs     (1,316 )
Recoveries     3,622  
Provision (reversal) for loan losses     (2,788 )
Ending balance   $ 1,799  
 
Ending balances as of December 31, 2015: Allowance for loan losses
 
Individually evaluated for impairment   $ 554  
Collectively evaluated for impairment     1,175  
Loans acquired with deteriorated credit quality     70  
         
Loans receivable as of December 31, 2015:
         
Ending balance – total   $ 102,641  
         
Ending balances as of December 31, 2015: Loans
         
Individually evaluated for impairment   $ 7,055  
Collectively evaluated for impairment     94,197  
Loans acquired with deteriorated credit quality     1,389  

 

($ in thousands)   Covered Loans  
       
As of and for the three months ended June 30, 2015
Beginning balance   $ 2,226  
Charge-offs     (676 )
Recoveries     545  
Provision (reversal) for loan losses     (160 )
Ending balance   $ 1,935  
         
As of and for the six months ended June 30, 2015
Beginning balance   $ 2,281  
Charge-offs     (1,116 )
Recoveries     1,198  
Provision (reversal) for loan losses     (428 )
Ending balance   $ 1,935  
 
Ending balances as of June 30, 2015: Allowance for loan losses
 
Individually evaluated for impairment   $ 455  
Collectively evaluated for impairment     1,434  
Loans acquired with deteriorated credit quality     46  
         
Loans receivable as of June 30, 2015:
         
Ending balance – total   $ 113,824  
         
Ending balances as of June 30, 2015: Loans
         
Individually evaluated for impairment   $ 6,763  
Collectively evaluated for impairment     105,290  
Loans acquired with deteriorated credit quality     1,771  
Schedule of impaired loans individually evaluated

 

($ in thousands)

 

  Recorded
Investment
    Unpaid 
Principal 
Balance
    Related 
Allowance
    Average 
Recorded 
Investment
 
Non-covered loans with no related allowance recorded:                                
                                 
Commercial, financial, and agricultural   $ 766       845             604  
                                 
Real estate – mortgage – construction, land development & other land loans     3,764       7,420             3,863  
                                 
Real estate – mortgage – residential (1-4 family) first mortgages     9,137       10,634             8,690  
                                 
Real estate – mortgage –home equity loans / lines of credit     145       203             139  
                                 
Real estate – mortgage –commercial and other     8,536       9,717             9,669  
                                 
Installment loans to individuals     2       3             2  
Total non-covered impaired loans with no allowance   $ 22,350       28,822             22,967  
                                 
Total covered impaired loans with no allowance   $ 3,000       3,361             3,991  
                                 
Total impaired loans with no allowance recorded   $ 25,350       32,183             26,958  
                                 
Non-covered  loans with an allowance recorded:                                
                                 
Commercial, financial, and agricultural   $ 93       111       14       286  
                                 
Real estate – mortgage – construction, land development & other land loans     850       873       172       886  
                                 
Real estate – mortgage – residential (1-4 family) first mortgages     11,271       11,447       1,263       12,196  
                                 
Real estate – mortgage –home equity loans / lines of credit     238       238       11       420  
                                 
Real estate – mortgage –commercial and other     4,857       5,036       478       5,490  
                                 
Installment loans to individuals     70       80       70       82  
Total non-covered impaired loans with allowance   $ 17,379       17,785       2,008       19,360  
                                 
Total covered impaired loans with allowance   $ 2,506       2,665       443       2,750  
                                 
Total impaired loans with an allowance recorded   $ 19,885       20,450       2,451       22,110  

 

 

($ in thousands)

 

  Recorded
Investment
    Unpaid 
Principal 
Balance
    Related
Allowance
    Average 
Recorded 
Investment
 
Non-covered loans with no related allowance recorded:                                
                                 
Commercial, financial, and agricultural   $ 360       422             194  
                                 
Real estate – mortgage – construction, land development & other land loans     3,944       7,421             4,636  
                                 
Real estate – mortgage – residential (1-4 family) first mortgages     8,713       9,803             7,309  
                                 
Real estate – mortgage –home equity loans / lines of credit     114       161             425  
                                 
Real estate – mortgage –commercial and other     11,565       13,144             16,590  
                                 
Installment loans to individuals     3       4             5  
Total non-covered impaired loans with no allowance   $ 24,699       30,955             29,159  
                                 
Total covered impaired loans with no allowance   $ 5,231       8,529             5,607  
                                 
Total impaired loans with no allowance recorded   $ 29,930       39,484             34,766  
                                 
Non-covered  loans with an allowance recorded:                                
                                 
Commercial, financial, and agricultural   $ 632       662       304       607  
                                 
Real estate – mortgage – construction, land development & other land loans     954       976       241       1,585  
                                 
Real estate – mortgage – residential (1-4 family) first mortgages     12,612       12,768       1,440       12,931  
                                 
Real estate – mortgage –home equity loans / lines of credit     644       645       321       430  
                                 
Real estate – mortgage –commercial and other     5,621       5,806       336       4,353  
                                 
Installment loans to individuals     73       80       45       75  
Total non-covered impaired loans with allowance   $ 20,536       20,937       2,687       19,981  
                                 
Total covered impaired loans with allowance   $ 3,213       3,476       624       3,742  
                                 
Total impaired loans with an allowance recorded   $ 23,749       24,413       3,311       23,723  
Schedule of recorded investment in loans by credit quality indicators

($ in thousands)      
    Pass     Special
Mention Loans
    Classified 
Accruing Loans
    Classified 
Nonaccrual 
Loans
    Total  
Non-covered loans:                                        
Commercial, financial, and agricultural   $ 235,000       2,855       4,137       2,870       244,862  
Real estate – construction, land development & other land loans     288,017       9,781       8,880       4,154       310,832  
Real estate – mortgage – residential (1-4 family) first mortgages     620,516       17,020       28,516       17,315       683,367  
Real estate – mortgage – home equity loans / lines of credit     220,230       1,373       4,897       2,406       228,906  
Real estate – mortgage – commercial and other     948,844       29,744       14,910       6,821       1,000,319  
Installment loans to individuals     49,583       352       237       215       50,387  
  Total   $ 2,362,190       61,125       61,577       33,781       2,518,673  
Unamortized net deferred loan costs                                     1,074  
Total non-covered  loans                                   $ 2,519,747  
                                         
Total covered loans   $ 58,153       1,745       14,295       4,194     $ 78,387  
                                         
               Total loans   $ 2,420,343       62,870       75,872       37,975     $ 2,598,134  

 

($ in thousands)      
    Pass     Special 
Mention Loans
    Classified 
Accruing Loans
    Classified
Nonaccrual 
Loans
    Total  
Non-covered loans:                                        
Commercial, financial, and agricultural   $ 191,905       3,453       3,476       2,964       201,798  
Real estate – construction, land development & other land loans     277,300       13,296       9,980       4,652       305,228  
Real estate – mortgage – residential (1-4 family) first mortgages     609,880       34,407       29,793       18,822       692,902  
Real estate – mortgage – home equity loans / lines of credit     207,335       7,045       4,473       3,142       221,995  
Real estate – mortgage – commercial and other     889,871       32,022       13,733       10,197       945,823  
Installment loans to individuals     46,209       776       464       217       47,666  
  Total   $ 2,222,500       90,999       61,919       39,994       2,415,412  
Unamortized net deferred loan costs                                     873  
Total non-covered  loans                                   $ 2,416,285  
                                         
Total covered loans   $ 71,398       7,423       16,004       7,816     $ 102,641  
                                         
               Total loans   $ 2,293,898       98,422       77,923       47,810     $ 2,518,926  
Schedule of information related to loans modified in a troubled debt restructuring

($ in thousands)   For the three months ended 
June 30, 2016
    For the three months ended 
June 30, 2015
 
    Number of
Contracts
    Pre-
Modification 
Restructured 
Balances
    Post-
Modification 
Restructured 
Balances
    Number of 
Contracts
    Pre-
Modification 
Restructured 
Balances
    Post-
Modification 
Restructured 
Balances
 
Non-covered TDRs – Accruing                                                
Commercial, financial, and agricultural         $     $       1       8       8  
Real estate – construction, land development & other land loans                                    
Real estate – mortgage – residential (1-4 family) first mortgages                       1       152       152  
Real estate – mortgage – home equity loans / lines of credit                                    
Real estate – mortgage – commercial and other                                    
Installment loans to individuals                                    
                                                 
Non-covered TDRs – Nonaccrual                                                
Commercial, financial, and agricultural                                    
Real estate – construction, land development & other land loans                                    
Real estate – mortgage – residential (1-4 family) first mortgages                                    
Real estate – mortgage – home equity loans / lines of credit                                    
Real estate – mortgage – commercial and other                                    
Installment loans to individuals                                    
Total non-covered TDRs arising during period                       2       160       160  
                                                 
Total covered TDRs arising during period– Accruing         $     $           $     $  
Total covered TDRs arising during period – Nonaccrual                                    
Total TDRs arising during period         $     $       2     $ 160     $ 160  

 

($ in thousands)   For the six months ended 
June 30, 2016
    For the six months ended 
June 30, 2015
 
    Number of
Contracts
    Pre-
Modification 
Restructured 
Balances
    Post-
Modification 
Restructured 
Balances
    Number of 
Contracts
    Pre-
Modification 
Restructured 
Balances
    Post-
Modification 
Restructured 
Balances
 
Non-covered TDRs – Accruing                                                
Commercial, financial, and agricultural         $     $       1     $ 8     $ 8  
Real estate – construction, land development & other land loans                                    
Real estate – mortgage – residential (1-4 family) first mortgages                       2       265       265  
Real estate – mortgage – home equity loans / lines of credit                                    
Real estate – mortgage – commercial and other                       1       51       51  
Installment loans to individuals                                    
                                                 
Non-covered TDRs – Nonaccrual                                                
Commercial, financial, and agricultural                                    
Real estate – construction, land development & other land loans                       1       1       1  
Real estate – mortgage – residential (1-4 family) first mortgages                       3       304       304  
Real estate – mortgage – home equity loans / lines of credit                                    
Real estate – mortgage – commercial and other                                    
Installment loans to individuals                                    
Total non-covered TDRs arising during period                       8       629       629  
                                                 
Total covered TDRs arising during period– Accruing         $     $       2     $ 139     $ 139  
Total covered TDRs arising during period – Nonaccrual                                    
Total TDRs arising during period         $     $       10     $ 768     $ 768  
Schedule od accruing restructured loans that defaulted in the period
($ in thousands)   For the three months ended 
June 30, 2016
    For the three months ended 
June 30, 2015
 
    Number of
Contracts
    Recorded 
Investment
    Number of
Contracts
    Recorded
Investment
 
                         
Non-covered accruing TDRs that subsequently defaulted                                
Commercial, financial, and agricultural         $       1     $ 7  
                                 
Total non-covered TDRs that subsequently defaulted         $       1     $ 7  
                                 
Total accruing covered TDRs that subsequently defaulted         $           $  
                                 
Total accruing TDRs that subsequently defaulted         $       1     $ 7  

($ in thousands)   For the six months ended 
June 30, 2016
    For the six months ended 
June 30, 2015
 
    Number of
Contracts
    Recorded 
Investment
    Number of
Contracts
    Recorded 
Investment
 
                         
Non-covered accruing TDRs that subsequently defaulted                                
Commercial, financial, and agricultural         $       1     $ 7  
Real estate – mortgage – residential (1–4 family first mortgages)                   1       34  
Real estate – mortgage – commercial and other     1       21              
                                 
Total non-covered TDRs that subsequently defaulted     1     $ 21       2     $ 41  
                                 
Total accruing covered TDRs that subsequently defaulted     1     $ 44           $  
                                 
Total accruing TDRs that subsequently defaulted     2     $ 65       2     $ 41  
XML 40 R29.htm IDEA: XBRL DOCUMENT v3.5.0.2
FDIC Indemnification Asset (Tables)
6 Months Ended
Jun. 30, 2016
Fdic Indemnification Asset [Abstract]  
Schedule of the FDIC indemnification asset components
($ in thousands)   June 30, 
2016
    December 31,
2015
    June 30, 
2015
 
Receivable (payable) related to loss claims incurred (recoveries), not yet received (paid), net   $ (1,542 )     (633 )     265  
Receivable related to estimated future claims on loans     6,383       8,675       11,003  
Receivable related to estimated future claims on foreclosed real estate     316       397       714  
     FDIC indemnification asset   $ 5,157       8,439       11,982  
Rollforward of the FDIC indemnification asset
($ in thousands)      
Balance at December 31, 2015   $ 8,439  
Decrease related to favorable changes in loss estimates     (2,246 )
Increase related to reimbursable expenses     205  
Cash paid (received)     738  
Amortization associated with accretion of loan discount     (2,005 )
Other     26  
Balance at June 30, 2016   $ 5,157  
         
XML 41 R30.htm IDEA: XBRL DOCUMENT v3.5.0.2
Goodwill and Other Intangible Assets (Tables)
6 Months Ended
Jun. 30, 2016
Goodwill And Other Intangible Assets [Abstract]  
Summary of the gross carrying amount and accumulated amortization of amortizable intangible assets and the carrying amount of unamortized intangible assets
    June 30, 2016     December 31, 2015     June 30, 2015  
($ in thousands)   Gross Carrying
Amount
    Accumulated 
Amortization
    Gross Carrying 
Amount
    Accumulated 
Amortization
    Gross Carrying 
Amount
    Accumulated 
Amortization
 
Amortizable intangible assets:                                                
   Customer lists   $ 2,369       624       678       550       678       528  
   Core deposit premiums     8,560       7,660       8,560       7,352       8,560       7,013  
   Other     1,032       65                          
        Total   $ 11,961       8,349       9,238       7,902       9,238       7,541  
                                                 
Unamortizable intangible assets:                                                
   Goodwill   $ 73,541               65,835               65,835          
Schedule of the estimated amortization expense for the five succeeding fiscal years

($ in thousands)

 

  Estimated Amortization 
Expense
 
July 1 to December 31, 2016   $ 587  
2017     934  
2018     624  
2019     471  
2020     301  
Thereafter     695  
         Total   $ 3,612  
         
XML 42 R31.htm IDEA: XBRL DOCUMENT v3.5.0.2
Pension Plans (Tables)
6 Months Ended
Jun. 30, 2016
Compensation and Retirement Disclosure [Abstract]  
Schedule of the components of pension (income) expense

    For the Three Months Ended June 30,  
    2016     2015     2016     2015     2016 Total     2015 Total  
($ in thousands)   Pension Plan     Pension Plan     SERP     SERP     Both Plans     Both Plans  
Service cost   $             27       46       27       46  
Interest cost     376       341       59       51       435       392  
Expected return on plan assets     (675 )     (710 )                 (675 )     (710 )
Amortization of transition obligation                                    
Amortization of net (gain)/loss     60             (9 )     (16 )     51       (16 )
Amortization of prior service cost                                    
   Net periodic pension (income)/cost   $ (239 )     (369 )     77       81       (162 )     (288 )

 

    For the Six Months Ended June 30,  
    2016     2015     2016     2015     2016 Total     2015 Total  
($ in thousands)   Pension Plan     Pension Plan     SERP     SERP     Both Plans     Both Plans  
Service cost – benefits earned during the period   $             53       125       53       125  
Interest cost     752       682       118       103       870       785  
Expected return on plan assets     (1,350 )     (1,418 )                 (1,350 )     (1,418 )
Amortization of transition obligation                                    
Amortization of net (gain)/loss     120             (18 )     (47 )     102       (47 )
Amortization of prior service cost                                    
   Net periodic pension cost (income)   $ (478 )     (736 )     153       181       (325 )     (555 )
XML 43 R32.htm IDEA: XBRL DOCUMENT v3.5.0.2
Comprehensive Income (Tables)
6 Months Ended
Jun. 30, 2016
Comprehensive Income [Abstract]  
Schedule of accumulated other comprehensive income (loss)

($ in thousands)

 

  June 30, 2016     December 31, 2015     June 30, 2015  
Unrealized gain (loss) on securities available for sale   $ 1,722       (1,163 )     (1,433 )
     Deferred tax asset (liability)     (671 )     454       560  
Net unrealized gain (loss) on securities available for sale     1,051       (709 )     (873 )
                         
Additional pension asset (liability)     (4,555 )     (4,657 )     (304 )
     Deferred tax asset (liability)     1,776       1,816       118  
Net additional pension asset (liability)     (2,779 )     (2,841 )     (186 )
                         
Total accumulated other comprehensive income (loss)   $ (1,728 )     (3,550 )     (1,059 )
Schedule of changes in accumulated other comprehensive income (loss)

($ in thousands)

 

  Unrealized Gain
(Loss) on
Securities 
Available for Sale
    Additional
Pension Asset 
(Liability)
    Total  
Beginning balance at January 1, 2016   $ (709 )     (2,841 )     (3,550 )
     Other comprehensive income (loss) before reclassifications     1,762             1,762  
     Amounts reclassified from accumulated other comprehensive income     (2 )     62       60  
Net current-period other comprehensive income (loss)     1,760       62       1,822  
                         
Ending balance at June 30, 2016   $ 1,051       (2,779 )     (1,728 )

 

($ in thousands)

 

  Unrealized Gain
(Loss) on 
Securities 
Available for Sale
    Additional
Pension Asset 
(Liability)
    Total  
Beginning balance at January 1, 2015   $ (421 )     (157 )     (578 )
     Other comprehensive income (loss) before reclassifications     (452 )           (452 )
     Amounts reclassified from accumulated other comprehensive income           (29 )     (29 )
Net current-period other comprehensive income (loss)     (452 )     (29 )     (481 )
                         
Ending balance at June 30, 2015   $ (873 )     (186 )     (1,059 )
XML 44 R33.htm IDEA: XBRL DOCUMENT v3.5.0.2
Fair Value (Tables)
6 Months Ended
Jun. 30, 2016
Fair Value [Abstract]  
Financial instruments that were measured at fair value on a recurring and nonrecurring basis

($ in thousands)            
Description of Financial Instruments   Fair Value at 
June 30, 2016
    Quoted Prices in 
Active Markets for 
Identical Assets
(Level 1)
    Significant Other 
Observable Inputs 
(Level 2)
    Significant
Unobservable Inputs 
(Level 3)
 
Recurring                                
     Securities available for sale:                                
        Government-sponsored enterprise securities   $ 15,992             15,992        
        Mortgage-backed securities     169,256             169,256        
        Corporate bonds     34,381             34,381        
        Equity securities     133             133        
          Total available for sale securities   $ 219,762             219,762        
                                 
Nonrecurring                                
     Impaired loans – covered   $ 2,063                   2,063  
     Impaired loans – non-covered     15,920                   15,920  
     Foreclosed real estate – covered     385                   385  
     Foreclosed real estate – non-covered     10,221                   10,221  
                                 

  

($ in thousands)            
Description of Financial Instruments   Fair Value at 
December 31, 
2015
    Quoted Prices in 
Active Markets 
for Identical
Assets (Level 1)
    Significant Other 
Observable Inputs
(Level 2)
    Significant 
Unobservable 
Inputs 
(Level 3)
 
Recurring                                
Securities available for sale:                                    
Government-sponsored enterprise securities   $ 18,972             18,972        
Mortgage-backed securities     121,553             121,553        
Corporate bonds     24,946             24,946        
Equity securities     143             143        
Total available for sale securities   $ 165,614             165,614        
                                 
Nonrecurring                                
     Impaired loans – covered   $ 2,588                   2,588  
     Impaired loans – non-covered     18,057                   18,057  
     Foreclosed real estate – covered     806                   806  
     Foreclosed real estate – non-covered     9,188                   9,188  
Level 3 assets and liabilities measured at fair value on a recurring or non-recurring basis

($ in thousands)          
Description   Fair Value at
June 30, 2016
    Valuation 
Technique
  Significant Unobservable 
Inputs
  General Range 
of Significant 
Unobservable 
Input Values
Impaired loans – covered   $ 2,063     Appraised value; PV of expected cash flows   Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell   0-10%
Impaired loans – non-covered     15,920     Appraised value; PV of expected cash flows   Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell   0-10%
Foreclosed real estate – covered     385     Appraised value; List or contract price   Discounts to reflect current market conditions and estimated costs to sell   0-10%
Foreclosed real estate – non-covered     10,221     Appraised value; List or contract price   Discounts to reflect current market conditions, abbreviated holding period and estimated costs to sell   0-10%
                     

  

($ in thousands)          
Description   Fair Value at 
December 31, 2015
    Valuation 
Technique
  Significant Unobservable
Inputs
  General Range
of Significant 
Unobservable 
Input Values
Impaired loans – covered   $ 2,588     Appraised value; PV of expected cash flows   Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell   0-10%
Impaired loans – non-covered     18,057     Appraised value; PV of expected cash flows   Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell   0-10%
Foreclosed real estate – covered     806     Appraised value; List or contract price   Discounts to reflect current market conditions and estimated costs to sell   0-10%
Foreclosed real estate – non-covered     9,188     Appraised value; List or contract price   Discounts to reflect current market conditions, abbreviated holding period and estimated costs to sell   0-10%
                     
Schedule of the carrying amounts and estimated fair values of financial instruments

        June 30, 2016     December 31, 2015  

 

($ in thousands)

  Level in Fair 
Value 
Hierarchy
  Carrying
Amount
    Estimated
Fair Value
    Carrying
Amount
    Estimated
Fair Value
 
                             
Cash and due from banks, noninterest-bearing   Level 1   $ 58,956       58,956       53,285       53,285  
Due from banks, interest-bearing   Level 1     189,404       189,404       213,426       213,426  
Federal funds sold   Level 1     143       143       557       557  
Securities available for sale   Level 2     219,762       219,762       165,614       165,614  
Securities held to maturity   Level 2     142,073       146,099       154,610       157,146  
Presold mortgages in process of settlement   Level 1     4,104       4,104       4,323       4,323  
Total loans, net of allowance   Level 3     2,572,111       2,548,380       2,490,343       2,484,059  
Accrued interest receivable   Level 1     9,152       9,152       9,166       9,166  
FDIC indemnification asset   Level 3     5,157       5,109       8,439       8,256  
Bank-owned life insurance   Level 1     73,098       73,098       72,086       72,086  
                                     
Deposits   Level 2     2,872,020       2,871,399       2,811,285       2,809,828  
Borrowings   Level 2     206,394       198,531       186,394       178,468  
Accrued interest payable   Level 2     586       586       585       585  
                                     
XML 45 R34.htm IDEA: XBRL DOCUMENT v3.5.0.2
Equity-Based Compensation Plans (Narrative) (Details) - USD ($)
3 Months Ended 6 Months Ended 12 Months Ended
Feb. 24, 2016
Feb. 24, 2015
Feb. 11, 2014
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Dec. 31, 2014
Stock based compensation expense       $ 258,000 $ 277,000 $ 380,000 $ 404,000    
Stock based compensation, income tax benefit           148,000 157,500    
Proceeds from stock options exercised       248,000 32,000 $ 375,000 $ 32,000    
Non-employee directors [Member]                  
Shares granted to directors           6,584 8,176    
Shares granted per director           823 1,022    
Shares granted to directors, Per share           $ 19.56 $ 15.75    
Employees [Member]                  
Stock based compensation expense       69,000 101,000 $ 139,000 $ 182,000    
Vesting period           3 years   3 years  
Total compensation expense associated with senior executives grants       $ 976,000   $ 976,000   $ 976,000  
Grants in period (options)           56,002   56,002  
First Bancorp 2014 Equity Plan [Member]                  
Shares remaining available for grant       881,797   881,797      
Director equity grants granted, value           $ 16,000      
First Bancorp Plans [Member]                  
Stock options outstanding       59,948   59,948      
Exercise price range - floor           $ 14.35      
Exercise prices range - ceiling           $ 21.80      
Director grants [Member] | Other operating expenses [Member]                  
Stock based compensation expense           $ 129,000      
Employee grants [Member] | Salaries expense [Member]                  
Stock based compensation expense           251,000      
Restricted Stock [Member]                  
Stock-based compensation expense expected to be recorded       $ 255,000   $ 255,000      
Restricted Stock [Member] | CEO [Member]                  
Stock based compensation expense             46,000    
Vesting period           2 years      
Total compensation expense associated with senior executives grants     $ 278,200            
Equity grants     15,657            
Restricted Stock [Member] | Senior Executives [Member]                  
Stock based compensation expense       $ 55,000 $ 67,000 $ 111,000 $ 134,000    
Vesting period                 3 years
Total compensation expense associated with senior executives grants   $ 742,000              
Grants in period (options) 40,914 40,914              
Percent of bonus earned under the incentive plan in cash                 50.00%
Percent of bonus earned under the incentive plan in shares of restricted stock                 50.00%
XML 46 R35.htm IDEA: XBRL DOCUMENT v3.5.0.2
Equity-Based Compensation Plans (Schedule of Company's Stock Options Outstanding) (Details) - Stock Options [Member]
$ / shares in Units, $ in Thousands
6 Months Ended
Jun. 30, 2016
USD ($)
$ / shares
shares
Number of shares:  
Balance options outstanding, beginning | shares 117,408
Granted | shares
Exercised | shares (23,710)
Forfeited | shares
Expired | shares (33,750)
Balance options outstanding, end | shares 59,948
Exercisable, end of period | shares 59,948
Weighted Average Exercise Price  
Balance, beginning | $ / shares $ 18.12
Granted | $ / shares
Exercised | $ / shares 15.84
Forfeited | $ / shares
Expired | $ / shares 21.39
Outstanding | $ / shares 17.18
Exercisable | $ / shares $ 17.18
Weighted- Average Contractual Term (years), outstanding 1 year 10 months 24 days
Weighted- Average Contractual Term (years), exercisable 1 year 10 months 24 days
Aggregate Intrinsic Value, exercised | $ $ 81,894
Aggregate Intrinsic Value, outstanding | $ 57,084
Aggregate Intrinsic Value, exercisable | $ $ 57,084
XML 47 R36.htm IDEA: XBRL DOCUMENT v3.5.0.2
Equity-Based Compensation Plans (Schedule of Outstanding Restricted Stock) (Details) - Long-Term Restricted Stock [Member]
6 Months Ended
Jun. 30, 2016
$ / shares
shares
Number of Units:  
Nonvested, beginning | shares 55,329
Granted during the period | shares 31,298
Vested during the period | shares (5,219)
Forfeited or expired during the period | shares
Nonvested, ending | shares 81,408
Weighted-Average Grant Date Fair Value:  
Nonvested, beginning | $ / shares $ 17.31
Granted during the period | $ / shares 18.65
Vested during the period | $ / shares 17.77
Forfeited or expired during the period | $ / shares
Nonvested, ending | $ / shares $ 17.80
XML 48 R37.htm IDEA: XBRL DOCUMENT v3.5.0.2
Earnings Per Common Share (Narrative) (Details) - shares
3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Stock Option [Member]        
Antidilutive Securities Excluded from Computation of Earnings Per Share [Line Items]        
Number of anti-dilutive securities 16,250 108,214 16,250 52,500
XML 49 R38.htm IDEA: XBRL DOCUMENT v3.5.0.2
Earnings Per Common Share (Reconciliation Of Numerators And Denominators ) (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Basic EPS        
Net income available to common shareholders $ 7,580 $ 6,032 $ 14,359 $ 12,803
Shares (denominator) 19,921,413 19,778,640 19,852,580 19,750,316
Basic EPS $ 0.38 $ 0.3 $ 0.72 $ 0.65
Effect of Dilutive Securities Income (numerator) $ 59 $ 58 $ 117 $ 117
Effect of Dilutive Securities Shares (denominator) 772,231 730,315 774,432 731,150
Diluted EPS per common share        
Income (numerator) $ 7,639 $ 6,090 $ 14,476 $ 12,920
Shares (denominator) 20,693,644 20,508,955 20,627,012 20,481,466
Diluted EPS per common share $ 0.37 $ 0.30 $ 0.70 $ 0.63
XML 50 R39.htm IDEA: XBRL DOCUMENT v3.5.0.2
Securities (Narrative) (Details) - USD ($)
6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Securities [Abstract]      
Investment securities, pledged as collateral for public deposits $ 141,155,000   $ 141,379,000
Proceeds from sales of securities 8,000  
Net realized gains of investment securities 3,000    
Federal Home Loan Bank stock and Federal Reserve Bank stock, cost 16,881,000 15,453,000  
Federal Home Loan Bank Stock, cost 9,825,000 8,421,000  
Federal Reserve Bank, cost $ 7,056,000 $ 7,032,000  
XML 51 R40.htm IDEA: XBRL DOCUMENT v3.5.0.2
Securities (Summary of Book Values and Fair Values of Investment Securities) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Securities available for sale:      
Amortized Cost $ 218,039 $ 166,778  
Fair Value 219,762 165,614 $ 214,450
Unrealized Gains 2,095 413  
Unrealized (Losses) (372) (1,577)  
Securities held to maturity:      
Amortized Cost 142,073 154,610 165,245
Fair Value 146,099 157,146 $ 167,759
Unrealized Gains 4,026 3,284  
Unrealized (Losses) (748)  
Government-sponsored enterprise securities [Member]      
Securities available for sale:      
Amortized Cost 16,000 19,000  
Fair Value 15,992 18,972  
Unrealized Gains 2 1  
Unrealized (Losses) (10) (29)  
Mortgage-backed securities [Member]      
Securities available for sale:      
Amortized Cost 168,103 122,474  
Fair Value 169,256 121,553  
Unrealized Gains 1,437 348  
Unrealized (Losses) (284) (1,269)  
Securities held to maturity:      
Amortized Cost 92,675 102,509  
Fair Value 93,444 101,767  
Unrealized Gains 769  
Unrealized (Losses) (742)  
Corporate bonds [Member]      
Securities available for sale:      
Amortized Cost 33,853 25,216  
Fair Value 34,381 24,946  
Unrealized Gains 598  
Unrealized (Losses) (70) (270)  
Equity securities [Member]      
Securities available for sale:      
Amortized Cost 83 88  
Fair Value 133 143  
Unrealized Gains 58 64  
Unrealized (Losses) (8) (9)  
State and local governments [Member]      
Securities held to maturity:      
Amortized Cost 49,398 52,101  
Fair Value 52,655 55,379  
Unrealized Gains 3,257 3,284  
Unrealized (Losses) $ (6)  
XML 52 R41.htm IDEA: XBRL DOCUMENT v3.5.0.2
Securities (Schedule of Information Regarding Securities with Unrealized Losses) (Details) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2016
Dec. 31, 2015
Securities in an Unrealized Loss Position for Less than 12 Months    
Total temporarily impaired securities Fair Value $ 15,909 $ 181,692
Total temporarily impaired securities Unrealized Losses 29 1,371
Securities in an Unrealized Loss Position for More than 12 Months    
Total temporarily impaired securities Fair Value 24,186 31,395
Total temporarily impaired securities Unrealized Losses 343 954
Total temporarily impaired securities Fair Value 40,095 213,087
Total temporarily impaired securities Unrealized Losses 372 2,325
Government-sponsored enterprise securities [Member]    
Securities in an Unrealized Loss Position for Less than 12 Months    
AFS Fair Value 9,992 5,993
AFS Unrealized Losses 7 7
Securities in an Unrealized Loss Position for More than 12 Months    
AFS Fair Value 2,997 2,978
AFS Unrealized Losses 3 22
Total temporarily impaired securities Fair Value 12,989 8,971
Total temporarily impaired securities Unrealized Losses 10 29
Mortgage-backed securities [Member]    
Securities in an Unrealized Loss Position for Less than 12 Months    
AFS Fair Value 5,917 150,853
AFS Unrealized Losses 22 1,148
Securities in an Unrealized Loss Position for More than 12 Months    
AFS Fair Value 20,242 27,460
AFS Unrealized Losses 262 863
Total temporarily impaired securities Fair Value 26,159 178,313
Total temporarily impaired securities Unrealized Losses 284 2,011
Corporate bonds [Member]    
Securities in an Unrealized Loss Position for Less than 12 Months    
AFS Fair Value 24,006
AFS Unrealized Losses 210
Securities in an Unrealized Loss Position for More than 12 Months    
AFS Fair Value 930 940
AFS Unrealized Losses 70 60
Total temporarily impaired securities Fair Value 930 24,946
Total temporarily impaired securities Unrealized Losses 70 270
Equity securities [Member]    
Securities in an Unrealized Loss Position for Less than 12 Months    
AFS Fair Value
AFS Unrealized Losses
Securities in an Unrealized Loss Position for More than 12 Months    
AFS Fair Value 17 17
AFS Unrealized Losses 8 9
Total temporarily impaired securities Fair Value 17 17
Total temporarily impaired securities Unrealized Losses 8 9
State and local governments [Member]    
Securities in an Unrealized Loss Position for Less than 12 Months    
HTM Fair Value 840
HTM Unrealized Losses 6
Securities in an Unrealized Loss Position for More than 12 Months    
AFS Fair Value
AFS Unrealized Losses  
HTM Fair Value
HTM Unrealized Losses
Total temporarily impaired securities Fair Value 840
Total temporarily impaired securities Unrealized Losses $ 6
XML 53 R42.htm IDEA: XBRL DOCUMENT v3.5.0.2
Securities (Schedule of Book Values and Fair Values of Investment Securities by Contractual Maturity) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Securities Available for Sale - Amortized Cost      
Due within one year    
Due after one year but within five years 3,000    
Due after five years but within ten years 41,853    
Due after ten years 5,000    
Mortgage-backed securities 168,103    
Total debt securities 217,956    
Equity securities 83    
Total securities 218,039 $ 166,778  
Securities Available for Sale - Fair Value      
Due within one year    
Due after one year but within five years 2,997    
Due after five years but within ten years 42,366    
Due after ten years 5,010    
Mortgage-backed securities 169,256    
Total debt securities 219,629    
Equity securities 133    
Total securities 219,762 165,614 $ 214,450
Securities Held to Maturity - Amortized Cost      
Due within one year 1,307    
Due after one year but within five years 15,795    
Due after five years but within ten years 31,127    
Due after ten years 1,169    
Mortgage-backed securities 92,675    
Total debt securities 142,073 154,610 165,245
Total securities 142,073    
Securities Held to Maturity - Fair Value      
Due within one year 1,330    
Due after one year but within five years 16,590    
Due after five years but within ten years 33,552    
Due after ten years 1,183    
Mortgage-backed securities 93,444    
Total debt securities 146,099    
Securities held to maturity $ 146,099 $ 157,146 $ 167,759
XML 54 R43.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Narrative) (Details) - USD ($)
3 Months Ended 6 Months Ended 12 Months Ended
Apr. 02, 2016
Jun. 30, 2016
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Total Covered Loans - Carrying Value   $ 78,387,000 $ 78,387,000 $ 102,641,000 $ 113,824,000
Foreclosed real estate - covered   385,000 385,000 806,000 1,945,000
Nonaccrual loans   37,975,000 37,975,000 47,810,000  
Unamortized premiums on loans   $ 1,074,000 1,074,000 873,000 819,000
Accretion of loan discount     $ 1,908,000 4,751,000  
Percentage of loan discount accretion   80.00% 80.00%    
Contractual balance of nonaccrual loans   $ 5,000,000 $ 5,000,000 12,300,000 12,700,000
Classified loans transferred to non-covered category upon expiration of FDIC loss share agreement   3,800,000 3,800,000    
Minimum [Member]          
Grading system for consumer loans     500,000    
Purchased Impaired Loans [Member]          
Accretion of loan discount   741,000 780,000    
Payments that exceeded the initial carrying amount on purchased impaired loans   1,062,000 1,108,000    
Additional loan interest income   321,000 328,000    
Non-Covered Purchased Nonimpaired Loans [Member]          
Accretion of loan discount     43,000    
Remaining loan discount for non-covered purchased nonaccruing loans   391,000 391,000    
Purchased Covered Nonimpaired Loans [Member]          
Accretion of loan discount     1,908,000 4,751,000  
Remaining loan discount for covered purchased accruing loans   11,179,000 11,179,000    
Remaining loan discount for covered purchased nonaccruing loans   581,000 581,000    
Non-covered [Member]          
Nonaccrual loans   33,781,000 33,781,000 39,994,000  
Unamortized premiums on loans   1,074,000 1,074,000 873,000 819,000
Consumer loans moved from "special mention" to "pass"   25,400,000 25,400,000    
Reclassification of perfoming loans to FDIC loss-share provisions   17,700,000 17,700,000    
Covered [Member]          
Total Covered Loans - Carrying Value   78,387,000 78,387,000 102,641,000 113,824,000
Nonaccrual loans   4,194,000 4,194,000 7,816,000  
Consumer loans moved from "special mention" to "pass"   4,300,000 4,300,000    
Real estate mortgage residential (1-4 family) first mortgages [Member]          
Total Covered Loans - Carrying Value   68,079,000 68,079,000 $ 75,657,000  
Nonaccrual loans in process of foreclosure   $ 1,800,000 $ 1,800,000   $ 5,100,000
Covered Loss Sharing Protection Change [Member]          
Total Covered Loans - Carrying Value $ 17,700,000        
Foreclosed real estate - covered 1,200,000        
Nonaccrual loans 2,800,000        
Transfer of allowance of loan losses from covered to non-covered 300,000        
Total loans transferred to non-covered status $ 17,700,000        
XML 55 R44.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Summary of Major Categories of Total Loans Outstanding) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
All loans (non-covered and covered):      
Amount of loans $ 2,597,060 $ 2,518,053 $ 2,411,960
Percentage of Loans 100.00% 100.00% 100.00%
Unamortized net deferred loan costs $ 1,074 $ 873 $ 819
Total loans 2,598,134 2,518,926 2,412,779
Commercial, financial and agricultural [Member]      
All loans (non-covered and covered):      
Amount of loans $ 244,862 $ 202,671 $ 179,909
Percentage of Loans 9.00% 8.00% 7.00%
Real Estate construction, land development and other land loans [Member]      
All loans (non-covered and covered):      
Amount of loans $ 310,993 $ 308,969 $ 282,262
Percentage of Loans 12.00% 12.00% 12.00%
Real estate mortgage residential (1-4 family) first mortgages [Member]      
All loans (non-covered and covered):      
Amount of loans $ 751,446 $ 768,559 $ 777,515
Percentage of Loans 29.00% 31.00% 32.00%
Real estate mortgage home equity loans/lines of credit [Member]      
All loans (non-covered and covered):      
Amount of loans $ 238,794 $ 232,601 $ 220,534
Percentage of Loans 9.00% 9.00% 9.00%
Real estate mortgage commercial and other [Member]      
All loans (non-covered and covered):      
Amount of loans $ 1,000,578 $ 957,587 $ 904,496
Percentage of Loans 39.00% 38.00% 38.00%
Installment loans to individual [Member]      
All loans (non-covered and covered):      
Amount of loans $ 50,387 $ 47,666 $ 47,244
Percentage of Loans 2.00% 2.00% 2.00%
XML 56 R45.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Summary of Major Categories of Non-Covered Loans Outstanding) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Non-covered loans:      
Total loans $ 2,518,673 $ 2,415,412 $ 2,298,136
Percentage of Loans 100.00% 100.00% 100.00%
Unamortized net deferred loan costs $ 1,074 $ 873 $ 819
Loans - non-covered 2,519,747 2,416,285 2,298,955
Commercial, financial and agricultural [Member]      
Non-covered loans:      
Total loans $ 244,862 $ 201,798 $ 178,756
Percentage of Loans 10.00% 8.00% 8.00%
Real Estate construction, land development and other land loans [Member]      
Non-covered loans:      
Total loans $ 310,832 $ 305,228 $ 278,406
Percentage of Loans 12.00% 13.00% 12.00%
Real estate mortgage residential (1-4 family) first mortgages [Member]      
Non-covered loans:      
Total loans $ 683,367 $ 692,902 $ 694,794
Percentage of Loans 27.00% 29.00% 30.00%
Real estate mortgage home equity loans/lines of credit [Member]      
Non-covered loans:      
Total loans $ 228,906 $ 221,995 $ 208,778
Percentage of Loans 9.00% 9.00% 9.00%
Real estate mortgage commercial and other [Member]      
Non-covered loans:      
Total loans $ 1,000,319 $ 945,823 $ 890,158
Percentage of Loans 40.00% 39.00% 39.00%
Installment loans to individual [Member]      
Non-covered loans:      
Total loans $ 50,387 $ 47,666 $ 47,244
Percentage of Loans 2.00% 2.00% 2.00%
XML 57 R46.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Schedule of Carrying Amount of Covered Loans) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Covered loans:      
Impaired Purchased Loans - Carrying Value $ 6 $ 1,389  
Impaired Purchased Loans - Unpaid Principal Balance 47 4,148  
Nonimpaired Purchased Loans - Carrying Value 78,381 101,252  
Nonimpaired Purchased Loans - Unpaid Principal Balance 90,536 116,334  
Total Covered Loans - Carrying Value 78,387 102,641 $ 113,824
Total Covered Loans - Unpaid Principal Balance 90,583 120,482  
Commercial, financial and agricultural [Member]      
Covered loans:      
Impaired Purchased Loans - Carrying Value  
Impaired Purchased Loans - Unpaid Principal Balance  
Nonimpaired Purchased Loans - Carrying Value 873  
Nonimpaired Purchased Loans - Unpaid Principal Balance 886  
Total Covered Loans - Carrying Value 873  
Total Covered Loans - Unpaid Principal Balance 886  
Real Estate construction, land development and other land loans [Member]      
Covered loans:      
Impaired Purchased Loans - Carrying Value 277  
Impaired Purchased Loans - Unpaid Principal Balance 365  
Nonimpaired Purchased Loans - Carrying Value 161 3,464  
Nonimpaired Purchased Loans - Unpaid Principal Balance 162 3,457  
Total Covered Loans - Carrying Value 161 3,741  
Total Covered Loans - Unpaid Principal Balance 162 3,822  
Real estate mortgage residential (1-4 family) first mortgages [Member]      
Covered loans:      
Impaired Purchased Loans - Carrying Value 102  
Impaired Purchased Loans - Unpaid Principal Balance 33 633  
Nonimpaired Purchased Loans - Carrying Value 68,079 75,555  
Nonimpaired Purchased Loans - Unpaid Principal Balance 78,940 88,434  
Total Covered Loans - Carrying Value 68,079 75,657  
Total Covered Loans - Unpaid Principal Balance 78,973 89,067  
Real estate mortgage home equity loans/lines of credit [Member]      
Covered loans:      
Impaired Purchased Loans - Carrying Value 6 7  
Impaired Purchased Loans - Unpaid Principal Balance 14 14  
Nonimpaired Purchased Loans - Carrying Value 9,882 10,599  
Nonimpaired Purchased Loans - Unpaid Principal Balance 11,140 12,099  
Total Covered Loans - Carrying Value 9,888 10,606  
Total Covered Loans - Unpaid Principal Balance 11,154 12,113  
Real estate mortgage commercial and other [Member]      
Covered loans:      
Impaired Purchased Loans - Carrying Value 1,003  
Impaired Purchased Loans - Unpaid Principal Balance 3,136  
Nonimpaired Purchased Loans - Carrying Value 259 10,761  
Nonimpaired Purchased Loans - Unpaid Principal Balance 294 11,458  
Total Covered Loans - Carrying Value 259 11,764  
Total Covered Loans - Unpaid Principal Balance 294 $ 14,594  
Installment loans to individual [Member]      
Covered loans:      
Impaired Purchased Loans - Carrying Value    
Impaired Purchased Loans - Unpaid Principal Balance    
Nonimpaired Purchased Loans - Carrying Value    
Nonimpaired Purchased Loans - Unpaid Principal Balance    
Total Covered Loans - Carrying Value    
Total Covered Loans - Unpaid Principal Balance    
XML 58 R47.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Schedule of Covered Purchased Nonimpaired Loans) (Details) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2016
Dec. 31, 2015
Covered purchased nonimpaired loans:    
Carrying amount of nonimpaired covered loans, beginning balance $ 101,252 $ 125,644
Principal repayments (7,997) (30,238)
Transfers to foreclosed real estate (1,036) (1,211)
Transfers to non-covered loans due to expiration of loss-share agreement (17,530)  
Net loan (charge-offs) / recoveries 1,784 2,306
Accretion of loan discount 1,908 4,751
Balance, ending, carrying value $ 78,381 $ 101,252
XML 59 R48.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Schedule of Applied Cost Recovery Method of Purchased Impaired Loans) (Details) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2016
Dec. 31, 2015
Purchased impaired loans (substantially all of which are covered loans)    
Balance, beginning, carrying value $ 1,970 $ 2,597
Change due to payments received (1,139) (532)
Transfer to foreclosed real estate   (95)
Change due to loan charge-off (70) 1,970
Other  
Balance, ending, carrying value 761 1,970
Contractual Principal Receivable [Member]    
Purchased impaired loans (substantially all of which are covered loans)    
Balance, beginning, contractual principal 4,791 5,859
Change due to payments received (3,392) (634)
Transfer to foreclosed real estate   (431)
Change due to loan charge-off (394)  
Other   (3)
Balance, ending, contractual principal 1,005 4,791
Fair Market Value Adjustment Write Down (Nonaccretable Difference) [Member]    
Purchased impaired loans (substantially all of which are covered loans)    
Balance, beginning, FMV 2,821 3,262
Change due to payments received (2,253) (102)
Transfer to foreclosed real estate   (336)
Change due to loan charge-off (324)  
Other   (3)
Balance, ending, FMV $ 244 $ 2,821
XML 60 R49.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Summary of Nonperforming Assets) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
ASSET QUALITY DATA      
Nonaccrual loans $ 37,975 $ 47,810  
Foreclosed real estate - non-covered 10,221 9,188 $ 9,954
Foreclosed real estate - covered 385 806 1,945
Total nonperforming assets 77,852 89,293 99,369
Non-covered nonperforming Assets [Member]      
ASSET QUALITY DATA      
Nonaccrual loans 33,781 39,994 44,123
Restructured loans - accruing 25,826 28,011 32,059
Accruing loans > 90 days past due
Total nonperforming loans 59,607 68,005 76,182
Foreclosed real estate - non-covered 10,221 9,188 9,954
Total nonperforming assets 69,828 77,193 86,136
Covered nonperforming Assets [Member]      
ASSET QUALITY DATA      
Nonaccrual loans [1] 4,194 7,816 7,378
Restructured loans - accruing 3,445 3,478 3,910
Accruing loans > 90 days past due
Total nonperforming loans 7,639 11,294 11,288
Foreclosed real estate - covered 385 806 1,945
Total nonperforming assets $ 8,024 $ 12,100 $ 13,233
[1] At June 30, 2016, December 31, 2015, and June 30, 2015, the contractual balance of the nonaccrual loans covered by FDIC loss share agreements was $5.0 million, $12.3 million, and $12.7 million,
XML 61 R50.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Schedule of Nonaccrual Loans) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Company's nonaccrual loans:    
Nonaccrual loans $ 37,975 $ 47,810
Commercial, financial, and agricultural [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 2,870 2,964
Real estate construction, land development & other land loans [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 4,154 4,704
Real estate mortgage residential (1-4 family) first mortgages [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 21,156 23,829
Real estate mortgage home equity loans / lines of credit [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 2,759 3,525
Real estate mortgage commercial and other [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 6,821 12,571
Installment loans to individuals [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 215 217
Non-covered [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 33,781 39,994
Non-covered [Member] | Commercial, financial, and agricultural [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 2,870 2,964
Non-covered [Member] | Real estate construction, land development & other land loans [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 4,154 4,652
Non-covered [Member] | Real estate mortgage residential (1-4 family) first mortgages [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 17,315 18,822
Non-covered [Member] | Real estate mortgage home equity loans / lines of credit [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 2,406 3,142
Non-covered [Member] | Real estate mortgage commercial and other [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 6,821 10,197
Non-covered [Member] | Installment loans to individuals [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 215 217
Covered [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 4,194 7,816
Covered [Member] | Commercial, financial, and agricultural [Member]    
Company's nonaccrual loans:    
Nonaccrual loans
Covered [Member] | Real estate construction, land development & other land loans [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 52
Covered [Member] | Real estate mortgage residential (1-4 family) first mortgages [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 3,841 5,007
Covered [Member] | Real estate mortgage home equity loans / lines of credit [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 353 383
Covered [Member] | Real estate mortgage commercial and other [Member]    
Company's nonaccrual loans:    
Nonaccrual loans 2,374
Covered [Member] | Installment loans to individuals [Member]    
Company's nonaccrual loans:    
Nonaccrual loans
XML 62 R51.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Schedule of Analysis of Payment Status of Loans) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Analysis of the payment status of loans      
Nonaccrual loans $ 37,975 $ 47,810  
Current 2,547,123 2,439,750  
Total loans 2,519,747 2,416,285 $ 2,298,955
Total Covered Loans - Carrying Value 78,387 102,641 113,824
Total loans 2,598,134 2,518,926 2,412,779
30-59 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 7,033 25,099  
60-89 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 4,929 5,394  
Commercial, financial, and agricultural [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 2,870 2,964  
Real estate construction, land development & other land loans [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 4,154 4,704  
Real estate mortgage residential (1-4 family) first mortgages [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 21,156 23,829  
Real estate mortgage home equity loans / lines of credit [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 2,759 3,525  
Real estate mortgage commercial and other [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 6,821 12,571  
Installment loans to individuals [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 215 217  
Non-covered [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 33,781 39,994  
Current 2,474,575 2,348,640  
Total loans 2,519,747 2,416,285 2,298,955
Non-covered [Member] | 30-59 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 6,861 21,786  
Non-covered [Member] | 60-89 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 3,456 4,992  
Non-covered [Member] | Commercial, financial, and agricultural [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 2,870 2,964  
Current 240,154 197,708  
Total loans 244,862 201,798  
Non-covered [Member] | Commercial, financial, and agricultural [Member] | 30-59 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 195 999  
Non-covered [Member] | Commercial, financial, and agricultural [Member] | 60-89 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 1,643 127  
Non-covered [Member] | Real estate construction, land development & other land loans [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 4,154 4,652  
Current 305,514 298,635  
Total loans 310,832 305,228  
Non-covered [Member] | Real estate construction, land development & other land loans [Member] | 30-59 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 961 1,512  
Non-covered [Member] | Real estate construction, land development & other land loans [Member] | 60-89 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 203 429  
Non-covered [Member] | Real estate mortgage residential (1-4 family) first mortgages [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 17,315 18,822  
Current 662,715 658,738  
Total loans 683,367 692,902  
Non-covered [Member] | Real estate mortgage residential (1-4 family) first mortgages [Member] | 30-59 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 2,574 12,130  
Non-covered [Member] | Real estate mortgage residential (1-4 family) first mortgages [Member] | 60-89 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 763 3,212  
Non-covered [Member] | Real estate mortgage home equity loans / lines of credit [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 2,406 3,142  
Current 225,514 217,472  
Total loans 228,906 221,995  
Non-covered [Member] | Real estate mortgage home equity loans / lines of credit [Member] | 30-59 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 765 1,276  
Non-covered [Member] | Real estate mortgage home equity loans / lines of credit [Member] | 60-89 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 221 105  
Non-covered [Member] | Real estate mortgage commercial and other [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 6,821 10,197  
Current 991,127 929,171  
Total loans 1,000,319 945,823  
Non-covered [Member] | Real estate mortgage commercial and other [Member] | 30-59 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 1,998 5,591  
Non-covered [Member] | Real estate mortgage commercial and other [Member] | 60-89 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 373 864  
Non-covered [Member] | Installment loans to individuals [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 215 217  
Current 49,551 46,916  
Total loans 50,387 47,666  
Non-covered [Member] | Installment loans to individuals [Member] | 30-59 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 368 278  
Non-covered [Member] | Installment loans to individuals [Member] | 60-89 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 253 255  
Covered [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 4,194 7,816  
Current 72,548 91,110  
Total Covered Loans - Carrying Value 78,387 102,641 $ 113,824
Covered [Member] | 30-59 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 172 3,313  
Covered [Member] | 60-89 Days past due [Member]      
Analysis of the payment status of loans      
Financing receivable, past due 1,473 402  
Covered [Member] | Commercial, financial, and agricultural [Member]      
Analysis of the payment status of loans      
Nonaccrual loans  
Covered [Member] | Real estate construction, land development & other land loans [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 52  
Covered [Member] | Real estate mortgage residential (1-4 family) first mortgages [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 3,841 5,007  
Covered [Member] | Real estate mortgage home equity loans / lines of credit [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 353 383  
Covered [Member] | Real estate mortgage commercial and other [Member]      
Analysis of the payment status of loans      
Nonaccrual loans 2,374  
Covered [Member] | Installment loans to individuals [Member]      
Analysis of the payment status of loans      
Nonaccrual loans  
XML 63 R52.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Schedule of Activity in Allowance for Loan Losses for Non-Covered Loans) (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Beginning balance       $ 33,770 $ 33,770
Charge-offs       (5,403)  
Recoveries       787  
Provisions $ (281) $ 841 $ (23) 677  
Ending balance   30,155   30,155  
Loans receivable:          
Ending balance - total 2,597,060 2,411,960 2,597,060 2,411,960 2,518,053
Unamortized net deferred loan costs 1,074 819 1,074 819 873
Total non-covered loans 2,519,747 2,298,955 2,519,747 2,298,955 2,416,285
Non-covered [Member]          
Beginning balance 25,249 33,770 26,784 38,345 38,345
Charge-offs (1,853) (5,403) (5,716) (10,763) (17,115)
Recoveries 757 787 1,465 1,468 3,546
Transfers from covered category 307   307    
Provisions 489 1,001 2,109 1,105 2,008
Ending balance 24,949 30,155 24,949 30,155 26,784
Ending balances: Allowance for loan losses          
Individually evaluated for impairment 2,008 2,620 2,008 2,620 2,687
Collectively evaluated for impairment 22,941 27,535 22,941 27,535 24,097
Loans receivable:          
Ending balance - total 2,518,673 2,298,136 2,518,673 2,298,136 2,415,412
Unamortized net deferred loan costs 1,074 819 1,074 819 873
Total non-covered loans 2,519,747 2,298,955 2,519,747 2,298,955 2,416,285
Ending balances: Loans          
Individually evaluated for impairment 38,974 46,970 38,974 46,970 44,654
Collectively evaluated for impairment 2,478,944 2,250,552 2,478,944 2,250,552 2,370,177
Loans acquired with deteriorated credit quality 755 614 755 614 581
Commercial, financial and agricultural [Member]          
Beginning balance 4,679 5,738 4,742 6,769 6,769
Charge-offs (57) (1,407) (734) (2,301) (2,908)
Recoveries 216 256 302 343 831
Transfers from covered category 56   56    
Provisions (612) 800 (84) 576 50
Ending balance 4,282 5,387 4,282 5,387 4,742
Ending balances: Allowance for loan losses          
Individually evaluated for impairment 14 88 14 88 304
Collectively evaluated for impairment 4,268 5,299 4,268 5,299 4,438
Loans receivable:          
Ending balance - total 244,862 179,909 244,862 179,909 202,671
Ending balances: Loans          
Individually evaluated for impairment 859 686 859 686 992
Collectively evaluated for impairment 244,003 178,070 244,003 178,070 200,806
Loans acquired with deteriorated credit quality
Commercial, financial and agricultural [Member] | Non-covered [Member]          
Loans receivable:          
Ending balance - total 244,862 178,756 244,862 178,756 201,798
Total non-covered loans 244,862   244,862    
Real Estate construction, land development and other land loans [Member]          
Beginning balance 3,345 7,144 3,754 8,158 8,158
Charge-offs (137) (702) (477) (2,008) (3,034)
Recoveries 121 52 211 318 998
Transfers from covered category 62   62    
Provisions (492) (1,067) (651) (1,041) (2,368)
Ending balance 2,899 5,427 2,899 5,427 3,754
Ending balances: Allowance for loan losses          
Individually evaluated for impairment 172 393 172 393 241
Collectively evaluated for impairment 2,727 5,034 2,727 5,034 3,513
Loans receivable:          
Ending balance - total 310,993 282,262 310,993 282,262 308,969
Ending balances: Loans          
Individually evaluated for impairment 4,614 5,377 4,614 5,377 4,898
Collectively evaluated for impairment 306,218 273,029 306,218 273,029 300,330
Loans acquired with deteriorated credit quality
Real Estate construction, land development and other land loans [Member] | Non-covered [Member]          
Loans receivable:          
Ending balance - total 310,832 278,406 310,832 278,406 305,228
Total non-covered loans 310,832   310,832    
Real estate mortgage residential (1-4 family) first mortgages [Member]          
Beginning balance 7,374 9,327 7,832 10,136 10,136
Charge-offs (740) (818) (2,691) (2,257) (4,904)
Recoveries 61 146 295 159 279
Transfers from covered category 51   51    
Provisions 1,114 (573) 2,373 44 2,321
Ending balance 7,860 8,082 7,860 8,082 7,832
Ending balances: Allowance for loan losses          
Individually evaluated for impairment 1,263 1,458 1,263 1,458 1,440
Collectively evaluated for impairment 6,597 6,624 6,597 6,624 6,392
Loans receivable:          
Ending balance - total   777,515   777,515 692,902
Ending balances: Loans          
Individually evaluated for impairment 20,201 19,847 20,201 19,847 21,325
Collectively evaluated for impairment 662,959 674,947 662,959 674,947 671,577
Loans acquired with deteriorated credit quality 207 207
Real estate mortgage residential (1-4 family) first mortgages [Member] | Non-covered [Member]          
Loans receivable:          
Ending balance - total 683,367 694,794 683,367 694,794 692,902
Total non-covered loans 683,367   683,367   692,902
Real estate mortgage home equity loans / lines of credit [Member]          
Beginning balance 2,267 3,983 2,893 4,753 4,753
Charge-offs (285) (522) (734) (597) (1,054)
Recoveries 64 37 119 58 121
Transfers from covered category 12   12    
Provisions 227 (115) (5) (831) (927)
Ending balance 2,285 3,383 2,285 3,383 2,893
Ending balances: Allowance for loan losses          
Individually evaluated for impairment 11 75 11 75 321
Collectively evaluated for impairment 2,274 3,308 2,274 3,308 2,572
Loans receivable:          
Ending balance - total   220,534   220,534 221,995
Ending balances: Loans          
Individually evaluated for impairment 383 527 383 527 758
Collectively evaluated for impairment 228,523 208,251 228,523 208,251 221,237
Loans acquired with deteriorated credit quality
Real estate mortgage home equity loans / lines of credit [Member] | Non-covered [Member]          
Loans receivable:          
Ending balance - total 228,906 208,778 228,906 208,778 221,995
Total non-covered loans 228,906   228,906   221,995
Real estate mortgage commercial and other [Member]          
Beginning balance 5,940 5,709 5,816 6,466 6,466
Charge-offs (396) (1,026) (562) (2,022) (2,804)
Recoveries 155 193 285 395 904
Transfers from covered category 126   126    
Provisions (254) 788 (94) 825 1,250
Ending balance 5,571 5,664 5,571 5,664 5,816
Ending balances: Allowance for loan losses          
Individually evaluated for impairment 478 560 478 560 336
Collectively evaluated for impairment 5,093 5,104 5,093 5,104 5,480
Loans receivable:          
Ending balance - total 1,000,578 904,496 1,000,578 904,496 957,587
Ending balances: Loans          
Individually evaluated for impairment 12,845 20,454 12,845 20,454 16,605
Collectively evaluated for impairment 986,926 869,090 986,926 869,090 928,637
Loans acquired with deteriorated credit quality 548 614 548 614 581
Real estate mortgage commercial and other [Member] | Non-covered [Member]          
Loans receivable:          
Ending balance - total 1,000,319 890,158 1,000,319 890,158 945,823
Total non-covered loans 1,000,319   1,000,319    
Installment loans to individuals [Member]          
Beginning balance 1,202 1,565 1,051 1,916 1,916
Charge-offs (238) (928) (518) (1,578) (2,411)
Recoveries 140 103 253 195 413
Transfers from covered category      
Provisions 376 376 694 583 1,133
Ending balance 1,480 1,116 1,480 1,116 1,051
Ending balances: Allowance for loan losses          
Individually evaluated for impairment 70 46 70 46 45
Collectively evaluated for impairment 1,410 1,070 1,410 1,070 1,006
Loans receivable:          
Ending balance - total   47,244   47,244 47,666
Ending balances: Loans          
Individually evaluated for impairment 72 79 72 79 76
Collectively evaluated for impairment 50,315 47,165 50,315 47,165 47,590
Loans acquired with deteriorated credit quality
Installment loans to individuals [Member] | Non-covered [Member]          
Loans receivable:          
Ending balance - total 50,387 47,244 50,387 47,244 47,666
Total non-covered loans 50,387   50,387   47,666
Unallocated [Member]          
Beginning balance 442 304 696 147 147
Charge-offs
Recoveries
Transfers from covered category      
Provisions 130 792 (124) 949 549
Ending balance 572 1,096 572 1,096 696
Ending balances: Allowance for loan losses          
Individually evaluated for impairment
Collectively evaluated for impairment 572 1,096 572 1,096 696
Loans receivable:          
Ending balance - total        
Ending balances: Loans          
Individually evaluated for impairment
Collectively evaluated for impairment
Loans acquired with deteriorated credit quality
Unallocated [Member] | Non-covered [Member]          
Loans receivable:          
Ending balance - total
Total non-covered loans      
XML 64 R53.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Schedule of Activity in Allowance for Loan Losses for Covered Loans) (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended 12 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2015
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Beginning balance       $ 33,770 $ 33,770      
Charge-offs       (5,403)        
Recoveries       787        
Provision (reversal) for loan losses $ (281) $ 841 $ (23) 677        
Ending balance   30,155   30,155        
Loans receivable:                
Ending balance - total 78,387 113,824 78,387 113,824 102,641      
Ending balances: Loans                
Allowance for loan losses   30,155   33,770 33,770     $ 30,155
Covered [Member]                
Beginning balance 1,399 2,226 1,799 2,281 2,281      
Charge-offs (4) (676) (245) (1,116) (1,316)      
Recoveries 756 545 1,959 1,198 3,622      
Transferred to non-covered (307) (307)        
Provision (reversal) for loan losses (770) (160) (2,132) (428) (2,788)      
Ending balance 1,074 1,935 1,074 1,935 1,799      
Ending balances: Allowance for loan losses                
Individually evaluated for impairment 443 455 443 455 554      
Collectively evaluated for impairment 631 1,434 631 1,434 1,175      
Loans receivable:                
Ending balance - total 78,387 113,824 78,387 113,824 102,641      
Ending balances: Loans                
Individually evaluated for impairment 5,500 6,763 5,500 6,763 7,055      
Collectively evaluated for impairment 72,881 105,290 72,881 105,290 94,197      
Allowance for loan losses 1,074 1,935 1,074 2,281 1,799 $ 1,074 $ 1,799 1,935
Covered [Member] | Receivables acquired with deteriorated credit quality [Member]                
Beginning balance     70          
Charge-offs            
Ending balance 46 46 70      
Ending balances: Loans                
Financing Receivable, Net           6 1,389 1,771
Allowance for loan losses $ 46 $ 46 $ 70 $ 70 $ 46
XML 65 R54.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Schedule of Impaired Loans) (Details) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2016
Dec. 31, 2015
Loans with no related allowance recorded:    
Impaired loans with no related allowance - Recorded Investment $ 25,350 $ 29,930
Imapired loans with no related allowance - Unpaid Principal Balance 32,183 39,484
Impaired loans with no related allowance - Average Recorded Investment 26,958 34,766
Loans with an allowance recorded:    
Impaired loans with allowance - Recorded Investment 19,885 23,749
Impaired loans with allowance - Unpaid Principal Balance 20,450 24,413
Impaired loans with related allowance - Related Allowance 2,451 3,311
Impaired loans with related allowance - Average Recorded Investment 22,110 23,723
Non-covered [Member]    
Loans with no related allowance recorded:    
Impaired loans with no related allowance - Recorded Investment 22,350 24,699
Imapired loans with no related allowance - Unpaid Principal Balance 28,822 30,955
Impaired loans with no related allowance - Average Recorded Investment 22,967 29,159
Loans with an allowance recorded:    
Impaired loans with allowance - Recorded Investment 17,379 20,536
Impaired loans with allowance - Unpaid Principal Balance 17,785 20,937
Impaired loans with related allowance - Related Allowance 2,008 2,687
Impaired loans with related allowance - Average Recorded Investment 19,360 19,981
Non-covered [Member] | Commercial, financial, and agricultural [Member]    
Loans with no related allowance recorded:    
Impaired loans with no related allowance - Recorded Investment 766 360
Imapired loans with no related allowance - Unpaid Principal Balance 845 422
Impaired loans with no related allowance - Average Recorded Investment 604 194
Loans with an allowance recorded:    
Impaired loans with allowance - Recorded Investment 93 632
Impaired loans with allowance - Unpaid Principal Balance 111 662
Impaired loans with related allowance - Related Allowance 14 304
Impaired loans with related allowance - Average Recorded Investment 286 607
Non-covered [Member] | Real estate - construction, land development & other land loans [Member]    
Loans with no related allowance recorded:    
Impaired loans with no related allowance - Recorded Investment 3,764 3,944
Imapired loans with no related allowance - Unpaid Principal Balance 7,420 7,421
Impaired loans with no related allowance - Average Recorded Investment 3,863 4,636
Loans with an allowance recorded:    
Impaired loans with allowance - Recorded Investment 850 954
Impaired loans with allowance - Unpaid Principal Balance 873 976
Impaired loans with related allowance - Related Allowance 172 241
Impaired loans with related allowance - Average Recorded Investment 886 1,585
Non-covered [Member] | Real estate - mortgage - residential (1-4 family) first mortgages [Member]    
Loans with no related allowance recorded:    
Impaired loans with no related allowance - Recorded Investment 9,137 8,713
Imapired loans with no related allowance - Unpaid Principal Balance 10,634 9,803
Impaired loans with no related allowance - Average Recorded Investment 8,690 7,309
Loans with an allowance recorded:    
Impaired loans with allowance - Recorded Investment 11,271 12,612
Impaired loans with allowance - Unpaid Principal Balance 11,447 12,768
Impaired loans with related allowance - Related Allowance 1,263 1,440
Impaired loans with related allowance - Average Recorded Investment 12,196 12,931
Non-covered [Member] | Real estate - mortgage - home equity loans / lines of credit [Member]    
Loans with no related allowance recorded:    
Impaired loans with no related allowance - Recorded Investment 145 114
Imapired loans with no related allowance - Unpaid Principal Balance 203 161
Impaired loans with no related allowance - Average Recorded Investment 139 425
Loans with an allowance recorded:    
Impaired loans with allowance - Recorded Investment 238 644
Impaired loans with allowance - Unpaid Principal Balance 238 645
Impaired loans with related allowance - Related Allowance 11 321
Impaired loans with related allowance - Average Recorded Investment 420 430
Non-covered [Member] | Real estate mortgage commercial and other [Member]    
Loans with no related allowance recorded:    
Impaired loans with no related allowance - Recorded Investment 8,536 11,565
Imapired loans with no related allowance - Unpaid Principal Balance 9,717 13,144
Impaired loans with no related allowance - Average Recorded Investment 9,669 16,590
Loans with an allowance recorded:    
Impaired loans with allowance - Recorded Investment 4,857 5,621
Impaired loans with allowance - Unpaid Principal Balance 5,036 5,806
Impaired loans with related allowance - Related Allowance 478 336
Impaired loans with related allowance - Average Recorded Investment 5,490 4,353
Non-covered [Member] | Installment loans to individuals [Member]    
Loans with no related allowance recorded:    
Impaired loans with no related allowance - Recorded Investment 2 3
Imapired loans with no related allowance - Unpaid Principal Balance 3 4
Impaired loans with no related allowance - Average Recorded Investment 2 5
Loans with an allowance recorded:    
Impaired loans with allowance - Recorded Investment 70 73
Impaired loans with allowance - Unpaid Principal Balance 80 80
Impaired loans with related allowance - Related Allowance 70 45
Impaired loans with related allowance - Average Recorded Investment 82 75
Covered [Member]    
Loans with no related allowance recorded:    
Impaired loans with no related allowance - Recorded Investment 3,000 5,231
Imapired loans with no related allowance - Unpaid Principal Balance 3,361 8,529
Impaired loans with no related allowance - Average Recorded Investment 3,991 5,607
Loans with an allowance recorded:    
Impaired loans with allowance - Recorded Investment 2,506 3,213
Impaired loans with allowance - Unpaid Principal Balance 2,665 3,476
Impaired loans with related allowance - Related Allowance 443 624
Impaired loans with related allowance - Average Recorded Investment $ 2,750 $ 3,742
XML 66 R55.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Schedule of Recorded Investment in Loans by Credit Quality Indicators) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Recorded investment in loans by credit quality indicators:      
Non-covered loans $ 2,518,673 $ 2,415,412  
Unamortized net deferred loan costs 1,074 873 $ 819
Covered loans 78,387 102,641 113,824
Total loans 2,598,134 2,518,926 2,412,779
Pass [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 2,362,190 2,222,500  
Covered loans 58,153 71,398  
Total loans 2,420,343 2,293,898  
Special Mention Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 61,125 90,999  
Covered loans 1,745 7,423  
Total loans 62,870 98,422  
Classified Accruing Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 61,577 61,919  
Covered loans 14,295 16,004  
Total loans 75,872 77,923  
Classified Nonaccrual Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 33,781 39,994  
Covered loans 4,194 7,816  
Total loans 37,975 47,810  
Non-covered [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 2,519,747 2,416,285  
Covered [Member]      
Recorded investment in loans by credit quality indicators:      
Covered loans 78,387 102,641 $ 113,824
Commercial, financial, and agricultural [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 244,862 201,798  
Commercial, financial, and agricultural [Member] | Pass [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 235,000 191,905  
Commercial, financial, and agricultural [Member] | Special Mention Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 2,855 3,453  
Commercial, financial, and agricultural [Member] | Classified Accruing Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 4,137 3,476  
Commercial, financial, and agricultural [Member] | Classified Nonaccrual Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 2,870 2,964  
Real estate construction, land development & other land loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 310,832 305,228  
Real estate construction, land development & other land loans [Member] | Pass [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 288,017 277,300  
Real estate construction, land development & other land loans [Member] | Special Mention Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 9,781 13,296  
Real estate construction, land development & other land loans [Member] | Classified Accruing Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 8,880 9,980  
Real estate construction, land development & other land loans [Member] | Classified Nonaccrual Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 4,154 4,652  
Real estate mortgage residential (1-4 family) first mortgages [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 683,367 692,902  
Covered loans 68,079 75,657  
Real estate mortgage residential (1-4 family) first mortgages [Member] | Pass [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 620,516 609,880  
Real estate mortgage residential (1-4 family) first mortgages [Member] | Special Mention Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 17,020 34,407  
Real estate mortgage residential (1-4 family) first mortgages [Member] | Classified Accruing Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 28,516 29,793  
Real estate mortgage residential (1-4 family) first mortgages [Member] | Classified Nonaccrual Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 17,315 18,822  
Real estate mortgage home equity loans / lines of credit [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 228,906 221,995  
Real estate mortgage home equity loans / lines of credit [Member] | Pass [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 220,230 207,335  
Real estate mortgage home equity loans / lines of credit [Member] | Special Mention Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 1,373 7,045  
Real estate mortgage home equity loans / lines of credit [Member] | Classified Accruing Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 4,897 4,473  
Real estate mortgage home equity loans / lines of credit [Member] | Classified Nonaccrual Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 2,406 3,142  
Real estate mortgage commercial and other [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 1,000,319 945,823  
Real estate mortgage commercial and other [Member] | Pass [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 948,844 889,871  
Real estate mortgage commercial and other [Member] | Special Mention Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 29,744 32,022  
Real estate mortgage commercial and other [Member] | Classified Accruing Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 14,910 13,733  
Real estate mortgage commercial and other [Member] | Classified Nonaccrual Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 6,821 10,197  
Installment loans to individual [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 50,387 47,666  
Covered loans    
Installment loans to individual [Member] | Pass [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 49,583 46,209  
Installment loans to individual [Member] | Special Mention Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 352 776  
Installment loans to individual [Member] | Classified Accruing Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans 237 464  
Installment loans to individual [Member] | Classified Nonaccrual Loans [Member]      
Recorded investment in loans by credit quality indicators:      
Non-covered loans $ 215 $ 217  
XML 67 R56.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Schedule of Information of Loans Modified in Troubled Debt Restructuring) (Details)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2016
USD ($)
Jun. 30, 2015
USD ($)
Jun. 30, 2016
USD ($)
Jun. 30, 2015
USD ($)
Information related to loans modified in a troubled debt restructuring:        
Number of contracts, TDRs 2 10
TDRs arising during period Pre-Modification $ 160 $ 768
TDRs arising during period Post-Modification $ 160 $ 768
Non-covered [Member]        
Information related to loans modified in a troubled debt restructuring:        
Number of contracts, TDRs 2 8
TDRs arising during period Pre-Modification $ 160 $ 629
TDRs arising during period Post-Modification $ 160 $ 629
Non-covered [Member] | Commercial, financial, and agricultural [Member]        
Information related to loans modified in a troubled debt restructuring:        
Number of contracts, TDRs Accruing 1 1
TDRs arising during period - Accruing Pre-Modification $ 8 $ 8
TDRs arising during period - Accruing Post-Modification $ 8 $ 8
Number of contracts, TDRs Nonaccrual
TDRs arising during period - Nonaccrual Pre-Modification
TDRs arising during period - Nonaccrual Post-Modification
Non-covered [Member] | Real estate - construction, land development & other land loans [Member]        
Information related to loans modified in a troubled debt restructuring:        
Number of contracts, TDRs Accruing
TDRs arising during period - Accruing Pre-Modification
TDRs arising during period - Accruing Post-Modification
Number of contracts, TDRs Nonaccrual 1
TDRs arising during period - Nonaccrual Pre-Modification $ 1
TDRs arising during period - Nonaccrual Post-Modification $ 1
Non-covered [Member] | Real estate - mortgage - residential (1-4 family) first mortgages [Member]        
Information related to loans modified in a troubled debt restructuring:        
Number of contracts, TDRs Accruing 1 2
TDRs arising during period - Accruing Pre-Modification $ 152 $ 265
TDRs arising during period - Accruing Post-Modification $ 152 $ 265
Number of contracts, TDRs Nonaccrual 3
TDRs arising during period - Nonaccrual Pre-Modification $ 304
TDRs arising during period - Nonaccrual Post-Modification $ 304
Non-covered [Member] | Real estate - mortgage - home equity loans / lines of credit [Member]        
Information related to loans modified in a troubled debt restructuring:        
Number of contracts, TDRs Accruing
TDRs arising during period - Accruing Pre-Modification
TDRs arising during period - Accruing Post-Modification
Number of contracts, TDRs Nonaccrual
TDRs arising during period - Nonaccrual Pre-Modification
TDRs arising during period - Nonaccrual Post-Modification
Non-covered [Member] | Real estate mortgage commercial and other [Member]        
Information related to loans modified in a troubled debt restructuring:        
Number of contracts, TDRs Accruing 1
TDRs arising during period - Accruing Pre-Modification $ 51
TDRs arising during period - Accruing Post-Modification $ 51
Number of contracts, TDRs Nonaccrual
TDRs arising during period - Nonaccrual Pre-Modification
TDRs arising during period - Nonaccrual Post-Modification
Non-covered [Member] | Installment loans to individuals [Member]        
Information related to loans modified in a troubled debt restructuring:        
Number of contracts, TDRs Accruing
TDRs arising during period - Accruing Pre-Modification
TDRs arising during period - Accruing Post-Modification
Number of contracts, TDRs Nonaccrual
TDRs arising during period - Nonaccrual Pre-Modification
TDRs arising during period - Nonaccrual Post-Modification
Covered [Member]        
Information related to loans modified in a troubled debt restructuring:        
Number of contracts, TDRs Accruing 2
TDRs arising during period - Accruing Pre-Modification $ 139
TDRs arising during period - Accruing Post-Modification $ 139
Number of contracts, TDRs Nonaccrual
TDRs arising during period - Nonaccrual Pre-Modification
TDRs arising during period - Nonaccrual Post-Modification
XML 68 R57.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Asset Quality Information (Schedule of Accruing Restructured Loans Defaulted in Period) (Details)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2016
USD ($)
Jun. 30, 2015
USD ($)
Jun. 30, 2016
USD ($)
Jun. 30, 2015
USD ($)
Accruing restructured loans that defaulted in the period:        
Number of Contracts - Subsequent Default 1 2 2
Subsequently defaulted - Recorded Investment $ 7 $ 65 $ 41
Non-covered [Member]        
Accruing restructured loans that defaulted in the period:        
Number of Contracts - Subsequent Default 1 1 2
Subsequently defaulted - Recorded Investment $ 7 $ 21 $ 41
Non-covered [Member] | Commercial, financial, and agricultural [Member]        
Accruing restructured loans that defaulted in the period:        
Number of Contracts - Subsequent Default 1 1
Subsequently defaulted - Recorded Investment $ 7 $ 7
Non-covered [Member] | Real estate - mortgage - residential (1-4 family) first mortgages [Member]        
Accruing restructured loans that defaulted in the period:        
Number of Contracts - Subsequent Default     1
Subsequently defaulted - Recorded Investment       $ 34
Non-covered [Member] | Real estate mortgage commercial and other [Member]        
Accruing restructured loans that defaulted in the period:        
Number of Contracts - Subsequent Default     1
Subsequently defaulted - Recorded Investment     $ 21
Covered [Member]        
Accruing restructured loans that defaulted in the period:        
Number of Contracts - Subsequent Default 1
Subsequently defaulted - Recorded Investment $ 44
XML 69 R58.htm IDEA: XBRL DOCUMENT v3.5.0.2
Deferred Loan Costs (Details) - USD ($)
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Deferred Loan Costs [Abstract]      
Net deferred loan costs $ 1,074,000 $ 873,000 $ 819,000
XML 70 R59.htm IDEA: XBRL DOCUMENT v3.5.0.2
FDIC Indemnification Asset (Schedule of FDIC Indemnification Asset Components) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
FDIC indemnification asset components      
Receivable (payable) related to loss claims incurred, (recoveries), not yet received (paid), net $ (1,542) $ (633) $ 265
Receivable related to estimated future claims on loans 6,383 8,675 11,003
Receivable related to estimated future claims on foreclosed real estate 316 397 714
FDIC indemnification asset $ 5,157 $ 8,439 $ 11,982
XML 71 R60.htm IDEA: XBRL DOCUMENT v3.5.0.2
FDIC Indemnification Asset (Rollforward of the FDIC Indemnification Asset) (Details)
$ in Thousands
6 Months Ended
Jun. 30, 2016
USD ($)
Rollforward of the FDIC indemnification asset  
FDIC indemnification asset, beginning $ 8,439
Decrease related to favorable changes in loss estimates (2,246)
Increase related to reimbursable expenses 205
Cash paid (received) 738
Amortization associated with accretion of loan discount (2,005)
Other 26
FDIC indemnification asset, ending $ 5,157
XML 72 R61.htm IDEA: XBRL DOCUMENT v3.5.0.2
Goodwill and Other Intangible Assets (Narrative) (Details) - USD ($)
3 Months Ended 6 Months Ended
May 04, 2016
Jan. 02, 2016
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Amortization expense of intangible assets     $ 261,000 $ 180,000 $ 447,000 $ 360,000
Goodwill acquired $ 6,013,000 $ 1,693,000        
Other amortizable intangible assets 940,000 92,000        
Customer Lists [Member]            
Intangible assets acquired $ 1,100,000 $ 591,000        
XML 73 R62.htm IDEA: XBRL DOCUMENT v3.5.0.2
Goodwill and Other Intangible Assets (Summary of the Gross Carrying Amount and Accumulated Amortization of Intangible Assets) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Amortizable intangible assets:      
Customer lists $ 2,369 $ 678 $ 678
Customer Lists Accumulated Amortization 624 550 528
Core deposit premiums 8,560 8,560 8,560
Core Deposit premiums accumulated amortization 7,660 7,352 7,013
Other 1,032
Other Accumulated Amortization 65
Gross Carrying Amount 11,961 9,238 9,238
Accumulated Amortization 8,349 7,902 7,541
Unamortizable intangible assets:      
Goodwill $ 73,541 $ 65,835 $ 65,835
XML 74 R63.htm IDEA: XBRL DOCUMENT v3.5.0.2
Goodwill and Other Intangible Assets (Schedule of the Estimated Amortization Expense) (Details)
$ in Thousands
Jun. 30, 2016
USD ($)
The estimated amortization expense for five succeeding years:  
July 1 to December 31, 2016 $ 587
2017 934
2018 624
2019 471
2020 301
Thereafter 695
Total $ 3,612
XML 75 R64.htm IDEA: XBRL DOCUMENT v3.5.0.2
Pension Plans (Narrative) (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Compensation and Retirement Disclosure [Abstract]        
Net periodic pension cost (income) $ (162) $ (288) $ (325) $ (555)
XML 76 R65.htm IDEA: XBRL DOCUMENT v3.5.0.2
Pension Plans (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Service cost $ 27 $ 46 $ 53 $ 125
Interest cost 435 392 870 785
Expected return on plan assets (675) (710) (1,350) (1,418)
Amortization of transition obligation
Amortization of net (gain)/loss 51 (16) 102 (47)
Amortization of prior service cost
Net periodic pension (income)/cost (162) (288) (325) (555)
Pension Plan [Member]        
Service cost
Interest cost 376 341 752 682
Expected return on plan assets (675) (710) (1,350) (1,418)
Amortization of transition obligation
Amortization of net (gain)/loss 60 120
Amortization of prior service cost
Net periodic pension (income)/cost (239) (369) (478) (736)
SERP [Member]        
Service cost 27 46 53 125
Interest cost 59 51 118 103
Expected return on plan assets
Amortization of transition obligation
Amortization of net (gain)/loss (9) (16) (18) (47)
Amortization of prior service cost
Net periodic pension (income)/cost $ 77 $ 81 $ 153 $ 181
XML 77 R66.htm IDEA: XBRL DOCUMENT v3.5.0.2
Comprehensive Income (Schedule of Components of Accumulated Other Comprehensive Income) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Dec. 31, 2014
The components of accumulated other comprehensive income (loss):        
Total accumulated other comprehensive income (loss) $ (1,728) $ (3,550) $ (1,059) $ (578)
Unrealized gain (loss) on securities available for sale [Member]        
The components of accumulated other comprehensive income (loss):        
Total accumulated other comprehensive income (loss) 1,722 (1,163) (1,433)  
Deferred tax asset (liability) (671) 454 560  
Total accumulated other comprehensive income (loss) 1,051 (709) (873) (421)
Additional pension asset (liability) [Member]        
The components of accumulated other comprehensive income (loss):        
Total accumulated other comprehensive income (loss) (4,555) (4,657) (304)  
Deferred tax asset (liability) 1,776 1,816 118  
Total accumulated other comprehensive income (loss) $ (2,779) $ (2,841) $ (186) $ (157)
XML 78 R67.htm IDEA: XBRL DOCUMENT v3.5.0.2
Comprehensive Income (Schedule of Changes in Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($)
$ in Thousands
6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Accumulated other comprehensive income (loss), beginning balance $ (3,550) $ (578)
Other comprehensive income (loss) before reclassifications 1,762 (452)
Amounts reclassified from accumulated other comprehensive income 60 (29)
Net current-period other comprehensive income (loss) 1,822 (481)
Accumulated other comprehensive income (loss), ending balance (1,728) (1,059)
Unrealized gain (loss) on securities available for sale [Member]    
Accumulated other comprehensive income (loss), beginning balance (709) (421)
Other comprehensive income (loss) before reclassifications 1,762 (452)
Amounts reclassified from accumulated other comprehensive income (2)
Net current-period other comprehensive income (loss) 1,760 (452)
Accumulated other comprehensive income (loss), ending balance 1,051 (873)
Additional pension asset (liability) [Member]    
Accumulated other comprehensive income (loss), beginning balance (2,841) (157)
Other comprehensive income (loss) before reclassifications
Amounts reclassified from accumulated other comprehensive income 62 (29)
Net current-period other comprehensive income (loss) 62 (29)
Accumulated other comprehensive income (loss), ending balance $ (2,779) $ (186)
XML 79 R68.htm IDEA: XBRL DOCUMENT v3.5.0.2
Fair Value (Narrative) (Details) - USD ($)
$ in Thousands
3 Months Ended 6 Months Ended
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Fair Value [Abstract]        
Increase in fair value of securities available for sale $ 2,071 $ (990) $ 2,888 $ (743)
Tax expense of increase in fair value of securities available for sale $ 807 $ (386) $ 1,126 $ (291)
XML 80 R69.htm IDEA: XBRL DOCUMENT v3.5.0.2
Fair Value (Financial instruments Measured at Fair Value) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Securities available for sale:      
Total available for sale securities $ 219,762 $ 165,614 $ 214,450
Fair Value [Member] | Fair Value, Inputs, Level 2 [Member]      
Securities available for sale:      
Total available for sale securities 219,762 165,614  
Recurring [Member] | Quoted Prices in Market for Identical Assets (Level 1) [Member]      
Securities available for sale:      
Government-sponsored enterprise securities  
Mortgage-backed securities  
Corporate bonds  
Equity securities  
Total available for sale securities  
Recurring [Member] | Fair Value, Inputs, Level 2 [Member]      
Securities available for sale:      
Government-sponsored enterprise securities 15,992 18,972  
Mortgage-backed securities 169,256 121,553  
Corporate bonds 34,381 24,946  
Equity securities 133 143  
Total available for sale securities 219,762 165,614  
Recurring [Member] | Significant Unobservable Inputs (Level 3) [Member]      
Securities available for sale:      
Government-sponsored enterprise securities  
Mortgage-backed securities  
Corporate bonds  
Equity securities  
Total available for sale securities  
Recurring [Member] | Fair Value [Member]      
Securities available for sale:      
Government-sponsored enterprise securities 15,992 18,972  
Mortgage-backed securities 169,256 121,553  
Corporate bonds 34,381 24,946  
Equity securities 133 143  
Total available for sale securities 219,762 165,614  
Nonrecurring [Member] | Quoted Prices in Market for Identical Assets (Level 1) [Member]      
Impaired loans and foreclosed real estate:      
Impaired loans - covered  
Impaired loans - non-covered  
Other real estate - covered  
Other real estate - non-covered  
Nonrecurring [Member] | Fair Value, Inputs, Level 2 [Member]      
Impaired loans and foreclosed real estate:      
Impaired loans - covered  
Impaired loans - non-covered  
Other real estate - covered  
Other real estate - non-covered  
Nonrecurring [Member] | Significant Unobservable Inputs (Level 3) [Member]      
Impaired loans and foreclosed real estate:      
Impaired loans - covered 2,063 2,588  
Impaired loans - non-covered 15,920 18,057  
Other real estate - covered 385 806  
Other real estate - non-covered 10,221 9,188  
Nonrecurring [Member] | Fair Value [Member]      
Impaired loans and foreclosed real estate:      
Impaired loans - covered 2,063 2,588  
Impaired loans - non-covered 15,920 18,057  
Other real estate - covered 385 806  
Other real estate - non-covered $ 10,221 $ 9,188  
XML 81 R70.htm IDEA: XBRL DOCUMENT v3.5.0.2
Fair Value (Level 3 assets and liabilities measured at fair value) (Details) - USD ($)
$ in Thousands
6 Months Ended 12 Months Ended
Jun. 30, 2016
Dec. 31, 2015
Impaired Loans Covered [Member]    
Impaired loans - covered $ 2,063 $ 2,588
Valuation technique
Appraised value; PV of expected cash flows
Appraised value; PV of expected cash flows
Significant unobservable inputs
Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell
Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell
General range of significant input values, minimum 0.00% 0.00%
General range of significant input values, maximum 10.00% 10.00%
Impaired Loans - Non - Covered [Member]    
Impaired loans - non-covered $ 15,920 $ 18,057
Valuation technique
Appraised value; PV of expected cash flows
Appraised value; PV of expected cash flows
Significant unobservable inputs
Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell
Discounts to reflect current market conditions, ultimate collectability, and estimated costs to sell
General range of significant input values, minimum 0.00% 0.00%
General range of significant input values, maximum 10.00% 10.00%
Foreclosed Real Estate Covered [Member]    
Other real estate - covered $ 385 $ 806
Valuation technique
Appraised value; List or contract price
Appraised value; List or contract price
Significant unobservable inputs
Discounts to reflect current market conditions and estimated costs to sell
Discounts to reflect current market conditions and estimated costs to sell
General range of significant input values, minimum 0.00% 0.00%
General range of significant input values, maximum 10.00% 10.00%
Foreclosed Real Estate - Non-Covered [Member]    
Other real estate - non-covered $ 10,221 $ 9,188
Valuation technique
Appraised value; List or contract price
Appraised value; List or contract price
Significant unobservable inputs
Discounts to reflect current market conditions, abbreviated holding period and estimated costs to sell
Discounts to reflect current market conditions, abbreviated holding period and estimated costs to sell
General range of significant input values, minimum 0.00% 0.00%
General range of significant input values, maximum 10.00% 10.00%
XML 82 R71.htm IDEA: XBRL DOCUMENT v3.5.0.2
Fair Value (Schedule of Carrying Amounts and Estimated Fair Values of Financial Instruments) (Details) - USD ($)
$ in Thousands
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Carrying amounts and estimated fair values of financial instruments:      
Cash and due from banks, noninterest-bearing $ 58,956 $ 53,285 $ 75,151
Due from banks, interest-bearing 189,404 213,426 102,567
Federal funds sold 143 557 674
Securities available for sale 219,762 165,614 214,450
Securities held-to-maturity 142,073 154,610 165,245
Total loans, net of allowance 2,572,111 2,490,343 2,380,689
Accrued interest receivable 9,152 9,166 9,134
FDIC Indemnification Asset 5,157 8,439 11,982
Bank-owned life insurance 73,098 72,086 56,175
Accrued interest payable 586 585 $ 625
Carrying Amount [Member] | Quoted Prices in Market for Identical Assets (Level 1) [Member]      
Carrying amounts and estimated fair values of financial instruments:      
Cash and due from banks, noninterest-bearing 58,956 53,285  
Due from banks, interest-bearing 189,404 213,426  
Federal funds sold 143 557  
Presold mortgages in process of settlement 4,104 4,323  
Accrued interest receivable 9,152 9,166  
Bank-owned life insurance 73,098 72,086  
Carrying Amount [Member] | Fair Value, Inputs, Level 2 [Member]      
Carrying amounts and estimated fair values of financial instruments:      
Securities available for sale 219,762 165,614  
Securities held-to-maturity 142,073 154,610  
Deposits 2,872,020 2,811,285  
Borrowings 206,394 186,394  
Accrued interest payable 586 585  
Carrying Amount [Member] | Significant Unobservable Inputs (Level 3) [Member]      
Carrying amounts and estimated fair values of financial instruments:      
Total loans, net of allowance 2,572,111 2,490,343  
FDIC Indemnification Asset 5,157 8,439  
Fair Value [Member] | Quoted Prices in Market for Identical Assets (Level 1) [Member]      
Carrying amounts and estimated fair values of financial instruments:      
Cash and due from banks, noninterest-bearing 58,956 53,285  
Due from banks, interest-bearing 189,404 213,426  
Federal funds sold 143 557  
Presold mortgages in process of settlement 4,104 4,323  
Accrued interest receivable 9,152 9,166  
Bank-owned life insurance 73,098 72,086  
Fair Value [Member] | Fair Value, Inputs, Level 2 [Member]      
Carrying amounts and estimated fair values of financial instruments:      
Securities available for sale 219,762 165,614  
Securities held-to-maturity 146,099 157,146  
Deposits 2,871,399 2,809,828  
Borrowings 198,531 178,468  
Accrued interest payable 586 585  
Fair Value [Member] | Significant Unobservable Inputs (Level 3) [Member]      
Carrying amounts and estimated fair values of financial instruments:      
Total loans, net of allowance 2,548,380 2,484,059  
FDIC Indemnification Asset $ 5,109 $ 8,256  
XML 83 R72.htm IDEA: XBRL DOCUMENT v3.5.0.2
Shareholders' Equity Transactions (Narrative) (Details) - USD ($)
3 Months Ended 6 Months Ended 12 Months Ended
Oct. 16, 2015
Jun. 25, 2015
Dec. 21, 2012
Jun. 30, 2016
Jun. 30, 2015
Jun. 30, 2016
Jun. 30, 2015
Dec. 31, 2011
Preferred stock redeemed             $ 32,000,000  
Preferred stock dividends       $ 59,000 $ 212,000 $ 117,000 429,000  
Common Stock [Member]                
Preferred stock redeemed              
Stock issued, shares     2,656,294          
Series C Preferred Stock [Member]                
Stock issued, shares     728,706          
Stock sold price per share     $ 10.00          
Preferred stock dividends       $ 58,000 58,000 $ 117,000 117,000  
Series C Preferred Stock [Member] | Common Stock [Member]                
Net proceeds from the sale of preferred and common stock     $ 33,800,000          
Small Business Lending Fund [Member]                
Preferred stock redeemed               $ 63,500,000
Stock issued               $ 63,500,000
Stock issued, shares               63,500
Liquidation value of shares               $ 1,000
Threshold for qualified community banks               $ 10,000,000,000
Small Business Lending Fund [Member] | Series B Preferred Stock [Member]                
Preferred stock redeemed $ 31,500,000 $ 32,000,000            
Preferred stock redeemed, shares 31,500 32,000            
Liquidation value of shares $ 1,000 $ 1,000            
Preferred stock dividends         $ 153,000   $ 312,000  
XML 84 R73.htm IDEA: XBRL DOCUMENT v3.5.0.2
Acquisitions (Details) - USD ($)
6 Months Ended
May 05, 2016
Jan. 02, 2016
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Business Acquisition [Line Items]          
Shares issued pursuant to acquisition     $ 5,509,000    
Goodwill     $ 73,541,000 $ 65,835,000 $ 65,835,000
Banking port [Member]          
Business Acquisition [Line Items]          
Total purchase price   $ 2,200,000      
Payments for acquisition   $ 700,000      
Shares issued pursuant to acquisition, shares   79,012      
Shares issued pursuant to acquisition   $ 1,500,000      
Payment for purchase of office space   1,100,000      
Goodwill   1,700,000      
Other amortizable intangible assets   $ 700,000      
SBA Complete, Inc. [Member]          
Business Acquisition [Line Items]          
Total purchase price $ 8,900,000        
Payments for acquisition $ 1,500,000        
Shares issued pursuant to acquisition, shares 199,829        
Shares issued pursuant to acquisition $ 4,000,000        
Goodwill 6,000,000        
Other amortizable intangible assets 2,000,000        
Earn-out liability $ 3,400,000        
Earn-out liability payment period 3 years        
XML 85 R74.htm IDEA: XBRL DOCUMENT v3.5.0.2
Pending Acquisition (Details)
$ / shares in Units, $ in Thousands
Jun. 21, 2016
USD ($)
$ / shares
Jun. 30, 2016
USD ($)
Dec. 31, 2015
USD ($)
Jun. 30, 2015
USD ($)
Subsequent Event [Line Items]        
Total assets   $ 3,466,546 $ 3,362,065 $ 3,211,519
Total deposits   2,872,020 2,811,285 2,653,127
Total loans   2,598,134 $ 2,518,926 $ 2,412,779
Carolina Bank Holdings, Inc. [Member]        
Subsequent Event [Line Items]        
Total purchase price $ 97,300      
Payments for acquisition per share | $ / shares $ 20      
Merger share conversion ratio 1.002      
Contribution of cash in total consideration 25.00%      
Contribution of stock in total consideration 75.00%      
Total assets   706,000    
Total deposits   599,000    
Total loans   $ 534,000    
XML 86 R75.htm IDEA: XBRL DOCUMENT v3.5.0.2
Subsequent Events (Details) - USD ($)
$ in Thousands
Jul. 15, 2016
Jun. 30, 2016
Dec. 31, 2015
Jun. 30, 2015
Subsequent Event [Line Items]        
Deposits   $ 2,872,020 $ 2,811,285 $ 2,653,127
Total loans   $ 2,598,134 $ 2,518,926 $ 2,412,779
Subsequent Event [Member]        
Subsequent Event [Line Items]        
Deposits $ 111,000      
Total loans 154,000      
Subsequent Event [Member] | First Community Bank [Member]        
Subsequent Event [Line Items]        
Deposits 134,000      
Total loans $ 152,000      
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