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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

3 Months Ended

Mar. 31, 2014

Receivables [Abstract]

Schedule of Loans Outstanding by Category

The following is a schedule of loans outstanding by category:

		March 31, 2014								December 31, 2013								March 31, 2013
		Amount				Percent				Amount				Percent				Amount				Percent
		(Dollars in thousands)
Commercial and industrial		$	676,084				19.09	%		$	605,672				17.88	%		$	518,438				16.10	%
Oil & gas production & equipment			99,382				2.80				96,907				2.86				154,392				4.79
Agriculture			109,570				3.09				111,323				3.29				96,094				2.98
State and political subdivisions:
Taxable			9,824				0.28				10,217				0.30				9,272				0.29
Tax-exempt			11,219				0.32				11,073				0.33				13,034				0.41
Real estate:
Construction			299,238				8.45				284,808				8.41				231,770				7.20
Farmland			141,059				3.98				132,512				3.91				124,347				3.86
One to four family residences			723,358				20.42				703,903				20.78				680,129				21.12
Multifamily residential properties			60,785				1.72				60,080				1.77				47,506				1.48
Commercial			1,134,384				32.02				1,097,484				32.40				1,084,864				33.69
Consumer			251,651				7.10				250,588				7.40				240,600				7.47
Other (not classified above)			25,716				0.73				22,579				0.67				19,521				0.61
Total loans		$	3,542,270				100.00	%		$	3,387,146				100.00	%		$	3,219,967				100.00	%
Loans held for sale (included above)		$	5,231							$	6,469							$	7,211

Summary of Nonperforming and Restructured Assets

The following is a summary of nonperforming and restructured assets:

		March 31, 2014				December 31, 2013				March 31, 2013
		(Dollars in thousands)
Past due 90 days or more and still accruing		$	910			$	1,179			$	542
Nonaccrual			17,753				14,390				20,933
Restructured			17,468				17,624				17,792
Total nonperforming and restructured loans			36,131				33,193				39,267
Other real estate owned and repossessed assets			7,590				8,386				9,424
Total nonperforming and restructured assets		$	43,721			$	41,579			$	48,691
Nonperforming and restructured loans to total loans			1.02	%			0.98	%			1.22	%
Nonperforming and restructured assets to total assets			0.69	%			0.69	%			0.84	%

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.

		March 31, 2014				March 31, 2013
		(Dollars in thousands)
Non-residential real estate owner occupied		$	448			$	382
Non-residential real estate other			5,779				9,284
Residential real estate permanent mortgage			689				619
Residential real estate all other			958				3,716
Non-consumer non-real estate			1,287				1,449
Consumer non-real estate			165				187
Other loans			1,198				3,052
Acquired loans			7,229				2,244
Total		$	17,753			$	20,933

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 March 31, 2014
Non-residential real estate owner occupied		$	518			$	298			$	816			$	457,978			$	458,794			$	96
Non-residential real estate other			4,978				935				5,913				873,592				879,505				—
Residential real estate permanent mortgage			1,867				458				2,325				270,879				273,204				76
Residential real estate all other			1,274				543				1,817				565,930				567,747				86
Non-consumer non-real estate			2,749				929				3,678				824,361				828,039				18
Consumer non-real estate			2,151				260				2,411				223,551				225,962				218
Other loans			2,080				337				2,417				145,794				148,211				—
Acquired loans			3,053				4,608				7,661				153,147				160,808				416
Total		$	18,670			$	8,368			$	27,038			$	3,515,232			$	3,542,270			$	910

As of March 31, 2013
Non-residential real estate owner occupied		$	1,230			$	112			$	1,342			$	452,461			$	453,803			$	18
Non-residential real estate other			2,063				1,833				3,896				786,343				790,239				—
Residential real estate permanent mortgage			2,351				460				2,811				245,945				248,756				163
Residential real estate all other			2,087				408				2,495				522,542				525,037				105
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

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 March 31, 2014
Non-residential real estate owner occupied		$	688			$	601			$	29			$	642
Non-residential real estate other			24,355				22,680				1,734				22,915
Residential real estate permanent mortgage			1,068				836				88				918
Residential real estate all other			1,318				1,139				218				1,335
Non-consumer non-real estate			1,824				1,491				427				1,449
Consumer non-real estate			548				527				134				572
Other loans			1,215				1,198				207				1,278
Acquired loans			20,179				13,361				189				9,744
Total		$	51,195			$	41,833			$	3,026			$	38,853
As of March 31, 2013
Non-residential real estate owner occupied		$	580			$	517			$	19			$	732
Non-residential real estate other			27,369				25,900				2,166				26,082
Residential real estate permanent mortgage			1,448				1,226				61				1,007
Residential real estate all other			4,631				4,246				1,276				3,840
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

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, 2014
Non-residential real estate owner occupied		$	381,290			$	70,949			$	6,052			$	503			$	—			$	458,794
Non-residential real estate other			724,181				129,390				20,155				5,779				—				879,505
Residential real estate permanent mortgage			240,653				25,074				6,610				867				—				273,204
Residential real estate all other			474,152				86,033				6,495				1,067				—				567,747
Non-consumer non-real estate			673,757				147,625				5,350				1,307				—				828,039
Consumer non-real estate			212,492				11,388				1,655				427				—				225,962
Other loans			144,870				2,375				736				230				—				148,211
Acquired loans			92,581				48,073				12,091				7,917				146				160,808
Total		$	2,943,976			$	520,907			$	59,144			$	18,097			$	146			$	3,542,270
As of March 31, 2013
Non-residential real estate owner occupied		$	393,152			$	55,109			$	5,142			$	400			$	—			$	453,803
Non-residential real estate other			649,917				110,186				20,852				9,284				—				790,239
Residential real estate permanent mortgage			208,732				33,463				5,730				831				—				248,756
Residential real estate all other			461,620				51,181				8,410				3,826				—				525,037
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

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 catagories.

		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 March 31, 2014
Non-residential real estate owner occupied		$	4,827			$	(4	)		$	31			$	27			$	158			$	5,012
Non-residential real estate other			11,026				—				3				3				(344	)			10,685
Residential real estate permanent mortgage			2,825				(130	)			10				(120	)			532				3,237
Residential real estate all other			6,708				(49	)			4				(45	)			(178	)			6,485
Non-consumer non-real estate			8,977				(70	)			14				(56	)			782				9,703
Consumer non-real estate			2,556				(140	)			62				(78	)			95				2,573
Other loans			1,991				(64	)			17				(47	)			128				2,072
Acquired loans			124				(17	)			5				(12	)			45				157
Total		$	39,034			$	(474	)		$	146			$	(328	)		$	1,218			$	39,924
		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 March 31, 2013
Non-residential real estate owner occupied		$	5,104			$	—			$	15			$	15			$	(253	)		$	4,866
Non-residential real estate other			9,865				(18	)			4				(14	)			614				10,465
Residential real estate permanent mortgage			2,781				(56	)			11				(45	)			20				2,756
Residential real estate all other			7,034				(95	)			2				(93	)			224				7,165
Non-consumer non-real estate			9,385				(36	)			31				(5	)			(398	)			8,982
Consumer non-real estate			2,451				(140	)			76				(64	)			(3	)			2,384
Other loans			1,885				(139	)			—				(139	)			76				1,822
Acquired loans			220				(49	)			33				(16	)			20				224
Total		$	38,725			$	(533	)		$	172			$	(361	)		$	300			$	38,664

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.

		ALL
		March 31, 2014								March 31, 2013
		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		$	361			$	4,651			$	210			$	4,656
Non-residential real estate other			1,929				8,756				2,484				7,981
Residential real estate permanent mortgage			588				2,649				224				2,532
Residential real estate all other			733				5,752				1,899				5,266
Non-consumer non-real estate			1,133				8,570				1,211				7,771
Consumer non-real estate			389				2,184				290				2,094
Other loans			242				1,830				199				1,623
Acquired loans			—				157				—				224
Total		$	5,375			$	34,549			$	6,517			$	32,147

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
		March 31, 2014												March 31, 2013
		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		$	6,555			$	452,239			$	—			$	5,542			$	448,261			$	—
Non-residential real estate other			25,934				853,571				—				30,136				760,103				—
Residential real estate permanent mortgage			7,477				265,727				—				6,561				242,195				—
Residential real estate all other			7,562				560,185				—				12,236				512,801				—
Non-consumer non-real estate			6,657				821,382				—				6,329				744,272				—
Consumer non-real estate			2,082				223,880				—				2,301				209,019				—
Other loans			308				147,903				—				246				143,780				—
Acquired loans			—				140,654				20,154				—				89,875				6,310
Total		$	56,575			$	3,465,541			$	20,154			$	63,351			$	3,150,306			$	6,310

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,
		2014				2013
		(Dollars in thousands)
Other real estate owned		$	66			$	436
Repossessed assets			327				209
Total		$	393			$	645

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