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Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2017

Receivables [Abstract]

Schedule of Loans Outstanding by Category

The following is a schedule of loans outstanding by category:

		September 30, 2017								December 31, 2016
		Amount				Percent				Amount				Percent
		(Dollars in thousands)
Commercial and financial:
Commercial and industrial		$	943,881				20.31	%		$	828,260				18.82	%
Oil & gas production and equipment			105,492				2.27				84,228				1.91
Agriculture			135,695				2.92				144,751				3.29
State and political subdivisions:
Taxable			79,874				1.72				33,793				0.77
Tax-exempt			45,485				0.98				47,283				1.07
Real estate:
Construction			425,023				9.15				420,884				9.57
Farmland			197,995				4.26				197,872				4.50
One to four family residences			868,332				18.69				846,360				19.24
Multifamily residential properties			47,142				1.01				57,806				1.31
Commercial			1,474,344				31.73				1,426,643				32.42
Consumer			284,864				6.13				279,704				6.36
Other (not classified above)			38,622				0.83				32,648				0.74
Total loans		$	4,646,749				100.00	%		$	4,400,232				100.00	%

Summary of Nonperforming and Restructured Assets

The following is a summary of nonperforming and restructured assets:

		September 30,				December 31,
		2017				2016
		(Dollars in thousands)
Past due 90 days or more and still accruing		$	2,122			$	1,962
Nonaccrual			27,665				31,798
Restructured			3,603				1,713
Total nonperforming and restructured loans			33,390				35,473
Other real estate owned and repossessed assets			4,099				3,866
Total nonperforming and restructured assets		$	37,489			$	39,339

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,				December 31,
		2017				2016
		(Dollars in thousands)
Real estate:
Non-residential real estate owner occupied		$	1,470			$	713
Non-residential real estate other			1,811				5,688
Residential real estate permanent mortgage			878				1,116
Residential real estate all other			4,374				5,089
Commercial and financial:
Non-consumer non-real estate			7,152				4,464
Consumer non-real estate			273				265
Other loans			9,384				8,370
Acquired loans			2,323				6,093
Total		$	27,665			$	31,798

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
		30-59 Days Past Due				60-89 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, 2017
Real estate:
Non-residential real estate owner occupied		$	2,069			$	510			$	830			$	3,409			$	610,639			$	614,048			$	217
Non-residential real estate other			2,593				12				406				3,011				1,130,500				1,133,511				168
Residential real estate permanent mortgage			2,070				693				862				3,625				324,880				328,505				556
Residential real estate all other			2,077				867				1,134				4,078				767,895				771,973				435
Commercial and financial:
Non-consumer non-real estate			1,223				5,264				1,518				8,005				1,225,849				1,233,854				215
Consumer non-real estate			1,807				536				381				2,724				287,197				289,921				256
Other loans			1,109				—				8,379				9,488				136,432				145,920				—
Acquired loans			773				131				513				1,417				127,600				129,017				275
Total		$	13,721			$	8,013			$	14,023			$	35,757			$	4,610,992			$	4,646,749			$	2,122
As of December 31, 2016
Real estate:
Non-residential real estate owner occupied		$	2,255			$	96			$	150			$	2,501			$	569,130			$	571,631			$	—
Non-residential real estate other			611				16				418				1,045				1,122,351				1,123,396				—
Residential real estate permanent mortgage			2,742				649				1,273				4,664				320,749				325,413				513
Residential real estate all other			2,559				531				1,416				4,506				743,723				748,229				369
Commercial and financial:
Non-consumer non-real estate			1,269				1,628				741				3,638				1,047,547				1,051,185				608
Consumer non-real estate			2,046				760				419				3,225				280,652				283,877				274
Other loans			5,345				958				7,775				14,078				127,404				141,482				45
Acquired loans			825				310				408				1,543				153,476				155,019				153
Total		$	17,652			$	4,948			$	12,600			$	35,200			$	4,365,032			$	4,400,232			$	1,962

Impaired Loans Segregated by Class of Loans

The following table presents impaired loans, segregated by class of loans. During the nine month period ended September 30, 2017, $2.3 million of interest income was recognized on impaired loans subsequent to their classification as impaired. During previous periods 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, 2017
Real estate:
Non-residential real estate owner occupied		$	1,886			$	1,772			$	64			$	1,223
Non-residential real estate other			2,079				1,979				187				1,933
Residential real estate permanent mortgage			1,691				1,482				132				1,406
Residential real estate all other			5,116				4,886				1,893				5,079
Commercial and financial:
Non-consumer non-real estate			17,295				10,493				2,279				7,868
Consumer non-real estate			639				604				110				691
Other loans			10,873				9,384				772				9,728
Acquired loans			4,567				2,879				—				3,209
Total		$	44,146			$	33,479			$	5,437			$	31,137
As of December 31, 2016
Real estate:
Non-residential real estate owner occupied		$	894			$	806			$	101			$	825
Non-residential real estate other			7,742				5,688				574				5,854
Residential real estate permanent mortgage			1,878				1,683				124				1,612
Residential real estate all other			5,871				5,614				1,538				5,445
Commercial and financial:
Non-consumer non-real estate			12,015				6,272				1,457				6,478
Consumer non-real estate			686				650				133				788
Other loans			9,799				8,415				1,870				8,062
Acquired loans			8,780				6,581				—				6,041
Total		$	47,665			$	35,709			$	5,797			$	35,105

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, 2017
Real estate:
Non-residential real estate owner occupied		$	490,986			$	107,108			$	14,056			$	1,898			$	—			$	614,048
Non-residential real estate other			941,470				175,333				14,672				2,036				—				1,133,511
Residential real estate permanent mortgage			287,905				33,335				5,547				1,718				—				328,505
Residential real estate all other			613,932				142,874				9,825				5,342				—				771,973
Commercial and financial:
Non-consumer non-real estate			963,362				236,765				26,318				7,409				—				1,233,854
Consumer non-real estate			269,864				17,479				1,977				601				—				289,921
Other loans			136,765				6,337				1,489				1,329				—				145,920
Acquired loans			71,878				36,807				17,673				2,659				—				129,017
Total		$	3,776,162			$	756,038			$	91,557			$	22,992			$	—			$	4,646,749
As of December 31, 2016
Real estate:
Non-residential real estate owner occupied		$	464,504			$	89,978			$	16,220			$	929			$	—			$	571,631
Non-residential real estate other			933,743				169,561				14,404				5,688				—				1,123,396
Residential real estate permanent mortgage			284,893				32,889				5,987				1,644				—				325,413
Residential real estate all other			614,338				119,018				9,382				5,491				—				748,229
Commercial and financial:
Non-consumer non-real estate			856,318				170,865				19,101				4,901				—				1,051,185
Consumer non-real estate			263,442				17,154				2,640				641				—				283,877
Other loans			132,254				5,376				1,514				2,338				—				141,482
Acquired loans			92,946				42,668				12,888				6,517				—				155,019
Total		$	3,642,438			$	647,509			$	82,136			$	28,149			$	—			$	4,400,232

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 September 30, 2017
Real estate:
Non-residential real estate owner occupied		$	5,685			$	(2	)		$	1			$	(1	)		$	261			$	5,945
Non-residential real estate other			10,480				—				1				1				70				10,551
Residential real estate permanent mortgage			3,148				(90	)			9				(81	)			91				3,158
Residential real estate all other			8,912				(89	)			13				(76	)			503				9,339
Commercial and financial:
Non-consumer non-real estate			13,643				(538	)			24				(514	)			1,838				14,967
Consumer non-real estate			2,706				(238	)			57				(181	)			207				2,732
Other loans			3,006				(47	)			—				(47	)			153				3,112
Acquired loans			1,425				(134	)			7				(127	)			153				1,451
Total		$	49,005			$	(1,138	)		$	112			$	(1,026	)		$	3,276			$	51,255
Nine Months Ended September 30, 2017
Real estate:
Non-residential real estate owner occupied		$	5,602			$	(74	)		$	5			$	(69	)		$	412			$	5,945
Non-residential real estate other			10,793				(26	)			3				(23	)			(219	)			10,551
Residential real estate permanent mortgage			3,129				(246	)			20				(226	)			255				3,158
Residential real estate all other			8,622				(162	)			30				(132	)			849				9,339
Commercial and financial:
Non-consumer non-real estate			12,421				(1,215	)			986				(229	)			2,775				14,967
Consumer non-real estate			2,804				(706	)			140				(566	)			494				2,732
Other loans			4,045				(1,321	)			22				(1,299	)			366				3,112
Acquired loans			1,277				(148	)			65				(83	)			257				1,451
Total		$	48,693			$	(3,898	)		$	1,271			$	(2,627	)		$	5,189			$	51,255

		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, 2016
Real estate:
Non-residential real estate owner occupied		$	4,896			$	(1	)		$	—			$	(1	)		$	214			$	5,109
Non-residential real estate other			10,302				(5	)			1				(4	)			285				10,583
Residential real estate permanent mortgage			3,203				(58	)			10				(48	)			52				3,207
Residential real estate all other			8,293				(10	)			8				(2	)			212				8,503
Commercial and financial:
Non-consumer non-real estate			13,441				(1,053	)			31				(1,022	)			(385	)			12,034
Consumer non-real estate			2,749				(374	)			61				(313	)			443				2,879
Other loans			3,377				(18	)			2				(16	)			812				4,173
Acquired loans			305				(41	)			2				(39	)			1,307				1,573
Total		$	46,566			$	(1,560	)		$	115			$	(1,445	)		$	2,940			$	48,061
Nine Months Ended September 30, 2016
Real estate:
Non-residential real estate owner occupied		$	4,661			$	(11	)		$	—			$	(11	)		$	459			$	5,109
Non-residential real estate other			9,921				(9	)			3				(6	)			668				10,583
Residential real estate permanent mortgage			3,148				(157	)			48				(109	)			168				3,207
Residential real estate all other			6,725				(147	)			19				(128	)			1,906				8,503
Commercial and financial:
Non-consumer non-real estate			11,754				(2,358	)			77				(2,281	)			2,561				12,034
Consumer non-real estate			2,642				(729	)			137				(592	)			829				2,879
Other loans			2,648				(300	)			15				(285	)			1,810				4,173
Acquired loans			167				(58	)			18				(40	)			1,446				1,573
Total		$	41,666			$	(3,769	)		$	317			$	(3,452	)		$	9,847			$	48,061

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
		September 30, 2017								December 31, 2016
		Individually evaluated for impairment				Collectively evaluated for impairment				Individually evaluated for impairment				Collectively evaluated for impairment
		(Dollars in thousands)
Real estate:
Non-residential real estate owner occupied.		$	625			$	5,320			$	716			$	4,886
Non-residential real estate other			740				9,811				1,119				9,674
Residential real estate permanent mortgage			422				2,736				422				2,707
Residential real estate all other			2,570				6,769				2,160				6,462
Commercial and financial:
Non-consumer non-real estate			4,694				10,273				3,317				9,104
Consumer non-real estate			374				2,358				478				2,326
Other loans			671				2,441				1,812				2,233
Acquired loans			12				1,439				495				782
Total		$	10,108			$	41,147			$	10,519			$	38,174

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
		September 30, 2017												December 31, 2016
		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)
Real estate:
Non-residential real estate owner occupied		$	15,954			$	598,094			$	—			$	17,149			$	554,482			$	—
Non-residential real estate other			16,707				1,116,804				—				20,092				1,103,304				—
Residential real estate permanent mortgage			7,265				321,240				—				7,631				317,782				—
Residential real estate all other			15,167				756,806				—				14,873				733,356				—
Commercial and financial:
Non-consumer non-real estate			33,727				1,200,127				—				24,002				1,027,183				—
Consumer non-real estate			2,578				287,343				—				3,203				280,674				—
Other loans			207				145,713				—				2,254				139,228				—
Acquired loans			14,782				108,686				5,549				13,459				135,616				5,944
Total		$	106,387			$	4,534,813			$	5,549			$	102,663			$	4,291,625			$	5,944

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,
		2017				2016
		(Dollars in thousands)
Other real estate owned		$	1,906			$	2,453
Repossessed assets			887				1,117
Total		$	2,793			$	3,570

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