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Allowance for Probable Loan Losses (Tables)

3 Months Ended

Mar. 31, 2015

Allowance for Probable Loan Losses

Summary of the transactions in the allowance for probable loan losses by loan class

		Three Months Ended March 31, 2015
		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,		$	22,352		$	12,955		$	18,683		$	846		$	3,589		$	4,683		$	660		$	1,060		$	64,828
Losses charge to allowance		(2,309		)	—			(17		)	—			(90		)	(97		)	(174		)	—			(2,687		)
Recoveries credited to allowance		796			1			806			—			14			106			6			4			1,733
Net (losses) gains charged to allowance		(1,513		)	1			789			—			(76		)	9			(168		)	4			(954		)
Provision(credit) charged to operations		2,680			1,413			(1,496		)	(6		)	60			(431		)	152			5			2,377
Balance at March 31,		$	23,519		$	14,369		$	17,976		$	840		$	3,573		$	4,261		$	644		$	1,069		$	66,251

		Three Months Ended March 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		(2,481		)	—			—			—			(27		)	(146		)	(187		)	(3		)	(2,844		)
Recoveries credited to allowance		796			31			23			—			4			33			80			46			1,013
Net (losses) gains charged to allowance		(1,685		)	31			23			—			(23		)	(113		)	(107		)	43			(1,831		)
Provision (credit) charged to operations		7,175			903			(5,556		)	43			(265		)	(168		)	105			(159		)	2,078
Balance at March 31,		$	27,923		$	13,475		$	18,934		$	819		$	3,524		$	3,968		$	748		$	1,017		$	70,408

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

		March 31, 2015
		(Dollars in Thousands)
		Loans Individually Evaluated for Impairment						Loans Collectively Evaluated for Impairment
		Recorded Investment			Allowance			Recorded Investment			Allowance
Domestic
Commercial		$	41,255		$	10,790		$	1,052,028		$	12,729
Commercial real estate: other construction & land development		9,932			1,956			1,512,639			12,413
Commercial real estate: farmland & commercial		13,467			978			1,882,526			16,998
Commercial real estate: multifamily		841			—			104,405			840
Residential: first lien		5,293			—			418,515			3,573
Residential: junior lien		1,369			—			491,761			4,261
Consumer		1,188			—			58,066			644
Foreign		405			—			185,052			1,069
Total		$	73,750		$	13,724		$	5,704,992		$	52,527

		December 31, 2014
		(Dollars in Thousands)
		Loans Individually Evaluated for Impairment						Loans Collectively Evaluated for Impairment
		Recorded Investment			Allowance			Recorded Investment			Allowance
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

Loans accounted on non-accrual basis, by loan class

		March 31, 2015			December 31, 2014
		(Dollars in Thousands)
Domestic
Commercial		$	41,201		$	40,121
Commercial real estate: other construction & land development		7,677			8,621
Commercial real estate: farmland & commercial		11,204			11,903
Commercial real estate: multifamily		821			835
Residential: first lien		372			527
Residential: junior lien		22			1,523
Consumer		21			29
Foreign		—			—
Total non-accrual loans		$	61,318		$	63,559

Impaired loans, by loan class

		March 31, 2015
		Recorded Investment			Unpaid Principal Balance			Related Allowance			Average Recorded Investment			Interest Recognized
		(Dollars in Thousands)
Loans with Related Allowance
Domestic
Commercial		$	21,865		$	21,979		$	10,790		$	20,623		$	—
Commercial real estate: other construction & land development		6,323			6,546			1,956			6,323			—
Commercial real estate: farmland & commercial		5,074			5,257			978			5,088			23
Total impaired loans with related allowance		$	33,262		$	33,782		$	13,724		$	32,034		$	23

		March 31, 2015
		Recorded  Investment			Unpaid Principal  Balance			Average  Recorded  Investment			Interest  Recognized
		(Dollars in Thousands)
Loans with No Related Allowance
Domestic
Commercial		$	19,390		$	19,410		$	19,737		$	1
Commercial real estate: other construction & land development		3,609			3,708			3,610			19
Commercial real estate: farmland & commercial		8,393			9,315			8,868			—
Commercial real estate: multifamily		841			841			846			—
Residential: first lien		5,293			5,345			5,357			62
Residential: junior lien		1,369			1,390			1,374			20
Consumer		1,188			1,190			1,189			1
Foreign		405			405			407			4
Total impaired loans with no related allowance		$	40,488		$	41,604		$	41,388		$	107

		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

		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

Loans accounted for as trouble debt restructuring, by loan class

		March 31, 2015			December 31, 2014
		(Dollars in Thousands)
Domestic
Commercial		$	2,464		$	2,500
Commercial real estate: other construction & land development		2,254			2,254
Commercial real estate: farmland & commercial		2,853			2,861
Commercial real estate: multifamily		21			—
Residential: first lien		4,921			5,313
Residential: junior lien		1,347			1,371
Consumer		1,167			1,354
Foreign		405			—
Total troubled debt restructuring		$	15,432		$	15,653

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

		March 31, 2015
		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		$	8,388		$	2,950		$	35,685		$	595		$	47,023		$	1,046,260		$	1,093,283
Commercial real estate: other construction & land development		1,222			580			7,432			51			9,234			1,513,337			1,522,571
Commercial real estate: farmland & commercial		8,229			3,446			6,267			866			17,962			1,878,031			1,895,993
Commercial real estate: multifamily		204			—			976			156			1,180			104,066			105,246
Residential: first lien		3,382			1,635			4,460			4,214			9,477			414,331			423,808
Residential: junior lien		989			173			538			538			1,700			491,430			493,130
Consumer		560			242			337			319			1,139			58,115			59,254
Foreign		1,416			224			269			269			1,909			183,548			185,457
Total past due loans		$	24,390		$	9,270		$	55,964		$	7,008		$	89,624		$	5,689,118		$	5,778,742

		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

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

		March 31, 2015
		Pass			Special  Review			Watch List - Pass			Watch List - Substandard			Watch List - Impaired
		(Dollars in Thousands)
Domestic
Commercial		$	967,008		$	38,461		$	4,505		$	42,054		$	41,255
Commercial real estate: other construction & land development		1,462,611			993			10,421			38,614			9,932
Commercial real estate: farmland & commercial		1,754,758			11,502			20,263			96,003			13,467
Commercial real estate: multifamily		104,270			—			—			135			841
Residential: first lien		415,011			3,487			—			17			5,293
Residential: junior lien		491,494			—			—			267			1,369
Consumer		58,066			—			—			—			1,188
Foreign		185,052			—			—			—			405
Total		$	5,438,270		$	54,443		$	35,189		$	177,090		$	73,750

		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

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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.

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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.

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