Loans (Tables)

12 Months Ended

Dec. 31, 2012

Receivables [Abstract]

Schedule of Loans by Class

The following table presents loans by class as of the dates indicated:

December 31,	2012		2011
Real estate loans:
Commercial	$	1,497,272	$	1,553,155
Construction:
Land acquisition & development	220,196		278,613
Residential	49,274		61,106
Commercial	65,059		61,054
Total construction loans	334,529		400,773
Residential	708,339		571,943
Agricultural	177,244		175,302
Total real estate loans	2,717,384		2,701,173
Consumer:
Indirect consumer	438,245		407,651
Other consumer	137,743		147,487
Credit card	60,806		60,933
Total consumer loans	636,794		616,071
Commercial	688,753		693,261
Agricultural	113,627		119,710
Other, including overdrafts	912		2,813
Loans held for investment	4,157,470		4,133,028
Mortgage loans held for sale	66,442		53,521
Total loans	$	4,223,912	$	4,186,549

Schedule of Recorded Investment in Past Due Loans by Class

The following tables present the contractual aging of the Company’s recorded investment in past due loans by class as of the period indicated:

							Total Loans
	30 - 59		60 - 89		> 90		30 or More
	Days		Days		Days		Days		Current		Non-accrual		Total
As of December 31, 2012	Past Due		Past Due		Past Due		Past Due		Loans		Loans		Loans
Real estate
Commercial	$	5,449	$	3,163	$	2	$	8,614	$	1,438,142	$	50,516	$	1,497,272
Construction:
Land acquisition & development	3,371		2,121		318		5,810		195,077		19,309		220,196
Residential	283		—		—		283		46,816		2,175		49,274
Commercial	—		—		—		—		56,933		8,126		65,059
Total construction loans	3,654		2,121		318		6,093		298,826		29,610		334,529
Residential	3,896		969		1,085		5,950		691,963		10,426		708,339
Agricultural	1,187		—		218		1,405		171,009		4,830		177,244
Total real estate loans	14,186		6,253		1,623		22,062		2,599,940		95,382		2,717,384
Consumer:
Indirect consumer	3,218		512		32		3,762		434,200		283		438,245
Other consumer	1,044		104		31		1,179		135,574		990		137,743
Credit card	409		278		392		1,079		59,704		23		60,806
Total consumer loans	4,671		894		455		6,020		629,478		1,296		636,794
Commercial	5,463		1,064		216		6,743		671,414		10,596		688,753
Agricultural	1,710		361		—		2,071		111,031		525		113,627
Other, including overdrafts	—		—		—		—		912		—		912
Loans held for investment	26,030		8,572		2,294		36,896		4,012,775		107,799		4,157,470
Mortgage loans originated for sale	—		—		—		—		66,442		—		66,442
Total loans	$	26,030	$	8,572	$	2,294	$	36,896	$	4,079,217	$	107,799	$	4,223,912

							Total Loans
	30 - 59		60 - 89		> 90		30 or More
	Days		Days		Days		Days		Current		Non-accrual		Total
As of December 31, 2011	Past Due		Past Due		Past Due		Past Due		Loans		Loans		Loans
Real estate
Commercial	$	22,124	$	7,871	$	630	$	30,625	$	1,455,139	$	67,391	$	1,553,155
Construction:
Land acquisition & development	5,251		2,448		867		8,566		208,134		61,913		278,613
Residential	415		—		—		415		56,219		4,472		61,106
Commercial	1,698		—		—		1,698		34,820		24,536		61,054
Total construction loans	7,364		2,448		867		10,679		299,173		90,921		400,773
Residential	4,669		973		1,798		7,440		546,278		18,225		571,943
Agricultural	4,103		1,831		—		5,934		166,119		3,249		175,302
Total real estate loans	38,260		13,123		3,295		54,678		2,466,709		179,786		2,701,173
Consumer:
Indirect consumer	3,078		370		45		3,493		403,695		463		407,651
Other consumer	1,479		436		60		1,975		144,625		887		147,487
Credit card	604		375		585		1,564		59,343		26		60,933
Total consumer loans	5,161		1,181		690		7,032		607,663		1,376		616,071
Commercial	13,721		3,464		405		17,590		657,609		18,062		693,261
Agricultural	476		215		110		801		118,150		759		119,710
Other, including overdrafts	—		2		—		2		2,811		—		2,813
Loans held for investment	57,618		17,985		4,500		80,103		3,852,942		199,983		4,133,028
Mortgage loans originated for sale	—		—		—		—		53,521		—		53,521
Total loans	$	57,618	$	17,985	$	4,500	$	80,103	$	3,906,463	$	199,983	$	4,186,549

Schedule of Recorded Investment in Impaired Loans

The following tables present information on the Company’s recorded investment in impaired loans as of dates indicated:

	December 31, 2012
	Unpaid Total Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance
Real estate:
Commercial	$	84,300	$	39,049	$	34,774	$	73,823	$	4,112
Construction:
Land acquisition & development	28,558		15,891		7,173		23,064		1,457
Residential	3,018		1,976		710		2,686		251
Commercial	10,447		7,785		340		8,125		69
Total construction loans	42,023		25,652		8,223		33,875		1,777
Residential	13,271		6,152		4,495		10,647		1,677
Agricultural	5,559		1,834		3,227		5,061		784
Total real estate loans	145,153		72,687		50,719		123,406		8,350
Commercial	12,770		9,036		3,206		12,242		1,919
Agricultural	589		509		28		537		28
Total	$	158,512	$	82,232	$	53,953	$	136,185	$	10,297

	December 31, 2011
	Unpaid Total Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance
Real estate:
Commercial	$	97,745	$	62,769	$	23,218	$	85,987	$	6,741
Construction:
Land acquisition & development	73,258		22,300		39,131		61,431		12,084
Residential	13,721		10,427		2,044		12,471		312
Commercial	26,647		3,510		21,026		24,536		5,042
Total construction loans	113,626		36,237		62,201		98,438		17,438
Residential	18,305		2,678		15,626		18,304		3,844
Agricultural	8,018		7,470		—		7,470		—
Total real estate loans	237,694		109,154		101,045		210,199		28,023
Commercial	26,348		7,354		12,284		19,638		4,664
Agricultural	759		496		263		759		151
Total	$	264,801	$	117,004	$	113,592	$	230,596	$	32,838

	December 31, 2010
	Unpaid Total Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance
Real estate:
Commercial	$	79,193	$	31,925	$	41,703	$	73,628	$	10,315
Construction:
Land acquisition & development	48,371		24,120		20,440		44,560		8,064
Residential	18,632		2,993		13,721		16,714		3,431
Commercial	17,458		2,976		13,578		16,554		3,877
Total construction loans	84,461		30,089		47,739		77,828		15,372
Residential	8,951		1,741		7,110		8,851		1,266
Agricultural	3,045		1,065		1,432		2,497		128
Total real estate loans	175,650		64,820		97,984		162,804		27,081
Commercial	36,251		11,354		24,168		35,522		14,892
Agricultural	976		498		478		976		253
Total	$	212,877	$	76,672	$	122,630	$	199,302	$	42,226

Schedule of Average Recorded Investment In and Income Recognized on Impaired Loans

The following tables present the average recorded investment in and income recognized on impaired loans for the periods indicated:

	Year Ended December 31,
	2012				2011				2010
	Average Recorded Investment		Income Recognized		Average Recorded Investment		Income Recognized		Average Recorded Investment
Real estate:
Commercial	$	78,670	$	1,339	$	85,702	$	633	$	49,713
Construction:
Land acquisition & development	44,457		110		57,675		96		34,871
Residential	8,431		4		19,769		384		15,097
Commercial	16,401		—		20,676		—		21,086
Total construction loans	69,289		114		98,120		480		71,054
Residential	13,703		26		15,768		258		10,889
Agricultural	6,936		41		6,188		167		1,737
Total real estate loans	168,598		1,520		205,778		1,538		133,393
Commercial	15,741		84		31,490		121		22,017
Agricultural	942		27		907		—		974
Total	$	185,281	$	1,631	$	238,175	$	1,659	$	156,384

Schedule of Loans Renegotiated in Troubled Debt Restructurings

The following table presents information on the Company's troubled debt restructurings that occurred during the periods indicated:

	Number of Notes	Type of Concession								Principal Balance at Restructure Date
Year Ended December 31, 2012		Interest only period		Extension of terms or maturity		Interest rate adjustment		Other
Real estate:
Commercial	16	$	—	$	959	$	4,504	$	8,611	$	14,074
Construction:
Commercial	1	—		—		—		3,155		3,155
Land acquisition & development	5	—		1,000		1,757		623		3,380
Residential	2	—		280		233		—		513
Total construction loans	8	—		1,280		1,990		3,778		7,048
Residential	2	568		25		—		—		593
Agriculture	1	—		154		—		—		154
Total real estate loans	27	568		2,418		6,494		12,389		21,869
Consumer:
Other consumer	1	—		69		—		—		69
Total consumer loans	1	—		69		—		—		69
Commercial	10	387		217		—		218		822
Agriculture	—			—				—		—
Total	38	$	955	$	2,704	$	6,494	$	12,607	$	22,760

	Number of Notes	Type of Concession								Principal Balance at Restructure Date
Year ended December 31, 2011		Interest only period		Extension of terms or maturity		Interest rate adjustment		Other
Real estate:
Commercial	60	$	23,982	$	4,444	$	3,131	$	7,364	$	38,921
Construction:
Land acquisition & development	9	995		4,124		680		408		6,207
Residential	5	7,749		878		234		—		8,861
Total construction loans	14	8,744		5,002		914		408		15,068
Residential	6	9,771		364		223		590		10,948
Agriculture	7	3,594		517		189		240		4,540
Total real estate loans	87	46,091		10,327		4,457		8,602		69,477
Consumer:
Indirect	2	—		—		—		29		29
Other consumer	3	17		11		—		50		78
Total consumer loans	5	17		11		—		79		107
Commercial	40	11,727		428		662		2,555		15,372
Agriculture	5	—		24		—		163		187
Total	137	$	57,835	$	10,790	$	5,119	$	11,399	$	85,143

Troubled Debt Restructurings Within Previous 12 Months

The following table presents information on the Company's troubled debt restructurings within the previous 12 months for which there was a payment default during the period.

	2012			2011
As of December 31,	Number of Notes	Balance		Number of Notes	Balance
Real estate:
Commercial	—	$	—	9	$	2,747
Construction:
Land acquisition & development	1	468		1	1,135
Residential	—	—		1	170
Total construction loans	1	468		2	1,305
Residential	2	635		—	—
Agriculture	—	—		1	33
Total real estate loans	3	1,103		12	4,085
Commercial	—	—		6	213
Agricultural	—	—		2	24
Total	3	$	1,103	20	$	4,322

Schedule of Recorded Investment in Criticized Loans by Class and Credit Quality Indicator

The following tables present the Company’s recorded investment in criticized loans by class and credit quality indicator based on the most recent analysis performed as of the dates indicated:

	Other Assets Especially Mentioned		Substandard		Doubtful		Total Criticized Loans
As of December 31, 2012
Real estate:
Commercial	$	101,936	$	135,282	$	15,173	$	252,391
Construction:
Land acquisition & development	28,137		25,884		4,739		58,760
Residential	2,531		2,427		1,143		6,101
Commercial	3,000		795		7,383		11,178
Total construction loans	33,668		29,106		13,265		76,039
Residential	9,542		11,680		4,511		25,733
Agricultural	18,490		6,737		3,228		28,455
Total real estate loans	163,636		182,805		36,177		382,618
Consumer:
Indirect consumer	793		1,764		114		2,671
Other consumer	684		1,395		628		2,707
Credit card	—		415		2,085		2,500
Total consumer loans	1,477		3,574		2,827		7,878
Commercial	42,223		27,184		3,428		72,835
Agricultural	2,596		1,625		28		4,249
Total	$	209,932	$	215,188	$	42,460	$	467,580

	Other Assets Especially Mentioned		Substandard		Doubtful		Total Criticized Loans
As of December 31, 2011
Real estate:
Commercial	$	129,046	$	153,320	$	25,087	$	307,453
Construction:
Land acquisition & development	37,294		31,873		38,761		107,928
Residential	9,448		5,528		2,044		17,020
Commercial	—		2,620		21,916		24,536
Total construction loans	46,742		40,021		62,721		149,484
Residential	8,149		15,706		15,140		38,995
Agricultural	16,037		18,498		395		34,930
Total real estate loans	199,974		227,545		103,343		530,862
Consumer:
Indirect consumer	1,141		1,729		247		3,117
Other consumer	745		1,361		674		2,780
Credit card	—		486		2,789		3,275
Total consumer loans	1,886		3,576		3,710		9,172
Commercial	34,698		33,478		12,849		81,025
Agricultural	4,345		5,195		263		9,803
Total	$	240,903	$	269,794	$	120,165	$	630,862