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Credit Quality (Tables)

12 Months Ended

Dec. 31, 2014

Recorded Investment and Related Information for Impaired Loans Excluding Purchased Credit Impaired Loans

The following tables present the recorded investment and related information for impaired loans, excluding PCI loans, as of the periods indicated:

		December 31, 2014
(Amounts in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Annual Recorded Investment
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land		$	—			$	—			$	—			$	—
Commercial and industrial			—				—				—				461
Multi-family residential			—				—				—				—
Single family non-owner occupied			466				466				—				301
Non-farm, non-residential			5,705				6,049				—				6,083
Agricultural			—				—				—				—
Farmland			—				—				—				181
Consumer real estate loans
Home equity lines			—				—				—				66
Single family owner occupied			3,397				3,494				—				2,508
Owner occupied construction			—				—				—				—
Consumer and other loans
Consumer loans			—				—				—				—
Total impaired loans with no related allowance			9,568				10,009				—				9,600
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land		$	—			$	—			$	—			$	—
Commercial and industrial			—				—				—				2,199
Multi-family residential			—				—				—				4,190
Single family non-owner occupied			367				367				45				369
Non-farm, non-residential			3,772				3,772				1,000				3,386
Agricultural			—				—				—				—
Farmland			—				—				—				—
Consumer real estate loans
Home equity lines			—				—				—				57
Single family owner occupied			2,341				2,512				437				3,897
Owner occupied construction			—				—				—				—
Consumer and other loans
Consumer loans			—				—				—				—
Total impaired loans with a related allowance			6,480				6,651				1,482				14,098
Total impaired loans		$	16,048			$	16,660			$	1,482			$	23,698

		December 31, 2013
(Amounts in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Average Annual Recorded Investment
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land		$	—			$	—			$	—			$	3,850
Commercial and industrial			292				292				—				698
Multi-family residential			—				—				—				18
Single family non-owner occupied			289				317				—				939
Non-farm, non-residential			5,352				5,682				—				7,225
Agricultural			—				—				—				—
Farmland			351				363				—				370
Consumer real estate loans
Home equity lines			257				264				—				454
Single family owner occupied			2,006				2,414				—				2,156
Owner occupied construction			—				—				—				15
Consumer and other loans
Consumer loans			—				—				—				3
Total impaired loans with no related allowance			8,547				9,332				—				15,728
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land		$	—			$	—			$	—			$	1,057
Commercial and industrial			4,897				10,244				3,794				4,281
Multi-family residential			—				—				—				94
Single family non-owner occupied			375				375				47				892
Non-farm, non-residential			600				600				114				1,494
Agricultural			—				—				—				—
Farmland			—				—				—				—
Consumer real estate loans
Home equity lines			215				230				52				304
Single family owner occupied			4,844				5,035				735				4,498
Owner occupied construction			—				—				—				—
Consumer and other loans
Consumer loans			—				—				—				—
Total impaired loans with a related allowance			10,931				16,484				4,742				12,620
Total impaired loans		$	19,478			$	25,816			$	4,742			$	28,348

Interest Income Recognized on Impaired Loans

The following table presents interest income recognized on impaired loans, excluding PCI loans, in the periods indicated:

		Year ended December 31,
(Amounts in thousands)		2014				2013				2012
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land		$	—			$	294			$	3
Commercial and industrial			17				17				17
Multi-family residential			—				3				4
Single family non-owner occupied			8				99				56
Non-farm, non-residential			96				296				102
Agricultural			—				—				—
Farmland			11				12				—
Consumer real estate loans
Home equity lines			2				25				28
Single family owner occupied			73				70				113
Owner occupied construction			—				5				—
Consumer and other loans
Consumer loans			—				—				—
Total impaired loans with no related allowance			207				821				323
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			—				117				1
Commercial and industrial			47				18				948
Multi-family residential			23				7				3
Single family non-owner occupied			2				3				80
Non-farm, non-residential			31				29				317
Agricultural			—				—				—
Farmland			—				—				—
Consumer real estate loans
Home equity lines			1				12				1
Single family owner occupied			48				54				103
Owner occupied construction			—				—				—
Consumer and other loans
Consumer loans			—				—				—
Total impaired loans with a related allowance			152				240				1,453
Total impaired loans		$	359			$	1,061			$	1,776

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:

		December 31,
(Amounts in thousands)		2014				2013
Recorded investment		$	14,607			$	52,033
Unpaid principal balance			31,169				69,320
Allowance for loan losses			58				747

		Year ended December 31,
(Amounts in thousands)		2014				2013				2012
Interest income recognized		$	3,081			$	1,966			$	—
Average recorded investment			30,007				35,220				—

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:

		December 31, 2014
(Amounts in thousands)		Pass				Special Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	38,858			$	1,384			$	1,029			$	—			$	—			$	41,271
Commercial and industrial			81,196				616				1,287				—				—				83,099
Multi-family residential			89,503				7,007				970				—				—				97,480
Single family non-owner occupied			126,155				3,333				5,683				—				—				135,171
Non-farm, non-residential			441,385				13,028				19,493				—				—				473,906
Agricultural			1,589				—				10				—				—				1,599
Farmland			26,876				1,432				1,209				—				—				29,517
Consumer real estate loans
Home equity lines			107,688				1,606				1,663				—				—				110,957
Single family owner occupied			454,833				8,884				21,758				—				—				485,475
Owner occupied construction			32,551				—				248				—				—				32,799
Consumer and other loans
Consumer loans			68,592				520				235				—				—				69,347
Other			6,555				—				—				—				—				6,555
Total non-covered loans			1,475,781				37,810				53,585				—				—				1,567,176
Covered loans
Commercial loans
Construction, development, and other land			7,598				3,227				2,275				—				—				13,100
Commercial and industrial			2,528				82				52				—				—				2,662
Multi-family residential			1,400				—				184				—				—				1,584
Single family non-owner occupied			2,703				2,059				1,156				—				—				5,918
Non-farm, non-residential			12,672				4,341				8,304				—				—				25,317
Agricultural			43				—				—				—				—				43
Farmland			420				—				296				—				—				716
Consumer real estate loans
Home equity lines			21,295				38,296				800				—				—				60,391
Single family owner occupied			7,094				2,040				2,834				—				—				11,968
Owner occupied construction			84				264				105				—				—				453
Consumer and other loans
Consumer loans			88				—				—				—				—				88
Other			—				—				—				—				—				—
Total covered loans			55,925				50,309				16,006				—				—				122,240
Total loans		$	1,531,706			$	88,119			$	69,591			$	—			$	—			$	1,689,416

		December 31, 2013
(Amounts in thousands)		Pass				Special 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:

		December 31,
		2014												2013
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	—			$	18			$	18			$	1,187			$	761			$	1,948
Commercial and industrial			123				34				157				5,341				92				5,433
Multi-family residential			245				—				245				—				—				—
Single family non-owner occupied			601				77				678				1,966				222				2,188
Non-farm, non-residential			2,334				1,317				3,651				2,685				—				2,685
Agricultural			4				—				4				—				—				—
Farmland			—				—				—				441				301				742
Consumer real estate loans
Home equity lines			792				204				996				765				232				997
Single family owner occupied			6,389				682				7,071				6,567				1,555				8,122
Owner occupied construction			—				106				106				—				190				190
Consumer and other loans
Consumer loans			68				—				68				201				—				201
Other			—				—				—				—				—				—
Total			10,556				2,438				12,994				19,153				3,353				22,506
Purchased impaired loans			—				—				—				8				—				8
Total nonaccrual loans		$	10,556			$	2,438			$	12,994			$	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 December 31, 2014, or December 31, 2013. There were no covered accruing loans contractually past due 90 days or more as of December 31, 2014. Accruing loans contractually past due 90 days or more were $86 thousand as of December 31, 2013, which was attributed to covered home equity lines.

		December 31, 2014
(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		$	39			$	46			$	—			$	85			$	41,186			$	41,271
Commercial and industrial			285				6				103				394				82,705				83,099
Multi-family residential			81				110				—				191				97,289				97,480
Single family non-owner occupied			914				513				425				1,852				133,319				135,171
Non-farm, non-residential			1,075				783				1,984				3,842				470,064				473,906
Agricultural			—				—				4				4				1,595				1,599
Farmland			89				—				—				89				29,428				29,517
Consumer real estate loans
Home equity lines			492				103				571				1,166				109,791				110,957
Single family owner occupied			5,436				1,931				4,564				11,931				473,544				485,475
Owner occupied construction			—				—				—				—				32,799				32,799
Consumer and other loans
Consumer loans			544				84				26				654				68,693				69,347
Other			—				—				—				—				6,555				6,555
Total non-covered loans			8,955				3,576				7,677				20,208				1,546,968				1,567,176
Covered loans
Commercial loans
Construction, development, and other land			120				17				—				137				12,963				13,100
Commercial and industrial			84				12				34				130				2,532				2,662
Multi-family residential			—				—				—				—				1,584				1,584
Single family non-owner occupied			122				—				77				199				5,719				5,918
Non-farm, non-residential			124				140				1,258				1,522				23,795				25,317
Agricultural			—				—				—				—				43				43
Farmland			3				—				—				3				713				716
Consumer real estate loans
Home equity lines			858				318				168				1,344				59,047				60,391
Single family owner occupied			134				34				415				583				11,385				11,968
Owner occupied construction			—				—				—				—				453				453
Consumer and other loans																							—
Consumer loans			—				—				—				—				88				88
Other			—				—				—				—				—				—
Total covered loans			1,445				521				1,952				3,918				118,322				122,240
Total loans		$	10,400			$	4,097			$	9,629			$	24,126			$	1,665,290			$	1,689,416

		December 31, 2013
(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		$	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:

		December 31,
		2014												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			—				1,088				1,088				375				—				375
Non-farm, non-residential			83				4,743				4,826				128				5,490				5,618
Consumer real estate loans
Home equity lines			—				47				47				159				51				210
Single family owner occupied			471				8,412				8,883				423				6,670				7,093
Owner occupied construction			—				244				244				—				—				—
Total TDRs		$	554			$	14,534			$	15,088			$	2,200			$	12,211			$	14,411

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

Troubled Debt Restructurings by Type of Concession Made and Loan Class

The following table presents TDRs, by type of concession made and loan class, restructured during the periods indicated. The post-modification recorded investment represents the loan balance immediately after modification.

		Year Ended December 31,
		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				2			$	601			$	557
Owner occupied construction			1				245				245								—				—
Total			5				2,095				2,095				2				601				557
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 non-owner occupied			1				255				255				1				375				328
Non-farm, non-residential			—				—				—				1				511				511
Single family owner occupied			5				487				487				4				809				757
Total			6				742				742				6				1,695				1,596
Total			13			$	3,608			$	3,608				8			$	2,296			$	2,153

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

The following table presents TDRs, by loan class, restructured within the previous 12 months for which there was a payment default during the years indicated:

		Year Ended December 31,
		2014								2013
(Amounts in thousands)		Total Contracts				Recorded Investment				Total Contracts				Recorded Investment
Single family non-owner occupied			—			$	—				1			$	375
Single family owner occupied			—				—				1				359
Total			—			$	—				2			$	734

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Impaired Financing Receivables Summarized Information Table [Text Block]

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Schedule Of Loans Modified Troubled Debt Restructuring Subsequently Defaulted Table [Text Block]

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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

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