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Allowance for Loan Losses and Credit Quality (Tables)

12 Months Ended

Dec. 31, 2012

Allowance For Loan Losses, by Portfolio Segment

The following tables detail activity within the allowance for loan losses, by portfolio segment, for the dates indicated:

(Amounts in thousands)		Commercial				Consumer Real Estate				Consumer and Other				Total
Beginning balance, January 1, 2010		$	13,607			$	8,337			$	2,333			$	24,277
Provision for loan losses			6,552				8,106				99				14,757
Loans charged off			(7,980	)			(4,352	)			(1,270	)			(13,602	)
Recoveries credited to allowance			339				109				602				1,050
Net charge-offs			(7,641	)			(4,243	)			(668	)			(12,552	)
Ending balance, December 31, 2010		$	12,518			$	12,200			$	1,764			$	26,482
Beginning balance, January 1, 2011		$	12,300			$	12,641			$	1,541			$	26,482
Provision for loan losses			12,007				(2,681	)			(279	)			9,047
Loans charged off			(7,981	)			(2,501	)			(978	)			(11,460	)
Recoveries credited to allowance			1,426				252				458				2,136
Net charge-offs			(6,555	)			(2,249	)			(520	)			(9,324	)
Ending balance, December 31, 2011		$	17,752			$	7,711			$	742			$	26,205
Beginning balance, January 1, 2012		$	17,752			$	7,711			$	742			$	26,205
Provision for loan losses			2,703				2,608				367				5,678
Loans charged off			(3,814	)			(2,702	)			(988	)			(7,504	)
Recoveries credited to allowance			626				289				476				1,391
Net charge-offs			(3,188	)			(2,413	)			(512	)			(6,113	)
Ending balance, December 31, 2012		$	17,267			$	7,906			$	597			$	25,770

Recorded Investment in Loans Considered to Be Impaired and Related Information on Impaired Loans

The following tables present the Company’s recorded investment in non-purchased loans considered to be impaired and related information on those impaired loans for the periods indicated:

		December 31, 2012
(Amounts in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land		$	2,916			$	2,916			$	—			$	935			$	3
Commercial and industrial			284				284				—				320				17
Multi-family residential			—				—				—				517				4
Single family non-owner occupied			383				684				—				1,101				56
Non-farm, non-residential			5,282				5,362				—				2,619				102
Agricultural			—				—				—				—				—
Farmland			—				—				—				93				—
Consumer real estate loans
Home equity lines			276				277				—				370				28
Single family owner occupied			277				383				—				4,441				113
Owner occupied construction			—				—				—				—				—
Consumer and other loans
Consumer loans			—				—				—				1				—
Total impaired loans with no related allowance			9,418				9,906				—				10,397				323
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			—				—				—				69				1
Commercial and industrial			3,318				8,502				3,192				4,510				948
Multi-family residential			378				397				18				143				3
Single family non-owner occupied			2,411				2,460				996				2,484				80
Non-farm, non-residential			2,781				2,958				358				5,820				317
Agricultural			—				—				—				—				—
Farmland			—				—				—				93				—
Consumer real estate loans
Home equity lines			223				230				223				150				1
Single family owner occupied			4,673				4,903				806				3,511				103
Owner occupied construction			—				—				—				—				—
Consumer and other loans
Consumer loans			—				—				—				—				—
Total impaired loans with a related allowance			13,784				19,450				5,593				16,780				1,453
Total impaired loans		$	23,202			$	29,356			$	5,593			$	27,177			$	1,776

		December 31, 2011
(Amounts in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Recorded Investment				Interest Income Recognized
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land		$	661			$	661			$	—			$	1,341			$	—
Commercial and industrial			114				127				—				2,251				4
Multi-family residential			278				278				—				1,177				24
Single family non-owner occupied			1,206				1,244				—				1,659				39
Non-farm, non-residential			1,616				1,647				—				2,059				25
Agricultural			—				—				—				—				—
Farmland			258				258				—				167				—
Consumer real estate loans
Home equity lines			368				378				—				476				15
Single family owner occupied			2,428				2,508				—				1,825				43
Owner occupied construction			—				—				—				60				3
Consumer and other loans
Consumer loans			6				6				—				23				2
Total impaired loans with no allowance			6,935				7,107				—				11,038				155
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			112				112				4				248				9
Commercial and industrial			4,031				4,069				2,048				2,358				21
Multi-family residential			—				—				—				470				—
Single family non-owner occupied			2,232				2,232				124				2,323				107
Non-farm, non-residential			5,317				5,480				1,819				4,112				191
Agricultural			—				—				—				—				—
Farmland			—				—				—				83				—
Consumer real estate loans
Home equity lines			—				—				—				108				—
Single family owner occupied			5,529				5,612				1,203				5,794				164
Owner occupied construction			—				—				—				—				—
Consumer and other loans
Consumer loans			—				—				—				—				—
Total impaired loans with a related allowance			17,221				17,505				5,198				15,496				492
Total impaired loans		$	24,156			$	24,612			$	5,198			$	26,534			$	647

Company's Investment in Loans Held for Investment by Internal Credit Grade Indicator

The following tables present the Company’s investment in loans held for investment by internal credit grade indicator at December 31, 2012 and 2011. There were no covered loans at December 31, 2011.

		December 31, 2012
(Amounts in thousands)		Pass				Special Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	33,876			$	1,497			$	13,546			$	541			$	—			$	49,460
Commercial and industrial			77,549				2,506				4,821				3,838				—				88,714
Multi-family residential			60,161				4,043				1,490				—				—				65,694
Single family non-owner occupied			112,297				5,938				16,092				1,320				—				135,647
Non-farm, non-residential			396,986				15,975				32,808				120				—				445,889
Agricultural			1,657				19				33				—				—				1,709
Farmland			28,718				2,262				3,421				—				—				34,401
Consumer real estate loans
Home equity lines			104,750				2,739				3,592				—				—				111,081
Single family owner occupied			435,991				9,599				27,319				—				42				472,951
Owner occupied construction			15,841				382				—				—				—				16,223
Consumer and other loans
Consumer loans			76,787				867				501				8				—				78,163
Other			5,657				8				1				—				—				5,666
Total non-covered loans		$	1,350,270			$	45,835			$	103,624			$	5,827			$	42			$	1,505,598

		December 31, 2012
(Amounts in thousands)		Pass				Special Mention				Substandard				Doubtful				Loss				Total
Covered loans
Commercial loans
Construction, development, and other land		$	14,437			$	2,120			$	17,834			$	178			$	—			$	34,569
Commercial and industrial			6,249				445				197				81				—				6,972
Multi-family residential			1,962				—				649				—				—				2,611
Single family non-owner occupied			6,330				2,223				3,015				125				—				11,693
Non-farm, non-residential			26,776				5,477				19,189				44				—				51,486
Agricultural			143				—				1				—				—				144
Farmland			1,104				—				156				—				—				1,260
Consumer real estate loans
Home equity lines			16,323				11,981				53,116				25				—				81,445
Single family owner occupied			16,607				927				5,786				237				—				23,557
Owner occupied construction			484				—				1,160				—				—				1,644
Consumer and other loans
Consumer loans			2,987				562				125				—				—				3,674
Other			—				—				—				—				—				—
Total covered loans		$	93,402			$	23,735			$	101,228			$	690			$	—			$	219,055

		December 31, 2011
(Amounts in thousands)		Pass				Special Mention				Substandard				Doubtful				Loss				Total
Commercial loans
Construction, development, and other land		$	54,162			$	5,644			$	1,962			$	—			$	—			$	61,768
Commercial and industrial			86,288				568				2,679				2,404				—				91,939
Multi-family residential			74,486				965				1,599				—				—				77,050
Single family non-owner occupied			93,444				1,346				11,953				—				—				106,743
Non-farm, non-residential			303,071				9,635				22,855				444				—				336,005
Agricultural			1,327				7				40				—				—				1,374
Farmland			35,568				1,055				538				—				—				37,161
Consumer real estate loans
Home equity lines			105,535				2,237				3,615				—				—				111,387
Single family owner occupied			435,001				8,936				29,130				—				—				473,067
Owner occupied construction			19,190				128				259				—				—				19,577
Consumer and other loans
Consumer loans			66,357				198				574				—				—				67,129
Other			12,857				1				9				—				—				12,867
Total loans		$	1,287,286			$	30,720			$	75,213			$	2,848			$	—			$	1,396,067

Investment in Loans Related to Each Segment

The following tables detail the Company’s recorded investment in loans related to each segment in the allowance for loan losses by portfolio segment and disaggregated on the basis of the Company’s impairment methodology at December 31, 2012 and 2011:

		December 31, 2012
(Amounts in thousands)		Non-acquired Loans Individually Evaluated for Impairment				Allowance for Loans Individually Evaluated				Loans Collectively Evaluated for Impairment				Allowance for Loans Collectively Evaluated				Acquired Impaired Loans Evaluated for Impairment				Allowance for Acquired Impaired Loans Evaluated
Commercial loans
Construction, development, and other land		$	2,916			$	—			$	54,579			$	1,214			$	25,744			$	—
Commercial and industrial			3,602				3,192				88,540				1,159				3,544				8
Multi-family residential			378				18				67,278				1,612				649				—
Single family non-owner occupied			2,794				858				134,323				3,509				10,223				—
Non-farm, non-residential			8,063				358				450,172				4,901				38,072				—
Agricultural			—				—				1,852				22				1				—
Farmland			—				—				34,779				416				882				—
Total commercial loans			17,753				4,426				831,523				12,833				79,115				8
Consumer real estate loans
Home equity lines			499				223				141,684				1,351				50,343				—
Single family owner occupied			4,950				944				483,223				5,051				8,005				—
Owner occupied construction			—				—				16,768				337				1,099				—
Total consumer real estate loans			5,449				1,167				641,675				6,739				59,447				—
Consumer and other loans
Consumer loans			—				—				81,037				597				800				—
Other			—				—				5,666				—				—				—
Total consumer and other loans			—				—				86,703				597				800				—
Total loans		$	23,202			$	5,593			$	1,559,901			$	20,169			$	139,362			$	8

		December 31, 2011
(Amounts in thousands)		Non-acquired Loans Individually Evaluated for Impairment				Allowance for Loans Individually Evaluated				Loans Collectively Evaluated for Impairment				Allowance for Loans Collectively Evaluated				Acquired Impaired Loans Evaluated for Impairment				Allowance for Acquired Impaired Loans Evaluated
Commercial loans
Construction, development, and other land		$	773			$	4			$	60,846			$	1,888			$	149			$	—
Commercial and industrial			3,738				1,847				87,563				1,668				638				201
Multi-family residential			278				—				76,772				1,889				—				—
Single family non-owner occupied			3,438				124				102,063				2,836				1,242				—
Non-farm, non-residential			6,933				1,819				328,610				5,114				462				—
Agricultural			—				—				1,374				19				—				—
Farmland			258				—				36,903				343				—				—
Total commercial loans			15,418				3,794				694,131				13,757				2,491				201
Consumer real estate loans
Home equity lines			368				—				111,019				1,365				—				—
Single family owner occupied			7,957				1,203				464,715				4,931				395				—
Owner occupied construction			—				—				19,577				212				—				—
Total consumer real estate loans			8,325				1,203				595,311				6,508				395				—
Consumer and other loans
Consumer loans			6				—				67,123				742				—				—
Other			—				—				12,867				—				—				—
Total consumer and other loans			6				—				79,990				742				—				—
Total loans		$	23,749			$	4,997			$	1,369,432			$	21,007			$	2,886			$	201

Nonaccrual Loans Presented By Loan Class

Nonaccrual loans, presented by loan class, consisted of the following at December 31, 2012 and 2011.  

		December 31, 2012												December 31, 2011
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered
Commercial loans
Construction, development, and other land		$	405			$	1,990			$	2,395			$	793
Commercial and industrial			3,912				35				3,947				3,905
Multi-family residential			378				—				378				341
Single family non-owner occupied			7,071				21				7,092				1,639
Non-farm, non-residential			5,938				951				6,889				8,063
Agricultural			2				—				2				—
Farmland			—				—				—				271
Consumer real estate loans
Home equity lines			872				436				1,308				516
Single family owner occupied			5,219				831				6,050				8,255
Owner occupied construction			—				59				59				1
Consumer and other loans
Consumer loans			126				—				126				52
Other			—				—				—				—
Total			23,923				4,323				28,246				23,836
Acquired impaired loans			8				—				8				651
Total nonaccrual loans		$	23,931			$	4,323			$	28,254			$	24,487

Aging of Past Due Loans by Loan Class

The following tables present the aging of past due loans, by loan class, at December 31, 2012 and 2011.  

		December 31, 2012
(Amounts in thousands)		30 - 59 Days Past Due				60 - 89 Days Past Due				90+ Days Past Due				Total Past Due				Current Loans				Total Loans
Non-covered loans
Commercial loans
Construction, development, and other land		$	344			$	—			$	188			$	532			$	48,928			$	49,460
Commercial and industrial			387				84				1,432				1,903				86,811				88,714
Multi-family residential			624				—				—				624				65,070				65,694
Single family non-owner occupied			1,841				1,348				3,715				6,904				128,743				135,647
Non-farm, non-residential			2,702				936				3,621				7,259				438,630				445,889
Agricultural			—				—				—				—				1,709				1,709
Farmland			216				196				—				412				33,989				34,401
Consumer real estate loans
Home equity lines			315				93				495				903				110,178				111,081
Single family owner occupied			6,564				1,176				1,644				9,384				463,567				472,951
Owner occupied construction			382				—				—				382				15,841				16,223
Consumer and other loans
Consumer loans			715				73				47				835				77,328				78,163
Other			—				—				—				—				5,666				5,666
Total non-covered loans		$	14,090			$	3,906			$	11,142			$	29,138			$	1,476,460			$	1,505,598

		December 31, 2012
(Amounts in thousands)		30 -59 Days Past Due				60 - 89 Days Past Due				90+ Days Past Due				Total Past Due				Current Loans				Total Loans
Covered loans
Commercial loans
Construction, development, and other land		$	252			$	161			$	1,121			$	1,534			$	33,035			$	34,569
Commercial and industrial			45				—				—				45				6,927				6,972
Multi-family residential			—				—				—				—				2,611				2,611
Single family non-owner occupied			8				—				21				29				11,664				11,693
Non-farm, non-residential			501				—				927				1,428				50,058				51,486
Agricultural			—				—				—				—				144				144
Farmland			6				—				—				6				1,254				1,260
Consumer real estate loans
Home equity lines			217				112				204				533				80,912				81,445
Single family owner occupied			413				135				475				1,023				22,534				23,557
Owner occupied construction			—				—				59				59				1,585				1,644
Consumer and other loans
Consumer loans			—				—				—				—				3,674				3,674
Other			—				—				—				—				—				—
Total covered loans		$	1,442			$	408			$	2,807			$	4,657			$	214,398			$	219,055

		December 31, 2011
(Amounts in thousands)		30 - 59 Days Past Due				60 - 89 Days Past Due				90+ Days Past Due				Total Past Due				Current Loans				Total Loans
Commercial loans
Construction, development, and other land		$	253			$	—			$	987			$	1,240			$	60,528			$	61,768
Commercial and industrial			150				30				3,568				3,748				88,191				91,939
Multi-family residential			667				—				342				1,009				76,041				77,050
Single family non-owner occupied			1,222				414				1,020				2,656				104,087				106,743
Non-farm, non-residential			837				860				2,180				3,877				332,128				336,005
Agricultural			—				7				—				7				1,367				1,374
Farmland			152				—				258				410				36,751				37,161
Consumer real estate loans
Home equity lines			642				222				235				1,099				110,288				111,387
Single family owner occupied			5,230				1,993				5,333				12,556				460,511				473,067
Owner occupied construction			—				29				—				29				19,548				19,577
Consumer and other loans
Consumer loans			198				71				12				281				66,848				67,129
Other			—				—				—				—				12,867				12,867
Total loans		$	9,351			$	3,626			$	13,935			$	26,912			$	1,369,155			$	1,396,067

Loans Modified As Troubled Debt Restructurings Excluding on Nonaccrual Status

The following tables present information for loans modified as TDRs that were restructured during the years ended December 31, 2012 and 2011 by type of concession made and loan class. The post-modification recorded investment represents the loan balance immediately following modification.

		Years Ended December 31,
		2012												2011
		Total Contracts				Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Total Contracts				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
(Amounts in thousands)
Below market interest rate
Non-farm, non-residential			—			$	—			$	—				1			$	373			$	373
Single family owner occupied			—				—				—				2				159				159
Total			—				—				—				3				532				532
Extended payment term
Commercial and industrial							—				—				—				—				—
Non-farm, non-residential			1				1,119				—				1				126				126
Single family owner occupied			1				351				319				1				267				267
Total			2				1,470				319				2				393				393
Below market interest rate and extended payment term
Non-farm, non-residential			2				5,822				5,822				1				107				107
Single family owner occupied			—				—				—				4				759				736
Total			2				5,822				5,822				5				866				843
Total			4			$	7,292			$	6,141				10			$	1,791			$	1,768

Loans Modified As Troubled Debt Restructurings Under Payment Default

The following table presents loans modified as TDRs within the previous 12 months for which there was a payment default during the year ended December 31, 2011:

		December 31, 2011
		Number of Loans				Pre-Modification Recorded Investment				Post-Modification Recorded Investment
(Amounts in thousands)
Non-farm, non-residential			1			$	38			$	38
Total loan concessions			1			$	38			$	38

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Investment in loans related to each segment.

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Troubled Debt Restructurings On Financing Receivables Under Payment Default Table [Text Block]

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 11B

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953423-111524

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X

- Definition

Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 29

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953659-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 55

-Paragraph 19

-URI http://asc.fasb.org/extlink&oid=7880640&loc=SL6953803-111525

+ Details

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Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of impaired financing receivables.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 15

-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5212-111524

+ Details

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Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7A

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953401-111524

+ Details

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Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of nonaccrual and past due financing receivables (such as loans and trade receivables), including: (a) the recorded investment in loans and trade receivables, if applicable, on nonaccrual status as of each balance sheet date (b) the recorded investment in loans and trade receivables, if applicable, past due 90 days or more and still accruing.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 7

-URI http://asc.fasb.org/extlink&oid=7512638&loc=d3e5111-111524

+ Details

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Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
Period Type:	duration

X

- Definition

Tabular disclosure of financing receivables and troubled debt restructurings.

+ References

Reference 1: 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=7512638&loc=SL6953682-111524



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=7512638&loc=SL6953676-111524

+ Details

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Namespace Prefix:	us-gaap_
Data Type:	nonnum:textBlockItemType
Balance Type:	na
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