XML 71 R59.htm IDEA: XBRL DOCUMENT v3.8.0.1
LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES - ALLOWANCE ACTIVITY (Details) - USD ($)
$ in Thousands
3 Months Ended 9 Months Ended
Sep. 30, 2017
Sep. 30, 2016
Sep. 30, 2017
Sep. 30, 2016
Allowance for loan losses rollforward        
Beginning Balance $ 37,898 $ 29,308 $ 32,920 $ 27,491
Provision for loan and lease losses 4,221 2,489 21,633 9,489
Charged-off (3,369) (2,071) (17,250) (8,617)
Recoveries 1,441 710 2,888 2,073
Ending Balance 40,191 30,436 40,191 30,436
Core Banking Activities        
Allowance for loan losses rollforward        
Beginning Balance 29,251 26,857 27,928 25,792
Provision for loan and lease losses 609 477 2,575 2,253
Charged-off (689) (723) (1,911) (2,139)
Recoveries   480 954 1,185
Ending Balance 29,546 27,091 29,546 27,091
Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 27,749 25,392 26,464 24,825
Provision for loan and lease losses 683 289 2,611 1,567
Charged-off (689) (723) (1,911) (2,139)
Recoveries 375 480 954 1,185
Ending Balance 28,118 25,438 28,118 25,438
Warehouse Lending        
Allowance for loan losses rollforward        
Provision for loan and lease losses (74) 188 (36) 686
Republic Processing Group        
Allowance for loan losses rollforward        
Beginning Balance 8,647 2,451 4,992 1,699
Provision for loan and lease losses 3,612 2,012 19,058 7,236
Charged-off (2,680) (1,348) (15,339) (6,478)
Recoveries 1,066 230 1,934 888
Ending Balance 10,645 3,345 10,645 3,345
Residential Real Estate - Owner Occupied | Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 6,740 7,893 7,158 8,301
Provision for loan and lease losses (222) (562) (653) (860)
Charged-off (52) (56) (163) (317)
Recoveries 107 142 231 293
Ending Balance 6,573 7,417 6,573 7,417
Residential Real Estate - Owner Occupied - Correspondent | Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 324 592 373 623
Provision for loan and lease losses (10) (200) (59) (231)
Ending Balance 314 392 314 392
Residential Real Estate - Non Owner Occupied | Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 1,237 1,052 1,139 1,052
Provision for loan and lease losses 100 113 212 105
Charged-off     (14)  
Recoveries       8
Ending Balance 1,337 1,165 1,337 1,165
Commercial Real Estate | Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 8,368 7,805 8,078 7,672
Provision for loan and lease losses 325 192 577 260
Charged-off       (41)
Recoveries 77 34 115 140
Ending Balance 8,770 8,031 8,770 8,031
Construction & land development | Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 2,508 1,332 1,850 1,303
Provision for loan and lease losses (435) 66 222 119
Charged-off       (44)
Recoveries 3 10 4 30
Ending Balance 2,076 1,408 2,076 1,408
Commercial & Industrial | Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 1,682 1,441 1,511 1,455
Provision for loan and lease losses 388 (182) 537 130
Charged-off (152)   (152) (330)
Recoveries 12 121 34 125
Ending Balance 1,930 1,380 1,930 1,380
Commercial & Industrial | Republic Processing Group        
Allowance for loan losses rollforward        
Beginning Balance     25  
Provision for loan and lease losses     (25)  
Lease Financing Receivables | Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 151 115 136 89
Provision for loan and lease losses 11 13 26 39
Ending Balance 162 128 162 128
Home equity lines of credit | Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 3,787 3,016 3,757 2,996
Provision for loan and lease losses 14 633 62 633
Charged-off (4) (145) (99) (229)
Recoveries 51 31 128 135
Ending Balance 3,848 3,535 3,848 3,535
Consumer: Credit cards | Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 588 456 490 448
Provision for loan and lease losses 50 105 181 163
Charged-off (38) (91) (86) (153)
Recoveries 6 17 21 29
Ending Balance 606 487 606 487
Consumer: Overdrafts | Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 806 824 675 351
Provision for loan and lease losses 311 (34) 731 639
Charged-off (276) (239) (687) (571)
Recoveries 51 55 173 187
Ending Balance 892 606 892 606
Consumer: Automobile loan | Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 640 281 526 56
Provision for loan and lease losses 40 178 160 402
Charged-off (12) (12) (19) (12)
Recoveries 1   2 1
Ending Balance 669 447 669 447
Other consumer | Traditional Banking        
Allowance for loan losses rollforward        
Beginning Balance 918 585 771 479
Provision for loan and lease losses 111 (33) 615 168
Charged-off (155) (180) (691) (442)
Recoveries 67 70 246 237
Ending Balance 941 442 941 442
Warehouse lines of credit | Warehouse Lending        
Allowance for loan losses rollforward        
Beginning Balance 1,502 1,465 1,464 967
Provision for loan and lease losses (74) 188 (36) 686
Ending Balance 1,428 1,653 1,428 1,653
Easy Advances | Republic Processing Group        
Allowance for loan losses rollforward        
Provision for loan and lease losses (840) (89) 7,041 3,127
Charged-off     (8,123) (3,474)
Recoveries 840 89 1,082 347
Refund Anticipation Loans | Republic Processing Group        
Allowance for loan losses rollforward        
Provision for loan and lease losses     (253) (222)
Recoveries     253 222
Republic Credit Solutions | Republic Processing Group        
Allowance for loan losses rollforward        
Beginning Balance 8,647 2,451 4,967 1,699
Provision for loan and lease losses 4,452 2,101 12,295 4,331
Charged-off (2,680) (1,348) (7,216) (3,004)
Recoveries 226 141 599 319
Ending Balance $ 10,645 $ 3,345 $ 10,645 $ 3,345