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Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2018
Receivables [Abstract] |
Summary of total non purchased and purchased loans | The following is a summary of non purchased loans and leases as of the dates presented:
| June 30, 2018 |  | December 31, 2017
Commercial, financial, agricultural | $ | 790,363 |  |  | $ | 763,823 |
Lease financing | 55,749 |  |  | 57,354 |
Real estate – construction | 642,380 |  |  | 547,658 |
Real estate – 1-4 family mortgage | 1,912,450 |  |  | 1,729,534 |
Real estate – commercial mortgage | 2,554,955 |  |  | 2,390,076 |
Installment loans to individuals | 105,195 |  |  | 103,452 |
Gross loans | 6,061,092 |  |  | 5,591,897 |
Unearned income | (3,326 | ) |  | (3,341 | )
Loans, net of unearned income | $ | 6,057,766 |  |  | $ | 5,588,556 |
The following is a summary of purchased loans as of the dates presented:
| June 30, 2018 |  | December 31, 2017
Commercial, financial, agricultural | $ | 197,455 |  |  | $ | 275,570 |
Real estate – construction | 70,438 |  |  | 85,731 |
Real estate – 1-4 family mortgage | 520,649 |  |  | 614,187 |
Real estate – commercial mortgage | 906,219 |  |  | 1,037,454 |
Installment loans to individuals | 15,130 |  |  | 18,824 |
Gross loans | 1,709,891 |  |  | 2,031,766 |
Unearned income | — |  |  | — |
Loans, net of unearned income | $ | 1,709,891 |  |  | $ | 2,031,766 |
The following is a summary of total non purchased and purchased loans as of the dates presented:
| June 30, 2018 |  | December 31, 2017
Commercial, financial, agricultural | $ | 987,818 |  |  | $ | 1,039,393 |
Lease financing | 55,749 |  |  | 57,354 |
Real estate – construction | 712,818 |  |  | 633,389 |
Real estate – 1-4 family mortgage | 2,433,099 |  |  | 2,343,721 |
Real estate – commercial mortgage | 3,461,174 |  |  | 3,427,530 |
Installment loans to individuals | 120,325 |  |  | 122,276 |
Gross loans | 7,770,983 |  |  | 7,623,663 |
Unearned income | (3,326 | ) |  | (3,341 | )
Loans, net of unearned income | 7,767,657 |  |  | 7,620,322 |
Allowance for loan losses | (47,355 | ) |  | (46,211 | )
Net loans | $ | 7,720,302 |  |  | $ | 7,574,111 |
Roll forward 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, 2018 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 7,071 |  |  | $ | 4,198 |  |  | $ | 11,404 |  |  | $ | 21,914 |  |  | $ | 1,814 |  |  | $ | 46,401 |
Charge-offs | (457 | ) |  | — |  |  | (979 | ) |  | (46 | ) |  | (99 | ) |  | (1,581 | )
Recoveries | 114 |  |  | 3 |  |  | 83 |  |  | 496 |  |  | 29 |  |  | 725 |
Net (charge-offs) recoveries | (343 | ) |  | 3 |  |  | (896 | ) |  | 450 |  |  | (70 | ) |  | (856 | )
Provision for loan losses charged to operations | 418 |  |  | 501 |  |  | 1,149 |  |  | 86 |  |  | (344 | ) |  | 1,810 |
Ending balance | $ | 7,146 |  |  | $ | 4,702 |  |  | $ | 11,657 |  |  | $ | 22,450 |  |  | $ | 1,400 |  |  | $ | 47,355 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
Six Months Ended June 30, 2018 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,542 |  |  | $ | 3,428 |  |  | $ | 12,009 |  |  | $ | 23,384 |  |  | $ | 1,848 |  |  | $ | 46,211 |
Charge-offs | (1,116 | ) |  | — |  |  | (1,650 | ) |  | (659 | ) |  | (221 | ) |  | (3,646 | )
Recoveries | 349 |  |  | 7 |  |  | 216 |  |  | 604 |  |  | 54 |  |  | 1,230 |
Net (charge-offs) recoveries | (767 | ) |  | 7 |  |  | (1,434 | ) |  | (55 | ) |  | (167 | ) |  | (2,416 | )
Provision for loan losses charged to operations | 2,371 |  |  | 1,267 |  |  | 1,082 |  |  | (879 | ) |  | (281 | ) |  | 3,560 |
Ending balance | $ | 7,146 |  |  | $ | 4,702 |  |  | $ | 11,657 |  |  | $ | 22,450 |  |  | $ | 1,400 |  |  | $ | 47,355 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 417 |  |  | $ | — |  |  | $ | 76 |  |  | $ | 1,014 |  |  | $ | 8 |  |  | $ | 1,515 |
Collectively evaluated for impairment | 6,404 |  |  | 4,702 |  |  | 11,053 |  |  | 20,036 |  |  | 1,389 |  |  | 43,584 |
Purchased with deteriorated credit quality | 325 |  |  | — |  |  | 528 |  |  | 1,400 |  |  | 3 |  |  | 2,256 |
Ending balance | $ | 7,146 |  |  | $ | 4,702 |  |  | $ | 11,657 |  |  | $ | 22,450 |  |  | $ | 1,400 |  |  | $ | 47,355 |
| 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 | 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 | 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 |
(1) | Includes lease financing receivables.
Investment in loans, net of unearned income on impairment methodology | The following table presents the fair value of loans purchased from Metropolitan as of the July 1, 2017 acquisition date.
At acquisition date: |  | July 1, 2017
Contractually-required principal and interest |  | $ | 1,198,741 |
Nonaccretable difference |  | (79,165 | )
Cash flows expected to be collected |  | 1,119,576 |
Accretable yield |  | (154,543 | )
Fair value |  | $ | 965,033 |
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, 2018 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 2,697 |  |  | $ | — |  |  | $ | 11,561 |  |  | $ | 7,213 |  |  | $ | 686 |  |  | $ | 22,157 |
Collectively evaluated for impairment | 974,706 |  |  | 712,818 |  |  | 2,375,162 |  |  | 3,311,268 |  |  | 170,505 |  |  | 7,544,459 |
Purchased with deteriorated credit quality | 10,415 |  |  | — |  |  | 46,376 |  |  | 142,693 |  |  | 1,557 |  |  | 201,041 |
Ending balance | $ | 987,818 |  |  | $ | 712,818 |  |  | $ | 2,433,099 |  |  | $ | 3,461,174 |  |  | $ | 172,748 |  |  | $ | 7,767,657 |
December 31, 2017 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 3,064 |  |  | $ | 1,777 |  |  | $ | 14,482 |  |  | $ | 10,545 |  |  | $ | 439 |  |  | $ | 30,307 |
Collectively evaluated for impairment | 1,021,014 |  |  | 631,612 |  |  | 2,275,270 |  |  | 3,260,648 |  |  | 174,211 |  |  | 7,362,755 |
Purchased with deteriorated credit quality | 15,315 |  |  | — |  |  | 53,969 |  |  | 156,337 |  |  | 1,639 |  |  | 227,260 |
Ending balance | $ | 1,039,393 |  |  | $ | 633,389 |  |  | $ | 2,343,721 |  |  | $ | 3,427,530 |  |  | $ | 176,289 |  |  | $ | 7,620,322 |
(1) | Includes lease financing receivables.

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- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=84173941&loc=SL6953423-111524 + Details
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- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682 + Details
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