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Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2017
Receivables [Abstract] |
Summary of loans | The following is a summary of non purchased loans and leases as of the dates presented:
| June 30, 2017 |  | December 31, 2016
Commercial, financial, agricultural | $ | 657,713 |  |  | $ | 589,290 |
Lease financing | 52,347 |  |  | 49,250 |
Real estate – construction | 424,861 |  |  | 483,926 |
Real estate – 1-4 family mortgage | 1,551,934 |  |  | 1,425,730 |
Real estate – commercial mortgage | 2,281,220 |  |  | 2,075,137 |
Installment loans to individuals | 94,104 |  |  | 92,648 |
Gross loans | 5,062,179 |  |  | 4,715,981 |
Unearned income | (3,281 | ) |  | (2,409 | )
Loans, net of unearned income | 5,058,898 |  |  | 4,713,572 |
The following is a summary of purchased loans as of the dates presented:
| June 30, 2017 |  | December 31, 2016
Commercial, financial, agricultural | $ | 102,869 |  |  | $ | 128,200 |
Real estate – construction | 35,946 |  |  | 68,753 |
Real estate – 1-4 family mortgage | 400,460 |  |  | 452,447 |
Real estate – commercial mortgage | 759,743 |  |  | 823,758 |
Installment loans to individuals | 13,091 |  |  | 15,979 |
Gross loans | 1,312,109 |  |  | 1,489,137 |
Unearned income | — |  |  | — |
Loans, net of unearned income | 1,312,109 |  |  | 1,489,137 |
The following is a summary of total non purchased and purchased loans as of the dates presented:
| June 30, 2017 |  | December 31, 2016
Commercial, financial, agricultural | $ | 760,582 |  |  | $ | 717,490 |
Lease financing | 52,347 |  |  | 49,250 |
Real estate – construction | 460,807 |  |  | 552,679 |
Real estate – 1-4 family mortgage | 1,952,394 |  |  | 1,878,177 |
Real estate – commercial mortgage | 3,040,963 |  |  | 2,898,895 |
Installment loans to individuals | 107,195 |  |  | 108,627 |
Gross loans | 6,374,288 |  |  | 6,205,118 |
Unearned income | (3,281 | ) |  | (2,409 | )
Loans, net of unearned income | 6,371,007 |  |  | 6,202,709 |
Allowance for loan losses | (44,149 | ) |  | (42,737 | )
Net loans | $ | 6,326,858 |  |  | $ | 6,159,972 |
Rollforward of the allowance for loan losses | The following table provides a roll forward 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
Three Months Ended June 30, 2017 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,112 |  |  | $ | 2,119 |  |  | $ | 12,162 |  |  | $ | 22,073 |  |  | $ | 1,457 |  |  | $ | 42,923 |
Charge-offs | (304 | ) |  | — |  |  | (551 | ) |  | (434 | ) |  | (125 | ) |  | (1,414 | )
Recoveries | 64 |  |  | 3 |  |  | 64 |  |  | 717 |  |  | 42 |  |  | 890 |
Net (charge-offs) recoveries | (240 | ) |  | 3 |  |  | (487 | ) |  | 283 |  |  | (83 | ) |  | (524 | )
Provision for loan losses charged to operations (2) | 220 |  |  | 458 |  |  | 429 |  |  | 244 |  |  | 399 |  |  | 1,750 |
Ending balance | $ | 5,092 |  |  | $ | 2,580 |  |  | $ | 12,104 |  |  | $ | 22,600 |  |  | $ | 1,773 |  |  | $ | 44,149 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
Six Months Ended June 30, 2017 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,486 |  |  | $ | 2,380 |  |  | $ | 14,294 |  |  | $ | 19,059 |  |  | $ | 1,518 |  |  | $ | 42,737 |
Charge-offs | (1,136 | ) |  | — |  |  | (826 | ) |  | (661 | ) |  | (389 | ) |  | (3,012 | )
Recoveries | 121 |  |  | 34 |  |  | 146 |  |  | 812 |  |  | 61 |  |  | 1,174 |
Net (charge-offs) recoveries | (1,015 | ) |  | 34 |  |  | (680 | ) |  | 151 |  |  | (328 | ) |  | (1,838 | )
Provision for loan losses charged to operations (2) | 621 |  |  | 166 |  |  | (1,510 | ) |  | 3,390 |  |  | 583 |  |  | 3,250 |
Ending balance | $ | 5,092 |  |  | $ | 2,580 |  |  | $ | 12,104 |  |  | $ | 22,600 |  |  | $ | 1,773 |  |  | $ | 44,149 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 166 |  |  | $ | 2 |  |  | $ | 878 |  |  | $ | 2,159 |  |  | $ | 3 |  |  | $ | 3,208 |
Collectively evaluated for impairment | 4,587 |  |  | 2,578 |  |  | 10,534 |  |  | 19,313 |  |  | 1,769 |  |  | 38,781 |
Purchased with deteriorated credit quality | 339 |  |  | — |  |  | 692 |  |  | 1,128 |  |  | 1 |  |  | 2,160 |
Ending balance | $ | 5,092 |  |  | $ | 2,580 |  |  | $ | 12,104 |  |  | $ | 22,600 |  |  | $ | 1,773 |  |  | $ | 44,149 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
Three Months Ended June 30, 2016 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,171 |  |  | $ | 1,943 |  |  | $ | 14,542 |  |  | $ | 20,775 |  |  | $ | 1,428 |  |  | $ | 42,859 |
Charge-offs | (48 | ) |  | — |  |  | (387 | ) |  | (186 | ) |  | (192 | ) |  | (813 | )
Recoveries | 105 |  |  | 5 |  |  | 170 |  |  | 309 |  |  | 33 |  |  | 622 |
Net (charge-offs) recoveries | 57 |  |  | 5 |  |  | (217 | ) |  | 123 |  |  | (159 | ) |  | (191 | )
Provision for loan losses | 265 |  |  | 315 |  |  | (186 | ) |  | 624 |  |  | 146 |  |  | 1,164 |
Benefit attributable to FDIC loss-share agreements | 15 |  |  | — |  |  | (78 | ) |  | 117 |  |  | — |  |  | 54 |
Recoveries payable to FDIC | 4 |  |  | 6 |  |  | 158 |  |  | 44 |  |  | — |  |  | 212 |
Provision for loan losses charged to operations | 284 |  |  | 321 |  |  | (106 | ) |  | 785 |  |  | 146 |  |  | 1,430 |
Ending balance | $ | 4,512 |  |  | $ | 2,269 |  |  | $ | 14,219 |  |  | $ | 21,683 |  |  | $ | 1,415 |  |  | $ | 44,098 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
Six Months Ended June 30, 2016 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 4,186 |  |  | $ | 1,852 |  |  | $ | 13,908 |  |  | $ | 21,111 |  |  | $ | 1,380 |  |  | $ | 42,437 |
Charge-offs | (705 | ) |  | — |  |  | (503 | ) |  | (1,187 | ) |  | (372 | ) |  | (2,767 | )
Recoveries | 158 |  |  | 11 |  |  | 565 |  |  | 401 |  |  | 63 |  |  | 1,198 |
Net (charge-offs) recoveries | (547 | ) |  | 11 |  |  | 62 |  |  | (786 | ) |  | (309 | ) |  | (1,569 | )
Provision for loan losses | 866 |  |  | 400 |  |  | 179 |  |  | 1,154 |  |  | 344 |  |  | 2,943 |
Benefit attributable to FDIC loss-share agreements | — |  |  | — |  |  | (115 | ) |  | (1 | ) |  | — |  |  | (116 | )
Recoveries payable to FDIC | 7 |  |  | 6 |  |  | 185 |  |  | 205 |  |  | — |  |  | 403 |
Provision for loan losses charged to operations | 873 |  |  | 406 |  |  | 249 |  |  | 1,358 |  |  | 344 |  |  | 3,230 |
Ending balance | $ | 4,512 |  |  | $ | 2,269 |  |  | $ | 14,219 |  |  | $ | 21,683 |  |  | $ | 1,415 |  |  | $ | 44,098 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 164 |  |  | $ | — |  |  | $ | 4,924 |  |  | $ | 2,531 |  |  | $ | — |  |  | $ | 7,619 |
Collectively evaluated for impairment | 3,947 |  |  | 2,269 |  |  | 8,951 |  |  | 17,726 |  |  | 1,414 |  |  | 34,307 |
Purchased with deteriorated credit quality | 401 |  |  | — |  |  | 344 |  |  | 1,426 |  |  | 1 |  |  | 2,172 |
Ending balance | $ | 4,512 |  |  | $ | 2,269 |  |  | $ | 14,219 |  |  | $ | 21,683 |  |  | $ | 1,415 |  |  | $ | 44,098 |
(1) | Includes lease financing receivables.
(2) | Due to the termination of the loss-share agreements on December 8, 2016, there was no loss-share impact to the provision for loan losses in 2017.
Investment in loans, net of unearned income on impairment methodology | The following table presents the fair value of loans purchased from KeyWorth as of the April 1, 2016 acquisition date.
At acquisition date: |  | April 1, 2016
Contractually-required principal and interest |  | $ | 289,495 |
Nonaccretable difference |  | 3,848 |
Cash flows expected to be collected |  | 285,647 |
Accretable yield |  | 13,317 |
Fair value |  | $ | 272,330 |
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
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 2,401 |  |  | $ | 314 |  |  | $ | 13,299 |  |  | $ | 16,840 |  |  | $ | 161 |  |  | $ | 33,015 |
Collectively evaluated for impairment | 746,175 |  |  | 460,493 |  |  | 1,875,939 |  |  | 2,864,272 |  |  | 154,317 |  |  | 6,101,196 |
Purchased with deteriorated credit quality | 12,006 |  |  | — |  |  | 63,156 |  |  | 159,851 |  |  | 1,783 |  |  | 236,796 |
Ending balance | $ | 760,582 |  |  | $ | 460,807 |  |  | $ | 1,952,394 |  |  | $ | 3,040,963 |  |  | $ | 156,261 |  |  | $ | 6,371,007 |
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 |
Purchased 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 |
(1) | Includes lease financing receivables.

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