Loans (Tables)

9 Months Ended

Sep. 30, 2013

Receivables [Abstract]

Schedule of Loans by Class

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

	September 30, 2013		December 31, 2012
Real estate loans:
Commercial	$	1,441,297	$	1,497,272
Construction:
Land acquisition & development	210,153		220,196
Residential	68,362		49,274
Commercial	62,769		65,059
Total construction loans	341,284		334,529
Residential	841,707		708,339
Agricultural	176,594		177,244
Total real estate loans	2,800,882		2,717,384
Consumer:
Indirect consumer	476,531		438,245
Other consumer	135,638		137,743
Credit card	60,015		60,806
Total consumer loans	672,184		636,794
Commercial	681,416		688,753
Agricultural	123,565		113,627
Other, including overdrafts	1,912		912
Loans held for investment	4,279,959		4,157,470
Mortgage loans held for sale	52,133		66,442
Total loans	$	4,332,092	$	4,223,912

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 dates indicated:

							Total Loans
	30 - 59		60 - 89		> 90		30 or More
	Days		Days		Days		Days		Current		Non-accrual		Total
As of September 30, 2013	Past Due		Past Due		Past Due		Past Due		Loans		Loans		Loans
Real estate
Commercial	$	4,333	$	4,124	$	313	$	8,770	$	1,386,656	$	45,871	$	1,441,297
Construction:
Land acquisition & development	6,652		925		—		7,577		185,841		16,735		210,153
Residential	41		—		—		41		66,831		1,490		68,362
Commercial	2,207		—		—		2,207		60,294		268		62,769
Total construction loans	8,900		925		—		9,825		312,966		18,493		341,284
Residential	2,970		996		875		4,841		830,616		6,250		841,707
Agricultural	272		4,949		48		5,269		161,544		9,781		176,594
Total real estate loans	16,475		10,994		1,236		28,705		2,691,782		80,395		2,800,882
Consumer:
Indirect consumer	2,343		244		—		2,587		473,611		333		476,531
Other consumer	798		117		3		918		134,179		541		135,638
Credit card	364		262		469		1,095		58,900		20		60,015
Total consumer loans	3,505		623		472		4,600		666,690		894		672,184
Commercial	6,102		1,159		534		7,795		661,010		12,611		681,416
Agricultural	520		36		—		556		122,894		115		123,565
Other, including overdrafts			—		—		—		1,912		—		1,912
Loans held for investment	26,602		12,812		2,242		41,656		4,144,288		94,015		4,279,959
Mortgage loans originated for sale	—		—		—		—		52,133		—		52,133
Total loans	$	26,602	$	12,812	$	2,242	$	41,656	$	4,196,421	$	94,015	$	4,332,092

							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

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:

As of September 30, 2013	Unpaid Total Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance
Real estate:
Commercial	$	62,453	$	33,566	$	26,993	$	60,559	$	4,897
Construction:
Land acquisition & development	22,985		11,211		7,327		18,538		2,652
Residential	2,191		1,490		—		1,490		—
Commercial	442		360		48		408		48
Total construction loans	25,618		13,061		7,375		20,436		2,700
Residential	9,682		4,869		1,840		6,709		657
Agricultural	10,108		6,724		3,289		10,013		962
Total real estate loans	107,861		58,220		39,497		97,717		9,216
Commercial	15,645		8,493		5,250		13,743		4,126
Agricultural	167		27		89		116		19
Total	$	123,673	$	66,740	$	44,836	$	111,576	$	13,361

As of 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

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

	Three Months Ended September 30,
	2013				2012
	Average Recorded Investment		Income Recognized		Average Recorded Investment		Income Recognized
Real estate:
Commercial	$	62,208	$	239	$	81,313	$	366
Construction:
Land acquisition & development	17,614		19		36,206		30
Residential	1,513		—		3,151		—
Commercial	1,174		2		10,817		—
Total construction loans	20,301		21		50,174		30
Residential	7,770		6		12,416		1
Agricultural	9,995		—		5,173		9
Total real estate loans	100,274		266		149,076		406
Commercial	16,245		16		15,992		21
Agricultural	240		4		748		4
Total	$	116,759	$	286	$	165,816	$	431

	Nine Months Ended September 30,
	2013				2012
	Average Recorded Investment		Income Recognized		Average Recorded Investment		Income Recognized
Real estate:
Commercial	$	65,726	$	849	$	82,689	$	1,037
Construction:
Land acquisition & development	19,923		475		49,528		76
Residential	1,949		—		8,591		—
Commercial	5,161		2		18,601		—
Total construction loans	27,033		477		76,720		76
Residential	8,882		15		14,667		22
Agricultural	7,751		8		7,090		41
Total real estate loans	109,392		1,349		181,166		1,176
Commercial	15,065		52		16,129		65
Agricultural	335		12		1,039		19
Total	$	124,792	$	1,413	$	198,334	$	1,260

Schedule of Loans Renegotiated in Troubled Debt Restructurings

The following tables present information on the Company's troubled debt restructurings that occurred during the three and nine months ended September 30, 2013:    

	Number of Notes	Type of Concession								Principal Balance at Restructure Date
Three Months Ended September 30, 2013		Interest only period		Extension of terms or maturity		Interest rate adjustment		Other (1)
Real estate:
Commercial	3	$	136	$	863	$	—	$	—	$	999
Construction:
Land acquisition & development	4	408		6,974		155		—		7,537
Residential	1	—		—		—		79		79
Total real estate loans	8	544		7,837		155		79		8,615
Total loans restructured during period	8	$	544	$	7,837	$	155	$	79	$	8,615

	Number of Notes	Type of Concession								Principal Balance at Restructure Date
Nine Months Ended September 30, 2013		Interest only period		Extension of terms or maturity		Interest rate adjustment		Other (1)
Real estate:
Commercial	13	$	136	$	1,252	$	5,345	$	183	$	6,916
Construction:
Land acquisition & development	6	528		7,308		155		—		7,991
Residential	2	—		408		—		—		408
Total construction loans	8	528		7,716		155		—		8,399
Residential	4	—		463		—		79		542
Total real estate loans	25	664		9,431		5,500		262		15,857
Commercial	4	50		178		265		87		580
Total loans restructured during period	29	$	714	$	9,609	$	5,765	$	349	$	16,437
(1) Other includes concessions that reduce or defer payments for a specified period of time and/or do not fit into other designated categories.

The following table presents information on the Company's troubled debt restructurings during the previous 12 months for which there was a payment default during the periods indicated. The Company considers a payment default to occur on troubled debt restructurings when the loan is 90 days or more past due or was placed on non-accrual status after the modification.

	Three Months Ended September 30, 2013			Nine Months Ended September 30, 2013
	Number of Notes	Balance		Number of Notes	Balance
Real estate:
Commercial	1	$	136	1	$	136
Construction:
Residential	—	—		1	276
Total real estate loans	1	136		2	412
Commercial	—	0		1	15
Total	1	$	136	3	$	427

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:

As of September 30, 2013	Other Assets Especially Mentioned		Substandard		Doubtful		Total Criticized Loans
Real estate:
Commercial	$	95,273	$	101,381	$	18,394	$	215,048
Construction:
Land acquisition & development	25,720		17,262		7,399		50,381
Residential	3,377		1,517		276		5,170
Commercial	—		360		48		408
Total construction loans	29,097		19,139		7,723		55,959
Residential	6,356		7,565		4,876		18,797
Agricultural	12,387		10,479		3,289		26,155
Total real estate loans	143,113		138,564		34,282		315,959
Consumer:
Indirect consumer	815		1,558		132		2,505
Other consumer	549		838		352		1,739
Credit card	—		563		2,050		2,613
Total consumer loans	1,364		2,959		2,534		6,857
Commercial	33,096		25,037		5,510		63,643
Agricultural	3,276		1,718		89		5,083
Total	$	180,849	$	168,278	$	42,415	$	391,542

As of December 31, 2012	Other Assets Especially Mentioned		Substandard		Doubtful		Total Criticized Loans
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