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Non Purchased Loans (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Summary of loans | The following is a summary of non purchased loans and leases at December 31:
| 2019 |  | 2018
Commercial, financial, agricultural | $ | 1,052,353 |  |  | $ | 875,649 |
Lease financing | 85,700 |  |  | 64,992 |
Real estate – construction | 774,901 |  |  | 635,519 |
Real estate – 1-4 family mortgage | 2,350,126 |  |  | 2,087,890 |
Real estate – commercial mortgage | 3,128,876 |  |  | 2,628,365 |
Installment loans to individuals | 199,843 |  |  | 100,424 |
Gross loans | 7,591,799 |  |  | 6,392,839 |
Unearned income | (3,825 | ) |  | (3,127 | )
Loans, net of unearned income | $ | 7,587,974 |  |  | $ | 6,389,712 |
The following is a summary of purchased loans at December 31:
| 2019 |  | 2018
Commercial, financial, agricultural | $ | 315,619 |  |  | $ | 420,263 |
Lease financing | — |  |  | — |
Real estate – construction | 51,582 |  |  | 105,149 |
Real estate – 1-4 family mortgage | 516,487 |  |  | 707,453 |
Real estate – commercial mortgage | 1,115,389 |  |  | 1,423,144 |
Installment loans to individuals | 102,587 |  |  | 37,408 |
Gross loans | 2,101,664 |  |  | 2,693,417 |
Unearned income | — |  |  | — |
Loans, net of unearned income | $ | 2,101,664 |  |  | $ | 2,693,417 |
The following is a summary of non purchased and purchased loans and leases at December 31:
| 2019 |  | 2018
Commercial, financial, agricultural | $ | 1,367,972 |  |  | $ | 1,295,912 |
Lease financing | 85,700 |  |  | 64,992 |
Real estate – construction | 826,483 |  |  | 740,668 |
Real estate – 1-4 family mortgage | 2,866,613 |  |  | 2,795,343 |
Real estate – commercial mortgage | 4,244,265 |  |  | 4,051,509 |
Installment loans to individuals | 302,430 |  |  | 137,832 |
Gross loans | 9,693,463 |  |  | 9,086,256 |
Unearned income | (3,825 | ) |  | (3,127 | )
Loans, net of unearned income | 9,689,638 |  |  | 9,083,129 |
Allowance for loan losses | (52,162 | ) |  | (49,026 | )
Net loans | $ | 9,637,476 |  |  | $ | 9,034,103 |
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
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 605 |  |  | $ | 476 |  |  | $ | 1,045,802 |  |  | $ | 1,046,883 |  |  | $ | 387 |  |  | $ | 5,023 |  |  | $ | 60 |  |  | $ | 5,470 |  |  | $ | 1,052,353 |
Lease financing | — |  |  | — |  |  | 85,474 |  |  | 85,474 |  |  | — |  |  | 226 |  |  | — |  |  | 226 |  |  | 85,700 |
Real estate – construction | 794 |  |  | — |  |  | 774,107 |  |  | 774,901 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 774,901 |
Real estate – 1-4 family mortgage | 18,020 |  |  | 2,502 |  |  | 2,320,328 |  |  | 2,340,850 |  |  | 623 |  |  | 6,571 |  |  | 2,082 |  |  | 9,276 |  |  | 2,350,126 |
Real estate – commercial mortgage | 2,362 |  |  | 276 |  |  | 3,119,785 |  |  | 3,122,423 |  |  | 372 |  |  | 4,655 |  |  | 1,426 |  |  | 6,453 |  |  | 3,128,876 |
Installment loans to individuals | 1,000 |  |  | 204 |  |  | 198,555 |  |  | 199,759 |  |  | — |  |  | 17 |  |  | 67 |  |  | 84 |  |  | 199,843 |
Unearned income | — |  |  | — |  |  | (3,825 | ) |  | (3,825 | ) |  | — |  |  | — |  |  | — |  |  | — |  |  | (3,825 | )
Total | $ | 22,781 |  |  | $ | 3,458 |  |  | $ | 7,540,226 |  |  | $ | 7,566,465 |  |  | $ | 1,382 |  |  | $ | 16,492 |  |  | $ | 3,635 |  |  | $ | 21,509 |  |  | $ | 7,587,974 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 3,397 |  |  | $ | 267 |  |  | $ | 870,457 |  |  | $ | 874,121 |  |  | $ | — |  |  | $ | 1,356 |  |  | $ | 172 |  |  | $ | 1,528 |  |  | $ | 875,649 |
Lease financing | 607 |  |  | 89 |  |  | 64,296 |  |  | 64,992 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 64,992 |
Real estate – construction | 887 |  |  | — |  |  | 634,632 |  |  | 635,519 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 635,519 |
Real estate – 1-4 family mortgage | 10,378 |  |  | 2,151 |  |  | 2,071,401 |  |  | 2,083,930 |  |  | 238 |  |  | 2,676 |  |  | 1,046 |  |  | 3,960 |  |  | 2,087,890 |
Real estate – commercial mortgage | 1,880 |  |  | 13 |  |  | 2,621,902 |  |  | 2,623,795 |  |  | — |  |  | 2,974 |  |  | 1,596 |  |  | 4,570 |  |  | 2,628,365 |
Installment loans to individuals | 368 |  |  | 165 |  |  | 99,731 |  |  | 100,264 |  |  | 3 |  |  | 157 |  |  | — |  |  | 160 |  |  | 100,424 |
Unearned income | — |  |  | — |  |  | (3,127 | ) |  | (3,127 | ) |  | — |  |  | — |  |  | — |  |  | — |  |  | (3,127 | )
Total | $ | 17,517 |  |  | $ | 2,685 |  |  | $ | 6,359,292 |  |  | $ | 6,379,494 |  |  | $ | 241 |  |  | $ | 7,163 |  |  | $ | 2,814 |  |  | $ | 10,218 |  |  | $ | 6,389,712 |
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
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 1,889 |  |  | $ | 998 |  |  | $ | 311,218 |  |  | $ | 314,105 |  |  | $ | — |  |  | $ | 1,246 |  |  | $ | 268 |  |  | $ | 1,514 |  |  | $ | 315,619 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 319 |  |  | — |  |  | 51,263 |  |  | 51,582 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 51,582 |
Real estate – 1-4 family mortgage | 5,516 |  |  | 2,244 |  |  | 503,826 |  |  | 511,586 |  |  | 605 |  |  | 2,762 |  |  | 1,534 |  |  | 4,901 |  |  | 516,487 |
Real estate – commercial mortgage | 3,454 |  |  | 922 |  |  | 1,110,570 |  |  | 1,114,946 |  |  | — |  |  | 123 |  |  | 320 |  |  | 443 |  |  | 1,115,389 |
Installment loans to individuals | 3,709 |  |  | 153 |  |  | 98,545 |  |  | 102,407 |  |  | 1 |  |  | 51 |  |  | 128 |  |  | 180 |  |  | 102,587 |
Unearned income | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 14,887 |  |  | $ | 4,317 |  |  | $ | 2,075,422 |  |  | $ | 2,094,626 |  |  | $ | 606 |  |  | $ | 4,182 |  |  | $ | 2,250 |  |  | $ | 7,038 |  |  | $ | 2,101,664 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 1,811 |  |  | $ | 97 |  |  | $ | 417,786 |  |  | $ | 419,694 |  |  | $ | — |  |  | $ | 477 |  |  | $ | 92 |  |  | $ | 569 |  |  | $ | 420,263 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 1,235 |  |  | 68 |  |  | 103,846 |  |  | 105,149 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 105,149 |
Real estate – 1-4 family mortgage | 8,981 |  |  | 4,455 |  |  | 690,697 |  |  | 704,133 |  |  | 202 |  |  | 1,881 |  |  | 1,237 |  |  | 3,320 |  |  | 707,453 |
Real estate – commercial mortgage | 5,711 |  |  | 2,410 |  |  | 1,413,346 |  |  | 1,421,467 |  |  | — |  |  | 1,401 |  |  | 276 |  |  | 1,677 |  |  | 1,423,144 |
Installment loans to individuals | 1,342 |  |  | 202 |  |  | 35,594 |  |  | 37,138 |  |  | 2 |  |  | 24 |  |  | 244 |  |  | 270 |  |  | 37,408 |
Unearned income | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 19,080 |  |  | $ | 7,232 |  |  | $ | 2,661,269 |  |  | $ | 2,687,581 |  |  | $ | 204 |  |  | $ | 3,783 |  |  | $ | 1,849 |  |  | $ | 5,836 |  |  | $ | 2,693,417 |
Impaired loans | Impaired loans recognized in conformity with ASC 310, segregated by class, were as follows as of the dates and for the periods presented:
| As of December 31, 2019 |  | Year Ended December 31, 2019
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With a related allowance recorded: |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 5,722 |  |  | $ | 6,623 |  |  | $ | 1,222 |  |  | $ | 6,787 |  |  | $ | 30 |
Lease financing | 226 |  |  | 226 |  |  | 3 |  |  | 231 |  |  | — |
Real estate – construction | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – 1-4 family mortgage | 13,689 |  |  | 14,018 |  |  | 143 |  |  | 14,364 |  |  | 200 |
Real estate – commercial mortgage | 7,361 |  |  | 8,307 |  |  | 390 |  |  | 7,034 |  |  | 120 |
Installment loans to individuals | 84 |  |  | 91 |  |  | 1 |  |  | 97 |  |  | 2 |
Total | $ | 27,082 |  |  | $ | 29,265 |  |  | $ | 1,759 |  |  | $ | 28,513 |  |  | $ | 352 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 9,145 |  |  | 9,145 |  |  | — |  |  | 8,516 |  |  | 438 |
Real estate – 1-4 family mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – commercial mortgage | 1,080 |  |  | 2,760 |  |  | — |  |  | 1,159 |  |  | 33 |
Installment loans to individuals | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 10,225 |  |  | $ | 11,905 |  |  | $ | — |  |  | $ | 9,675 |  |  | $ | 471 |
Totals | $ | 37,307 |  |  | $ | 41,170 |  |  | $ | 1,759 |  |  | $ | 38,188 |  |  | $ | 823 |
| As of December 31, 2018 |  | Year Ended December 31, 2018
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With a related allowance recorded: |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 1,834 |  |  | $ | 2,280 |  |  | $ | 163 |  |  | $ | 2,079 |  |  | $ | 35 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 7,302 |  |  | 7,302 |  |  | 63 |  |  | 7,180 |  |  | 162 |
Real estate – 1-4 family mortgage | 9,077 |  |  | 9,767 |  |  | 61 |  |  | 9,212 |  |  | 191 |
Real estate – commercial mortgage | 4,609 |  |  | 5,765 |  |  | 689 |  |  | 4,889 |  |  | 72 |
Installment loans to individuals | 223 |  |  | 232 |  |  | 1 |  |  | 239 |  |  | 2 |
Total | $ | 23,045 |  |  | $ | 25,346 |  |  | $ | 977 |  |  | $ | 23,599 |  |  | $ | 462 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 2,165 |  |  | 2,165 |  |  | — |  |  | 2,165 |  |  | 55 |
Real estate – 1-4 family mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – commercial mortgage | 1,238 |  |  | 2,860 |  |  | — |  |  | 1,316 |  |  | 32 |
Installment loans to individuals | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 3,403 |  |  | $ | 5,025 |  |  | $ | — |  |  | $ | 3,481 |  |  | $ | 87 |
Totals | $ | 26,448 |  |  | $ | 30,371 |  |  | $ | 977 |  |  | $ | 27,080 |  |  | $ | 549 |
Non credit deteriorated loans that were subsequently impaired and recognized in conformity with ASC 310, segregated by class, were as follows as of the dates and for the periods presented:
| As of December 31, 2019 |  | Year Ended December 31, 2019
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With a related allowance recorded: |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 1,837 |  |  | $ | 2,074 |  |  | $ | 212 |  |  | $ | 1,700 |  |  | $ | 8 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 2,499 |  |  | 2,490 |  |  | 16 |  |  | 2,386 |  |  | 3 |
Real estate – 1-4 family mortgage | 2,801 |  |  | 2,914 |  |  | 17 |  |  | 2,900 |  |  | 41 |
Real estate – commercial mortgage | 981 |  |  | 1,017 |  |  | 6 |  |  | 1,031 |  |  | 40 |
Installment loans to individuals | 110 |  |  | 110 |  |  | 2 |  |  | 96 |  |  | — |
Total | $ | 8,228 |  |  | $ | 8,605 |  |  | $ | 253 |  |  | $ | 8,113 |  |  | $ | 92 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 901 |  |  | $ | 905 |  |  | $ | — |  |  | $ | 912 |  |  | $ | — |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 772 |  |  | 779 |  |  | — |  |  | 770 |  |  | — |
Real estate – 1-4 family mortgage | 3,772 |  |  | 4,550 |  |  | — |  |  | 4,134 |  |  | 73 |
Real estate – commercial mortgage | 128 |  |  | 131 |  |  | — |  |  | 137 |  |  | 7 |
Installment loans to individuals | 71 |  |  | 92 |  |  | — |  |  | 85 |  |  | — |
Total | $ | 5,644 |  |  | $ | 6,457 |  |  | $ | — |  |  | $ | 6,038 |  |  | $ | 80 |
Totals | $ | 13,872 |  |  | $ | 15,062 |  |  | $ | 253 |  |  | $ | 14,151 |  |  | $ | 172 |
| As of December 31, 2018 |  | Year Ended December 31, 2018
| Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
With a related allowance recorded: |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 600 |  |  | $ | 658 |  |  | $ | 173 |  |  | $ | 614 |  |  | $ | 10 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | 576 |  |  | 576 |  |  | 5 |  |  | 576 |  |  | 6 |
Real estate – 1-4 family mortgage | 1,381 |  |  | 1,404 |  |  | 18 |  |  | 1,362 |  |  | 18 |
Real estate – commercial mortgage | 2,066 |  |  | 2,116 |  |  | 338 |  |  | 2,011 |  |  | 40 |
Installment loans to individuals | 246 |  |  | 247 |  |  | 3 |  |  | 247 |  |  | 1 |
Total | $ | 4,869 |  |  | $ | 5,001 |  |  | $ | 537 |  |  | $ | 4,810 |  |  | $ | 75 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 11 |  |  | $ | 13 |  |  | $ | — |  |  | $ | 13 |  |  | $ | 1 |
Lease financing | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – construction | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – 1-4 family mortgage | 3,780 |  |  | 4,383 |  |  | — |  |  | 4,407 |  |  | 111 |
Real estate – commercial mortgage | 146 |  |  | 150 |  |  | — |  |  | 159 |  |  | 7 |
Installment loans to individuals | 24 |  |  | 33 |  |  | — |  |  | 7 |  |  | — |
Total | $ | 3,961 |  |  | $ | 4,579 |  |  | $ | — |  |  | $ | 4,586 |  |  | $ | 119 |
Totals | $ | 8,830 |  |  | $ | 9,580 |  |  | $ | 537 |  |  | $ | 9,396 |  |  | $ | 194 |
Restructured loans | The following table illustrates the impact of modifications classified as restructured loans held on the Consolidated Balance Sheets and still performing in accordance with their restructured terms at period end, segregated by class, as of the periods presented.
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
December 31, 2019 |  |  |  |  |
Commercial, financial, agricultural | 2 |  |  | $ | 187 |  |  | $ | 185 |
Real estate – 1-4 family mortgage | 5 |  |  | 460 |  |  | 459 |
Total | 7 |  |  | $ | 647 |  |  | $ | 644 |
December 31, 2018 |  |  |  |  |
Real estate – 1-4 family mortgage | 9 |  |  | $ | 1,764 |  |  | $ | 1,763 |
Real estate – commercial mortgage | 2 |  |  | 94 |  |  | 89 |
Total | 11 |  |  | $ | 1,858 |  |  | $ | 1,852 |
December 31, 2017 |  |  |  |  |
Commercial, financial, agricultural | 2 |  |  | $ | 331 |  |  | $ | 330 |
Real estate – 1-4 family mortgage | 8 |  |  | 598 |  |  | 586 |
Real estate – commercial mortgage | 3 |  |  | 683 |  |  | 313 |
Installment loans to individuals | 1 |  |  | 4 |  |  | 3 |
Total | 14 |  |  | $ | 1,616 |  |  | $ | 1,232 |
The following table illustrates the impact of modifications classified as restructured loans held on the Consolidated Balance Sheets and still performing in accordance with their restructured terms at period end, segregated by class, as of the periods presented.
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment
December 31, 2019 |  |  |  |  |
Commercial, financial, agricultural | 2 |  |  | $ | 2,778 |  |  | $ | 2,778 |
Real estate – 1-4 family mortgage | 2 |  |  | 73 |  |  | 73 |
Real estate – commercial mortgage | 1 |  |  | 80 |  |  | 76 |
Total | 5 |  |  | $ | 2,931 |  |  | $ | 2,927 |
December 31, 2018 |  |  |  |  |
Commercial, financial, agricultural | 1 |  |  | $ | 48 |  |  | $ | 44 |
Real estate – 1-4 family mortgage | 2 |  |  | 142 |  |  | 127 |
Real estate – commercial mortgage | 2 |  |  | 522 |  |  | 381 |
Total | 5 |  |  | $ | 712 |  |  | $ | 552 |
December 31, 2017 |  |  |  |  |
Real estate – 1-4 family mortgage | 23 |  |  | 3,744 |  |  | 3,127 |
Real estate – commercial mortgage | 5 |  |  | 3,115 |  |  | 2,231 |
Total | 28 |  |  | $ | 6,859 |  |  | $ | 5,358 |
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, 2018 | 54 |  |  | $ | 5,588 |
Additional advances or loans with concessions | 11 |  |  | 1,861 |
Reclassified as performing | 3 |  |  | 295 |
Reductions due to: |  |  |
Reclassified as nonperforming | (8 | ) |  | (639 | )
Paid in full | (9 | ) |  | (1,556 | )
Principal paydowns | — |  |  | (224 | )
Totals at December 31, 2018 | 51 |  |  | $ | 5,325 |
Additional advances or loans with concessions | 7 |  |  | 661 |
Reclassified as performing | 5 |  |  | 252 |
Reductions due to: |  |  |
Reclassified as nonperforming | (9 | ) |  | (808 | )
Paid in full | (8 | ) |  | (581 | )
Principal paydowns | — |  |  | (170 | )
Totals at December 31, 2019 | 46 |  |  | $ | 4,679 |
During the years ended December 31, 2019, 2018 and 2017, the Company had $101, $5 and $212, respectively, in troubled debt restructurings that subsequently defaulted within twelve months of the restructuring. Changes in the Company’s restructured loans are set forth in the table below.
| Number of Loans |  | Recorded Investment
Totals at January 1, 2018 | 72 |  |  | $ | 8,965 |
Additional advances or loans with concessions | 5 |  |  | 712 |
Reclassified from nonperforming | 4 |  |  | 435 |
Reductions due to: |  |  |
Reclassified as nonperforming | (13 | ) |  | (1,229 | )
Paid in full | (14 | ) |  | (744 | )
Principal paydowns | — |  |  | (644 | )
Totals at December 31, 2018 | 54 |  |  | $ | 7,495 |
Additional advances or loans with concessions | 5 |  |  | 3,168 |
Reclassified from nonperforming | 14 |  |  | 1,931 |
Reductions due to: |  |  |
Reclassified as nonperforming | (11 | ) |  | (1,964 | )
Paid in full | (7 | ) |  | (370 | )
Charge-offs | (1 | ) |  | (101 | )
Principal paydowns | — |  |  | (508 | )
Measurement period adjustment on recently acquired loans | — |  |  | (2,376 | )
Totals at December 31, 2019 | 54 |  |  | $ | 7,275 |
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
December 31, 2019 |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 779,798 |  |  | $ | 11,949 |  |  | $ | 11,715 |  |  | $ | 803,462 |
Real estate – construction | 698,950 |  |  | 501 |  |  | 9,209 |  |  | 708,660 |
Real estate – 1-4 family mortgage | 339,079 |  |  | 3,856 |  |  | 3,572 |  |  | 346,507 |
Real estate – commercial mortgage | 2,737,629 |  |  | 31,867 |  |  | 26,711 |  |  | 2,796,207 |
Installment loans to individuals | 6 |  |  | — |  |  | — |  |  | 6 |
Total | $ | 4,555,462 |  |  | $ | 48,173 |  |  | $ | 51,207 |  |  | $ | 4,654,842 |
December 31, 2018 |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 615,803 |  |  | $ | 18,326 |  |  | $ | 6,973 |  |  | $ | 641,102 |
Real estate – construction | 558,494 |  |  | 2,317 |  |  | 8,157 |  |  | 568,968 |
Real estate – 1-4 family mortgage | 321,564 |  |  | 4,660 |  |  | 4,260 |  |  | 330,484 |
Real estate – commercial mortgage | 2,210,100 |  |  | 54,579 |  |  | 24,144 |  |  | 2,288,823 |
Installment loans to individuals | — |  |  | — |  |  | — |  |  | — |
Total | $ | 3,705,961 |  |  | $ | 79,882 |  |  | $ | 43,534 |  |  | $ | 3,829,377 |
The following table presents the Company’s loan portfolio by risk-rating grades as of the dates presented:
| Pass |  | Watch |  | Substandard |  | Total
December 31, 2019 |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 259,760 |  |  | $ | 7,166 |  |  | $ | 5,220 |  |  | $ | 272,146 |
Real estate – construction | 48,994 |  |  | — |  |  | — |  |  | 48,994 |
Real estate – 1-4 family mortgage | 78,105 |  |  | 791 |  |  | 3,935 |  |  | 82,831 |
Real estate – commercial mortgage | 909,513 |  |  | 56,334 |  |  | 15,835 |  |  | 981,682 |
Installment loans to individuals | — |  |  | — |  |  | — |  |  | — |
Total | $ | 1,296,372 |  |  | $ | 64,291 |  |  | $ | 24,990 |  |  | $ | 1,385,653 |
December 31, 2018 |  |  |  |  |  |  |
Commercial, financial, agricultural | $ | 333,147 |  |  | $ | 33,857 |  |  | $ | 2,744 |  |  | $ | 369,748 |
Real estate – construction | 101,122 |  |  | — |  |  | 842 |  |  | 101,964 |
Real estate – 1-4 family mortgage | 113,874 |  |  | 7,347 |  |  | 7,585 |  |  | 128,806 |
Real estate – commercial mortgage | 1,198,540 |  |  | 43,046 |  |  | 9,984 |  |  | 1,251,570 |
Installment loans to individuals | — |  |  | — |  |  | 2 |  |  | 2 |
Total | $ | 1,746,683 |  |  | $ | 84,250 |  |  | $ | 21,157 |  |  | $ | 1,852,090 |
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
December 31, 2019 |  |  |  |  |
Commercial, financial, agricultural | $ | 247,575 |  |  | $ | 1,316 |  |  | $ | 248,891 |
Lease financing | 81,649 |  |  | 226 |  |  | 81,875 |
Real estate – construction | 66,241 |  |  | — |  |  | 66,241 |
Real estate – 1-4 family mortgage | 1,992,331 |  |  | 11,288 |  |  | 2,003,619 |
Real estate – commercial mortgage | 330,714 |  |  | 1,955 |  |  | 332,669 |
Installment loans to individuals | 199,549 |  |  | 288 |  |  | 199,837 |
Total | $ | 2,918,059 |  |  | $ | 15,073 |  |  | $ | 2,933,132 |
December 31, 2018 |  |  |  |  |
Commercial, financial, agricultural | $ | 233,046 |  |  | $ | 1,501 |  |  | $ | 234,547 |
Lease financing | 61,776 |  |  | 89 |  |  | 61,865 |
Real estate – construction | 66,551 |  |  | — |  |  | 66,551 |
Real estate – 1-4 family mortgage | 1,751,994 |  |  | 5,412 |  |  | 1,757,406 |
Real estate – commercial mortgage | 338,367 |  |  | 1,175 |  |  | 339,542 |
Installment loans to individuals | 100,099 |  |  | 325 |  |  | 100,424 |
Total | $ | 2,551,833 |  |  | $ | 8,502 |  |  | $ | 2,560,335 |
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
December 31, 2019 |  |  |  |  |
Commercial, financial, agricultural | $ | 13,935 |  |  | $ | — |  |  | $ | 13,935 |
Lease financing | — |  |  | — |  |  | — |
Real estate – construction | 1,725 |  |  | — |  |  | 1,725 |
Real estate – 1-4 family mortgage | 394,476 |  |  | 3,638 |  |  | 398,114 |
Real estate – commercial mortgage | 30,472 |  |  | 101 |  |  | 30,573 |
Installment loans to individuals | 99,139 |  |  | 261 |  |  | 99,400 |
Total | $ | 539,747 |  |  | $ | 4,000 |  |  | $ | 543,747 |
December 31, 2018 |  |  |  |  |
Commercial, financial, agricultural | $ | 21,303 |  |  | $ | 69 |  |  | $ | 21,372 |
Lease financing | — |  |  | — |  |  | — |
Real estate – construction | 3,185 |  |  | — |  |  | 3,185 |
Real estate – 1-4 family mortgage | 526,699 |  |  | 3,705 |  |  | 530,404 |
Real estate – commercial mortgage | 30,951 |  |  | 185 |  |  | 31,136 |
Installment loans to individuals | 32,676 |  |  | 300 |  |  | 32,976 |
Total | $ | 614,814 |  |  | $ | 4,259 |  |  | $ | 619,073 |
Related party loans | A summary of the changes in related party loans follows:
Loans at December 31, 2018 | $ | 22,225 |
New loans and advances | 5,378 |
Payments received | (1,723 | )
Changes in related parties | 36 |
Loans at December 31, 2019 | $ | 25,916 |

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