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Credit Quality (Tables) | 12 Months Ended
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Dec. 31, 2016
Loans Held for Investment by Internal Credit Risk Grade | The following tables present the recorded investment of the loan portfolio, by loan 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.
|  | December 31, 2016 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |  |  |  |
(Amounts in thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Loss |  |  | Total |
Non-covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 55,188 |  |  | $ | 980 |  |  | $ | 780 |  |  | $ | — |  |  | $ | — |  |  | $ | 56,948 |
Commercial and industrial |  |  | 87,581 |  |  |  | 3,483 |  |  |  | 1,137 |  |  |  | — |  |  |  | 3 |  |  |  | 92,204 |
Multi-family residential |  |  | 126,468 |  |  |  | 6,992 |  |  |  | 768 |  |  |  | — |  |  |  | — |  |  |  | 134,228 |
Single family non-owner occupied |  |  | 131,934 |  |  |  | 5,466 |  |  |  | 5,565 |  |  |  | — |  |  |  | — |  |  |  | 142,965 |
Non-farm, non-residential |  |  | 579,134 |  |  |  | 10,236 |  |  |  | 9,102 |  |  |  | 202 |  |  |  | — |  |  |  | 598,674 |
Agricultural |  |  | 5,839 |  |  |  | 164 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,003 |
Farmland |  |  | 28,887 |  |  |  | 1,223 |  |  |  | 1,619 |  |  |  | — |  |  |  | — |  |  |  | 31,729 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 104,033 |  |  |  | 871 |  |  |  | 1,457 |  |  |  | — |  |  |  | — |  |  |  | 106,361 |
Single family owner occupied |  |  | 475,402 |  |  |  | 4,636 |  |  |  | 20,381 |  |  |  | 472 |  |  |  | — |  |  |  | 500,891 |
Owner occupied construction |  |  | 43,833 |  |  |  | — |  |  |  | 702 |  |  |  | — |  |  |  | — |  |  |  | 44,535 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 77,218 |  |  |  | 11 |  |  |  | 216 |  |  |  | — |  |  |  | — |  |  |  | 77,445 |
Other |  |  | 3,971 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,971 |
Total non-covered loans |  |  | 1,719,488 |  |  |  | 34,062 |  |  |  | 41,727 |  |  |  | 674 |  |  |  | 3 |  |  |  | 1,795,954 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 2,768 |  |  |  | 803 |  |  |  | 999 |  |  |  | — |  |  |  | — |  |  |  | 4,570 |
Commercial and industrial |  |  | 882 |  |  |  | — |  |  |  | 13 |  |  |  | — |  |  |  | — |  |  |  | 895 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | 8 |  |  |  | — |  |  |  | — |  |  |  | 8 |
Single family non-owner occupied |  |  | 796 |  |  |  | 63 |  |  |  | 103 |  |  |  | — |  |  |  | — |  |  |  | 962 |
Non-farm, non-residential |  |  | 6,423 |  |  |  | 537 |  |  |  | 552 |  |  |  | — |  |  |  | — |  |  |  | 7,512 |
Agricultural |  |  | 25 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 25 |
Farmland |  |  | 132 |  |  |  | — |  |  |  | 265 |  |  |  | — |  |  |  | — |  |  |  | 397 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 14,283 |  |  |  | 20,763 |  |  |  | 771 |  |  |  | — |  |  |  | — |  |  |  | 35,817 |
Single family owner occupied |  |  | 4,601 |  |  |  | 928 |  |  |  | 1,200 |  |  |  | — |  |  |  | — |  |  |  | 6,729 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 79 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 79 |
Total covered loans |  |  | 29,989 |  |  |  | 23,094 |  |  |  | 3,911 |  |  |  | — |  |  |  | — |  |  |  | 56,994 |
Total loans |  | $ | 1,749,477 |  |  | $ | 57,156 |  |  | $ | 45,638 |  |  | $ | 674 |  |  | $ | 3 |  |  | $ | 1,852,948 |
|  | 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 dates indicated:
|  | December 31, 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 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 33 |  |  | $ | 35 |  |  | $ | — |  |  | $ | 57 |  |  | $ | 57 |  |  | $ | — |
Commercial and industrial |  |  | 346 |  |  |  | 383 |  |  |  | — |  |  |  | 16 |  |  |  | 23 |  |  |  | — |
Multi-family residential |  |  | 294 |  |  |  | 369 |  |  |  | — |  |  |  | 84 |  |  |  | 94 |  |  |  | — |
Single family non-owner occupied |  |  | 3,084 |  |  |  | 3,334 |  |  |  | — |  |  |  | 2,095 |  |  |  | 2,239 |  |  |  | — |
Non-farm, non-residential |  |  | 3,829 |  |  |  | 4,534 |  |  |  | — |  |  |  | 10,369 |  |  |  | 11,055 |  |  |  | — |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Farmland |  |  | 1,161 |  |  |  | 1,188 |  |  |  | — |  |  |  | 310 |  |  |  | 326 |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 913 |  |  |  | 968 |  |  |  | — |  |  |  | 868 |  |  |  | 898 |  |  |  | — |
Single family owner occupied |  |  | 11,779 |  |  |  | 12,630 |  |  |  | — |  |  |  | 11,289 |  |  |  | 11,996 |  |  |  | — |
Owner occupied construction |  |  | 573 |  |  |  | 589 |  |  |  | — |  |  |  | 243 |  |  |  | 243 |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 62 |  |  |  | 103 |  |  |  | — |  |  |  | 71 |  |  |  | 74 |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total impaired loans with no allowance |  |  | 22,074 |  |  |  | 24,133 |  |  |  | — |  |  |  | 25,402 |  |  |  | 27,005 |  |  |  | — |
Impaired loans with a related allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family non-owner occupied |  |  | 351 |  |  |  | 351 |  |  |  | 31 |  |  |  | 619 |  |  |  | 623 |  |  |  | 124 |
Non-farm, non-residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,667 |  |  |  | 5,673 |  |  |  | 1,568 |
Farmland |  |  | 430 |  |  |  | 430 |  |  |  | 18 |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family owner occupied |  |  | 4,118 |  |  |  | 4,174 |  |  |  | 770 |  |  |  | 4,899 |  |  |  | 4,907 |  |  |  | 672 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 349 |  |  |  | 355 |  |  |  | 7 |
Total impaired loans with an allowance |  |  | 4,899 |  |  |  | 4,955 |  |  |  | 819 |  |  |  | 11,534 |  |  |  | 11,558 |  |  |  | 2,371 |
Total impaired loans(1) |  | $ | 26,973 |  |  | $ | 29,088 |  |  | $ | 819 |  |  | $ | 36,936 |  |  | $ | 38,563 |  |  | $ | 2,371 |
(1) | Includes loans totaling $16.89 million as of December 31, 2016, and $14.22 million as of December 31, 2015, that do not meet the Company’s evaluation threshold for individual impairment and are therefore collectively evaluated for impairment
Average 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:
|  | Year Ended December 31, |
|  | 2016 |  |  | 2015 |  |  | 2014 |
(Amounts in thousands) |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |
Impaired loans with no related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 22 |  |  | $ | 344 |  |  | $ | 5 |  |  | $ | 481 |  |  | $ | 8 |  |  | $ | 607 |
Commercial and industrial |  |  | 16 |  |  |  | 646 |  |  |  | — |  |  |  | 324 |  |  |  | 18 |  |  |  | 1,627 |
Multi-family residential |  |  | 21 |  |  |  | 308 |  |  |  | 4 |  |  |  | 269 |  |  |  | 21 |  |  |  | 162 |
Single family non-owner occupied |  |  | 178 |  |  |  | 3,076 |  |  |  | 88 |  |  |  | 2,140 |  |  |  | 60 |  |  |  | 1,629 |
Non-farm, non-residential |  |  | 307 |  |  |  | 8,573 |  |  |  | 312 |  |  |  | 11,677 |  |  |  | 353 |  |  |  | 8,248 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |
Farmland |  |  | 55 |  |  |  | 437 |  |  |  | 16 |  |  |  | 195 |  |  |  | 6 |  |  |  | 315 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 30 |  |  |  | 1,223 |  |  |  | 36 |  |  |  | 813 |  |  |  | 22 |  |  |  | 686 |
Single family owner occupied |  |  | 343 |  |  |  | 12,330 |  |  |  | 356 |  |  |  | 12,708 |  |  |  | 404 |  |  |  | 11,486 |
Owner occupied construction |  |  | 9 |  |  |  | 497 |  |  |  | 10 |  |  |  | 359 |  |  |  | 5 |  |  |  | 259 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 5 |  |  |  | 60 |  |  |  | 8 |  |  |  | 98 |  |  |  | 5 |  |  |  | 108 |
Total impaired loans with no related allowance |  |  | 986 |  |  |  | 27,494 |  |  |  | 835 |  |  |  | 29,064 |  |  |  | 902 |  |  |  | 25,128 |
Impaired loans with a related allowance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 47 |  |  |  | 2,199 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 23 |  |  |  | 4,190 |
Single family non-owner occupied |  |  | 23 |  |  |  | 518 |  |  |  | 25 |  |  |  | 575 |  |  |  | 2 |  |  |  | 369 |
Non-farm, non-residential |  |  | 215 |  |  |  | 3,831 |  |  |  | 65 |  |  |  | 4,987 |  |  |  | 31 |  |  |  | 3,386 |
Farmland |  |  | 14 |  |  |  | 108 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | 57 |
Single family owner occupied |  |  | 118 |  |  |  | 4,452 |  |  |  | 26 |  |  |  | 3,731 |  |  |  | 48 |  |  |  | 3,897 |
Owner occupied construction |  |  | — |  |  |  | 87 |  |  |  | 1 |  |  |  | 178 |  |  |  | — |  |  |  | — |
Total impaired loans with a related allowance |  |  | 370 |  |  |  | 8,996 |  |  |  | 117 |  |  |  | 9,471 |  |  |  | 152 |  |  |  | 14,098 |
Total impaired loans |  | $ | 1,356 |  |  | $ | 36,490 |  |  | $ | 952 |  |  | $ | 38,535 |  |  | $ | 1,054 |  |  | $ | 39,226 |
Information on Impaired PCI Loan Pools | The following tables provide information on impaired PCI loan pools as of and for the dates indicated:
|  | December 31, |
(Amounts in thousands, except impaired loan pools) |  | 2016 |  |  | 2015 |
Unpaid principal balance |  | $ | 1,086 |  |  | $ | 3,759 |
Recorded investment |  |  | 1,085 |  |  |  | 2,834 |
Allowance for loan losses related to PCI loan pools |  |  | 12 |  |  |  | 54 |
Impaired PCI loan pools |  |  | 1 |  |  |  | 2 |
|  | Year Ended December 31, |
(Amounts in thousands) |  | 2016 |  |  | 2015 |  |  | 2014 |
Interest income recognized |  | $ | 142 |  |  | $ | 364 |  |  | $ | 3,081 |
Average recorded investment |  |  | 1,929 |  |  |  | 3,309 |  |  |  | 30,007 |
Nonaccrual Loans by Loan Class | The following table presents nonaccrual loans, by loan class, as of the dates indicated:
|  | December 31, |
|  | 2016 |  |  | 2015 |
(Amounts in thousands) |  | Non-covered |  |  | Covered |  |  | Total |  |  | Non-covered |  |  | Covered |  |  | Total |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | 72 |  |  | $ | 32 |  |  | $ | 104 |  |  | $ | 39 |  |  | $ | 54 |  |  | $ | 93 |
Commercial and industrial |  |  | 332 |  |  |  | 13 |  |  |  | 345 |  |  |  | — |  |  |  | 16 |  |  |  | 16 |
Multi-family residential |  |  | 294 |  |  |  | — |  |  |  | 294 |  |  |  | 84 |  |  |  | — |  |  |  | 84 |
Single family non-owner occupied |  |  | 1,242 |  |  |  | 24 |  |  |  | 1,266 |  |  |  | 1,850 |  |  |  | 29 |  |  |  | 1,879 |
Non-farm, non-residential |  |  | 3,295 |  |  |  | 30 |  |  |  | 3,325 |  |  |  | 7,150 |  |  |  | 39 |  |  |  | 7,189 |
Farmland |  |  | 1,591 |  |  |  | — |  |  |  | 1,591 |  |  |  | 234 |  |  |  | — |  |  |  | 234 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 705 |  |  |  | 400 |  |  |  | 1,105 |  |  |  | 825 |  |  |  | 413 |  |  |  | 1,238 |
Single family owner occupied |  |  | 7,924 |  |  |  | 109 |  |  |  | 8,033 |  |  |  | 7,245 |  |  |  | 96 |  |  |  | 7,341 |
Owner occupied construction |  |  | 336 |  |  |  | — |  |  |  | 336 |  |  |  | 349 |  |  |  | — |  |  |  | 349 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 63 |  |  |  | — |  |  |  | 63 |  |  |  | 71 |  |  |  | — |  |  |  | 71 |
Total nonaccrual loans |  | $ | 15,854 |  |  | $ | 608 |  |  | $ | 16,462 |  |  | $ | 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. There were no non-covered accruing loans contractually past due 90 days or more as of December 31, 2016, or December 31, 2015.
|  | December 31, 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 |  | $ | 33 |  |  | $ | 5 |  |  | $ | 17 |  |  | $ | 55 |  |  | $ | 56,893 |  |  | $ | 56,948 |
Commercial and industrial |  |  | 174 |  |  |  | 30 |  |  |  | 149 |  |  |  | 353 |  |  |  | 91,851 |  |  |  | 92,204 |
Multi-family residential |  |  | 163 |  |  |  | — |  |  |  | 281 |  |  |  | 444 |  |  |  | 133,784 |  |  |  | 134,228 |
Single family non-owner occupied |  |  | 1,302 |  |  |  | 159 |  |  |  | 835 |  |  |  | 2,296 |  |  |  | 140,669 |  |  |  | 142,965 |
Non-farm, non-residential |  |  | 1,235 |  |  |  | 332 |  |  |  | 2,169 |  |  |  | 3,736 |  |  |  | 594,938 |  |  |  | 598,674 |
Agricultural |  |  | — |  |  |  | 5 |  |  |  | — |  |  |  | 5 |  |  |  | 5,998 |  |  |  | 6,003 |
Farmland |  |  | 224 |  |  |  | 343 |  |  |  | 565 |  |  |  | 1,132 |  |  |  | 30,597 |  |  |  | 31,729 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 78 |  |  |  | 136 |  |  |  | 658 |  |  |  | 872 |  |  |  | 105,489 |  |  |  | 106,361 |
Single family owner occupied |  |  | 4,777 |  |  |  | 2,408 |  |  |  | 3,311 |  |  |  | 10,496 |  |  |  | 490,395 |  |  |  | 500,891 |
Owner occupied construction |  |  | 342 |  |  |  | 336 |  |  |  | — |  |  |  | 678 |  |  |  | 43,857 |  |  |  | 44,535 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | 371 |  |  |  | 90 |  |  |  | 15 |  |  |  | 476 |  |  |  | 76,969 |  |  |  | 77,445 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 3,971 |  |  |  | 3,971 |
Total non-covered loans |  |  | 8,699 |  |  |  | 3,844 |  |  |  | 8,000 |  |  |  | 20,543 |  |  |  | 1,775,411 |  |  |  | 1,795,954 |
Covered loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  |  | 434 |  |  |  | — |  |  |  | 32 |  |  |  | 466 |  |  |  | 4,104 |  |  |  | 4,570 |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 895 |  |  |  | 895 |
Multi-family residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 8 |  |  |  | 8 |
Single family non-owner occupied |  |  | 24 |  |  |  | — |  |  |  | — |  |  |  | 24 |  |  |  | 938 |  |  |  | 962 |
Non-farm, non-residential |  |  | 32 |  |  |  | — |  |  |  | — |  |  |  | 32 |  |  |  | 7,480 |  |  |  | 7,512 |
Agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 25 |  |  |  | 25 |
Farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 397 |  |  |  | 397 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | 108 |  |  |  | 146 |  |  |  | 62 |  |  |  | 316 |  |  |  | 35,501 |  |  |  | 35,817 |
Single family owner occupied |  |  | 58 |  |  |  | — |  |  |  | 39 |  |  |  | 97 |  |  |  | 6,632 |  |  |  | 6,729 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 79 |  |  |  | 79 |
Total covered loans |  |  | 656 |  |  |  | 146 |  |  |  | 133 |  |  |  | 935 |  |  |  | 56,059 |  |  |  | 56,994 |
Total loans |  | $ | 9,355 |  |  | $ | 3,990 |  |  | $ | 8,133 |  |  | $ | 21,478 |  |  | $ | 1,831,470 |  |  | $ | 1,852,948 |
|  | December 31, 2015 |
|  | 30 - 59 Days Past Due |  |  | 60 - 89 Days Past Due |  |  | 90+ Days Past Due |  |  | Total Past Due |  |  | Current Loans |  |  | Total Loans |
(Amounts in thousands) |  |  |  |  |  |
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 and accrual status, as of the dates indicated:
|  | December 31, |
|  | 2016 |  |  | 2015 |
(Amounts in thousands) |  | Nonaccrual (1) |  |  | Accruing |  |  | Total |  |  | Nonaccrual (1) |  |  | Accruing |  |  | Total |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single family non-owner occupied |  | $ | 38 |  |  | $ | 892 |  |  | $ | 930 |  |  | $ | 130 |  |  | $ | 820 |  |  | $ | 950 |
Non-farm, non-residential |  |  | — |  |  |  | 4,160 |  |  |  | 4,160 |  |  |  | — |  |  |  | 4,600 |  |  |  | 4,600 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | — |  |  |  | 158 |  |  |  | 158 |  |  |  | 127 |  |  |  | 43 |  |  |  | 170 |
Single family owner occupied |  |  | 905 |  |  |  | 7,503 |  |  |  | 8,408 |  |  |  | 733 |  |  |  | 8,256 |  |  |  | 8,989 |
Owner occupied construction |  |  | 341 |  |  |  | 239 |  |  |  | 580 |  |  |  | 349 |  |  |  | 243 |  |  |  | 592 |
Total TDRs |  | $ | 1,284 |  |  | $ | 12,952 |  |  | $ | 14,236 |  |  | $ | 1,339 |  |  | $ | 13,962 |  |  | $ | 15,301 |
Allowance for loan losses related to TDRs |  |  |  |  |  |  |  |  |  | $ | 670 |  |  |  |  |  |  |  |  |  |  | $ | 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:
|  | Year Ended December 31, |
(Amounts in thousands) |  | 2016 |  |  | 2015 |  |  | 2014 |
Interest income recognized |  | $ | 424 |  |  | $ | 608 |  |  | $ | 597 |
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 following modification.
|  | Year Ended December 31, |
|  | 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 |
Summary of Information for Other Real Estate Owned | The following table provides information about OREO, which consists of properties acquired through foreclosure, as of the dates indicated:
|  | December 31, |
(Amounts in thousands) |  | 2016 |  |  | 2015 |
Non-covered OREO |  | $ | 5,109 |  |  | $ | 4,873 |
Covered OREO |  |  | 276 |  |  |  | 4,034 |
Total OREO |  | $ | 5,385 |  |  | $ | 8,907 |
Non-covered OREO secured by residential real estate |  | $ | 1,746 |  |  | $ | 2,677 |
Residential real estate loans in the foreclosure process (1) |  |  | 2,539 |  |  |  | 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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