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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

9 Months Ended

Sep. 30, 2013

Receivables [Abstract]

Schedule of Loans Outstanding by Category

The following is a schedule of loans outstanding by category:

		September 30, 2013								December 31, 2012								September 30, 2012
		Amount				Percent				Amount				Percent				Amount				Percent
		(Dollars in thousands)
Commercial and industrial		$	566,670				16.87	%		$	559,274				17.25	%		$	541,130				17.37	%
Oil & gas production & equipment			139,605				4.16				154,380				4.76				131,642				4.22
Agriculture			89,258				2.66				93,274				2.88				83,146				2.67
State and political subdivisions:
Taxable			10,248				0.31				9,412				0.29				7,786				0.25
Tax-exempt			12,232				0.36				13,194				0.41				13,749				0.44
Real estate:
Construction			283,468				8.44				226,102				6.97				211,505				6.79
Farmland			133,397				3.97				125,033				3.86				114,043				3.66
One to four family residences			696,651				20.74				669,230				20.64				674,457				21.64
Multifamily residential properties			57,825				1.72				50,721				1.56				50,659				1.63
Commercial			1,100,544				32.76				1,068,445				32.95				1,026,097				32.93
Consumer			248,025				7.38				253,002				7.80				241,864				7.76
Other (not classified above)			21,015				0.63				20,360				0.63				20,018				0.64
Total loans		$	3,358,938				100.00	%		$	3,242,427				100.00	%		$	3,116,096				100.00	%
Loans held for sale (included above)		$	4,934							$	11,257							$	13,384

Summary of Nonperforming and Restructured Assets

The following is a summary of nonperforming and restructured assets:

		September 30, 2013				December 31, 2012				September 30, 2012
		(Dollars in thousands)
Past due 90 days or more and still accruing		$	1,266			$	537			$	731
Nonaccrual			15,094				20,549				22,101
Restructured			18,028				17,866				17,784
Total nonperforming and restructured loans			34,388				38,952				40,616
Other real estate owned and repossessed assets			8,428				9,566				9,796
Total nonperforming and restructured assets		$	42,816			$	48,518			$	50,412
Nonperforming and restructured loans to total loans			1.02	%			1.20	%			1.30	%
Nonperforming and restructured assets to total assets			0.72	%			0.81	%			0.86	%

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.

		September 30, 2013				September 30, 2012
		(Dollars in thousands)
Non-residential real estate owner occupied		$	551			$	5,605
Non-residential real estate other			6,784				3,719
Residential real estate permanent mortgage			714				585
Residential real estate all other			1,865				3,594
Non-consumer non-real estate			1,280				2,527
Consumer non-real estate			124				138
Other loans			1,446				2,221
Acquired loans			2,330				3,712
Total		$	15,094			$	22,101

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 Loans
		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 September 30, 2013
Non-residential real estate owner occupied		$	779			$	326			$	1,105			$	458,241			$	459,346			$	308
Non-residential real estate other			6,046				1,925				7,971				869,531				877,502				51
Residential real estate permanent mortgage			2,017				492				2,509				253,708				256,217				217
Residential real estate all other			1,900				1,401				3,301				547,849				551,150				32
Non-consumer non-real estate			889				1,013				1,902				776,576				778,478				138
Consumer non-real estate			2,179				194				2,373				222,122				224,495				187
Other loans			1,531				1,275				2,806				136,060				138,866				236
Acquired loans			1,194				473				1,667				71,217				72,884				97
Total		$	16,535			$	7,099			$	23,634			$	3,335,304			$	3,358,938			$	1,266

As of September 30, 2012
Non-residential real estate owner occupied		$	915			$	466			$	1,381			$	480,319			$	481,700			$	349
Non-residential real estate other			646				1,959				2,605				665,265				667,870				—
Residential real estate permanent mortgage			2,058				399				2,457				242,209				244,666				12
Residential real estate all other			1,635				771				2,406				490,726				493,132				86
Non-consumer non-real estate			4,233				135				4,368				729,538				733,906				7
Consumer non-real estate			2,050				230				2,280				205,463				207,743				170
Other loans			1,706				1,447				3,153				147,329				150,482				43
Acquired loans			1,219				1,061				2,280				134,317				136,597				64
Total		$	14,462			$	6,468			$	20,930			$	3,095,166			$	3,116,096			$	731

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 September 30, 2013
Non-residential real estate owner occupied		$	993			$	924			$	34			$	700
Non-residential real estate other			25,724				24,216				2,240				25,871
Residential real estate permanent mortgage			1,263				1,068				57				1,298
Residential real estate all other			2,423				2,020				381				3,668
Non-consumer non-real estate			1,931				1,599				396				1,508
Consumer non-real estate			413				394				67				444
Other loans			1,905				1,782				300				1,911
Acquired loans			9,879				7,853				95				8,109
Total		$	44,531			$	39,856			$	3,570			$	43,509
As of September 30, 2012
Non-residential real estate owner occupied		$	7,058			$	6,094			$	232			$	6,237
Non-residential real estate other			20,535				20,340				1,581				20,496
Residential real estate permanent mortgage			1,299				1,089				30				1,184
Residential real estate all other			4,365				4,047				1,344				4,149
Non-consumer non-real estate			3,144				2,539				677				1,745
Consumer non-real estate			447				424				77				364
Other loans			2,420				2,265				264				1,975
Acquired loans			12,872				10,684				71				11,451
Total		$	52,140			$	47,482			$	4,276			$	47,601

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 September 30, 2013
Non-residential real estate owner occupied		$	388,923			$	64,418			$	5,189			$	816			$	—			$	459,346
Non-residential real estate other			714,670				134,760				21,237				6,835				—				877,502
Residential real estate permanent mortgage			224,518				25,091				5,574				1,034				—				256,217
Residential real estate all other			457,649				82,827				8,721				1,953				—				551,150
Non-consumer non-real estate			681,695				91,108				4,254				1,421				—				778,478
Consumer non-real estate			210,285				11,760				2,047				403				—				224,495
Other loans			135,169				2,646				738				313				—				138,866
Acquired loans			53,364				12,707				4,207				2,606				—				72,884
Total		$	2,866,273			$	425,317			$	51,967			$	15,381			$	—			$	3,358,938
As of September 30, 2012
Non-residential real estate owner occupied		$	420,426			$	49,131			$	6,189			$	5,954			$	—			$	481,700
Non-residential real estate other			564,180				78,637				21,334				3,719				—				667,870
Residential real estate permanent mortgage			206,702				31,558				5,547				859				—				244,666
Residential real estate all other			429,862				50,412				9,120				3,738				—				493,132
Non-consumer non-real estate			644,066				80,863				6,500				2,477				—				733,906
Consumer non-real estate			195,242				10,185				1,965				349				2				207,743
Other loans			146,037				2,726				887				832				—				150,482
Acquired loans			103,411				24,243				5,006				3,898				39				136,597
Total		$	2,709,926			$	327,755			$	56,548			$	21,826			$	41			$	3,116,096

Activity in Alll by Class of Loans

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

		ALL
		Balance at beginning of period				Charge- offs				Recoveries				Net charge -offs				Provisions charged to operations				Balance at end of period
		(Dollars in thousands)
Three Months Ended September 30, 2013
Non-residential real estate owner occupied		$	4,714			$	(1	)		$	—			$	(1	)		$	144			$	4,857
Non-residential real estate other			10,866				—				2				2				404				11,272
Residential real estate permanent mortgage			2,733				(30	)			12				(18	)			7				2,722
Residential real estate all other			7,349				(23	)			3				(20	)			(722	)			6,607
Non-consumer non-real estate			8,751				(34	)			110				76				36				8,863
Consumer non-real estate			2,389				(163	)			65				(98	)			207				2,498
Other loans			1,961				(76	)			24				(52	)			36				1,945
Acquired loans			219				(3	)			3				—				(124	)			95
Total		$	38,982			$	(330	)		$	219			$	(111	)		$	(12	)		$	38,859
Nine Months Ended September 30, 2013
Non-residential real estate owner occupied		$	5,104			$	(3	)		$	16			$	13			$	(260	)		$	4,857
Non-residential real estate other			9,865				(19	)			12				(7	)			1,414				11,272
Residential real estate permanent mortgage			2,781				(126	)			27				(99	)			40				2,722
Residential real estate all other			7,034				(177	)			30				(147	)			(280	)			6,607
Non-consumer non-real estate			9,385				(139	)			159				20				(542	)			8,863
Consumer non-real estate			2,451				(458	)			202				(256	)			303				2,498
Other loans			1,885				(235	)			55				(180	)			240				1,945
Acquired loans			220				(53	)			39				(14	)			(111	)			95
Total		$	38,725			$	(1,210	)		$	540			$	(670	)		$	804			$	38,859

		ALL
		Balance at beginning of period				Charge- offs				Recoveries				Net charge -offs				Provisions charged to operations				Balance at end of period
		(Dollars in thousands)
Three Months Ended September 30, 2012
Non-residential real estate owner occupied		$	5,783			$	(30	)		$	2			$	(28	)		$	(469	)		$	5,286
Non-residential real estate other			8,566				—				15				15				16				8,597
Residential real estate permanent mortgage			3,002				(50	)			4				(46	)			(258	)			2,698
Residential real estate all other			7,004				(107	)			5				(102	)			121				7,023
Non-consumer non-real estate			8,558				(119	)			19				(100	)			712				9,170
Consumer non-real estate			2,282				(117	)			42				(75	)			162				2,369
Other loans			1,854				(24	)			2				(22	)			6				1,838
Acquired loans			387				(53	)			—				(53	)			(57	)			277
Total		$	37,436			$	(500	)		$	89			$	(411	)		$	233			$	37,258
Nine Months Ended September 30, 2012
Non-residential real estate owner occupied		$	5,300			$	(87	)		$	2			$	(85	)		$	71			$	5,286
Non-residential real estate other			8,648				(71	)			46				(25	)			(26	)			8,597
Residential real estate permanent mortgage			2,734				(119	)			84				(35	)			(1	)			2,698
Residential real estate all other			7,030				(169	)			34				(135	)			128				7,023
Non-consumer non-real estate			9,156				(449	)			144				(305	)			319				9,170
Consumer non-real estate			2,315				(308	)			157				(151	)			205				2,369
Other loans			1,886				(231	)			33				(198	)			150				1,838
Acquired loans			587				(129	)			11				(118	)			(192	)			277
Total		$	37,656			$	(1,563	)		$	511			$	(1,052	)		$	654			$	37,258

Allowance for Loan Losses Outstanding by Impairment Methodology

The following table details the amount of ALL by class of loans based on the impairment methodology used by the Company.

		ALL
		September 30, 2013								September 30, 2012
		Individually evaluated for impairment				Collectively evaluated for impairment				Individually evaluated for impairment				Collectively evaluated for impairment
		(Dollars in thousands)
Non-residential real estate owner occupied		$	228			$	4,629			$	462			$	4,824
Non-residential real estate other			2,529				8,743				1,934				6,663
Residential real estate permanent mortgage			226				2,496				218				2,480
Residential real estate all other			1,058				5,549				2,087				4,936
Non-consumer non-real estate			1,052				7,811				1,692				7,478
Consumer non-real estate			314				2,184				315				2,054
Other loans			2460				1,6998				220				1,6188
Acquired loans			—				957				—				2777
Total		$	5,653			$	33,206			$	6,928			$	30,330

Loans Outstanding by Impairment Methodology

The following table details the loans outstanding by class of loans based on the impairment methodology used by the Company.

		Loans
		September 30, 2013												September 30, 2012
		Individually evaluated for impairment				Collectively evaluated for impairment				Loans acquired with deteriorated credit quality				Individually evaluated for impairment				Collectively evaluated for impairment				Loans acquired with deteriorated credit quality
		(Dollars in thousands)
Non-residential real estate owner occupied		$	6,005			$	453,341			$	—			$	12,142			$	469,558			$	—
Non-residential real estate other			28,072				849,430				—				25,053				642,817				—
Residential real estate permanent mortgage			6,609				249,609				—				6,406				238,260				—
Residential real estate all other			10,674				540,476				—				12,858				480,274				—
Non-consumer non-real estate			5,675				772,803				—				8,976				724,930				—
Consumer non-real estate			2,448				222,045				—				2,316				205,427				—
Other loans			292				138,575				—				264				150,218				—
Acquired loans			—				66,071				6,813				—				127,654				8,943
Total		$	59,775			$	3,292,350			$	6,813			$	68,015			$	3,039,138			$	8,943

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:

		Nine Months Ended September 30,
		2013				2012
		(Dollars in thousands)
Other real estate owned		$	1,287			$	1,633
Repossessed assets			946				664
Total		$	2,233			$	2,297

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