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Purchased Loans (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 |
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
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 975 |  |  | $ | — |  |  | $ | 654,670 |  |  | $ | 655,645 |  |  | $ | — |  |  | $ | 1,770 |  |  | $ | 298 |  |  | $ | 2,068 |  |  | $ | 657,713 |
Lease financing | — |  |  | 170 |  |  | 52,177 |  |  | 52,347 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 52,347 |
Real estate – construction | — |  |  | — |  |  | 424,861 |  |  | 424,861 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 424,861 |
Real estate – 1-4 family mortgage | 6,722 |  |  | 538 |  |  | 1,540,332 |  |  | 1,547,592 |  |  | — |  |  | 1,999 |  |  | 2,343 |  |  | 4,342 |  |  | 1,551,934 |
Real estate – commercial mortgage | 1,068 |  |  | 517 |  |  | 2,274,705 |  |  | 2,276,290 |  |  | 634 |  |  | 2,395 |  |  | 1,901 |  |  | 4,930 |  |  | 2,281,220 |
Installment loans to individuals | 293 |  |  | 58 |  |  | 93,680 |  |  | 94,031 |  |  | — |  |  | 65 |  |  | 8 |  |  | 73 |  |  | 94,104 |
Unearned income | — |  |  | — |  |  | (3,281 | ) |  | (3,281 | ) |  | — |  |  | — |  |  | — |  |  | — |  |  | (3,281 | )
Total | $ | 9,058 |  |  | $ | 1,283 |  |  | $ | 5,037,144 |  |  | $ | 5,047,485 |  |  | $ | 634 |  |  | $ | 6,229 |  |  | $ | 4,550 |  |  | $ | 11,413 |  |  | $ | 5,058,898 |
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
June 30, 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 124 |  |  | $ | 564 |  |  | $ | 101,732 |  |  | $ | 102,420 |  |  | $ | — |  |  | $ | 173 |  |  | $ | 276 |  |  | $ | 449 |  |  | $ | 102,869 |
Real estate – construction | — |  |  | — |  |  | 35,946 |  |  | 35,946 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 35,946 |
Real estate – 1-4 family mortgage | 2,363 |  |  | 3,210 |  |  | 391,218 |  |  | 396,791 |  |  | 207 |  |  | 2,208 |  |  | 1,254 |  |  | 3,669 |  |  | 400,460 |
Real estate – commercial mortgage | 1,874 |  |  | 4,347 |  |  | 751,880 |  |  | 758,101 |  |  | — |  |  | 287 |  |  | 1,355 |  |  | 1,642 |  |  | 759,743 |
Installment loans to individuals | 118 |  |  | 7 |  |  | 12,799 |  |  | 12,924 |  |  | 10 |  |  | 2 |  |  | 155 |  |  | 167 |  |  | 13,091 |
Unearned income | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 4,479 |  |  | $ | 8,128 |  |  | $ | 1,293,575 |  |  | $ | 1,306,182 |  |  | $ | 217 |  |  | $ | 2,670 |  |  | $ | 3,040 |  |  | $ | 5,927 |  |  | $ | 1,312,109 |
December 31, 2016 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 823 |  |  | $ | 990 |  |  | $ | 125,417 |  |  | $ | 127,230 |  |  | $ | 260 |  |  | $ | 381 |  |  | $ | 329 |  |  | $ | 970 |  |  | $ | 128,200 |
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
June 30, 2017 |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 2,298 |  |  | $ | 2,068 |  |  | $ | — |  |  | $ | 2,068 |  |  | $ | 150 |
Real estate – construction | 314 |  |  | 314 |  |  | — |  |  | 314 |  |  | 2 |
Real estate – 1-4 family mortgage | 10,692 |  |  | 8,860 |  |  | — |  |  | 8,860 |  |  | 830 |
Real estate – commercial mortgage | 16,543 |  |  | 13,742 |  |  | 568 |  |  | 14,310 |  |  | 2,148 |
Installment loans to individuals | 144 |  |  | 142 |  |  | — |  |  | 142 |  |  | — |
Total | $ | 29,991 |  |  | $ | 25,126 |  |  | $ | 568 |  |  | $ | 25,694 |  |  | $ | 3,130 |
December 31, 2016 |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 1,577 |  |  | $ | 1,175 |  |  | $ | — |  |  | $ | 1,175 |  |  | $ | 136 |
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
June 30, 2017 |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 350 |  |  | $ | 112 |  |  | $ | 221 |  |  | $ | 333 |  |  | $ | 16 |
Real estate – 1-4 family mortgage | 5,058 |  |  | 1,724 |  |  | 2,715 |  |  | 4,439 |  |  | 48 |
Real estate – commercial mortgage | 2,581 |  |  | 1,642 |  |  | 888 |  |  | 2,530 |  |  | 11 |
Installment loans to individuals | 24 |  |  | 6 |  |  | 13 |  |  | 19 |  |  | 3 |
Total | $ | 8,013 |  |  | $ | 3,484 |  |  | $ | 3,837 |  |  | $ | 7,321 |  |  | $ | 78 |
December 31, 2016 |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 732 |  |  | $ | 487 |  |  | $ | 224 |  |  | $ | 711 |  |  | $ | 310 |
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
| June 30, 2017 |  | June 30, 2016
| Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Commercial, financial, agricultural | $ | 342 |  |  | $ | 1 |  |  | $ | 237 |  |  | $ | 2 |
Real estate – 1-4 family mortgage | 4,960 |  |  | 47 |  |  | 1,644 |  |  | 5 |
Real estate – commercial mortgage | 2,515 |  |  | 30 |  |  | 2,504 |  |  | 35 |
Installment loans to individuals | 19 |  |  | — |  |  | 12 |  |  | — |
Total | $ | 7,836 |  |  | $ | 78 |  |  | $ | 4,397 |  |  | $ | 42 |
| Six Months Ended |  | Six Months Ended
| June 30, 2017 |  | June 30, 2016
| Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Commercial, financial, agricultural | $ | 347 |  |  | $ | 3 |  |  | $ | 241 |  |  | $ | 2 |
Real estate – 1-4 family mortgage | 5,032 |  |  | 62 |  |  | 1,634 |  |  | 14 |
Real estate – commercial mortgage | 2,284 |  |  | 51 |  |  | 2,474 |  |  | 45 |
Installment loans to individuals | 21 |  |  | — |  |  | 14 |  |  | — |
Total | $ | 7,684 |  |  | $ | 116 |  |  | $ | 4,363 |  |  | $ | 61 |
Purchased credit deteriorated 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
| June 30, 2017 |  | June 30, 2016
| Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Commercial, financial, agricultural | $ | 1,873 |  |  | $ | — |  |  | $ | 1,232 |  |  | $ | 21 |
Real estate – construction | 295 |  |  | 6 |  |  | 117 |  |  | 2 |
Real estate – 1-4 family mortgage | 8,911 |  |  | 89 |  |  | 16,157 |  |  | 123 |
Real estate – commercial mortgage | 14,487 |  |  | 176 |  |  | 11,660 |  |  | 91 |
Installment loans to individuals | 160 |  |  | 2 |  |  | 67 |  |  | 1 |
Total | $ | 25,726 |  |  | $ | 273 |  |  | $ | 29,233 |  |  | $ | 238 |
| Six Months Ended |  | Six Months Ended
| June 30, 2017 |  | June 30, 2016
| Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Commercial, financial, agricultural | $ | 2,187 |  |  | $ | — |  |  | $ | 1,265 |  |  | $ | 23 |
Real estate – construction | 268 |  |  | 6 |  |  | 58 |  |  | 2 |
Real estate – 1-4 family mortgage | 8,892 |  |  | 110 |  |  | 16,415 |  |  | 195 |
Real estate – commercial mortgage | 14,635 |  |  | 279 |  |  | 11,986 |  |  | 196 |
Installment loans to individuals | 166 |  |  | 2 |  |  | 67 |  |  | 1 |
Total | $ | 26,148 |  |  | $ | 397 |  |  | $ | 29,791 |  |  | $ | 417 |
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
| June 30, 2017 |  | June 30, 2016
| Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Commercial, financial, agricultural | $ | 14,894 |  |  | $ | 252 |  |  | $ | 16,361 |  |  | $ | 287 |
Real estate – construction | — |  |  | — |  |  | 3,562 |  |  | 39 |
Real estate – 1-4 family mortgage | 72,933 |  |  | 759 |  |  | 98,200 |  |  | 1,083 |
Real estate – commercial mortgage | 181,007 |  |  | 2,169 |  |  | 239,564 |  |  | 2,903 |
Installment loans to individuals | 1,935 |  |  | 19 |  |  | 2,705 |  |  | 29 |
Total | $ | 270,769 |  |  | $ | 3,199 |  |  | $ | 360,392 |  |  | $ | 4,341 |
| Six Months Ended |  | Six Months Ended
| June 30, 2017 |  | June 30, 2016
| Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Commercial, financial, agricultural | $ | 14,048 |  |  | $ | 487 |  |  | $ | 16,872 |  |  | $ | 611 |
Real estate – construction | — |  |  | — |  |  | 3,572 |  |  | 65 |
Real estate – 1-4 family mortgage | 73,656 |  |  | 1,582 |  |  | 98,874 |  |  | 2,030 |
Real estate – commercial mortgage | 182,894 |  |  | 4,394 |  |  | 240,254 |  |  | 5,593 |
Installment loans to individuals | 1,966 |  |  | 38 |  |  | 2,776 |  |  | 56 |
Total | $ | 272,564 |  |  | $ | 6,501 |  |  | $ | 362,348 |  |  | $ | 8,355 |
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
June 30, 2017 |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 19,906 |  |  | $ | 6,255 |  |  | $ | 5,751 |  |  | $ | 12,006 |  |  | $ | 339 |
Real estate – 1-4 family mortgage | 74,931 |  |  | 19,206 |  |  | 43,950 |  |  | 63,156 |  |  | 692 |
Real estate – commercial mortgage | 196,028 |  |  | 56,788 |  |  | 103,063 |  |  | 159,851 |  |  | 1,128 |
Installment loans to individuals | 1,927 |  |  | 665 |  |  | 1,118 |  |  | 1,783 |  |  | 1 |
Total | $ | 292,792 |  |  | $ | 82,914 |  |  | $ | 153,882 |  |  | $ | 236,796 |  |  | $ | 2,160 |
December 31, 2016 |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 20,697 |  |  | $ | 4,555 |  |  | $ | 7,439 |  |  | $ | 11,994 |  |  | $ | 372 |
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 |
Restructured loans | The following tables illustrate the impact of modifications classified as restructured loans which were held on the Consolidated Balance Sheet at period end 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 June 30, 2017 |  |  |  |  |
Real estate – 1-4 family mortgage | 3 |  |  | $ | 127 |  |  | $ | 126 |
Real estate – commercial mortgage | 1 |  |  | 366 |  |  | 62 |
Installment loans to individuals | 1 |  |  | 4 |  |  | 4 |
Total | 5 |  |  | $ | 497 |  |  | $ | 192 |
Three months ended June 30, 2016 |  |  |  |  |
Real estate – 1-4 family mortgage | 3 |  |  | $ | 676 |  |  | $ | 662 |
Total | 3 |  |  | $ | 676 |  |  | $ | 662 |
| Number of Loans |  | Pre- Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment
Six months ended June 30, 2017 |  |  |  |  |
Real estate – 1-4 family mortgage | 5 |  |  | $ | 304 |  |  | $ | 297 |
Real estate – commercial mortgage | 2 |  |  | 453 |  |  | 147 |
Installment loans to individuals | 1 |  |  | 4 |  |  | 4 |
Total | 8 |  |  | $ | 761 |  |  | $ | 448 |
Six months ended June 30, 2016 |  |  |  |  |
Real estate – 1-4 family mortgage | 7 |  |  | $ | 987 |  |  | $ | 963 |
Total | 7 |  |  | $ | 987 |  |  | $ | 963 |
The following tables illustrate the impact of modifications classified as restructured loans which were held on the Consolidated Balance Sheet at period end 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 June 30, 2017 |  |  |  |  |
Real estate – 1-4 family mortgage | 4 |  |  | $ | 463 |  |  | $ | 367 |
Total | 4 |  |  | $ | 463 |  |  | $ | 367 |
Three months ended June 30, 2016 |  |  |  |  |
Real estate – 1-4 family mortgage | 2 |  |  | $ | 148 |  |  | $ | 147 |
Total | 2 |  |  | $ | 148 |  |  | $ | 147 |
| Number of Loans |  | Pre- Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment
Six months ended June 30, 2017 |  |  |  |  |
Real estate – 1-4 family mortgage | 14 |  |  | $ | 2,684 |  |  | $ | 2,178 |
Real estate – commercial mortgage | 4 |  |  | 2,721 |  |  | 1,999 |
Total | 18 |  |  | $ | 5,405 |  |  | $ | 4,177 |
Six months ended June 30, 2016 |  |  |  |  |
Real estate – 1-4 family mortgage | 8 |  |  | $ | 501 |  |  | $ | 390 |
Real estate – commercial mortgage | 2 |  |  | 612 |  |  | 606 |
Total | 10 |  |  | $ | 1,113 |  |  | $ | 996 |
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 | 9 |  |  | 536 |
Reductions due to: |  |  |
Reclassified as nonperforming | (2 | ) |  | (126 | )
Paid in full | (6 | ) |  | (368 | )
Charge-offs | (1 | ) |  | (250 | )
Principal paydowns | — |  |  | (181 | )
Totals at June 30, 2017 | 53 |  |  | $ | 7,058 |
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 | 18 |  |  | 4,209 |
Reductions due to: |  |  |
Reclassified as nonperforming | (6 | ) |  | (534 | )
Charge-offs | (1 | ) |  | (17 | )
Lapse of concession period | (1 | ) |  | (101 | )
Totals at June 30, 2017 | 52 |  |  | $ | 7,409 |
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
June 30, 2017 |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 486,168 |  |  | $ | 2,032 |  |  | $ | 1,122 |  |  | $ | 489,322 |
Real estate – construction | 368,987 |  |  | 444 |  |  | — |  |  | 369,431 |
Real estate – 1-4 family mortgage | 227,554 |  |  | 2,938 |  |  | 5,018 |  |  | 235,510 |
Real estate – commercial mortgage | 1,919,279 |  |  | 15,594 |  |  | 11,463 |  |  | 1,946,336 |
Total | $ | 3,001,988 |  |  | $ | 21,008 |  |  | $ | 17,603 |  |  | $ | 3,040,599 |
December 31, 2016 |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 434,323 |  |  | $ | 4,531 |  |  | $ | 850 |  |  | $ | 439,704 |
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 |
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
June 30, 2017 |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 76,505 |  |  | $ | 2,054 |  |  | $ | 409 |  |  | $ | 78,968 |
Real estate – construction | 35,007 |  |  | — |  |  | — |  |  | 35,007 |
Real estate – 1-4 family mortgage | 89,147 |  |  | 6,003 |  |  | 204 |  |  | 95,354 |
Real estate – commercial mortgage | 565,140 |  |  | 7,585 |  |  | 972 |  |  | 573,697 |
Installment loans to individuals | — |  |  | — |  |  | 4 |  |  | 4 |
Total | $ | 765,799 |  |  | $ | 15,642 |  |  | $ | 1,589 |  |  | $ | 783,030 |
December 31, 2016 |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 102,777 |  |  | $ | 2,370 |  |  | $ | 1,491 |  |  | $ | 106,638 |
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
June 30, 2017 |  |  |  |  |
Commercial, financial, agricultural | $ | 166,730 |  |  | $ | 1,661 |  |  | $ | 168,391 |
Lease financing | 48,896 |  |  | 170 |  |  | 49,066 |
Real estate – construction | 55,430 |  |  | — |  |  | 55,430 |
Real estate – 1-4 family mortgage | 1,314,051 |  |  | 2,373 |  |  | 1,316,424 |
Real estate – commercial mortgage | 333,298 |  |  | 1,586 |  |  | 334,884 |
Installment loans to individuals | 93,973 |  |  | 131 |  |  | 94,104 |
Total | $ | 2,012,378 |  |  | $ | 5,921 |  |  | $ | 2,018,299 |
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
June 30, 2017 |  |  |  |  |
Commercial, financial, agricultural | $ | 11,833 |  |  | $ | 62 |  |  | $ | 11,895 |
Real estate – construction | 939 |  |  | — |  |  | 939 |
Real estate – 1-4 family mortgage | 240,610 |  |  | 1,340 |  |  | 241,950 |
Real estate – commercial mortgage | 25,403 |  |  | 792 |  |  | 26,195 |
Installment loans to individuals | 11,142 |  |  | 162 |  |  | 11,304 |
Total | $ | 289,927 |  |  | $ | 2,356 |  |  | $ | 292,283 |
December 31, 2016 |  |  |  |  |
Commercial, financial, agricultural | $ | 9,489 |  |  | $ | 79 |  |  | $ | 9,568 |
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 |
Loans acquired with deteriorated credit quality | Loans purchased in business combinations that exhibited, at the date of acquisition, evidence of deterioration of the credit quality since origination, such that it was probable that all contractually required payments would not be collected, were as follows as of the dates presented:
| Total Purchased Credit Deteriorated Loans
June 30, 2017 |
Commercial, financial, agricultural | $ | 12,006 |
Real estate – 1-4 family mortgage | 63,156 |
Real estate – commercial mortgage | 159,851 |
Installment loans to individuals | 1,783 |
Total | $ | 236,796 |
December 31, 2016 |
Commercial, financial, agricultural | $ | 11,994 |
Real estate – construction | 840 |
Real estate – 1-4 family mortgage | 71,952 |
Real estate – commercial mortgage | 184,987 |
Installment loans to individuals | 1,985 |
Total | $ | 271,758 |
Fair value of loans determined to be impaired and not to be impaired at the time of acquisition | The following table presents the fair value of loans determined to be impaired at the time of acquisition and determined not to be impaired at the time of acquisition at June 30, 2017:
| Total Purchased Credit Deteriorated Loans
Contractually-required principal and interest | $ | 344,571 |
Nonaccretable difference(1) | (78,519 | )
Cash flows expected to be collected | 266,052 |
Accretable yield(2) | (29,256 | )
Fair value | $ | 236,796 |
(1) | Represents contractual principal and interest cash flows of $78,502 and $17, respectively, not expected to be collected.
(2) | Represents contractual interest payments of $756 expected to be collected and purchase discount of $28,500.
Changes in accretable yield of loans acquired with deteriorated credit quality | Changes in the accretable yield of loans purchased with deteriorated credit quality were as follows:
| Total Purchased Credit Deteriorated Loans
Balance at January 1, 2017 | $ | (36,326 | )
Additions due to acquisition | — |
Reclasses from nonaccretable difference | 294 |
Accretion | 6,035 |
Charge-offs | 741 |
Balance at June 30, 2017 | $ | (29,256 | )
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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