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Loans and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2012
Outstanding Balances of Loan | The following table provides outstanding balances related to each of our loan types:
|  | September 30, 2012 |  |  | December 31, 2011 |
|  | (dollars in thousands) |
Commercial, financial, agricultural and other |  | $ | 1,087,019 |  |  | $ | 996,739 |
Real estate construction |  |  | 95,425 |  |  |  | 76,564 |
Residential real estate |  |  | 1,228,328 |  |  |  | 1,137,059 |
Commercial real estate |  |  | 1,217,249 |  |  |  | 1,267,432 |
Loans to individuals |  |  | 586,278 |  |  |  | 565,849 |
Total loans and leases net of unearned income |  |  | 4,214,299 |  |  | $ | 4,043,643 |
Credit Risk Profile by Creditworthiness | The following tables represent our credit risk profile by creditworthiness:
|  | September 30, 2012 |
|  | Commercial, financial, agricultural and other |  |  | Real estate construction |  |  | Residential real estate |  |  | Commercial real estate |  |  | Loans to individuals |  |  | Total |
|  | (dollars in thousands) |
Pass |  | $ | 987,376 |  |  | $ | 71,995 |  |  | $ | 1,212,272 |  |  | $ | 1,087,424 |  |  | $ | 586,191 |  |  | $ | 3,945,258 |
Non-Pass |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
OAEM |  |  | 27,334 |  |  |  | 939 |  |  |  | 5,568 |  |  |  | 63,563 |  |  |  | 3 |  |  |  | 97,407 |
Substandard |  |  | 72,309 |  |  |  | 18,205 |  |  |  | 10,488 |  |  |  | 66,262 |  |  |  | 84 |  |  |  | 167,348 |
Doubtful |  |  | 0 |  |  |  | 4,286 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 4,286 |
Total Non-Pass |  |  | 99,643 |  |  |  | 23,430 |  |  |  | 16,056 |  |  |  | 129,825 |  |  |  | 87 |  |  |  | 269,041 |
Total |  | $ | 1,087,019 |  |  | $ | 95,425 |  |  | $ | 1,228,328 |  |  | $ | 1,217,249 |  |  | $ | 586,278 |  |  | $ | 4,214,299 |
|  | December 31, 2011 |
|  | Commercial, financial, agricultural and other |  |  | Real estate construction |  |  | Residential real estate |  |  | Commercial real estate |  |  | Loans to individuals |  |  | Total |
|  | (dollars in thousands) |
Pass |  | $ | 904,057 |  |  | $ | 44,914 |  |  | $ | 1,126,143 |  |  | $ | 1,110,664 |  |  | $ | 565,842 |  |  | $ | 3,751,620 |
Non-Pass |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
OAEM |  |  | 27,627 |  |  |  | 4,238 |  |  |  | 5,484 |  |  |  | 61,855 |  |  |  | 7 |  |  |  | 99,211 |
Substandard |  |  | 60,114 |  |  |  | 21,701 |  |  |  | 5,432 |  |  |  | 94,913 |  |  |  | 0 |  |  |  | 182,160 |
Doubtful |  |  | 4,941 |  |  |  | 5,711 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 10,652 |
Total Non-Pass |  |  | 92,682 |  |  |  | 31,650 |  |  |  | 10,916 |  |  |  | 156,768 |  |  |  | 7 |  |  |  | 292,023 |
Total |  | $ | 996,739 |  |  | $ | 76,564 |  |  | $ | 1,137,059 |  |  | $ | 1,267,432 |  |  | $ | 565,849 |  |  | $ | 4,043,643 |
Age Analysis of Past Due Loans by Segment | The following tables delineate the aging analysis of the recorded investments in past due loans as of September 30, 2012 and December 31, 2011. Also included in these tables are loans that are 90 days or more past due and still accruing because they are well-secured and in the process of collection.
|  | September 30, 2012 |
|  | 30 - 59 days past due |  |  | 60 - 89 days past due |  |  | 90 days and greater and still accruing |  |  | Nonaccrual |  |  | Total past due and nonaccrual |  |  | Current |  |  | Total |
|  | (dollars in thousands) |
Commercial, financial, agricultural and other |  | $ | 1,440 |  |  | $ | 679 |  |  | $ | 221 |  |  | $ | 28,827 |  |  | $ | 31,167 |  |  | $ | 1,055,852 |  |  | $ | 1,087,019 |
Real estate construction |  |  | 235 |  |  |  | 0 |  |  |  | 152 |  |  |  | 11,569 |  |  |  | 11,956 |  |  |  | 83,469 |  |  |  | 95,425 |
Residential real estate |  |  | 7,642 |  |  |  | 1,986 |  |  |  | 1,277 |  |  |  | 8,910 |  |  |  | 19,815 |  |  |  | 1,208,513 |  |  |  | 1,228,328 |
Commercial real estate |  |  | 6,651 |  |  |  | 169 |  |  |  | 162 |  |  |  | 37,340 |  |  |  | 44,322 |  |  |  | 1,172,927 |  |  |  | 1,217,249 |
Loans to individuals |  |  | 2,684 |  |  |  | 820 |  |  |  | 1,186 |  |  |  | 84 |  |  |  | 4,774 |  |  |  | 581,504 |  |  |  | 586,278 |
Total |  | $ | 18,652 |  |  | $ | 3,654 |  |  | $ | 2,998 |  |  | $ | 86,730 |  |  | $ | 112,034 |  |  | $ | 4,102,265 |  |  | $ | 4,214,299 |
|  | December 31, 2011 |
|  | 30 - 59 days past due |  |  | 60 - 89 days past due |  |  | 90 days and greater and still accruing |  |  | Nonaccrual |  |  | Total past due and nonaccrual |  |  | Current |  |  | Total |
|  | (dollars in thousands) |
Commercial, financial, agricultural and other |  | $ | 5,433 |  |  | $ | 824 |  |  | $ | 287 |  |  | $ | 33,459 |  |  | $ | 40,003 |  |  | $ | 956,736 |  |  | $ | 996,739 |
Real estate construction |  |  | 0 |  |  |  | 180 |  |  |  | 0 |  |  |  | 14,911 |  |  |  | 15,091 |  |  |  | 61,473 |  |  |  | 76,564 |
Residential real estate |  |  | 7,144 |  |  |  | 2,100 |  |  |  | 8,767 |  |  |  | 3,153 |  |  |  | 21,164 |  |  |  | 1,115,895 |  |  |  | 1,137,059 |
Commercial real estate |  |  | 3,671 |  |  |  | 1,241 |  |  |  | 157 |  |  |  | 26,953 |  |  |  | 32,022 |  |  |  | 1,235,410 |  |  |  | 1,267,432 |
Loans to individuals |  |  | 2,952 |  |  |  | 962 |  |  |  | 1,804 |  |  |  | 0 |  |  |  | 5,718 |  |  |  | 560,131 |  |  |  | 565,849 |
Total |  | $ | 19,200 |  |  | $ | 5,307 |  |  | $ | 11,015 |  |  | $ | 78,476 |  |  | $ | 113,998 |  |  | $ | 3,929,645 |  |  | $ | 4,043,643 |
Recorded Investment and Unpaid Principal Balance for Impaired Loans with Associated Allowance | The following tables include the recorded investment and unpaid principal balance for impaired loans with the associated allowance amount, if applicable, as of September 30, 2012 and December 31, 2011. Also presented are the average recorded investment in impaired loans and the related amount of interest recognized while the loan was considered impaired. Average balances are calculated based on month-end balances of the loans of the period reported.
|  | September 30, 2012 |  |  | December 31, 2011 |
|  | Recorded investment |  |  | Unpaid principal balance |  |  | Related allowance |  |  | Recorded investment |  |  | Unpaid principal balance |  |  | Related allowance |
|  | (dollars in thousands) |
With no related .allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  | $ | 6,762 |  |  | $ | 7,716 |  |  | $ | 0 |  |  | $ | 2,010 |  |  | $ | 3,418 |  |  | $ | 0 |
Real estate construction |  |  | 4,087 |  |  |  | 7,424 |  |  |  | 0 |  |  |  | 10,814 |  |  |  | 20,161 |  |  |  | 0 |
Residential real estate |  |  | 7,087 |  |  |  | 7,556 |  |  |  | 0 |  |  |  | 3,125 |  |  |  | 3,513 |  |  |  | 0 |
Commercial real estate |  |  | 29,394 |  |  |  | 31,055 |  |  |  | 0 |  |  |  | 36,777 |  |  |  | 41,974 |  |  |  | 0 |
Loans to individuals |  |  | 84 |  |  |  | 84 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Subtotal |  |  | 47,414 |  |  |  | 53,835 |  |  |  | 0 |  |  |  | 52,726 |  |  |  | 69,066 |  |  |  | 0 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  |  | 26,719 |  |  |  | 27,558 |  |  |  | 7,306 |  |  |  | 34,056 |  |  |  | 34,341 |  |  |  | 9,069 |
Real estate construction |  |  | 7,482 |  |  |  | 30,312 |  |  |  | 973 |  |  |  | 6,298 |  |  |  | 21,402 |  |  |  | 2,960 |
Residential real estate |  |  | 2,752 |  |  |  | 2,752 |  |  |  | 719 |  |  |  | 955 |  |  |  | 955 |  |  |  | 93 |
Commercial real estate |  |  | 9,539 |  |  |  | 9,752 |  |  |  | 3,916 |  |  |  | 4,717 |  |  |  | 4,863 |  |  |  | 1,114 |
Loans to individuals |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Subtotal |  |  | 46,492 |  |  |  | 70,374 |  |  |  | 12,914 |  |  |  | 46,026 |  |  |  | 61,561 |  |  |  | 13,236 |
Total |  | $ | 93,906 |  |  | $ | 124,209 |  |  | $ | 12,914 |  |  | $ | 98,752 |  |  | $ | 130,627 |  |  | $ | 13,236 |
|  | For the Nine-Months Ended September 30, |
|  | 2012 |  |  | 2011 |
|  | Average recorded investment |  |  | Interest Income Recognized |  |  | Average recorded investment |  |  | Interest Income Recognized |
|  | (dollars in thousands) |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  | $ | 9,281 |  |  | $ | 116 |  |  | $ | 3,695 |  |  | $ | 11 |
Real estate construction |  |  | 6,641 |  |  |  | 0 |  |  |  | 21,611 |  |  |  | 1 |
Residential real estate |  |  | 7,604 |  |  |  | 17 |  |  |  | 2,519 |  |  |  | 4 |
Commercial real estate |  |  | 27,869 |  |  |  | 50 |  |  |  | 27,322 |  |  |  | 246 |
Loans to individuals |  |  | 9 |  |  |  | 0 |  |  |  | 13 |  |  |  | 0 |
Subtotal |  |  | 51,404 |  |  |  | 183 |  |  |  | 55,160 |  |  |  | 262 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  |  | 21,025 |  |  |  | 5 |  |  |  | 29,614 |  |  |  | 126 |
Real estate construction |  |  | 7,381 |  |  |  | 0 |  |  |  | 19,858 |  |  |  | 0 |
Residential real estate |  |  | 1,532 |  |  |  | 20 |  |  |  | 422 |  |  |  | 1 |
Commercial real estate |  |  | 2,713 |  |  |  | 11 |  |  |  | 35,595 |  |  |  | 301 |
Loans to individuals |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Subtotal |  |  | 32,651 |  |  |  | 36 |  |  |  | 85,489 |  |  |  | 428 |
Total |  | $ | 84,055 |  |  | $ | 219 |  |  | $ | 140,649 |  |  | $ | 690 |
|  | For the Three-Months Ended September 30, |
|  | 2012 |  |  | 2011 |
|  | Average recorded investment |  |  | Interest Income Recognized |  |  | Average recorded investment |  |  | Interest Income Recognized |
|  | (dollars in thousands) |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  | $ | 6,664 |  |  | $ | 94 |  |  | $ | 1,989 |  |  | $ | 6 |
Real estate construction |  |  | 4,954 |  |  |  | 0 |  |  |  | 16,465 |  |  |  | (1 | )
Residential real estate |  |  | 4,374 |  |  |  | 6 |  |  |  | 3,131 |  |  |  | 3 |
Commercial real estate |  |  | 29,878 |  |  |  | 14 |  |  |  | 19,676 |  |  |  | 228 |
Loans to individuals |  |  | 28 |  |  |  | 0 |  |  |  | 7 |  |  |  | 0 |
Subtotal |  |  | 45,898 |  |  |  | 114 |  |  |  | 41,268 |  |  |  | 236 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  |  | 25,469 |  |  |  | 2 |  |  |  | 37,552 |  |  |  | 50 |
Real estate construction |  |  | 8,848 |  |  |  | 0 |  |  |  | 20,237 |  |  |  | (2 | )
Residential real estate |  |  | 2,130 |  |  |  | 6 |  |  |  | 669 |  |  |  | 1 |
Commercial real estate |  |  | 4,754 |  |  |  | 11 |  |  |  | 51,677 |  |  |  | 124 |
Loans to individuals |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Subtotal |  |  | 41,201 |  |  |  | 19 |  |  |  | 110,135 |  |  |  | 173 |
Total |  | $ | 87,099 |  |  | $ | 133 |  |  | $ | 151,403 |  |  | $ | 409 |
Troubled Debt Restructured Loans and Commitments | The following table provides detail as to the total troubled debt restructured loans and total commitments outstanding on troubled debt restructured loans:
|  | September 30, 2012 |  |  | December 31, 2011 |
|  | (dollars in thousands) |
Troubled debt restructured loans |  |  |  |  |  |  |  |
Accrual status |  | $ | 7,176 |  |  | $ | 20,276 |
Nonaccrual status |  |  | 46,026 |  |  |  | 44,841 |
Total |  | $ | 53,202 |  |  | $ | 65,117 |
Commitments |  |  |  |  |  |  |  |
Letters of credit |  | $ | 0 |  |  | $ | 12,580 |
Unused lines of credit |  |  | 1,342 |  |  |  | 42 |
Total |  | $ | 1,342 |  |  | $ | 12,622 |
Troubled Debt Restructurings is 90 days or more past due | The following tables provide detail, including specific reserve and reasons for modification, related to loans identified as troubled debt restructurings:
|  | For the Nine-Months Ended September 30, 2012 |
|  |  |  |  | Type of Modification |  |  |  |  |  |  |  |  |  |
|  | Number of Contracts |  |  | Extend Maturity |  |  | Modify Rate |  |  | Modify Payments |  |  | Total Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Specific Reserve |
|  | (dollars in thousands) |
Commercial, financial, agricultural and other |  |  | 10 |  |  | $ | 1,599 |  |  | $ | 187 |  |  | $ | 7,538 |  |  | $ | 9,324 |  |  | $ | 8,885 |  |  | $ | 3,140 |
Real estate construction |  |  | 1 |  |  |  | 823 |  |  |  | 0 |  |  |  | 0 |  |  |  | 823 |  |  |  | 791 |  |  |  | 0 |
Residential real estate |  |  | 3 |  |  |  | 0 |  |  |  | 97 |  |  |  | 83 |  |  |  | 180 |  |  |  | 131 |  |  |  | 0 |
Commercial real estate |  |  | 1 |  |  |  | 0 |  |  |  | 516 |  |  |  | 0 |  |  |  | 516 |  |  |  | 529 |  |  |  | 98 |
Total |  |  | 15 |  |  | $ | 2,422 |  |  | $ | 800 |  |  | $ | 7,621 |  |  | $ | 10,843 |  |  | $ | 10,336 |  |  | $ | 3,238 |
|  | For the Nine-Months Ended September 30, 2011 |
|  |  |  |  | Type of Modification |  |  |  |  |  |  |  |  |  |
|  | Number of Contracts |  |  | Extend Maturity |  |  | Modify Rate |  |  | Modify Payments |  |  | Total Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Specific Reserve |
|  | (dollars in thousands) |
Commercial, financial, agricultural and other |  |  | 10 |  |  | $ | 100 |  |  | $ | 105 |  |  | $ | 2,218 |  |  | $ | 2,423 |  |  | $ | 2,402 |  |  | $ | 606 |
Real estate construction |  |  | 4 |  |  |  | 354 |  |  |  | 0 |  |  |  | 0 |  |  |  | 354 |  |  |  | 506 |  |  |  | 0 |
Residential real estate |  |  | 5 |  |  |  | 0 |  |  |  | 100 |  |  |  | 179 |  |  |  | 279 |  |  |  | 274 |  |  |  | 7 |
Commercial real estate |  |  | 18 |  |  |  | 17,202 |  |  |  | 199 |  |  |  | 1,978 |  |  |  | 19,379 |  |  |  | 19,237 |  |  |  | 1,551 |
Total |  |  | 37 |  |  | $ | 17,656 |  |  | $ | 404 |  |  | $ | 4,375 |  |  | $ | 22,435 |  |  | $ | 22,419 |  |  | $ | 2,164 |
. The following tables provide detail, including specific reserve and reasons for modification, related to loans identified as troubled debt restructurings:
|  | For the Three-Months Ended September 30, 2012 |
|  |  |  |  | Type of Modification |  |  |  |  |  |  |  |  |  |
|  | Number of Contracts |  |  | Extend Maturity |  |  | Modify Rate |  |  | Modify Payments |  |  | Total Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Specific Reserve |
|  | (dollars in thousands) |
Commercial, financial, agricultural and other |  |  | 6 |  |  | $ | 1,153 |  |  | $ | 169 |  |  | $ | 1,509 |  |  | $ | 2,831 |  |  | $ | 3,004 |  |  | $ | 746 |
Real estate construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Commercial real estate |  |  | 1 |  |  |  | 0 |  |  |  | 516 |  |  |  | 0 |  |  |  | 516 |  |  |  | 529 |  |  |  | 98 |
Total |  |  | 7 |  |  | $ | 1,153 |  |  | $ | 685 |  |  | $ | 1,509 |  |  | $ | 3,347 |  |  | $ | 3,533 |  |  | $ | 844 |
|  | For the Three-Months Ended September 30, 2011 |
|  |  |  |  | Type of Modification |  |  |  |  |  |  |  |  |  |
|  | Number of Contracts |  |  | Extend Maturity |  |  | Modify Rate |  |  | Modify Payments |  |  | Total Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Specific Reserve |
|  | (dollars in thousands) |
Commercial, financial, agricultural and other |  |  | 1 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 50 |  |  | $ | 50 |  |  | $ | 46 |  |  | $ | 0 |
Real estate construction |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Residential real estate |  |  | 2 |  |  |  | 0 |  |  |  | 73 |  |  |  | 104 |  |  |  | 177 |  |  |  | 175 |  |  |  | 7 |
Commercial real estate |  |  | 3 |  |  |  | 39 |  |  |  | 0 |  |  |  | 481 |  |  |  | 520 |  |  |  | 517 |  |  |  | 0 |
Total |  |  | 6 |  |  | $ | 39 |  |  | $ | 73 |  |  | $ | 635 |  |  | $ | 747 |  |  | $ | 738 |  |  | $ | 7 |
Troubled Debt Restructuring Identified During Period | The following provides information related to restructured loans that were considered to default during the nine-months ended September 30:
|  | 2012 |  |  | 2011 |
|  | Number of Contracts |  |  | Recorded Investment |  |  | Number of Contracts |  |  | Recorded Investment |
|  | (dollars in thousands) |
Real estate construction |  |  | 0 |  |  | $ | 0 |  |  |  | 1 |  |  | $ | 88 |
Total |  |  | 0 |  |  | $ | 0 |  |  |  | 1 |  |  | $ | 88 |
Allowance for Credit Losses | The following tables provide detail related to the allowance for credit losses:
|  | For the Nine-Months Ended September 30, 2012 |
|  | Commercial, financial, agricultural and other |  |  | Real estate construction |  |  | Residential real estate |  |  | Commercial real estate |  |  | Loans to individuals |  |  | Unallocated |  |  | Total |
|  | (dollars in thousands) |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 18,200 |  |  | $ | 6,756 |  |  | $ | 8,237 |  |  | $ | 18,961 |  |  | $ | 4,244 |  |  | $ | 4,836 |  |  | $ | 61,234 |
Charge-offs |  |  | (4,939 | ) |  |  | (2,356 | ) |  |  | (2,984 | ) |  |  | (638 | ) |  |  | (2,494 | ) |  |  | 0 |  |  |  | (13,411 | )
Recoveries |  |  | 349 |  |  |  | 121 |  |  |  | 331 |  |  |  | 256 |  |  |  | 396 |  |  |  | 0 |  |  |  | 1,453 |
Provision |  |  | 4,470 |  |  |  | 4,341 |  |  |  | 1,120 |  |  |  | 1,855 |  |  |  | 2,074 |  |  |  | 978 |  |  |  | 14,838 |
Ending Balance |  | $ | 18,080 |  |  | $ | 8,862 |  |  | $ | 6,704 |  |  | $ | 20,434 |  |  | $ | 4,220 |  |  | $ | 5,814 |  |  | $ | 64,114 |
Ending balance: individually evaluated for impaired |  | $ | 7,306 |  |  | $ | 973 |  |  | $ | 719 |  |  | $ | 3,916 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 12,914 |
Ending balance: collectively evaluated for impaired |  |  | 10,774 |  |  |  | 7,889 |  |  |  | 5,985 |  |  |  | 16,518 |  |  |  | 4,220 |  |  |  | 5,814 |  |  |  | 51,200 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  |  | 1,087,019 |  |  |  | 95,425 |  |  |  | 1,228,328 |  |  |  | 1,217,249 |  |  |  | 586,278 |  |  |  |  |  |  |  | 4,214,299 |
Ending balance: individually evaluated for impaired |  |  | 32,833 |  |  |  | 11,427 |  |  |  | 7,224 |  |  |  | 37,369 |  |  |  | 0 |  |  |  |  |  |  |  | 88,853 |
Ending balance: collectively evaluated for impaired |  |  | 1,054,186 |  |  |  | 83,998 |  |  |  | 1,221,104 |  |  |  | 1,179,880 |  |  |  | 586,278 |  |  |  |  |  |  |  | 4,125,446 |
|  | For the Nine-Months Ended September 30, 2011 |
|  | Commercial, financial, agricultural and other |  |  | Real estate construction |  |  | Residential real estate |  |  | Commercial real estate |  |  | Loans to individuals |  |  | Unallocated |  |  | Total |
|  | (dollars in thousands) |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 21,700 |  |  | $ | 18,002 |  |  | $ | 5,454 |  |  | $ | 16,913 |  |  | $ | 4,215 |  |  | $ | 4,945 |  |  | $ | 71,229 |
Charge-offs |  |  | (3,642 | ) |  |  | (14,570 | ) |  |  | (2,686 | ) |  |  | (6,918 | ) |  |  | (2,332 | ) |  |  | 0 |  |  |  | (30,148 | )
Recoveries |  |  | 335 |  |  |  | 0 |  |  |  | 118 |  |  |  | 239 |  |  |  | 440 |  |  |  | 0 |  |  |  | 1,132 |
Provision |  |  | 196 |  |  |  | 11,984 |  |  |  | 3,770 |  |  |  | 12,443 |  |  |  | 1,708 |  |  |  | (197 | ) |  |  | 29,904 |
Ending Balance |  | $ | 18,589 |  |  | $ | 15,416 |  |  | $ | 6,656 |  |  | $ | 22,677 |  |  | $ | 4,031 |  |  | $ | 4,748 |  |  | $ | 72,117 |
Ending balance: individually evaluated for impaired |  | $ | 10,503 |  |  | $ | 12,551 |  |  | $ | 171 |  |  | $ | 11,674 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 34,899 |
Ending balance: collectively evaluated for impaired |  |  | 8,086 |  |  |  | 2,865 |  |  |  | 6,485 |  |  |  | 11,003 |  |  |  | 4,031 |  |  |  | 4,748 |  |  |  | 37,218 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  |  | 950,547 |  |  |  | 97,354 |  |  |  | 1,096,339 |  |  |  | 1,284,720 |  |  |  | 544,763 |  |  |  |  |  |  |  | 3,973,723 |
Ending balance: individually evaluated for impaired |  |  | 37,738 |  |  |  | 35,957 |  |  |  | 2,290 |  |  |  | 81,375 |  |  |  | 0 |  |  |  |  |  |  |  | 157,360 |
Ending balance: collectively evaluated for impaired |  |  | 912,809 |  |  |  | 61,397 |  |  |  | 1,094,049 |  |  |  | 1,203,345 |  |  |  | 544,763 |  |  |  |  |  |  |  | 3,816,363 |
|  | For the Three-Months Ended September 30, 2012 |
|  | Commercial, financial, agricultural and other |  |  | Real estate construction |  |  | Residential real estate |  |  | Commercial real estate |  |  | Loans to individuals |  |  | Unallocated |  |  | Total |
|  | (dollars in thousands) |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 19,302 |  |  | $ | 8,001 |  |  | $ | 6,619 |  |  | $ | 17,638 |  |  | $ | 4,209 |  |  | $ | 5,907 |  |  | $ | 61,676 |
Charge-offs |  |  | (1,271 | ) |  |  | (2,016 | ) |  |  | (530 | ) |  |  | (97 | ) |  |  | (756 | ) |  |  | 0 |  |  |  | (4,670 | )
Recoveries |  |  | 74 |  |  |  | 29 |  |  |  | 49 |  |  |  | 70 |  |  |  | 132 |  |  |  | 0 |  |  |  | 354 |
Provision |  |  | (25 | ) |  |  | 2,848 |  |  |  | 566 |  |  |  | 2,823 |  |  |  | 635 |  |  |  | (93 | ) |  |  | 6,754 |
Ending Balance |  | $ | 18,080 |  |  | $ | 8,862 |  |  | $ | 6,704 |  |  | $ | 20,434 |  |  | $ | 4,220 |  |  | $ | 5,814 |  |  | $ | 64,114 |
|  | For the Three-Months Ended September 30, 2011 |
|  | Commercial, financial, agricultural and other |  |  | Real estate construction |  |  | Residential real estate |  |  | Commercial real estate |  |  | Loans to individuals |  |  | Unallocated |  |  | Total |
|  | (dollars in thousands) |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 23,175 |  |  | $ | 17,701 |  |  | $ | 6,870 |  |  | $ | 18,780 |  |  | $ | 3,870 |  |  | $ | 4,770 |  |  | $ | 75,166 |
Charge-offs |  |  | (685 | ) |  |  | (6,522 | ) |  |  | (986 | ) |  |  | (1,343 | ) |  |  | (810 | ) |  |  | 0 |  |  |  | (10,346 | )
Recoveries |  |  | 74 |  |  |  | 0 |  |  |  | 22 |  |  |  | 75 |  |  |  | 151 |  |  |  | 0 |  |  |  | 322 |
Provision |  |  | (3,975 | ) |  |  | 4,237 |  |  |  | 750 |  |  |  | 5,165 |  |  |  | 820 |  |  |  | (22 | ) |  |  | 6,975 |
Ending Balance |  | $ | 18,589 |  |  | $ | 15,416 |  |  | $ | 6,656 |  |  | $ | 22,677 |  |  | $ | 4,031 |  |  | $ | 4,748 |  |  | $ | 72,117 |

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