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Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2016
Receivables [Abstract] |
Summary of loans | The following is a summary of non purchased loans and leases at December 31:
| 2016 |  | 2015
Commercial, financial, agricultural | $ | 589,290 |  |  | $ | 485,407 |
Lease financing | 49,250 |  |  | 35,978 |
Real estate – construction | 483,926 |  |  | 291,701 |
Real estate – 1-4 family mortgage | 1,425,730 |  |  | 1,204,228 |
Real estate – commercial mortgage | 2,075,137 |  |  | 1,729,049 |
Installment loans to individuals | 92,648 |  |  | 85,234 |
Gross loans | 4,715,981 |  |  | 3,831,597 |
Unearned income | (2,409 | ) |  | (1,163 | )
Loans, net of unearned income | 4,713,572 |  |  | 3,830,434 |
The following is a summary of purchased loans at December 31:
| 2016 |  | 2015
Commercial, financial, agricultural | $ | 128,200 |  |  | $ | 151,430 |
Lease financing | — |  |  | — |
Real estate – construction | 68,753 |  |  | 65,964 |
Real estate – 1-4 family mortgage | 452,447 |  |  | 531,095 |
Real estate – commercial mortgage | 823,758 |  |  | 804,680 |
Installment loans to individuals | 15,979 |  |  | 29,859 |
Gross loans | 1,489,137 |  |  | 1,583,028 |
Unearned income | — |  |  | — |
Loans, net of unearned income | 1,489,137 |  |  | 1,583,028 |
The following is a summary of non purchased and purchased loans and leases at December 31:
| 2016 |  | 2015
Commercial, financial, agricultural | $ | 717,490 |  |  | $ | 636,837 |
Lease financing | 49,250 |  |  | 35,978 |
Real estate – construction | 552,679 |  |  | 357,665 |
Real estate – 1-4 family mortgage | 1,878,177 |  |  | 1,735,323 |
Real estate – commercial mortgage | 2,898,895 |  |  | 2,533,729 |
Installment loans to individuals | 108,627 |  |  | 115,093 |
Gross loans | 6,205,118 |  |  | 5,414,625 |
Unearned income | (2,409 | ) |  | (1,163 | )
Loans, net of unearned income | 6,202,709 |  |  | 5,413,462 |
Allowance for loan losses | (42,737 | ) |  | (42,437 | )
Net loans | $ | 6,159,972 |  |  | $ | 5,371,025 |
Rollforward of the allowance for loan losses | The following table provides a rollforward of the allowance for loan losses and a breakdown of the ending balance of the allowance based on the Company’s impairment methodology for the periods presented:
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
Year Ended December 31, 2016 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,186 |  |  | $ | 1,852 |  |  | $ | 13,908 |  |  | $ | 21,111 |  |  | $ | 1,380 |  |  | $ | 42,437 |
Charge-offs | (2,725 | ) |  | — |  |  | (3,906 | ) |  | (2,123 | ) |  | (717 | ) |  | (9,471 | )
Recoveries | 331 |  |  | 47 |  |  | 997 |  |  | 757 |  |  | 109 |  |  | 2,241 |
Net charge-offs | (2,394 | ) |  | 47 |  |  | (2,909 | ) |  | (1,366 | ) |  | (608 | ) |  | (7,230 | )
Provision for loan losses | 3,716 |  |  | 364 |  |  | 2,616 |  |  | (879 | ) |  | 787 |  |  | 6,604 |
Benefit attributable to FDIC loss share agreements | (61 | ) |  | — |  |  | (115 | ) |  | (48 | ) |  | (41 | ) |  | (265 | )
Recoveries payable to FDIC | 39 |  |  | 117 |  |  | 794 |  |  | 241 |  |  | — |  |  | 1,191 |
Provision for loan losses charged to operations | 3,694 |  |  | 481 |  |  | 3,295 |  |  | (686 | ) |  | 746 |  |  | 7,530 |
Ending balance | $ | 5,486 |  |  | $ | 2,380 |  |  | $ | 14,294 |  |  | $ | 19,059 |  |  | $ | 1,518 |  |  | $ | 42,737 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 446 |  |  | $ | 1 |  |  | $ | 1,134 |  |  | $ | 2,445 |  |  | $ | 115 |  |  | $ | 4,141 |
Collectively evaluated for impairment | 4,668 |  |  | 2,379 |  |  | 12,319 |  |  | 15,008 |  |  | 1,402 |  |  | 35,776 |
Acquired with deteriorated credit quality | 372 |  |  | — |  |  | 841 |  |  | 1,606 |  |  | 1 |  |  | 2,820 |
Ending balance | $ | 5,486 |  |  | $ | 2,380 |  |  | $ | 14,294 |  |  | $ | 19,059 |  |  | $ | 1,518 |  |  | $ | 42,737 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
Year Ended December 31, 2015 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 3,305 |  |  | $ | 1,415 |  |  | $ | 13,549 |  |  | $ | 22,759 |  |  | $ | 1,261 |  |  | $ | 42,289 |
Charge-offs | (943 | ) |  | (26 | ) |  | (2,173 | ) |  | (2,613 | ) |  | (1,021 | ) |  | (6,776 | )
Recoveries | 361 |  |  | 26 |  |  | 1,064 |  |  | 614 |  |  | 109 |  |  | 2,174 |
Net charge-offs | (582 | ) |  | — |  |  | (1,109 | ) |  | (1,999 | ) |  | (912 | ) |  | (4,602 | )
Provision for loan losses | 1,489 |  |  | 435 |  |  | 650 |  |  | 312 |  |  | 1,027 |  |  | 3,913 |
Benefit attributable to FDIC loss share agreements | (64 | ) |  | — |  |  | (91 | ) |  | (717 | ) |  | — |  |  | (872 | )
Recoveries payable to FDIC | 38 |  |  | 2 |  |  | 909 |  |  | 756 |  |  | 4 |  |  | 1,709 |
Provision for loan losses charged to operations | 1,463 |  |  | 437 |  |  | 1,468 |  |  | 351 |  |  | 1,031 |  |  | 4,750 |
Ending balance | $ | 4,186 |  |  | $ | 1,852 |  |  | $ | 13,908 |  |  | $ | 21,111 |  |  | $ | 1,380 |  |  | $ | 42,437 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 6 |  |  | $ | 20 |  |  | $ | 4,475 |  |  | $ | 3,099 |  |  | $ | — |  |  | $ | 7,600 |
Collectively evaluated for impairment | 3,827 |  |  | 1,832 |  |  | 9,177 |  |  | 16,916 |  |  | 1,379 |  |  | 33,131 |
Acquired with deteriorated credit quality | 353 |  |  | — |  |  | 256 |  |  | 1,096 |  |  | 1 |  |  | 1,706 |
Ending balance | $ | 4,186 |  |  | $ | 1,852 |  |  | $ | 13,908 |  |  | $ | 21,111 |  |  | $ | 1,380 |  |  | $ | 42,437 |
Year Ended December 31, 2014 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 3,090 |  |  | $ | 1,091 |  |  | $ | 18,629 |  |  | $ | 23,688 |  |  | $ | 1,167 |  |  | $ | 47,665 |
Charge-offs | (1,516 | ) |  | — |  |  | (5,662 | ) |  | (6,186 | ) |  | (495 | ) |  | (13,859 | )
Recoveries | 455 |  |  | 33 |  |  | 1,325 |  |  | 436 |  |  | 67 |  |  | 2,316 |
Net charge-offs | (1,061 | ) |  | 33 |  |  | (4,337 | ) |  | (5,750 | ) |  | (428 | ) |  | (11,543 | )
Provision for loan losses | 1,297 |  |  | 290 |  |  | (452 | ) |  | 9,260 |  |  | 522 |  |  | 10,917 |
Benefit attributable to FDIC loss share agreements | (204 | ) |  | — |  |  | (816 | ) |  | (5,258 | ) |  | — |  |  | (6,278 | )
Recoveries payable to FDIC | 183 |  |  | 1 |  |  | 525 |  |  | 819 |  |  | — |  |  | 1,528 |
Provision for loan losses charged to operations | $ | 1,276 |  |  | $ | 291 |  |  | $ | (743 | ) |  | $ | 4,821 |  |  | $ | 522 |  |  | $ | 6,167 |
Ending balance | $ | 3,305 |  |  | $ | 1,415 |  |  | $ | 13,549 |  |  | $ | 22,759 |  |  | $ | 1,261 |  |  | $ | 42,289 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 5 |  |  | $ | — |  |  | $ | 4,786 |  |  | $ | 5,465 |  |  | $ | — |  |  | $ | 10,256 |
Collectively evaluated for impairment | 3,020 |  |  | 1,415 |  |  | 8,483 |  |  | 16,130 |  |  | 1,260 |  |  | 30,308 |
Acquired with deteriorated credit quality | 280 |  |  | — |  |  | 280 |  |  | 1,164 |  |  | 1 |  |  | 1,725 |
Ending balance | $ | 3,305 |  |  | $ | 1,415 |  |  | $ | 13,549 |  |  | $ | 22,759 |  |  | $ | 1,261 |  |  | $ | 42,289 |
(1) | Includes lease financing receivables.
Investment in loans, net of unearned income on impairment methodology | The following table provides the recorded investment in loans, net of unearned income, based on the Company’s impairment methodology as of the dates presented:
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 487 |  |  | $ | 145 |  |  | $ | 1,496 |  |  | $ | 2,275 |  |  | $ | 135 |  |  | $ | 4,538 |
Collectively evaluated for impairment | 115,719 |  |  | 67,768 |  |  | 378,999 |  |  | 636,496 |  |  | 13,859 |  |  | 1,212,841 |
Acquired with deteriorated credit quality | 11,994 |  |  | 840 |  |  | 71,952 |  |  | 184,987 |  |  | 1,985 |  |  | 271,758 |
Ending balance | $ | 128,200 |  |  | $ | 68,753 |  |  | $ | 452,447 |  |  | $ | 823,758 |  |  | $ | 15,979 |  |  | $ | 1,489,137 |
December 31, 2015 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 14 |  |  | $ | 2,698 |  |  | $ | 655 |  |  | $ | 1,193 |  |  | $ | 23 |  |  | $ | 4,583 |
Collectively evaluated for impairment | 134,927 |  |  | 60,517 |  |  | 438,791 |  |  | 580,877 |  |  | 27,168 |  |  | 1,242,280 |
Acquired with deteriorated credit quality | 16,489 |  |  | 2,749 |  |  | 91,649 |  |  | 222,610 |  |  | 2,668 |  |  | 336,165 |
Ending balance | $ | 151,430 |  |  | $ | 65,964 |  |  | $ | 531,095 |  |  | $ | 804,680 |  |  | $ | 29,859 |  |  | $ | 1,583,028 |
(1) | Includes lease financing receivables.
The following table provides the recorded investment in loans, net of unearned income, based on the Company’s impairment methodology as of the dates presented:
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 1,886 |  |  | $ | 662 |  |  | $ | 12,088 |  |  | $ | 13,079 |  |  | $ | 277 |  |  | $ | 27,992 |
Collectively evaluated for impairment | 703,610 |  |  | 551,177 |  |  | 1,794,137 |  |  | 2,700,829 |  |  | 153,206 |  |  | 5,902,959 |
Acquired with deteriorated credit quality | 11,994 |  |  | 840 |  |  | 71,952 |  |  | 184,987 |  |  | 1,985 |  |  | 271,758 |
Ending balance | $ | 717,490 |  |  | $ | 552,679 |  |  | $ | 1,878,177 |  |  | $ | 2,898,895 |  |  | $ | 155,468 |  |  | $ | 6,202,709 |
December 31, 2015 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 370 |  |  | $ | 2,698 |  |  | $ | 16,650 |  |  | $ | 16,819 |  |  | $ | 90 |  |  | $ | 36,627 |
Collectively evaluated for impairment | 619,978 |  |  | 352,218 |  |  | 1,627,024 |  |  | 2,294,300 |  |  | 147,150 |  |  | 5,040,670 |
Acquired with deteriorated credit quality | 16,489 |  |  | 2,749 |  |  | 91,649 |  |  | 222,610 |  |  | 2,668 |  |  | 336,165 |
Ending balance | $ | 636,837 |  |  | $ | 357,665 |  |  | $ | 1,735,323 |  |  | $ | 2,533,729 |  |  | $ | 149,908 |  |  | $ | 5,413,462 |
(1) | Includes lease financing receivables.

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