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Loans Held for Investment (LHFI) and Allowance for Loan Losses, LHFI (Tables) | 6 Months Ended
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Jun. 30, 2015
Loans Held for Investment (LHFI) and Allowance for Loan Losses, LHFI [Abstract] |
Loan portfolio held for investment | At June 30, 2015 and December 31, 2014, LHFI consisted of the following ($ in thousands):
|  | June 30, 2015 |  |  | December 31, 2014 |
Loans secured by real estate: |  |  |  |  |  |
Construction, land development and other land |  | $ | 682,444 |  |  | $ | 619,877 |
Secured by 1-4 family residential properties |  |  | 1,637,933 |  |  |  | 1,634,397 |
Secured by nonfarm, nonresidential properties |  |  | 1,567,035 |  |  |  | 1,553,193 |
Other real estate secured |  |  | 240,056 |  |  |  | 253,787 |
Commercial and industrial loans |  |  | 1,219,684 |  |  |  | 1,270,350 |
Consumer loans |  |  | 165,215 |  |  |  | 167,964 |
State and other political subdivision loans |  |  | 574,265 |  |  |  | 602,727 |
Other loans |  |  | 360,441 |  |  |  | 347,174 |
LHFI |  |  | 6,447,073 |  |  |  | 6,449,469 |
Less allowance for loan losses, LHFI |  |  | 71,166 |  |  |  | 69,616 |
Net LHFI |  | $ | 6,375,907 |  |  | $ | 6,379,853 |
Summary of LHFI evaluated for impairment | The following tables detail LHFI individually and collectively evaluated for impairment at June 30, 2015 and December 31, 2014 ($ in thousands):
|  | June 30, 2015 |
|  | LHFI Evaluated for Impairment |
|  | Individually |  |  | Collectively |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 10,888 |  |  | $ | 671,556 |  |  | $ | 682,444 |
Secured by 1-4 family residential properties |  |  | 24,882 |  |  |  | 1,613,051 |  |  |  | 1,637,933 |
Secured by nonfarm, nonresidential properties |  |  | 19,030 |  |  |  | 1,548,005 |  |  |  | 1,567,035 |
Other real estate secured |  |  | 610 |  |  |  | 239,446 |  |  |  | 240,056 |
Commercial and industrial loans |  |  | 12,411 |  |  |  | 1,207,273 |  |  |  | 1,219,684 |
Consumer loans |  |  | 44 |  |  |  | 165,171 |  |  |  | 165,215 |
State and other political subdivision loans |  |  | - |  |  |  | 574,265 |  |  |  | 574,265 |
Other loans |  |  | 573 |  |  |  | 359,868 |  |  |  | 360,441 |
Total |  | $ | 68,438 |  |  | $ | 6,378,635 |  |  | $ | 6,447,073 |
|  | December 31, 2014 |
|  | LHFI Evaluated for Impairment |
|  | Individually |  |  | Collectively |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 13,867 |  |  | $ | 606,010 |  |  | $ | 619,877 |
Secured by 1-4 family residential properties |  |  | 25,621 |  |  |  | 1,608,776 |  |  |  | 1,634,397 |
Secured by nonfarm, nonresidential properties |  |  | 25,717 |  |  |  | 1,527,476 |  |  |  | 1,553,193 |
Other real estate secured |  |  | 1,318 |  |  |  | 252,469 |  |  |  | 253,787 |
Commercial and industrial loans |  |  | 12,104 |  |  |  | 1,258,246 |  |  |  | 1,270,350 |
Consumer loans |  |  | 88 |  |  |  | 167,876 |  |  |  | 167,964 |
State and other political subdivision loans |  |  | - |  |  |  | 602,727 |  |  |  | 602,727 |
Other loans |  |  | 628 |  |  |  | 346,546 |  |  |  | 347,174 |
Total |  | $ | 79,343 |  |  | $ | 6,370,126 |  |  | $ | 6,449,469 |
Impaired financing receivables | At June 30, 2015 and December 31, 2014, the carrying amount of LHFI individually evaluated for impairment consisted of the following ($ in thousands):
|  | June 30, 2015 |
|  | LHFI |  |  |  |  |  |  |
|  | Unpaid Principal Balance |  |  | With No Related Allowance Recorded |  |  | With an Allowance Recorded |  |  | Total Carrying Amount |  |  | Related Allowance |  |  | Average Recorded Investment |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 17,580 |  |  | $ | 4,918 |  |  | $ | 5,970 |  |  | $ | 10,888 |  |  | $ | 3,007 |  |  | $ | 12,378 |
Secured by 1-4 family residential properties |  |  | 30,483 |  |  |  | 1,291 |  |  |  | 23,591 |  |  |  | 24,882 |  |  |  | 469 |  |  |  | 25,251 |
Secured by nonfarm, nonresidential properties |  |  | 20,663 |  |  |  | 6,727 |  |  |  | 12,303 |  |  |  | 19,030 |  |  |  | 3,295 |  |  |  | 22,373 |
Other real estate secured |  |  | 704 |  |  |  | - |  |  |  | 610 |  |  |  | 610 |  |  |  | 46 |  |  |  | 964 |
Commercial and industrial loans |  |  | 13,290 |  |  |  | 1,428 |  |  |  | 10,983 |  |  |  | 12,411 |  |  |  | 7,196 |  |  |  | 12,258 |
Consumer loans |  |  | 86 |  |  |  | - |  |  |  | 44 |  |  |  | 44 |  |  |  | - |  |  |  | 66 |
State and other political subdivision loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other loans |  |  | 694 |  |  |  | - |  |  |  | 573 |  |  |  | 573 |  |  |  | 207 |  |  |  | 601 |
Total |  | $ | 83,500 |  |  | $ | 14,364 |  |  | $ | 54,074 |  |  | $ | 68,438 |  |  | $ | 14,220 |  |  | $ | 73,891 |
|  | December 31, 2014 |
|  | LHFI |  |  |  |  |  |  |
|  | Unpaid Principal Balance |  |  | With No Related Allowance Recorded |  |  | With an Allowance Recorded |  |  | Total Carrying Amount |  |  | Related Allowance |  |  | Average Recorded Investment |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 20,849 |  |  | $ | 7,411 |  |  | $ | 6,456 |  |  | $ | 13,867 |  |  | $ | 2,767 |  |  | $ | 13,597 |
Secured by 1-4 family residential properties |  |  | 31,151 |  |  |  | 1,650 |  |  |  | 23,971 |  |  |  | 25,621 |  |  |  | 450 |  |  |  | 23,612 |
Secured by nonfarm, nonresidential properties |  |  | 27,969 |  |  |  | 12,868 |  |  |  | 12,849 |  |  |  | 25,717 |  |  |  | 2,787 |  |  |  | 23,763 |
Other real estate secured |  |  | 1,594 |  |  |  | - |  |  |  | 1,318 |  |  |  | 1,318 |  |  |  | 52 |  |  |  | 1,322 |
Commercial and industrial loans |  |  | 13,916 |  |  |  | 1,206 |  |  |  | 10,898 |  |  |  | 12,104 |  |  |  | 6,449 |  |  |  | 9,195 |
Consumer loans |  |  | 152 |  |  |  | - |  |  |  | 88 |  |  |  | 88 |  |  |  | - |  |  |  | 120 |
State and other political subdivision loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other loans |  |  | 734 |  |  |  | - |  |  |  | 628 |  |  |  | 628 |  |  |  | 259 |  |  |  | 682 |
Total |  | $ | 96,365 |  |  | $ | 23,135 |  |  | $ | 56,208 |  |  | $ | 79,343 |  |  | $ | 12,764 |  |  | $ | 72,291 |
Impact of modifications classified as troubled debt restructurings | The following tables illustrate the impact of modifications classified as TDRs as well as those TDRs modified within the last 12 months for which there was a payment default during the period for the periods presented ($ in thousands):
|  | Three Months Ended June 30, |
|  | 2015 |  |  | 2014 |
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 |
Secured by 1-4 family residential properties |  |  | 2 |  |  | $ | 82 |  |  | $ | 82 |  |  |  | 4 |  |  | $ | 278 |  |  | $ | 273 |
Secured by nonfarm, nonresidential properties |  |  | 4 |  |  |  | 3,512 |  |  |  | 3,512 |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  |  | 6 |  |  | $ | 3,594 |  |  | $ | 3,594 |  |  |  | 4 |  |  | $ | 278 |  |  | $ | 273 |
|  | Six Months Ended June 30, |
|  | 2015 |  |  | 2014 |
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 |
Secured by 1-4 family residential properties |  |  | 8 |  |  | $ | 460 |  |  | $ | 460 |  |  |  | 14 |  |  | $ | 981 |  |  | $ | 967 |
Secured by nonfarm, nonresidential properties |  |  | 4 |  |  |  | 3,512 |  |  |  | 3,512 |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  |  | 12 |  |  | $ | 3,972 |  |  | $ | 3,972 |  |  |  | 14 |  |  | $ | 981 |  |  | $ | 967 |
Troubled debt restructuring subsequently defaulted |
|  | Six Months Ended June 30, |
|  | 2015 |  |  | 2014 |
Troubled Debt Restructurings that Subsequently Defaulted |  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
Secured by 1-4 family residential properties |  |  | 4 |  |  | $ | 245 |  |  |  | 1 |  |  | $ | 108 |
Troubled debt restructuring related to loans held for investment, excluding covered loans, by loan type | The following tables detail LHFI classified as TDRs by loan type at June 30, 2015 and 2014 ($ in thousands):
|  | June 30, 2015 |
|  | Accruing |  |  | Nonaccrual |  |  | Total |
Construction, land development and other land loans |  | $ | - |  |  | $ | 1,664 |  |  | $ | 1,664 |
Secured by 1-4 family residential properties |  |  | 1,635 |  |  |  | 2,795 |  |  |  | 4,430 |
Secured by nonfarm, nonresidential properties |  |  | 828 |  |  |  | 4,584 |  |  |  | 5,412 |
Other loans secured by real estate |  |  | - |  |  |  | 62 |  |  |  | 62 |
Commercial and industrial |  |  | - |  |  |  | 495 |  |  |  | 495 |
Total Troubled Debt Restructurings by Type |  | $ | 2,463 |  |  | $ | 9,600 |  |  | $ | 12,063 |
|  | June 30, 2014 |
|  | Accruing |  |  | Nonaccrual |  |  | Total |
Construction, land development and other land loans |  | $ | - |  |  | $ | 4,521 |  |  | $ | 4,521 |
Secured by 1-4 family residential properties |  |  | 1,543 |  |  |  | 3,873 |  |  |  | 5,416 |
Secured by nonfarm, nonresidential properties |  |  | - |  |  |  | 1,979 |  |  |  | 1,979 |
Other loans secured by real estate |  |  | - |  |  |  | 159 |  |  |  | 159 |
Commercial and industrial |  |  | - |  |  |  | 531 |  |  |  | 531 |
Total Troubled Debt Restructurings by Type |  | $ | 1,543 |  |  | $ | 11,063 |  |  | $ | 12,606 |
Carrying amount of loans by credit quality indicator | The tables below illustrate the carrying amount of LHFI by credit quality indicator at June 30, 2015 and December 31, 2014 ($ in thousands):
| June 30, 2015 |
|  |  | Commercial LHFI |
|  |  | Pass - Categories 1-6 |  |  | Special Mention - Category 7 |  |  | Substandard - Category 8 |  |  | Doubtful - Category 9 |  |  | Subtotal |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  |  | $ | 587,766 |  |  | $ | 548 |  |  | $ | 30,090 |  |  | $ | 458 |  |  | $ | 618,862 |
Secured by 1-4 family residential properties |  |  |  | 125,262 |  |  |  | 845 |  |  |  | 8,097 |  |  |  | 126 |  |  |  | 134,330 |
Secured by nonfarm, nonresidential properties |  |  |  | 1,499,458 |  |  |  | 1,268 |  |  |  | 65,107 |  |  |  | 361 |  |  |  | 1,566,194 |
Other real estate secured |  |  |  | 233,130 |  |  |  | 255 |  |  |  | 4,874 |  |  |  | - |  |  |  | 238,259 |
Commercial and industrial loans |  |  |  | 1,174,226 |  |  |  | 9,825 |  |  |  | 35,050 |  |  |  | 583 |  |  |  | 1,219,684 |
Consumer loans |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
State and other political subdivision loans |  |  |  | 558,055 |  |  |  | 7,000 |  |  |  | 9,210 |  |  |  | - |  |  |  | 574,265 |
Other loans |  |  |  | 351,708 |  |  |  | - |  |  |  | 987 |  |  |  | 428 |  |  |  | 353,123 |
Total |  |  | $ | 4,529,605 |  |  | $ | 19,741 |  |  | $ | 153,415 |  |  | $ | 1,956 |  |  | $ | 4,704,717 |
|  | Consumer LHFI |  |  |  |
|  | Current |  |  | Past Due 30-89 Days |  |  | Past Due 90 Days or More |  |  | Nonaccrual |  |  | Subtotal |  |  | Total LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 63,093 |  |  | $ | 460 |  |  | $ | - |  |  | $ | 29 |  |  | $ | 63,582 |  |  | $ | 682,444 |
Secured by 1-4 family residential properties |  |  | 1,470,417 |  |  |  | 10,493 |  |  |  | 1,515 |  |  |  | 21,178 |  |  |  | 1,503,603 |  |  |  | 1,637,933 |
Secured by nonfarm, nonresidential properties |  |  | 841 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 841 |  |  |  | 1,567,035 |
Other real estate secured |  |  | 1,797 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,797 |  |  |  | 240,056 |
Commercial and industrial loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,219,684 |
Consumer loans |  |  | 163,495 |  |  |  | 1,421 |  |  |  | 256 |  |  |  | 43 |  |  |  | 165,215 |  |  |  | 165,215 |
State and other political subdivision loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 574,265 |
Other loans |  |  | 7,318 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 7,318 |  |  |  | 360,441 |
Total |  | $ | 1,706,961 |  |  | $ | 12,374 |  |  | $ | 1,771 |  |  | $ | 21,250 |  |  | $ | 1,742,356 |  |  | $ | 6,447,073 |
| December 31, 2014 |
|  |  | Commercial LHFI |
|  |  | Pass - Categories 1-6 |  |  | Special Mention - Category 7 |  |  | Substandard - Category 8 |  |  | Doubtful - Category 9 |  |  | Subtotal |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  |  | $ | 518,944 |  |  | $ | 479 |  |  | $ | 37,022 |  |  | $ | 196 |  |  | $ | 556,641 |
Secured by 1-4 family residential properties |  |  |  | 125,203 |  |  |  | 1,652 |  |  |  | 7,483 |  |  |  | 213 |  |  |  | 134,551 |
Secured by nonfarm, nonresidential properties |  |  |  | 1,462,226 |  |  |  | 8,431 |  |  |  | 81,661 |  |  |  | - |  |  |  | 1,552,318 |
Other real estate secured |  |  |  | 246,099 |  |  |  | 306 |  |  |  | 4,975 |  |  |  | - |  |  |  | 251,380 |
Commercial and industrial loans |  |  |  | 1,239,247 |  |  |  | 4,245 |  |  |  | 26,133 |  |  |  | 719 |  |  |  | 1,270,344 |
Consumer loans |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
State and other political subdivision loans |  |  |  | 589,653 |  |  |  | 7,550 |  |  |  | 5,524 |  |  |  | - |  |  |  | 602,727 |
Other loans |  |  |  | 338,598 |  |  |  | - |  |  |  | 1,255 |  |  |  | 564 |  |  |  | 340,417 |
Total |  |  | $ | 4,519,970 |  |  | $ | 22,663 |  |  | $ | 164,053 |  |  | $ | 1,692 |  |  | $ | 4,708,378 |
|  | Consumer LHFI |  |  |  |
|  | Current |  |  | Past Due 30-89 Days |  |  | Past Due 90 Days or More |  |  | Nonaccrual |  |  | Subtotal |  |  | Total LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 62,897 |  |  | $ | 199 |  |  | $ | 59 |  |  | $ | 81 |  |  | $ | 63,236 |  |  | $ | 619,877 |
Secured by 1-4 family residential properties |  |  | 1,465,355 |  |  |  | 10,429 |  |  |  | 2,367 |  |  |  | 21,695 |  |  |  | 1,499,846 |  |  |  | 1,634,397 |
Secured by nonfarm, nonresidential properties |  |  | 875 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 875 |  |  |  | 1,553,193 |
Other real estate secured |  |  | 2,407 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,407 |  |  |  | 253,787 |
Commercial and industrial loans |  |  | - |  |  |  | 5 |  |  |  | 1 |  |  |  | - |  |  |  | 6 |  |  |  | 1,270,350 |
Consumer loans |  |  | 165,504 |  |  |  | 2,162 |  |  |  | 211 |  |  |  | 87 |  |  |  | 167,964 |  |  |  | 167,964 |
State and other political subdivision loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 602,727 |
Other loans |  |  | 6,757 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6,757 |  |  |  | 347,174 |
Total |  | $ | 1,703,795 |  |  | $ | 12,795 |  |  | $ | 2,638 |  |  | $ | 21,863 |  |  | $ | 1,741,091 |  |  | $ | 6,449,469 |
Aging analysis of past due loans and Nonaccrual Loans, excluding covered loans by class | The following tables provide an aging analysis of past due and nonaccrual LHFI by class at June 30, 2015 and December 31, 2014 ($ in thousands):
|  | June 30, 2015 |
|  | Past Due |  |  |  |  |  |  |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | 90 Days or More (1) |  |  | Total |  |  | Nonaccrual |  |  | Current Loans |  |  | Total LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 643 |  |  | $ | 48 |  |  | $ | - |  |  | $ | 691 |  |  | $ | 10,888 |  |  | $ | 670,865 |  |  | $ | 682,444 |
Secured by 1-4 family residential properties |  |  | 7,750 |  |  |  | 3,594 |  |  |  | 1,515 |  |  |  | 12,859 |  |  |  | 24,882 |  |  |  | 1,600,192 |  |  |  | 1,637,933 |
Secured by nonfarm, nonresidential properties |  |  | 534 |  |  |  | 94 |  |  |  | - |  |  |  | 628 |  |  |  | 19,030 |  |  |  | 1,547,377 |  |  |  | 1,567,035 |
Other real estate secured |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 610 |  |  |  | 239,446 |  |  |  | 240,056 |
Commercial and industrial loans |  |  | 1,226 |  |  |  | 645 |  |  |  | - |  |  |  | 1,871 |  |  |  | 12,411 |  |  |  | 1,205,402 |  |  |  | 1,219,684 |
Consumer loans |  |  | 1,213 |  |  |  | 208 |  |  |  | 256 |  |  |  | 1,677 |  |  |  | 44 |  |  |  | 163,494 |  |  |  | 165,215 |
State and other political subdivision loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 574,265 |  |  |  | 574,265 |
Other loans |  |  | 305 |  |  |  | - |  |  |  | - |  |  |  | 305 |  |  |  | 573 |  |  |  | 359,563 |  |  |  | 360,441 |
Total |  | $ | 11,671 |  |  | $ | 4,589 |  |  | $ | 1,771 |  |  | $ | 18,031 |  |  | $ | 68,438 |  |  | $ | 6,360,604 |  |  | $ | 6,447,073 |
(1) | Past due 90 days or more but still accruing interest.
|  | December 31, 2014 |
|  | Past Due |  |  |  |  |  |  |  |  |  |
|  | 30-59 Days |  |  | 60-89 Days |  |  | 90 Days or More (1) |  |  | Total |  |  | Nonaccrual |  |  | Current Loans |  |  | Total LHFI |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 248 |  |  | $ | 17 |  |  | $ | 60 |  |  | $ | 325 |  |  | $ | 13,867 |  |  | $ | 605,685 |  |  | $ | 619,877 |
Secured by 1-4 family residential properties |  |  | 8,424 |  |  |  | 2,428 |  |  |  | 2,367 |  |  |  | 13,219 |  |  |  | 25,621 |  |  |  | 1,595,557 |  |  |  | 1,634,397 |
Secured by nonfarm, nonresidential properties |  |  | 1,960 |  |  |  | 34 |  |  |  | - |  |  |  | 1,994 |  |  |  | 25,717 |  |  |  | 1,525,482 |  |  |  | 1,553,193 |
Other real estate secured |  |  | 80 |  |  |  | - |  |  |  | - |  |  |  | 80 |  |  |  | 1,318 |  |  |  | 252,389 |  |  |  | 253,787 |
Commercial and industrial loans |  |  | 2,491 |  |  |  | 306 |  |  |  | 126 |  |  |  | 2,923 |  |  |  | 12,104 |  |  |  | 1,255,323 |  |  |  | 1,270,350 |
Consumer loans |  |  | 1,811 |  |  |  | 351 |  |  |  | 211 |  |  |  | 2,373 |  |  |  | 88 |  |  |  | 165,503 |  |  |  | 167,964 |
State and other political subdivision loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 602,727 |  |  |  | 602,727 |
Other loans |  |  | 132 |  |  |  | 9 |  |  |  | - |  |  |  | 141 |  |  |  | 628 |  |  |  | 346,405 |  |  |  | 347,174 |
Total |  | $ | 15,146 |  |  | $ | 3,145 |  |  | $ | 2,764 |  |  | $ | 21,055 |  |  | $ | 79,343 |  |  | $ | 6,349,071 |  |  | $ | 6,449,469 |
(1) | Past due 90 days or more but still accruing interest.
Change in allowance for loan losses | Changes in the allowance for loan losses, LHFI were as follows for the periods presented ($ in thousands):
|  | Six Months Ended June 30, |
|  | 2015 |  |  | 2014 |
Balance at beginning of period |  | $ | 69,616 |  |  | $ | 66,448 |
Loans charged-off |  |  | (7,282 | ) |  |  | (6,836 | )
Recoveries |  |  | 6,014 |  |  |  | 7,490 |
Net (charge-offs) recoveries |  |  | (1,268 | ) |  |  | 654 |
Provision for loan losses, LHFI |  |  | 2,818 |  |  |  | (454 | )
Balance at end of period |  | $ | 71,166 |  |  | $ | 66,648 |
The following tables detail the balance in the allowance for loan losses, LHFI by portfolio segment at June 30, 2015 and 2014 ($ in thousands):
|  | 2015 |
|  | Balance January 1, |  |  | Charge-offs |  |  | Recoveries |  |  | Provision for Loan Losses |  |  | Balance June 30, |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 13,073 |  |  | $ | (928 | ) |  | $ | 350 |  |  | $ | 1,418 |  |  | $ | 13,913 |
Secured by 1-4 family residential properties |  |  | 9,677 |  |  |  | (1,195 | ) |  |  | 106 |  |  |  | 229 |  |  |  | 8,817 |
Secured by nonfarm, nonresidential properties |  |  | 18,523 |  |  |  | (158 | ) |  |  | 392 |  |  |  | (292 | ) |  |  | 18,465 |
Other real estate secured |  |  | 2,141 |  |  |  | (24 | ) |  |  | 3 |  |  |  | (160 | ) |  |  | 1,960 |
Commercial and industrial loans |  |  | 19,917 |  |  |  | (1,256 | ) |  |  | 1,432 |  |  |  | 2,715 |  |  |  | 22,808 |
Consumer loans |  |  | 2,149 |  |  |  | (1,012 | ) |  |  | 1,897 |  |  |  | (1,150 | ) |  |  | 1,884 |
State and other political subdivision loans |  |  | 1,314 |  |  |  | - |  |  |  | - |  |  |  | (713 | ) |  |  | 601 |
Other loans |  |  | 2,822 |  |  |  | (2,709 | ) |  |  | 1,834 |  |  |  | 771 |  |  |  | 2,718 |
Total allowance for loan losses, LHFI |  | $ | 69,616 |  |  | $ | (7,282 | ) |  | $ | 6,014 |  |  | $ | 2,818 |  |  | $ | 71,166 |
|  | Disaggregated by Impairment Method |
|  | Individually |  |  | Collectively |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |
Construction, land development and other land |  | $ | 3,007 |  |  | $ | 10,906 |  |  | $ | 13,913 |
Secured by 1-4 family residential properties |  |  | 469 |  |  |  | 8,348 |  |  |  | 8,817 |
Secured by nonfarm, nonresidential properties |  |  | 3,295 |  |  |  | 15,170 |  |  |  | 18,465 |
Other real estate secured |  |  | 46 |  |  |  | 1,914 |  |  |  | 1,960 |
Commercial and industrial loans |  |  | 7,196 |  |  |  | 15,612 |  |  |  | 22,808 |
Consumer loans |  |  | - |  |  |  | 1,884 |  |  |  | 1,884 |
State and other political subdivision loans |  |  | - |  |  |  | 601 |  |  |  | 601 |
Other loans |  |  | 207 |  |  |  | 2,511 |  |  |  | 2,718 |
Total allowance for loan losses, LHFI |  | $ | 14,220 |  |  | $ | 56,946 |  |  | $ | 71,166 |
|  | 2014 |
|  | Balance January 1, |  |  | Charge-offs |  |  | Recoveries |  |  | Provision for Loan Losses |  |  | Balance June 30, |
Loans secured by real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 13,165 |  |  | $ | (76 | ) |  | $ | 3,217 |  |  | $ | (5,271 | ) |  | $ | 11,035 |
Secured by 1-4 family residential properties |  |  | 9,633 |  |  |  | (1,634 | ) |  |  | 255 |  |  |  | 2,200 |  |  |  | 10,454 |
Secured by nonfarm, nonresidential properties |  |  | 19,672 |  |  |  | (240 | ) |  |  | 94 |  |  |  | (942 | ) |  |  | 18,584 |
Other real estate secured |  |  | 2,080 |  |  |  | (262 | ) |  |  | - |  |  |  | 645 |  |  |  | 2,463 |
Commercial and industrial loans |  |  | 15,522 |  |  |  | (1,656 | ) |  |  | 286 |  |  |  | 2,788 |  |  |  | 16,940 |
Consumer loans |  |  | 2,405 |  |  |  | (883 | ) |  |  | 1,973 |  |  |  | (1,161 | ) |  |  | 2,334 |
State and other political subdivision loans |  |  | 1,205 |  |  |  | - |  |  |  | - |  |  |  | 701 |  |  |  | 1,906 |
Other loans |  |  | 2,766 |  |  |  | (2,085 | ) |  |  | 1,665 |  |  |  | 586 |  |  |  | 2,932 |
Total allowance for loan losses, LHFI |  | $ | 66,448 |  |  | $ | (6,836 | ) |  | $ | 7,490 |  |  | $ | (454 | ) |  | $ | 66,648 |
|  | Disaggregated by Impairment Method |
|  | Individually |  |  | Collectively |  |  | Total |
Loans secured by real estate: |  |  |  |  |  |  |  |  |
Construction, land development and other land loans |  | $ | 2,895 |  |  | $ | 8,140 |  |  | $ | 11,035 |
Secured by 1-4 family residential properties |  |  | 308 |  |  |  | 10,146 |  |  |  | 10,454 |
Secured by nonfarm, nonresidential properties |  |  | 1,642 |  |  |  | 16,942 |  |  |  | 18,584 |
Other real estate secured |  |  | 53 |  |  |  | 2,410 |  |  |  | 2,463 |
Commercial and industrial loans |  |  | 884 |  |  |  | 16,056 |  |  |  | 16,940 |
Consumer loans |  |  | - |  |  |  | 2,334 |  |  |  | 2,334 |
State and other political subdivision loans |  |  | - |  |  |  | 1,906 |  |  |  | 1,906 |
Other loans |  |  | 259 |  |  |  | 2,673 |  |  |  | 2,932 |
Total allowance for loan losses, LHFI |  | $ | 6,041 |  |  | $ | 60,607 |  |  | $ | 66,648 |

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