Loans and Allowance for Loan Losses - Additional Information (Detail) (USD $)
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12 Months Ended | 12 Months Ended | 12 Months Ended | 12 Months Ended | |||||||||||||||
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Dec. 31, 2012
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Dec. 31, 2011
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Dec. 31, 2010
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Dec. 31, 2012
Refund Anticipation Loans
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Dec. 31, 2011
Refund Anticipation Loans
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Dec. 31, 2012
Troubled Debt Restructuring
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Dec. 31, 2011
Troubled Debt Restructuring
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Dec. 31, 2012
Subprime Lending
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Dec. 31, 2011
Subprime Lending
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Dec. 31, 2011
Unallocated Financing Receivables
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Dec. 31, 2012
Commercial and Commercial Real Estate Loans
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Dec. 31, 2012
Commercial and Commercial Real Estate Loans
Minimum
Business Line 1
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Dec. 31, 2012
"Special Mention/Watch", "Substandard", "Doubtful" or "Loss"
Minimum
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Dec. 31, 2012
Pass
Minimum
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Dec. 31, 2012
Tennessee Commerce Bank ("TCB")
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Jan. 27, 2012
Tennessee Commerce Bank ("TCB")
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Dec. 31, 2012
First Commercial Bank("FCB")
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Sep. 07, 2012
First Commercial Bank("FCB")
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Dec. 31, 2012
TCB and FCB acquisitions
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Financing Receivable, Allowance for Credit Losses [Line Items] | |||||||||||||||||||
Contractual amount of loan | $ 180,833,000 | $ 41,677,000 | $ 79,000,000 | $ 139,156,000 | $ 172,000,000 | ||||||||||||||
Carrying value of the loans purchased | 31,000,000 | 57,000,000 | 108,000,000 | 128,000,000 | |||||||||||||||
Loan acquired | 13,000,000 | ||||||||||||||||||
Aggregate credit exposure validated by senior loan committee | 2,000,000 | ||||||||||||||||||
Credit quality description | The SAC reviews all commercial and commercial real estate past due, classified, and impaired loans in excess of $100,000 and discusses the relative trends and current status of these assets. In addition,the SAC reviews all retail residential real estate loans exceeding $750,000 and all home equity loans exceeding $100,000 that are 80-days or more past due or that are on non-accrual status. SAC also reviews the actions taken by management regarding foreclosure mitigation, loan extensions, troubled debt restructures and collateral repossessions. Based on the information reviewed in this meeting, the SAC approves all specific loan loss allocations to be recognized by the Bank within its Allowance for Loan Loss analysis. | For new and renewed commercial, commercial real estate and real estate construction, the Bank's Credit Administration Department ("CAD") assigns the credit quality grade to the loan. Loan grades for new commercial, commercial real estate and real estate construction loans with an aggregate credit exposure of $2.0 million or greater are validated by the Senior Loan Committee ("SLC"). | |||||||||||||||||
Impaired loans | 100,000 | 15,000,000 | 6,000,000 | ||||||||||||||||
Residential real estate loans | 750,000 | ||||||||||||||||||
Home equity loans | 100,000 | ||||||||||||||||||
Number of days for home equity loans due | 80 days | ||||||||||||||||||
Aggregate lending relationship outstanding amount | 1,000,000 | 4,000,000 | |||||||||||||||||
Allowance for loan losses | 23,729,000 | 24,063,000 | 2,000,000 | ||||||||||||||||
Loan totaled | 66,000,000 | 93,000,000 | |||||||||||||||||
Loan outstanding | 19,000,000 | 22,000,000 | |||||||||||||||||
Impaired loans | 105,707,000 | 77,193,000 | 51,292,000 | 18,000,000 | |||||||||||||||
Allocated specific reserve to customers whose loan terms modified in TDRs | 7,000,000 | 5,000,000 | 18,000,000 | ||||||||||||||||
Percentage of trouble debt restructuring occurred during period and performing according to modified terms | 91.00% | 89.00% | |||||||||||||||||
Amount of specific reserves to customers whose loan terms were modified in trouble debt restructurings | 5,000,000 | ||||||||||||||||||
RAL's total uncollected | $ 20,844,000 | $ 24,433,000 | $ 10,500,000 | $ 14,300,000 | $ 5,967,000 | ||||||||||||||
RAL's gross total | 1.31% | 1.38% |