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Loans and Allowance for Credit Losses (Tables) | 12 Months Ended
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Dec. 31, 2012
Outstanding Balances of Loan | The following table provides outstanding balances related to each of our loan types as of December 31:
|  | 2012 |  |  | 2011 |
|  | (dollars in thousands) |
Commercial, financial, agricultural and other |  | $ | 1,019,822 |  |  | $ | 996,739 |
Real estate construction |  |  | 87,438 |  |  |  | 76,564 |
Residential real estate |  |  | 1,241,565 |  |  |  | 1,137,059 |
Commercial real estate |  |  | 1,273,661 |  |  |  | 1,267,432 |
Loans to individuals |  |  | 582,218 |  |  |  | 565,849 |
Total loans net of unearned income |  | $ | 4,204,704 |  |  | $ | 4,043,643 |
Credit Risk Profile by Creditworthiness | The following tables represent our credit risk profile by creditworthiness category for the years ended December 31:
|  | 2012 |
|  | Commercial, financial, agricultural and other |  |  | Real estate construction |  |  | Residential real estate |  |  | Commerical real estate |  |  | Loans to individuals |  |  | Total |
|  | (dollars in thousands) |
Pass |  | $ | 925,868 |  |  | $ | 64,353 |  |  | $ | 1,224,849 |  |  | $ | 1,119,093 |  |  | $ | 582,039 |  |  | $ | 3,916,202 |
Non-Pass |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
OAEM |  |  | 31,049 |  |  |  | 925 |  |  |  | 5,647 |  |  |  | 82,581 |  |  |  | 3 |  |  |  | 120,205 |
Substandard |  |  | 62,905 |  |  |  | 18,638 |  |  |  | 11,069 |  |  |  | 71,987 |  |  |  | 176 |  |  |  | 164,775 |
Doubtful |  |  | 0 |  |  |  | 3,522 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 3,522 |
Total Non-Pass |  |  | 93,954 |  |  |  | 23,085 |  |  |  | 16,716 |  |  |  | 154,568 |  |  |  | 179 |  |  |  | 288,502 |
Total |  | $ | 1,019,822 |  |  | $ | 87,438 |  |  | $ | 1,241,565 |  |  | $ | 1,273,661 |  |  | $ | 582,218 |  |  | $ | 4,204,704 |
|  | 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 December 31. 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.
|  | 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 |  | $ | 991 |  |  | $ | 620 |  |  | $ | 288 |  |  | $ | 29,258 |  |  | $ | 31,157 |  |  | $ | 988,665 |  |  | $ | 1,019,822 |
Real estate construction |  |  | 2 |  |  |  | 19 |  |  |  | 15 |  |  |  | 9,778 |  |  |  | 9,814 |  |  |  | 77,624 |  |  |  | 87,438 |
Residential real estate |  |  | 6,597 |  |  |  | 2,357 |  |  |  | 730 |  |  |  | 9,283 |  |  |  | 18,967 |  |  |  | 1,222,598 |  |  |  | 1,241,565 |
Commercial real estate |  |  | 3,339 |  |  |  | 1,389 |  |  |  | 195 |  |  |  | 46,023 |  |  |  | 50,946 |  |  |  | 1,222,715 |  |  |  | 1,273,661 |
Loans to individuals |  |  | 3,140 |  |  |  | 934 |  |  |  | 1,219 |  |  |  | 176 |  |  |  | 5,469 |  |  |  | 576,749 |  |  |  | 582,218 |
Total |  | $ | 14,069 |  |  | $ | 5,319 |  |  | $ | 2,447 |  |  | $ | 94,518 |  |  | $ | 116,353 |  |  | $ | 4,088,351 |  |  | $ | 4,204,704 |
|  | 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 December 31, 2012 and 2011. Also presented are the average recorded investment in impaired loans and the related amount of interest recognized while the loan was considered impaired for the years ended December 31, 2012, 2011 and 2010. Average balances are calculated based on month-end balances of the loans for the period reported.
|  | 2012 |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
|  | (dollars in thousands) |
With no related allowance recorded: |  |  |  |
Commercial, financial, agricultural and other |  | $ | 8,080 |  |  | $ | 8,983 |  |  | $ | 0 |  |  | $ | 9,217 |  |  | $ | 173 |
Real estate construction |  |  | 8,491 |  |  |  | 35,555 |  |  |  | 0 |  |  |  | 11,912 |  |  |  | 0 |
Residential real estate |  |  | 7,928 |  |  |  | 8,401 |  |  |  | 0 |  |  |  | 8,114 |  |  |  | 72 |
Commercial real estate |  |  | 33,259 |  |  |  | 35,401 |  |  |  | 0 |  |  |  | 28,574 |  |  |  | 66 |
Loans to individuals |  |  | 256 |  |  |  | 256 |  |  |  | 0 |  |  |  | 103 |  |  |  | 2 |
Subtotal |  |  | 58,014 |  |  |  | 88,596 |  |  |  | 0 |  |  |  | 57,920 |  |  |  | 313 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  |  | 26,532 |  |  |  | 27,412 |  |  |  | 10,331 |  |  |  | 21,979 |  |  |  | 9 |
Real estate construction |  |  | 2,756 |  |  |  | 3,087 |  |  |  | 300 |  |  |  | 1,457 |  |  |  | 0 |
Residential real estate |  |  | 2,695 |  |  |  | 2,696 |  |  |  | 780 |  |  |  | 1,599 |  |  |  | 15 |
Commercial real estate |  |  | 17,558 |  |  |  | 17,896 |  |  |  | 6,367 |  |  |  | 5,024 |  |  |  | 32 |
Loans to individuals |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Subtotal |  |  | 49,541 |  |  |  | 51,091 |  |  |  | 17,778 |  |  |  | 30,059 |  |  |  | 56 |
Total |  | $ | 107,555 |  |  | $ | 139,687 |  |  | $ | 17,778 |  |  | $ | 87,979 |  |  | $ | 369 |
|  | 2011 |
|  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
|  | (dollars in thousands) |
With no related allowance recorded: |  |  |  |
Commercial, financial, agricultural and other |  | $ | 2,010 |  |  | $ | 3,418 |  |  | $ | 0 |  |  | $ | 3,887 |  |  | $ | 20 |
Real estate construction |  |  | 10,814 |  |  |  | 20,161 |  |  |  | 0 |  |  |  | 23,254 |  |  |  | 10 |
Residential real estate |  |  | 3,125 |  |  |  | 3,513 |  |  |  | 0 |  |  |  | 2,702 |  |  |  | 9 |
Commercial real estate |  |  | 36,777 |  |  |  | 41,974 |  |  |  | 0 |  |  |  | 35,817 |  |  |  | 799 |
Loans to individuals |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 10 |  |  |  | 0 |
Subtotal |  |  | 52,726 |  |  |  | 69,066 |  |  |  | 0 |  |  |  | 65,670 |  |  |  | 838 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  |  | 34,056 |  |  |  | 34,341 |  |  |  | 9,069 |  |  |  | 30,456 |  |  |  | 152 |
Real estate construction |  |  | 6,298 |  |  |  | 21,402 |  |  |  | 2,960 |  |  |  | 14,465 |  |  |  | 0 |
Residential real estate |  |  | 955 |  |  |  | 955 |  |  |  | 93 |  |  |  | 615 |  |  |  | 7 |
Commercial real estate |  |  | 4,717 |  |  |  | 4,863 |  |  |  | 1,114 |  |  |  | 28,716 |  |  |  | 396 |
Loans to individuals |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |
Subtotal |  |  | 46,026 |  |  |  | 61,561 |  |  |  | 13,236 |  |  |  | 74,252 |  |  |  | 555 |
Total |  | $ | 98,752 |  |  | $ | 130,627 |  |  | $ | 13,236 |  |  | $ | 139,922 |  |  | $ | 1,393 |
|  | 2010 |
|  | Average Recorded Investment |  |  | Interest Income Recognized |
|  | (dollars in thousands) |
With no related allowance recorded: |  |  |  |
Commercial, financial, agricultural and other |  | $ | 6,051 |  |  | $ | 0 |
Real estate construction |  |  | 35,898 |  |  |  | 0 |
Residential real estate |  |  | 3,165 |  |  |  | 0 |
Commercial real estate |  |  | 24,198 |  |  |  | 12 |
Loans to individuals |  |  | 58 |  |  |  | 0 |
Subtotal |  |  | 69,370 |  |  |  | 12 |
With an allowance recorded: |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  |  | 43,778 |  |  |  | 14 |
Real estate construction |  |  | 16,641 |  |  |  | 0 |
Residential real estate |  |  | 237 |  |  |  | 0 |
Commercial real estate |  |  | 10,711 |  |  |  | 4 |
Loans to individuals |  |  | 0 |  |  |  | 0 |
Subtotal |  |  | 71,367 |  |  |  | 18 |
Total |  | $ | 140,737 |  |  | $ | 30 |
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 as of December 31:
|  | 2012 |  |  | 2011 |  |  | 2010 |
|  | (dollars in thousands) |
Troubled debt restructured loans |  |  |  |  |  |  |  |  |  |  |  |
Accrual status |  | $ | 13,037 |  |  | $ | 20,276 |  |  | $ | 1,336 |
Nonaccrual status |  |  | 50,979 |  |  |  | 44,841 |  |  |  | 31,410 |
Total |  | $ | 64,016 |  |  | $ | 65,117 |  |  | $ | 32,746 |
Commitments |  |  |  |  |  |  |  |  |  |  |  |
Letters of credit |  | $ | 1,574 |  |  | $ | 12,580 |  |  | $ | 11,321 |
Unused lines of credit |  |  | 0 |  |  |  | 42 |  |  |  | 1,095 |
Total |  | $ | 1,574 |  |  | $ | 12,622 |  |  | $ | 12,416 |
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 during the years ending December 31:
|  | 2012 |
|  |  |  |  | Reason for Modification |  |  |  |  |  |  |  |  |  |
|  | Number of Contracts |  |  | Extend Maturity |  |  | Modify Rate |  |  | Modify Payments |  |  | Other |  |  | Total Pre-Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Specific Reserve |
|  | (dollars in thousands) |
Commercial, financial, agricultural and other |  |  | 12 |  |  | $ | 1,599 |  |  | $ | 187 |  |  | $ | 9,476 |  |  | $ | 0 |  |  | $ | 11,262 |  |  | $ | 11,335 |  |  | $ | 4,237 |
Real estate construction |  |  | 2 |  |  |  | 1,697 |  |  |  | 0 |  |  |  | 0 |  |  |  | 0 |  |  |  | 1,697 |  |  |  | 2,133 |  |  |  | 200 |
Residential real estate |  |  | 25 |  |  |  | 200 |  |  |  | 132 |  |  |  | 697 |  |  |  | 48 |  |  |  | 1,077 |  |  |  | 973 |  |  |  | 69 |
Commercial real estate |  |  | 4 |  |  |  | 3,280 |  |  |  | 4,308 |  |  |  | 71 |  |  |  | 0 |  |  |  | 7,659 |  |  |  | 7,607 |  |  |  | 409 |
Loans to individuals |  |  | 17 |  |  |  | 0 |  |  |  | 97 |  |  |  | 88 |  |  |  | 6 |  |  |  | 191 |  |  |  | 173 |  |  |  | 0 |
Total |  |  | 60 |  |  | $ | 6,776 |  |  | $ | 4,724 |  |  | $ | 10,332 |  |  | $ | 54 |  |  | $ | 21,886 |  |  | $ | 22,221 |  |  | $ | 4,915 |
|  | 2011 |
|  |  |  |  | Reason for 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 |  |  | 13 |  |  | $ | 100 |  |  | $ | 475 |  |  | $ | 2,218 |  |  | $ | 2,793 |  |  | $ | 2,749 |  |  | $ | 743 |
Real estate construction |  |  | 6 |  |  |  | 2,554 |  |  |  | 86 |  |  |  | 0 |  |  |  | 2,640 |  |  |  | 2,852 |  |  |  | 0 |
Residential real estate |  |  | 10 |  |  |  | 0 |  |  |  | 515 |  |  |  | 601 |  |  |  | 1,116 |  |  |  | 1,100 |  |  |  | 65 |
Commercial real estate |  |  | 22 |  |  |  | 17,202 |  |  |  | 24,226 |  |  |  | 2,311 |  |  |  | 43,739 |  |  |  | 25,292 |  |  |  | 507 |
Total |  |  | 51 |  |  | $ | 19,856 |  |  | $ | 25,302 |  |  | $ | 5,130 |  |  | $ | 50,288 |  |  | $ | 31,993 |  |  | $ | 1,315 |
|  | 2010 |
|  |  |  |  | Reason for 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 |  |  | 7 |  |  | $ | 250 |  |  | $ | 105 |  |  | $ | 36,591 |  |  | $ | 36,946 |  |  | $ | 21,180 |  |  | $ | 4,972 |
Real estate construction |  |  | 2 |  |  |  | 109 |  |  |  | 2,070 |  |  |  | 0 |  |  |  | 2,179 |  |  |  | 1,051 |  |  |  | 0 |
Residential real estate |  |  | 2 |  |  |  | 0 |  |  |  | 13 |  |  |  | 57 |  |  |  | 70 |  |  |  | 67 |  |  |  | 0 |
Commercial real estate |  |  | 4 |  |  |  | 0 |  |  |  | 10,685 |  |  |  | 241 |  |  |  | 10,926 |  |  |  | 9,870 |  |  |  | 3 |
Total |  |  | 15 |  |  | $ | 359 |  |  | $ | 12,873 |  |  | $ | 36,889 |  |  | $ | 50,121 |  |  | $ | 32,168 |  |  | $ | 4,975 |
Allowance for Credit Losses | The following tables provide detail related to the allowance for credit losses for the years ended December 31:
|  | 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 |  |  | (5,207 | ) |  |  | (3,601 | ) |  |  | (3,828 | ) |  |  | (851 | ) |  |  | (3,482 | ) |  |  | 0 |  |  |  | (16,969 | )
Recoveries |  |  | 443 |  |  |  | 582 |  |  |  | 422 |  |  |  | 410 |  |  |  | 521 |  |  |  | 0 |  |  |  | 2,378 |
Provision |  |  | 6,416 |  |  |  | 5,191 |  |  |  | 1,077 |  |  |  | 3,921 |  |  |  | 2,849 |  |  |  | 1,090 |  |  |  | 20,544 |
Ending Balance |  | $ | 19,852 |  |  | $ | 8,928 |  |  | $ | 5,908 |  |  | $ | 22,441 |  |  | $ | 4,132 |  |  | $ | 5,926 |  |  | $ | 67,187 |
Ending balance: individually evaluated for impaired |  | $ | 10,331 |  |  | $ | 300 |  |  | $ | 780 |  |  | $ | 6,367 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 17,778 |
Ending balance: collectively evaluated for impaired |  |  | 9,521 |  |  |  | 8,628 |  |  |  | 5,128 |  |  |  | 16,074 |  |  |  | 4,132 |  |  |  | 5,926 |  |  |  | 49,409 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  |  | 1,019,822 |  |  |  | 87,438 |  |  |  | 1,241,565 |  |  |  | 1,273,661 |  |  |  | 582,218 |  |  |  |  |  |  |  | 4,204,704 |
Ending balance: individually evaluated for impaired |  |  | 33,443 |  |  |  | 11,177 |  |  |  | 6,444 |  |  |  | 49,123 |  |  |  | 0 |  |  |  |  |  |  |  | 100,187 |
Ending balance: collectively evaluated for impaired |  |  | 986,379 |  |  |  | 76,261 |  |  |  | 1,235,121 |  |  |  | 1,224,538 |  |  |  | 582,218 |  |  |  |  |  |  |  | 4,104,517 |
|  | 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 |  |  | (7,114 | ) |  |  | (28,886 | ) |  |  | (4,107 | ) |  |  | (24,861 | ) |  |  | (3,325 | ) |  |  | 0 |  |  |  | (68,293 | )
Recoveries |  |  | 473 |  |  |  | 955 |  |  |  | 132 |  |  |  | 349 |  |  |  | 573 |  |  |  | 0 |  |  |  | 2,482 |
Provision |  |  | 3,141 |  |  |  | 16,685 |  |  |  | 6,758 |  |  |  | 26,560 |  |  |  | 2,781 |  |  |  | (109 | ) |  |  | 55,816 |
Ending Balance |  | $ | 18,200 |  |  | $ | 6,756 |  |  | $ | 8,237 |  |  | $ | 18,961 |  |  | $ | 4,244 |  |  | $ | 4,836 |  |  | $ | 61,234 |
Ending balance: individually evaluated for impaired |  | $ | 9,069 |  |  | $ | 2,960 |  |  | $ | 93 |  |  | $ | 1,114 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 13,236 |
Ending balance: collectively evaluated for impaired |  |  | 9,131 |  |  |  | 3,796 |  |  |  | 8,144 |  |  |  | 17,847 |  |  |  | 4,244 |  |  |  | 4,836 |  |  |  | 47,998 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  |  | 996,739 |  |  |  | 76,564 |  |  |  | 1,137,059 |  |  |  | 1,267,432 |  |  |  | 565,849 |  |  |  |  |  |  |  | 4,043,643 |
Ending balance: individually evaluated for impaired |  |  | 37,639 |  |  |  | 14,667 |  |  |  | 2,606 |  |  |  | 39,832 |  |  |  | 0 |  |  |  |  |  |  |  | 94,744 |
Ending balance: collectively evaluated for impaired |  |  | 959,100 |  |  |  | 61,897 |  |  |  | 1,134,453 |  |  |  | 1,227,600 |  |  |  | 565,849 |  |  |  |  |  |  |  | 3,948,899 |
|  | 2010 |
|  | 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 |  | $ | 31,369 |  |  | $ | 18,224 |  |  | $ | 5,847 |  |  | $ | 17,526 |  |  | $ | 4,731 |  |  | $ | 3,942 |  |  | $ | 81,639 |
Charge-offs |  |  | (22,293 | ) |  |  | (41,483 | ) |  |  | (5,226 | ) |  |  | (2,466 | ) |  |  | (3,841 | ) |  |  | 0 |  |  |  | (75,309 | )
Recoveries |  |  | 2,409 |  |  |  | 0 |  |  |  | 252 |  |  |  | 163 |  |  |  | 523 |  |  |  | 0 |  |  |  | 3,347 |
Provision |  |  | 10,215 |  |  |  | 41,261 |  |  |  | 4,581 |  |  |  | 1,690 |  |  |  | 2,802 |  |  |  | 1,003 |  |  |  | 61,552 |
Ending Balance |  | $ | 21,700 |  |  | $ | 18,002 |  |  | $ | 5,454 |  |  | $ | 16,913 |  |  | $ | 4,215 |  |  | $ | 4,945 |  |  | $ | 71,229 |
Ending balance: individually evaluated for impaired |  | $ | 6,709 |  |  | $ | 11,855 |  |  | $ | 56 |  |  | $ | 5,287 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 23,907 |
Ending balance: collectively evaluated for impaired |  |  | 14,991 |  |  |  | 6,147 |  |  |  | 5,398 |  |  |  | 11,626 |  |  |  | 4,215 |  |  |  | 4,945 |  |  |  | 47,322 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  |  | 913,814 |  |  |  | 261,482 |  |  |  | 1,127,273 |  |  |  | 1,354,074 |  |  |  | 561,440 |  |  |  |  |  |  |  | 4,218,083 |
Ending balance: individually evaluated for impaired |  |  | 25,694 |  |  |  | 44,485 |  |  |  | 832 |  |  |  | 42,863 |  |  |  | 0 |  |  |  |  |  |  |  | 113,874 |
Ending balance: collectively evaluated for impaired |  |  | 888,120 |  |  |  | 216,997 |  |  |  | 1,126,441 |  |  |  | 1,311,211 |  |  |  | 561,440 |  |  |  |  |  |  |  | 4,104,209 |

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