Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2012

Receivables [Abstract]

Schedule of loans outstanding by category

	June 30, 2012					December 31, 2011					June 30, 2011
	Amount		Percent			Amount		Percent			Amount		Percent
	(Dollars in thousands)
Commercial and industrial	$	515,456		16.82	%	$	547,942		18.19	%	$	551,293		19.26	%
Oil & gas production & equipment		125,228		4.08			115,786		3.84			113,868		3.98
Agriculture		77,882		2.54			86,297		2.86			74,221		2.59
State and political subdivisions:
Taxable		6,520		0.21			6,939		0.23			7,281		0.25
Tax-exempt		13,853		0.45			17,070		0.57			11,920		0.42
Real estate:
Construction		197,168		6.43			207,953		6.90			236,660		8.27
Farmland		111,472		3.64			103,923		3.45			86,285		3.02
One to four family residences		674,577		22.01			655,134		21.74			618,428		21.61
Multifamily residential properties		46,866		1.53			37,734		1.25			34,040		1.19
Commercial		1,036,322		33.81			960,074		31.86			846,684		29.59
Consumer		239,156		7.80			252,331		8.37			255,975		8.94
Other (not classified above)		20,939		0.68			22,315		0.74			25,189		0.88
Total loans	$	3,065,439		100.00	%	$	3,013,498		100.00	%	$	2,861,844		100.00	%
Loans held for sale (included above)	$	16,612				$	12,126				$	11,258

Summary of nonperforming and restructured assets

	June 30,			December 31,			June 30,
	2012			2011			2011
	(Dollars in thousands)
Past due 90 days or more and still accruing	$	1,403		$	798		$	1,166
Nonaccrual		20,702			21,187			22,469
Restructured		18,089			1,041			344
Total nonperforming and restructured loans		40,194			23,026			23,979
Other real estate owned and repossessed assets		10,223			16,640			15,501
Total nonperforming and restructured assets	$	50,417		$	39,666		$	39,480
Nonperforming and restructured loans to total loans		1.31	%		0.76	%		0.84	%
Nonperforming and restructured assets to total assets		0.89	%		0.71	%		0.75	%

Summary of amounts included in nonaccrual loans segregated by class of loans

	June 30, 2012		June 30, 2011
	(Dollars in thousands)
Non-residential real estate	$	9,711	$	9,235
Residential real estate		4,098		5,860
Non-consumer non-real estate		1,142		1,547
Consumer non-real estate		140		178
Other loans		1,918		4,285
Acquired loans		3,693		1,364
Total	$	20,702	$	22,469

Age analysis of past due loans segregated by class of loans

	Age Analysis of Past Due Receivables
	30-89 Days Past Due		90 Days and Greater		Total Past Due Loans		Current Loans		Total Loans		Accruing Loans 90 Days or More Past Due
	(Dollars in thousands)
As of June 30, 2012
Non-residential real estate	$	2,649	$	2,454	$	5,103	$	1,135,948	$	1,141,051	$	285
Residential real estate		4,240		1,288		5,528		715,621		721,149		478
Non-consumer non-real estate		1,285		244		1,529		695,887		697,416		16
Consumer non-real estate		2,002		183		2,185		198,242		200,427		122
Other loans		1,213		1,654		2,867		153,117		155,984		102
Acquired loans		3,134		1,352		4,486		144,926		149,412		400
Total	$	14,523	$	7,175	$	21,698	$	3,043,741	$	3,065,439	$	1,403
As of June 30, 2011
Non-residential real estate	$	1,720	$	573	$	2,293	$	978,409	$	980,702	$	1
Residential real estate		2,617		2,208		4,825		684,344		689,169		927
Non-consumer non-real estate		1,474		324		1,798		710,640		712,438		6
Consumer non-real estate		1,822		173		1,995		196,583		198,578		116
Other loans		3,489		3,766		7,255		152,982		160,237		89
Acquired loans		908		920		1,828		118,892		120,720		27
Total	$	12,030	$	7,964	$	19,994	$	2,841,850	$	2,861,844	$	1,166

Impaired loans, segregated by class of loans

	Impaired Loans
	Unpaid Principal Balance		Recorded Investment with Allowance		Related Allowance		Average Recorded Investment
	(Dollars in thousands)
As of June 30, 2012
Non-residential real estate	$	28,184	$	27,165	$	2,122	$	27,397
Residential real estate		5,839		5,384		1,468		5,547
Non-consumer non-real estate		1,792		1,163		302		1,512
Consumer non-real estate		349		325		59		389
Other loans		2,255		2,020		212		2,158
Acquired loans		13,648		11,522		291		13,263
Total	$	52,067	$	47,579	$	4,454	$	50,266
As of June 30, 2011
Non-residential real estate	$	9,723	$	9,235	$	978	$	10,223
Residential real estate		6,466		5,860		1,520		6,511
Non-consumer non-real estate		1,873		1,547		358		1,806
Consumer non-real estate		211		178		47		212
Other loans		4,418		4,285		193		4,312
Acquired loans		1,529		1,364		92		1,339
Total	$	24,220	$	22,469	$	3,188	$	24,403

Internal loan grading by class of loans

	Internal Loan Grading
	Grade
	1		2		3		4		5		Total
	(Dollars in thousands)
As of June 30, 2012
Non-residential real estate	$	983,946	$	118,825	$	28,514	$	9,766	$	—	$	1,141,051
Residential real estate		619,115		81,324		15,920		4,790		—		721,149
Non-consumer non-real estate		610,214		78,825		7,211		1,166		—		697,416
Consumer non-real estate		187,768		10,204		2,122		333		—		200,427
Other loans		151,330		2,917		1,027		710		—		155,984
Acquired loans		110,506		27,002		7,898		4,006		—		149,412
Total	$	2,662,879	$	319,097	$	62,692	$	20,771	$	—	$	3,065,439
As of June 30, 2011
Non-residential real estate	$	834,857	$	103,359	$	33,446	$	9,040	$	—	$	980,702
Residential real estate		601,469		68,651		12,970		6,079		—		689,169
Non-consumer non-real estate		638,872		61,481		10,710		1,375		—		712,438
Consumer non-real estate		189,220		6,891		2,172		295		—		198,578
Other loans		153,104		2,463		2,050		2,620		—		160,237
Acquired loans		84,482		26,475		8,398		1,267		98		120,720
Total	$	2,502,004	$	269,320	$	69,746	$	20,676	$	98	$	2,861,844

Activity in ALLL by class of loans

ALLL
	Non-Residential Real Estate			Residential Real Estate			Non- Consumer Non-Real Estate			Consumer Non-Real Estate			Other Loans			Acquired Loans			Total
	(Dollars in thousands)
Three Months Ended June 30, 2012
Allowance for credit losses:
Balance at March 31, 2012	$	14,109		$	9,762		$	9,198		$	2,283		$	1,850		$	431		$	37,633
Charge-offs		(7	)		(95	)		(313	)		(77	)		(27	)		(12	)		(531	)
Recoveries		(6	)		13			26			32			12			9			86
Net charge-offs		(13	)		(82	)		(287	)		(45	)		(15	)		(3	)		(445	)
Provisions charged to operations		253			326			(353	)		44			19			(41	)		248
Balance at June 30, 2012	$	14,349		$	10,006		$	8,558		$	2,282		$	1,854		$	387		$	37,436
Six Months Ended June 30, 2012
Allowance for credit losses:
Balance at December 31, 2011	$	13,948		$	9,764		$	9,156		$	2,315		$	1,886		$	587		$	37,656
Charge-offs		(128	)		(131	)		(330	)		(191	)		(207	)		(76	)		(1,063	)
Recoveries		31			109			124			116			31			11			422
Net charge-offs		(97	)		(22	)		(206	)		(75	)		(176	)		(65	)		(641	)
Provisions charged to operations		498			264			(392	)		42			144			(135	)		421
Balance at June 30, 2012	$	14,349		$	10,006		$	8,558		$	2,282		$	1,854		$	387		$	37,436
Ending balances:
Individually evaluated for impairment	$	2,986		$	2,760		$	1,436		$	302		$	196		$	—		$	7,680
Collectively evaluated for impairment		11,363			7,246			7,122			1,980			1,658			387			29,756
Balance at June 30, 2012	$	14,349		$	10,006		$	8,558		$	2,282		$	1,854		$	387		$	37,436
Loans-Ending balances:
Individually evaluated for impairment	$	38,278		$	20,710		$	8,377		$	2,455		$	109		$	—		$	69,929
Collectively evaluated for impairment		1,102,773			700,439			689,039			197,972			155,875			137,508			2,983,606
Loans acquired with deteriorated credit quality		—			—			—			—			—			11,904			11,904
Balance at June 30, 2012	$	1,141,051		$	721,149		$	697,416		$	200,427		$	155,984		$	149,412		$	3,065,439

ALLL
	Non-Residential Real Estate			Residential Real Estate			Non- Consumer Non-Real Estate			Consumer Non-Real Estate			Other Loans			Acquired Loans			Total
	(Dollars in thousands)
Three Months Ended June 30, 2011
Allowance for credit losses:
Balance at March 31, 2011	$	12,979		$	9,612		$	9,165		$	2,258		$	1,699		$	423		$	36,136
Charge-offs		(136	)		(312	)		(179	)		(223	)		(22	)		(302	)		(1,174	)
Recoveries		7			39			29			36			5			1			117
Net charge-offs		(129	)		(273	)		(150	)		(187	)		(17	)		(301	)		(1,057	)
Provisions charged to operations		801			41			319			166			30			656			2,013
Balance at June 30, 2011	$	13,651		$	9,380		$	9,334		$	2,237		$	1,712		$	778		$	37,092
Six Months Ended June 30, 2011
Allowance for credit losses:
Balance at December 31, 2010	$	13,142		$	8,957		$	9,587		$	2,301		$	1 ,758		$	—		$	35,745
Charge-offs		(269	)		(501	)		(184	)		(328	)		(122	)		(331	)		(1,735	)
Recoveries		16			95			84			68			7			11			281
Net charge-offs		(253	)		(406	)		(100	)		(260	)		(115	)		(320	)		(1,454	)
Provisions charged to operations		762			829			(153	)		196			69			1,098			2,801
Balance at June 30, 2011	$	13,651		$	9,380		$	9,334		$	2,237		$	1,712		$	778		$	37,092
Ending balances:
Individually evaluated for impairment	$	3,694		$	2,314		$	2,021		$	297		$	285		$	—		$	8,611
Collectively evaluated for impairment		9,957			7,066			7,313			1,940			1,427			778			28,481
Balance at June 30, 2011	$	13,651		$	9,380		$	9,334		$	2,237		$	1,712		$	778		$	37,092
Loans-Ending balances:
Individually evaluated for impairment	$	42,486		$	19,049		$	12,085		$	2,467		$	413		$	—		$	76,500
Collectively evaluated for impairment		938,216			670,120			700,353			196,111			159,824			110,957			2,775,581
Loans acquired with deteriorated credit quality		—			—			—			—			—			9,763			9,763
Balance at June 30, 2011	$	980,702		$	689,169		$	712,438		$	198,578		$	160,237		$	120,720		$	2,861,844

Transfers from loans to other real estate owned and repossessed assets

	Six Months Ended June 30,
	2012		2011
	(Dollars in thousands)
Other real estate owned	$	1,284	$	3,145
Repossessed assets		295		913
Total	$	1,579	$	4,058