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Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2018

Receivables [Abstract]

Schedule of Loans Outstanding by Category

The following is a schedule of loans outstanding by category:

		June 30, 2018								December 31, 2017
		Amount				Percent				Amount				Percent
		(Dollars in thousands)
Commercial and financial:
Commercial and industrial		$	1,083,958				21.65	%		$	995,207				21.08	%
Oil & gas production and equipment			95,777				1.91				95,574				2.02
Agriculture			130,961				2.62				141,249				2.99
State and political subdivisions:
Taxable			65,745				1.31				73,827				1.56
Tax-exempt			54,400				1.09				48,626				1.03
Real estate:
Construction			456,062				9.11				437,277				9.26
Farmland			215,835				4.31				195,162				4.13
One to four family residences			978,196				19.53				875,766				18.55
Multifamily residential properties			66,488				1.33				46,030				0.98
Commercial			1,514,304				30.24				1,487,927				31.51
Consumer			309,011				6.17				284,373				6.02
Other (not classified above)			36,781				0.73				40,977				0.87
Total loans		$	5,007,518				100.00	%		$	4,721,995				100.00	%

Summary of Nonperforming and Restructured Assets

The following is a summary of nonperforming and restructured assets:

		June 30,				December 31,
		2018				2017
		(Dollars in thousands)
Past due 90 days or more and still accruing		$	2,916			$	2,893
Nonaccrual			30,149				31,943
Restructured			14,527				4,720
Total nonperforming and restructured loans			47,592				39,556
Other real estate owned and repossessed assets			3,847				4,424
Total nonperforming and restructured assets		$	51,439			$	43,980

Summary of Amounts Included in Nonaccrual Loans Segregated by Class of Loans

Loans are segregated into classes based upon the nature of the collateral and the borrower. These classes are used to estimate the allowance for loan losses. 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, 2018				December 31, 2017
		(Dollars in thousands)
Real estate:
Non-residential real estate owner occupied		$	1,225			$	1,108
Non-residential real estate other			8,892				9,809
Residential real estate permanent mortgage			978				781
Residential real estate all other			5,121				3,980
Commercial and financial:
Non-consumer non-real estate			7,357				7,785
Consumer non-real estate			362				250
Other loans			525				5,596
Acquired loans			5,689				2,634
Total		$	30,149			$	31,943

Age Analysis of Past Due Loans Segregated by Class of Loans

Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. 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 June 30, 2018
Real estate:
Non-residential real estate owner occupied		$	547			$	824			$	968			$	2,339			$	637,279			$	639,618			$	118
Non-residential real estate other			475				56				1,755				2,286				1,127,444				1,129,730				171
Residential real estate permanent mortgage			4,333				644				1,219				6,196				323,487				329,683				852
Residential real estate all other			2,414				754				2,649				5,817				788,538				794,355				1,129
Commercial and financial:
Non-consumer non-real estate			1,768				1,659				2,650				6,077				1,298,337				1,304,414				198
Consumer non-real estate			1,549				359				421				2,329				298,798				301,127				331
Other loans			412				237				324				973				136,378				137,351				—
Acquired loans			3,248				681				2,550				6,479				364,761				371,240				117
Total		$	14,746			$	5,214			$	12,536			$	32,496			$	4,975,022			$	5,007,518			$	2,916
As of December 31, 2017
Real estate:
Non-residential real estate owner occupied		$	998			$	68			$	977			$	2,043			$	639,575			$	641,618			$	84
Non-residential real estate other			2,905				271				2,112				5,288				1,121,303				1,126,591				432
Residential real estate permanent mortgage			2,211				403				977				3,591				326,743				330,334				584
Residential real estate all other			1,739				749				1,377				3,865				781,790				785,655				973
Commercial and financial:
Non-consumer non-real estate			2,210				706				1,785				4,701				1,279,704				1,284,405				403
Consumer non-real estate			2,085				670				293				3,048				285,872				288,920				194
Other loans			506				103				3,916				4,525				139,920				144,445				—
Acquired loans			753				192				713				1,658				118,369				120,027				223
Total		$	13,407			$	3,162			$	12,150			$	28,719			$	4,693,276			$	4,721,995			$	2,893

Impaired Loans Segregated by Class of Loans

The following table presents impaired loans, segregated by class of loans. During the period ended June 30, 2018 no material amount of interest income was recognized on impaired loans subsequent to their classification as impaired. During the period ended June 30, 2017, $2.3 million 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, 2018
Real estate:
Non-residential real estate owner occupied		$	7,718			$	7,636			$	301			$	7,387
Non-residential real estate other			9,881				9,633				521				9,730
Residential real estate permanent mortgage			2,252				2,047				155				1,819
Residential real estate all other			7,724				7,417				2,445				6,920
Commercial and financial:
Non-consumer non-real estate			20,876				13,639				2,662				13,048
Consumer non-real estate			794				755				136				780
Other loans			760				525				55				1,084
Acquired loans			11,065				8,075				4				6,870
Total		$	61,070			$	49,727			$	6,279			$	47,638
As of December 31, 2017
Real estate:
Non-residential real estate owner occupied		$	2,011			$	1,945			$	141			$	1,858
Non-residential real estate other			10,323				10,240				496				3,975
Residential real estate permanent mortgage			1,745				1,542				146				1,440
Residential real estate all other			5,837				5,549				2,135				5,258
Commercial and financial:
Non-consumer non-real estate			18,101				11,158				2,412				11,131
Consumer non-real estate			545				514				127				541
Other loans			6,092				5,595				178				7,439
Acquired loans			4,737				3,145				12				3,539
Total		$	49,391			$	39,688			$	5,647			$	35,181

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, 2018
Real estate:
Non-residential real estate owner occupied		$	492,984			$	126,220			$	18,995			$	1,419			$	—			$	639,618
Non-residential real estate other			929,230				181,759				9,701				9,040				—				1,129,730
Residential real estate permanent mortgage			282,347				37,534				7,350				2,452				—				329,683
Residential real estate all other			622,575				154,192				10,681				6,907				—				794,355
Commercial and financial:
Non-consumer non-real estate			1,029,512				249,253				18,716				6,933				—				1,304,414
Consumer non-real estate			278,585				20,078				1,675				789				—				301,127
Other loans			131,903				5,054				336				58				—				137,351
Acquired loans			215,415				117,064				32,547				6,214				—				371,240
Total		$	3,982,551			$	891,154			$	100,001			$	33,812			$	—			$	5,007,518
As of December 31, 2017
Real estate:
Non-residential real estate owner occupied		$	520,641			$	105,696			$	13,852			$	1,429			$	—			$	641,618
Non-residential real estate other			931,295				178,282				14,290				2,724				—				1,126,591
Residential real estate permanent mortgage			289,200				33,033				6,352				1,749				—				330,334
Residential real estate all other			621,401				149,201				9,418				5,635				—				785,655
Commercial and financial:
Non-consumer non-real estate			1,018,172				234,884				24,322				6,997				30				1,284,405
Consumer non-real estate			268,826				17,499				2,038				557				—				288,920
Other loans			136,617				5,668				1,203				957				—				144,445
Acquired loans			65,685				34,418				17,113				2,811				—				120,027
Total		$	3,851,837			$	758,681			$	88,588			$	22,859			$	30			$	4,721,995

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, 2018
Real estate:
Non-residential real estate owner occupied		$	6,650			$	—			$	—			$	—			$	(224	)		$	6,426
Non-residential real estate other			10,548				—				—				—				157				10,705
Residential real estate permanent mortgage			3,281				(6	)			23				17				9				3,307
Residential real estate all other			9,831				(151	)			3				(148	)			440				10,123
Commercial and financial:
Non-consumer non-real estate			14,785				(153	)			10				(143	)			427				15,069
Consumer non-real estate			2,699				(194	)			44				(150	)			290				2,839
Other loans			2,336				(2	)			12				10				(18	)			2,328
Acquired loans			1,420				(166	)			5				(161	)			144				1,403
Total		$	51,550			$	(672	)		$	97			$	(575	)		$	1,225			$	52,200
Six Months Ended June 30, 2018
Real estate:
Non-residential real estate owner occupied		$	6,195			$	(19	)		$	1			$	(18	)		$	249			$	6,426
Non-residential real estate other			10,519				(1	)			39				38				148				10,705
Residential real estate permanent mortgage			3,226				(62	)			26				(36	)			117				3,307
Residential real estate all other			9,672				(241	)			6				(235	)			686				10,123
Commercial and financial:
Non-consumer non-real estate			15,334				(309	)			23				(286	)			21				15,069
Consumer non-real estate			2,793				(444	)			124				(320	)			366				2,839
Other loans			2,481				(2	)			24				22				(175	)			2,328
Acquired loans			1,446				(193	)			23				(170	)			127				1,403
Total		$	51,666			$	(1,271	)		$	266			$	(1,005	)		$	1,539			$	52,200

		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, 2017
Real estate:
Non-residential real estate owner occupied		$	5,562			$	(40	)		$	3			$	(37	)		$	160			$	5,685
Non-residential real estate other			10,788				(25	)			1				(24	)			(284	)			10,480
Residential real estate permanent mortgage			3,130				(36	)			10				(26	)			44				3,148
Residential real estate all other			8,659				(16	)			6				(10	)			263				8,912
Commercial and financial:
Non-consumer non-real estate			12,810				(471	)			61				(410	)			1,243				13,643
Consumer non-real estate			2,725				(234	)			32				(202	)			183				2,706
Other loans			2,958				(56	)			1				(55	)			103				3,006
Acquired loans			1,289				(1	)			8				7				129				1,425
Total		$	47,921			$	(879	)		$	122			$	(757	)		$	1,841			$	49,005
Six Months Ended June 30, 2017
Real estate:
Non-residential real estate owner occupied		$	5,602			$	(72	)		$	4			$	(68	)		$	151			$	5,685
Non-residential real estate other			10,793				(26	)			2				(24	)			(289	)			10,480
Residential real estate permanent mortgage			3,129				(156	)			11				(145	)			164				3,148
Residential real estate all other			8,622				(73	)			17				(56	)			346				8,912
Commercial and financial:
Non-consumer non-real estate			12,421				(677	)			979				302				920				13,643
Consumer non-real estate			2,804				(468	)			83				(385	)			287				2,706
Other loans			4,045				(1,274	)			5				(1,269	)			230				3,006
Acquired loans			1,277				(14	)			58				44				104				1,425
Total		$	48,693			$	(2,760	)		$	1,159			$	(1,601	)		$	1,913			$	49,005

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, 2018								December 31, 2017
		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.		$	841			$	5,585			$	656			$	5,539
Non-residential real estate other			908				9,797				751				9,768
Residential real estate permanent mortgage			560				2,747				483				2,743
Residential real estate all other			3,138				6,985				2,761				6,911
Commercial and financial:
Non-consumer non-real estate			4,076				10,993				4,651				10,683
Consumer non-real estate			349				2,490				429				2,364
Other loans			52				2,276				133				2,348
Acquired loans			—				1,403				12				1,434
Total		$	9,924			$	42,276			$	9,876			$	41,790

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, 2018												December 31, 2017
		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		$	20,414			$	619,204			$	—			$	15,281			$	626,337			$	—
Non-residential real estate other			18,741				1,110,989				—				17,013				1,109,578				—
Residential real estate permanent mortgage			9,802				319,881				—				8,100				322,234				—
Residential real estate all other			17,588				776,767				—				15,052				770,603				—
Commercial and financial:
Non-consumer non-real estate			25,649				1,278,765				—				31,349				1,253,056				—
Consumer non-real estate			2,692				298,435				—				2,600				286,320				—
Other loans			302				137,049				—				764				143,681				—
Acquired loans			31,009				332,479				7,752				14,464				100,106				5,457
Total		$	126,197			$	4,873,569			$	7,752			$	104,623			$	4,611,915			$	5,457

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,
		2018				2017
		(Dollars in thousands)
Other real estate owned		$	1,123			$	1,513
Repossessed assets			550				612
Total		$	1,673			$	2,125

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