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Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2016

Allowance for Loan Losses, by Loan Segment

The following tables present the activity in the allowance for loan losses, by loan segment, for the periods indicated:

		Three Months Ended June 30, 2016
(Amounts in thousands)		Commercial				Consumer Real Estate				Consumer and Other				Total Allowance
Allowance, excluding PCI
Beginning balance		$	13,270			$	6,470			$	703			$	20,443
Provision for loan losses charged to operations			219				237				268				724
Charge-offs			(191	)			(238	)			(262	)			(691	)
Recoveries			391				156				64				611
Net recoveries (charge-offs)			200				(82	)			(198	)			(80	)
Ending balance		$	13,689			$	6,625			$	773			$	21,087
PCI allowance
Beginning balance		$	—			$	24			$	—			$	24
Recovery of loan losses			—				(12	)			—				(12	)
Benefit attributable to the FDIC indemnification asset			—				10				—				10
Recovery of loan losses charged to operations			—				(2	)			—				(2	)
Recovery of loan losses recorded through the FDIC indemnification asset			—				(10	)			—				(10	)
Ending balance		$	—			$	12			$	—			$	12
Total allowance
Beginning balance		$	13,270			$	6,494			$	703			$	20,467
Provision for loan losses			219				225				268				712
Benefit attributable to the FDIC indemnification asset			—				10				—				10
Provision for loan losses charged to operations			219				235				268				722
Recovery of loan losses recorded through the FDIC indemnification asset			—				(10	)			—				(10	)
Charge-offs			(191	)			(238	)			(262	)			(691	)
Recoveries			391				156				64				611
Net recoveries (charge-offs)			200				(82	)			(198	)			(80	)
Ending balance		$	13,689			$	6,637			$	773			$	21,099

		Three Months Ended June 30, 2015
(Amounts in thousands)		Commercial				Consumer Real Estate				Consumer and Other				Total Allowance
Allowance, excluding PCI
Beginning balance		$	13,054			$	6,446			$	638			$	20,138
Provision for loan losses charged to operations			98				(99	)			277				276
Charge-offs			(280	)			(90	)			(303	)			(673	)
Recoveries			123				211				69				403
Net (charge-offs) recoveries			(157	)			121				(234	)			(270	)
Ending balance		$	12,995			$	6,468			$	681			$	20,144
PCI allowance
Beginning balance		$	—			$	114			$	—			$	114
(Recovery of) provision for loan losses			—				—				—				—
Benefit attributable to the FDIC indemnification asset			—				—				—				—
(Recovery of) provision for loan losses charged to operations			—				—				—				—
(Recovery of) provision for loan losses recorded through the FDIC indemnification asset			—				—				—				—
Ending balance		$	—			$	114			$	—			$	114
Total allowance
Beginning balance		$	13,054			$	6,560			$	638			$	20,252
Provision for loan losses			98				(99	)			277				276
Benefit attributable to the FDIC indemnification asset			—				—				—				—
Provision for loan losses charged to operations			98				(99	)			277				276
(Recovery of) provision for loan losses recorded through the FDIC indemnification asset			—				—				—				—
Charge-offs			(280	)			(90	)			(303	)			(673	)
Recoveries			123				211				69				403
Net (charge-offs) recoveries			(157	)			121				(234	)			(270	)
Ending balance		$	12,995			$	6,582			$	681			$	20,258

		Six Months Ended June 30, 2016
(Amounts in thousands)		Commercial				Consumer Real Estate				Consumer and Other				Total Allowance
Allowance, excluding PCI
Beginning balance		$	13,133			$	6,356			$	690			$	20,179
Provision for loan losses charged to operations			526				1,011				413				1,950
Charge-offs			(475	)			(928	)			(516	)			(1,919	)
Recoveries			505				186				186				877
Net recoveries (charge-offs)			30				(742	)			(330	)			(1,042	)
Ending balance		$	13,689			$	6,625			$	773			$	21,087
PCI allowance
Beginning balance		$	—			$	54			$	—			$	54
Recovery of loan losses			—				(42	)			—				(42	)
Benefit attributable to the FDIC indemnification asset			—				1				—				1
Recovery of loan losses charged to operations			—				(41	)			—				(41	)
Recovery of loan losses recorded through the FDIC indemnification asset			—				(1	)			—				(1	)
Ending balance		$	—			$	12			$	—			$	12
Total allowance
Beginning balance		$	13,133			$	6,410			$	690			$	20,233
Provision for loan losses			526				969				413				1,908
Benefit attributable to the FDIC indemnification asset			—				1				—				1
Provision for loan losses charged to operations			526				970				413				1,909
Recovery of loan losses recorded through the FDIC indemnification asset			—				(1	)			—				(1	)
Charge-offs			(475	)			(928	)			(516	)			(1,919	)
Recoveries			505				186				186				877
Net recoveries (charge-offs)			30				(742	)			(330	)			(1,042	)
Ending balance		$	13,689			$	6,637			$	773			$	21,099

		Six Months Ended June 30, 2015
(Amounts in thousands)		Commercial				Consumer Real Estate				Consumer and Other				Total Allowance
Allowance, excluding PCI
Beginning balance		$	13,010			$	6,489			$	670			$	20,169
Provision for loan losses charged to operations			748				116				502				1,366
Charge-offs			(961	)			(492	)			(798	)			(2,251	)
Recoveries			198				355				307				860
Net charge-offs			(763	)			(137	)			(491	)			(1,391	)
Ending balance		$	12,995			$	6,468			$	681			$	20,144
PCI allowance
Beginning balance		$	37			$	21			$	—			$	58
(Recovery of) provision for loan losses			(37	)			93				—				56
Benefit attributable to the 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
Total allowance
Beginning balance		$	13,047			$	6,510			$	670			$	20,227
Provision for loan losses			711				209				502				1,422
Benefit attributable to the FDIC indemnification asset			29				(75	)			—				(46	)
Provision for loan losses charged to operations			740				134				502				1,376
(Recovery of) provision for loan losses recorded through the FDIC indemnification asset			(29	)			75				—				46
Charge-offs			(961	)			(492	)			(798	)			(2,251	)
Recoveries			198				355				307				860
Net charge-offs			(763	)			(137	)			(491	)			(1,391	)
Ending balance		$	12,995			$	6,582			$	681			$	20,258

Allowance for Loan Losses and Recorded Investment in Loans, Evaluated for Impairment Excluding PCI Loans, by Loan Class

The following tables present the 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, 2016
(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		$	—			$	—			$	63,042			$	924
Commercial and industrial			—				—				93,666				545
Multi-family residential			—				—				109,651				1,543
Single family non-owner occupied			1,135				108				151,001				3,314
Non-farm, non-residential			10,047				1,518				543,238				5,495
Agricultural			—				—				4,447				32
Farmland			—				—				28,133				210
Total commercial loans			11,182				1,626				993,178				12,063
Consumer real estate loans
Home equity lines			—				—				123,943				1,129
Single family owner occupied			5,273				760				505,212				4,460
Owner occupied construction			343				—				43,006				276
Total consumer real estate loans			5,616				760				672,161				5,865
Consumer and other loans
Consumer loans			—				—				75,784				773
Other			—				—				7,507				—
Total consumer and other loans			—				—				83,291				773
Total loans, excluding PCI loans		$	16,798			$	2,386			$	1,748,630			$	18,701
		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

Purchased Credit Impaired

Allowance for Loan Losses on PCI Loans and Recorded Investment in Loans

The following table presents the allowance for loan losses on PCI loans and recorded investment in PCI loans, by loan pool, as of the dates indicated:

		June 30, 2016								December 31, 2015
(Amounts in thousands)		Recorded Investment				Allowance for Loan Pools With Impairment				Recorded Investment				Allowance for Loan Pools With Impairment
Commercial loans
Waccamaw commercial		$	2,676			$	—			$	3,788			$	—
Peoples commercial			5,268				—				5,525				—
Other			1,200				—				1,254				—
Total commercial loans			9,144				—				10,567				—
Consumer real estate loans
Waccamaw serviced home equity lines			24,828				—				29,241				—
Waccamaw residential			1,461				—				1,678				1
Peoples residential			1,122				12				1,156				53
Total consumer real estate loans			27,411				12				32,075				54
Total PCI loans		$	36,555			$	12			$	42,642			$	54

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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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- Definition

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=66008989&loc=SL6953423-111524

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