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Allowance for Probable Loan Losses (Tables)

12 Months Ended

Dec. 31, 2014

Allowance for Probable Loan Losses

Summary of the changes in the allowance for probable loan losses, by loan class

		December 31, 2014
		Domestic																					Foreign
		Commercial			Commercial real estate: other construction & land development			Commercial real estate: farmland & commercial			Commercial real estate: multifamily			Residential: first lien			Residential: junior lien			Consumer			Foreign			Total
		(Dollars in Thousands)
Balance at December 31,		$	22,433		$	12,541		$	24,467		$	776		$	3,812		$	4,249		$	750		$	1,133		$	70,161
Losses charge to allowance			(19,110	)		(680	)		(1,893	)		—			(351	)		(661	)		(719	)		(51	)		(23,465	)
Recoveries credited to allowance			2,979			72			107			—			49			242			210			50			3,709
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Net losses charged to allowance			(16,131	)		(608	)		(1,786	)		—			(302	)		(419	)		(509	)		(1	)		(19,756	)
Provision (credit) charged to operations			16,050			1,022			(3,998	)		70			79			853			419			(72	)		14,423
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Balance at December 31,		$	22,352		$	12,955		$	18,683		$	846		$	3,589		$	4,683		$	660		$	1,060		$	64,828
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​

		December 31, 2013
		Domestic																					Foreign
		Commercial			Commercial real estate: other construction & land development			Commercial real estate: farmland & commercial			Commercial real estate: multifamily			Residential: first lien			Residential: junior lien			Consumer			Foreign			Total
		(Dollars in Thousands)
Balance at December 31,		$	11,632		$	12,720		$	21,880		$	694		$	4,390		$	4,448		$	1,289		$	1,140		$	58,193
Losses charge to allowance			(11,737	)		(278	)		(600	)		(5	)		(632	)		(620	)		(561	)		(22	)		(14,455	)
Recoveries credited to allowance			2,690			87			152			—			61			298			162			5			3,455
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Net losses charged to allowance			(9,047	)		(191	)		(448	)		(5	)		(571	)		(322	)		(399	)		(17	)		(11,000	)
Provision (credit) charged to operations			19,848			12			3,035			87			(7	)		123			(140	)		10			22,968
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Balance at December 31,		$	22,433		$	12,541		$	24,467		$	776		$	3,812		$	4,249		$	750		$	1,133		$	70,161
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​

		December 31, 2012
		Domestic																					Foreign
		Commercial			Commercial real estate: other construction & land development			Commercial real estate: farmland & commercial			Commercial real estate: multifamily			Residential: first lien			Residential: junior lien			Consumer			Foreign			Total
		(Dollars in Thousands)
Balance at December 31,		$	26,617		$	19,940		$	24,227		$	1,003		$	4,562		$	4,760		$	1,724		$	1,359		$	84,192
Losses charge to allowance			(34,721	)		(7,617	)		(13,724	)		—			(227	)		(1,190	)		(756	)		(111	)		(58,346	)
Recoveries credited to allowance			3,547			229			220			—			13			195			184			—			4,388
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Net losses charged to allowance			(31,174	)		(7,388	)		(13,504	)		—			(214	)		(995	)		(572	)		(111	)		(53,958	)
Provision (credit) charged to operations			16,189			168			11,157			(309	)		42			683			137			(108	)		27,959
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Balance at December 31,		$	11,632		$	12,720		$	21,880		$	694		$	4,390		$	4,448		$	1,289		$	1,140		$	58,193
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​

Loans individually or collectively evaluated for impairment and related allowance, by loan class

		December 31, 2014
		Loans individually evaluated for impairment						Loans collectively evaluated for impairment
		Recorded Investment			Allowance			Recorded Investment			Allowance
		(Dollars in Thousands)
Domestic
Commercial		$	40,175		$	9,112		$	1,049,311		$	13,240
Commercial real estate: other construction & land development			10,876			1,890			1,404,101			11,065
Commercial real estate: farmland & commercial			14,166			1,219			1,887,233			17,464
Commercial real estate: multifamily			835			—			115,864			846
Residential: first lien			5,840			—			416,186			3,589
Residential: junior lien			2,895			—			485,405			4,683
Consumer			1,384			—			59,753			660
Foreign			—			—			185,221			1,060
​	​	​	​	​	​	​	​	​	​	​	​	​	​
Total		$	76,171		$	12,221		$	5,603,074		$	52,607
​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	​	​	​	​	​	​

		December 31, 2013
		Loans individually evaluated for impairment						Loans collectively evaluated for impairment
		Recorded Investment			Allowance			Recorded Investment			Allowance
		(Dollars in Thousands)
Domestic
Commercial		$	34,183		$	12,234		$	1,008,459		$	10,199
Commercial real estate: other construction & land development			13,976			852			1,194,532			11,689
Commercial real estate: farmland & commercial			16,038			2,916			1,734,001			21,551
Commercial real estate: multifamily			295			—			101,803			776
Residential: first lien			6,153			—			432,309			3,812
Residential: junior lien			3,206			—			406,024			4,249
Consumer			1,606			—			64,808			750
Foreign			436			—			181,406			1,133
​	​	​	​	​	​	​	​	​	​	​	​	​	​
Total		$	75,893		$	16,002		$	5,123,342		$	54,159
​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	​	​	​	​	​	​

Loans accounted on non-accrual basis, by loan class

		December 31,
		2014			2013
		(Dollars in Thousands)
Domestic
Commercial		$	40,121		$	34,110
Commercial real estate: other construction & land development			8,621			11,726
Commercial real estate: farmland & commercial			11,903			13,775
Commercial real estate: multifamily			835			295
Residential: first lien			527			1,266
Residential: junior lien			1,523			1,576
Consumer			29			75
Foreign			—			—
​	​	​	​	​	​	​	​
Total non-accrual loans		$	63,559		$	62,823
​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​

Impaired loans, by loan class

December 31, 2014

Recorded Investment

Unpaid Principal Balance

Related Allowance

Average Recorded Investment

Interest Recognized

(Dollars in Thousands)

Loans with Related Allowance

Domestic

Commercial

$

19,944

$

20,026

$

9,112

$

19,313

$

—

Commercial real estate: other construction & land development

6,714

6,949

1,890

7,183

—

Commercial real estate: farmland & commercial

5,107

5,257

1,219

6,790

92

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Total impaired loans with related allowance

$

31,765

$

32,232

$

12,221

$

33,286

$

92

​

​

​

​

​

​

​

​

​

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		December 31, 2014
		Recorded Investment			Unpaid Principal Balance			Average Recorded Investment			Interest Recognized
		(Dollars in Thousands)
Loans with No Related Allowance
Domestic
Commercial		$	20,231		$	20,260		$	18,563		$	4
Commercial real estate: other construction & land development			4,162			4,270			4,882			74
Commercial real estate: farmland & commercial			9,059			10,562			8,664			—
Commercial real estate: multifamily			835			835			363			—
Residential: first lien			5,840			6,034			6,293			273
Residential: junior lien			2,895			2,915			3,035			90
Consumer			1,384			1,386			1,402			3
Foreign			—			—			—			—
​	​	​	​	​	​	​	​	​	​	​	​	​	​
Total impaired loans with no related allowance		$	44,406		$	46,262		$	43,202		$	444
​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	​	​	​	​	​	​

December 31, 2013

Recorded Investment

Unpaid Principal Balance

Related Allowance

Average Recorded Investment

Interest Recognized

(Dollars in Thousands)

Loans with Related Allowance

Domestic

Commercial

$

17,178

$

17,177

$

12,234

$

18,019

$

38

Commercial real estate: other construction & land development

6,818

6,825

852

6,058

—

Commercial real estate: farmland & commercial

7,259

10,697

2,916

7,167

92

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

​

Total impaired loans with related allowance

$

31,255

$

34,699

$

16,002

$

31,244

$

130

​

​

​

​

​

​

​

​

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​

​

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		December 31, 2013
		Recorded Investment			Unpaid Principal Balance			Average Recorded Investment			Interest Recognized
		(Dollars in Thousands)
Loans with No Related Allowance
Domestic
Commercial		$	17,005		$	17,023		$	16,778		$	2
Commercial real estate: other construction & land development			7,158			7,187			18,164			74
Commercial real estate: farmland & commercial			8,779			9,949			7,313			—
Commercial real estate: multifamily			295			295			322			—
Residential: first lien			6,153			6,258			4,860			179
Residential: junior lien			3,206			3,226			2,347			99
Consumer			1,606			1,612			1,380			1
Foreign			436			436			452			19
​	​	​	​	​	​	​	​	​	​	​	​	​	​
Total impaired loans with no related allowance		$	44,638		$	45,986		$	51,616		$	374
​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	​	​	​	​	​	​

Loans accounted for as trouble debt restructuring, by loan class

		December 31, 2014			December 31, 2013
		(Dollars in Thousands)
Domestic
Commercial		$	2,500		$	150
Commercial real estate: other construction & land development			2,254			8,860
Commercial real estate: farmland & commercial			2,861			2,863
Residential: first lien			5,313			4,887
Residential: junior lien			1,371			1,631
Consumer			1,354			1,531
Foreign			—			436
​	​	​	​	​	​	​	​
Total troubled debt restructuring		$	15,653		$	20,358
​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​

Information regarding the aging of past due loans, by loan class

		December 31, 2014
		30 - 59 Days			60 - 89 Days			90 Days or Greater			90 Days or greater & still accruing			Total Past due			Current			Total Portfolio
		(Dollars in Thousands)
Domestic
Commercial		$	4,103		$	2,665		$	40,665		$	2,890		$	47,433		$	1,042,053		$	1,089,486
Commercial real estate: other construction & land development			596			10			8,707			439			9,313			1,405,664			1,414,977
Commercial real estate: farmland & commercial			2,905			7,131			10,724			1,711			20,760			1,880,639			1,901,399
Commercial real estate: multifamily			351			—			856			21			1,207			115,492			116,699
Residential: first lien			5,895			1,864			4,267			3,901			12,026			410,000			422,026
Residential: junior lien			899			231			1,931			431			3,061			485,239			488,300
Consumer			896			216			507			482			1,619			59,518			61,137
Foreign			1,616			98			113			113			1,827			183,394			185,221
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Total past due loans		$	17,261		$	12,215		$	67,770		$	9,988		$	97,246		$	5,581,999		$	5,679,245
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​

		December 31, 2013
		30 - 59 Days			60 - 89 Days			90 Days or Greater			90 Days or greater & still accruing			Total Past due			Current			Total Portfolio
		(Dollars in Thousands)
Domestic
Commercial		$	4,240		$	538		$	36,066		$	2,051		$	40,844		$	1,001,798		$	1,042,642
Commercial real estate: other construction & land development			1,042			—			9,942			62			10,984			1,197,524			1,208,508
Commercial real estate: farmland & commercial			6,216			520			6,990			417			13,726			1,736,313			1,750,039
Commercial real estate: multifamily			39			142			295			—			476			101,622			102,098
Residential: first lien			4,758			3,046			4,541			3,518			12,345			426,117			438,462
Residential: junior lien			606			198			1,900			368			2,704			406,526			409,230
Consumer			1,523			469			803			781			2,795			63,619			66,414
Foreign			1,467			417			—			—			1,884			179,958			181,842
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Total past due loans		$	19,891		$	5,330		$	60,537		$	7,197		$	85,758		$	5,113,477		$	5,199,235
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​

Summary of the loan portfolio by credit quality indicator, by loan class

					December 31, 2014
		Pass			Special Review			Watch List—Pass			Watch List— Substandard			Watch List— Impaired
					(Dollars in Thousands)
Domestic
Commercial		$	961,490		$	38,382		$	3,793		$	45,646		$	40,175
Commercial real estate: other construction & land development			1,353,971			1,005			10,428			38,697			10,876
Commercial real estate: farmland & commercial			1,754,741			11,674			23,453			97,365			14,166
Commercial real estate: multifamily			115,729			—			—			135			835
Residential: first lien			412,668			3,500			—			18			5,840
Residential: junior lien			484,968			—			—			437			2,895
Consumer			59,622			—			—			131			1,384
Foreign			185,221			—			—			—			—
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Total		$	5,328,410		$	54,561		$	37,674		$	182,429		$	76,171
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​

					December 31, 2013
		Pass			Special Review			Watch List—Pass			Watch List— Substandard			Watch List— Impaired
					(Dollars in Thousands)
Domestic
Commercial		$	955,522		$	2,270		$	4,389		$	46,278		$	34,183
Commercial real estate: other construction & land development			1,167,295			14,247			9,318			3,672			13,976
Commercial real estate: farmland & commercial			1,635,179			56,438			21,912			20,472			16,038
Commercial real estate: multifamily			100,948			—			—			855			295
Residential: first lien			432,067			122			—			120			6,153
Residential: junior lien			405,731			—			—			293			3,206
Consumer			64,808			—			—			—			1,606
Foreign			180,837			—			—			569			436
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
Total		$	4,942,387		$	73,077		$	35,619		$	72,259		$	75,893
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​
​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​	​

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- Definition

Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

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-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 29

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953659-111524



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-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 55

-Paragraph 19

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Tabular disclosure of impaired financing receivables.

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-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5111-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

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-Section 50

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- Definition

Tabular disclosure of the activity in the total allowance for credit losses related to financing receivables (such as loans or lease receivables) for entities that have an unclassified balance sheet, including the balance in the allowance at the beginning and end of each period, additions charged to operations, direct write-downs charged against the allowance, and recoveries of amounts previously charged off.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-Subparagraph (c)

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

+ Details

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- Definition

Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5111-111524

+ Details

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X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 34

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953682-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524

+ Details

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