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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2012

Loans and Allowance for Loan Losses [Abstract]

Schedule of loans outstanding by category

The following is a schedule of loans outstanding by category:

		December 31,
		2012								2011
		Amount				Percent				Amount				Percent
		(Dollars in thousands)
Commercial and industrial		$	559,274				17.25	%		$	547,942				18.19	%
Oil & gas production & equipment			154,380				4.76				115,786				3.84
Agriculture			93,274				2.88				86,297				2.86
State and political subdivisions:
Taxable			9,412				0.29				6,939				0.23
Tax-exempt			13,194				0.41				17,070				0.57
Real estate:
Construction			226,102				6.97				207,953				6.90
Farmland			125,033				3.86				103,923				3.45
One to four family residences			669,230				20.64				655,134				21.74
Multifamily residential properties			50,721				1.56				37,734				1.25
Commercial			1,068,445				32.95				960,074				31.86
Consumer			253,002				7.80				252,331				8.37
Other (not classified above)			20,360				0.63				22,315				0.74
Total loans		$	3,242,427				100.00	%		$	3,013,498				100.00	%
Loans held for sale (included above)		$	13,661							$	12,126

Summary of nonperforming and restructured assets

The following is a summary of nonperforming and restructured assets:

		December 31,
		2012				2011
		(Dollars in thousands)
Past due 90 days or more and still accruing		$	537			$	798
Nonaccrual			20,549				21,187
Restructured			17,866				1,041
Total nonperforming and restructured loans			38,952				23,026
Other real estate owned and repossessed assets			9,566				16,640
Total nonperforming and restructured assets		$	48,518			$	39,666
Nonperforming and restructured loans to total loans			1.20	%			0.76	%
Nonperforming and restructured assets to total assets			0.81	%			0.71	%

Summary of amounts included in nonaccrual loans segregated by class of loans

The following table is a summary of amounts included in nonaccrual loans, segregated by class of loans. Residential real estate refers to one-to-four family real estate.

		December 31,
		2012				2011
		(Dollars in thousands)
Non-residential real estate		$	9,878			$	8,576
Residential real estate			3,750				4,798
Non-consumer non-real estate			1,464				1,214
Consumer non-real estate			137				161
Other loans			2,519				3,247
Acquired loans			2,801				3,191
Total		$	20,549			$	21,187

Age analysis of past due loans segregated by class of loans

The following table presents an age analysis of past due loans, segregated by class of loans:

		Age Analysis of Past Due Receivables
		30-89 Days Past Due				90 Days and Greater				Total Past Due Loans				Current Loans				Total Loans				Accruing Loans 90 Days or More Past Due
		(Dollars in thousands)
As of December 31, 2012
Non-residential real estate		$	4,364			$	2,331			$	6,695			$	1,215,550			$	1,222,245				64
Residential real estate			4,664				1,213				5,877				749,056				754,933				247
Non-consumer non-real estate			1,672				298				1,970				783,153				785,123				28
Consumer non-real estate			2,624				179				2,803				218,944				221,747				136
Other loans			1,348				1,266				2,614				147,283				149,897				—
Acquired loans			1,481				533				2,014				106,468				108,482				62
Total		$	16,153			$	5,820			$	21,973			$	3,220,454			$	3,242,427				537
As of December 31, 2011
Non-residential real estate		$	18,678			$	755			$	19,433			$	1,031,765			$	1,051,198				—
Residential real estate			4,760				1,769				6,529				688,094				694,623				375
Non-consumer non-real estate			2,424				252				2,676				724,014				726,690				24
Consumer non-real estate			2,416				254				2,670				197,546				200,216				241
Other loans			2,366				2,774				5,140				153,903				159,043				60
Acquired loans			2,325				963				3,288				178,440				181,728				98
Total		$	32,969			$	6,767			$	39,736			$	2,973,762			$	3,013,498				798

Impaired loans, segregated by class of loans

The following table presents impaired loans, segregated by class of loans. No material amount of interest income was recognized on impaired loans subsequent to their classification as impaired.

		Impaired Loans
		Unpaid Principal Balance				Recorded Investment with Allowance				Related Allowance				Average Recorded Investment
		(Dollars in thousands)
As of December 31, 2012
Non-residential real estate		$	28,098			$	26,682			$	2,211			$	23,283
Residential real estate			5,469				4,913				1,328				5,185
Non-consumer non-real estate			1,949				1,539				439				1,641
Consumer non-real estate			419				398				87				357
Other loans			2,957				2,561				344				2,323
Acquired loans			11,080				9,080				83				9,730
Total		$	49,972			$	45,173			$	4,492			$	42,519
As of December 31, 2011
Non-residential real estate		$	9,311			$	8,576			$	952			$	9,583
Residential real estate			5,526				4,798				1,331				6,040
Non-consumer non-real estate			1,535				1,214				282				1,584
Consumer non-real estate			196				161				24				195
Other loans			3,345				3,247				405				4,086
Acquired loans			4,513				3,191				20				3,289
Total		$	24,426			$	21,187			$	3,014			$	24,777

Internal loan grading by class of loans

The following table presents internal loan grading by class of loans:

		Internal Loan Grading
		Grade
		1				2				3				4				5				Total
		(Dollars in thousands)
As of December 31, 2012
Non-residential real estate		$	1,020,247			$	165,232			$	27,110			$	9,656			$	—			$	1,222,245
Residential real estate			648,877				86,564				15,382				4,110				—				754,933
Non-consumer non-real estate			684,740				92,784				6,084				1,515				—				785,123
Consumer non-real estate			209,182				10,305				1,904				356				—				221,747
Other loans			145,239				2,575				1,172				911				—				149,897
Acquired loans			83,015				18,124				4,478				2,865				—				108,482
Total		$	2,791,300			$	375,584			$	56,130			$	19,413			$	—			$	3,242,427
As of December 31, 2011
Non-residential real estate		$	907,687			$	104,614			$	30,519			$	8,378			$	—			$	1,051,198
Residential real estate			599,337				74,480				15,567				5,239				—				694,623
Non-consumer non-real estate			626,735				91,497				7,399				1,059				—				726,690
Consumer non-real estate			188,180				9,229				2,431				376				—				200,216
Other loans			152,798				2,546				1,653				2,046				—				159,043
Acquired loans			131,534				37,192				9,581				3,421				—				181,728
Total		$	2,606,271			$	319,558			$	67,150			$	20,519			$	—			$	3,013,498

Activity in ALLL by class of loans

The following table details activity in the ALLL by class of loans for the period presented. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

		ALLL
		Non-Residential Real Estate				Residential Real Estate				Non- Consumer Non-Real Estate				Consumer Non-Real Estate				Other Loans				Acquired Loans				Total
		(Dollars in thousands)
As of December 31, 2012
Allowance for loan losses:
Balance at December 31, 2011		$	13,948			$	9,764			$	9,156			$	2,315			$	1,886			$	587			$	37,656
Charge-offs			(291	)			(616	)			(590	)			(509	)			(265	)			(373	)			(2,644	)
Recoveries			56				134				171				194				34				24				613
Net charge-offs			(235	)			(482	)			(419	)			(315	)			(231	)			(349	)			(2,031	)
Provisions charged to operations			1,256				533				648				451				230				(18	)			3,100
Balance at December 31, 2012		$	14,969			$	9,815			$	9,385			$	2,451			$	1,885			$	220			$	38,725
Allowance for loan losses—ending balances:
Individually evaluated for impairment		$	2,759			$	2,303			$	1,403			$	287			$	253			$	—			$	7,005
Collectively evaluated for impairment			12,210				7,512				7,982				2,164				1,632				220				31,720
Balance at December 31, 2012		$	14,969			$	9,815			$	9,385			$	2,451			$	1,885			$	220			$	38,725
Loans-ending balances:
Individually evaluated for impairment		$	36,765			$	19,492			$	7,599			$	2,260			$	235			$	—			$	66,351
Collectively evaluated for impairment			1,185,480				735,441				777,524				219,487				149,662				101,139				3,168,733
Loans acquired with deteriorated credit quality			—				—				—				—				—				7,343				7,343
Balance at December 31, 2012		$	1,222,245			$	754,933			$	785,123			$	221,747			$	149,897			$	108,482			$	3,242,427
As of December 31, 2011
Allowance for loan losses:
Balance at December 31, 2010		$	13,142			$	8,957			$	9,587			$	2,301			$	1,758			$	—			$	35,745
Charge-offs			(353	)			(752	)			(524	)			(652	)			(270	)			(546	)			(3,097	)
Recoveries			23				141				156				120				28				25				493
Net charge-offs			(330	)			(611	)			(368	)			(532	)			(242	)			(521	)			(2,604	)
Provisions charged to operations			1,136				1,418				(63	)			546				370				1,108				4,515
Balance at December 31, 2011		$	13,948			$	9,764			$	9,156			$	2,315			$	1,886			$	587			$	37,656
Allowance for loan losses—ending balances:
Individually evaluated for impairment		$	3,295			$	2,636			$	1,445			$	328			$	254			$	—			$	7,958
Collectively evaluated for impairment			10,653				7,128				7,711				1,987				1,632				587				29,698
Balance at December 31, 2011		$	13,948			$	9,764			$	9,156			$	2,315			$	1,886			$	587			$	37,656
Loans-ending balances:
Individually evaluated for impairment		$	38,897			$	20,806			$	8,458			$	2,807			$	261			$	—			$	71,229
Collectively evaluated for impairment			1,012,301				673,817				718,232				197,409				158,782				168,726				2,929,267
Loans acquired with deteriorated credit quality			—				—				—				—				—				13,002				13,002
Balance at December 31, 2011		$	1,051,198			$	694,623			$	726,690			$	200,216			$	159,043			$	181,728			$	3,013,498

ALLL for impaired loans with specific reserves

The following table is a summary of amounts included in the ALLL for impaired loans with specific reserves and the recorded balance of the related loans. No material amounts of interest income were collected on impaired loans with specific reserves for 2012, 2011 or 2010.

		Year Ended December 31,
		2012				2011				2010
		(Dollars in thousands)
Allowance for loss on impaired loans		$	3,252			$	2,779			$	3,040
Recorded balance of impaired loans			12,313				13,437				10,510
Average recorded investment			12,875				11,974				8,967

Transfers from loans to other real estate owned and repossessed assets

Transfers from loans to other real estate owned and repossessed assets during the periods presented are summarized as follows:

		Year Ended December 31,
		2012				2011
		(Dollars in thousands)
Other real estate owned		$	2,543			$	5,091
Repossessed assets			1,034				1,460
Total		$	3,577			$	6,551

Related Party Loans

A summary of these loans is as follows:

Year Ended December 31,		Balance Beginning of the Period				Additions				Collections/ Terminations				Balance End of the Period
(Dollars in thousands)
2012		$	25,264			$	24,706			$	(20,940	)		$	29,030
2011		$	21,287			$	8,162			$	(4,185	)		$	25,264
2010		$	20,222			$	36,968			$	(35,903	)		$	21,287

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