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Credit Quality (Tables)

3 Months Ended

Mar. 31, 2015

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:

		March 31, 2015												December 31, 2014
(Amounts in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance				Recorded Investment				Unpaid Principal Balance				Related Allowance
Impaired loans with no related allowance:
Commercial loans
Single family non-owner occupied		$	464			$	464			$	—			$	466			$	466			$	—
Non-farm, non-residential			8,878				9,243				—				5,705				6,049				—
Consumer real estate loans
Single family owner occupied			3,658				3,964				—				3,397				3,494				—
Total impaired loans with no allowance			13,000				13,671				—				9,568				10,009				—
Impaired loans with a related allowance:
Commercial loans
Single family non-owner occupied			364				364				40				367				367				45
Non-farm, non-residential			4,002				4,013				1,198				3,772				3,772				1,000
Consumer real estate loans
Single family owner occupied			2,402				2,404				517				2,341				2,512				437
Total impaired loans with an allowance			6,768				6,781				1,755				6,480				6,651				1,482
Total impaired loans		$	19,768			$	20,452			$	1,755			$	16,048			$	16,660			$	1,482

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
		March 31, 2015								March 31, 2014
(Amounts in thousands)		Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Impaired loans with no related allowance:
Commercial loans
Commercial and industrial		$	—			$	—			$	292			$	12
Single family non-owner occupied			459				1				420				1
Non-farm, non-residential			8,792				163				5,918				36
Farmland			—				—				363				11
Consumer real estate loans
Home equity lines			—				—				265				2
Single family owner occupied			3,640				100				2,101				51
Total impaired loans with no allowance			12,891				264				9,359				113
Impaired loans with a related allowance:
Commercial loans
Commercial and industrial			—				—				5,157				47
Multi-family residential			—				—				5,603				22
Single family non-owner occupied			361				2				372				1
Non-farm, non-residential			4,064				19				4,399				25
Consumer real estate loans
Home equity lines			—				—				229				1
Single family owner occupied			2,374				10				4,580				34
Total impaired loans with an allowance			6,799				31				20,340				130
Total impaired loans		$	19,690			$	295			$	29,699			$	243

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:

		March 31, 2015				December 31, 2014
(Amounts in thousands)
Recorded investment		$	3,640			$	14,607
Unpaid principal balance			4,733				31,169
Allowance for loan losses			114				58

		Three Months Ended March 31,
		2015				2014
(Amounts in thousands)
Interest income recognized		$	90			$	782
Average recorded investment			3,895				49,276

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:

		March 31, 2015
(Amounts in thousands)		Pass				Special Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	37,686			$	381			$	1,561			$	—			$	—			$	39,628
Commercial and industrial			76,535				592				1,355				—				—				78,482
Multi-family residential			89,366				6,977				952				—				—				97,295
Single family non-owner occupied			128,425				3,853				5,158				—				—				137,436
Non-farm, non-residential			433,629				11,988				17,418				—				—				463,035
Agricultural			1,666				—				5				—				—				1,671
Farmland			26,652				1,361				631				—				—				28,644
Consumer real estate loans
Home equity lines			105,913				1,531				1,714				—				—				109,158
Single family owner occupied			461,699				7,463				22,155				—				—				491,317
Owner occupied construction			35,077				—				247				—				—				35,324
Consumer and other loans
Consumer loans			68,348				467				269				—				—				69,084
Other			7,236				—				—				—				—				7,236
Total non-covered loans			1,472,232				34,613				51,465				—				—				1,558,310
Covered loans
Commercial loans
Construction, development, and other land			5,756				2,920				1,734				—				—				10,410
Commercial and industrial			2,272				82				17				—				—				2,371
Multi-family residential			490				—				188				—				—				678
Single family non-owner occupied			2,390				1,290				1,166				—				—				4,846
Non-farm, non-residential			12,476				4,153				8,043				—				—				24,672
Agricultural			42				—				—				—				—				42
Farmland			405				—				292				—				—				697
Consumer real estate loans
Home equity lines			20,385				36,143				887				—				—				57,415
Single family owner occupied			6,769				1,739				2,486				—				—				10,994
Owner occupied construction			190				219				103				—				—				512
Consumer and other loans
Consumer loans			87				—				—				—				—				87
Other			—				—				—				—				—				—
Total covered loans			51,262				46,546				14,916				—				—				112,724
Total loans		$	1,523,494			$	81,159			$	66,381			$	—			$	—			$	1,671,034

		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

Nonaccrual Loans by Loan Class

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

		March 31, 2015												December 31, 2014
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	—			$	39			$	39			$	—			$	18			$	18
Commercial and industrial			124				—				124				123				34				157
Multi-family residential			346				—				346				245				—				245
Single family non-owner occupied			557				77				634				601				77				678
Non-farm, non-residential			6,064				1,560				7,624				2,334				1,317				3,651
Agricultural			—				—				—				4				—				4
Farmland			57				—				57				—				—				—
Consumer real estate loans
Home equity lines			794				493				1,287				792				204				996
Single family owner occupied			7,311				508				7,819				6,389				682				7,071
Owner occupied construction			—				103				103				—				106				106
Consumer and other loans
Consumer loans			134				—				134				68				—				68
Total nonaccrual loans		$	15,387			$	2,780			$	18,167			$	10,556			$	2,438			$	12,994

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 March 31, 2015, and no non-covered or covered accruing loans contractually past due 90 days or more as of December 31, 2014. Covered accruing loans contractually past due 90 days or more totaled $60 thousand as of March 31, 2015.

		March 31, 2015
(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		$	21			$	—			$	—			$	21			$	39,607			$	39,628
Commercial and industrial			278				192				105				575				77,907				78,482
Multi-family residential			283				—				109				392				96,903				97,295
Single family non-owner occupied			1,204				302				368				1,874				135,562				137,436
Non-farm, non-residential			1,200				3,830				2,289				7,319				455,716				463,035
Agricultural			5				—				—				5				1,666				1,671
Farmland			6				—				57				63				28,581				28,644
Consumer real estate loans
Home equity lines			784				28				524				1,336				107,822				109,158
Single family owner occupied			4,960				1,259				3,818				10,037				481,280				491,317
Owner occupied construction			—				353				—				353				34,971				35,324
Consumer and other loans
Consumer loans			379				85				39				503				68,581				69,084
Other			—				—				—				—				7,236				7,236
Total non-covered loans			9,120				6,049				7,309				22,478				1,535,832				1,558,310
Covered loans
Commercial loans
Construction, development, and other land			43				18				5				66				10,344				10,410
Commercial and industrial			179				95				—				274				2,097				2,371
Multi-family residential			—				—				—				—				678				678
Single family non-owner occupied			10				—				77				87				4,759				4,846
Non-farm, non-residential			46				45				1,488				1,579				23,093				24,672
Agricultural			—				—				—				—				42				42
Farmland			111				—				—				111				586				697
Consumer real estate loans
Home equity lines			317				279				177				773				56,642				57,415
Single family owner occupied			178				33				241				452				10,542				10,994
Owner occupied construction			—				—				—				—				512				512
Consumer and other loans
Consumer loans			—				—				—				—				87				87
Other			—				—				—				—				—				—
Total covered loans			884				470				1,988				3,342				109,382				112,724
Total loans		$	10,004			$	6,519			$	9,297			$	25,820			$	1,645,214			$	1,671,034

		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

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:

		March 31, 2015												December 31, 2014
(Amounts in thousands)		Nonaccrual(1)				Accruing				Total				Nonaccrual(1)				Accruing				Total
Commercial loans
Single family non-owner occupied		$	—			$	829			$	829			$	—			$	1,088			$	1,088
Non-farm, non-residential			83				4,704				4,787				83				4,743				4,826
Consumer real estate loans
Home equity lines			—				46				46				—				47				47
Single family owner occupied			623				8,199				8,822				471				8,412				8,883
Owner occupied construction			—				247				247				—				244				244
Total TDRs		$	706			$	14,025			$	14,731			$	554			$	14,534			$	15,088

(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 table presents 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 March 31,
		2015												2014
(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			—			$	—			$	—				—			$	—			$	—
Owner occupied construction			—				—				—				1				245				245
Total			—				—				—				1				245				245
Extended payment term
Single family non-owner occupied			—				—				—				1				303				303
Non-farm, non-residential			—				—				—				1				134				134
Total			—				—				—				2				437				437
Below market interest rate and extended payment term
Single family owner occupied			—				—				—				2				266				266
Total			—			$	—			$	—				5			$	948			$	948

Summary of Information Related to OREO

The following table presents information related to OREO as of the dates indicated:

		March 31, 2015				December 31, 2014
(Amounts in thousands)
Non-covered OREO		$	7,032			$	6,638
Covered OREO			5,834				6,324
Total OREO			12,866				12,962
OREO secured by residential real estate		$	4,562			$	6,155
Residential real estate loans in the foreclosure process(1)			5,007				4,561

(1) The recorded investment in consumer mortgage loans collateralized by residential real estate that are in the process of foreclosure according to local requirements of the applicable jurisdiction.

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