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Loans and Allowance for Credit Losses (Tables)

12 Months Ended

Dec. 31, 2015

Loans and Leases Receivable Disclosure [Abstract]

Outstanding Balances of Loan

The following table provides outstanding balances related to each of our loan types as of December 31:

	2015				2014
	(dollars in thousands)
Commercial, financial, agricultural and other	$	1,150,906			$	1,052,109
Real estate construction	220,736				120,785
Residential real estate	1,224,465				1,226,344
Commercial real estate	1,479,000				1,405,256
Loans to individuals	608,643				652,814
Total loans and leases net of unearned income	$	4,683,750			$	4,457,308

Credit Risk Profile by Creditworthiness

The following tables represent our credit risk profile by creditworthiness category for the years ended December 31:

	2015
	Commercial, financial, agricultural and other				Real estate construction				Residential real estate				Commercial real estate				Loans to individuals				Total
	(dollars in thousands)
Pass	$	1,074,858			$	220,267			$	1,209,606			$	1,436,714			$	608,342			$	4,549,787
Non-Pass
OAEM	11,825				442				5,244				30,012				—				47,523
Substandard	64,223				27				9,615				12,274				301				86,440
Doubtful	—				—				—				—				—				—
Total Non-Pass	76,048				469				14,859				42,286				301				133,963
Total	$	1,150,906			$	220,736			$	1,224,465			$	1,479,000			$	608,643			$	4,683,750

	2014
	Commercial, financial, agricultural and other				Real estate construction				Residential real estate				Commercial real estate				Loans to individuals				Total
	(dollars in thousands)
Pass	$	983,357			$	112,536			$	1,214,920			$	1,353,773			$	652,596			$	4,317,182
Non-Pass
OAEM	32,563				8,013				2,315				29,479				—				72,370
Substandard	32,028				236				9,109				22,004				218				63,595
Doubtful	4,161				—				—				—				—				4,161
Total Non-Pass	68,752				8,249				11,424				51,483				218				140,126
Total	$	1,052,109			$	120,785			$	1,226,344			$	1,405,256			$	652,814			$	4,457,308

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.

	2015
	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	$	364			$	49			$	129			$	23,653			$	24,195			$	1,126,711			$	1,150,906
Real estate construction	280				—				—				28				308				220,428				220,736
Residential real estate	4,175				1,055				1,315				6,500				13,045				1,211,420				1,224,465
Commercial real estate	781				—				65				6,223				7,069				1,471,931				1,479,000
Loans to individuals	2,998				774				946				301				5,019				603,624				608,643
Total	$	8,598			$	1,878			$	2,455			$	36,705			$	49,636			$	4,634,114			$	4,683,750

	2014
	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	$	2,816			$	213			$	264			$	27,007			$	30,300			$	1,021,809			$	1,052,109
Real estate construction	—				1				—				236				237				120,548				120,785
Residential real estate	5,162				1,295				1,077				7,900				15,434				1,210,910				1,226,344
Commercial real estate	1,797				122				—				7,306				9,225				1,396,031				1,405,256
Loans to individuals	3,698				1,059				1,278				218				6,253				646,561				652,814
Total	$	13,473			$	2,690			$	2,619			$	42,667			$	61,449			$	4,395,859			$	4,457,308

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, 2015 and 2014. 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, 2015, 2014 and 2013. Average balances are calculated based on month-end balances of the loans for the period reported and are included in the table below based on its period end allowance position.

	2015
	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	$	11,344			$	15,673							$	17,692			$	216
Real estate construction	28				117								95				—
Residential real estate	9,952				11,819								10,635				172
Commercial real estate	7,562				9,449								7,890				90
Loans to individuals	421				507								338				4
Subtotal	29,307				37,565								36,650				482
With an allowance recorded:
Commercial, financial, agricultural and other	20,132				22,590				$	6,952			7,731				129
Real estate construction	—				—				—				—				—
Residential real estate	461				672				51				403				—
Commercial real estate	944				1,008				42				674				4
Loans to individuals	—				—				—				—				—
Subtotal	21,537				24,270				7,045				8,808				133
Total	$	50,844			$	61,835			$	7,045			$	45,458			$	615

	2014
	Recorded investment				Unpaid principal balance				Related allowance				Average recorded investment				Interest Income Recognized
With no related allowance recorded:
Commercial, financial, agricultural and other	$	9,439			$	10,937							$	11,536			$	133
Real estate construction	236				476								1,190				19
Residential real estate	10,773				12,470								11,592				210
Commercial real estate	8,768				10,178								8,830				98
Loans to individuals	288				337								308				4
Subtotal	29,504				34,398								33,456				464
With an allowance recorded:
Commercial, financial, agricultural and other	24,826				25,583				$	9,304			15,797				143
Real estate construction	—				—				—				—				—
Residential real estate	367				380				56				357				14
Commercial real estate	554				554				101				184				4
Loans to individuals	—				—				—				—				—
Subtotal	25,747				26,517				9,461				16,338				161
Total	$	55,251			$	60,915			$	9,461			$	49,794			$	625

	2013
	Average recorded investment				Interest Income Recognized
	(dollars in thousands)
With no related allowance recorded:
Commercial, financial, agricultural and other	$	14,454			$	73
Real estate construction	5,923				47
Residential real estate	9,280				211
Commercial real estate	27,881				250
Loans to individuals	255				3
Subtotal	57,793				584
With an allowance recorded:
Commercial, financial, agricultural and other	16,479				64
Real estate construction	515				—
Residential real estate	3,200				31
Commercial real estate	188				—
Loans to individuals	—				—
Subtotal	20,382				95
Total	$	78,175			$	679

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:

	2015				2014				2013
	(dollars in thousands)
Troubled debt restructured loans
Accrual status	$	14,139			$	12,584			$	13,495
Nonaccrual status	12,360				16,952				16,980
Total	$	26,499			$	29,536			$	30,475
Commitments
Unused lines of credit	3,252				4,120				452

The following table provides information related to restructured loans that were considered to be in default during the as of December 31:

	2015							2014							2013
	Number of Contracts			Recorded Investment				Number of Contracts			Recorded Investment				Number of Contracts			Recorded Investment
	(dollars in thousands)
Residential real estate	3			$	97			2			$	7			1			$	19
Commercial real estate	—			—				1			6				—			—
Total	3			$	97			3			$	13			1			$	19

Troubled Debt Restructurings is 90 Days or More Past Due

he 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:

	2015
				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	12			$	1,751			$	3,195			$	4,527				$	9,473			$	8,823			$	1,330
Residential real estate	32			—				296				1,414					1,710				1,575				2
Commercial real estate	1			—				—				464					464				389				—
Loans to individuals	16			3				167				35					205				169				—
Total	61			$	1,754			$	3,658			$	6,440				$	11,852			$	10,956			$	1,332

	2014
				Type of 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	9			$	5,487			$	—			$	14,529			$	—			$	20,016			$	13,785			$	4,665
Residential real estate	52			—				629				1,797				—				2,426				2,062				—
Commercial real estate	1			—				—				8				—				8				6				—
Loans to individuals	15			—				103				47				—				150				114				—
Total	77			$	5,487			$	732			$	16,381			$	—			$	22,600			$	15,967			$	4,665

	2013
				Type of 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	14			$	3,462			$	—			$	1,677			$	—			$	5,139			$	3,104			$	906
Residential real estate	46			347				418				2,116				—				2,881				2,316				161
Commercial real estate	5			571				1,499				145				—				2,215				2,184				34
Loans to individuals	17			10				101				33				—				144				109				—
Total	82			$	4,390			$	2,018			$	3,971			$	—			$	10,379			$	7,713			$	1,101

Allowance for Credit Losses

The following tables provide detail related to the allowance for credit losses for the years ended December 31. During 2013, the negative $5.9 million provision for credit losses related to the unallocated portion of the allowance is a result of it no longer being treated as a separate component of the allowance but instead is now incorporated into the reserve provided for each loan category. This portion of the allowance for credit losses reflects the qualitative or environmental factors that are likely to cause estimated credit losses to differ from historical loss experience.

	2015
	Commercial, financial, agricultural and other				Real estate construction				Residential real estate				Commercial real estate				Loans to individuals				Total
	(dollars in thousands)
Allowance for credit losses:
Beginning Balance	$	29,627			$	2,063			$	3,664			$	11,881			$	4,816			$	52,051
Charge-offs	(11,429		)		(8		)		(1,539		)		(1,538		)		(4,354		)		(18,868		)
Recoveries	1,097				84				587				229				684				2,681
Provision (credit)	11,740				(1,252		)		(106		)		1,352				3,214				14,948
Ending Balance	$	31,035			$	887			$	2,606			$	11,924			$	4,360			$	50,812
Ending balance: individually evaluated for impairment	$	6,952			$	—			$	51			$	42			$	—			$	7,045
Ending balance: collectively evaluated for impairment	24,083				887				2,555				11,882				4,360				43,767
Loans:
Ending balance	1,150,906				220,736				1,224,465				1,479,000				608,643				4,683,750
Ending balance: individually evaluated for impairment	30,767				—				6,099				7,143				—				44,009
Ending balance: collectively evaluated for impairment	1,120,139				220,736				1,218,366				1,471,857				608,643				4,639,741

	2014
	Commercial, financial, agricultural and other				Real estate construction				Residential real estate				Commercial real estate				Loans to individuals					Total
	(dollars in thousands)
Allowance for credit losses:
Beginning Balance	$	22,663			$	6,600			$	7,727			$	11,778			$	5,457				$	54,225
Charge-offs	(8,911		)		(296		)		(3,153		)		(1,148		)		(3,964		)			(17,472		)
Recoveries	734				1,340				650				612				766					4,102
Provision (credit)	15,141				(5,581		)		(1,560		)		639				2,557					11,196
Ending Balance	$	29,627			$	2,063			$	3,664			$	11,881			$	4,816				$	52,051
Ending balance: individually evaluated for impairment	$	9,304			$	—			$	56			$	101			$	—				$	9,461
Ending balance: collectively evaluated for impairment	20,323				2,063				3,608				11,780				4,816					42,590
Loans:
Ending balance	1,052,109				120,785				1,226,344				1,405,256				652,814					4,457,308
Ending balance: individually evaluated for impairment	33,332				193				7,127				7,790				—					48,442
Ending balance: collectively evaluated for impairment	1,018,777				120,592				1,219,217				1,397,466				652,814					4,408,866

	2013
	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	$	19,852			$	8,928			$	5,908			$	22,441			$	4,132			$	5,926			$	67,187
Charge-offs	(18,399		)		(773		)		(1,814		)		(10,513		)		(3,679		)		—				(35,178		)
Recoveries	455				501				1,264				136				633				—				2,989
Provision (credit)	20,755				(2,056		)		2,369				(286		)		4,371				(5,926		)		19,227
Ending Balance	$	22,663			$	6,600			$	7,727			$	11,778			$	5,457			$	—			$	54,225
Ending balance: individually evaluated for impairment	$	7,364			$	94			$	1,282			$	84			$	—			$	—			$	8,824
Ending balance: collectively evaluated for impairment	15,299				6,506				6,445				11,694				5,457				—				45,401
Loans:
Ending balance	1,021,056				93,289				1,262,718				1,296,472				610,298								4,283,833
Ending balance: individually evaluated for impairment	27,251				3,844				9,349				12,151				—								52,595
Ending balance: collectively evaluated for impairment	993,805				89,445				1,253,369				1,284,321				610,298								4,231,238

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Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.

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