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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)

6 Months Ended

Jun. 30, 2014

Receivables [Abstract]

Schedule of Loans Outstanding by Category

The following is a schedule of loans outstanding by category:

		June 30, 2014								December 31, 2013								June 30, 2013
		Amount				Percent				Amount				Percent				Amount				Percent
		(Dollars in thousands)
Commercial and industrial		$	677,425				18.48	%		$	605,672				17.88	%		$	529,253				16.31	%
Oil & gas production & equipment			110,913				3.03				96,907				2.86				145,735				4.49
Agriculture			102,693				2.80				111,323				3.29				94,337				2.91
State and political subdivisions:
Taxable			9,346				0.25				10,217				0.30				9,202				0.28
Tax-exempt			10,803				0.29				11,073				0.33				12,392				0.38
Real estate:
Construction			355,526				9.70				284,808				8.41				247,827				7.64
Farmland			144,519				3.94				132,512				3.91				126,233				3.89
One to four family residences			748,228				20.41				703,903				20.78				697,927				21.51
Multifamily residential properties			60,430				1.65				60,080				1.77				48,128				1.48
Commercial			1,160,079				31.65				1,097,484				32.40				1,070,807				33.00
Consumer			258,745				7.06				250,588				7.40				243,799				7.51
Other (not classified above)			27,201				0.74				22,579				0.67				19,444				0.60
Total loans		$	3,665,908				100.00	%		$	3,387,146				100.00	%		$	3,245,084				100.00	%
Loans held for sale (included above)		$	9,519							$	6,469							$	10,367

Summary of Nonperforming and Restructured Assets

The following is a summary of nonperforming and restructured assets:

		June 30,				December 31,				June 30,
		2014				2013				2013
		(Dollars in thousands)
Past due 90 days or more and still accruing		$	1,789			$	1,179			$	850
Nonaccrual			17,268				14,390				18,946
Restructured			20,615				17,624				17,903
Total nonperforming and restructured loans			39,672				33,193				37,699
Other real estate owned and repossessed assets			6,406				8,386				8,503
Total nonperforming and restructured assets		$	46,078			$	41,579			$	46,202
Nonperforming and restructured loans to total loans			1.08	%			0.98	%			1.16	%
Nonperforming and restructured assets to total assets			0.72	%			0.69	%			0.80	%

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.

		June 30, 2014				June 30, 2013
		(Dollars in thousands)
Non-residential real estate owner occupied		$	323			$	516
Non-residential real estate other			5,436				9,195
Residential real estate permanent mortgage			741				741
Residential real estate all other			951				2,837
Non-consumer non-real estate			1,265				1,268
Consumer non-real estate			189				216
Other loans			880				1,938
Acquired loans			7,483				2,235
Total		$	17,268			$	18,946

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 June 30, 2014
Non-residential real estate owner occupied		$	477			$	264			$	741			$	482,081			$	482,822			$	60
Non-residential real estate other			5,065				825				5,890				920,264				926,154				—
Residential real estate permanent mortgage			2,224				656				2,880				282,749				285,629				180
Residential real estate all other			1,545				892				2,437				598,454				600,891				538
Non-consumer non-real estate			2,059				985				3,044				859,012				862,056				46
Consumer non-real estate			2,256				313				2,569				230,774				233,343				219
Other loans			1,695				356				2,051				146,218				148,269				—
Acquired loans			3,506				4,989				8,495				118,249				126,744				746
Total		$	18,827			$	9,280			$	28,107			$	3,637,801			$	3,665,908			$	1,789
As of June 30, 2013
Non-residential real estate owner occupied		$	1,848			$	138			$	1,986			$	444,231			$	446,217			$	120
Non-residential real estate other			230				3,056				3,286				801,821				805,107				51
Residential real estate permanent mortgage			1,496				566				2,062				249,671				251,733				102
Residential real estate all other			1,494				251				1,745				539,276				541,021				49
Non-consumer non-real estate			3,519				816				4,335				745,327				749,662				32
Consumer non-real estate			2,382				213				2,595				214,785				217,380				176
Other loans			1,850				1,520				3,370				144,135				147,505				—
Acquired loans			375				593				968				85,491				86,459				320
Total		$	13,194			$	7,153			$	20,347			$	3,224,737			$	3,245,084			$	850

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 June 30, 2014
Non-residential real estate owner occupied		$	542			$	476			$	22			$	547
Non-residential real estate other			23,886				22,122				1,710				22,305
Residential real estate permanent mortgage			1,117				951				86				931
Residential real estate all other			1,768				1,581				215				1,310
Non-consumer non-real estate			4,407				4,082				512				2,151
Consumer non-real estate			568				553				141				542
Other loans			1,048				880				153				1,000
Acquired loans			19,347				12,872				88				13,152
Total		$	52,683			$	43,517			$	2,927			$	41,938
As of June 30, 2013
Non-residential real estate owner occupied		$	814			$	748			$	28			$	623
Non-residential real estate other			27,297				25,859				2,363				25,885
Residential real estate permanent mortgage			1,510				1,287				64				1,277
Residential real estate all other			3,694				3,294				1,189				3,985
Non-consumer non-real estate			1,816				1,481				390				1,536
Consumer non-real estate			517				495				79				419
Other loans			2,253				2,090				278				2,648
Acquired loans			10,359				8,230				58				8,511
Total		$	48,260			$	43,484			$	4,449			$	44,884

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 June 30, 2014
Non-residential real estate owner occupied		$	406,862			$	69,202			$	6,375			$	383			$	—			$	482,822
Non-residential real estate other			736,119				165,012				19,587				5,436				—				926,154
Residential real estate permanent mortgage			253,932				24,765				5,967				965				—				285,629
Residential real estate all other			501,090				91,707				6,859				1,235				—				600,891
Non-consumer non-real estate			704,671				115,925				40,135				1,325				—				862,056
Consumer non-real estate			220,053				11,160				1,637				493				—				233,343
Other loans			145,004				2,373				615				87				190				148,269
Acquired loans			66,721				42,798				8,679				8,137				409				126,744
Total		$	3,034,452			$	522,942			$	89,854			$	18,061			$	599			$	3,665,908
As of June 30, 2013
Non-residential real estate owner occupied		$	381,580			$	58,923			$	5,077			$	637			$	—			$	446,217
Non-residential real estate other			650,422				124,831				20,609				9,245				—				805,107
Residential real estate permanent mortgage			212,230				33,024				5,593				886				—				251,733
Residential real estate all other			454,987				74,982				8,123				2,929				—				541,021
Non-consumer non-real estate			649,542				94,045				4,737				1,338				—				749,662
Consumer non-real estate			203,408				11,767				1,860				342				3				217,380
Other loans			143,653				2,642				864				346				—				147,505
Acquired loans			66,234				13,774				3,894				2,557				—				86,459
Total		$	2,762,056			$	413,988			$	50,757			$	18,280			$	3			$	3,245,084

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)
Three Months Ended June 30, 2014
Non-residential real estate owner occupied		$	5,012			$	(18	)		$	34			$	16			$	213			$	5,241
Non-residential real estate other			10,685				—				—				—				553				11,238
Residential real estate permanent mortgage			3,237				(32	)			31				(1	)			74				3,310
Residential real estate all other			6,485				(44	)			10				(34	)			364				6,815
Non-consumer non-real estate			9,703				(61	)			16				(45	)			2,309				11,967
Consumer non-real estate			2,573				(190	)			46				(144	)			216				2,645
Other loans			2,072				(188	)			110				(78	)			(1	)			1,993
Acquired loans			157				(148	)			678				530				(599	)			88
Total		$	39,924			$	(681	)		$	925			$	244			$	3,129			$	43,297
Six Months Ended June 30, 2014
Non-residential real estate owner occupied		$	4,827			$	(22	)		$	65			$	43			$	371			$	5,241
Non-residential real estate other			11,026				—				3				3				209				11,238
Residential real estate permanent mortgage			2,825				(162	)			41				(121	)			606				3,310
Residential real estate all other			6,708				(93	)			14				(79	)			186				6,815
Non-consumer non-real estate			8,977				(131	)			30				(101	)			3,091				11,967
Consumer non-real estate			2,556				(331	)			108				(223	)			312				2,645
Other loans			1,991				(251	)			127				(124	)			126				1,993
Acquired loans			124				(165	)			683				518				(554	)			88
Total		$	39,034			$	(1,155	)		$	1,071			$	(84	)		$	4,347			$	43,297

		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 June 30, 2013
Allowance for loan losses:
Non-residential real estate owner occupied		$	4,866			$	(2	)		$	1			$	(1	)		$	(151	)		$	4,714
Non-residential real estate other			10,465				(1	)			6				5				396				10,866
Residential real estate permanent mortgage			2,756				(40	)			4				(36	)			13				2,733
Residential real estate all other			7,165				(59	)			25				(34	)			218				7,349
Non-consumer non-real estate			8,982				(69	)			18				(51	)			(180	)			8,751
Consumer non-real estate			2,384				(155	)			61				(94	)			99				2,389
Other loans			1,822				(20	)			31				11				128				1,961
Acquired loans			224				(1	)			3				2				(7	)			219
Total		$	38,664			$	(347	)		$	149			$	(198	)		$	516			$	38,982
Six Months Ended June 30, 2013
Non-residential real estate owner occupied		$	5,104			$	(2	)		$	16			$	14			$	(404	)		$	4,714
Non-residential real estate other			9,865				(19	)			10				(9	)			1,010				10,866
Residential real estate permanent mortgage			2,781				(96	)			15				(81	)			33				2,733
Residential real estate all other			7,034				(154	)			27				(127	)			442				7,349
Non-consumer non-real estate			9,385				(105	)			49				(56	)			(578	)			8,751
Consumer non-real estate			2,451				(295	)			137				(158	)			96				2,389
Other loans			1,885				(159	)			31				(128	)			204				1,961
Acquired loans			220				(50	)			36				(14	)			13				219
Total		$	38,725			$	(880	)		$	321			$	(559	)		$	816			$	38,982

Allowance for Loan Losses Outstanding by Impairment Methodology

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

		ALL
		June 30, 2014								June 30, 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		$	372			$	4,869			$	217			$	4,497
Non-residential real estate other			1,881				9,357				2,663				8,203
Residential real estate permanent mortgage			539				2,771				222				2,511
Residential real estate all other			736				6,079				1,794				5,555
Non-consumer non-real estate			3,567				8,400				1,124				7,627
Consumer non-real estate			417				2,228				265				2,124
Other loans			190				1,803				231				1,730
Acquired loans			—				88				—				219
Total		$	7,702			$	35,595			$	6,516			$	32,466

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
		June 30, 2014												June 30, 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		$	6,758			$	476,064			$	—			$	5,713			$	440,503			$	—
Non-residential real estate other			25,023				901,131				—				29,855				775,253				—
Residential real estate permanent mortgage			6,932				278,697				—				6,479				245,254				—
Residential real estate all other			8,094				592,797				—				11,052				529,969				—
Non-consumer non-real estate			41,460				820,596				—				6,075				743,587				—
Consumer non-real estate			2,130				231,213				—				2,205				215,175				—
Other loans			324				147,945				—				280				147,225				—
Acquired loans			—				109,519				17,225				—				80,008				6,451
Total		$	90,721			$	3,557,962			$	17,225			$	61,659			$	3,176,974			$	6,451

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:

		Six Months Ended June 30,
		2014				2013
		(Dollars in thousands)
Other real estate owned		$	525			$	896
Repossessed assets			722				594
Total		$	1,247			$	1,490

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