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Loans Held for Investment (LHFI) and Allowance for Loan Losses, LHFI (Tables) | 9 Months Ended
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Sep. 30, 2012
Loans Held for Investment (LHFI) and Allowance for Loan Losses, LHFI [Abstract] |
Loan Portfolio Held For Investment | For the periods presented, LHFI consisted of the following ($ in thousands):
|  | September 30, 2012 |  |  | December 31, 2011 |
Loans secured by real estate: |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 460,599 |  |  | $ | 474,082 |
Secured by 1-4 family residential properties |  |  | 1,511,514 |  |  |  | 1,760,930 |
Secured by nonfarm, nonresidential properties |  |  | 1,397,536 |  |  |  | 1,425,774 |
Other |  |  | 184,804 |  |  |  | 204,849 |
Commercial and industrial loans |  |  | 1,163,681 |  |  |  | 1,139,365 |
Consumer loans |  |  | 181,896 |  |  |  | 243,756 |
Other loans |  |  | 627,933 |  |  |  | 608,728 |
LHFI |  |  | 5,527,963 |  |  |  | 5,857,484 |
Less allowance for loan losses, LHFI |  |  | 83,526 |  |  |  | 89,518 |
Net LHFI |  | $ | 5,444,437 |  |  | $ | 5,767,966 |
Summary of LHFI evaluated for impairment [Table Text Block] | The following table details LHFI individually and collectively evaluated for impairment at September 30, 2012 and December 31, 2011 ($ in thousands):
|  | September 30, 2012 |
|  | LHFI Evaluated for Impairment |
|  | Individually |  |  | Collectively |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 26,077 |  |  | $ | 434,522 |  |  | $ | 460,599 |
Secured by 1-4 family residential properties |  |  | 24,260 |  |  |  | 1,487,254 |  |  |  | 1,511,514 |
Secured by nonfarm, nonresidential properties |  |  | 18,873 |  |  |  | 1,378,663 |  |  |  | 1,397,536 |
Other |  |  | 3,900 |  |  |  | 180,904 |  |  |  | 184,804 |
Commercial and industrial loans |  |  | 6,215 |  |  |  | 1,157,466 |  |  |  | 1,163,681 |
Consumer loans |  |  | 411 |  |  |  | 181,485 |  |  |  | 181,896 |
Other loans |  |  | 922 |  |  |  | 627,011 |  |  |  | 627,933 |
Total |  | $ | 80,658 |  |  | $ | 5,447,305 |  |  | $ | 5,527,963 |
|  | December 31, 2011 |
|  | LHFI Evaluated for Impairment |
|  | Individually |  |  | Collectively |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 40,413 |  |  | $ | 433,669 |  |  | $ | 474,082 |
Secured by 1-4 family residential properties |  |  | 24,348 |  |  |  | 1,736,582 |  |  |  | 1,760,930 |
Secured by nonfarm, nonresidential properties |  |  | 23,981 |  |  |  | 1,401,793 |  |  |  | 1,425,774 |
Other |  |  | 5,871 |  |  |  | 198,978 |  |  |  | 204,849 |
Commercial and industrial loans |  |  | 14,148 |  |  |  | 1,125,217 |  |  |  | 1,139,365 |
Consumer loans |  |  | 825 |  |  |  | 242,931 |  |  |  | 243,756 |
Other loans |  |  | 872 |  |  |  | 607,856 |  |  |  | 608,728 |
Total |  | $ | 110,458 |  |  | $ | 5,747,026 |  |  | $ | 5,857,484 |
Impact of Modifications Classified as Troubled Debt Restructurings | The following table illustrates the impact of modifications classified as TDRs for the three and nine months ended September 30, 2012 and 2011 as well as those TDRs modified within the last 12 months for which there was a payment default during the period ($ in thousands):
|  | Three Months Ended September 30, |
|  | 2012 |  |  | 2011 |
Troubled Debt Restructurings |  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Number of Contracts |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |
Construction, land development and other land loans |  |  | - |  |  | $ | - |  |  | $ | - |  |  |  | 1 |  |  | $ | 1,843 |  |  | $ | 1,843 |
Secured by 1-4 family residential properties |  |  | 39 |  |  |  | 3,695 |  |  |  | 3,691 |  |  |  | 5 |  |  |  | 1,889 |  |  |  | 1,949 |
Other loans secured by real estate |  |  | 1 |  |  |  | 199 |  |  |  | 199 |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  |  | 40 |  |  | $ | 3,894 |  |  | $ | 3,890 |  |  |  | 6 |  |  | $ | 3,732 |  |  | $ | 3,792 |
|  | Nine Months Ended September 30, |
|  | 2012 |  |  | 2011 |
Troubled Debt Restructurings |  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |  |  | Number of Contracts |  |  | Pre-Modification Outstanding Recorded Investment |  |  | Post-Modification Outstanding Recorded Investment |
Construction, land development and other land loans |  |  | 11 |  |  | $ | 4,078 |  |  | $ | 4,078 |  |  |  | 14 |  |  | $ | 9,114 |  |  | $ | 8,447 |
Secured by 1-4 family residential properties |  |  | 44 |  |  |  | 5,062 |  |  |  | 5,069 |  |  |  | 15 |  |  |  | 5,112 |  |  |  | 3,549 |
Secured by nonfarm, nonresidential properties |  |  | 2 |  |  |  | 1,210 |  |  |  | 1,210 |  |  |  | 4 |  |  |  | 4,368 |  |  |  | 4,196 |
Other loans secured by real estate |  |  | 1 |  |  |  | 199 |  |  |  | 199 |  |  |  | - |  |  |  | - |  |  |  | - |
Commercial and industrial |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2 |  |  |  | 11,998 |  |  |  | 11,531 |
Total |  |  | 58 |  |  | $ | 10,549 |  |  | $ | 10,556 |  |  |  | 35 |  |  | $ | 30,592 |  |  | $ | 27,723 |
Troubled Debt Restructuring Subsequently Defaulted |
|  | Nine Months Ended September 30, |
|  | 2012 |  |  | 2011 |
Troubled Debt Restructurings that Subsequently Defaulted |  | Number of Contracts |  |  | Recorded Investment |  | Number of Contracts |  |  | Recorded Investment |
Construction, land development and other land loans |  |  | 10 |  |  | $ | 3,671 |  |  |  | 2 |  |  | $ | 1,688 |
Secured by 1-4 family residential properties |  |  | 8 |  |  |  | 1,781 |  |  |  | 2 |  |  |  | 1,485 |
Secured by nonfarm, nonresidential properties |  |  | 1 |  |  |  | 870 |  |  |  | - |  |  |  | - |
Total |  |  | 19 |  |  | $ | 6,322 |  |  |  | 4 |  |  | $ | 3,173 |
Troubled Debt Restructuring Related To Loans Held for Investment, Excluding Covered Loans, by Loan Type | At September 30, 2012 and December 31, 2011, the following table details LHFI classified as TDRs by loan type ($ in thousands):
|  | September 30, 2012 |
|  | Accruing |  |  | Nonaccrual |  |  | Total |
Construction, land development and other land loans |  | $ | 235 |  |  | $ | 12,493 |  |  | $ | 12,728 |
Secured by 1-4 family residential properties |  |  | 3,562 |  |  |  | 5,198 |  |  |  | 8,760 |
Secured by nonfarm, nonresidential properties |  |  | - |  |  |  | 4,662 |  |  |  | 4,662 |
Other loans secured by real estate |  |  | - |  |  |  | 199 |  |  |  | 199 |
Total Troubled Debt Restructurings by Type |  | $ | 3,797 |  |  | $ | 22,552 |  |  | $ | 26,349 |
|  | December 31, 2011 |
|  | Accruing |  |  | Nonaccrual |  |  | Total |
Construction, land development and other land loans |  | $ | 241 |  |  | $ | 14,041 |  |  | $ | 14,282 |
Secured by 1-4 family residential properties |  |  | 782 |  |  |  | 3,485 |  |  |  | 4,267 |
Secured by nonfarm, nonresidential properties |  |  | - |  |  |  | 4,135 |  |  |  | 4,135 |
Commercial and industrial |  |  | - |  |  |  | 11,503 |  |  |  | 11,503 |
Total Troubled Debt Restructurings by Type |  | $ | 1,023 |  |  | $ | 33,164 |  |  | $ | 34,187 |
Impaired Financing Receivables | At September 30, 2012 and December 31, 2011, the carrying amount of LHFI evaluated for impairment consisted of the following ($ in thousands):
|  | September 30, 2012 |
|  | LHFI |  |  |  |  |  |  |
|  | Unpaid |  |  | With No Related |  |  | With an |  |  | Total |  |  |  |  |  | Average |
|  | Principal |  |  | Allowance |  |  | Allowance |  |  | Carrying |  |  | Related |  |  | Recorded |
|  | Balance |  |  | Recorded |  |  | Recorded |  |  | Amount |  |  | Allowance |  |  | Investment |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 45,951 |  |  | $ | 7,815 |  |  | $ | 18,262 |  |  | $ | 26,077 |  |  | $ | 4,829 |  |  | $ | 33,245 |
Secured by 1-4 family residential properties |  |  | 31,206 |  |  |  | 2,093 |  |  |  | 22,167 |  |  |  | 24,260 |  |  |  | 1,373 |  |  |  | 24,304 |
Secured by nonfarm, nonresidential properties |  |  | 24,003 |  |  |  | 4,424 |  |  |  | 14,449 |  |  |  | 18,873 |  |  |  | 3,259 |  |  |  | 21,427 |
Other |  |  | 5,965 |  |  |  | - |  |  |  | 3,900 |  |  |  | 3,900 |  |  |  | 855 |  |  |  | 4,886 |
Commercial and industrial loans |  |  | 6,791 |  |  |  | 57 |  |  |  | 6,158 |  |  |  | 6,215 |  |  |  | 2,995 |  |  |  | 10,182 |
Consumer loans |  |  | 670 |  |  |  | - |  |  |  | 411 |  |  |  | 411 |  |  |  | 4 |  |  |  | 618 |
Other loans |  |  | 952 |  |  |  | - |  |  |  | 922 |  |  |  | 922 |  |  |  | 336 |  |  |  | 897 |
Total |  | $ | 115,538 |  |  | $ | 14,389 |  |  | $ | 66,269 |  |  | $ | 80,658 |  |  | $ | 13,651 |  |  | $ | 95,559 |
|  | December 31, 2011 |
|  | LHFI |  |  |  |  |  |  |
|  | Unpaid |  |  | With No Related |  |  | With an |  |  | Total |  |  |  |  |  | Average |
|  | Principal |  |  | Allowance |  |  | Allowance |  |  | Carrying |  |  | Related |  |  | Recorded |
|  | Balance |  |  | Recorded |  |  | Recorded |  |  | Amount |  |  | Allowance |  |  | Investment |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 58,757 |  |  | $ | 11,123 |  |  | $ | 29,290 |  |  | $ | 40,413 |  |  | $ | 6,547 |  |  | $ | 49,122 |
Secured by 1-4 family residential properties |  |  | 33,746 |  |  |  | 1,560 |  |  |  | 22,788 |  |  |  | 24,348 |  |  |  | 1,348 |  |  |  | 27,330 |
Secured by nonfarm, nonresidential properties |  |  | 27,183 |  |  |  | 13,770 |  |  |  | 10,211 |  |  |  | 23,981 |  |  |  | 2,431 |  |  |  | 26,497 |
Other |  |  | 7,158 |  |  |  | 1,548 |  |  |  | 4,323 |  |  |  | 5,871 |  |  |  | 1,007 |  |  |  | 6,013 |
Commercial and industrial loans |  |  | 16,102 |  |  |  | 8,724 |  |  |  | 5,424 |  |  |  | 14,148 |  |  |  | 1,137 |  |  |  | 15,127 |
Consumer loans |  |  | 1,097 |  |  |  | - |  |  |  | 825 |  |  |  | 825 |  |  |  | 9 |  |  |  | 1,468 |
Other loans |  |  | 2,559 |  |  |  | 220 |  |  |  | 652 |  |  |  | 872 |  |  |  | 185 |  |  |  | 1,132 |
Total |  | $ | 146,602 |  |  | $ | 36,945 |  |  | $ | 73,513 |  |  | $ | 110,458 |  |  | $ | 12,664 |  |  | $ | 126,689 |
Carrying Amount of Loans by Credit Quality Indicator | The table below illustrates the carrying amount of LHFI by credit quality indicator at September 30, 2012 and December 31, 2011 ($ in thousands):
|  | September 30, 2012 |
|  |  |  |  |  | Commercial Loans |
|  |  |  |  |  | Pass - |  |  | Special Mention - |  |  | Substandard - |  |  | Doubtful - |  |  |  |
|  |  |  |  |  | Categories 1-6 |  |  | Category 7 |  |  | Category 8 |  |  | Category 9 |  |  | Subtotal |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  |  |  |  |  | $ | 321,938 |  |  | $ | 23,923 |  |  | $ | 67,703 |  |  | $ | - |  |  | $ | 413,564 |
Secured by 1-4 family residential properties |  |  |  |  |  |  | 115,316 |  |  |  | 1,026 |  |  |  | 14,844 |  |  |  | 40 |  |  |  | 131,226 |
Secured by nonfarm, nonresidential properties |  |  |  |  |  |  | 1,277,544 |  |  |  | 12,607 |  |  |  | 106,338 |  |  |  | - |  |  |  | 1,396,489 |
Other |  |  |  |  |  |  | 173,240 |  |  |  | 451 |  |  |  | 5,640 |  |  |  | - |  |  |  | 179,331 |
Commercial and industrial loans |  |  |  |  |  |  | 1,075,124 |  |  |  | 36,782 |  |  |  | 46,845 |  |  |  | 4,411 |  |  |  | 1,163,162 |
Consumer loans |  |  |  |  |  |  | 343 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 343 |
Other loans |  |  |  |  |  |  | 620,563 |  |  |  | 4 |  |  |  | 611 |  |  |  | 825 |  |  |  | 622,003 |
|  |  |  |  |  | $ | 3,584,068 |  |  | $ | 74,793 |  |  | $ | 241,981 |  |  | $ | 5,276 |  |  | $ | 3,906,118 |
|  | Consumer Loans |  |  |  |
|  |  |  |  | Past Due |  |  | Past Due Greater |  |  |  |  |  |  |  |  |  |
|  | Current |  |  | 30-89 Days |  |  | Than 90 days |  |  | Nonaccrual |  |  | Subtotal |  |  | Total LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 45,790 |  |  | $ | 353 |  |  | $ | - |  |  | $ | 892 |  |  | $ | 47,035 |  |  | $ | 460,599 |
Secured by 1-4 family residential properties |  |  | 1,349,926 |  |  |  | 10,335 |  |  |  | 2,683 |  |  |  | 17,344 |  |  |  | 1,380,288 |  |  |  | 1,511,514 |
Secured by nonfarm, nonresidential properties |  |  | 1,047 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,047 |  |  |  | 1,397,536 |
Other |  |  | 5,416 |  |  |  | 33 |  |  |  | - |  |  |  | 24 |  |  |  | 5,473 |  |  |  | 184,804 |
Commercial and industrial loans |  |  | 464 |  |  |  | 45 |  |  |  | - |  |  |  | 10 |  |  |  | 519 |  |  |  | 1,163,681 |
Consumer loans |  |  | 176,663 |  |  |  | 4,246 |  |  |  | 234 |  |  |  | 410 |  |  |  | 181,553 |  |  |  | 181,896 |
Other loans |  |  | 5,930 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5,930 |  |  |  | 627,933 |
|  | $ | 1,585,236 |  |  | $ | 15,012 |  |  | $ | 2,917 |  |  | $ | 18,680 |  |  | $ | 1,621,845 |  |  | $ | 5,527,963 |
|  | December 31, 2011 |
|  |  |  |  |  | Commercial Loans |
|  |  |  |  |  | Pass - |  |  | Special Mention - |  |  | Substandard - |  |  | Doubtful - |  |  |  |
|  |  |  |  |  | Categories 1-6 |  |  | Category 7 |  |  | Category 8 |  |  | Category 9 |  |  | Subtotal |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  |  |  |  |  | $ | 308,618 |  |  | $ | 26,273 |  |  | $ | 90,175 |  |  | $ | 116 |  |  | $ | 425,182 |
Secured by 1-4 family residential properties |  |  |  |  |  |  | 119,155 |  |  |  | 142 |  |  |  | 16,324 |  |  |  | - |  |  |  | 135,621 |
Secured by nonfarm, nonresidential properties |  |  |  |  |  |  | 1,287,886 |  |  |  | 26,232 |  |  |  | 110,472 |  |  |  | 51 |  |  |  | 1,424,641 |
Other |  |  |  |  |  |  | 188,772 |  |  |  | 130 |  |  |  | 9,312 |  |  |  | - |  |  |  | 198,214 |
Commercial and industrial loans |  |  |  |  |  |  | 1,048,556 |  |  |  | 32,046 |  |  |  | 56,577 |  |  |  | 405 |  |  |  | 1,137,584 |
Consumer loans |  |  |  |  |  |  | 643 |  |  |  | 25 |  |  |  | - |  |  |  | - |  |  |  | 668 |
Other loans |  |  |  |  |  |  | 600,411 |  |  |  | - |  |  |  | 1,834 |  |  |  | 600 |  |  |  | 602,845 |
|  |  |  |  |  | $ | 3,554,041 |  |  | $ | 84,848 |  |  | $ | 284,694 |  |  | $ | 1,172 |  |  | $ | 3,924,755 |
|  | Consumer Loans |  |  |  |
|  |  |  |  | Past Due |  |  | Past Due Greater |  |  |  |  |  |  |  |  |  |
|  | Current |  |  | 30-89 Days |  |  | Than 90 days |  |  | Nonaccrual |  |  | Subtotal |  |  | Total LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 47,253 |  |  | $ | 353 |  |  | $ | - |  |  | $ | 1,294 |  |  | $ | 48,900 |  |  | $ | 474,082 |
Secured by 1-4 family residential properties |  |  | 1,596,800 |  |  |  | 8,477 |  |  |  | 1,306 |  |  |  | 18,726 |  |  |  | 1,625,309 |  |  |  | 1,760,930 |
Secured by nonfarm, nonresidential properties |  |  | 1,133 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,133 |  |  |  | 1,425,774 |
Other |  |  | 6,405 |  |  |  | 201 |  |  |  | - |  |  |  | 29 |  |  |  | 6,635 |  |  |  | 204,849 |
Commercial and industrial loans |  |  | 1,626 |  |  |  | 118 |  |  |  | - |  |  |  | 37 |  |  |  | 1,781 |  |  |  | 1,139,365 |
Consumer loans |  |  | 234,593 |  |  |  | 7,172 |  |  |  | 498 |  |  |  | 825 |  |  |  | 243,088 |  |  |  | 243,756 |
Other loans |  |  | 5,848 |  |  |  | 35 |  |  |  | - |  |  |  | - |  |  |  | 5,883 |  |  |  | 608,728 |
|  | $ | 1,893,658 |  |  | $ | 16,356 |  |  | $ | 1,804 |  |  | $ | 20,911 |  |  | $ | 1,932,729 |  |  | $ | 5,857,484 |
Aging Analysis of Past Due Loans and Nonaccrual Loans, excluding Covered Loans By Class | LHFI past due 90 days or more totaled $5.7 million and $4.2 million at September 30, 2012 and December 31, 2011, respectively. The following table provides an aging analysis of past due and nonaccrual LHFI by class at September 30, 2012 and December 31, 2011 ($ in thousands):
|  | September 30, 2012 |
|  | Past Due |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Greater than |  |  |  |  |  |  |  |  | Current |  |  |  |
|  | 30-89 Days |  |  | 90 Days (1) |  |  | Total |  |  | Nonaccrual |  |  | Loans |  |  | Total LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 1,762 |  |  | $ | - |  |  | $ | 1,762 |  |  | $ | 26,077 |  |  | $ | 432,760 |  |  | $ | 460,599 |
Secured by 1-4 family residential properties |  |  | 12,672 |  |  |  | 2,843 |  |  |  | 15,515 |  |  |  | 24,260 |  |  |  | 1,471,739 |  |  |  | 1,511,514 |
Secured by nonfarm, nonresidential properties |  |  | 3,364 |  |  |  | 91 |  |  |  | 3,455 |  |  |  | 18,873 |  |  |  | 1,375,208 |  |  |  | 1,397,536 |
Other |  |  | 184 |  |  |  | - |  |  |  | 184 |  |  |  | 3,900 |  |  |  | 180,720 |  |  |  | 184,804 |
Commercial and industrial loans |  |  | 3,861 |  |  |  | 2,532 |  |  |  | 6,393 |  |  |  | 6,215 |  |  |  | 1,151,073 |  |  |  | 1,163,681 |
Consumer loans |  |  | 4,246 |  |  |  | 233 |  |  |  | 4,479 |  |  |  | 411 |  |  |  | 177,006 |  |  |  | 181,896 |
Other loans |  |  | 74 |  |  |  | - |  |  |  | 74 |  |  |  | 922 |  |  |  | 626,937 |  |  |  | 627,933 |
Total past due LHFI |  | $ | 26,163 |  |  | $ | 5,699 |  |  | $ | 31,862 |  |  | $ | 80,658 |  |  | $ | 5,415,443 |  |  | $ | 5,527,963 |
(1) | - Past due greater than 90 days but still accruing interest.
|  | December 31, 2011 |
|  | Past Due |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Greater than |  |  |  |  |  |  |  |  | Current |  |  |  |
|  | 30-89 Days |  |  | 90 Days (1) |  |  | Total |  |  | Nonaccrual |  |  | Loans |  |  | Total LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 1,784 |  |  | $ | 1,657 |  |  | $ | 3,441 |  |  | $ | 40,413 |  |  | $ | 430,228 |  |  | $ | 474,082 |
Secured by 1-4 family residential properties |  |  | 9,755 |  |  |  | 1,306 |  |  |  | 11,061 |  |  |  | 24,348 |  |  |  | 1,725,521 |  |  |  | 1,760,930 |
Secured by nonfarm, nonresidential properties |  |  | 9,925 |  |  |  | - |  |  |  | 9,925 |  |  |  | 23,981 |  |  |  | 1,391,868 |  |  |  | 1,425,774 |
Other |  |  | 879 |  |  |  | - |  |  |  | 879 |  |  |  | 5,871 |  |  |  | 198,099 |  |  |  | 204,849 |
Commercial and industrial loans |  |  | 1,646 |  |  |  | 769 |  |  |  | 2,415 |  |  |  | 14,148 |  |  |  | 1,122,802 |  |  |  | 1,139,365 |
Consumer loans |  |  | 7,172 |  |  |  | 498 |  |  |  | 7,670 |  |  |  | 825 |  |  |  | 235,261 |  |  |  | 243,756 |
Other loans |  |  | 3,104 |  |  |  | - |  |  |  | 3,104 |  |  |  | 872 |  |  |  | 604,752 |  |  |  | 608,728 |
Total past due LHFI |  | $ | 34,265 |  |  | $ | 4,230 |  |  | $ | 38,495 |  |  | $ | 110,458 |  |  | $ | 5,708,531 |  |  | $ | 5,857,484 |
(1) | - Past due greater than 90 days but still accruing interest.
Change in Allowance For Loan Losses | The measure for each qualitative factor is converted to a scale ranging from 0 (No risk) to 100 (High Risk), other than the last two factors, which are applied on a dollar-for-dollar basis, to ensure that the combination of such factors is proportional. The resulting ratings from the individual factors are weighted and summed to establish the weighted average qualitative factor of a specific loan portfolio within each key market region. This weighted average qualitative factor is then distributed over the nine primary loan pools within each key market region based on the ranking by risk of each. Changes in the allowance for loan losses, LHFI were as follows ($ in thousands):
|  | Nine Months Ended September 30, |
|  | 2012 |  |  | 2011 |
Balance at January 1, |  | $ | 89,518 |  |  | $ | 93,510 |
Loans charged-off |  |  | (22,547 | ) |  |  | (37,312 | )
Recoveries |  |  | 9,254 |  |  |  | 9,634 |
Net charge-offs |  |  | (13,293 | ) |  |  | (27,678 | )
Provision for loan losses, LHFI |  |  | 7,301 |  |  |  | 23,631 |
Balance at September 30, |  | $ | 83,526 |  |  | $ | 89,463 |
The following tables detail the balance in the allowance for loan losses, LHFI by portfolio segment at September 30, 2012 and 2011, respectively ($ in thousands):
|  | 2012 |
|  | Balance |  |  |  |  |  |  |  |  | Provision for |  |  | Balance |
|  | January 1, |  |  | Charge-offs |  |  | Recoveries |  |  | Loan Losses |  |  | September 30, |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 27,220 |  |  | $ | (2,944 | ) |  | $ | - |  |  | $ | (1,732 | ) |  | $ | 22,544 |
Secured by 1-4 family residential properties |  |  | 12,650 |  |  |  | (3,238 | ) |  |  | 364 |  |  |  | 2,203 |  |  |  | 11,979 |
Secured by nonfarm, nonresidential properties |  |  | 24,358 |  |  |  | (5,409 | ) |  |  | - |  |  |  | 3,823 |  |  |  | 22,772 |
Other |  |  | 3,079 |  |  |  | (1,602 | ) |  |  | - |  |  |  | 733 |  |  |  | 2,210 |
Commercial and industrial loans |  |  | 15,868 |  |  |  | (2,985 | ) |  |  | 2,123 |  |  |  | 3,428 |  |  |  | 18,434 |
Consumer loans |  |  | 3,656 |  |  |  | (2,360 | ) |  |  | 4,189 |  |  |  | (2,620 | ) |  |  | 2,865 |
Other loans |  |  | 2,687 |  |  |  | (4,009 | ) |  |  | 2,578 |  |  |  | 1,466 |  |  |  | 2,722 |
Total allowance for loan losses, LHFI |  | $ | 89,518 |  |  | $ | (22,547 | ) |  | $ | 9,254 |  |  | $ | 7,301 |  |  | $ | 83,526 |
|  | Disaggregated by Impairment Method |
|  | Individually |  |  | Collectively |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 4,829 |  |  | $ | 17,715 |  |  | $ | 22,544 |
Secured by 1-4 family residential properties |  |  | 1,373 |  |  |  | 10,606 |  |  |  | 11,979 |
Secured by nonfarm, nonresidential properties |  |  | 3,259 |  |  |  | 19,513 |  |  |  | 22,772 |
Other |  |  | 855 |  |  |  | 1,355 |  |  |  | 2,210 |
Commercial and industrial loans |  |  | 2,995 |  |  |  | 15,439 |  |  |  | 18,434 |
Consumer loans |  |  | 4 |  |  |  | 2,861 |  |  |  | 2,865 |
Other loans |  |  | 336 |  |  |  | 2,386 |  |  |  | 2,722 |
Total allowance for loan losses, LHFI |  | $ | 13,651 |  |  | $ | 69,875 |  |  | $ | 83,526 |
|  | 2011 |
|  | Balance |  |  |  |  |  |  |  |  | Provision for |  |  | Balance |
|  | January 1, |  |  | Charge-offs |  |  | Recoveries |  |  | Loan Losses |  |  | September 30, |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 35,562 |  |  | $ | (14,375 | ) |  | $ | - |  |  | $ | 8,353 |  |  | $ | 29,540 |
Secured by 1-4 family residential properties |  |  | 13,051 |  |  |  | (7,461 | ) |  |  | 410 |  |  |  | 5,538 |  |  |  | 11,538 |
Secured by nonfarm, nonresidential properties |  |  | 20,980 |  |  |  | (3,124 | ) |  |  | - |  |  |  | 4,882 |  |  |  | 22,738 |
Other |  |  | 1,582 |  |  |  | (577 | ) |  |  | - |  |  |  | 1,969 |  |  |  | 2,974 |
Commercial and industrial loans |  |  | 14,775 |  |  |  | (3,811 | ) |  |  | 2,259 |  |  |  | 2,529 |  |  |  | 15,752 |
Consumer loans |  |  | 5,400 |  |  |  | (4,410 | ) |  |  | 4,475 |  |  |  | (1,474 | ) |  |  | 3,991 |
Other loans |  |  | 2,160 |  |  |  | (3,554 | ) |  |  | 2,490 |  |  |  | 1,834 |  |  |  | 2,930 |
Total allowance for loan losses, LHFI |  | $ | 93,510 |  |  | $ | (37,312 | ) |  | $ | 9,634 |  |  | $ | 23,631 |  |  | $ | 89,463 |
|  | Disaggregated by Impairment Method |
|  | Individually |  |  | Collectively |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 4,165 |  |  | $ | 25,375 |  |  | $ | 29,540 |
Secured by 1-4 family residential properties |  |  | 540 |  |  |  | 10,998 |  |  |  | 11,538 |
Secured by nonfarm, nonresidential properties |  |  | 1,510 |  |  |  | 21,228 |  |  |  | 22,738 |
Other |  |  | 1,008 |  |  |  | 1,966 |  |  |  | 2,974 |
Commercial and industrial loans |  |  | 1,454 |  |  |  | 14,298 |  |  |  | 15,752 |
Consumer loans |  |  | 10 |  |  |  | 3,981 |  |  |  | 3,991 |
Other loans |  |  | 275 |  |  |  | 2,655 |  |  |  | 2,930 |
Total allowance for loan losses, LHFI |  | $ | 8,962 |  |  | $ | 80,501 |  |  | $ | 89,463 |

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