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ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
 12 Months Ended
Dec. 31, 2013
ALLOWANCE FOR LOAN AND LEASE LOSSES  
Schedule of activity in the allowance, by class

 

Commercial,

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

financial &

 

 

 

Mortgage -

 

Mortgage -

 

 

 

 

 

 

 

 

 

 

 

agricultural

 

Construction

 

residential

 

commercial

 

Consumer

 

Leases

 

Unallocated

 

Total

 

 

 

(Dollars in thousands)

 

Year Ended December 31, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

 

$

4,987

 

$

4,510

 

$

29,910

 

$

48,500

 

$

2,421

 

$

85

 

$

6,000

 

$

96,413

 

Provision (credit) for loan and lease losses

 

9,634

 

(4,974

)

(1,493

)

(19,194

)

5,093

 

(376

)

—

 

(11,310

)

 

 

14,621

 

(464

)

28,417

 

29,306

 

7,514

 

(291

)

6,000

 

85,103

 

Charge-offs

 

2,812

 

358

 

1,083

 

6,768

 

1,595

 

—

 

—

 

12,616

 

Recoveries

 

1,387

 

3,596

 

1,107

 

4,240

 

657

 

346

 

—

 

11,333

 

Net charge-offs (recoveries)

 

1,425

 

(3,238

)

(24

)

2,528

 

938

 

(346

)

—

 

1,283

 

Ending balance

 

$

13,196

 

$

2,774

 

$

28,441

 

$

26,778

 

$

6,576

 

$

55

 

$

6,000

 

$

83,820

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Year Ended December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

 

$

6,110

 

$

28,630

 

$

32,736

 

$

47,729

 

$

2,335

 

$

553

 

$

4,000

 

$

122,093

 

Provision (credit) for loan and lease losses

 

1,042

 

(22,307

)

(2,038

)

2,316

 

547

 

(445

)

2,000

 

(18,885

)

 

 

7,152

 

6,323

 

30,698

 

50,045

 

2,882

 

108

 

6,000

 

103,208

 

Charge-offs

 

3,779

 

8,435

 

1,664

 

2,033

 

1,490

 

28

 

—

 

17,429

 

Recoveries

 

1,614

 

6,622

 

876

 

488

 

1,029

 

5

 

—

 

10,634

 

Net charge-offs

 

2,165

 

1,813

 

788

 

1,545

 

461

 

23

 

—

 

6,795

 

Ending balance

 

$

4,987

 

$

4,510

 

$

29,910

 

$

48,500

 

$

2,421

 

$

85

 

$

6,000

 

$

96,413

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Year Ended December 31, 2011

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

 

$

13,426

 

$

76,556

 

$

31,830

 

$

64,308

 

$

3,155

 

$

1,579

 

$

2,000

 

$

192,854

 

Provision (credit) for loan and lease losses

 

(6,720

)

(23,073

)

3,569

 

(15,664

)

214

 

(1,016

)

2,000

 

(40,690

)

 

 

6,706

 

53,483

 

35,399

 

48,644

 

3,369

 

563

 

4,000

 

152,164

 

Charge-offs

 

2,401

 

31,371

 

4,347

 

1,298

 

2,116

 

10

 

—

 

41,543

 

Recoveries

 

1,805

 

6,518

 

1,684

 

383

 

1,082

 

—

 

—

 

11,472

 

Net charge-offs

 

596

 

24,853

 

2,663

 

915

 

1,034

 

10

 

—

 

30,071

 

Ending balance

 

$

6,110

 

$

28,630

 

$

32,736

 

$

47,729

 

$

2,335

 

$

553

 

$

4,000

 

$

122,093

 
Schedule of changes in the allowance for loan and lease losses for impaired loans

 

Year Ended December 31,

 

 

 

2013

 

2012

 

2011

 

 

 

(Dollars in thousands)

 

 

 

 

 

 

 

 

 

Balance, beginning of year

 

$

3,011

 

$

772

 

$

19,525

 

Provision for loan and lease losses

 

—

 

2,520

 

333

 

Other changes

 

(2,662

)

(281

)

(19,086

)

Balance, end of year

 

$

349

 

$

3,011

 

$

772