Loans And Allowance For Loan Losses (Tables)

3 Months Ended

Mar. 31, 2014

Loans And Allowance For Loan Losses [Abstract]



	At March 31, 2014				At December 31, 2013
(Dollars in thousands)	Noncovered		Covered		Noncovered		Covered
Real estate mortgage:
Commercial	$	755,680	$	10,498	$	740,997	$	11,282
One-to-four family residential		81,199		3,420		80,058		3,930
Real estate construction:
Commercial		165,820		187		143,650		198
One-to-four family residential		6,629		-		4,646		-
Commercial		265,394		917		254,087		971
Installment and consumer:
Guaranteed student loans		4,318		-		4,394		-
Other		26,029		31		26,644		46
		1,305,069		15,053		1,254,476		16,427
Less: Allowance for loan losses		(34,918)		(7)		(36,607)		(56)
Total loans, net	$	1,270,151	$	15,046	$	1,217,869	$	16,371

Changes In The Carrying Amounts And Accretable Yields For ASC 310.30 Loans



	For the three months ended March 31,
	2014					2013
			Carrying				Carrying
	Accretable		amount		Accretable		amount
(Dollars in thousands)	Yield		of loans		Yield		of loans
Balance at beginning of period	$	1,597	$	16,427	$	1,904	$	25,707
Payments received		-		(1,333)		-		(1,889)
Transfers to other real estate / repossessed assets		-		-		(33)		(375)
Net charge-offs		(4)		(41)		(1)		-
Net reclassifications to / from nonaccretable amount		-		-		-		-
Accretion		(90)		-		(163)		158
Balance at end of period	$	1,503	$	15,053	$	1,707	$	23,601

Recorded Investment In Loans On Nonaccrual Status



	At March 31, 2014				At December 31, 2013
(Dollars in thousands)	Noncovered		Covered		Noncovered		Covered
Real estate mortgage:
Commercial	$	6,571	$	970	$	6,564	$	1,202
One-to-four family residential		417		53		456		57
Real estate construction:
Commercial		80		-		2,721		-
Commercial		7,992		-		8,769		-
Other consumer		2		-		50		-
Total nonaccrual loans	$	15,062	$	1,023	$	18,560	$	1,259

Age Analysis Of Past Due Loans



			90 days and								Recorded loans
	30-89 days		greater		Total past				Total		> 90 days and
(Dollars in thousands)	past due		past due		due		Current		loans		accruing
At March 31, 2014
Noncovered:
Real estate mortgage:
Commercial	$	4,005	$	6,571	$	10,576	$	745,104	$	755,680	$	-
One-to-four family residential		109		417		526		80,673		81,199		-
Real estate construction:
Commercial		847		80		927		164,893		165,820		-
One-to-four family residential		-		-		-		6,629		6,629		-
Commercial		1,166		7,992		9,158		256,236		265,394		-
Other		391		2		393		29,954		30,347		-
Total - noncovered		6,518		15,062		21,580		1,283,489		1,305,069		-

Covered:
Real estate mortgage:
Commercial		911		970		1,881		8,617		10,498		-
One-to-four family residential		34		53		87		3,333		3,420		-
Real estate construction:
Commercial		-		-		-		187		187		-
Commercial		-		-		-		917		917		-
Other		1		-		1		30		31		-
Total - covered		946		1,023		1,969		13,084		15,053		-
Total	$	7,464	$	16,085	$	23,549	$	1,296,573	$	1,320,122	$	-

At December 31, 2013
Noncovered:
Real estate mortgage:
Commercial	$	3,843	$	6,564	$	10,407	$	730,590	$	740,997	$	-
One-to-four family residential		284		456		740		79,318		80,058		-
Real estate construction:
Commercial		569		2,721		3,290		140,360		143,650		-
One-to-four family residential		-		-		-		4,646		4,646		-
Commercial		1,998		8,819		10,817		243,270		254,087		50
Other		128		53		181		30,857		31,038		3
Total - noncovered		6,822		18,613		25,435		1,229,041		1,254,476		53

Covered:
Real estate mortgage:
Commercial real estate		8		1,202		1,210		10,072		11,282		-
One-to-four family residential		18		57		75		3,855		3,930		-
Real estate construction:
Commercial		-		-		-		198		198		-
Commercial		-		-		-		971		971		-
Other		-		-		-		46		46		-
Total - covered		26		1,259		1,285		15,142		16,427		-
Total	$	6,848	$	19,872	$	26,720	$	1,244,183	$	1,270,903	$	53

Impaired Loans



	With No Specific Allowance				With A Specific Allowance
			Unpaid				Unpaid
	Recorded		Principal		Recorded		Principal		Related
(Dollars in thousands)	Investment		Balance		Investment		Balance		Allowance
At March 31, 2014
Noncovered:
Commercial real estate	$	23,213	$	23,559	$	16,827	$	17,105	$	4,748
One-to-four family residential		417		549		-		-		-
Real estate construction		81		105		-		-		-
Commercial		2,459		5,524		7,003		10,270		2,164
Other		2		4		-		-		-
Total noncovered	$	26,172	$	29,741	$	23,830	$	27,375	$	6,912

Covered:
Commercial real estate	$	5,535	$	6,552	$	453	$	453	$	6
One-to-four family residential		54		54		41		74		1
Total covered	$	5,589	$	6,606	$	494	$	527	$	7

At December 31, 2013
Noncovered:
Commercial real estate	$	32,284	$	32,784	$	15,446	$	15,729	$	4,012
One-to-four family residential		456		576		-		-		-
Real estate construction		84		106		2,636		2,762		18
Commercial		1,120		1,254		9,177		14,608		3,863
Other		4		6		46		72		46
Total noncovered	$	33,948	$	34,726	$	27,305		33,171	$	7,939

Covered:
Commercial real estate	$	5,793	$	6,760	$	457	$	457	$	3
One-to-four family residential		54		54		42		94		4
Total covered	$	5,847	$	6,814	$	499	$	551	$	7

Average Recorded Investment And Interest Income Recognized On Impaired Loans



	As of and for the three months ended March 31,
	2014				2013
	Average				Average
	Recorded		Interest		Recorded		Interest
(Dollars in thousands)	Investment		Income		Investment		Income
Noncovered:
Commercial real estate	$	38,631	$	348	$	47,880	$	410
One-to-four family residential		427		-		578		-
Real estate construction		82		-		5,117		12
Commercial		8,942		24		13,254		34
Other		3		-		77		-
Total noncovered	$	48,085	$	372	$	66,906	$	456

Covered:
Commercial real estate	$	10,958	$	91	$	17,803	$	82
One-to-four family residential		3,682		-		4,724		-
Real estate construction		193		-		373		-
Commercial		863		-		1,873		-
Other		32		-		95		-
Total covered	$	15,728	$	91	$	24,868	$	82

Troubled Debt Restructured Loans Outstanding



	At March 31, 2014				At December 31, 2013
(Dollars in thousands)	Accruing		Nonaccrual		Accruing		Nonaccrual
Commercial real estate	$	36,435	$	4,318	$	44,442	$	4,456
One-to-four family residential		17		151		18		162
Commercial		1,471		292		1,527		648
Consumer		-		-		-		46
Total	$	37,923	$	4,761	$	45,987	$	5,312

Loans Modified As Troubled Debt Restructurings



	For the three months ended March 31,
	2014				2013
	Number of		Recorded		Number of		Recorded
(Dollars in thousands)	Modifications		Investment		Modifications		Investment
Commercial real estate		-	$	-		6	$	10,882
Commercial		3		244		3		576
Total		3	$	244		9	$	11,458

Recorded Investment And The Number Of Loans Modified As Troubled Debt Restructuring Which Subsequently Defaulted



	For the three months ended March 31,
	2014				2013
	Number of		Recorded		Number of		Recorded
(Dollars in thousands)	Contracts		Investment		Contracts		Investment
Commercial		-	$	-		1	$	563
Total		-	$	-		1	$	563

Classification Of Risk Category Of Loans, By Classes



	Commercial		1-4 Family		Real Estate
(Dollars in thousands)	Real Estate		Residential		Construction		Commercial		Other		Total
At March 31, 2014
Grade:
Pass	$	633,694	$	82,679	$	128,465	$	247,156	$	30,250	$	1,122,244
Special Mention		58,080		895		21,876		6,437		123		87,411
Substandard		73,974		897		22,295		7,271		3		104,440
Doubtful		430		148		-		5,447		2		6,027
Total	$	766,178	$	84,619	$	172,636	$	266,311	$	30,378	$	1,320,122

At December 31, 2013
Grade:
Pass	$	610,929	$	81,534	$	101,715	$	233,132	$	30,893	$	1,058,203
Special Mention		62,932		1,452		22,576		6,130		141		93,231
Substandard		77,453		944		24,203		11,329		50		113,979
Doubtful		965		58		-		4,467		-		5,490
Total	$	752,279	$	83,988	$	148,494	$	255,058	$	31,084	$	1,270,903

By Balance In The Allowance For Loan Losses And The Recorded Investment In Loans Portfolio Classification Disaggregated On The Basis Of Impairment Evaluation Method



	Commercial		1-4 Family		Real Estate
(Dollars in thousands)	Real Estate		Residential		Construction		Commercial		Other		Total
At March 31, 2014
Balance at beginning of period	$	18,854	$	850	$	5,523	$	10,985	$	451	$	36,663
Loans charged-off		(41)		-		(655)		(2,575)		(121)		(3,392)
Recoveries		2,284		18		-		308		30		2,640
Provision for loan losses		(2,238)		(152)		706		682		16		(986)
Balance at end of period	$	18,859	$	716	$	5,574	$	9,400	$	376	$	34,925

Allowance for loan losses ending balance:
Individually evaluated for impairment	$	4,748	$	-	$	-	$	2,164	$	-	$	6,912
Collectively evaluated for impairment		14,105		715		5,574		7,236		376		28,006
Acquired with deteriorated credit quality		6		1		-		-		-		7
Total ending allowance balance	$	18,859	$	716	$	5,574	$	9,400	$	376	$	34,925

Loans receivable ending balance:
Individually evaluated for impairment	$	40,040	$	417	$	81	$	9,462	$	2	$	50,002
Collectively evaluated for impairment		715,640		80,782		172,368		255,932		30,345		1,255,067
Acquired with deteriorated credit quality		10,498		3,420		187		917		31		15,053
Total ending loans balance	$	766,178	$	84,619	$	172,636	$	266,311	$	30,378	$	1,320,122



	Commercial		1-4 Family		Real Estate
(Dollars in thousands)	Real Estate		Residential		Construction		Commercial		Other		Total
At March 31, 2013
Balance at beginning of period	$	27,223	$	861	$	5,271	$	12,604	$	759	$	46,718
Loans charged-off		(458)		(186)		-		(3,926)		(81)		(4,651)
Recoveries		42		19		19		175		33		288
Provision for loan losses		(1,520)		161		669		1,260		(72)		498
Balance at end of period	$	25,287	$	855	$	5,959	$	10,113	$	639	$	42,853

Allowance for loan losses ending balances:
Individually evaluated for impairment	$	5,146		-		249		3,431		68		8,894
Collectively evaluated for impairment		19,996		786		5,710		6,682		571		33,745
Acquired with deteriorated credit quality		145		69		-		-		-		214
Total ending allowance balance	$	25,287	$	855	$	5,959	$	10,113	$	639	$	42,853

Loans receivable ending balance:
Individually evaluated for impairment	$	47,494		651		7,238		13,539		73		68,995
Collectively evaluated for impairment		772,379		73,260		137,239		218,685		33,056		1,234,619
Acquired with deteriorated credit quality		16,970		4,458		367		1,715		91		23,601
Total ending loans balance	$	836,843	$	78,369	$	144,844	$	233,939	$	33,220	$	1,327,215