Loans and Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2012

Receivables [Abstract]

Schedule of loans outstanding by category

	September 30, 2012					December 31, 2011					September 30, 2011
	Amount		Percent			Amount		Percent			Amount		Percent
	(Dollars in thousands)
Commercial and industrial	$	541,130		17.37	%	$	547,942		18.19	%	$	542,189		18.17	%
Oil & gas production & equipment		131,642		4.22			115,786		3.84			109,272		3.66
Agriculture		83,146		2.67			86,297		2.86			73,021		2.45
State and political subdivisions:
Taxable		7,786		0.25			6,939		0.23			7,079		0.24
Tax-exempt		13,749		0.44			17,070		0.57			12,192		0.41
Real estate:
Construction		211,505		6.79			207,953		6.90			258,182		8.65
Farmland		114,043		3.66			103,923		3.45			97,041		3.25
One to four family residences		674,457		21.64			655,134		21.74			655,007		21.95
Multifamily residential properties		50,659		1.63			37,734		1.25			37,173		1.24
Commercial		1,026,097		32.93			960,074		31.86			908,207		30.43
Consumer		241,864		7.76			252,331		8.37			260,718		8.74
Other (not classified above)		20,018		0.64			22,315		0.74			24,033		0.81
Total loans	$	3,116,096		100.00	%	$	3,013,498		100.00	%	$	2,984,114		100.00	%
Loans held for sale (included above).	$	15,479				$	12,126				$	13,066

Summary of nonperforming and restructured assets

	September 30, 2012			December 31, 2011			September 30, 2011
	(Dollars in thousands)
Past due 90 days or more and still accruing	$	731		$	798		$	1,413
Nonaccrual		22,101			21,187			24,088
Other acquired loans covered by escrow		—			—			4,951
Restructured		17,784			1,041			1,059
Total nonperforming and restructured loans		40,616			23,026			31,511
Other real estate owned and repossessed assets		9,796			16,640			16,723
Total nonperforming and restructured assets	$	50,412		$	39,666		$	48,234
Nonperforming and restructured loans to total loans		1.30	%		0.76	%		1.06	%
Nonperforming and restructured assets to total assets		0.86	%		0.71	%		0.88	%

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

	September 30, 2012
	(Dollars in thousands)
Non-residential real estate	$	9,324
Residential real estate		4,179
Non-consumer non-real estate		2,527
Consumer non-real estate		138
Other loans		2,221
Acquired loans		3,712
Total	$	22,101

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 September 30, 2012
Non-residential real estate	$	1,561	$	2,425	$	3,986	$	1,145,584	$	1,149,570	$	349
Residential real estate		3,693		1,170		4,863		732,935		737,798		98
Non-consumer non-real estate		4,233		135		4,368		729,538		733,906		7
Consumer non-real estate		2,050		230		2,280		205,463		207,743		170
Other loans		1,706		1,447		3,153		147,329		150,482		43
Acquired loans		1,219		1,061		2,280		134,317		136,597		64
Total	$	14,462	$	6,468	$	20,930	$	3,095,166	$	3,116,096	$	731
As of September 30, 2011
Non-residential real estate	$	2,269	$	542	$	2,811	$	1,026,738	$	1,029,549	$	1
Residential real estate		4,462		1,723		6,185		689,731		695,916		225
Non-consumer non-real estate		2,077		374		2,451		690,059		692,510		149
Consumer non-real estate		2,594		354		2,948		198,684		201,632		310
Other loans		2,749		3,492		6,241		152,302		158,543		108
Acquired loans		1,108		1,913		3,021		202,943		205,964		620
Total	$	15,259	$	8,398	$	23,657	$	2,960,457	$	2,984,114	$	1,413

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 September 30, 2012
Non-residential real estate	$	27,593	$	26,434	$	1,813	$	26,733
Residential real estate		5,664		5,136		1,374		5,333
Non-consumer non-real estate		3,144		2,539		677		1,745
Consumer non-real estate		447		424		77		364
Other loans		2,420		2,265		264		1,975
Acquired loans		12,872		10,684		71		11,451
Total	$	52,140	$	47,482	$	4,276	$	47,601
As of September 30, 2011
Non-residential real estate	$	9,285	$	8 ,671	$	978	$	9,835
Residential real estate		6,520		5,871		1,520		6,351
Non-consumer non-real estate		1,584		1,286		358		1,676
Consumer non-real estate		215		180		47		204
Other loans		3,888		3,794		342		4,296
Acquired loans		5,609		4,286		100		2,229
Total	$	27,101	$	24,088	$	3,345	$	24,591

Internal loan grading by class of loans

	Internal Loan Grading
	Grade
	1		2		3		4		5		Total
	(Dollars in thousands)
As of September 30, 2012
Non-residential real estate	$	984,606	$	127,768	$	27,523	$	9,673	$	—	$	1,149,570
Residential real estate		636,564		81,970		14,667		4,597		—		737,798
Non-consumer non-real estate		644,066		80,863		6,500		2,477		—		733,906
Consumer non-real estate		195,242		10,185		1,965		349		2		207,743
Other loans		146,037		2,726		887		832		—		150,482
Acquired loans		103,411		24,243		5,006		3,898		39		136,597
Total	$	2,709,926	$	327,755	$	56,548	$	21,826	$	41	$	3,116,096
As of September 30, 2011
Non-residential real estate	$	881,622	$	107,228	$	32,223	$	8,476	$	—	$	1,029,549
Residential real estate		602,621		72,095		14,805		6,395		—		695,916
Non-consumer non-real estate		620,123		63,375		7,881		1,131		—		692,510
Consumer non-real estate		189,895		8,950		2,380		407		—		201,632
Other loans		151,336		2,608		1,874		2,725		—		158,543
Acquired loans		151,103		35,609		8,264		10,891		97		205,964
Total	$	2,596,700	$	289,865	$	67,427	$	30,025	$	97	$	2,984,114

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 September 30, 2012
Allowance for credit losses:
Balance at June 30, 2012	$	14,349		$	10,006		$	8,558		$	2,282		$	1,854		$	387		$	37,436
Charge-offs		(30	)		(157	)		(119	)		(117	)		(24	)		(53	)		(500	)
Recoveries		17			9			19			42			2			—			89
Net charge-offs		(13	)		(148	)		(100	)		(75	)		(22	)		(53	)		(411	)
Provisions charged to operations		(453	)		(137	)		712			162			6			(57	)		233
Balance at September 30, 2012	$	13,883		$	9,721		$	9,170		$	2,369		$	1,838		$	277		$	37,258
Nine Months Ended September 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		(158	)		(288	)		(449	)		(308	)		(231	)		(129	)		(1,563	)
Recoveries		48			118			144			157			33			11			511
Net charge-offs		(110	)		(170	)		(305	)		(151	)		(198	)		(118	)		(1,052	)
Provisions charged to operations		45			127			319			205			150			(192	)		654
Balance at September 30, 2012	$	13,883		$	9,721		$	9,170		$	2,369		$	1,838		$	277		$	37,258
Allowance for credit losses-ending balances:
Individually evaluated for impairment	$	2,396		$	2,305		$	1,692		$	315		$	220		$	—		$	6,928
Collectively evaluated for impairment		11,487			7,416			7,478			2,054			1,618			277			30,330
Balance at September 30, 2012	$	13,883		$	9,721		$	9,170		$	2,369		$	1,838		$	277		$	37,258
Loans-ending balances:
Individually evaluated for impairment	$	37,195		$	19,264		$	8,976		$	2,316		$	264		$	—		$	68,015
Collectively evaluated for impairment		1,112,375			718,534			724,930			205,427			150,218			127,654			3,039,138
Loans acquired with deteriorated credit quality		—			—			—			—			—			8,943			8,943
Balance at September 30, 2012	$	1,149,570		$	737,798		$	733,906		$	207,743		$	150,482		$	136,597		$	3,116,096

	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 September 30, 2011
Allowance for credit losses:
Balance at June 30, 2011	$	13,651		$	9,380		$	9,334		$	2,237		$	1,712		$	778		$	37,092
Charge-offs		(67	)		(21	)		(210	)		(72	)		(121	)		(138	)		(629	)
Recoveries		7			20			46			24			2			9			108
Net charge-offs		(60	)		(1	)		(164	)		(48	)		(119	)		(129	)		(521	)
Provisions charged to operations		290			472			(460	)		136			156			291			885
Balance at September 30, 2011	$	13,881		$	9,851		$	8,710		$	2,325		$	1,749		$	940		$	37,456
Nine Months Ended September 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		(336	)		(522	)		(394	)		(400	)		(243	)		(469	)		(2,364	)
Recoveries		23			115			130			92			9			20			389
Net charge-offs		(313	)		(407	)		(264	)		(308	)		(234	)		(449	)		(1,975	)
Provisions charged to operations		1,052			1,301			(613	)		332			225			1,389			3,686
Balance at September 30, 2011	$	13,881		$	9,851		$	8,710		$	2,325		$	1,749		$	940		$	37,456
Allowance for credit losses-ending balances:
Individually evaluated for impairment	$	3,351		$	2,681		$	1,528		$	318		$	232		$	—		$	8,110
Collectively evaluated for impairment		10,530			7,170			7,182			2,007			1,517			940			29,346
Balance at September 30, 2011	$	13,881		$	9,851		$	8,710		$	2,325		$	1,749		$	940		$	37,456
Loans-ending balances:
Individually evaluated for impairment	$	40,700		$	21,200		$	9,012		$	2,787		$	257		$	—		$	73,956
Collectively evaluated for impairment		988,849			674,716			683,498			198,845			158,286			186,712			2,890,906
Loans acquired with deteriorated credit quality		—			—			—			—			—			19,252			19,252
Balance at September 30, 2011	$	1,029,549		$	695,916		$	692,510		$	201,632		$	158,543		$	205,964		$	2,984,114

Transfers from loans to other real estate owned and repossessed assets

	Nine Months Ended September 30,
	2012		2011
	(Dollars in thousands)
Other real estate owned	$	1,633	$	3,831
Repossessed assets		664		1,096
Total	$	2,297	$	4,927