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Loans and Allowance for Loan and Lease Losses (Tables)

9 Months Ended

Sep. 30, 2018

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:

		September 30, 2018												December 31, 2017
		Recorded				Unpaid								Recorded				Unpaid
(Dollars in thousands)		Investment				Principal				Difference				Investment				Principal				Difference
Commercial real estate		$	906,494			$	914,503			$	(8,009	)		$	745,893			$	753,803			$	(7,910	)
Construction, land development, land			190,920				195,075				(4,155	)			134,812				138,045				(3,233	)
1-4 family residential properties			194,752				196,361				(1,609	)			125,827				127,499				(1,672	)
Farmland			177,313				180,599				(3,286	)			180,141				184,006				(3,865	)
Commercial			1,123,598				1,127,844				(4,246	)			920,812				924,133				(3,321	)
Factored receivables			611,285				613,832				(2,547	)			374,410				376,046				(1,636	)
Consumer			31,423				31,576				(153	)			31,131				31,144				(13	)
Mortgage warehouse			276,358				276,358				—				297,830				297,830				—
Total			3,512,143			$	3,536,148			$	(24,005	)			2,810,856			$	2,832,506			$	(21,650	)
Allowance for loan and lease losses			(27,256	)											(18,748	)
		$	3,484,887											$	2,792,108

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”) is as follows:

(Dollars in thousands)		Beginning																Ending
Three months ended September 30, 2018		Balance				Provision				Charge-offs				Recoveries				Balance
Commercial real estate		$	3,803			$	136			$	—			$	103			$	4,042
Construction, land development, land			1,025				244				—				2				1,271
1-4 family residential properties			240				15				(3	)			7				259
Farmland			509				(6	)			—				—				503
Commercial			10,230				6,324				(4,074	)			273				12,753
Factored receivables			7,727				64				(228	)			8				7,571
Consumer			670				93				(286	)			104				581
Mortgage warehouse			343				(67	)			—				—				276
		$	24,547			$	6,803			$	(4,591	)		$	497			$	27,256
(Dollars in thousands)		Beginning																Ending
Three months ended September 30, 2017		Balance				Provision				Charge-offs				Recoveries				Balance
Commercial real estate		$	2,506			$	58			$	—			$	—			$	2,564
Construction, land development, land			915				210				—				—				1,125
1-4 family residential properties			149				111				(1	)			23				282
Farmland			261				(22	)			—				—				239
Commercial			10,603				(629	)			(755	)			929				10,148
Factored receivables			4,507				645				(136	)			30				5,046
Consumer			627				208				(270	)			178				743
Mortgage warehouse			229				(9	)			—				—				220
		$	19,797			$	572			$	(1,162	)		$	1,160			$	20,367

(Dollars in thousands)		Beginning																Ending
Nine months ended September 30, 2018		Balance				Provision				Charge-offs				Recoveries				Balance
Commercial real estate		$	3,435			$	506			$	(2	)		$	103			$	4,042
Construction, land development, land			883				376				—				12				1,271
1-4 family residential properties			293				(29	)			(17	)			12				259
Farmland			310				393				(200	)			—				503
Commercial			8,150				8,895				(4,701	)			409				12,753
Factored receivables			4,597				3,850				(928	)			52				7,571
Consumer			783				287				(776	)			287				581
Mortgage warehouse			297				(21	)			—				—				276
		$	18,748			$	14,257			$	(6,624	)		$	875			$	27,256
(Dollars in thousands)		Beginning																Ending
Nine months ended September 30, 2017		Balance				Provision				Charge-offs				Recoveries				Balance
Commercial real estate		$	1,813			$	888			$	(137	)		$	—			$	2,564
Construction, land development, land			465				1,235				(582	)			7				1,125
1-4 family residential properties			253				16				(29	)			42				282
Farmland			170				69				—				—				239
Commercial			8,014				4,660				(3,833	)			1,307				10,148
Factored receivables			4,088				1,978				(1,102	)			82				5,046
Consumer			420				813				(877	)			387				743
Mortgage warehouse			182				38				—				—				220
		$	15,405			$	9,697			$	(6,560	)		$	1,825			$	20,367

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
September 30, 2018		Individually				Collectively				PCI				Total loans				Individually				Collectively				PCI				Total ALLL
Commercial real estate		$	7,847			$	887,834			$	10,813			$	906,494			$	581			$	3,461			$	—			$	4,042
Construction, land development, land			221				183,862				6,837				190,920				74				1,197				—				1,271
1-4 family residential properties			2,240				191,868				644				194,752				125				134				—				259
Farmland			4,156				172,782				375				177,313				72				431				—				503
Commercial			19,680				1,102,309				1,609				1,123,598				1,496				11,253				4				12,753
Factored receivables			6,841				604,444				—				611,285				1,916				5,655				—				7,571
Consumer			256				31,167				—				31,423				29				552				—				581
Mortgage warehouse			—				276,358				—				276,358				—				276				—				276
		$	41,241			$	3,450,624			$	20,278			$	3,512,143			$	4,293			$	22,959			$	4			$	27,256
(Dollars in thousands)		Loan Evaluation																ALLL Allocations
December 31, 2017		Individually				Collectively				PCI				Total loans				Individually				Collectively				PCI				Total ALLL
Commercial real estate		$	1,013			$	735,118			$	9,762			$	745,893			$	123			$	3,312			$	—			$	3,435
Construction, land development, land			136				130,732				3,944				134,812				—				883				—				883
1-4 family residential properties			2,638				122,093				1,096				125,827				152				141				—				293
Farmland			3,800				176,232				109				180,141				—				310				—				310
Commercial			26,616				893,509				687				920,812				1,409				6,741				—				8,150
Factored receivables			4,726				369,684				—				374,410				949				3,648				—				4,597
Consumer			384				30,747				—				31,131				80				703				—				783
Mortgage warehouse			—				297,830				—				297,830				—				297				—				297
		$	39,313			$	2,755,945			$	15,598			$	2,810,856			$	2,713			$	16,035			$	—			$	18,748

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
September 30, 2018		Investment				Principal				Allowance				Investment				Principal
Commercial real estate		$	6,031			$	6,079			$	581			$	1,816			$	1,869
Construction, land development, land			167				168				74				54				54
1-4 family residential properties			223				216				125				2,017				2,124
Farmland			914				900				72				3,242				3,524
Commercial			3,620				3,616				1,496				16,060				16,261
Factored receivables			6,841				6,841				1,916				—				—
Consumer			92				86				29				164				169
Mortgage warehouse			—				—				—				—				—
PCI			71				55				4				—				—
		$	17,959			$	17,961			$	4,297			$	23,353			$	24,001
		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, 2017		Investment				Principal				Allowance				Investment				Principal
Commercial real estate		$	165			$	165			$	123			$	848			$	881
Construction, land development, land			—				—				—				136				136
1-4 family residential properties			237				235				152				2,401				2,519
Farmland			—				—				—				3,800				4,071
Commercial			9,194				9,191				1,409				17,422				17,605
Factored receivables			4,726				4,726				949				—				—
Consumer			271				267				80				113				115
Mortgage warehouse			—				—				—				—				—
PCI			—				—				—				—				—
		$	14,593			$	14,584			$	2,713			$	24,720			$	25,327

The following table presents average impaired loans and interest recognized on impaired:

		Three Months Ended								Three Months Ended
		September 30, 2018								September 30, 2017
		Average				Interest				Average				Interest
(Dollars in thousands)		Impaired Loans				Recognized				Impaired Loans				Recognized
Commercial real estate		$	6,861			$	70			$	853			$	—
Construction, land development, land			181				1				135				—
1-4 family residential properties			2,205				21				1,817				16
Farmland			3,835				10				3,361				14
Commercial			24,579				46				22,003				167
Factored receivables			5,724				—				3,907				—
Consumer			260				3				136				4
Mortgage warehouse			—				—				—				—
PCI			75				—				143				—
		$	43,720			$	151			$	32,355			$	201
		Nine Months Ended								Nine Months Ended
		September 30, 2018								September 30, 2017
		Average				Interest				Average				Interest
(Dollars in thousands)		Impaired Loans				Recognized				Impaired Loans				Recognized
Commercial real estate		$	4,429			$	76			$	1,150			$	1
Construction, land development, land			178				1				249				—
1-4 family residential properties			2,439				25				1,509				23
Farmland			3,978				27				2,287				32
Commercial			23,149				665				27,077				398
Factored receivables			5,783				—				3,847				—
Consumer			320				4				117				4
Mortgage warehouse			—				—				—				—
PCI			35				—				262				—
		$	40,311			$	798			$	36,498			$	458

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:

		Past Due				Past Due 90
(Dollars in thousands)		30-89 Days				Days or More
September 30, 2018		Still Accruing				Still Accruing				Nonaccrual				Total
Commercial real estate		$	2,493			$	—			$	7,873			$	10,366
Construction, land development, land			769				—				221				990
1-4 family residential properties			1,253				79				2,156				3,488
Farmland			—				—				3,387				3,387
Commercial			3,976				246				16,865				21,087
Factored receivables			32,645				2,252				—				34,897
Consumer			820				—				276				1,096
Mortgage warehouse			—				—				—				—
PCI			206				—				2,969				3,175
		$	42,162			$	2,577			$	33,747			$	78,486
		Past Due				Past Due 90
(Dollars in thousands)		30-89 Days				Days or More
December 31, 2017		Still Accruing				Still Accruing				Nonaccrual				Total
Commercial real estate		$	1,374			$	—			$	1,012			$	2,386
Construction, land development, land			—				—				136				136
1-4 family residential properties			1,378				62				2,625				4,065
Farmland			250				109				3,412				3,771
Commercial			6,630				39				22,247				28,916
Factored receivables			20,858				1,454				—				22,312
Consumer			947				—				384				1,331
Mortgage warehouse			165				—				—				165
PCI			72				—				2,333				2,405
		$	31,674			$	1,664			$	32,149			$	65,487

Schedule of Nonperforming Loans

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

(Dollars in thousands)		September 30, 2018				December 31, 2017
Nonaccrual loans(1)		$	33,747			$	32,149
Factored receivables greater than 90 days past due			2,252				1,454
Troubled debt restructurings accruing interest			3,603				5,128
		$	39,602			$	38,731

⁽¹⁾ Includes troubled debt restructurings of $3,927,000 and $14,009,000 at September 30, 2018 and December 31, 2017, respectively.

Summary of Risk Category of Loans

As of September 30, 2018 and December 31, 2017, based on the most recent analysis performed, the risk category of loans is as follows:

(Dollars in thousands)
September 30, 2018		Pass				Substandard				Doubtful				PCI				Total
Commercial real estate		$	889,505			$	6,176			$	—			$	10,813			$	906,494
Construction, land development, land			183,706				377				—				6,837				190,920
1-4 family residential			191,844				2,264				—				644				194,752
Farmland			171,631				5,307				—				375				177,313
Commercial			1,099,057				22,932				—				1,609				1,123,598
Factored receivables			605,002				5,340				943				—				611,285
Consumer			31,160				263				—				—				31,423
Mortgage warehouse			276,358				—				—				—				276,358
		$	3,448,263			$	42,659			$	943			$	20,278			$	3,512,143
(Dollars in thousands)
December 31, 2017		Pass				Substandard				Doubtful				PCI				Total
Commercial real estate		$	732,175			$	3,956			$	—			$	9,762			$	745,893
Construction, land development, land			130,732				136				—				3,944				134,812
1-4 family residential			122,044				2,687				—				1,096				125,827
Farmland			171,017				9,015				—				109				180,141
Commercial			878,957				41,168				—				687				920,812
Factored receivables			370,839				2,325				1,246				—				374,410
Consumer			30,739				392				—				—				31,131
Mortgage warehouse			297,830				—				—				—				297,830
		$	2,734,333			$	59,679			$	1,246			$	15,598			$	2,810,856

Schedule of Loans Modified as Troubled Debt Restructurings

The following table presents loans modified as troubled debt restructurings that occurred during the nine months ended September 30, 2018 and 2017:

						Pre-Modification				Post-Modification
						Outstanding				Outstanding
(Dollars in thousands)		Number of				Recorded				Recorded
September 30, 2018		Loans				Investment				Investment
1-4 family residential properties			3			$	111			$	111
Farmland			1				263				263
Commercial			10				875				875
Total			14			$	1,249			$	1,249

Pre-Modification

Post-Modification

Outstanding

Outstanding

(Dollars in thousands)

Number of

Recorded

Recorded

September 30, 2017

Loans

Investment

Investment

Commercial

5

$

2,184

$

2,184

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 September 30, 2018 and December 31, 2017, are as follows:

		September 30,				December 31,
		2018				2017
Contractually required principal and interest:
Real estate loans		$	22,877			$	16,360
Commercial loans			4,141				3,501
Outstanding contractually required principal and interest		$	27,018			$	19,861
Gross carrying amount included in loans receivable		$	20,278			$	15,598

Schedule of Changes in Accretable Yield for the PCI Loans

The changes in accretable yield during the three and nine months ended September 30, 2018 and 2017 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 September 30,								Nine Months Ended September 30,
		2018				2017				2018				2017
Accretable yield, beginning balance		$	2,105			$	3,126			$	2,793			$	4,261
Additions			2,997				—				2,997				—
Accretion			(439	)			(411	)			(1,177	)			(3,117	)
Reclassification from nonaccretable to accretable yield			124				56				174				2,067
Disposals			—				(2	)			—				(442	)
Accretable yield, ending balance		$	4,787			$	2,769			$	4,787			$	2,769

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- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953676-111524

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-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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