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Credit Quality (Tables)

12 Months Ended

Dec. 31, 2015

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

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

		December 31, 2015
(Amounts in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance
Impaired loans with no related allowance:
Commercial loans
Single family non-owner occupied		$	782			$	783			$	—
Non-farm, non-residential			8,427				8,427				—
Consumer real estate loans
Single family owner occupied			1,975				2,067				—
Total impaired loans with no related allowance			11,184				11,277				—
Impaired loans with a related allowance:
Commercial loans
Single family non-owner occupied			619				623				124
Non-farm, non-residential			5,667				5,673				1,568
Consumer real estate loans
Single family owner occupied			4,899				4,907				672
Owner occupied construction			349				355				7
Total impaired loans with a related allowance			11,534				11,558				2,371
Total impaired loans		$	22,718			$	22,835			$	2,371

		December 31, 2014
(Amounts in thousands)		Recorded Investment				Unpaid Principal Balance				Related Allowance
Impaired loans with no related allowance:
Commercial loans
Single family non-owner occupied		$	466			$	466			$	—
Non-farm, non-residential			5,705				6,049				—
Consumer real estate loans
Single family owner occupied			3,397				3,494				—
Total impaired loans with no related allowance			9,568				10,009				—
Impaired loans with a related allowance:
Commercial loans
Single family non-owner occupied			367				367				45
Non-farm, non-residential			3,772				3,772				1,000
Consumer real estate loans
Single family owner occupied			2,341				2,512				437
Total impaired loans with a related allowance			6,480				6,651				1,482
Total impaired loans		$	16,048			$	16,660			$	1,482

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

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

		Year ended December 31,
		2015								2014								2013
(Amounts in thousands)		Interest Income				Average Recorded Investment				Interest Income				Average Recorded Investment				Interest Income				Average Recorded Investment
Impaired loans with no related allowance:
Commercial loans
Construction, development, and other land		$	—			$	—			$	—			$	—			$	294			$	3,850
Commercial and industrial			—				—				17				461				17				698
Multi-family residential			—				—				—				—				3				18
Single family non-owner occupied			34				626				8				301				99				939
Non-farm, non-residential			295				8,767				96				6,083				296				7,225
Farmland			—				—				11				181				12				370
Consumer real estate loans
Home equity lines			—				—				2				66				25				454
Single family owner occupied			136				2,432				73				2,508				70				2,156
Owner occupied construction			—				88				—				—				5				15
Consumer and other loans
Consumer loans			—				—				—				—				—				3
Total impaired loans with no related allowance			465				11,913				207				9,600				821				15,728
Impaired loans with a related allowance:
Commercial loans
Construction, development, and other land			—				—				—				—				117				1,057
Commercial and industrial			—				—				47				2,199				18				4,281
Multi-family residential			—				—				23				4,190				7				94
Single family non-owner occupied			25				575				2				369				3				892
Non-farm, non-residential			65				4,987				31				3,386				29				1,494
Consumer real estate loans
Home equity lines			—				—				1				57				12				304
Single family owner occupied			26				3,731				48				3,897				54				4,498
Owner occupied construction			1				178				—				—				—				—
Total impaired loans with a related allowance			117				9,471				152				14,098				240				12,620
Total impaired loans		$	582			$	21,384			$	359			$	23,698			$	1,061			$	28,348

Additional Information Related to the Impaired Loan Pools

The following tables present additional information related to the impaired loan pools as of the dates, and in the periods, indicated:

		December 31,
(Amounts in thousands)		2015				2014
Recorded investment		$	2,834			$	14,607
Unpaid principal balance			3,759				31,169
Allowance for loan losses			54				58

		Year ended December 31,
(Amounts in thousands)		2015				2014				2013
Interest income recognized		$	364			$	3,081			$	1,966
Average recorded investment			3,309				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, 2015
(Amounts in thousands)		Pass				Special Mention				Substandard				Doubtful				Loss				Total
Non-covered loans
Commercial loans
Construction, development, and other land		$	46,816			$	974			$	1,106			$	—			$	—			$	48,896
Commercial and industrial			87,223				663				1,017				—				—				88,903
Multi-family residential			81,168				12,969				889				—				—				95,026
Single family non-owner occupied			139,680				3,976				5,695				—				—				149,351
Non-farm, non-residential			454,906				15,170				15,384				—				—				485,460
Agricultural			2,886				25				—				—				—				2,911
Farmland			25,855				1,427				258				—				—				27,540
Consumer real estate loans
Home equity lines			104,897				1,083				1,387				—				—				107,367
Single family owner occupied			468,155				6,686				20,368				—				—				495,209
Owner occupied construction			42,783				—				722				—				—				43,505
Consumer and other loans
Consumer loans			71,685				61				254				—				—				72,000
Other			7,338				—				—				—				—				7,338
Total non-covered loans			1,533,392				43,034				47,080				—				—				1,623,506
Covered loans
Commercial loans
Construction, development, and other land			3,908				1,261				1,134				—				—				6,303
Commercial and industrial			1,144				4				22				—				—				1,170
Multi-family residential			460				—				180				—				—				640
Single family non-owner occupied			1,808				457				409				—				—				2,674
Non-farm, non-residential			9,192				2,044				2,829				—				—				14,065
Agricultural			34				—				—				—				—				34
Farmland			364				—				279				—				—				643
Consumer real estate loans
Home equity lines			17,893				29,823				849				—				—				48,565
Single family owner occupied			5,102				1,963				1,530				—				—				8,595
Owner occupied construction			112				51				99				—				—				262
Consumer and other loans
Consumer loans			84				—				—				—				—				84
Total covered loans			40,101				35,603				7,331				—				—				83,035
Total loans		$	1,573,493			$	78,637			$	54,411			$	—			$	—			$	1,706,541

		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
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:

		December 31,
		2015												2014
(Amounts in thousands)		Non-covered				Covered				Total				Non-covered				Covered				Total
Commercial loans
Construction, development, and other land		$	39			$	54			$	93			$	—			$	18			$	18
Commercial and industrial			—				16				16				123				34				157
Multi-family residential			84				—				84				245				—				245
Single family non-owner occupied			1,850				29				1,879				601				77				678
Non-farm, non-residential			7,150				39				7,189				2,334				1,317				3,651
Agricultural			—				—				—				4				—				4
Farmland			234				—				234				—				—				—
Consumer real estate loans
Home equity lines			825				413				1,238				792				204				996
Single family owner occupied			7,245				96				7,341				6,389				682				7,071
Owner occupied construction			349				—				349				—				106				106
Consumer and other loans
Consumer loans			71				—				71				68				—				68
Total nonaccrual loans		$	17,847			$	647			$	18,494			$	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 or covered accruing loans contractually past due 90 days or more as of December 31, 2015, or December 31, 2014.

		December 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		$	—			$	—			$	39			$	39			$	48,857			$	48,896
Commercial and industrial			281				66				—				347				88,556				88,903
Multi-family residential			302				76				84				462				94,564				95,026
Single family non-owner occupied			748				120				929				1,797				147,554				149,351
Non-farm, non-residential			347				676				4,940				5,963				479,497				485,460
Agricultural			—				—				—				—				2,911				2,911
Farmland			585				11				234				830				26,710				27,540
Consumer real estate loans
Home equity lines			668				195				468				1,331				106,036				107,367
Single family owner occupied			6,122				1,943				3,191				11,256				483,953				495,209
Owner occupied construction			—				—				—				—				43,505				43,505
Consumer and other loans
Consumer loans			278				71				23				372				71,628				72,000
Other			—				—				—				—				7,338				7,338
Total non-covered loans			9,331				3,158				9,908				22,397				1,601,109				1,623,506
Covered loans
Commercial loans
Construction, development, and other land			96				—				42				138				6,165				6,303
Commercial and industrial			—				—				16				16				1,154				1,170
Multi-family residential			—				—				—				—				640				640
Single family non-owner occupied			1,422				—				—				1,422				1,252				2,674
Non-farm, non-residential			—				—				39				39				14,026				14,065
Agricultural			—				—				—				—				34				34
Farmland			—				—				—				—				643				643
Consumer real estate loans
Home equity lines			489				37				225				751				47,814				48,565
Single family owner occupied			274				—				42				316				8,279				8,595
Owner occupied construction			—				—				—				—				262				262
Consumer and other loans
Consumer loans			—				—				—				—				84				84
Total covered loans			2,281				37				364				2,682				80,353				83,035
Total loans		$	11,612			$	3,195			$	10,272			$	25,079			$	1,681,462			$	1,706,541

		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
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

Interest Income related to TDRs

The following table presents interest income related to TDRs in the periods, indicated:

		Year Ended December 31,
(Amounts in thousands)		2015				2014				2013
Interest income recognized		$	608			$	597			$	551

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,
		2015												2014
(Amounts in thousands)		Nonaccrual  (1)				Accruing				Total				Nonaccrual  (1)				Accruing				Total
Commercial loans
Single family non-owner occupied		$	130			$	820			$	950			$	—			$	1,088			$	1,088
Non-farm, non-residential			—				4,600				4,600				83				4,743				4,826
Consumer real estate loans
Home equity lines			127				43				170				—				47				47
Single family owner occupied			733				8,256				8,989				471				8,412				8,883
Owner occupied construction			349				243				592				—				244				244
Total TDRs		$	1,339			$	13,962			$	15,301			$	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 after modification.

		Year Ended December 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			—			$	—			$	—				4			$	1,850			$	1,850
Owner occupied construction			—				—				—				1				245				245
Total			—				—				—				5				2,095				2,095
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
Single family owner occupied			5				342				342				5				487				487
Total			5				342				342				6				742				742
Total			5			$	342			$	342				13			$	3,608			$	3,608

Summary of Information Related to OREO

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

		December 31,
(Amounts in thousands)		2015				2014
Non-covered OREO		$	4,873			$	6,638
Covered OREO			4,034				6,324
Total OREO		$	8,907			$	12,962
Non-covered OREO secured by residential real estate		$	2,677			$	6,155
Residential real estate loans in the foreclosure process (1)			2,727				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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-Publisher FASB
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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=49124121&loc=d3e5111-111524

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X

- 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 33
-URI http://asc.fasb.org/extlink&oid=49124121&loc=SL6953676-111524

Reference 2: 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=49124121&loc=SL6953682-111524

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