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Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2015

Aggregate Activity in Allowance for Loan Losses

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

		Three Months Ended June 30, 2015
		Allowance Excluding PCI Loans				Allowance for PCI Loans				Total Allowance
(Amounts in thousands)
Beginning balance		$	20,138			$	114			$	20,252
Provision for loan losses			276				—				276
Benefit attributable to the FDIC indemnification asset			—				—				—
Provision for (recovery of) loan losses charged to operations			276				—				276
Provision for loan losses recorded through the FDIC indemnification asset			—				—				—
Charge-offs			(673	)			—				(673	)
Recoveries			403				—				403
Net charge-offs			(270	)			—				(270	)
Ending balance		$	20,144			$	114			$	20,258

		Three Months Ended June 30, 2014
		Allowance Excluding PCI Loans				Allowance for PCI Loans				Total Allowance
(Amounts in thousands)
Beginning balance		$	23,305			$	493			$	23,798
Provision for (recovery of) 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
Recovery of 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

		Six Months Ended June 30, 2015
		Allowance Excluding PCI Loans				Allowance for PCI Loans				Total Allowance
(Amounts in thousands)
Beginning balance		$	20,169			$	58			$	20,227
Provision for loan losses			1,366				56				1,422
Benefit attributable to the FDIC indemnification asset			—				(46	)			(46	)
Provision for loan losses charged to operations			1,366				10				1,376
Provision for loan losses recorded through the FDIC indemnification asset			—				46				46
Charge-offs			(2,251	)			—				(2,251	)
Recoveries			860				—				860
Net charge-offs			(1,391	)			—				(1,391	)
Ending balance		$	20,144			$	114			$	20,258

		Six Months Ended June 30, 2014
		Allowance Excluding PCI Loans				Allowance for PCI Loans				Total Allowance
(Amounts in thousands)
Beginning balance		$	23,322			$	755			$	24,077
Provision for (recovery of) 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
Recovery of 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, Evaluated for Impairment Excluding PCI Loans, by Loan Class

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

		June 30, 2015
(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		$	—			$	—			$	46,459			$	957
Commercial and industrial			—				—				83,086				495
Multi-family residential			—				—				96,735				1,621
Single family non-owner occupied			1,149				41				143,023				3,253
Non-farm, non-residential			14,227				1,657				453,276				4,774
Agricultural			—				—				1,898				14
Farmland			—				—				28,616				182
Total commercial loans			15,376				1,698				853,093				11,296
Consumer real estate loans
Home equity lines			—				—				128,823				1,288
Single family owner occupied			5,777				543				491,897				4,390
Owner occupied construction			356				—				37,252				247
Total consumer real estate loans			6,133				543				657,972				5,925
Consumer and other loans
Consumer loans			—				—				72,178				681
Other			—				—				7,472				—
Total consumer and other loans			—				—				79,650				681
Total loans, excluding PCI loans		$	21,509			$	2,241			$	1,590,715			$	17,902

		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

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:

		Three Months Ended June 30, 2015
		Commercial				Consumer Real Estate				Consumer and Other				Total
(Amounts in thousands)
Beginning balance		$	13,054			$	6,446			$	638			$	20,138
Provision for (recovery of) loan losses charged to operations			98				(99	)			277				276
Loans charged off			(280	)			(90	)			(303	)			(673	)
Recoveries credited to allowance			123				211				69				403
Net chargeoffs			(157	)			121				(234	)			(270	)
Ending balance		$	12,995			$	6,468			$	681			$	20,144

		Three Months Ended June 30, 2014
		Commercial				Consumer Real Estate				Consumer and Other				Total
(Amounts in thousands)
Beginning balance		$	16,339			$	6,393			$	573			$	23,305
Provision for (recovery of) 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) recoveries			(1,028	)			184				(184	)			(1,028	)
Ending balance		$	16,747			$	6,123			$	623			$	23,493

		Six Months Ended June 30, 2015
		Commercial				Consumer Real Estate				Consumer and Other				Total
(Amounts in thousands)
Beginning balance		$	13,010			$	6,489			$	670			$	20,169
Provision for loan losses charged to operations			748				116				502				1,366
Loans charged off			(961	)			(492	)			(798	)			(2,251	)
Recoveries credited to allowance			198				355				307				860
Net chargeoffs			(763	)			(137	)			(491	)			(1,391	)
Ending balance		$	12,995			$	6,468			$	681			$	20,144

		Six Months Ended June 30, 2014
		Commercial				Consumer Real Estate				Consumer and Other				Total
(Amounts in thousands)
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:

		Three Months Ended June 30, 2015
		Commercial				Consumer Real Estate				Consumer and Other				Total
(Amounts in thousands)
Beginning balance		$	—			$	114			$	—			$	114
Provision for PCI loan losses			—				—				—				—
Benefit attributable to FDIC indemnification asset			—				—				—				—
Recovery of loan losses charged to operations			—				—				—				—
Provision for loan losses recorded through the FDIC indemnification asset			—				—				—				—
Ending balance		$	—			$	114			$	—			$	114

		Three Months Ended June 30, 2014
		Commercial				Consumer Real Estate				Consumer and Other				Total
Beginning balance		$	8			$	485			$	—			$	493
Provision for (recovery of) PCI loan losses			8				(83	)			—				(75	)
Benefit attributable to FDIC indemnification asset			—				138				—				138
Provision for loan losses charged to operations			8				55				—				63
Recovery of loan losses recorded through the FDIC indemnification asset			—				(138	)			—				(138	)
Ending balance		$	16			$	402			$	—			$	418

		Six Months Ended June 30, 2015
		Commercial				Consumer Real Estate				Consumer and Other				Total
(Amounts in thousands)
Beginning balance		$	37			$	21			$	—			$	58
(Recovery of) provision for PCI loan losses			(37	)			93				—				56
Benefit (provision) attributable to FDIC indemnification asset			29				(75	)			—				(46	)
(Recovery of) provision for loan losses charged to operations			(8	)			18				—				10
(Recovery of) provision for loan losses recorded through the FDIC indemnification asset			(29	)			75				—				46
Ending balance		$	—			$	114			$	—			$	114

		Six Months Ended June 30, 2014
		Commercial				Consumer Real Estate				Consumer and Other				Total
Beginning balance		$	77			$	678			$	—			$	755
Recovery of PCI loan losses			(61	)			(276	)			—				(337	)
Benefit attributable to FDIC indemnification asset			55				286				—				341
Recovery of loan losses charged to operations			(6	)			10				—				4
Recovery of loan losses recorded through the FDIC indemnification asset			(55	)			(286	)			—				(341	)
Ending balance		$	16			$	402			$	—			$	418

Allowance for Loan Losses Related to PCI Loans and Recorded Investment in Loans

The following table presents the Company’s allowance for loan losses related to PCI loans and recorded investment in PCI loans, by loan pool, as of the dates indicated:

		June 30, 2015								December 31, 2014
(Amounts in thousands)		Loan Pools				Allowance for Loan Pools With Impairment				Loan Pools				Allowance for Loan Pools With Impairment
Commercial loans
Waccamaw commercial		$	11,873			$	—			$	13,392			$	37
Waccamaw lines of credit			201				—				461				—
Peoples commercial			4,856				—				5,875				—
Other			1,307				—				1,358				—
Total commercial loans			18,237				—				21,086				37
Consumer real estate loans
Waccamaw serviced home equity lines			33,703				—				37,342				—
Waccamaw residential			1,933				94				2,638				—
Peoples residential			1,192				20				1,215				21
Total consumer real estate loans			36,828				114				41,195				21
Consumer and other loans
Waccamaw consumer(1)			—				—				2				—
Total loans		$	55,065			$	114			$	62,283			$	58

(1) Closed during the first quarter of 2015.

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

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Schedule Of Information Related To Purchased Credit Impaired Loans.

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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=49124121&loc=SL6953423-111524

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