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Credit Quality (Tables)

9 Months Ended

Sep. 30, 2014

Recorded Investment and Related Information for Loans Considered to be Impaired Excluding Purchased Credit Impaired Loans

The following table presents the recorded investment and related information for loans considered to be impaired, excluding PCI loans, as of the periods indicated:

		September 30, 2014												December 31, 2013
						Unpaid												Unpaid
		Recorded				Principal				Related				Recorded				Principal				Related
(Amounts in thousands)		Investment				Balance				Allowance				Investment				Balance				Allowance
Impaired loans with no related allowance:
Commercial loans
Commercial and industrial		$	1,258			$	1,439			$	—			$	292			$	292			$	—
Single family non-owner occupied			268				268				—				289				317				—
Non-farm, non-residential			5,468				5,812				—				5,352				5,682				—
Farmland			—				—				—				351				363				—
Consumer real estate loans
Home equity lines			—				—				—				257				264				—
Single family owner occupied			2,787				2,878				—				2,006				2,414				—
Total impaired loans with no allowance			9,781				10,397				—				8,547				9,332				—
Impaired loans with a related allowance:
Commercial loans
Commercial and industrial			—				—				—				4,897				10,244				3,794
Multi-family residential			5,567				5,567				500				—				—				—
Single family non-owner occupied			369				369				46				375				375				47
Non-farm, non-residential			4,382				4,382				623				600				600				114
Consumer real estate loans
Single family owner occupied			2,374				2,526				504				4,844				5,035				735
Total impaired loans with an allowance			12,692				12,844				1,673				10,931				16,484				4,742
Total impaired loans		$	22,473			$	23,241			$	1,673			$	19,478			$	25,816			$	4,742

Average Recorded Investment and Interest Income Recognized on Impaired Loans Excluding Purchased Credit Impaired Loans

The following tables present the average recorded investment and interest income recognized on impaired loans, excluding PCI loans, in the periods indicated:

		For the Three Months Ended
		September 30, 2014								September 30, 2013
		Average				Interest				Average				Interest
		Recorded				Income				Recorded				Income
(Amounts in thousands)		Investment				Recognized				Investment				Recognized
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land		$	—			$	—			$	6,375			$	40
Commercial and industrial			1,258				—				—				—
Multi-family residential			—				—				—				—
Single family non-owner occupied			321				7				317				—
Non-farm, non-residential			5,971				—				8,194				—
Farmland			—				—				667				3
Consumer real estate loans
Home equity lines			—				—				546				—
Single family owner occupied			2,880				10				2,794				—
Owner occupied construction			—				—				—				—
Consumer and other loans
Consumer loans			—				—				—				—
Total impaired loans with no allowance			10,430				17				18,893				43
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			—				—				463				—
Commercial and industrial			—				—				5,328				11
Multi-family residential			5,568				1				—				—
Single family non-owner occupied			369				1				365				—
Non-farm, non-residential			4,386				6				606				—
Consumer real estate loans
Home equity lines			—				—				535				9
Single family owner occupied			2,528				8				5,093				13
Total impaired loans with an allowance			12,851				16				12,390				33
Total impaired loans		$	23,281			$	33			$	31,283			$	76

		For the Nine Months Ended
		September 30, 2014								September 30, 2013
		Average				Interest				Average				Interest
		Recorded				Income				Recorded				Income
(Amounts in thousands)		Investment				Recognized				Investment				Recognized
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land		$	—			$	—			$	5,133			$	294
Commercial and industrial			614				17				834				11
Multi-family residential			—				—				24				3
Single family non-owner occupied			247				8				1,146				93
Non-farm, non-residential			6,089				89				7,739				296
Farmland			241				11				372				12
Consumer real estate loans
Home equity lines			88				2				518				25
Single family owner occupied			2,179				61				2,069				70
Owner occupied construction			—				—				20				5
Consumer and other loans
Consumer loans			—				—				4				—
Total impaired loans with no allowance			9,458				188				17,859				809
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			—				—				1,409				117
Commercial and industrial			2,932				47				4,009				11
Multi-family residential			5,586				23				126				7
Single family non-owner occupied			370				2				1,064				12
Non-farm, non-residential			4,404				31				1,791				26
Consumer real estate loans
Home equity lines			76				1				329				3
Single family owner occupied			3,216				42				4,318				54
Total impaired loans with an allowance			16,584				146				13,046				230
Total impaired loans		$	26,042			$	334			$	30,905			$	1,039

Balance and Interest Income Related to Impaired Loan Pools

The following tables present balance and interest income related to the impaired loan pools as of the dates, and in the periods, indicated:

(Amounts in thousands)		September 30, 2014				December 31, 2013
Recorded investment		$	1,208			$	52,033
Unpaid principal balance			1,223				69,320
Allowance for loan losses			196				747

		Three Months Ended September 30,								Nine Months Ended September 30,
(Amounts in thousands)		2014				2013				2014				2013
Interest income recognized		$	82			$	721			$	2,154			$	839
Average recorded investment			1,416				23,538				35,063				15,799

Loans Held for Investment by Internal Credit Risk Grade

The following tables present loans held for investment, by internal credit risk grade, as of the periods indicated:

		September 30, 2014
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	40,408			$	1,107			$	1,260			$	—			$	—			$	42,775
Commercial and industrial			84,377				585				2,489				1,258				—				88,709
Multi-family residential			91,963				1,466				6,383				—				—				99,812
Single family non-owner occupied			133,860				3,361				6,683				—				—				143,904
Non-farm, non-residential			457,927				14,380				19,626				—				—				491,933
Agricultural			2,138				—				11				—				—				2,149
Farmland			28,991				1,585				1,362				—				—				31,938
Consumer real estate loans
Home equity lines			109,825				1,593				1,445				—				—				112,863
Single family owner occupied			467,381				10,182				20,960				—				—				498,523
Owner occupied construction			44,545				—				470				—				—				45,015
Consumer and other loans
Consumer loans			70,350				689				213				—				—				71,252
Other			7,308				—				—				—				—				7,308
Total non-covered loans			1,539,073				34,948				60,902				1,258				—				1,636,181
Covered loans
Commercial loans
Construction, development, and other land			7,467				2,750				2,967				—				—				13,184
Commercial and industrial			2,483				83				80				—				—				2,646
Multi-family residential			1,421				—				191				—				—				1,612
Single family non-owner occupied			2,907				2,123				1,182				—				—				6,212
Non-farm, non-residential			13,227				5,081				7,930				—				—				26,238
Agricultural			151				—				—				—				—				151
Farmland			431				—				298				—				—				729
Consumer real estate loans
Home equity lines			21,767				40,090				915				—				—				62,772
Single family owner occupied			7,619				1,565				3,320				—				—				12,504
Owner occupied construction			152				151				163				—				—				466
Consumer and other loans
Consumer loans			97				—				—				—				—				97
Other			—				—				—				—				—				—
Total covered loans			57,722				51,843				17,046				—				—				126,611
Total loans		$	1,596,795			$	86,791			$	77,948			$	1,258			$	—			$	1,762,792

		December 31, 2013
						Special
(Amounts in thousands)		Pass				Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	30,719			$	1,094			$	3,139			$	303			$	—			$	35,255
Commercial and industrial			87,589				1,056				2,919				3,891				—				95,455
Multi-family residential			67,257				2,237				703				—				—				70,197
Single family non-owner occupied			121,367				4,501				9,316				375				—				135,559
Non-farm, non-residential			440,334				21,046				14,500				31				—				475,911
Agricultural			2,306				8				10				—				—				2,324
Farmland			27,421				1,721				3,472				—				—				32,614
Consumer real estate loans
Home equity lines			107,411				1,355				2,789				215				—				111,770
Single family owner occupied			460,166				8,170				27,507				169				—				496,012
Owner occupied construction			28,242				261				200				—				—				28,703
Consumer and other loans
Consumer loans			69,973				864				472				—				4				71,313
Other			3,918				—				8				—				—				3,926
Total non-covered loans			1,446,703				42,313				65,035				4,984				4				1,559,039
Covered loans
Commercial loans
Construction, development, and other land			9,722				1,378				4,714				51				—				15,865
Commercial and industrial			2,865				247				189				24				—				3,325
Multi-family residential			1,472				—				461				—				—				1,933
Single family non-owner occupied			4,362				1,519				1,552				16				—				7,449
Non-farm, non-residential			13,077				4,630				16,901				38				—				34,646
Agricultural			164				—				—				—				—				164
Farmland			572				—				301				—				—				873
Consumer real estate loans
Home equity lines			23,189				44,746				1,269				2				—				69,206
Single family owner occupied			10,832				148				5,939				—				—				16,919
Owner occupied construction			198				—				986				—				—				1,184
Consumer and other loans
Consumer loans			118				—				—				—				—				118
Other			—				—				—				—				—				—
Total covered loans			66,571				52,668				32,312				131				—				151,682
Total loans		$	1,513,274			$	94,981			$	97,347			$	5,115			$	4			$	1,710,721

Nonaccrual Loans by Loan Class

The following table presents nonaccrual loans, by loan class, as of the dates indicated:

		September 30, 2014												December 31, 2013
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	—			$	90			$	90			$	1,187			$	761			$	1,948
Commercial and industrial			2,356				22				2,378				5,341				92				5,433
Multi-family residential			80				—				80				—				—				—
Single family non-owner occupied			761				77				838				1,966				222				2,188
Non-farm, non-residential			2,338				152				2,490				2,685				—				2,685
Farmland			—				—				—				441				301				742
Consumer real estate loans
Home equity lines			180				204				384				765				232				997
Single family owner occupied			5,497				471				5,968				6,567				1,555				8,122
Owner occupied construction			226				115				341				—				190				190
Consumer and other loans
Consumer loans			42				—				42				201				—				201
Total			11,480				1,131				12,611				19,153				3,353				22,506
Purchased impaired loans			—				—				—				8				—				8
Total nonaccrual loans		$	11,480			$	1,131			$	12,611			$	19,161			$	3,353			$	22,514

Aging of Past Due Loans by Loan Class

The following tables present the aging of past due loans, by loan class, as of the dates indicated. Nonaccrual loans 30 days or more past due are included in the applicable delinquency category. There were no non-covered accruing loans contractually past due 90 days or more as of September 30, 2014, or December 31, 2013. There were no covered accruing loans contractually past due 90 days or more as of September 30, 2014, compared to $86 thousand as of December 31, 2013.

		September 30, 2014
		30 - 59 Days				60 - 89 Days				90+ Days				Total				Current				Total
(Amounts in thousands)		Past Due				Past Due				Past Due				Past Due				Loans				Loans
Non-covered loans
Commercial loans
Construction, development, and other land		$	27			$	—			$	—			$	27			$	42,748			$	42,775
Commercial and industrial			1,433				—				1,079				2,512				86,197				88,709
Multi-family residential			173				—				—				173				99,639				99,812
Single family non-owner occupied			1,074				280				667				2,021				141,883				143,904
Non-farm, non-residential			411				871				1,229				2,511				489,422				491,933
Agricultural			4				—				—				4				2,145				2,149
Farmland			—				—				—				—				31,938				31,938
Consumer real estate loans
Home equity lines			444				466				174				1,084				111,779				112,863
Single family owner occupied			4,770				2,423				3,881				11,074				487,449				498,523
Owner occupied construction			—				—				226				226				44,789				45,015
Consumer and other loans
Consumer loans			381				100				37				518				70,734				71,252
Other			—				—				—				—				7,308				7,308
Total non-covered loans			8,717				4,140				7,293				20,150				1,616,031				1,636,181
Covered loans
Commercial loans
Construction, development, and other land			226				—				72				298				12,886				13,184
Commercial and industrial			17				104				22				143				2,503				2,646
Multi-family residential			—				—				—				—				1,612				1,612
Single family non-owner occupied			100				40				77				217				5,995				6,212
Non-farm, non-residential			68				—				152				220				26,018				26,238
Agricultural			—				—				—				—				151				151
Farmland			—				—				—				—				729				729
Consumer real estate loans
Home equity lines			585				76				204				865				61,907				62,772
Single family owner occupied			125				13				389				527				11,977				12,504
Owner occupied construction			—				—				115				115				351				466
Consumer and other loans
Consumer loans			—				—				—				—				97				97
Other			—				—				—				—				—				—
Total covered loans			1,121				233				1,031				2,385				124,226				126,611
Total loans		$	9,838			$	4,373			$	8,324			$	22,535			$	1,740,257			$	1,762,792

		December 31, 2013
		30 - 59 Days				60 - 89 Days				90+ Days				Total				Current				Total
(Amounts in thousands)		Past Due				Past Due				Past Due				Past Due				Loans				Loans
Non-covered loans
Commercial loans
Construction, development, and other land		$	118			$	10			$	532			$	660			$	34,595			$	35,255
Commercial and industrial			93				39				2,631				2,763				92,692				95,455
Multi-family residential			115				—				—				115				70,082				70,197
Single family non-owner occupied			611				554				1,203				2,368				133,191				135,559
Non-farm, non-residential			1,014				318				1,770				3,102				472,809				475,911
Agricultural			—				—				—				—				2,324				2,324
Farmland			245				—				—				245				32,369				32,614
Consumer real estate loans
Home equity lines			289				317				442				1,048				110,722				111,770
Single family owner occupied			7,428				1,228				145				8,801				487,211				496,012
Owner occupied construction			205				—				2,284				2,489				26,214				28,703
Consumer and other loans
Consumer loans			811				86				105				1,002				70,311				71,313
Other			—				—				—				—				3,926				3,926
Total non-covered loans			10,929				2,552				9,112				22,593				1,536,446				1,559,039
Covered loans
Commercial loans
Construction, development, and other land			479				—				453				932				14,933				15,865
Commercial and industrial			5				44				92				141				3,184				3,325
Multi-family residential			—				—				—				—				1,933				1,933
Single family non-owner occupied			—				—				184				184				7,265				7,449
Non-farm, non-residential			209				—				—				209				34,437				34,646
Agricultural			—				—				—				—				164				164
Farmland			—				—				301				301				572				873
Consumer real estate loans
Home equity lines			488				86				163				737				68,469				69,206
Single family owner occupied			197				120				1,466				1,783				15,136				16,919
Owner occupied construction			—				—				190				190				994				1,184
Consumer and other loans																							—
Consumer loans			—				—				—				—				118				118
Other			—				—				—				—				—				—
Total covered loans			1,378				250				2,849				4,477				147,205				151,682
Total loans		$	12,307			$	2,802			$	11,961			$	27,070			$	1,683,651			$	1,710,721

Loans Modified as Troubled Debt Restructurings by Loan Class Segregated by Accrual Status

The following table presents loans modified as TDRs, by loan class, segregated by accrual status, as of the dates indicated:

		September 30, 2014												December 31, 2013
(Amounts in thousands)		Nonaccrual(1)				Accruing				Total				Nonaccrual(1)				Accruing				Total
Commercial loans
Commercial and industrial		$	—			$	—			$	—			$	1,115			$	—			$	1,115
Single family non-owner occupied			—				837				837				375				—				375
Non-farm, non-residential			103				5,370				5,473				128				5,490				5,618
Consumer real estate loans
Home equity lines			—				48				48				159				51				210
Single family owner occupied			382				8,652				9,034				423				6,670				7,093
Owner occupied construction			—				244				244				—				—				—
Total TDRs		$	485			$	15,151			$	15,636			$	2,200			$	12,211			$	14,411

(1) TDRs on nonaccrual status are included in the total nonaccrual loan balance disclosed in the table above.

Loans Modified as Troubled Debt Restructurings by Type of Concession Made and Loan Class

The following tables present loans modified as TDRs, by type of concession made and loan class, that were restructured during the periods indicated. The post-modification recorded investment represents the loan balance immediately following modification.

		Three Months Ended September 30,
		2014												2013
(Amounts in thousands)		Total Contracts				Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Total Contracts				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Below market interest rate
Single family owner occupied			3			$	1,715			$	1,715				1			$	359			$	326
Extended payment term
Single family non-owner occupied			1				468				468				—				—				—
Below market interest rate and extended payment term
Single family owner occupied			2				84				84				2				642				600
Total			6			$	2,267			$	2,267				3			$	1,001			$	926

		Nine Months Ended September 30,
		2014												2013
(Amounts in thousands)		Total Contracts				Pre- Modification Recorded Investment				Post- Modification Recorded Investment				Total Contracts				Pre- Modification Recorded Investment				Post- Modification Recorded Investment
Below market interest rate
Single family owner occupied			4			$	1,850			$	1,850				1			$	359			$	326
Owner occupied construction			1				245				245				—				—				—
Total			5				2,095				2,095				1				359				326
Extended payment term
Single family non-owner occupied			1				468				468								—				—
Non-farm, non-residential			1				303				303				—				—				—
Total			2				771				771				—				—				—
Below market interest rate and extended payment term
Single family owner occupied			5				487				487				2				642				600
Total			12			$	3,353			$	3,353				3			$	1,001			$	926

Loans Modified as Troubled Debt Restructurings by Loan Class for which there was Payment Default

The following tables present loans modified as TDRs, by loan class, that were restructured within the previous 12 months, for which there was a payment default during the periods indicated:

		Three Months Ended September 30,
		2014								2013
		Total				Pre-Modification				Total				Pre-Modification
(Amounts in thousands)		Contracts				Recorded Investment				Contracts				Recorded Investment
Commercial loans
Non-farm, non-residential			—			$	—				1			$	978
Consumer real estate loans															—
Single family owner occupied			2				312				—				—
Total			2			$	312				1			$	978
		Nine Months Ended September 30,
		2014								2013
		Total				Pre-Modification				Total				Pre-Modification
(Amounts in thousands)		Contracts				Recorded Investment				Contracts				Recorded Investment
Commercial loans
Non-farm, non-residential			—			$	—				1			$	978
Consumer real estate loans
Single family owner occupied			2				312				—				—
Total			2			$	312				1			$	978

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- Definition

Trouble Debt Restructuring Accrual Status Table [Text Block]

+ References

No definition available.

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- 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=35738203&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=32702940&loc=SL6953803-111525

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- 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=35738203&loc=d3e5212-111524

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- 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=35738203&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=35738203&loc=SL6953401-111524

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- 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=35738203&loc=d3e5111-111524

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- 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=35738203&loc=SL6953682-111524



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-Publisher FASB

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-Topic 310

-SubTopic 10

-Section 50

-Paragraph 33

-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524

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