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Loans and Allowance for Loan and Lease Losses (Tables)

6 Months Ended

Jun. 30, 2017

Loans And Leases Receivable Disclosure [Abstract]

Schedule of Recorded Investment and Unpaid Principal

The following table presents the recorded investment and unpaid principal for loans at June 30, 2017 and December 31, 2016:

		June 30, 2017												December 31, 2016
		Recorded				Unpaid								Recorded				Unpaid
(Dollars in thousands)		Investment				Principal				Difference				Investment				Principal				Difference
Commercial real estate		$	541,217			$	546,617			$	(5,400	)		$	442,237			$	447,926			$	(5,689	)
Construction, land development, land			120,253				122,119				(1,866	)			109,812				113,211				(3,399	)
1-4 family residential properties			101,833				103,366				(1,533	)			104,974				106,852				(1,878	)
Farmland			136,258				137,307				(1,049	)			141,615				142,673				(1,058	)
Commercial			842,715				846,091				(3,376	)			778,643				783,349				(4,706	)
Factored receivables			293,633				295,246				(1,613	)			238,198				239,432				(1,234	)
Consumer			29,497				29,512				(15	)			29,764				29,782				(18	)
Mortgage warehouse			229,694				229,694				—				182,381				182,381				—
Total			2,295,100			$	2,309,952			$	(14,852	)			2,027,624			$	2,045,606			$	(17,982	)
Allowance for loan and lease losses			(19,797	)											(15,405	)
		$	2,275,303											$	2,012,219

Summary of Allowance for Loan and Lease Losses

Allowance for Loan and Lease Losses    

The activity in the allowance for loan and lease losses (“ALLL”) during the three and six months ended June 30, 2017 and 2016 is as follows:

(Dollars in thousands)		Beginning																Ending
Three months ended June 30, 2017		Balance				Provision				Charge-offs				Recoveries				Balance
Commercial real estate		$	2,243			$	263			$	—			$	—			$	2,506
Construction, land development, land			566				512				(163	)			—				915
1-4 family residential properties			160				(25	)			—				14				149
Farmland			214				47				—				—				261
Commercial			11,177				(504	)			(226	)			156				10,603
Factored receivables			4,064				814				(386	)			15				4,507
Consumer			547				233				(308	)			155				627
Mortgage warehouse			122				107				—				—				229
		$	19,093			$	1,447			$	(1,083	)		$	340			$	19,797
(Dollars in thousands)		Beginning																Ending
Three months ended June 30, 2016		Balance				Provision				Charge-offs				Recoveries				Balance
Commercial real estate		$	1,619			$	161			$	(1	)		$	13			$	1,792
Construction, land development, land			198				(17	)			—				—				181
1-4 family residential properties			285				(50	)			(47	)			71				259
Farmland			133				10				—				—				143
Commercial			5,331				1,134				(169	)			401				6,697
Factored receivables			4,110				524				(450	)			20				4,204
Consumer			222				169				(112	)			14				293
Mortgage warehouse			195				8				—				—				203
		$	12,093			$	1,939			$	(779	)		$	519			$	13,772

(Dollars in thousands)		Beginning																Ending
Six months ended June 30, 2017		Balance				Provision				Charge-offs				Recoveries				Balance
Commercial real estate		$	1,813			$	830			$	(137	)		$	—			$	2,506
Construction, land development, land			465				1,025				(582	)			7				915
1-4 family residential properties			253				(95	)			(28	)			19				149
Farmland			170				91				—				—				261
Commercial			8,014				5,289				(3,078	)			378				10,603
Factored receivables			4,088				1,333				(966	)			52				4,507
Consumer			420				605				(607	)			209				627
Mortgage warehouse			182				47				—				—				229
		$	15,405			$	9,125			$	(5,398	)		$	665			$	19,797
(Dollars in thousands)		Beginning																Ending
Six months ended June 30, 2016		Balance				Provision				Charge-offs				Recoveries				Balance
Commercial real estate		$	1,489			$	290			$	(1	)		$	14			$	1,792
Construction, land development, land			367				(186	)			—				—				181
1-4 family residential properties			274				(28	)			(63	)			76				259
Farmland			134				9				—				—				143
Commercial			5,276				1,159				(169	)			431				6,697
Factored receivables			4,509				84				(458	)			69				4,204
Consumer			216				199				(155	)			33				293
Mortgage warehouse			302				(99	)			—				—				203
		$	12,567			$	1,428			$	(846	)		$	623			$	13,772

Summary of Individual and Collective Allowance for Loan Losses and Loan Balances by Class

The following table presents loans individually and collectively evaluated for impairment, as well as purchased credit impaired (“PCI”) loans, and their respective ALLL allocations:

(Dollars in thousands)		Loan Evaluation																ALLL Allocations
June 30, 2017		Individually				Collectively				PCI				Total loans				Individually				Collectively				PCI				Total ALLL
Commercial real estate		$	862			$	529,803			$	10,552			$	541,217			$	126			$	2,380			$	—			$	2,506
Construction, land development, land			134				117,220				2,899				120,253				—				915				—				915
1-4 family residential properties			1,710				98,734				1,389				101,833				—				149				—				149
Farmland			3,480				132,537				241				136,258				—				261				—				261
Commercial			22,886				818,667				1,162				842,715				2,387				7,931				285				10,603
Factored receivables			3,295				290,338				—				293,633				1,550				2,957				—				4,507
Consumer			110				29,387				—				29,497				—				627				—				627
Mortgage warehouse			—				229,694				—				229,694				—				229				—				229
		$	32,477			$	2,246,380			$	16,243			$	2,295,100			$	4,063			$	15,449			$	285			$	19,797
(Dollars in thousands)		Loan Evaluation																ALLL Allocations
December 31, 2016		Individually				Collectively				PCI				Total loans				Individually				Collectively				PCI				Total ALLL
Commercial real estate		$	1,456			$	427,918			$	12,863			$	442,237			$	100			$	1,358			$	355			$	1,813
Construction, land development, land			362				105,493				3,957				109,812				25				440				—				465
1-4 family residential properties			1,095				101,551				2,328				104,974				1				252				—				253
Farmland			1,333				140,045				237				141,615				—				170				—				170
Commercial			33,033				738,088				7,522				778,643				2,101				5,913				—				8,014
Factored receivables			3,176				235,022				—				238,198				1,546				2,542				—				4,088
Consumer			73				29,691				—				29,764				—				420				—				420
Mortgage warehouse			—				182,381				—				182,381				—				182				—				182
		$	40,528			$	1,960,189			$	26,907			$	2,027,624			$	3,773			$	11,277			$	355			$	15,405

Summary of Information Pertaining to Impaired Loans

The following is a summary of information pertaining to impaired loans. PCI loans that have not deteriorated subsequent to acquisition are not considered impaired and therefore do not require an allowance and are excluded from these tables.

		Impaired Loans and Purchased Credit												Impaired Loans
		Impaired Loans With a Valuation Allowance												Without a Valuation Allowance
(Dollars in thousands)		Recorded				Unpaid				Related				Recorded				Unpaid
June 30, 2017		Investment				Principal				Allowance				Investment				Principal
Commercial real estate		$	169			$	170			$	126			$	693			$	726
Construction, land development, land			—				—				—				134				134
1-4 family residential properties			—				—				—				1,710				1,834
Farmland			—				—				—				3,480				3,563
Commercial			13,990				14,083				2,387				8,896				8,991
Factored receivables			3,295				3,295				1,550				—				—
Consumer			—				—				—				110				109
Mortgage warehouse			—				—				—				—				—
PCI			285				1,114				285				—				—
		$	17,739			$	18,662			$	4,348			$	15,023			$	15,357
		Impaired Loans and Purchased Credit												Impaired Loans
		Impaired Loans With a Valuation Allowance												Without a Valuation Allowance
(Dollars in thousands)		Recorded				Unpaid				Related				Recorded				Unpaid
December 31, 2016		Investment				Principal				Allowance				Investment				Principal
Commercial real estate		$	517			$	517			$	100			$	939			$	1,011
Construction, land development, land			277				275				25				85				86
1-4 family residential properties			8				14				1				1,087				1,215
Farmland			—				—				—				1,333				1,364
Commercial			15,022				15,018				2,101				18,011				18,096
Factored receivables			3,176				3,176				1,546				—				—
Consumer			—				—				—				73				73
Mortgage warehouse			—				—				—				—				—
PCI			525				525				355				—				—
		$	19,525			$	19,525			$	4,128			$	21,528			$	21,845

The following table presents average impaired loans and interest recognized on impaired loans for the three and six months ended June 30, 2017 and 2016:

		Three Months Ended								Three Months Ended
		June 30, 2017								June 30, 2016
		Average				Interest				Average				Interest
(Dollars in thousands)		Impaired Loans				Recognized				Impaired Loans				Recognized
Commercial real estate		$	793			$	1			$	702			$	—
Construction, land development, land			275				—				138				—
1-4 family residential properties			1,488				6				779				—
Farmland			3,200				9				—				—
Commercial			24,023				109				12,769				73
Factored receivables			3,512				—				4,074				—
Consumer			122				—				35				—
Mortgage warehouse			—				—				—				—
PCI			1,494				—				1,432				—
		$	34,907			$	125			$	19,929			$	73
		Six Months Ended								Six Months Ended
		June 30, 2017								June 30, 2016
		Average				Interest				Average				Interest
(Dollars in thousands)		Impaired Loans				Recognized				Impaired Loans				Recognized
Commercial real estate		$	1,159			$	1			$	706			$	—
Construction, land development, land			248				—				138				2
1-4 family residential properties			1,402				7				775				4
Farmland			2,406				18				—				—
Commercial			27,960				232				10,593				247
Factored receivables			3,235				—				3,309				—
Consumer			89				—				16				—
Mortgage warehouse			—				—				—				—
PCI			405				—				983				—
		$	36,904			$	258			$	16,520			$	253

Summary of Contractually Past Due and Nonaccrual Loans

Past Due and Nonaccrual Loans

The following is a summary of contractually past due and nonaccrual loans at June 30, 2017 and December 31, 2016:

		Past Due				Past Due 90
(Dollars in thousands)		30-89 Days				Days or More
June 30, 2017		Still Accruing				Still Accruing				Nonaccrual				Total
Commercial real estate		$	1,828			$	—			$	862			$	2,690
Construction, land development, land			543				—				134				677
1-4 family residential properties			1,383				—				1,695				3,078
Farmland			3,553				—				2,688				6,241
Commercial			7,044				65				17,892				25,001
Factored receivables			14,477				1,844				—				16,321
Consumer			747				2				110				859
Mortgage warehouse			—				—				—				—
PCI			192				122				2,392				2,706
		$	29,767			$	2,033			$	25,773			$	57,573
		Past Due				Past Due 90
(Dollars in thousands)		30-89 Days				Days or More
December 31, 2016		Still Accruing				Still Accruing				Nonaccrual				Total
Commercial real estate		$	699			$	144			$	1,163			$	2,006
Construction, land development, land			619				—				362				981
1-4 family residential properties			956				—				1,039				1,995
Farmland			3,583				141				541				4,265
Commercial			11,060				1,077				26,619				38,756
Factored receivables			11,921				2,153				—				14,074
Consumer			667				2				73				742
Mortgage warehouse			—				—				—				—
PCI			2,020				104				8,233				10,357
		$	31,525			$	3,621			$	38,030			$	73,176

Schedule of Nonperforming Loans

The following table presents information regarding nonperforming loans at the dates indicated:

(Dollars in thousands)		June 30, 2017				December 31, 2016
Nonaccrual loans(1)		$	25,773			$	38,030
Factored receivables greater than 90 days past due			1,844				2,153
Troubled debt restructurings accruing interest			3,529				5,123
		$	31,146			$	45,306

⁽¹⁾ Includes troubled debt restructurings of $8,557,000 and $13,263,000 at June 30, 2017 and December 31, 2016, respectively.

Summary of Risk Category of Loans

As of June 30, 2017 and December 31, 2016, based on the most recent analysis performed, the risk category of loans is as follows:

(Dollars in thousands)
June 30, 2017		Pass				Substandard				Doubtful				PCI				Total
Commercial real estate		$	528,842			$	1,823			$	—			$	10,552			$	541,217
Construction, land development, land			117,220				134				—				2,899				120,253
1-4 family residential			98,642				1,802				—				1,389				101,833
Farmland			128,067				7,950				—				241				136,258
Commercial			802,068				39,485				—				1,162				842,715
Factored receivables			291,367				795				1,471				—				293,633
Consumer			29,386				111				—				—				29,497
Mortgage warehouse			229,694				—				—				—				229,694
		$	2,225,286			$	52,100			$	1,471			$	16,243			$	2,295,100
(Dollars in thousands)
December 31, 2016		Pass				Substandard				Doubtful				PCI				Total
Commercial real estate		$	422,423			$	6,951			$	—			$	12,863			$	442,237
Construction, land development, land			105,493				362				—				3,957				109,812
1-4 family residential			101,339				1,307				—				2,328				104,974
Farmland			136,474				4,904				—				237				141,615
Commercial			729,634				41,487				—				7,522				778,643
Factored receivables			236,084				1,029				1,085				—				238,198
Consumer			29,688				76				—				—				29,764
Mortgage warehouse			182,381				—				—				—				182,381
		$	1,943,516			$	56,116			$	1,085			$	26,907			$	2,027,624

Schedule of Loans Modified as Troubled Debt Restructurings

The following table presents loans modified as troubled debt restructurings that occurred during the six months ended June 30, 2017 and 2016:

Pre-Modification

Post-Modification

Outstanding

Outstanding

(Dollars in thousands)

Number of

Recorded

Recorded

June 30, 2017

Loans

Investment

Investment

Commercial

4

$

186

$

186

Pre-Modification

Post-Modification

Outstanding

Outstanding

(Dollars in thousands)

Number of

Recorded

Recorded

June 30, 2016

Loans

Investment

Investment

Commercial

16

$

5,730

$

5,730

Schedule of Outstanding Contractually Required Principal and Interest and Carrying Amount of PCI Loans Receivable

The outstanding contractually required principal and interest and the carrying amount of these loans included in the balance sheet amounts of loans at June 30, 2017 and December 31, 2016, are as follows:

		June 30,				December 31,
		2017				2016
Contractually required principal and interest:
Real estate loans		$	18,836			$	25,013
Commercial loans			2,249				9,703
Outstanding contractually required principal and interest		$	21,085			$	34,716
Gross carrying amount included in loans receivable		$	16,243			$	26,907

Schedule of Changes in Accretable Yield for the PCI Loans

The changes in accretable yield during the three and six months ended June 30, 2017 and 2016 in regard to loans transferred at acquisition for which it was probable that all contractually required payments would not be collected are as follows:

		Three Months Ended June 30,								Six Months Ended June 30,
		2017				2016				2017				2016
Accretable yield, beginning balance		$	3,432			$	2,064			$	4,261			$	2,593
Additions			—				—				—				—
Accretion			(2,234	)			(1,518	)			(2,706	)			(2,034	)
Reclassification from nonaccretable to accretable yield			1,928				646				2,011				646
Disposals			—				—				(440	)			(13	)
Accretable yield, ending balance		$	3,126			$	1,192			$	3,126			$	1,192

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-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953682-111524

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