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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

12 Months Ended

Dec. 31, 2013

Receivables [Abstract]

Schedule of Loans Outstanding by Category

The following is a schedule of loans outstanding by category:

		December 31,
		2013								2012
		Amount				Percent				Amount				Percent
		(Dollars in thousands)
Commercial and industrial		$	605,672				17.88	%		$	559,274				17.25	%
Oil & gas production & equipment			96,907				2.86				154,380				4.76
Agriculture			111,323				3.29				93,274				2.88
State and political subdivisions:
Taxable			10,217				0.30				9,412				0.29
Tax-exempt			11,073				0.33				13,194				0.41
Real estate:
Construction			284,808				8.41				226,102				6.97
Farmland			132,512				3.91				125,033				3.86
One to four family residences			703,903				20.78				669,230				20.64
Multifamily residential properties			60,080				1.77				50,721				1.56
Commercial			1,097,484				32.40				1,068,445				32.95
Consumer			250,588				7.40				253,002				7.80
Other (not classified above)			22,579				0.67				20,360				0.63
Total loans		$	3,387,146				100.00	%		$	3,242,427				100.00	%
Loans held for sale (included above)		$	6,469							$	11,257

Summary of Nonperforming and Restructured Assets

The following is a summary of nonperforming and restructured assets:

		December 31,
		2013				2012
		(Dollars in thousands)
Past due 90 days or more and still accruing		$	1,179			$	537
Nonaccrual			14,390				20,549
Restructured			17,624				17,866
Total nonperforming and restructured loans			33,193				38,952
Other real estate owned and repossessed assets			8,386				9,566
Total nonperforming and restructured assets		$	41,579			$	48,518
Nonperforming and restructured loans to total loans			0.98	%			1.20	%
Nonperforming and restructured assets to total assets			0.69	%			0.81	%

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,
		2013				2012
		(Dollars in thousands)
Non-residential real estate owner occupied		$	595			$	350
Non-residential real estate other			6,270				9,528
Residential real estate primary mortgage			718				506
Residential real estate all other			1,521				3,244
Non-consumer non-real estate			1,192				1,464
Consumer non-real estate			176				137
Other loans			1,407				2,519
Acquired loans			2,511				2,801
Total		$	14,390			$	20,549

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 December 31, 2013
Non-residential real estate owner occupied		$	411			$	316			$	727			$	454,305			$	455,032			$	96
Non-residential real estate other			5,660				1,543				7,203				856,179				863,382				2
Residential real estate primary mortgage			2,566				789				3,355				262,625				265,980				275
Residential real estate all other			2,370				1,272				3,642				564,231				567,873				184
Non-consumer non-real estate			1,240				1,047				2,287				793,028				795,315				125
Consumer non-real estate			2,428				392				2,820				225,515				228,335				279
Other loans			2,562				1,244				3,806				141,550				145,356				—
Acquired loans			1,801				593				2,394				63,479				65,873				218
Total		$	19,038			$	7,196			$	26,234			$	3,360,912			$	3,387,146			$	1,179
As of December 31, 2012
Non-residential real estate owner occupied		$	911			$	207			$	1,118			$	479,536			$	480,654			$	64
Non-residential real estate other			3,453				2,124				5,577				736,014				741,591				—
Residential real estate primary mortgage			2,488				560				3,048				245,849				248,897				131
Residential real estate all other			2,176				653				2,829				503,207				506,036				116
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

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, 2013
Non-residential real estate owner occupied		$	877			$	752			$	28			$	881
Non-residential real estate other.			24,964				23,351				2,161				23,816
Residential real estate primary mortgage			1,253				1,025				58				1,170
Residential real estate all other			2,214				1,803				361				1,857
Non-consumer non-real estate			1,801				1,459				388				1,553
Consumer non-real estate			628				611				139				455
Other loans			1,545				1,464				219				1,602
Acquired loans			9,848				7,861				124				7,928
Total		$	43,130			$	38,326			$	3,478			$	39,262
As of December 31, 2012
Non-residential real estate owner occupied		$	596			$	535			$	24			$	1,557
Non-residential real estate other			27,502				26,147				2,187				21,726
Residential real estate primary mortgage			1,297				1,084				43				1,123
Residential real estate all other			4,172				3,829				1,285				4,062
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

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, 2013
Non-residential real estate owner occupied		$	382,798			$	66,139			$	5,446			$	649			$	—			$	455,032
Non-residential real estate other			711,081				125,617				20,309				6,375				—				863,382
Residential real estate primary mortgage			233,924				24,882				6,081				1,093				—				265,980
Residential real estate all other			475,421				82,571				8,238				1,643				—				567,873
Non-consumer non-real estate			691,772				97,812				4,462				1,269				—				795,315
Consumer non-real estate			214,153				11,819				1,931				431				1				228,335
Other loans			141,787				2,558				772				239				—				145,356
Acquired loans			47,220				11,980				3,766				2,907				—				65,873
Total		$	2,898,156			$	423,378			$	51,005			$	14,606			$	1			$	3,387,146
As of December 31, 2012
Non-residential real estate owner occupied		$	409,187			$	65,303			$	5,750			$	414			$	—			$	480,654
Non-residential real estate other			611,060				99,929				21,360				9,242				—				741,591
Residential real estate primary mortgage			208,254				34,038				5,925				680				—				248,897
Residential real estate all other			440,623				52,526				9,457				3,430				—				506,036
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

Activity in All 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 category of loans does not preclude its availability to absorb losses in other categories.

		ALL
		Balance at beginning of period				Charge- offs				Recoveries				Net charge- offs				Provisions charged to operations				Balance at end of period
		(Dollars in thousands)
As of December 31, 2013
Non-residential real estate owner occupied		$	5,104			$	(3	)		$	20			$	17			$	(294	)		$	4,827
Non-residential real estate other			9,865				(19	)			12				(7	)			1,168				11,026
Residential real estate primary mortgage			2,781				(162	)			32				(130	)			174				2,825
Residential real estate all other			7,034				(209	)			33				(176	)			(150	)			6,708
Non-consumer non-real estate			9,385				(217	)			175				(42	)			(366	)			8,977
Consumer non-real estate			2,451				(597	)			225				(372	)			477				2,556
Other loans			1,885				(300	)			75				(225	)			331				1,991
Acquired loans			220				(53	)			39				(14	)			(82	)			124
Total		$	38,725			$	(1,560	)		$	611			$	(949	)		$	1,258			$	39,034
As of December 31, 2012
Non-residential real estate owner occupied		$	5,300			$	(96	)		$	3			$	(93	)		$	(103	)		$	5,104
Non-residential real estate other			8,648				(195	)			53				(142	)			1,359				9,865
Residential real estate primary mortgage			2,734				(222	)			85				(137	)			184				2,781
Residential real estate all other			7,030				(394	)			49				(345	)			349				7,034
Non-consumer non-real estate			9,156				(590	)			171				(419	)			648				9,385
Consumer non-real estate			2,315				(509	)			194				(315	)			451				2,451
Other loans			1,886				(265	)			34				(231	)			230				1,885
Acquired loans			587				(373	)			24				(349	)			(18	)			220
Total		$	37,656			$	(2,644	)		$	613			$	(2,031	)		$	3,100			$	38,725

Allowance for Loan Losses Outstanding by Impairment Methodology

The following table details the amount of ALL by class of loans for the period presented, on the basis of the impairment methodology used by the Company.

		December 31, 2013								December 31, 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		$	231			$	4,596			$	238			$	4,866
Non-residential real estate other			2,449				8,577				2,521				7,344
Residential real estate primary mortgage			243				2,582				278				2,503
Residential real estate all other			994				5,714				2,025				5,009
Non-consumer non-real estate			966				8,011				1,403				7,982
Consumer non-real estate			334				2,222				287				2,164
Other loans			252				1,739				253				1,632
Acquired loans			—				124				—				220
Total		$	5,469			$	33,565			$	7,005			$	31,720

Loans Outstanding by Impairment Methodology

The following table details the loans outstanding by class of loans for the period presented, on the basis of the impairment methodology used by the Company.

		Loans
		December 31, 2013												December 31, 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		$	6,095			$	448,937			$	—			$	6,163			$	474,491			$	—
Non-residential real estate other			26,684				836,698				—				30,602				710,989				—
Residential real estate primary mortgage			7,174				258,806				—				6,605				242,292				—
Residential real estate all other.			9,881				557,992				—				12,887				493,149				—
Non-consumer non-real estate			5,731				789,584				—				7,599				777,524				—
Consumer non-real estate			2,362				225,972				—				2,260				219,487				—
Other loans			317				145,039				—				235				149,662				—
Acquired loans			—				59,200				6,674				—				101,139				7,343
Total		$	58,244			$	3,322,228			$	6,674			$	66,351			$	3,168,733			$	7,343

Summary of Amounts Included in ALL for Impaired Loans with Specific Reserves and Recorded Balance of Related Loans

The following table is a summary of amounts included in the ALL 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 2013, 2012 or 2011.

		Year Ended December 31,
		2013				2012				2011
		(Dollars in thousands)
Allowance for loss on impaired loans		$	2,661			$	3,252			$	2,779
Recorded balance of impaired loans			12,647				12,313				13,437
Average recorded investment			12,480				12,875				11,974

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,
		2013				2012				2011
		(Dollars in thousands)
Other real estate owned		$	1,710			$	2,543			$	5,091
Repossessed assets			1,171				1,034				1,460
Total		$	2,881			$	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)
2013		$	29,030			$	11,979			$	(13,875	)		$	27,134
2012			25,264				24,706				(20,940	)			29,030
2011			21,287				8,162				(4,185	)			25,264

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