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Non Purchased Loans (Tables) | 3 Months Ended
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Mar. 31, 2017
Receivables [Abstract] |
Summary of loans | The following is a summary of non purchased loans and leases as of the dates presented:
| March 31, 2017 |  | December 31, 2016
Commercial, financial, agricultural | $ | 626,237 |  |  | $ | 589,290 |
Lease financing | 50,462 |  |  | 49,250 |
Real estate – construction | 378,061 |  |  | 483,926 |
Real estate – 1-4 family mortgage | 1,485,663 |  |  | 1,425,730 |
Real estate – commercial mortgage | 2,203,639 |  |  | 2,075,137 |
Installment loans to individuals | 92,669 |  |  | 92,648 |
Gross loans | 4,836,731 |  |  | 4,715,981 |
Unearned income | (2,646 | ) |  | (2,409 | )
Loans, net of unearned income | 4,834,085 |  |  | 4,713,572 |
The following is a summary of purchased loans as of the dates presented:
| March 31, 2017 |  | December 31, 2016
Commercial, financial, agricultural | $ | 115,229 |  |  | $ | 128,200 |
Lease financing | — |  |  | — |
Real estate – construction | 35,673 |  |  | 68,753 |
Real estate – 1-4 family mortgage | 431,904 |  |  | 452,447 |
Real estate – commercial mortgage | 804,790 |  |  | 823,758 |
Installment loans to individuals | 14,124 |  |  | 15,979 |
Gross loans | 1,401,720 |  |  | 1,489,137 |
Unearned income | — |  |  | — |
Loans, net of unearned income | 1,401,720 |  |  | 1,489,137 |
The following is a summary of non purchased and purchased loans as of the dates presented:
| March 31, 2017 |  | December 31, 2016
Commercial, financial, agricultural | $ | 741,466 |  |  | $ | 717,490 |
Lease financing | 50,462 |  |  | 49,250 |
Real estate – construction | 413,734 |  |  | 552,679 |
Real estate – 1-4 family mortgage | 1,917,567 |  |  | 1,878,177 |
Real estate – commercial mortgage | 3,008,429 |  |  | 2,898,895 |
Installment loans to individuals | 106,793 |  |  | 108,627 |
Gross loans | 6,238,451 |  |  | 6,205,118 |
Unearned income | (2,646 | ) |  | (2,409 | )
Loans, net of unearned income | 6,235,805 |  |  | 6,202,709 |
Allowance for loan losses | (42,923 | ) |  | (42,737 | )
Net loans | $ | 6,192,882 |  |  | $ | 6,159,972 |
Past due and nonaccrual loans | The following table provides an aging of past due and nonaccrual loans, segregated by class, as of the dates presented:
| Accruing Loans |  | Nonaccruing Loans |  |
| 30-89 Days Past Due |  | 90 Days or More Past Due |  | Current Loans |  | Total Loans |  | 30-89 Days Past Due |  | 90 Days or More Past Due |  | Current Loans |  | Total Loans |  | Total Loans
March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 300 |  |  | $ | 59 |  |  | $ | 623,693 |  |  | $ | 624,052 |  |  | $ | 467 |  |  | $ | 1,407 |  |  | $ | 311 |  |  | $ | 2,185 |  |  | $ | 626,237 |
Lease financing | 181 |  |  | — |  |  | 50,281 |  |  | 50,462 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 50,462 |
Real estate – construction | 231 |  |  | — |  |  | 377,830 |  |  | 378,061 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 378,061 |
Real estate – 1-4 family mortgage | 4,234 |  |  | 718 |  |  | 1,476,098 |  |  | 1,481,050 |  |  | 88 |  |  | 1,848 |  |  | 2,677 |  |  | 4,613 |  |  | 1,485,663 |
Real estate – commercial mortgage | 2,435 |  |  | 1,315 |  |  | 2,194,109 |  |  | 2,197,859 |  |  | — |  |  | 1,892 |  |  | 3,888 |  |  | 5,780 |  |  | 2,203,639 |
Installment loans to individuals | 346 |  |  | 82 |  |  | 92,189 |  |  | 92,617 |  |  |  |  |  | 52 |  |  | — |  |  | 52 |  |  | 92,669 |
Unearned income |  |  |  |  |  |  | (2,646 | ) |  | (2,646 | ) |  |  |  |  |  |  |  |  |  |  | — |  |  | (2,646 | )
Total | $ | 7,727 |  |  | $ | 2,174 |  |  | $ | 4,811,554 |  |  | $ | 4,821,455 |  |  | $ | 555 |  |  | $ | 5,199 |  |  | $ | 6,876 |  |  | $ | 12,630 |  |  | $ | 4,834,085 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 811 |  |  | $ | 720 |  |  | $ | 586,730 |  |  | $ | 588,261 |  |  | $ | — |  |  | $ | 932 |  |  | $ | 97 |  |  | $ | 1,029 |  |  | $ | 589,290 |
Lease financing | 193 |  |  | — |  |  | 48,919 |  |  | 49,112 |  |  | — |  |  | 138 |  |  | — |  |  | 138 |  |  | 49,250 |
Real estate – construction | 995 |  |  | — |  |  | 482,931 |  |  | 483,926 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 483,926 |
Real estate – 1-4 family mortgage | 6,189 |  |  | 1,136 |  |  | 1,414,254 |  |  | 1,421,579 |  |  | 161 |  |  | 1,222 |  |  | 2,768 |  |  | 4,151 |  |  | 1,425,730 |
Real estate – commercial mortgage | 2,283 |  |  | 99 |  |  | 2,066,821 |  |  | 2,069,203 |  |  | 580 |  |  | 2,778 |  |  | 2,576 |  |  | 5,934 |  |  | 2,075,137 |
Installment loans to individuals | 324 |  |  | 124 |  |  | 92,179 |  |  | 92,627 |  |  | — |  |  | 21 |  |  | — |  |  | 21 |  |  | 92,648 |
Unearned income | — |  |  | — |  |  | (2,409 | ) |  | (2,409 | ) |  | — |  |  | — |  |  | — |  |  | — |  |  | (2,409 | )
Total | $ | 10,795 |  |  | $ | 2,079 |  |  | $ | 4,689,425 |  |  | $ | 4,702,299 |  |  | $ | 741 |  |  | $ | 5,091 |  |  | $ | 5,441 |  |  | $ | 11,273 |  |  | $ | 4,713,572 |
The following table provides an aging of past due and nonaccrual loans, segregated by class, as of the dates presented:
| Accruing Loans |  | Nonaccruing Loans |  |
| 30-89 Days Past Due |  | 90 Days or More Past Due |  | Current Loans |  | Total Loans |  | 30-89 Days Past Due |  | 90 Days or More Past Due |  | Current Loans |  | Total Loans |  | Total Loans
March 31, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 524 |  |  | $ | 868 |  |  | $ | 113,142 |  |  | $ | 114,534 |  |  | $ | 2 |  |  | $ | 185 |  |  | $ | 508 |  |  | $ | 695 |  |  | $ | 115,229 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 159 |  |  | — |  |  | 35,514 |  |  | 35,673 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 35,673 |
Real estate – 1-4 family mortgage | 4,407 |  |  | 4,110 |  |  | 419,028 |  |  | 427,545 |  |  | 319 |  |  | 2,414 |  |  | 1,626 |  |  | 4,359 |  |  | 431,904 |
Real estate – commercial mortgage | 970 |  |  | 6,840 |  |  | 793,710 |  |  | 801,520 |  |  | 136 |  |  | 289 |  |  | 2,845 |  |  | 3,270 |  |  | 804,790 |
Installment loans to individuals | 168 |  |  | 79 |  |  | 13,706 |  |  | 13,953 |  |  | — |  |  | 4 |  |  | 167 |  |  | 171 |  |  | 14,124 |
Unearned income | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 6,228 |  |  | $ | 11,897 |  |  | $ | 1,375,100 |  |  | $ | 1,393,225 |  |  | $ | 457 |  |  | $ | 2,892 |  |  | $ | 5,146 |  |  | $ | 8,495 |  |  | $ | 1,401,720 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 823 |  |  | $ | 990 |  |  | $ | 125,417 |  |  | $ | 127,230 |  |  | $ | 260 |  |  | $ | 381 |  |  | $ | 329 |  |  | $ | 970 |  |  | $ | 128,200 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 527 |  |  | 321 |  |  | 67,760 |  |  | 68,608 |  |  | — |  |  | 145 |  |  | — |  |  | 145 |  |  | 68,753 |
Real estate – 1-4 family mortgage | 4,572 |  |  | 3,382 |  |  | 440,258 |  |  | 448,212 |  |  | 417 |  |  | 2,047 |  |  | 1,771 |  |  | 4,235 |  |  | 452,447 |
Real estate – commercial mortgage | 3,045 |  |  | 6,112 |  |  | 808,886 |  |  | 818,043 |  |  | — |  |  | 2,661 |  |  | 3,054 |  |  | 5,715 |  |  | 823,758 |
Installment loans to individuals | 96 |  |  | 10 |  |  | 15,591 |  |  | 15,697 |  |  | — |  |  | 156 |  |  | 126 |  |  | 282 |  |  | 15,979 |
Unearned income | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 9,063 |  |  | $ | 10,815 |  |  | $ | 1,457,912 |  |  | $ | 1,477,790 |  |  | $ | 677 |  |  | $ | 5,390 |  |  | $ | 5,280 |  |  | $ | 11,347 |  |  | $ | 1,489,137 |
Impaired loans | Loans accounted for under FASB Accounting Standards Codification Topic (“ASC”) 310-20, “Nonrefundable Fees and Other Cost” (“ASC 310-20”), and which are impaired loans recognized in conformity with ASC 310, “Receivables” (“ASC 310”), segregated by class, were as follows as of the dates presented:
| Unpaid Contractual Principal Balance |  | Recorded Investment With Allowance |  | Recorded Investment With No Allowance |  | Total Recorded Investment |  | Related Allowance
March 31, 2017 |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 2,788 |  |  | $ | 2,185 |  |  | $ | — |  |  | $ | 2,185 |  |  | $ | 147 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – 1-4 family mortgage | 12,679 |  |  | 10,999 |  |  | — |  |  | 10,999 |  |  | 1,085 |
Real estate – commercial mortgage | 19,071 |  |  | 14,478 |  |  | 568 |  |  | 15,046 |  |  | 2,618 |
Installment loans to individuals | 117 |  |  | 117 |  |  | — |  |  | 117 |  |  | — |
Total | $ | 34,655 |  |  | $ | 27,779 |  |  | $ | 568 |  |  | $ | 28,347 |  |  | $ | 3,850 |
December 31, 2016 |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 1,577 |  |  | $ | 1,175 |  |  | $ | — |  |  | $ | 1,175 |  |  | $ | 136 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 517 |  |  | 517 |  |  | — |  |  | 517 |  |  | 1 |
Real estate – 1-4 family mortgage | 10,823 |  |  | 9,207 |  |  | — |  |  | 9,207 |  |  | 1,091 |
Real estate – commercial mortgage | 15,007 |  |  | 10,053 |  |  | 568 |  |  | 10,621 |  |  | 2,397 |
Installment loans to individuals | 87 |  |  | 87 |  |  | — |  |  | 87 |  |  | 1 |
Totals | $ | 28,011 |  |  | $ | 21,039 |  |  | $ | 568 |  |  | $ | 21,607 |  |  | $ | 3,626 |
Loans accounted for under ASC 310-20, and which are impaired loans recognized in conformity with ASC 310, segregated by class, were as follows as of the dates presented:
| Unpaid Contractual Principal Balance |  | Recorded Investment With Allowance |  | Recorded Investment With No Allowance |  | Total Recorded Investment |  | Related Allowance
March 31, 2017 |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 567 |  |  | $ | 121 |  |  | $ | 423 |  |  | $ | 544 |  |  | $ | 18 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – 1-4 family mortgage | 5,463 |  |  | 1,746 |  |  | 3,114 |  |  | 4,860 |  |  | 54 |
Real estate – commercial mortgage | 3,108 |  |  | 2,898 |  |  | 178 |  |  | 3,076 |  |  | 52 |
Installment loans to individuals | 101 |  |  | 62 |  |  | 13 |  |  | 75 |  |  | 3 |
Total | $ | 9,239 |  |  | $ | 4,827 |  |  | $ | 3,728 |  |  | $ | 8,555 |  |  | $ | 127 |
December 31, 2016 |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 732 |  |  | $ | 487 |  |  | $ | 224 |  |  | $ | 711 |  |  | $ | 310 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 147 |  |  | 145 |  |  | — |  |  | 145 |  |  | — |
Real estate – 1-4 family mortgage | 3,095 |  |  | 1,496 |  |  | 1,385 |  |  | 2,881 |  |  | 43 |
Real estate – commercial mortgage | 2,485 |  |  | 2,275 |  |  | 183 |  |  | 2,458 |  |  | 48 |
Installment loans to individuals | 215 |  |  | 135 |  |  | 55 |  |  | 190 |  |  | 114 |
Totals | $ | 6,674 |  |  | $ | 4,538 |  |  | $ | 1,847 |  |  | $ | 6,385 |  |  | $ | 515 |
The following table presents the average recorded investment and interest income recognized on loans accounted for under ASC 310-20 and which are impaired loans for the periods presented:
| Three Months Ended |  | Three Months Ended
| March 31, 2017 |  | March 31, 2016
| Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Commercial, financial, agricultural | $ | 541 |  |  | $ | 2 |  |  | $ | 8 |  |  | $ | — |
Lease financing | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | — |  |  | — |  |  | — |  |  | — |
Real estate – 1-4 family mortgage | 5,481 |  |  | 21 |  |  | 810 |  |  | 9 |
Real estate – commercial mortgage | 3,090 |  |  | 35 |  |  | 1,515 |  |  | 10 |
Installment loans to individuals | 85 |  |  | — |  |  | — |  |  | — |
Total | $ | 9,197 |  |  | $ | 58 |  |  | $ | 2,333 |  |  | $ | 19 |
Investment and interest income recognized on impaired loans | The following table presents the average recorded investment and interest income recognized on loans accounted for under ASC 310-20 and which are impaired loans for the periods presented:
| Three Months Ended |  | Three Months Ended
| March 31, 2017 |  | March 31, 2016
| Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Commercial, financial, agricultural | $ | 2,714 |  |  | $ | 39 |  |  | $ | 318 |  |  | $ | 2 |
Lease financing | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | — |  |  | — |  |  | — |  |  | — |
Real estate – 1-4 family mortgage | 11,088 |  |  | 26 |  |  | 14,442 |  |  | 81 |
Real estate – commercial mortgage | 15,314 |  |  | 106 |  |  | 15,031 |  |  | 122 |
Installment loans to individuals | 118 |  |  | — |  |  | 67 |  |  | 1 |
Total | $ | 29,234 |  |  | $ | 171 |  |  | $ | 29,858 |  |  | $ | 206 |
Loans accounted for under ASC 310-30, and which are impaired loans recognized in conformity with ASC 310, segregated by class, were as follows as of the dates presented:
| Unpaid Contractual Principal Balance |  | Recorded Investment With Allowance |  | Recorded Investment With No Allowance |  | Total Recorded Investment |  | Related Allowance
March 31, 2017 |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 21,357 |  |  | $ | 6,451 |  |  | $ | 6,577 |  |  | $ | 13,028 |  |  | $ | 378 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | — |  |  | — |  |  | — |  |  | — |  |  |
Real estate – 1-4 family mortgage | 80,398 |  |  | 20,725 |  |  | 47,340 |  |  | 68,065 |  |  | 767 |
Real estate – commercial mortgage | 214,450 |  |  | 58,271 |  |  | 114,448 |  |  | 172,719 |  |  | 1,573 |
Installment loans to individuals | 2,091 |  |  | 527 |  |  | 1,400 |  |  | 1,927 |  |  | 1 |
Total | $ | 318,296 |  |  | $ | 85,974 |  |  | $ | 169,765 |  |  | $ | 255,739 |  |  | $ | 2,719 |
December 31, 2016 |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 20,697 |  |  | $ | 4,555 |  |  | $ | 7,439 |  |  | $ | 11,994 |  |  | $ | 372 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 1,141 |  |  | — |  |  | 840 |  |  | 840 |  |  | — |
Real estate – 1-4 family mortgage | 86,725 |  |  | 21,887 |  |  | 50,065 |  |  | 71,952 |  |  | 841 |
Real estate – commercial mortgage | 229,075 |  |  | 62,449 |  |  | 122,538 |  |  | 184,987 |  |  | 1,606 |
Installment loans to individuals | 2,466 |  |  | 366 |  |  | 1,619 |  |  | 1,985 |  |  | 1 |
Totals | $ | 340,104 |  |  | $ | 89,257 |  |  | $ | 182,501 |  |  | $ | 271,758 |  |  | $ | 2,820 |
The following table presents the average recorded investment and interest income recognized on loans accounted for under ASC 310-30 and which are impaired loans for the periods presented:
| Three Months Ended |  | Three Months Ended
| March 31, 2017 |  | March 31, 2016
| Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Commercial, financial, agricultural | $ | 14,088 |  |  | $ | 247 |  |  | $ | 18,024 |  |  | $ | 327 |
Lease financing | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | — |  |  | — |  |  | 2,608 |  |  | 25 |
Real estate – 1-4 family mortgage | 78,341 |  |  | 865 |  |  | 101,089 |  |  | 953 |
Real estate – commercial mortgage | 196,807 |  |  | 2,319 |  |  | 250,041 |  |  | 2,831 |
Installment loans to individuals | 2,104 |  |  | 21 |  |  | 2,954 |  |  | 29 |
Total | $ | 291,340 |  |  | $ | 3,452 |  |  | $ | 374,716 |  |  | $ | 4,165 |
Restructured loans | The following tables illustrate the impact of modifications classified as restructured loans and are segregated by class for the periods presented:
| Number of Loans |  | Pre- Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment
Three months ended March 31, 2017 |  |  |  |  |
Real estate – 1-4 family mortgage | 2 |  |  | 177 |  |  | 174 |
Real estate – commercial mortgage | 2 |  |  | 146 |  |  | 156 |
Total | 4 |  |  | $ | 323 |  |  | $ | 330 |
Three months ended March 31, 2016 |  |  |  |  |
Real estate – 1-4 family mortgage | 5 |  |  | 428 |  |  | 421 |
Total | 5 |  |  | $ | 428 |  |  | $ | 421 |
The following tables illustrate the impact of modifications classified as restructured loans and are segregated by class for the periods presented:
| Number of Loans |  | Pre- Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment
Three months ended March 31, 2017 |  |  |  |  |
Real estate – 1-4 family mortgage | 10 |  |  | 2,221 |  |  | 1,823 |
Real estate – commercial mortgage | 4 |  |  | 2,721 |  |  | 1,986 |
Total | 14 |  |  | $ | 4,942 |  |  | $ | 3,809 |
Three months ended March 31, 2016 |  |  |  |  |
Real estate – 1-4 family mortgage | 6 |  |  | 352 |  |  | 242 |
Real estate – commercial mortgage | 2 |  |  | 612 |  |  | 605 |
Total | 8 |  |  | $ | 964 |  |  | $ | 847 |
Changes in restructured loans | Changes in the Company’s restructured loans are set forth in the table below:
| Number of Loans |  | Recorded Investment
Totals at January 1, 2017 | 53 |  |  | $ | 7,447 |
Additional loans with concessions | 4 |  |  | 334 |
Reductions due to: |  |  |
Reclassified as nonperforming | (1 | ) |  | (56 | )
Paid in full | (2 | ) |  | (217 | )
Charge-offs | (1 | ) |  | (250 | )
Principal paydowns | — |  |  | (85 | )
Totals at March 31, 2017 | 53 |  |  | $ | 7,173 |
Changes in the Company’s restructured loans are set forth in the table below:
| Number of Loans |  | Recorded Investment
Totals at January 1, 2017 | 42 |  |  | $ | 4,028 |
Additional loans with concessions | 14 |  |  | 3,825 |
Reductions due to: |  |  |
Charge-offs | (1 | ) |  | (17 | )
Principal paydowns | — |  |  | (74 | )
Totals at March 31, 2017 | 55 |  |  | $ | 7,762 |
Loan portfolio by risk-rating grades | The following table presents the Company’s loan portfolio by risk-rating grades as of the dates presented:
| Pass |  | Watch |  | Substandard |  | Total
March 31, 2017 |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 470,252 |  |  | $ | 1,846 |  |  | $ | 1,662 |  |  | $ | 473,760 |
Lease financing | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 329,322 |  |  | 225 |  |  | — |  |  | 329,547 |
Real estate – 1-4 family mortgage | 205,083 |  |  | 3,739 |  |  | 6,073 |  |  | 214,895 |
Real estate – commercial mortgage | 1,860,714 |  |  | 16,266 |  |  | 13,053 |  |  | 1,890,033 |
Installment loans to individuals | — |  |  | — |  |  | — |  |  | — |
Total | $ | 2,865,371 |  |  | $ | 22,076 |  |  | $ | 20,788 |  |  | $ | 2,908,235 |
December 31, 2016 |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 434,323 |  |  | $ | 4,531 |  |  | $ | 850 |  |  | $ | 439,704 |
Lease financing | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 402,156 |  |  | 393 |  |  | — |  |  | 402,549 |
Real estate – 1-4 family mortgage | 190,882 |  |  | 3,374 |  |  | 6,129 |  |  | 200,385 |
Real estate – commercial mortgage | 1,734,523 |  |  | 18,118 |  |  | 13,088 |  |  | 1,765,729 |
Installment loans to individuals | — |  |  | — |  |  | — |  |  | — |
Total | $ | 2,761,884 |  |  | $ | 26,416 |  |  | $ | 20,067 |  |  | $ | 2,808,367 |
The following table presents the Company’s loan portfolio by risk-rating grades as of the dates presented:
| Pass |  | Watch |  | Substandard |  | Total
March 31, 2017 |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 89,802 |  |  | $ | 1,959 |  |  | $ | 1,143 |  |  | $ | 92,904 |
Lease financing | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 34,405 |  |  | — |  |  | — |  |  | 34,405 |
Real estate – 1-4 family mortgage | 101,652 |  |  | 6,578 |  |  | 719 |  |  | 108,949 |
Real estate – commercial mortgage | 601,582 |  |  | 8,007 |  |  | 710 |  |  | 610,299 |
Installment loans to individuals | — |  |  | — |  |  | 4 |  |  | 4 |
Total | $ | 827,441 |  |  | $ | 16,544 |  |  | $ | 2,576 |  |  | $ | 846,561 |
December 31, 2016 |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 102,777 |  |  | $ | 2,370 |  |  | $ | 1,491 |  |  | $ | 106,638 |
Lease financing | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 61,206 |  |  | 2,640 |  |  | — |  |  | 63,846 |
Real estate – 1-4 family mortgage | 105,265 |  |  | 7,665 |  |  | 364 |  |  | 113,294 |
Real estate – commercial mortgage | 608,192 |  |  | 8,445 |  |  | 723 |  |  | 617,360 |
Installment loans to individuals | — |  |  | — |  |  | 114 |  |  | 114 |
Total | $ | 877,440 |  |  | $ | 21,120 |  |  | $ | 2,692 |  |  | $ | 901,252 |
Loan portfolio not subject to risk rating | The following table presents the performing status of the Company’s loan portfolio not subject to risk rating as of the dates presented:
| Performing |  | Non- Performing |  | Total
March 31, 2017 |  |  |  |  |
Commercial, financial, agricultural | $ | 151,232 |  |  | $ | 1,245 |  |  | $ | 152,477 |
Lease financing | 47,816 |  |  | — |  |  | 47,816 |
Real estate – construction | 48,514 |  |  | — |  |  | 48,514 |
Real estate – 1-4 family mortgage | 1,268,160 |  |  | 2,608 |  |  | 1,270,768 |
Real estate – commercial mortgage | 312,431 |  |  | 1,175 |  |  | 313,606 |
Installment loans to individuals | 92,535 |  |  | 134 |  |  | 92,669 |
Total | $ | 1,920,688 |  |  | $ | 5,162 |  |  | $ | 1,925,850 |
December 31, 2016 |  |  |  |  |
Commercial, financial, agricultural | $ | 148,499 |  |  | $ | 1,087 |  |  | $ | 149,586 |
Lease financing | 46,703 |  |  | 138 |  |  | 46,841 |
Real estate – construction | 81,377 |  |  | — |  |  | 81,377 |
Real estate – 1-4 family mortgage | 1,222,816 |  |  | 2,529 |  |  | 1,225,345 |
Real estate – commercial mortgage | 308,609 |  |  | 799 |  |  | 309,408 |
Installment loans to individuals | 92,504 |  |  | 144 |  |  | 92,648 |
Total | $ | 1,900,508 |  |  | $ | 4,697 |  |  | $ | 1,905,205 |
The following table presents the performing status of the Company’s loan portfolio not subject to risk rating as of the dates presented:
| Performing |  | Non- Performing |  | Total
March 31, 2017 |  |  |  |  |
Commercial, financial, agricultural | $ | 9,234 |  |  | $ | 63 |  |  | $ | 9,297 |
Lease financing | — |  |  | — |  |  | — |
Real estate – construction | 1,268 |  |  | — |  |  | 1,268 |
Real estate – 1-4 family mortgage | 253,172 |  |  | 1,718 |  |  | 254,890 |
Real estate – commercial mortgage | 21,715 |  |  | 57 |  |  | 21,772 |
Installment loans to individuals | 11,961 |  |  | 232 |  |  | 12,193 |
Total | $ | 297,350 |  |  | $ | 2,070 |  |  | $ | 299,420 |
December 31, 2016 |  |  |  |  |
Commercial, financial, agricultural | $ | 9,489 |  |  | $ | 79 |  |  | $ | 9,568 |
Lease financing | — |  |  | — |  |  | — |
Real estate – construction | 3,601 |  | 5 |  | 466 |  |  | 4,067 |
Real estate – 1-4 family mortgage | 265,697 |  |  | 1,504 |  |  | 267,201 |
Real estate – commercial mortgage | 21,353 |  |  | 58 |  |  | 21,411 |
Installment loans to individuals | 13,712 |  |  | 168 |  |  | 13,880 |
Total | $ | 313,852 |  |  | $ | 2,275 |  |  | $ | 316,127 |

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