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Credit Quality (Tables) | 9 Months Ended
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Sep. 30, 2016
Loans Held for Investment by Internal Credit Risk Grade | The following tables present the recorded investment of the loan portfolio, disaggregated by class and credit quality, as of the dates indicated. Losses on covered loans are generally reimbursable by the FDIC at the applicable loss share percentage, 80%; therefore, covered loans are disclosed separately.
|  | September 30, 2016 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |
(Amounts in thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 48,015 |  |  | $ | 992 |  |  | $ | 792 |  |  | $ | — |  |  | $ | — |  |  | $ | 49,799 |
Commercial and industrial |  |  | 85,440 |  |  |  | 3,687 |  |  |  | 1,235 |  |  |  | — |  |  |  | — |  |  |  | 90,362 |
Multi-family residential |  |  | 118,153 |  |  |  | 8,528 |  |  |  | 787 |  |  |  | — |  |  |  | — |  |  |  | 127,468 |
Single family non-owner occupied |  |  | 133,550 |  |  |  | 4,644 |  |  |  | 5,829 |  |  |  | — |  |  |  | — |  |  |  | 144,023 |
Non-farm, non-residential |  |  | 568,766 |  |  |  | 16,044 |  |  |  | 10,495 |  |  |  | 710 |  |  |  | — |  |  |  | 596,015 |
Agricultural |  |  | 5,711 |  |  |  | 75 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,786 |
Farmland |  |  | 29,653 |  |  |  | 1,820 |  |  |  | 501 |  |  |  | — |  |  |  | — |  |  |  | 31,974 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 106,086 |  |  |  | 733 |  |  |  | 1,289 |  |  |  | — |  |  |  | — |  |  |  | 108,108 |
Single family owner occupied |  |  | 471,389 |  |  |  | 5,725 |  |  |  | 20,102 |  |  |  | 479 |  |  |  | — |  |  |  | 497,695 |
Owner occupied construction |  |  | 43,216 |  |  |  | — |  |  |  | 709 |  |  |  | — |  |  |  | — |  |  |  | 43,925 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 76,086 |  |  |  | 23 |  |  |  | 248 |  |  |  | — |  |  |  | 6 |  |  |  | 76,363 |
Other |  |  | 3,029 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,029 |
Total non-covered loans |  |  | 1,689,094 |  |  |  | 42,271 |  |  |  | 41,987 |  |  |  | 1,189 |  |  |  | 6 |  |  |  | 1,774,547 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 2,830 |  |  |  | 872 |  |  |  | 997 |  |  |  | — |  |  |  | — |  |  |  | 4,699 |
Commercial and industrial |  |  | 926 |  |  |  | — |  |  |  | 15 |  |  |  | — |  |  |  | — |  |  |  | 941 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 43 |  |  |  | — |  |  |  | — |  |  |  | 43 |
Single family non-owner occupied |  |  | 1,056 |  |  |  | 65 |  |  |  | 207 |  |  |  | — |  |  |  | — |  |  |  | 1,328 |
Non-farm, non-residential |  |  | 7,038 |  |  |  | 616 |  |  |  | 658 |  |  |  | — |  |  |  | — |  |  |  | 8,312 |
Agricultural |  |  | 26 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 26 |
Farmland |  |  | 143 |  |  |  | — |  |  |  | 269 |  |  |  | — |  |  |  | — |  |  |  | 412 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 15,092 |  |  |  | 22,867 |  |  |  | 778 |  |  |  | — |  |  |  | — |  |  |  | 38,737 |
Single family owner occupied |  |  | 4,810 |  |  |  | 945 |  |  |  | 1,303 |  |  |  | — |  |  |  | — |  |  |  | 7,058 |
Owner occupied construction |  |  | 105 |  |  |  | — |  |  |  | 96 |  |  |  | — |  |  |  | — |  |  |  | 201 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 80 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 80 |
Total covered loans |  |  | 32,106 |  |  |  | 25,365 |  |  |  | 4,366 |  |  |  | — |  |  |  | — |  |  |  | 61,837 |
Total loans |  | $ | 1,721,200 |  |  | $ | 67,636 |  |  | $ | 46,353 |  |  | $ | 1,189 |  |  | $ | 6 |  |  | $ | 1,836,384 |
|  | December 31, 2015 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |
(Amounts in thousands) |  | Pass |  |  | 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 |
Recorded Investment Unpaid Principal Balance and Related Information for Impaired Loans Excluding Purchased Credit Impaired Loans | The following table presents the recorded investment, unpaid principal balance, and related allowance for loan losses for impaired loans, excluding PCI loans, as of the periods indicated:
|  | September 30, 2016 |  |  | December 31, 2015 |
|  |  |  |  | Unpaid |  |  |  |  |  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Principal |  |  | Related |
(Amounts in thousands) |  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Balance |  |  | Allowance |
Impaired loans with no related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family residential |  | $ | 292 |  |  | $ | 297 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Single family non-owner occupied |  |  | 455 |  |  |  | 455 |  |  |  | — |  |  |  | 782 |  |  |  | 783 |  |  |  | — |
Non-farm, non-residential |  |  | 5,210 |  |  |  | 5,352 |  |  |  | — |  |  |  | 8,427 |  |  |  | 8,427 |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 1,137 |  |  |  | 1,195 |  |  |  | — |  |  |  | 1,975 |  |  |  | 2,067 |  |  |  | — |
Owner occupied construction |  |  | 342 |  |  |  | 353 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with no allowance |  |  | 7,436 |  |  |  | 7,652 |  |  |  | — |  |  |  | 11,184 |  |  |  | 11,277 |  |  |  | — |
Impaired loans with a related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family non-owner occupied |  |  | 676 |  |  |  | 677 |  |  |  | 107 |  |  |  | 619 |  |  |  | 623 |  |  |  | 124 |
Non-farm, non-residential |  |  | 4,599 |  |  |  | 4,636 |  |  |  | 1,843 |  |  |  | 5,667 |  |  |  | 5,673 |  |  |  | 1,568 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 4,083 |  |  |  | 4,129 |  |  |  | 853 |  |  |  | 4,899 |  |  |  | 4,907 |  |  |  | 672 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 349 |  |  |  | 355 |  |  |  | 7 |
Total impaired loans with an allowance |  |  | 9,358 |  |  |  | 9,442 |  |  |  | 2,803 |  |  |  | 11,534 |  |  |  | 11,558 |  |  |  | 2,371 |
Total impaired loans |  | $ | 16,794 |  |  | $ | 17,094 |  |  | $ | 2,803 |  |  | $ | 22,718 |  |  | $ | 22,835 |  |  | $ | 2,371 |
Average Annual Recorded Investment and Interest Income Recognized on Impaired Loans Excluding Purchased Credit Impaired Loans | The following table presents the average recorded investment and interest income recognized on impaired loans, excluding PCI loans, for the periods indicated:
|  | Three Months Ended September 30, |  |  | Nine Months Ended September 30, |
|  | 2016 |  |  | 2015 |  |  | 2016 |  |  | 2015 |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |  |  | Average |  |  | Interest |  |  | Average |  |  | Interest |
|  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
(Amounts in thousands) |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
Impaired loans with no related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family residential |  | $ | 298 |  |  | $ | 15 |  |  | $ | — |  |  | $ | — |  |  | $ | 99 |  |  | $ | 15 |  |  | $ | — |  |  | $ | — |
Single family non-owner occupied |  |  | 460 |  |  |  | 7 |  |  |  | 792 |  |  |  | 27 |  |  |  | 565 |  |  |  | 22 |  |  |  | 571 |  |  |  | 28 |
Non-farm, non-residential |  |  | 5,404 |  |  |  | 60 |  |  |  | 8,878 |  |  |  | 72 |  |  |  | 6,051 |  |  |  | 181 |  |  |  | 8,834 |  |  |  | 295 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 1,159 |  |  |  | 13 |  |  |  | 1,353 |  |  |  | — |  |  |  | 829 |  |  |  | 13 |  |  |  | 2,578 |  |  |  | 100 |
Owner occupied construction |  |  | 344 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 229 |  |  |  | — |  |  |  | 117 |  |  |  | — |
Total impaired loans with no allowance |  |  | 7,665 |  |  |  | 95 |  |  |  | 11,023 |  |  |  | 99 |  |  |  | 7,773 |  |  |  | 231 |  |  |  | 12,100 |  |  |  | 423 |
Impaired loans with a related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family non-owner occupied |  |  | 682 |  |  |  | 5 |  |  |  | 629 |  |  |  | — |  |  |  | 572 |  |  |  | 18 |  |  |  | 558 |  |  |  | 22 |
Non-farm, non-residential |  |  | 4,658 |  |  |  | 45 |  |  |  | 5,417 |  |  |  | 15 |  |  |  | 5,108 |  |  |  | 215 |  |  |  | 4,740 |  |  |  | 51 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 4,130 |  |  |  | 24 |  |  |  | 4,847 |  |  |  | 13 |  |  |  | 4,547 |  |  |  | 91 |  |  |  | 3,325 |  |  |  | 26 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 357 |  |  |  | 1 |  |  |  | 115 |  |  |  | — |  |  |  | 119 |  |  |  | 1 |
Total impaired loans with an allowance |  |  | 9,470 |  |  |  | 74 |  |  |  | 11,250 |  |  |  | 29 |  |  |  | 10,342 |  |  |  | 324 |  |  |  | 8,742 |  |  |  | 100 |
Total impaired loans |  | $ | 17,135 |  |  | $ | 169 |  |  | $ | 22,273 |  |  | $ | 128 |  |  | $ | 18,115 |  |  | $ | 555 |  |  | $ | 20,842 |  |  | $ | 523 |
Information on Impaired PCI Loan Pools | The following tables present information on impaired PCI loan pools as of the dates, and for the periods, indicated:
(Amounts in thousands, except impaired pools) |  | September 30, 2016 |  |  | December 31, 2015 |
Unpaid principal balance |  | $ | 1,104 |  |  | $ | 3,759 |
Recorded investment |  |  | 1,104 |  |  |  | 2,834 |
Allowance for loan losses related to PCI loan pools |  |  | 12 |  |  |  | 54 |
Impaired PCI loan pools |  |  | 1 |  |  |  | 2 |
|  | Three Months Ended September 30, |  |  | Nine Months Ended September 30, |
(Amounts in thousands) |  | 2016 |  |  | 2015 |  |  | 2016 |  |  | 2015 |
Interest income recognized |  | $ | 12 |  |  | $ | 96 |  |  | $ | 130 |  |  | $ | 273 |
Average recorded investment |  |  | 1,139 |  |  |  | 3,045 |  |  |  | 2,195 |  |  |  | 3,464 |
Nonaccrual Loans by Loan Class | The following table presents nonaccrual loans, by loan class, as of the dates indicated:
|  | September 30, 2016 |  |  | December 31, 2015 |
(Amounts in thousands) |  | Non-covered |  |  | Covered |  |  | Total |  |  | Non-covered |  |  | Covered |  |  | Total |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 70 |  |  | $ | 39 |  |  | $ | 109 |  |  | $ | 39 |  |  | $ | 54 |  |  | $ | 93 |
Commercial and industrial |  |  | 405 |  |  |  | 14 |  |  |  | 419 |  |  |  | — |  |  |  | 16 |  |  |  | 16 |
Multi-family residential |  |  | 306 |  |  |  | — |  |  |  | 306 |  |  |  | 84 |  |  |  | — |  |  |  | 84 |
Single family non-owner occupied |  |  | 1,158 |  |  |  | 25 |  |  |  | 1,183 |  |  |  | 1,850 |  |  |  | 29 |  |  |  | 1,879 |
Non-farm, non-residential |  |  | 7,075 |  |  |  | 34 |  |  |  | 7,109 |  |  |  | 7,150 |  |  |  | 39 |  |  |  | 7,189 |
Farmland |  |  | 135 |  |  |  | — |  |  |  | 135 |  |  |  | 234 |  |  |  | — |  |  |  | 234 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 527 |  |  |  | 440 |  |  |  | 967 |  |  |  | 825 |  |  |  | 413 |  |  |  | 1,238 |
Single family owner occupied |  |  | 7,403 |  |  |  | 136 |  |  |  | 7,539 |  |  |  | 7,245 |  |  |  | 96 |  |  |  | 7,341 |
Owner occupied construction |  |  | 342 |  |  |  | — |  |  |  | 342 |  |  |  | 349 |  |  |  | — |  |  |  | 349 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 66 |  |  |  | — |  |  |  | 66 |  |  |  | 71 |  |  |  | — |  |  |  | 71 |
Total nonaccrual loans |  | $ | 17,487 |  |  | $ | 688 |  |  | $ | 18,175 |  |  | $ | 17,847 |  |  | $ | 647 |  |  | $ | 18,494 |
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. Loans acquired with credit deterioration, with a discount, continue to accrue interest based on expected cash flows; therefore, PCI loans are not generally considered nonaccrual. Non-covered accruing loans contractually past due 90 days or more totaled $62 thousand as of September 30, 2016. No non-covered accruing loans were contractually past due 90 days or more as of December 31, 2015.
|  | September 30, 2016 |
|  | 30 - 59 Days |  |  | 60 - 89 Days |  |  | 90+ Days |  |  | Total |  |  | Current |  |  | Total |
(Amounts in thousands) |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Loans |  |  | Loans |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 5 |  |  | $ | 64 |  |  | $ | 53 |  |  | $ | 122 |  |  | $ | 49,677 |  |  | $ | 49,799 |
Commercial and industrial |  |  | 121 |  |  |  | 31 |  |  |  | 171 |  |  |  | 323 |  |  |  | 90,039 |  |  |  | 90,362 |
Multi-family residential |  |  | 283 |  |  |  | 71 |  |  |  | 306 |  |  |  | 660 |  |  |  | 126,808 |  |  |  | 127,468 |
Single family non-owner occupied |  |  | 110 |  |  |  | 305 |  |  |  | 780 |  |  |  | 1,195 |  |  |  | 142,828 |  |  |  | 144,023 |
Non-farm, non-residential |  |  | 4,726 |  |  |  | 277 |  |  |  | 2,451 |  |  |  | 7,454 |  |  |  | 588,561 |  |  |  | 596,015 |
Agricultural |  |  | 255 |  |  |  | — |  |  |  | — |  |  |  | 255 |  |  |  | 5,531 |  |  |  | 5,786 |
Farmland |  |  | 72 |  |  |  | 576 |  |  |  | — |  |  |  | 648 |  |  |  | 31,326 |  |  |  | 31,974 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 377 |  |  |  | 169 |  |  |  | 394 |  |  |  | 940 |  |  |  | 107,168 |  |  |  | 108,108 |
Single family owner occupied |  |  | 4,123 |  |  |  | 1,875 |  |  |  | 2,950 |  |  |  | 8,948 |  |  |  | 488,747 |  |  |  | 497,695 |
Owner occupied construction |  |  | 251 |  |  |  | — |  |  |  | 342 |  |  |  | 593 |  |  |  | 43,332 |  |  |  | 43,925 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 576 |  |  |  | 114 |  |  |  | 32 |  |  |  | 722 |  |  |  | 75,641 |  |  |  | 76,363 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,029 |  |  |  | 3,029 |
Total non-covered loans |  |  | 10,899 |  |  |  | 3,482 |  |  |  | 7,479 |  |  |  | 21,860 |  |  |  | 1,752,687 |  |  |  | 1,774,547 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 105 |  |  |  | — |  |  |  | 39 |  |  |  | 144 |  |  |  | 4,555 |  |  |  | 4,699 |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 941 |  |  |  | 941 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 43 |  |  |  | 43 |
Single family non-owner occupied |  |  | 25 |  |  |  | — |  |  |  | — |  |  |  | 25 |  |  |  | 1,303 |  |  |  | 1,328 |
Non-farm, non-residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8,312 |  |  |  | 8,312 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 26 |  |  |  | 26 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 412 |  |  |  | 412 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 333 |  |  |  | 43 |  |  |  | 24 |  |  |  | 400 |  |  |  | 38,337 |  |  |  | 38,737 |
Single family owner occupied |  |  | 232 |  |  |  | 26 |  |  |  | 92 |  |  |  | 350 |  |  |  | 6,708 |  |  |  | 7,058 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 201 |  |  |  | 201 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 80 |  |  |  | 80 |
Total covered loans |  |  | 695 |  |  |  | 69 |  |  |  | 155 |  |  |  | 919 |  |  |  | 60,918 |  |  |  | 61,837 |
Total loans |  | $ | 11,594 |  |  | $ | 3,551 |  |  | $ | 7,634 |  |  | $ | 22,779 |  |  | $ | 1,813,605 |  |  | $ | 1,836,384 |
|  | December 31, 2015 |
|  | 30 - 59 Days |  |  | 60 - 89 Days |  |  | 90+ Days |  |  | Total |  |  | Current |  |  | Total |
(Amounts in thousands) |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Loans |  |  | 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 |
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:
|  | September 30, 2016 |  |  | December 31, 2015 |
(Amounts in thousands) |  | Nonaccrual(1) |  |  | Accrual |  |  | Total |  |  | Nonaccrual(1) |  |  | Accrual |  |  | Total |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family non-owner occupied |  | $ | 39 |  |  | $ | 898 |  |  | $ | 937 |  |  | $ | 130 |  |  | $ | 820 |  |  | $ | 950 |
Non-farm, non-residential |  |  | — |  |  |  | 4,205 |  |  |  | 4,205 |  |  |  | — |  |  |  | 4,600 |  |  |  | 4,600 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | — |  |  |  | 162 |  |  |  | 162 |  |  |  | 127 |  |  |  | 43 |  |  |  | 170 |
Single family owner occupied |  |  | 929 |  |  |  | 7,947 |  |  |  | 8,876 |  |  |  | 733 |  |  |  | 8,256 |  |  |  | 8,989 |
Owner occupied construction |  |  | 343 |  |  |  | 239 |  |  |  | 582 |  |  |  | 349 |  |  |  | 243 |  |  |  | 592 |
Total TDRs |  | $ | 1,311 |  |  | $ | 13,451 |  |  | $ | 14,762 |  |  | $ | 1,339 |  |  | $ | 13,962 |  |  | $ | 15,301 |
Allowance for loan losses related to TDRs |  |  |  |  |  |  |  |  |  | $ | 552 |  |  |  |  |  |  |  |  |  |  | $ | 590 |
(1) | Nonaccrual TDRs are included in total nonaccrual loans disclosed in the nonaccrual table above.
Interest Income related to TDRs | The following table presents interest income recognized on TDRs for the periods indicated:
|  | Three Months Ended September 30, |  |  | Nine Months Ended September 30, |
(Amounts in thousands) |  | 2016 |  |  | 2015 |  |  | 2016 |  |  | 2015 |
Interest income recognized |  | $ | 143 |  |  | $ | 148 |  |  | $ | 296 |  |  | $ | 456 |
Loans Modified as Troubled Debt Restructurings by Type of Concession Made and Loan Class | The following tables present 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 September 30, |
|  | 2016 |  |  | 2015 |
(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 and extended payment term Single family owner occupied |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 4 |  |  | $ | 307 |  |  | $ | 307 |
Total |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 4 |  |  | $ | 307 |  |  | $ | 307 |
|  | Nine Months Ended September 30, |
|  | 2016 |  |  | 2015 |
(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 and extended payment term Single family owner occupied |  |  | 1 |  |  | $ | 115 |  |  | $ | 115 |  |  |  | 5 |  |  | $ | 342 |  |  | $ | 342 |
Total |  |  | 1 |  |  | $ | 115 |  |  | $ | 115 |  |  |  | 5 |  |  | $ | 342 |  |  | $ | 342 |
Loans Modified as Troubled Debt Restructurings by Loan Class for which there was Payment Default | The following table presents loans modified as TDRs, by loan class, that were restructured within the previous 12 months for which there was a payment default during the periods indicated:
|  | Three Months Ended September 30, |
|  | 2016 |  |  | 2015 |
(Amounts in thousands) |  | Total Contracts |  |  | Post-modification Recorded Investment |  |  | Total Contracts |  |  | Post-modification Recorded Investment |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family non-owner occupied |  |  | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 78 |
Total |  |  | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 78 |
|  | Nine Months Ended September 30, |
|  | 2016 |  |  | 2015 |
(Amounts in thousands) |  | Total Contracts |  |  | Post-modification Recorded Investment |  |  | Total Contracts |  |  | Post-modification Recorded Investment |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family non-owner occupied |  |  | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 78 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 353 |
Total |  |  | — |  |  | $ | — |  |  |  | 2 |  |  | $ | 431 |
The following table presents information for other real estate owned (“OREO”), which consists of properties acquired through foreclosure, as of the dates indicated:
Summary of Information for Other Real Estate Owned | The following table presents information for other real estate owned (“OREO”), which consists of properties acquired through foreclosure, as of the dates indicated:
(Amounts in thousands) |  | September 30, 2016 |  |  | December 31, 2015 |
Non-covered OREO |  | $ | 4,052 |  |  | $ | 4,873 |
Covered OREO |  |  | 2,437 |  |  |  | 4,034 |
Total OREO |  | $ | 6,489 |  |  | $ | 8,907 |
Non-covered OREO secured by residential real estate |  | $ | 1,688 |  |  | $ | 2,677 |
Residential real estate loans in the foreclosure process(1) |  |  | 3,639 |  |  |  | 2,727 |
(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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- 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=66008989&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=66008989&loc=SL6953682-111524 + Details
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