LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)

6 Months Ended

Jun. 30, 2017

LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES

Schedule of composition of loan portfolio

(in thousands)	June 30, 2017		December 31, 2016
Traditional Banking:
Residential real estate:
Owner occupied	$	961,405	$	1,000,148
Owner occupied - correspondent*		129,792		149,028
Nonowner occupied		172,684		156,605
Commercial real estate		1,104,026		1,060,496
Construction & land development		137,877		119,650
Commercial & industrial		314,433		259,026
Lease financing receivables		14,371		13,614
Home equity		344,946		341,285
Consumer:
Credit cards		17,879		13,414
Overdrafts		902		803
Automobile loans		59,921		52,579
Other consumer		15,344		19,744
Total Traditional Banking		3,273,580		3,186,392
Warehouse lines of credit*		600,630		585,439
Total Core Banking		3,874,210		3,771,831
Republic Processing Group*:
Commercial & industrial		—		6,695
Consumer:
Easy Advances		—		—
Republic Credit Solutions		42,110		32,252
Total Republic Processing Group		42,110		38,947
Total loans**		3,916,320		3,810,778
Allowance for loan and lease losses		(37,898)		(32,920)
Total loans, net	$	3,878,422	$	3,777,858

*Identifies loans to borrowers located primarily outside of the Bank’s market footprint.

**Total loans are presented inclusive of premiums, discounts and net loan origination fees and costs. See table directly below for expanded detail.

Schedule that reconciles the contractually receivable and carrying amounts of loans

(in thousands)	June 30, 2017		December 31, 2016
Contractually receivable	$	3,920,955	$	3,816,086
Unearned income(1)		(1,113)		(1,050)
Unamortized premiums(2)		1,394		1,838
Unaccreted discounts(3)		(8,563)		(9,397)
Net unamortized deferred origination fees and costs(4)		3,647		3,301
Carrying value of loans	$	3,916,320	$	3,810,778

(1) Unearned income relates to lease financing receivables.

(2) Premiums predominately relate to loans acquired through the Bank’s Correspondent Lending channel.

(3) Unaccreted discounts include accretable and non-accretable discounts and predominately relate to loans acquired in the Bank’s 2016 Cornerstone acquisition and its 2012 FDIC-assisted transactions.

(4) Primarily attributable to the Traditional Banking segment.

Schedule of loans purchased by class

.

	Three Months Ended				Six Months Ended
	June 30,				June 30,
(in thousands)	2017		2016		2017		2016
Residential real estate:
Owner occupied - correspondent*	$	1,432	$	23,043	$	2,656	$	43,564
Consumer:
Other consumer*		—		1,756		—		4,422
Total purchased loans	$	1,432	$	24,799	$	2,656	$	47,986

* Represents origination amount, inclusive of applicable purchase premiums.

Schedule of loans acquired

	May 17, 2016
(in thousands)	Contractual Receivable		Non-accretable Discount		Accretable Discount		Acquisition-Day Fair Value
Residential real estate:
Owner occupied	$	15,487	$	—	$	(393)	$	15,094
Nonowner occupied		11,196		—		(101)		11,095
Commercial real estate		106,089		—		(1,498)		104,591
Construction & land development		18,277		—		(502)		17,775
Commercial & industrial		11,462		—		(191)		11,271
Home equity		20,652		—		(350)		20,302
Consumer and other		2,347		—		(147)		2,200
Total loans - ASC 310-20		185,510		—		(3,182)		182,328
Residential real estate:
Owner occupied		2,963		(822)		(15)		2,126
Nonowner occupied		1,721		(320)		(167)		1,234
Commercial real estate		4,315		(617)		(197)		3,501
Construction & land development		175		—		—		175
Commercial & industrial		66		(1)		1		66
Home equity		382		(178)		(11)		193
Consumer and other		4		(3)		—		1
Total loans - ASC 310-30 - PCI loans		9,626		(1,941)		(389)		7,296
Total loans acquired	$	195,136	$	(1,941)	$	(3,571)	$	189,624

Reconciliation of contractually-required and carrying amounts of PCI loans

(in thousands)	June 30, 2017		December 31, 2016
Contractually-required principal	$	14,693	$	15,587
Non-accretable amount		(1,787)		(1,713)
Accretable amount		(3,333)		(3,600)
Carrying value of loans	$	9,573	$	10,274

Rollforward of the accretable amount on PCI loans

	Three Months Ended				Six Months Ended
	June 30,				June 30,
(in thousands)	2017		2016		2017		2016
Balance, beginning of period	$	(3,409)	$	(3,853)	$	(3,600)	$	(4,125)
Transfers between non-accretable and accretable*		(15)		(23)		75		(478)
Net accretion into interest income on loans, including loan fees		91		170		192		897
Generated from acquisition of Cornerstone Bancorp, Inc. (recasted)		—		(381)		—		(381)
Balance, end of period	$	(3,333)	$	(4,087)	$	(3,333)	$	(4,087)

*Transfers are primarily attributable to changes in estimated cash flows of the underlying loans.

Schedule of the risk category of loans by class of loans based on the bank's internal analysis performed

June 30, 2017			Special				Doubtful /		PCI Loans -		PCI Loans -		Total Rated
(in thousands)	Pass		Mention		Substandard		Loss		Group 1		Substandard		Loans*
Traditional Banking:
Residential real estate:
Owner occupied	$	—	$	20,553	$	12,642	$	—	$	181	$	1,741	$	35,117
Owner occupied - correspondent		—		—		—		—		—		—		—
Nonowner occupied		—		869		1,058		—		513		—		2,440
Commercial real estate		1,087,153		5,960		3,984		—		6,929		—		1,104,026
Construction & land development		137,128		—		749		—		—		—		137,877
Commercial & industrial		313,293		669		449		—		22		—		314,433
Lease financing receivables		14,371		—		—		—		—		—		14,371
Home equity		—		83		2,158		—		92		95		2,428
Consumer:
Credit cards		—		—		—		—		—		—		—
Overdrafts		—		—		—		—		—		—		—
Automobile loans		—		—		99		—		—		—		99
Other consumer		—		—		108		—		—		—		108
Total Traditional Banking		1,551,945		28,134		21,247		—		7,737		1,836		1,610,899
Warehouse lines of credit		600,630		—		—		—		—		—		600,630
Total Core Banking		2,152,575		28,134		21,247		—		7,737		1,836		2,211,529
Republic Processing Group:
Commercial & industrial		—		—		—		—		—		—		—
Consumer:
Easy Advances		—		—		—		—		—		—		—
Republic Credit Solutions		—		—		302		—		—		—		302
Total Republic Processing Group		—		—		302		—		—		—		302
Total rated loans	$	2,152,575	$	28,134	$	21,549	$	—	$	7,737	$	1,836	$	2,211,831

December 31, 2016			Special				Doubtful /		PCI Loans -		PCI Loans -		Total Rated
(in thousands)	Pass		Mention		Substandard		Loss		Group 1		Substandard		Loans*
Traditional Banking:
Residential real estate:
Owner occupied	$	—	$	21,344	$	13,117	$	—	$	218	$	2,267	$	36,946
Owner occupied - correspondent		—		—		—		—		—		—		—
Nonowner occupied		—		656		1,115		—		523		—		2,294
Commercial real estate		1,042,137		7,086		4,224		—		7,049		—		1,060,496
Construction & land development		118,769		90		791		—		—		—		119,650
Commercial & industrial		257,579		1,270		154		—		23		—		259,026
Lease financing receivables		13,614						—		—		—		13,614
Home equity		—		256		1,763		—		94		99		2,212
Consumer:
Credit cards		—		—		—		—		—		—		—
Overdrafts		—		—		—		—		—		—		—
Automobile loans		—		—		—		—		—		—		—
Other consumer		—		—		166		—		1		—		167
Total Traditional Banking		1,432,099		30,702		21,330		—		7,908		2,366		1,494,405
Warehouse lines of credit		585,439		—		—		—		—		—		585,439
Total Core Banking		2,017,538		30,702		21,330		—		7,908		2,366		2,079,844
Republic Processing Group:
Commercial & industrial		6,695		—		—		—		—		—		6,695
Consumer:
Easy Advances		—		—		—		—		—		—		—
Republic Credit Solutions		—		—		82		—		—		—		82
Total Republic Processing Group		6,695		—		82		—		—		—		6,777
Total rated loans	$	2,024,233	$	30,702	$	21,412	$	—	$	7,908	$	2,366	$	2,086,621

* The above tables exclude all non-classified or non-rated residential real estate, home equity and consumer loans at the respective period ends.

Schedule of activity in the allowance for loan and lease losses

	Allowance Rollforward
	Three Months Ended June 30,
	2017										2016
	Beginning				Charge-				Ending		Beginning				Charge-				Ending
(in thousands)	Balance		Provision		offs		Recoveries		Balance		Balance		Provision		offs		Recoveries		Balance
Traditional Banking:
Residential real estate:
Owner occupied	$	7,071	$	(288)	$	(108)	$	65	$	6,740	$	8,049	$	(160)	$	(73)	$	77	$	7,893
Owner occupied - correspondent		353		(29)		—		—		324		607		(15)		—		—		592
Nonowner occupied		1,198		42		(3)		—		1,237		1,095		(51)		—		8		1,052
Commercial real estate		7,898		449		—		21		8,368		7,678		48		—		79		7,805
Construction & land development		2,233		274		—		1		2,508		1,348		(16)		—		—		1,332
Commercial & industrial		1,488		193		—		1		1,682		1,384		387		(330)		—		1,441
Lease financing receivables		145		6		—		—		151		97		18		—		—		115
Home equity		3,831		(21)		(91)		68		3,787		3,054		(67)		(49)		78		3,016
Consumer:
Credit cards		506		93		(21)		10		588		466		37		(50)		3		456
Overdrafts		641		337		(227)		55		806		450		489		(171)		56		824
Automobile loans		563		84		(7)		—		640		145		135		—		1		281
Other consumer		825		321		(306)		78		918		648		(7)		(131)		75		585
Total Traditional Banking		26,752		1,461		(763)		299		27,749		25,021		798		(804)		377		25,392
Warehouse lines of credit		1,238		264		—		—		1,502		985		480		—		—		1,465
Total Core Banking		27,990		1,725		(763)		299		29,251		26,006		1,278		(804)		377		26,857
Republic Processing Group:
Commercial & industrial		—		—		—		—		—		—		—		—		—		—
Consumer:
Easy Advances		7,741		(721)		(7,261)		241		—		3,169		(354)		(3,069)		254		—
Refund Anticipation Loans		—		(17)		—		17		—		—		(43)		—		43		—
Republic Credit Solutions		6,631		4,074		(2,251)		193		8,647		2,300		933		(874)		92		2,451
Total Republic Processing Group		14,372		3,336		(9,512)		451		8,647		5,469		536		(3,943)		389		2,451
Total	$	42,362	$	5,061	$	(10,275)	$	750	$	37,898	$	31,475	$	1,814	$	(4,747)	$	766	$	29,308

	Allowance Rollforward
	Six Months Ended June 30,
	2017										2016
	Beginning				Charge-				Ending		Beginning				Charge-				Ending
(in thousands)	Balance		Provision		offs		Recoveries		Balance		Balance		Provision		offs		Recoveries		Balance
Traditional Banking:
Residential real estate:
Owner occupied	$	7,158	$	(431)	$	(111)	$	124	$	6,740	$	8,301	$	(298)	$	(261)	$	151	$	7,893
Owner occupied - correspondent		373		(49)		—		—		324		623		(31)		—		—		592
Nonowner occupied		1,139		112		(14)		—		1,237		1,052		(8)		—		8		1,052
Commercial real estate		8,078		252		—		38		8,368		7,672		68		(41)		106		7,805
Construction & land development		1,850		657		—		1		2,508		1,303		53		(44)		20		1,332
Commercial & industrial		1,511		149		—		22		1,682		1,455		312		(330)		4		1,441
Lease financing receivables		136		15		—		—		151		89		26		—		—		115
Home equity		3,757		48		(95)		77		3,787		2,996		—		(84)		104		3,016
Consumer:
Credit cards		490		131		(48)		15		588		448		58		(62)		12		456
Overdrafts		675		420		(411)		122		806		351		673		(332)		132		824
Automobile loans		526		120		(7)		1		640		56		224		—		1		281
Other consumer		771		504		(536)		179		918		479		201		(262)		167		585
Total Traditional Banking		26,464		1,928		(1,222)		579		27,749		24,825		1,278		(1,416)		705		25,392
Warehouse lines of credit		1,464		38		—		—		1,502		967		498		—		—		1,465
Total Core Banking		27,928		1,966		(1,222)		579		29,251		25,792		1,776		(1,416)		705		26,857
Republic Processing Group:
Commercial & industrial		25		(25)		—		—		—		—		—		—		—		—
Consumer:
Easy Advances		—		7,880		(8,121)		241		—		—		3,220		(3,474)		254		—
Refund Anticipation Loans		—		(252)		—		252		—		—		(290)		—		290		—
Republic Credit Solutions		4,967		7,843		(4,536)		373		8,647		1,699		2,294		(1,720)		178		2,451
Total Republic Processing Group		4,992		15,446		(12,657)		866		8,647		1,699		5,224		(5,194)		722		2,451
Total	$	32,920	$	17,412	$	(13,879)	$	1,445	$	37,898	$	27,491	$	7,000	$	(6,610)	$	1,427	$	29,308

Schedule of non-performing loans and non-performing assets and select credit quality ratios

(dollars in thousands)	June 30, 2017			December 31, 2016
Loans on nonaccrual status*	$	15,467		$	15,892
Loans past due 90-days-or-more and still on accrual**		335			167
Total nonperforming loans		15,802			16,059
Other real estate owned		300			1,391
Total nonperforming assets	$	16,102		$	17,450
Credit Quality Ratios - Total Company:
Nonperforming loans to total loans		0.40	%		0.42	%
Nonperforming assets to total loans (including OREO)		0.41			0.46
Nonperforming assets to total assets		0.32			0.36
Credit Quality Ratios - Core Bank:
Nonperforming loans to total loans		0.40	%		0.42	%
Nonperforming assets to total loans (including OREO)		0.41			0.46
Nonperforming assets to total assets		0.32			0.36

*Loans on nonaccrual status include impaired loans.

**Loans past due 90-days-or-more and still accruing consist of PCI loans or smaller balance consumer loans.

Schedule of recorded investment in non-accrual loans and loans past due over 90-days-or-more and still on accrual by class of loans

					Past Due 90-Days-or-More
	Nonaccrual				and Still Accruing Interest*
(in thousands)	June 30, 2017		December 31, 2016		June 30, 2017		December 31, 2016
Traditional Banking:
Residential real estate:
Owner occupied	$	9,894	$	10,955	$	—	$	—
Owner occupied - correspondent		—		—		—		—
Nonowner occupied		790		852		—		—
Commercial real estate		2,613		2,725		—		—
Construction & land development		71		77		—		—
Commercial & industrial		449		154		—		—
Lease financing receivables		—		—		—		—
Home equity		1,498		1,069		4		—
Consumer:
Credit cards		—		—		—		—
Overdrafts		—		—		—		—
Automobile loans		99		—		—		—
Other consumer		53		60		29		85
Total Traditional Banking		15,467		15,892		33		85
Warehouse lines of credit		—		—		—		—
Total Core Banking		15,467		15,892		33		85
Republic Processing Group:
Commercial & industrial		—		—		—		—
Consumer:
Easy Advances		—		—		—		—
Republic Credit Solutions		—		—		302		82
Total Republic Processing Group		—		—		302		82
Total	$	15,467	$	15,892	$	335	$	167

*  Loans past due 90-days-or-more and still accruing consist of PCI loans or smaller balance consumer loans

Schedule of aging of the recorded investment in loans by class of loans

	30 - 59			60 - 89			90 or More
June 30, 2017	Days			Days			Days			Total			Total
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent**			Current		Total
Traditional Banking:
Residential real estate:
Owner occupied	$	1,744		$	566		$	1,410		$	3,720		$	957,685	$	961,405
Owner occupied - correspondent		—			—			—			—			129,792		129,792
Nonowner occupied		58			—			26			84			172,600		172,684
Commercial real estate		269			244			492			1,005			1,103,021		1,104,026
Construction & land development		—			—			—			—			137,877		137,877
Commercial & industrial		154			300			—			454			313,979		314,433
Lease financing receivables		—			—			—			—			14,371		14,371
Home equity		432			84			628			1,144			343,802		344,946
Consumer:
Credit cards		54			11			—			65			17,814		17,879
Overdrafts		192			—			—			192			710		902
Automobile loans		—			25			26			51			59,870		59,921
Other consumer		48			52			29			129			15,215		15,344
Total Traditional Banking		2,951			1,282			2,611			6,844			3,266,736		3,273,580
Warehouse lines of credit		—			—			—			—			600,630		600,630
Total Core Banking		2,951			1,282			2,611			6,844			3,867,366		3,874,210
Republic Processing Group:
Commercial & industrial		—			—			—			—			—		—
Consumer:
Easy Advances		—			—			—			—			—		—
Republic Credit Solutions		1,502			365			302			2,169			39,941		42,110
Total Republic Processing Group		1,502			365			302			2,169			39,941		42,110
Total	$	4,453		$	1,647		$	2,913		$	9,013		$	3,907,307	$	3,916,320
Delinquency ratio***		0.11	%		0.04	%		0.07	%		0.23	%

*All loans past due 90-days-or-more, excluding PCI loans and small balance consumer loans, were on nonaccrual status.

**Delinquent status may be determined by either the number of days past due or number of payments past due.

***Represents total loans 30-days-or-more past due by aging category divided by total loans.

	30 - 59			60 - 89			90 or More
December 31, 2016	Days			Days			Days			Total			Total
(dollars in thousands)	Delinquent			Delinquent			Delinquent*			Delinquent**			Current		Total
Traditional Banking:
Residential real estate:
Owner occupied	$	1,696		$	337		$	2,521		$	4,554		$	995,594	$	1,000,148
Owner occupied - correspondent		—			—			—			—			149,028		149,028
Nonowner occupied		—			—			46			46			156,559		156,605
Commercial real estate		8			—			417			425			1,060,071		1,060,496
Construction & land development		—			—			—			—			119,650		119,650
Commercial & industrial		342			—			—			342			258,684		259,026
Lease financing receivables		—			—			—			—			13,614		13,614
Home equity		316			160			494			970			340,315		341,285
Consumer:
Credit cards		14			4			—			18			13,396		13,414
Overdrafts		159			1			1			161			642		803
Automobile loans		—			—			—			—			52,579		52,579
Other consumer		114			106			85			305			19,439		19,744
Total Traditional Banking		2,649			608			3,564			6,821			3,179,571		3,186,392
Warehouse lines of credit		—			—			—			—			585,439		585,439
Total Core Banking		2,649			608			3,564			6,821			3,765,010		3,771,831
Republic Processing Group:
Commercial & industrial		—			—			—			—			6,695		6,695
Consumer:
Easy Advances		—			—			—			—			—		—
Republic Credit Solutions		1,751			304			82			2,137			30,115		32,252
Total Republic Processing Group		1,751			304			82			2,137			36,810		38,947
Total	$	4,400		$	912		$	3,646		$	8,958		$	3,801,820	$	3,810,778
Delinquency ratio***		0.12	%		0.02	%		0.10	%		0.24	%

*All loans past due 90-days-or-more, excluding PCI loans and small balance consumer loans, were on nonaccrual status.

**Delinquent status may be determined by either the number of days past due or number of payments past due.

***Represents total loans 30-days-or-more past due by aging category divided by total loans.

Schedule of Bank's impaired loans

(in thousands)	June 30, 2017		December 31, 2016
Loans with no allocated Allowance	$	20,344	$	21,416
Loans with allocated Allowance		26,794		31,268
Total impaired loans	$	47,138	$	52,684
Amount of the Allowance	$	4,484	$	4,925

Schedule of balance in the Allowance and the recorded investment in loans by portfolio class based on impairment method

	Allowance for Loan and Lease Losses										Loans
	Individually				PCI with		PCI without				Individually				PCI with		PCI without
June 30, 2017	Evaluated		Collectively		Post Acquisition		Post Acquisition		Total		Evaluated		Collectively		Post Acquisition		Post Acquisition		Total
(dollars in thousands)	Excluding PCI		Evaluated		Impairment		Impairment		Allowance		Excluding PCI		Evaluated		Impairment		Impairment		Loans
Traditional Banking:
Residential real estate:
Owner occupied	$	3,017	$	3,573	$	150	$	—	$	6,740	$	30,700	$	928,783	$	1,741	$	181	$	961,405
Owner occupied - correspondent		—		324		—		—		324		—		129,792		—		—		129,792
Nonowner occupied		58		1,172		7		—		1,237		1,760		170,411		262		251		172,684
Commercial real estate		295		8,036		37		—		8,368		8,857		1,088,240		145		6,784		1,104,026
Construction & land development		95		2,413		—		—		2,508		749		137,128		—		—		137,877
Commercial & industrial		149		1,533		—		—		1,682		493		313,918		—		22		314,433
Lease financing receivables		—		151		—		—		151		—		14,371		—		—		14,371
Home equity		510		3,182		95		—		3,787		2,158		342,601		95		92		344,946
Consumer:
Credit cards		—		588		—		—		588		—		17,879		—		—		17,879
Overdrafts		—		806		—		—		806		—		902		—		—		902
Automobile loans		33		607		—		—		640		99		59,822		—		—		59,921
Other consumer		38		880		—		—		918		79		15,265		—		—		15,344
Total Traditional Banking		4,195		23,265		289		—		27,749		44,895		3,219,112		2,243		7,330		3,273,580
Warehouse lines of credit		—		1,502		—		—		1,502		—		600,630		—		—		600,630
Total Core Banking		4,195		24,767		289		—		29,251		44,895		3,819,742		2,243		7,330		3,874,210
Republic Processing Group:
Commercial & industrial		—		—		—		—		—		—		—		—		—		—
Consumer:
Easy Advances		—		—		—		—		—		—		—		—		—		—
Republic Credit Solutions		—		8,647		—		—		8,647		—		42,110		—		—		42,110
Total Republic Processing Group		—		8,647		—		—		8,647		—		42,110		—		—		42,110
Total	$	4,195	$	33,414	$	289	$	—	$	37,898	$	44,895	$	3,861,852	$	2,243	$	7,330	$	3,916,320

	Allowance for Loan and Lease Losses										Loans
	Individually				PCI with		PCI without				Individually				PCI with		PCI without
December 31, 2016	Evaluated		Collectively		Post Acquisition		Post Acquisition		Total		Evaluated		Collectively		Post Acquisition		Post Acquisition		Total
(dollars in thousands)	Excluding PCI		Evaluated		Impairment		Impairment		Allowance		Excluding PCI		Evaluated		Impairment		Impairment		Loans
Traditional Banking:
Residential real estate:
Owner occupied	$	3,203	$	3,797	$	158	$	—	$	7,158	$	31,908	$	965,755	$	2,297	$	188	$	1,000,148
Owner occupied - correspondent		—		373		—		—		373		—		149,028		—		—		149,028
Nonowner occupied		65		1,067		7		—		1,139		1,601		154,481		268		255		156,605
Commercial real estate		532		7,501		45		—		8,078		11,769		1,041,678		1,164		5,885		1,060,496
Construction & land development		120		1,730		—		—		1,850		882		118,768		—		—		119,650
Commercial & industrial		227		1,284		—		—		1,511		686		258,317		—		23		259,026
Lease financing receivables		—		136		—		—		136		—		13,614		—		—		13,614
Home equity		433		3,225		99		—		3,757		1,929		339,163		99		94		341,285
Consumer:
Credit cards		—		490		—		—		490		—		13,414		—		—		13,414
Overdrafts		—		675		—		—		675		—		803		—		—		803
Automobile loans		—		526		—		—		526		—		52,579		—		—		52,579
Other consumer		36		735		—		—		771		81		19,662		—		1		19,744
Total Traditional Banking		4,616		21,539		309		—		26,464		48,856		3,127,262		3,828		6,446		3,186,392
Warehouse lines of credit		—		1,464		—		—		1,464		—		585,439		—		—		585,439
Total Core Banking		4,616		23,003		309		—		27,928		48,856		3,712,701		3,828		6,446		3,771,831
Republic Processing Group:
Commercial & industrial		—		25		—		—		25		—		6,695		—		—		6,695
Consumer:
Easy Advances		—		—		—		—		—		—		—		—		—		—
Republic Credit Solutions		—		4,967		—		—		4,967		—		32,252		—		—		32,252
Total Republic Processing Group		—		4,992		—		—		4,992		—		38,947		—		—		38,947
Total	$	4,616	$	27,995	$	309	$	—	$	32,920	$	48,856	$	3,751,648	$	3,828	$	6,446	$	3,810,778

Schedule of loans individually evaluated for impairment by class of loans

	As of						Three Months Ended						Six Months Ended
	June 30, 2017						June 30, 2017						June 30, 2017
											Cash Basis						Cash Basis
	Unpaid						Average		Interest		Interest		Average		Interest		Interest
	Principal		Recorded		Allowance		Recorded		Income		Income		Recorded		Income		Income
(in thousands)	Balance		Investment		Allocated		Investment		Recognized		Recognized		Investment		Recognized		Recognized
Impaired loans with no related allowance recorded:
Residential real estate:
Owner occupied	$	12,651	$	11,712	$	—	$	11,802	$	48	$	—	$	12,380	$	95	$	—
Owner occupied - correspondent		—		—		—		—		—		—		—		—		—
Nonowner occupied		1,576		1,542		—		1,477		7		—		1,293		14		—
Commercial real estate		5,812		4,635		—		4,702		20		—		5,235		40		—
Construction & land development		598		598		—		537		7		—		507		15		—
Commercial & industrial		344		344		—		200		1		—		136		2		—
Lease financing receivables		—		—		—		—		—		—		—		—		—
Home equity		1,578		1,472		—		1,443		6		—		1,434		13		—
Consumer		41		41		—		41		—		—		43		—		—
Impaired loans with an allowance recorded:
Residential real estate:
Owner occupied		20,800		20,729		3,167		20,780		178		—		21,314		357		—
Owner occupied - correspondent		—		—		—		—		—		—		—		—		—
Nonowner occupied		480		480		65		483		6		—		620		11		—
Commercial real estate		4,367		4,367		332		5,229		49		—		6,579		95		—
Construction & land development		151		151		95		273		1		—		342		2		—
Commercial & industrial		149		149		149		150		—		—		274		—		—
Lease financing receivables		—		—		—		—		—		—		—		—		—
Home equity		821		781		605		826		5		—		698		9		—
Consumer		137		137		71		114		—		—		76		—		—
Total impaired loans	$	49,505	$	47,138	$	4,484	$	48,057	$	328	$	—	$	50,931	$	653	$	—

	As of						Three Months Ended						Six Months Ended
	December 31, 2016						June 30, 2016						June 30, 2016
											Cash Basis						Cash Basis
	Unpaid						Average		Interest		Interest		Average		Interest		Interest
	Principal		Recorded		Allowance		Recorded		Income		Income		Recorded		Income		Income
(in thousands)	Balance		Investment		Allocated		Investment		Recognized		Recognized		Investment		Recognized		Recognized
Impaired loans with no related allowance recorded:
Residential real estate:
Owner occupied	$	13,727	$	12,629	$	—	$	13,481	$	30	$	—	$	13,406	$	61	$	—
Owner occupied - correspondent		—		—		—		—		—		—		—		—		—
Non owner occupied		1,399		1,376		—		1,475		1		—		1,626		3		—
Commercial real estate		6,610		5,536		—		7,157		92		—		7,019		199		—
Construction & land development		476		476		—		476		5		—		1,007		10		—
Commercial & industrial		67		67		—		158		2		—		111		4		—
Lease financing receivables		—		—		—		—		—		—		—		—		—
Home equity		1,358		1,287		—		1,924		6		—		1,978		12		—
Consumer		45		45		—		94		—		—		77		—		—
Impaired loans with an allowance recorded:
Residential real estate:
Owner occupied		21,595		21,576		3,361		23,808		211		—		24,488		422		—
Owner occupied - correspondent		—		—		—		—		—		—		—		—		—
Non owner occupied		491		493		73		841		7		—		963		16		—
Commercial real estate		7,397		7,397		577		9,254		115		—		9,670		232		—
Construction & land development		405		406		120		431		5		—		504		10		—
Commercial & industrial		619		619		227		845		—		—		1,062		—		—
Lease financing receivables		—		—		—		—		—		—		—		—		—
Home equity		742		741		532		93		—		—		138		—		—
Consumer		37		36		35		44		—		—		43		—		—
Total impaired loans	$	54,968	$	52,684	$	4,925	$	60,081	$	474	$	—	$	62,092	$	969	$	—

Schedule of TDRs differentiated by loan type and accrual status

	Troubled Debt			Troubled Debt			Total
	Restructurings on			Restructurings on			Troubled Debt
	Nonaccrual Status			Accrual Status			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2017 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate	66	$	5,733	198	$	21,682	264	$	27,415
Commercial real estate	6		2,327	12		6,034	18		8,361
Construction & land development	1		71	3		678	4		749
Commercial & industrial	1		149	1		44	2		193
Total troubled debt restructurings	74	$	8,280	214	$	28,438	288	$	36,718

	Troubled Debt			Troubled Debt			Total
	Restructurings on			Restructurings on			Troubled Debt
	Nonaccrual Status			Accrual Status			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
December 31, 2016 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate	79	$	7,199	198	$	21,554	277	$	28,753
Commercial real estate	6		2,430	17		8,835	23		11,265
Construction & land development	1		77	4		804	5		881
Commercial & industrial	1		154	2		533	3		687
Total troubled debt restructurings	87	$	9,860	221	$	31,726	308	$	41,586

Schedule of categories of TDR loan modifications outstanding and respective performance under modified terms

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2017 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	1	$	7	1	$	476	2	$	483
Rate reduction	148		17,824	50		5,471	198		23,295
Principal deferral	12		1,254	2		124	14		1,378
Legal modification	17		791	33		1,468	50		2,259
Total residential TDRs	178		19,876	86		7,539	264		27,415
Commercial related and construction/land development loans:
Interest only payments	3		893	1		388	4		1,281
Rate reduction	7		4,032	2		221	9		4,253
Principal deferral	6		1,831	5		1,938	11		3,769
Total commercial TDRs	16		6,756	8		2,547	24		9,303
Total troubled debt restructurings	194	$	26,632	94	$	10,086	288	$	36,718

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
December 31, 2016 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	2	$	155	1	$	493	3	$	648
Rate reduction	148		18,125	57		6,213	205		24,338
Principal deferral	7		616	7		306	14		922
Legal modification	17		806	38		2,039	55		2,845
Total residential TDRs	174		19,702	103		9,051	277		28,753
Commercial related and construction/land development loans:
Interest only payments	5		2,666	1		413	6		3,079
Rate reduction	8		4,769	2		228	10		4,997
Principal deferral	10		2,737	5		2,020	15		4,757
Total commercial TDRs	23		10,172	8		2,661	31		12,833
Total troubled debt restructurings	197	$	29,874	111	$	11,712	308	$	41,586

Summary of categories of TDR loan modifications that occurred during the period

A summary of the categories of TDR loan modifications by respective performance as of June 30, 2017 and 2016 that were modified during the three months ended June 30, 2017 and 2016 follows:

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2017 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	—	$	—	—	$	—	—	$	—
Rate reduction	1		220	—		—	1		220
Principal deferral	2		810	—		—	2		810
Legal modification	1		11	—		—	1		11
Total residential TDRs	4		1,041	—		—	4		1,041
Commercial related and construction/land development loans:
Interest only payments	—		—	—		—	—		—
Rate reduction	—		—	—		—	—		—
Principal deferral	—		—	—		—	—		—
Total commercial TDRs	—		—	—		—	—		—
Total troubled debt restructurings	4	$	1,041	—	$	—	4	$	1,041

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2016 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	—	$	—	—	$	—	—	$	—
Rate reduction	1		133	2		98	3		231
Principal deferral	—		—	—		—	—		—
Legal modification	—		—	—		—	—		—
Total residential TDRs	1		133	2		98	3		231
Commercial related and construction/land development loans:
Interest only payments	—		—	—		—	—		—
Rate reduction	—		—	—		—	—		—
Principal deferral	—		—	—		—	—		—
Total commercial TDRs	—		—	—		—	—		—
Total troubled debt restructurings	1	$	133	2	$	98	3	$	231

The tables above are inclusive of loans that were TDRs at the end of previous periods and were re-modified, e.g., a maturity date extension during the current period.

As of June 30, 2017 and 2016, 100% and 58% of the Bank’s TDRs that occurred during the second quarters of 2017 and 2016 were performing according to their modified terms. The Bank provided approximately $30,000 and $29,000 in specific reserve allocations to clients whose loan terms were modified in TDRs during the second quarters of 2017 and 2016.  

There was no significant change between the pre and post modification loan balances for the three months ending June 30, 2017 and 2016.

A summary of the categories of TDR loan modifications by respective performance as of June 30, 2017 and 2016 that were modified during the six months ended June 30, 2017 and 2016 follows:

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2017 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	—	$	—	—	$	—	—	$	—
Rate reduction	2		379	—		—	2		379
Principal deferral	2		810	—		—	2		810
Legal modification	1		11	—		—	1		11
Total residential TDRs	5		1,200	—		—	5		1,200
Commercial related and construction/land development loans:
Interest only payments	—		—	—		—	—		—
Rate reduction	—		—	—		—	—		—
Principal deferral	—		—	—		—	—		—
Total commercial TDRs	—		—	—		—	—		—
Total troubled debt restructurings	5	$	1,200	—	$	—	5	$	1,200

	Troubled Debt			Troubled Debt
	Restructurings			Restructurings			Total
	Performing to			Not Performing to			Troubled Debt
	Modified Terms			Modified Terms			Restructurings
	Number of	Recorded		Number of	Recorded		Number of	Recorded
June 30, 2016 (dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate loans (including home equity loans):
Interest only payments	—	$	—	—	$	—	—	$	—
Rate reduction	3		187	3		153	6		340
Principal deferral	—		—	—		—	—		—
Legal modification	2		88	2		78	4		166
Total residential TDRs	5		275	5		231	10		506
Commercial related and construction/land development loans:
Interest only payments	—		—	—		—	—		—
Rate reduction	—		—	—		—	—		—
Principal deferral	—		—	—		—	—		—
Total commercial TDRs	—		—	—		—	—		—
Total troubled debt restructurings	5	$	275	5	$	231	10	$	506

Schedule of loans by class modified as troubled debt restructurings within the previous twelve months for which there was a payment default

	Three Months Ended						Six Months Ended
	June 30,						June 30,
	2017			2016			2017			2016
		Recorded		Number of	Recorded		Number of	Recorded		Number of	Recorded
(dollars in thousands)	Loans	Investment		Loans	Investment		Loans	Investment		Loans	Investment
Residential real estate:
Owner occupied	—	$	—	1	$	94	—	$	—	5	$	258
Owner occupied - correspondent	—		—	—		—	—		—	—		—
Nonowner occupied	—		—	—		—	—		—	—		—
Commercial real estate	—		—	—		—	—		—	2		140
Construction & land development	—		—	—		—	—		—	—		—
Commercial & industrial	—		—	—		—	—		—	—		—
Lease financing receivables	—		—	—		—	—		—	—		—
Home equity	—		—	1		4	—		—	1		4
Consumer	—		—	—		—	—		—	—		—
Total	—	$	—	2	$	98	—	$	—	8	$	402

Schedule of carrying amount of foreclosed properties held

(in thousands)	June 30, 2017		December 31, 2016
Residential real estate	$	300	$	1,391
Total other real estate owned	$	300	$	1,391

Schedule of recorded investment in consumer mortgage loans secured by residential real estate properties

(in thousands)	June 30, 2017		December 31, 2016
Recorded investment in consumer residential real estate mortgage loans in the process of foreclosure	$	1,179	$	1,677

Schedule of Easy Advances

	Three Months Ended				Six Months Ended
	June 30,				June 30,
(dollars in thousands)	2017		2016		2017			2016
Easy Advances originated	$	—	$	—	$	328,523		$	123,230
Net Charge (Credit) to the Provision for Easy Advances		(721)		(354)		7,880			3,220
Provision to total Easy Advances originated		NA		NA		2.40	%		2.61	%
Easy Advances net charge-offs	$	7,020	$	2,815	$	7,880		$	3,220
Easy Advances net charge-offs to total Easy Advances originated		NA		NA		2.40	%		2.61	%

NA – Not applicable