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Loans and Allowance for Loan and Lease Losses (Tables)

12 Months Ended

Dec. 31, 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 at December 31, 2018 and 2017:

		December 31, 2018												December 31, 2017
		Recorded				Unpaid								Recorded				Unpaid
(Dollars in thousands)		Investment				Principal				Difference				Investment				Principal				Difference
Commercial real estate		$	992,080			$	999,887			$	(7,807	)		$	745,893			$	753,803			$	(7,910	)
Construction, land development, land			179,591				183,664				(4,073	)			134,812				138,045				(3,233	)
1-4 family residential properties			190,185				191,852				(1,667	)			125,827				127,499				(1,672	)
Farmland			170,540				173,583				(3,043	)			180,141				184,006				(3,865	)
Commercial			1,114,971				1,118,028				(3,057	)			920,812				924,133				(3,321	)
Factored receivables			617,791				620,103				(2,312	)			374,410				376,046				(1,636	)
Consumer			29,822				29,956				(134	)			31,131				31,144				(13	)
Mortgage warehouse			313,664				313,664				—				297,830				297,830				—
Total			3,608,644			$	3,630,737			$	(22,093	)			2,810,856			$	2,832,506			$	(21,650	)
Allowance for loan and lease losses			(27,571	)											(18,748	)
		$	3,581,073											$	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																Reclassification				Ending
Year ended December 31, 2018		Balance				Provision				Charge-offs				Recoveries				To Held For Sale				Balance
Commercial real estate		$	3,435			$	1,044			$	(90	)		$	104			$	—			$	4,493
Construction, land development, land			883				293				(59	)			17				—				1,134
1-4 family residential properties			293				23				(17	)			18				—				317
Farmland			310				425				(200	)			—				—				535
Commercial			8,150				10,052				(5,855	)			518				—				12,865
Factored receivables			4,597				3,857				(1,224	)			69				—				7,299
Consumer			783				457				(989	)			364				—				615
Mortgage warehouse			297				16				—				—				—				313
		$	18,748			$	16,167			$	(8,434	)		$	1,090			$	—			$	27,571
(Dollars in thousands)		Beginning																Reclassification				Ending
Year ended December 31, 2017		Balance				Provision				Charge-offs				Recoveries				To Held For Sale				Balance
Commercial real estate		$	1,813			$	1,822			$	(259	)		$	59			$	—			$	3,435
Construction, land development, land			465				825				(582	)			175				—				883
1-4 family residential properties			253				24				(31	)			47				—				293
Farmland			170				140				—				—				—				310
Commercial			8,014				5,785				(4,875	)			1,329				(2,103	)			8,150
Factored receivables			4,088				2,058				(1,667	)			118				—				4,597
Consumer			420				859				(1,004	)			508				—				783
Mortgage warehouse			182				115				—				—				—				297
		$	15,405			$	11,628			$	(8,418	)		$	2,236			$	(2,103	)		$	18,748
(Dollars in thousands)		Beginning																Reclassification				Ending
Year ended December 31, 2016		Balance				Provision				Charge-offs				Recoveries				To Held For Sale				Balance
Commercial real estate		$	1,489			$	313			$	(5	)		$	16			$	—			$	1,813
Construction, land development, land			367				92				—				6				—				465
1-4 family residential properties			274				(22	)			(84	)			85				—				253
Farmland			134				36				—				—				—				170
Commercial			5,276				5,390				(3,643	)			991				—				8,014
Factored receivables			4,509				315				(856	)			120				—				4,088
Consumer			216				689				(564	)			79				—				420
Mortgage warehouse			302				(120	)			—				—				—				182
		$	12,567			$	6,693			$	(5,152	)		$	1,297			$	—			$	15,405

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
December 31, 2018		Individually				Collectively				PCI				Total loans				Individually				Collectively				PCI				Total ALLL
Commercial real estate		$	7,097			$	974,280			$	10,703			$	992,080			$	487			$	4,006			$	—			$	4,493
Construction, land development, land			91				172,709				6,791				179,591				21				1,113				—				1,134
1-4 family residential properties			2,333				186,664				1,188				190,185				125				192				—				317
Farmland			7,424				162,735				381				170,540				72				463				—				535
Commercial			17,153				1,096,813				1,005				1,114,971				1,958				10,903				4				12,865
Factored receivables			6,759				611,032				—				617,791				1,968				5,331				—				7,299
Consumer			355				29,467				—				29,822				22				593				—				615
Mortgage warehouse			—				313,664				—				313,664				—				313				—				313
		$	41,212			$	3,547,364			$	20,068			$	3,608,644			$	4,653			$	22,914			$	4			$	27,571
(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 ALLL and are excluded from these tables.

		Impaired Loans and PCI Impaired Loans												Impaired Loans
		With a Valuation Allowance												Without a Valuation Allowance
(Dollars in thousands)		Recorded				Unpaid				Related				Recorded				Unpaid
December 31, 2018		Investment				Principal				Allowance				Investment				Principal
Commercial real estate		$	5,610			$	5,614			$	487			$	1,487			$	1,520
Construction, land development, land			91				91				21				—				—
1-4 family residential properties			225				216				125				2,108				2,255
Farmland			914				900				72				6,510				6,979
Commercial			5,235				5,254				1,958				11,918				12,089
Factored receivables			6,759				6,759				1,968				—				—
Consumer			63				57				22				292				296
Mortgage warehouse			—				—				—				—				—
PCI			71				55				4				—				—
		$	18,968			$	18,946			$	4,657			$	22,315			$	23,139
		Impaired Loans and PCI 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 loans:

		Years Ended
		December 31, 2018								December 31, 2017								December 31, 2016
		Average				Interest				Average				Interest				Average				Interest
(Dollars in thousands)		Impaired Loans				Recognized				Impaired Loans				Recognized				Impaired Loans				Recognized
Commercial real estate		$	4,055			$	86			$	1,234			$	33			$	1,090			$	46
Construction, land development, land			113				—				249				—				181				4
1-4 family residential properties			2,486				77				1,867				45				857				18
Farmland			5,612				197				2,567				45				667				45
Commercial			21,885				870				29,825				599				20,474				980
Factored receivables			5,742				—				3,951				—				3,299				—
Consumer			369				14				229				9				37				5
Mortgage warehouse			—				—				—				—				—				—
PCI			35				—				262				—				525				—
		$	40,297			$	1,244			$	40,184			$	731			$	27,130			$	1,098

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
December 31, 2018		Still Accruing				Still Accruing				Nonaccrual				Total
Commercial real estate		$	2,625			$	397			$	7,096			$	10,118
Construction, land development, land			1,003				—				91				1,094
1-4 family residential properties			2,103				—				1,588				3,691
Farmland			308				—				4,059				4,367
Commercial			3,728				999				14,071				18,798
Factored receivables			41,135				2,152				—				43,287
Consumer			1,005				11				355				1,371
Mortgage warehouse			—				—				—				—
PCI			788				—				3,525				4,313
		$	52,695			$	3,559			$	30,785			$	87,039

		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:

(Dollars in thousands)		December 31, 2018				December 31, 2017
Nonaccrual loans(1)		$	30,785			$	32,149
Factored receivables greater than 90 days past due			2,152				1,454
Troubled debt restructurings accruing interest			3,117				5,128
		$	36,054			$	38,731

⁽¹⁾Includes troubled debt restructurings of $3,730,000 and $14,009,000 at December 31, 2018 and 2017, respectively.

Summary of Risk Category of Loans

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

(Dollars in thousands)
December 31, 2018		Pass				Substandard				Doubtful				PCI				Total
Commercial real estate		$	977,548			$	3,829			$	—			$	10,703			$	992,080
Construction, land development, land			172,709				91				—				6,791				179,591
1-4 family residential			187,251				1,746				—				1,188				190,185
Farmland			161,565				8,594				—				381				170,540
Commercial			1,093,759				20,207				—				1,005				1,114,971
Factored receivables			612,577				3,544				1,670				—				617,791
Consumer			29,461				361				—				—				29,822
Mortgage warehouse			313,664				—				—				—				313,664
		$	3,548,534			$	38,372			$	1,670			$	20,068			$	3,608,644

(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 the pre- and post-modification recorded investment of loans modified as troubled debt restructurings during the years ended December 31, 2018, 2017, and 2016. The Company did not grant principal reductions or interest rate concessions on any restructured loans.

		Extended
		Amortization				Payment				Total				Number of
(Dollars in thousands)		Period				Deferrals				Modifications				Loans
December 31, 2018
Commercial real estate		$	—			$	589			$	589				2
1-4 family residential properties			103				—				103				2
Farmland			263				—				263				1
Commercial			875				—				875				10
		$	1,241			$	589			$	1,830				15
December 31, 2017
Commercial		$	8,831			$	—			$	8,831				8
December 31, 2016
Commercial real estate		$	809			$	—			$	809				3
Farmland			793				—				793				1
Commercial			16,612				—				16,612				27
		$	18,214			$	—			$	18,214				31

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 receivable are as follows:

		December 31,				December 31,
(Dollars in thousands)		2018				2017
Contractually required principal and interest:
Real estate loans		$	22,644			$	16,360
Commercial loans			4,078				3,501
Outstanding contractually required principal and interest		$	26,722			$	19,861
Gross carrying amount included in loans receivable		$	20,068			$	15,598

Schedule of Changes in Accretable Yield for the PCI Loans

The changes in accretable yield in regard to loans transferred at acquisition for which it was probable that all contractually required payments would not be collected are as follows:

		Years Ended December 31,
(Dollars in thousands)		2018				2017				2016
Accretable yield, beginning balance		$	2,793			$	4,261			$	2,594
Additions			2,997				371				4,124
Accretion			(1,430	)			(3,442	)			(3,092	)
Reclassification from nonaccretable to accretable yield			1,351				2,108				646
Disposals			—				(505	)			(11	)
Accretable yield, ending balance		$	5,711			$	2,793			$	4,261

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