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v3.19.3.a.u2

Allowance for Loan Losses (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 |
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
Year Ended December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 8,269 |  |  | $ | 4,755 |  |  | $ | 10,139 |  |  | $ | 24,492 |  |  | $ | 1,371 |  |  | $ | 49,026 |
Charge-offs | (2,681 | ) |  | — |  |  | (1,602 | ) |  | (1,490 | ) |  | (7,705 | ) |  | (13,478 | )
Recoveries | 1,428 |  |  | 21 |  |  | 712 |  |  | 689 |  |  | 6,714 |  |  | 9,564 |
Net charge-offs | (1,253 | ) |  | 21 |  |  | (890 | ) |  | (801 | ) |  | (991 | ) |  | (3,914 | )
Provision for loan losses | 3,642 |  |  | 253 |  |  | 565 |  |  | 1,299 |  |  | 1,291 |  |  | 7,050 |
Ending balance | $ | 10,658 |  |  | $ | 5,029 |  |  | $ | 9,814 |  |  | $ | 24,990 |  |  | $ | 1,671 |  |  | $ | 52,162 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 1,434 |  |  | $ | 16 |  |  | $ | 160 |  |  | $ | 396 |  |  | $ | 6 |  |  | $ | 2,012 |
Collectively evaluated for impairment | 8,932 |  |  | 5,013 |  |  | 9,363 |  |  | 23,208 |  |  | 1,663 |  |  | 48,179 |
Purchased with deteriorated credit quality | 292 |  |  | — |  |  | 291 |  |  | 1,386 |  |  | 2 |  |  | 1,971 |
Ending balance | $ | 10,658 |  |  | $ | 5,029 |  |  | $ | 9,814 |  |  | $ | 24,990 |  |  | $ | 1,671 |  |  | $ | 52,162 |
Year Ended December 31, 2018 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,542 |  |  | $ | 3,428 |  |  | $ | 12,009 |  |  | $ | 23,384 |  |  | $ | 1,848 |  |  | $ | 46,211 |
Charge-offs | (2,415 | ) |  | (51 | ) |  | (2,023 | ) |  | (1,197 | ) |  | (742 | ) |  | (6,428 | )
Recoveries | 618 |  |  | 13 |  |  | 573 |  |  | 1,108 |  |  | 121 |  |  | 2,433 |
Net charge-offs | (1,797 | ) |  | (38 | ) |  | (1,450 | ) |  | (89 | ) |  | (621 | ) |  | (3,995 | )
Provision for loan losses | 4,524 |  |  | 1,365 |  |  | (420 | ) |  | 1,197 |  |  | 144 |  |  | 6,810 |
Ending balance | $ | 8,269 |  |  | $ | 4,755 |  |  | $ | 10,139 |  |  | $ | 24,492 |  |  | $ | 1,371 |  |  | $ | 49,026 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 336 |  |  | $ | 68 |  |  | $ | 79 |  |  | $ | 1,027 |  |  | $ | 4 |  |  | $ | 1,514 |
Collectively evaluated for impairment | 7,772 |  |  | 4,687 |  |  | 9,572 |  |  | 21,564 |  |  | 1,365 |  |  | 44,960 |
Purchased with deteriorated credit quality | 161 |  |  | — |  |  | 488 |  |  | 1,901 |  |  | 2 |  |  | 2,552 |
Ending balance | $ | 8,269 |  |  | $ | 4,755 |  |  | $ | 10,139 |  |  | $ | 24,492 |  |  | $ | 1,371 |  |  | $ | 49,026 |
Year Ended December 31, 2017 |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 5,486 |  |  | $ | 2,380 |  |  | $ | 14,294 |  |  | $ | 19,059 |  |  | $ | 1,518 |  |  | $ | 42,737 |
Charge-offs | (2,874 | ) |  | — |  |  | (1,713 | ) |  | (1,791 | ) |  | (630 | ) |  | (7,008 | )
Recoveries | 422 |  |  | 105 |  |  | 733 |  |  | 1,565 |  |  | 107 |  |  | 2,932 |
Net charge-offs | (2,452 | ) |  | 105 |  |  | (980 | ) |  | (226 | ) |  | (523 | ) |  | (4,076 | )
Provision for loan losses | 2,508 |  |  | 943 |  |  | (1,305 | ) |  | 4,551 |  |  | 853 |  |  | 7,550 |
Ending balance | $ | 5,542 |  |  | $ | 3,428 |  |  | $ | 12,009 |  |  | $ | 23,384 |  |  | $ | 1,848 |  |  | $ | 46,211 |
Period-End Amount Allocated to: |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 190 |  |  | $ | 4 |  |  | $ | 606 |  |  | $ | 1,867 |  |  | $ | 7 |  |  | $ | 2,674 |
Collectively evaluated for impairment | 5,040 |  |  | 3,424 |  |  | 10,831 |  |  | 20,625 |  |  | 1,840 |  |  | 41,760 |
Purchased with deteriorated credit quality | 312 |  |  | — |  |  | 572 |  |  | 892 |  |  | 1 |  |  | 1,777 |
Ending balance | $ | 5,542 |  |  | $ | 3,428 |  |  | $ | 12,009 |  |  | $ | 23,384 |  |  | $ | 1,848 |  |  | $ | 46,211 |
(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 |  | $ | 1,625,079 |
Nonaccretable difference |  | (164,554 | )
Cash flows expected to be collected |  | 1,460,525 |
Accretable yield |  | (138,318 | )
Fair value |  | $ | 1,322,207 |
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
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 8,460 |  |  | $ | 12,416 |  |  | $ | 20,262 |  |  | $ | 9,550 |  |  | $ | 491 |  |  | $ | 51,179 |
Collectively evaluated for impairment | 1,329,974 |  |  | 813,204 |  |  | 2,810,808 |  |  | 4,131,582 |  |  | 380,627 |  |  | 9,466,195 |
Acquired with deteriorated credit quality | 29,538 |  |  | 863 |  |  | 35,543 |  |  | 103,133 |  |  | 3,187 |  |  | 172,264 |
Ending balance | $ | 1,367,972 |  |  | $ | 826,483 |  |  | $ | 2,866,613 |  |  | $ | 4,244,265 |  |  | $ | 384,305 |  |  | $ | 9,689,638 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 2,445 |  |  | $ | 10,043 |  |  | $ | 14,238 |  |  | $ | 8,059 |  |  | $ | 493 |  |  | $ | 35,278 |
Collectively evaluated for impairment | 1,264,324 |  |  | 730,625 |  |  | 2,732,862 |  |  | 3,903,012 |  |  | 194,774 |  |  | 8,825,597 |
Acquired with deteriorated credit quality | 29,143 |  |  | — |  |  | 48,243 |  |  | 140,438 |  |  | 4,430 |  |  | 222,254 |
Ending balance | $ | 1,295,912 |  |  | $ | 740,668 |  |  | $ | 2,795,343 |  |  | $ | 4,051,509 |  |  | $ | 199,697 |  |  | $ | 9,083,129 |
(1) Includes lease financing receivables.

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