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Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 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:
| September 30, 2018 |  | December 31, 2017
Commercial, financial, agricultural | $ | 817,799 |  |  | $ | 763,823 |
Lease financing | 57,576 |  |  | 57,354 |
Real estate – construction | 624,892 |  |  | 547,658 |
Real estate – 1-4 family mortgage | 2,000,770 |  |  | 1,729,534 |
Real estate – commercial mortgage | 2,609,510 |  |  | 2,390,076 |
Installment loans to individuals | 102,995 |  |  | 103,452 |
Gross loans | 6,213,542 |  |  | 5,591,897 |
Unearned income | (3,304 | ) |  | (3,341 | )
Loans, net of unearned income | $ | 6,210,238 |  |  | $ | 5,588,556 |
The following is a summary of purchased loans as of the dates presented:
| September 30, 2018 |  | December 31, 2017
Commercial, financial, agricultural | $ | 495,545 |  |  | $ | 275,570 |
Real estate – construction | 112,093 |  |  | 85,731 |
Real estate – 1-4 family mortgage | 761,913 |  |  | 614,187 |
Real estate – commercial mortgage | 1,503,075 |  |  | 1,037,454 |
Installment loans to individuals | 40,043 |  |  | 18,824 |
Gross loans | 2,912,669 |  |  | 2,031,766 |
Unearned income | — |  |  | — |
Loans, net of unearned income | $ | 2,912,669 |  |  | $ | 2,031,766 |
The following is a summary of total non purchased and purchased loans as of the dates presented:
| September 30, 2018 |  | December 31, 2017
Commercial, financial, agricultural | $ | 1,313,344 |  |  | $ | 1,039,393 |
Lease financing | 57,576 |  |  | 57,354 |
Real estate – construction | 736,985 |  |  | 633,389 |
Real estate – 1-4 family mortgage | 2,762,683 |  |  | 2,343,721 |
Real estate – commercial mortgage | 4,112,585 |  |  | 3,427,530 |
Installment loans to individuals | 143,038 |  |  | 122,276 |
Gross loans | 9,126,211 |  |  | 7,623,663 |
Unearned income | (3,304 | ) |  | (3,341 | )
Loans, net of unearned income | 9,122,907 |  |  | 7,620,322 |
Allowance for loan losses | (48,610 | ) |  | (46,211 | )
Net loans | $ | 9,074,297 |  |  | $ | 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 September 30, 2018 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 7,146 |  |  | $ | 4,702 |  |  | $ | 11,657 |  |  | $ | 22,450 |  |  | $ | 1,400 |  |  | $ | 47,355 |
Charge-offs | (511 | ) |  | — |  |  | (211 | ) |  | (216 | ) |  | (402 | ) |  | (1,340 | )
Recoveries | 24 |  |  | 3 |  |  | 119 |  |  | 152 |  |  | 47 |  |  | 345 |
Net (charge-offs) recoveries | (487 | ) |  | 3 |  |  | (92 | ) |  | (64 | ) |  | (355 | ) |  | (995 | )
Provision for loan losses charged to operations | 1,448 |  |  | 8 |  |  | (1,497 | ) |  | 2,041 |  |  | 250 |  |  | 2,250 |
Ending balance | $ | 8,107 |  |  | $ | 4,713 |  |  | $ | 10,068 |  |  | $ | 24,427 |  |  | $ | 1,295 |  |  | $ | 48,610 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
Nine Months Ended September 30, 2018 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,542 |  |  | $ | 3,428 |  |  | $ | 12,009 |  |  | $ | 23,384 |  |  | $ | 1,848 |  |  | $ | 46,211 |
Charge-offs | (1,627 | ) |  | — |  |  | (1,861 | ) |  | (875 | ) |  | (623 | ) |  | (4,986 | )
Recoveries | 373 |  |  | 10 |  |  | 335 |  |  | 756 |  |  | 101 |  |  | 1,575 |
Net (charge-offs) recoveries | (1,254 | ) |  | 10 |  |  | (1,526 | ) |  | (119 | ) |  | (522 | ) |  | (3,411 | )
Provision for loan losses charged to operations | 3,819 |  |  | 1,275 |  |  | (415 | ) |  | 1,162 |  |  | (31 | ) |  | 5,810 |
Ending balance | $ | 8,107 |  |  | $ | 4,713 |  |  | $ | 10,068 |  |  | $ | 24,427 |  |  | $ | 1,295 |  |  | $ | 48,610 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 421 |  |  | $ | 70 |  |  | $ | 70 |  |  | $ | 715 |  |  | $ | 4 |  |  | $ | 1,280 |
Collectively evaluated for impairment | 7,326 |  |  | 4,643 |  |  | 9,493 |  |  | 21,751 |  |  | 1,289 |  |  | 44,502 |
Purchased with deteriorated credit quality | 360 |  |  | — |  |  | 505 |  |  | 1,961 |  |  | 2 |  |  | 2,828 |
Ending balance | $ | 8,107 |  |  | $ | 4,713 |  |  | $ | 10,068 |  |  | $ | 24,427 |  |  | $ | 1,295 |  |  | $ | 48,610 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
Three Months Ended September 30, 2017 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,092 |  |  | $ | 2,580 |  |  | $ | 12,104 |  |  | $ | 22,600 |  |  | $ | 1,773 |  |  | $ | 44,149 |
Charge-offs | (974 | ) |  | — |  |  | (575 | ) |  | (543 | ) |  | (124 | ) |  | (2,216 | )
Recoveries | 137 |  |  | 67 |  |  | 145 |  |  | 72 |  |  | 27 |  |  | 448 |
Net (charge-offs) recoveries | (837 | ) |  | 67 |  |  | (430 | ) |  | (471 | ) |  | (97 | ) |  | (1,768 | )
Provision for loan losses charged to operations | 938 |  |  | 161 |  |  | 439 |  |  | 481 |  |  | 131 |  |  | 2,150 |
Ending balance | $ | 5,193 |  |  | $ | 2,808 |  |  | $ | 12,113 |  |  | $ | 22,610 |  |  | $ | 1,807 |  |  | $ | 44,531 |
| Commercial |  | Real Estate - Construction |  | Real Estate - 1-4 Family Mortgage |  | Real Estate - Commercial Mortgage |  | Installment and Other(1) |  | Total
Nine Months Ended September 30, 2017 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,486 |  |  | $ | 2,380 |  |  | $ | 14,294 |  |  | $ | 19,059 |  |  | $ | 1,518 |  |  | $ | 42,737 |
Charge-offs | (2,110 | ) |  | — |  |  | (1,401 | ) |  | (1,204 | ) |  | (513 | ) |  | (5,228 | )
Recoveries | 258 |  |  | 101 |  |  | 291 |  |  | 884 |  |  | 88 |  |  | 1,622 |
Net (charge-offs) recoveries | (1,852 | ) |  | 101 |  |  | (1,110 | ) |  | (320 | ) |  | (425 | ) |  | (3,606 | )
Provision for loan losses charged to operations | 1,559 |  |  | 327 |  |  | (1,071 | ) |  | 3,871 |  |  | 714 |  |  | 5,400 |
Ending balance | $ | 5,193 |  |  | $ | 2,808 |  |  | $ | 12,113 |  |  | $ | 22,610 |  |  | $ | 1,807 |  |  | $ | 44,531 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 96 |  |  | $ | 9 |  |  | $ | 855 |  |  | $ | 1,963 |  |  | $ | 5 |  |  | $ | 2,928 |
Collectively evaluated for impairment | 4,772 |  |  | 2,799 |  |  | 10,644 |  |  | 19,662 |  |  | 1,801 |  |  | 39,678 |
Purchased with deteriorated credit quality | 325 |  |  | — |  |  | 614 |  |  | 985 |  |  | 1 |  |  | 1,925 |
Ending balance | $ | 5,193 |  |  | $ | 2,808 |  |  | $ | 12,113 |  |  | $ | 22,610 |  |  | $ | 1,807 |  |  | $ | 44,531 |
(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 Brand as of the September 1, 2018 acquisition date.
At acquisition date: |  | September 1, 2018
Contractually-required principal and interest |  | $ | 1,625,137 |
Nonaccretable difference |  | (120,033 | )
Cash flows expected to be collected |  | 1,505,104 |
Accretable yield |  | (169,631 | )
Fair value |  | $ | 1,335,473 |
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
September 30, 2018 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 2,282 |  |  | $ | 10,245 |  |  | $ | 12,445 |  |  | $ | 7,720 |  |  | $ | 356 |  |  | $ | 33,048 |
Collectively evaluated for impairment | 1,278,423 |  |  | 726,740 |  |  | 2,701,045 |  |  | 3,959,612 |  |  | 191,976 |  |  | 8,857,796 |
Purchased with deteriorated credit quality | 32,639 |  |  | — |  |  | 49,193 |  |  | 145,253 |  |  | 4,978 |  |  | 232,063 |
Ending balance | $ | 1,313,344 |  |  | $ | 736,985 |  |  | $ | 2,762,683 |  |  | $ | 4,112,585 |  |  | $ | 197,310 |  |  | $ | 9,122,907 |
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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