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Loans and Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 2018

Receivables [Abstract]

Schedule of Loans Outstanding by Category

The following is a schedule of loans outstanding by category:

		December 31,
		2018								2017
		Amount				Percent				Amount				Percent
		(Dollars in thousands)
Commercial and financial:
Commercial and industrial		$	1,032,787				20.76	%		$	995,207				21.08	%
Oil & gas production and equipment			94,729				1.90				95,574				2.02
Agriculture			136,313				2.74				141,249				2.99
State and political subdivisions:
Taxable			76,211				1.53				73,827				1.56
Tax-exempt			48,415				0.97				48,626				1.03
Real estate:
Construction			451,224				9.07				437,277				9.26
Farmland			219,241				4.41				195,162				4.13
One to four family residences			979,170				19.68				875,766				18.55
Multifamily residential properties			65,949				1.33				46,030				0.98
Commercial			1,506,937				30.28				1,487,927				31.51
Consumer			328,069				6.59				284,373				6.02
Other (not classified above)			36,931				0.74				40,977				0.87
Total loans		$	4,975,976				100.00	%		$	4,721,995				100.00	%

Summary of Nonperforming and Restructured Assets

The following is a summary of nonperforming and restructured assets:

		December 31,
		2018				2017
		(Dollars in thousands)
Past due 90 days or more and still accruing		$	1,916			$	2,893
Nonaccrual			22,603				31,943
Restructured			13,188				4,720
Total nonperforming and restructured loans			37,707				39,556
Other real estate owned and repossessed assets			6,873				4,424
Total nonperforming and restructured assets		$	44,580			$	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.

		December 31,
		2018				2017
		(Dollars in thousands)
Real estate:
Non-residential real estate owner occupied		$	838			$	1,108
Non-residential real estate other			187				9,809
Residential real estate permanent mortgage			954				781
Residential real estate all other			5,488				3,980
Commercial and financial:
Non-consumer non-real estate			5,682				7,785
Consumer non-real estate			437				250
Other loans			490				5,596
Acquired loans			8,527				2,634
Total		$	22,603			$	31,943

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 December 31, 2018
Real estate:
Non-residential real estate owner occupied		$	5,114			$	810			$	43			$	5,967			$	620,654			$	626,621			$	—
Non-residential real estate other			2,772				32				114				2,918				1,143,210				1,146,128				—
Residential real estate permanent mortgage			2,448				653				693				3,794				324,908				328,702				430
Residential real estate all other			1,728				292				2,799				4,819				822,685				827,504				612
Commercial and financial:
Non-consumer non-real estate			3,620				702				833				5,155				1,278,499				1,283,654				282
Consumer non-real estate			1,991				565				559				3,115				323,747				326,862				325
Other loans			322				158				178				658				141,251				141,909				—
Acquired loans			5,240				1,669				4,936				11,845				282,751				294,596				267
Total		$	23,235			$	4,881			$	10,155			$	38,271			$	4,937,705			$	4,975,976			$	1,916
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 year ended December 31, 2018 no material amount of interest income was recognized on impaired loans subsequent to their classification as impaired. During the year ended December 31, 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 December 31, 2018
Real estate:
Non-residential real estate owner occupied		$	7,126			$	6,933			$	202			$	7,739
Non-residential real estate other			949				757				50				6,057
Residential real estate permanent mortgage			1,789				1,545				127				1,650
Residential real estate all other			7,177				6,862				2,433				7,154
Commercial and financial:
Non-consumer non-real estate			18,507				10,977				881				12,140
Consumer non-real estate			928				829				131				846
Other loans			710				490				35				481
Acquired loans			12,846				9,864				2				11,050
Total		$	50,032			$	38,257			$	3,861			$	47,117
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 December 31, 2018
Real estate:
Non-residential real estate owner occupied		$	451,059			$	157,715			$	16,949			$	898			$	—			$	626,621
Non-residential real estate other			932,454				188,341				25,146				187				—				1,146,128
Residential real estate permanent mortgage			279,870				39,806				7,401				1,625				—				328,702
Residential real estate all other			644,217				162,003				15,232				6,052				—				827,504
Commercial and financial:
Non-consumer non-real estate			1,000,089				264,134				15,128				4,303				—				1,283,654
Consumer non-real estate			302,217				21,600				2,255				790				—				326,862
Other loans			136,132				5,542				116				119				—				141,909
Acquired loans			156,008				109,075				20,884				8,284				345				294,596
Total		$	3,902,046			$	948,216			$	103,111			$	22,258			$	345			$	4,975,976
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)
As of December 31, 2018
Real estate:
Non-residential real estate owner occupied		$	6,195			$	(282	)		$	17			$	(265	)		$	398			$	6,328
Non-residential real estate other			10,519				(93	)			41				(52	)			560				11,027
Residential real estate permanent mortgage			3,226				(174	)			26				(148	)			183				3,261
Residential real estate all other			9,672				(395	)			106				(289	)			1,290				10,673
Commercial and financial:
Non-consumer non-real estate			15,334				(2,257	)			92				(2,165	)			(18	)			13,151
Consumer non-real estate			2,793				(1,066	)			245				(821	)			1,093				3,065
Other loans			2,481				(16	)			361				345				(403	)			2,423
Acquired loans			1,446				(720	)			36				(684	)			699				1,461
Total		$	51,666			$	(5,003	)		$	924			$	(4,079	)		$	3,802			$	51,389
As of December 31, 2017
Real estate:
Non-residential real estate owner occupied		$	5,602			$	(74	)		$	6			$	(68	)		$	661			$	6,195
Non-residential real estate other			10,793				(47	)			16				(31	)			(243	)			10,519
Residential real estate permanent mortgage			3,129				(373	)			25				(348	)			445				3,226
Residential real estate all other			8,622				(330	)			66				(264	)			1,314				9,672
Commercial and financial:
Non-consumer non-real estate			12,421				(1,344	)			1,033				(311	)			3,224				15,334
Consumer non-real estate			2,804				(913	)			180				(733	)			722				2,793
Other loans			4,045				(3,727	)			23				(3,704	)			2,140				2,481
Acquired loans			1,277				(157	)			77				(80	)			249				1,446
Total		$	48,693			$	(6,965	)		$	1,426			$	(5,539	)		$	8,512			$	51,666

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
		December 31, 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		$	669			$	5,659			$	656			$	5,539
Non-residential real estate other			1,119				9,908				751				9,768
Residential real estate permanent mortgage			505				2,756				483				2,743
Residential real estate all other			3,413				7,260				2,761				6,911
Commercial and financial:
Non-consumer non-real estate			2,114				11,037				4,651				10,683
Consumer non-real estate			374				2,691				429				2,364
Other loans			65				2,358				133				2,348
Acquired loans			—				1,461				12				1,434
Total		$	8,259			$	43,130			$	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
		December 31, 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		$	17,846			$	608,775			$	—			$	15,281			$	626,337			$	—
Non-residential real estate other			25,333				1,120,795				—				17,013				1,109,578				—
Residential real estate permanent mortgage			9,026				319,676				—				8,100				322,234				—
Residential real estate all other			21,285				806,219				—				15,052				770,603				—
Commercial and financial:
Non-consumer non-real estate			19,432				1,264,222				—				31,349				1,253,056				—
Consumer non-real estate			3,093				323,769				—				2,600				286,320				—
Other loans			209				141,700				—				764				143,681				—
Acquired loans			22,132				265,084				7,380				14,464				100,106				5,457
Total		$	118,356			$	4,850,240			$	7,380			$	104,623			$	4,611,915			$	5,457

Transfers from Loans and Premises and Equipment to Other Real Estate Owned and Repossessed Assets

Transfers from loans and premises and equipment to other real estate owned and repossessed assets during the periods presented are summarized as follows:

		Year ended December 31,
		2018				2017				2016
		(Dollars in thousands)
Other real estate owned		$	5,437			$	2,889			$	2,553
Repossessed assets			1,122				1,242				1,402
Total		$	6,559			$	4,131			$	3,955

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)
2018		$	24,001			$	7,986			$	(12,096	)		$	19,891
2017			27,486				7,350				(10,835	)			24,001
2016			37,577				16,133				(26,224	)			27,486

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