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Allowance for Loan Losses (Tables)

12 Months Ended

Dec. 31, 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:

		Year Ended December 31, 2015
(Amounts in thousands)		Allowance Excluding PCI Loans				Allowance for PCI Loans				Total Allowance
Beginning balance		$	20,169			$	58			$	20,227
Provision for (recovery of) loan losses			2,166				(4	)			2,162
Benefit attributable to the FDIC indemnification asset			—				29				29
Provision for loan losses charged to operations			2,166				25				2,191
Recovery of loan losses recorded through the FDIC indemnification asset			—				(29	)			(29	)
Charge-offs			(3,745	)			—				(3,745	)
Recoveries			1,589				—				1,589
Net charge-offs			(2,156	)			—				(2,156	)
Ending balance		$	20,179			$	54			$	20,233
		Year Ended December 31, 2014
(Amounts in thousands)		Allowance Excluding PCI Loans				Allowance for PCI Loans				Total Allowance
Beginning balance		$	23,322			$	755			$	24,077
Removal of loans transferred			(682	)			—				(682	)
Provision for (recovery of) loan losses			420				(697	)			(277	)
Benefit attributable to the FDIC indemnification asset			—				422				422
Provision (recovery) of loan losses charged to operations			420				(275	)			145
Recovery of 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	)
Ending balance		$	20,169			$	58			$	20,227
		Year Ended December 31, 2013
(Amounts in thousands)		Allowance Excluding PCI Loans				Allowance for PCI Loans				Total Allowance
Beginning balance		$	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	)
Ending balance		$	23,322			$	755			$	24,077

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:

		December 31, 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		$	—			$	—			$	53,437			$	1,119
Commercial and industrial			—				—				89,885				504
Multi-family residential			—				—				95,486				1,535
Single family non-owner occupied			1,401				124				147,209				3,245
Non-farm, non-residential			14,094				1,568				478,839				4,825
Agricultural			—				—				2,945				22
Farmland			—				—				28,183				190
Total commercial loans			15,495				1,692				895,984				11,440
Consumer real estate loans
Home equity lines			—				—				126,691				1,091
Single family owner occupied			6,874				672				495,761				4,297
Owner occupied construction			349				7				43,323				290
Total consumer real estate loans			7,223				679				665,775				5,678
Consumer and other loans
Consumer loans			—				—				72,084				690
Other			—				—				7,338				—
Total consumer and other loans			—				—				79,422				690
Total loans, excluding PCI loans		$	22,718			$	2,371			$	1,641,181			$	17,808

		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 tables present the components of the activity in the allowance for loan losses, excluding PCI loans, by loan segment, in the periods indicated:

		Year Ended December 31, 2015
(Amounts in thousands)		Commercial				Consumer Real Estate				Consumer and Other				Total
	Beginning balance								$				13,010						$	6,489			$	670			$	20,169
Provision for loan losses charged to operations			931				95				1,140				2,166
Loans charged off			(1,282	)			(906	)			(1,557	)			(3,745	)
Recoveries credited to allowance			474				678				437				1,589
Net charge-offs			(808	)			(228	)			(1,120	)			(2,156	)
Ending balance		$	13,133			$	6,356			$	690			$	20,179
		Year Ended December 31, 2014
(Amounts in thousands)		Commercial				Consumer Real  Estate				Consumer and Other				Total
	Beginning balance								$				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	)
Ending balance		$	13,010			$	6,489			$	670			$	20,169
		Year Ended December 31, 2013
(Amounts in thousands)		Commercial				Consumer Real Estate				Consumer and Other				Total
	Beginning balance								$				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	)
Ending balance		$	16,090			$	6,597			$	635			$	23,322

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:

		Year Ended December 31, 2015
(Amounts in thousands)		Commercial				Consumer Real  Estate				Consumer and Other				Total
	Beginning balance								$				37						$	21			$	—			$	58
(Recovery of) provision for PCI loan losses			(37	)			33				—				(4	)
Benefit attributable to FDIC indemnification asset			29				—				—				29
(Recovery of) provision for loan losses charged to operations			(8	)			33				—				25
Recovery of loan losses recorded through the FDIC indemnification asset			(29	)			—				—				(29	)
Ending balance		$	—			$	54			$	—			$	54
		Year Ended December 31, 2014
(Amounts in thousands)		Commercial				Consumer Real Estate				Consumer and Other				Total
	Beginning balance								$				77						$	678			$	—			$	755
Recovery of PCI loan losses			(40	)			(657	)			—				(697	)
Benefit attributable to FDIC indemnification asset			26				396				—				422
Recovery of loan losses charged to operations			(14	)			(261	)			—				(275	)
Recovery of loan losses recorded through the FDIC indemnification asset			(26	)			(396	)			—				(422	)
Ending balance		$	37			$	21			$	—			$	58
		Year Ended December 31, 2013
(Amounts in thousands)		Commercial				Consumer Real Estate				Consumer and Other				Total
	Beginning balance								$				8						$	—			$	—			$	8
Provision for PCI loan losses			69				678				—				747
Benefit attributable to FDIC indemnification asset			(55	)			(396	)			—				(451	)
Recovery of loan losses charged to operations			14				282				—				296
Provision for loan losses recorded through the FDIC indemnification asset			55				396				—				451
Ending balance		$	77			$	678			$	—			$	755

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:

		December 31,
		2015								2014
(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		$	3,788			$	—			$	13,392			$	37
Waccamaw lines of credit			—				—				461				—
Peoples commercial			5,525				—				5,875				—
Other			1,254				—				1,358				—
Total commercial loans			10,567				—				21,086				37
Consumer real estate loans
Waccamaw serviced home equity lines			29,241				—				37,342				—
Waccamaw residential			1,678				1				2,638				—
Peoples residential			1,156				53				1,215				21
Total consumer real estate loans			32,075				54				41,195				21
Consumer and other loans
Waccamaw consumer (1)			—				—				2				—
Total loans		$	42,642			$	54			$	62,283			$	58

(1) Closed during the first quarter of 2015.

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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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