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Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2014

Aggregate Activity in Allowance for Loan Losses

The following tables present the aggregate activity in the allowance for loan losses in the periods indicated:

		Allowance Excluding PCI Loans				Allowance for PCI Loans				Total Allowance
(Amounts in thousands)
Three months ended June 30, 2013
Beginning balance		$	24,842			$	8			$	24,850
Provision for loan losses			3,205				—				3,205
Benefit attributable to the FDIC indemnification asset			—				—				—
Provision for loan losses charged to operations			3,205				—				3,205
Provision for loan losses recorded through the FDIC indemnification asset			—				—				—
Charge-offs			(5,535	)			—				(5,535	)
Recoveries			602				—				602
Net charge-offs			(4,933	)			—				(4,933	)
Ending balance		$	23,114			$	8			$	23,122
Three months ended June 30, 2014
Beginning balance		$	23,305			$	493			$	23,798
Provision for loan losses			1,216				(75	)			1,141
Benefit attributable to the FDIC indemnification asset			—				138				138
Provision for loan losses charged to operations			1,216				63				1,279
Provision for loan losses recorded through the FDIC indemnification asset			—				(138	)			(138	)
Charge-offs			(1,785	)			—				(1,785	)
Recoveries			757				—				757
Net charge-offs			(1,028	)			—				(1,028	)
Ending balance		$	23,493			$	418			$	23,911

		Allowance Excluding PCI Loans				Allowance for PCI Loans				Total Allowance
(Amounts in thousands)
Six months ended June 30, 2013
Beginning balance		$	25,762			$	8			$	25,770
Provision for loan losses			4,347				—				4,347
Benefit attributable to the FDIC indemnification asset			—				—				—
Provision for loan losses charged to operations			4,347				—				4,347
Provision for loan losses recorded through the FDIC indemnification asset			—				—				—
Charge-offs			(8,294	)			—				(8,294	)
Recoveries			1,299				—				1,299
Net charge-offs			(6,995	)			—				(6,995	)
Ending balance		$	23,114			$	8			$	23,122
Six months ended June 30, 2014
Beginning balance		$	23,322			$	755			$	24,077
Provision for loan losses			3,068				(337	)			2,731
Benefit attributable to the FDIC indemnification asset			—				341				341
Provision for loan losses charged to operations			3,068				4				3,072
Provision for loan losses recorded through the FDIC indemnification asset			—				(341	)			(341	)
Charge-offs			(4,001	)			—				(4,001	)
Recoveries			1,104				—				1,104
Net charge-offs			(2,897	)			—				(2,897	)
Ending balance		$	23,493			$	418			$	23,911

Allowance for Loan Losses and Recorded Investment in Loans

The following tables present the Company’s allowance for loan losses and recorded investment in loans, excluding PCI loans, by loan class, as of the dates indicated:

		June 30, 2014
(Amounts in thousands)		Loans Individually Evaluated for Impairment				Allowance for Loans Individually Evaluated				Loans Collectively Evaluated for Impairment				Allowance for Loans Collectively Evaluated
Commercial loans
Construction, development, and other land		$	—			$	—			$	56,208			$	1,279
Commercial and industrial			3,914				3,137				92,695				1,311
Multi-family residential			5,585				500				84,313				1,429
Single family non-owner occupied			369				30				142,091				3,292
Non-farm, non-residential			10,453				667				499,461				4,850
Agricultural			—				—				2,596				22
Farmland			345				—				32,854				230
Total commercial loans			20,666				4,334				910,218				12,413
Consumer real estate loans
Home equity lines			—				—				136,739				1,258
Single family owner occupied			3,723				517				497,285				4,098
Owner occupied construction			—				—				40,412				250
Total consumer real estate loans			3,723				517				674,436				5,606
Consumer and other loans
Consumer loans			—				—				74,185				623
Other			—				—				7,369				—
Total consumer and other loans			—				—				81,554				623
Total loans, excluding PCI loans		$	24,389			$	4,851			$	1,666,208			$	18,642

		December 31, 2013
(Amounts in thousands)		Loans Individually Evaluated for Impairment				Allowance for Loans Individually Evaluated				Loans Collectively Evaluated for Impairment				Allowance for Loans Collectively Evaluated
Commercial loans
Construction, development, and other land		$	—			$	—			$	46,404			$	1,141
Commercial and industrial			5,189				3,794				92,612				1,421
Multi-family residential			—				—				71,669				1,211
Single family non-owner occupied			664				47				136,567				3,502
Non-farm, non-residential			5,952				114				483,126				4,536
Agricultural			—				—				2,488				23
Farmland			351				—				33,136				301
Total commercial loans			12,156				3,955				866,002				12,135
Consumer real estate loans
Home equity lines			472				52				136,896				1,309
Single family owner occupied			6,850				735				502,229				4,295
Owner occupied construction			—				—				29,090				206
Total consumer real estate loans			7,322				787				668,215				5,810
Consumer and other loans
Consumer loans			—				—				71,389				635
Other			—				—				3,926				—
Total consumer and other loans			—				—				75,315				635
Total loans, excluding PCI loans		$	19,478			$	4,742			$	1,609,532			$	18,580

Allowance Excluding Purchased Credit Impaired

Aggregate Activity in Allowance for Loan Losses

The following tables present the components of the activity in the allowance for loan losses, excluding PCI loans, by loan segment, in the periods indicated:

						Consumer				Consumer
		Commercial				Real Estate				and Other				Total
(Amounts in thousands)
Three months ended June 30, 2013
Beginning balance		$	17,242			$	7,003			$	597			$	24,842
Provision for loan losses charged to operations			2,304				749				152				3,205
Loans charged off			(3,885	)			(1,347	)			(303	)			(5,535	)
Recoveries credited to allowance			212				253				137				602
Net charge-offs			(3,673	)			(1,094	)			(166	)			(4,933	)
Ending balance		$	15,873			$	6,658			$	583			$	23,114
Three months ended June 30, 2014
Beginning balance		$	16,339			$	6,393			$	573			$	23,305
Provision for loan losses charged to operations			1,436				(454	)			234				1,216
Loans charged off			(1,231	)			(255	)			(299	)			(1,785	)
Recoveries credited to allowance			203				439				115				757
Net charge-offs			(1,028	)			184				(184	)			(1,028	)
Ending balance		$	16,747			$	6,123			$	623			$	23,493

						Consumer				Consumer
		Commercial				Real Estate				and Other				Total
(Amounts in thousands)
Six months ended June 30, 2013
Beginning balance		$	17,259			$	7,906			$	597			$	25,762
Provision for loan losses charged to operations			2,787				1,229				331				4,347
Loans charged off			(4,668	)			(2,743	)			(883	)			(8,294	)
Recoveries credited to allowance			495				266				538				1,299
Net charge-offs			(4,173	)			(2,477	)			(345	)			(6,995	)
Ending balance		$	15,873			$	6,658			$	583			$	23,114
Six months ended June 30, 2014
Beginning balance		$	16,090			$	6,597			$	635			$	23,322
Provision for loan losses charged to operations			2,653				31				384				3,068
Loans charged off			(2,281	)			(965	)			(755	)			(4,001	)
Recoveries credited to allowance			285				460				359				1,104
Net charge-offs			(1,996	)			(505	)			(396	)			(2,897	)
Ending balance		$	16,747			$	6,123			$	623			$	23,493

Purchased Credit Impaired

Aggregate Activity in Allowance for Loan Losses

The following tables present the components of the activity in the allowance for loan losses for PCI loans, by loan segment, in the periods indicated:

						Consumer				Consumer
		Commercial				Real Estate				and Other				Total
(Amounts in thousands)
Three months ended June 30, 2013
Beginning balance		$	8			$	—			$	—			$	8
Purchased impaired provision			—				—				—				—
Benefit attributable to FDIC indemnification asset			—				—				—				—
Provision for loan losses charged to operations			—				—				—				—
Provision for loan losses recorded through the FDIC indemnification asset			—				—				—				—
Ending balance		$	8			$	—			$	—			$	8
Three months ended June 30, 2014
Beginning balance		$	8			$	485			$	—			$	493
Purchased impaired provision			8				(83	)			—				(75	)
Benefit attributable to FDIC indemnification asset			—				138				—				138
Provision for loan losses charged to operations			8				55				—				63
Provision for loan losses recorded through the FDIC indemnification asset			—				(138	)			—				(138	)
Ending balance		$	16			$	402			$	—			$	418

								Consumer				Consumer
				Commercial				Real Estate				and Other				Total
(Amounts in thousands)
Six months ended June 30, 2013
Beginning balance				$	8			$	—			$	—			$	8
Purchased impaired provision					—				—				—				—
Benefit attributable to FDIC indemnification asset					—				—				—				—
Provision for loan losses charged to operations					—				—				—				—
Provision for loan losses recorded through the FDIC indemnification asset					—				—				—				—
Ending balance				$	8			$	—			$	—			$	8
Six months ended June 30, 2014
Beginning balance				$	77			$	678			$	—			$	755
Purchased impaired provision					(61	)			(276	)			—				(337	)
Benefit attributable to FDIC indemnification asset					55				286				—				341
Provision for loan losses charged to operations					(6	)			10				—				4
Provision for loan losses recorded through the FDIC indemnification asset					(55	)			(286	)			—				(341	)
Ending balance				$	16			$	402			$	—			$	418

Allowance for Loan Losses and Recorded Investment in Loans

The Company aggregates PCI loans into the following loan pools: Waccamaw commercial, Waccamaw lines of credit, Peoples commercial, Waccamaw serviced home equity lines, Waccamaw residential, Peoples residential, and Waccamaw consumer. The following table presents the Company’s allowance for loan losses and recorded investment in PCI loans, by loan pool, as of the dates indicated:

		June 30, 2014								December 31, 2013
(Amounts in thousands)		Loan Pools				Allowance for Loan Pools With Impairment				Loan Pools				Allowance for Loan Pools With Impairment
Commercial loans
Waccamaw commercial		$	14,460			$	—			$	19,851			$	—
Waccamaw lines of credit			870				—				2,594				69
Peoples commercial			6,621				8				7,862				—
Other			1,903				8				1,931				8
Total commercial loans			23,854				16				32,238				77
Consumer real estate loans
Waccamaw serviced home equity lines			40,142				81				43,608				277
Waccamaw residential			3,578				56				4,497				217
Peoples residential			1,241				265				1,334				184
Total consumer real estate loans			44,961				402				49,439				678
Consumer and other loans Waccamaw consumer			12				—				34				—
Total loans		$	68,827			$	418			$	81,711			$	755

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- Definition

Allowance for Credit Losses and Recorded Investment in Loans by Segment and Class [Table Text Block]

+ References

No definition available.

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- Definition

Schedule Of Information Related To Purchased Credit Impaired Loans.

+ References

No definition available.

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- Definition

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=35738203&loc=SL6953423-111524

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