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Loans and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2013

Loans and Allowance for Loan Losses [Abstract]

Schedule of loans outstanding by category

The following is a schedule of loans outstanding by category:

		March 31, 2013								December 31, 2012								March 31, 2012
		Amount				Percent				Amount				Percent				Amount				Percent
		(Dollars in thousands)
Commercial and industrial		$	518,438				16.10	%		$	559,274				17.25	%		$	526,028				17.25	%
Oil & gas production & equipment			154,392				4.79				154,380				4.76				129,710				4.25
Agriculture			96,094				2.98				93,274				2.88				90,659				2.97
State and political subdivisions:
Taxable			9,272				0.29				9,412				0.29				7,332				0.24
Tax-exempt			13,034				0.41				13,194				0.41				15,810				0.52
Real estate:
Construction			231,770				7.20				226,102				6.97				200,609				6.58
Farmland			124,347				3.86				125,033				3.86				107,751				3.53
One to four family residences			680,129				21.12				669,230				20.64				660,725				21.67
Multifamily residential properties			47,506				1.48				50,721				1.56				40,164				1.32
Commercial			1,084,864				33.69				1,068,445				32.95				1,004,596				32.94
Consumer			240,600				7.47				253,002				7.80				244,171				8.01
Other (not classified above)			19,521				0.61				20,360				0.63				21,821				0.72
Total loans		$	3,219,967				100.00	%		$	3,242,427				100.00	%		$	3,049,376				100.00	%
Loans held for sale (included above)		$	10,287							$	13,661							$	15,585

Summary of nonperforming and restructured assets

The following table is a summary of nonperforming and restructured assets:

		March 31,				December 31,				March 31,
		2013				2012				2012
		(Dollars in thousands)
Past due 90 days or more and still accruing		$	542			$	537			$	1,150
Nonaccrual			20,933				20,549				20,721
Restructured			17,792				17,866				18,483
Total nonperforming and restructured loans			39,267				38,952				40,354
Other real estate owned and repossessed assets			9,424				9,566				12,408
Total nonperforming and restructured assets		$	48,691			$	48,518			$	52,762
Nonperforming and restructured loans to total loans			1.22	%			1.20	%			1.32	%
Nonperforming and restructured assets to total assets			0.84	%			0.81	%			0.92	%

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.

		March 31, 2013				March 31, 2012
		(Dollars in thousands)
Non-residential real estate		$	9,666			$	9,768
Residential real estate			4,335				4,754
Non-consumer non-real estate			1,449				1,425
Consumer non-real estate			187				143
Other loans			3,052				1,464
Acquired loans			2,244				3,167
Total		$	20,933			$	20,721

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 March 31, 2013
Non-residential real estate		$	3,293			$	1,945			$	5,238			$	1,238,804			$	1,244,042			$	18
Residential real estate			4,438				868				5,306				768,487				773,793				268
Non-consumer non-real estate			2,100				214				2,314				748,287				750,601				74
Consumer non-real estate			1,994				184				2,178				209,142				211,320				126
Other loans			2,152				1,406				3,558				140,468				144,026				—
Acquired loans			1,993				328				2,321				93,864				96,185				56
Total		$	15,970			$	4,945			$	20,915			$	3,199,052			$	3,219,967			$	542
As of March 31, 2012
Non-residential real estate		$	3,924			$	849			$	4,773			$	1,097,141			$	1,101,914			$	192
Residential real estate			3,218				1,915				5,133				690,937				696,070				436
Non-consumer non-real estate			1,311				633				1,944				723,144				725,088				132
Consumer non-real estate			1,767				220				1,987				198,221				200,208				195
Other loans			1,414				1,352				2,766				160,722				163,488				59
Acquired loans			2,707				934				3,641				158,967				162,608				136
Total		$	14,341			$	5,903			$	20,244			$	3,029,132			$	3,049,376			$	1,150

Impaired loans, segregated by class of loans

The following table presents impaired loans, segregated by class of loans.

		Impaired Loans
		Unpaid Principal Balance				Recorded Investment with  Allowance				Related Allowance				Average Recorded Investment
		(Dollars in thousands)
As of March 31, 2013
Non-residential real estate		$	27,949			$	26,417			$	2,185			$	26,814
Residential real estate			6,079				5,472				1,337				4,847
Non-consumer non-real estate			1,899				1,565				452				2,249
Consumer non-real estate			441				421				96				408
Other loans			3,736				3,094				267				2,648
Acquired loans			10,311				8,261				41				8,893
Total		$	50,415			$	45,230			$	4,378			$	45,859
As of March 31, 2012
Non-residential real estate		$	28,420			$	27,558			$	2,235			$	22,887
Residential real estate			6,185				5,695				1,432				5,557
Non-consumer non-real estate			2,062				1,748				605				1,664
Consumer non-real estate			567				477				65				452
Other loans			1,880				1,524				320				2,666
Acquired loans			16,850				14,173				275				15,780
Total		$	55,964			$	51,175			$	4,932			$	49,006

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 March 31, 2013
Non-residential real estate		$	1,043,069			$	165,295			$	25,994			$	9,684			$	—			$	1,244,042
Residential real estate			670,352				84,644				14,140				4,657				—				773,793
Non-consumer non-real estate			647,162				97,110				4,800				1,529				—				750,601
Consumer non-real estate			198,107				10,912				1,923				374				4				211,320
Other loans			139,696				2,304				1,103				923				—				144,026
Acquired loans			74,939				14,936				4,009				2,301				—				96,185
Total		$	2,773,325			$	375,201			$	51,969			$	19,468			$	4			$	3,219,967
As of March 31, 2012
Non-residential real estate.		$	951,016			$	112,408			$	28,721			$	9,769			$	—			$	1,101,914
Residential real estate			591,818				83,250				15,579				5,423				—				696,070
Non-consumer non-real estate			636,582				79,548				7,480				1,478				—				725,088
Consumer non-real estate			187,999				9,690				2,132				387				—				200,208
Other loans			158,729				2,775				1,725				259				—				163,488
Acquired loans			119,165				31,319				8,901				3,223				—				162,608
Total		$	2,645,309			$	318,990			$	64,538			$	20,539			$	—			$	3,049,376

Activity in ALLL by class of loans

The following table details activity in the ALLL by class of loans for the period presented.

		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)
Three Months Ended March 31, 2013
Allowance for loan losses:
Balance at December 31, 2012		$	14,969			$	9,815			$	9,385			$	2,451			$	1,885			$	220			$	38,725
Charge-offs			(18	)			(151	)			(36	)			(140	)			(139	)			(49	)			(533	)
Recoveries			19				13				31				76				—				33				172
Net charge-offs			1				(138	)			(5	)			(64	)			(139	)			(16	)			(361	)
Provisions charged to operations			361				244				(398	)			(3	)			76				20				300
Balance at March 31, 2013		$	15,331			$	9,921			$	8,982			$	2,384			$	1,822			$	224			$	38,664
Allowance for loan losses-ending balances:
Individually evaluated for impairment		$	2,694			$	2,123			$	1,211			$	290			$	199			$	—			$	6,517
Collectively evaluated for impairment			12,637				7,798				7,771				2,094				1,623				224				32,147
Balance at March 31, 2013		$	15,331			$	9,921			$	8,982			$	2,384			$	1,822			$	224			$	38,664
Loans-Ending balances:
Individually evaluated for impairment		$	35,678			$	18,797			$	6,329			$	2,301			$	246			$	—			$	63,351
Collectively evaluated for impairment			1,208,364				754,996				744,272				209,019				143,780				89,875				3,150,306
Loans acquired with deteriorated credit quality			—				—				—				—				—				6,310				6,310
Balance at March 31, 2013		$	1,244,042			$	773,793			$	750,601			$	211,320			$	144,026			$	96,185			$	3,219,967
Three Months Ended March 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			(121	)			(36	)			(17	)			(114	)			(180	)			(64	)			(532	)
Recoveries			37				96				98				84				19				2				336
Net charge-offs			(84	)			60				81				(30	)			(161	)			(62	)			(196	)
Provisions charged to operations			245				(62	)			(39	)			(2	)			125				(94	)			173
Balance at March 31, 2012		$	14,109			$	9,762			$	9,198			$	2,283			$	1,850			$	431			$	37,633
Allowance for loan losses-ending balances:
Individually evaluated for impairment		$	3,085			$	2,692			$	1,741			$	300			$	183			$	—			$	8,001
Collectively evaluated for impairment			11,024				7,070				7,457				1,983				1,667				431				29,632
Balance at March 31, 2012		$	14,109			$	9,762			$	9,198			$	2,283			$	1,850			$	431			$	37,633
Loans-Ending balances:
Individually evaluated for impairment		$	38,489			$	21,002			$	8,958			$	2,519			$	147			$	—			$	71,115
Collectively evaluated for impairment			1,063,425				675,068				716,130				197,689				163,341				150,484				2,966,137
Loans acquired with deteriorated credit quality			—				—				—				—				—				12,124				12,124
Balance at March 31, 2012		$	1,101,914			$	696,070			$	725,088			$	200,208			$	163,488			$	162,608			$	3,049,376

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:

		Three Months Ended March  31,
		2013				2012
		(Dollars in thousands)
Other real estate owned		$	436			$	659
Repossessed assets			209				180
Total		$	645			$	839

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