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Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2014
Aggregate Activity in Allowance for Loan Losses | The following table presents the aggregate activity in the allowance for loan losses in the periods indicated:
(Amounts in thousands) |  | Allowance Excluding PCI Loans |  |  | Allowance for PCI Loans |  |  | Total Allowance |
Balance, January 1, 2012 |  | $ | 26,004 |  |  | $ | 201 |  |  | $ | 26,205 |
Provision for loan losses charged to operations |  |  | 5,871 |  |  |  | (193 | ) |  |  | 5,678 |
Charge-offs |  |  | (7,504 | ) |  |  | — |  |  |  | (7,504 | )
Recoveries |  |  | 1,391 |  |  |  | — |  |  |  | 1,391 |
Net charge-offs |  |  | (6,113 | ) |  |  | — |  |  |  | (6,113 | )
Balance, December 31, 2012 |  | $ | 25,762 |  |  | $ | 8 |  |  | $ | 25,770 |
Balance, January 1, 2013 |  | $ | 25,762 |  |  | $ | 8 |  |  | $ | 25,770 |
Provision for loan losses |  |  | 7,912 |  |  |  | 747 |  |  |  | 8,659 |
Benefit attributable to the FDIC indemnification asset |  |  | — |  |  |  | (451 | ) |  |  | (451 | )
Provision for loan losses charged to operations |  |  | 7,912 |  |  |  | 296 |  |  |  | 8,208 |
Provision for loan losses recorded through the FDIC indemnification asset |  |  | — |  |  |  | 451 |  |  |  | 451 |
Charge-offs |  |  | (12,527 | ) |  |  | — |  |  |  | (12,527 | )
Recoveries |  |  | 2,175 |  |  |  | — |  |  |  | 2,175 |
Net charge-offs |  |  | (10,352 | ) |  |  | — |  |  |  | (10,352 | )
Balance, December 31, 2013 |  | $ | 23,322 |  |  | $ | 755 |  |  | $ | 24,077 |
Balance, January 1, 2014 |  | $ | 23,322 |  |  | $ | 755 |  |  | $ | 24,077 |
Removal of loans transferred |  |  | (682 | ) |  |  | — |  |  |  | (682 | )
Provision for loan losses |  |  | 420 |  |  |  | (697 | ) |  |  | (277 | )
Benefit attributable to the FDIC indemnification asset |  |  | — |  |  |  | 422 |  |  |  | 422 |
Provision for loan losses charged to operations |  |  | 420 |  |  |  | (275 | ) |  |  | 145 |
Provision for loan losses recorded through the FDIC indemnification asset |  |  | — |  |  |  | (422 | ) |  |  | (422 | )
Charge-offs |  |  | (6,481 | ) |  |  | — |  |  |  | (6,481 | )
Recoveries |  |  | 3,590 |  |  |  | — |  |  |  | 3,590 |
Net charge-offs |  |  | (2,891 | ) |  |  | — |  |  |  | (2,891 | )
Balance, December 31, 2014 |  | $ | 20,169 |  |  | $ | 58 |  |  | $ | 20,227 |
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:
|  | December 31, 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 |  | $ | — |  |  | $ | — |  |  | $ | 51,608 |  |  | $ | 1,151 |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | 85,353 |  |  |  | 690 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 98,880 |  |  |  | 1,917 |
Single family non-owner occupied |  |  | 833 |  |  |  | 45 |  |  |  | 135,223 |  |  |  | 3,183 |
Non-farm, non-residential |  |  | 9,477 |  |  |  | 1,000 |  |  |  | 475,353 |  |  |  | 4,805 |
Agricultural |  |  | — |  |  |  | — |  |  |  | 1,642 |  |  |  | 13 |
Farmland |  |  | — |  |  |  | — |  |  |  | 30,233 |  |  |  | 206 |
Total commercial loans |  |  | 10,310 |  |  |  | 1,045 |  |  |  | 878,292 |  |  |  | 11,965 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | — |  |  |  | — |  |  |  | 134,006 |  |  |  | 1,330 |
Single family owner occupied |  |  | 5,738 |  |  |  | 437 |  |  |  | 489,820 |  |  |  | 4,498 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 32,983 |  |  |  | 224 |
Total consumer real estate loans |  |  | 5,738 |  |  |  | 437 |  |  |  | 656,809 |  |  |  | 6,052 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 69,429 |  |  |  | 670 |
Other |  |  | — |  |  |  | — |  |  |  | 6,555 |  |  |  | — |
Total consumer and other loans |  |  | — |  |  |  | — |  |  |  | 75,984 |  |  |  | 670 |
Total loans, excluding PCI loans |  | $ | 16,048 |  |  | $ | 1,482 |  |  | $ | 1,611,085 |  |  | $ | 18,687 |
|  | 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 table presents the components of the activity in the allowance for loan losses, excluding PCI loans, by loan segment, in the periods indicated:
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total |
Balance, January 1, 2012 |  | $ | 17,551 |  |  | $ | 7,711 |  |  | $ | 742 |  |  | $ | 26,004 |
Provision for loan losses charged to operations |  |  | 2,896 |  |  |  | 2,608 |  |  |  | 367 |  |  |  | 5,871 |
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 | )
Balance, December 31, 2012 |  | $ | 17,259 |  |  | $ | 7,906 |  |  | $ | 597 |  |  | $ | 25,762 |
Balance, January 1, 2013 |  | $ | 17,259 |  |  | $ | 7,906 |  |  | $ | 597 |  |  | $ | 25,762 |
Provision for loan losses charged to operations |  |  | 5,643 |  |  |  | 1,364 |  |  |  | 905 |  |  |  | 7,912 |
Loans charged off |  |  | (7,743 | ) |  |  | (3,115 | ) |  |  | (1,669 | ) |  |  | (12,527 | )
Recoveries credited to allowance |  |  | 931 |  |  |  | 442 |  |  |  | 802 |  |  |  | 2,175 |
Net charge-offs |  |  | (6,812 | ) |  |  | (2,673 | ) |  |  | (867 | ) |  |  | (10,352 | )
Balance, December 31, 2013 |  | $ | 16,090 |  |  | $ | 6,597 |  |  | $ | 635 |  |  | $ | 23,322 |
Balance, January 1, 2014 |  | $ | 16,090 |  |  | $ | 6,597 |  |  | $ | 635 |  |  | $ | 23,322 |
Removal of loans transferred |  |  | (418 | ) |  |  | (244 | ) |  |  | (20 | ) |  |  | (682 | )
(Recovery of) provision for loan losses charged to operations |  |  | (1,988 | ) |  |  | 1,273 |  |  |  | 1,135 |  |  |  | 420 |
Loans charged off |  |  | (2,928 | ) |  |  | (1,873 | ) |  |  | (1,680 | ) |  |  | (6,481 | )
Recoveries credited to allowance |  |  | 2,254 |  |  |  | 736 |  |  |  | 600 |  |  |  | 3,590 |
Net charge-offs |  |  | (674 | ) |  |  | (1,137 | ) |  |  | (1,080 | ) |  |  | (2,891 | )
Balance, December 31, 2014 |  | $ | 13,010 |  |  | $ | 6,489 |  |  | $ | 670 |  |  | $ | 20,169 |
Purchased Credit Impaired |
Aggregate Activity in Allowance for Loan Losses | The following table presents the components of the activity in the allowance for loan losses for PCI loans, by loan segment, in the periods indicated:
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total |
Balance, January 1, 2012 |  | $ | 201 |  |  | $ | — |  |  | $ | — |  |  | $ | 201 |
Provision for loan losses charged to operations |  |  | (193 | ) |  |  | — |  |  |  | — |  |  |  | (193 | )
Balance, December 31, 2012 |  | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | 8 |
Balance, January 1, 2013 |  | $ | 8 |  |  | $ | — |  |  | $ | — |  |  | $ | 8 |
Purchased impaired provision |  |  | 69 |  |  |  | 678 |  |  |  | — |  |  |  | 747 |
Benefit attributable to FDIC indemnificaton asset |  |  | (55 | ) |  |  | (396 | ) |  |  | — |  |  |  | (451 | )
Provision for loan losses charged to operations |  |  | 14 |  |  |  | 282 |  |  |  | — |  |  |  | 296 |
Provision for loan losses recorded through the FDIC indemnificaton asset |  |  | 55 |  |  |  | 396 |  |  |  | — |  |  |  | 451 |
Balance, December 31, 2013 |  | $ | 77 |  |  | $ | 678 |  |  | $ | — |  |  | $ | 755 |
Balance, January 1, 2014 |  | $ | 77 |  |  | $ | 678 |  |  | $ | — |  |  | $ | 755 |
Purchased impaired provision |  |  | (40 | ) |  |  | (657 | ) |  |  | — |  |  |  | (697 | )
Benefit attributable to FDIC indemnificaton asset |  |  | 26 |  |  |  | 396 |  |  |  | — |  |  |  | 422 |
Recovery of loan losses charged to operations |  |  | (14 | ) |  |  | (261 | ) |  |  | — |  |  |  | (275 | )
Recovery of loan losses recorded through the FDIC indemnificaton asset |  |  | (26 | ) |  |  | (396 | ) |  |  | — |  |  |  | (422 | )
Balance, December 31, 2014 |  | $ | 37 |  |  | $ | 21 |  |  | $ | — |  |  | $ | 58 |
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:
|  | December 31, |
|  | 2014 |  |  | 2013 |
(Amounts in thousands) |  | Loan Pools With Impairment |  |  | Allowance for Loans Pools With Impairment |  |  | Loan Pools With Impairment |  |  | Allowance for Loans Pools With Impairment |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw commercial |  | $ | 13,392 |  |  | $ | 37 |  |  | $ | 19,851 |  |  | $ | — |
Waccamaw lines of credit |  |  | 461 |  |  |  | — |  |  |  | 2,594 |  |  |  | 69 |
Peoples commercial |  |  | 5,875 |  |  |  | — |  |  |  | 7,862 |  |  |  | — |
Other |  |  | 1,358 |  |  |  | — |  |  |  | 1,931 |  |  |  | 8 |
Total commercial loans |  |  | 21,086 |  |  |  | 37 |  |  |  | 32,238 |  |  |  | 77 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw serviced home equity lines |  |  | 37,342 |  |  |  | — |  |  |  | 43,608 |  |  |  | 277 |
Waccamaw residential |  |  | 2,638 |  |  |  | — |  |  |  | 4,497 |  |  |  | 217 |
Peoples residential |  |  | 1,215 |  |  |  | 21 |  |  |  | 1,334 |  |  |  | 184 |
Total consumer real estate loans |  |  | 41,195 |  |  |  | 21 |  |  |  | 49,439 |  |  |  | 678 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw consumer |  |  | 2 |  |  |  | — |  |  |  | 34 |  |  |  | — |
Total loans |  | $ | 62,283 |  |  | $ | 58 |  |  | $ | 81,711 |  |  | $ | 755 |

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- Definition Schedule Of Information Related To Purchased Credit Impaired Loans. + References No definition available. + Details
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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 + Details
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