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Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2020
Loans and Leases Receivable Disclosure [Abstract] |
Outstanding Balances of Loan | The following table provides outstanding balances related to each of our loan types:
| March 31, 2020 |  |  |  |  |  | December 31, 2019 |  |  |  |
| Originated |  | Acquired |  | Total |  | Originated |  | Acquired |  | Total
| (dollars in thousands) |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | $ | 1,242,909 |  |  | $ | 29,331 |  |  | $ | 1,272,240 |  |  | $ | 1,212,026 |  |  | $ | 29,827 |  |  | $ | 1,241,853 |
Real estate construction | 408,234 |  |  | 5,224 |  |  | 413,458 |  |  | 442,777 |  |  | 6,262 |  |  | 449,039 |
Residential real estate | 1,439,306 |  |  | 251,834 |  |  | 1,691,140 |  |  | 1,415,808 |  |  | 265,554 |  |  | 1,681,362 |
Commercial real estate | 2,041,339 |  |  | 148,759 |  |  | 2,190,098 |  |  | 1,958,346 |  |  | 159,173 |  |  | 2,117,519 |
Loans to individuals | 734,608 |  |  | 12,400 |  |  | 747,008 |  |  | 685,416 |  |  | 13,959 |  |  | 699,375 |
Total loans | $ | 5,866,396 |  |  | $ | 447,548 |  |  | $ | 6,313,944 |  |  | $ | 5,714,373 |  |  | $ | 474,775 |  |  | $ | 6,189,148 |
Credit Risk Profile by Creditworthiness | The following tables represent our credit risk profile by creditworthiness:
| March 31, 2020 |  |  |  |  |  |  |  |  |  |
| Commercial, financial, agricultural and other |  | Real estate construction |  | Residential real estate |  | Commercial real estate |  | Loans to individuals |  | Total
| (dollars in thousands) |  |  |  |  |  |  |  |  |  |
Originated loans |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,183,879 |  |  | $ | 408,210 |  |  | $ | 1,431,760 |  |  | $ | 2,001,296 |  |  | $ | 734,333 |  |  | $ | 5,759,478 |
Non-Pass |  |  |  |  |  |  |  |  |  |  |
OAEM | 21,674 |  |  | 24 |  |  | 466 |  |  | 3,847 |  |  | 7 |  |  | 26,018 |
Substandard | 37,356 |  |  | — |  |  | 7,080 |  |  | 36,196 |  |  | 268 |  |  | 80,900 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Non-Pass | 59,030 |  |  | 24 |  |  | 7,546 |  |  | 40,043 |  |  | 275 |  |  | 106,918 |
Total | $ | 1,242,909 |  |  | $ | 408,234 |  |  | $ | 1,439,306 |  |  | $ | 2,041,339 |  |  | $ | 734,608 |  |  | $ | 5,866,396 |
Acquired loans |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 27,330 |  |  | $ | 4,679 |  |  | $ | 249,022 |  |  | $ | 143,512 |  |  | $ | 12,388 |  |  | $ | 436,931 |
Non-Pass |  |  |  |  |  |  |  |  |  |  |
OAEM | 211 |  |  | 545 |  |  | 528 |  |  | — |  |  | — |  |  | 1,284 |
Substandard | 1,790 |  |  | — |  |  | 2,284 |  |  | 5,247 |  |  | 12 |  |  | 9,333 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Non-Pass | 2,001 |  |  | 545 |  |  | 2,812 |  |  | 5,247 |  |  | 12 |  |  | 10,617 |
Total | $ | 29,331 |  |  | $ | 5,224 |  |  | $ | 251,834 |  |  | $ | 148,759 |  |  | $ | 12,400 |  |  | $ | 447,548 |
| December 31, 2019 |  |  |  |  |  |  |  |  |  |
| Commercial, financial, agricultural and other |  | Real estate construction |  | Residential real estate |  | Commercial real estate |  | Loans to individuals |  | Total
| (dollars in thousands) |  |  |  |  |  |  |  |  |  |
Originated loans |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 1,171,363 |  |  | $ | 442,751 |  |  | $ | 1,406,845 |  |  | $ | 1,918,690 |  |  | $ | 685,108 |  |  | $ | 5,624,757 |
Non-Pass |  |  |  |  |  |  |  |  |  |  |
OAEM | 29,359 |  |  | 26 |  |  | 475 |  |  | 13,533 |  |  | — |  |  | 43,393 |
Substandard | 11,304 |  |  | — |  |  | 8,488 |  |  | 26,123 |  |  | 308 |  |  | 46,223 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Non-Pass | 40,663 |  |  | 26 |  |  | 8,963 |  |  | 39,656 |  |  | 308 |  |  | 89,616 |
Total | $ | 1,212,026 |  |  | $ | 442,777 |  |  | $ | 1,415,808 |  |  | $ | 1,958,346 |  |  | $ | 685,416 |  |  | $ | 5,714,373 |
Acquired loans |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 27,696 |  |  | $ | 5,697 |  |  | $ | 262,630 |  |  | $ | 153,814 |  |  | $ | 13,947 |  |  | $ | 463,784 |
Non-Pass |  |  |  |  |  |  |  |  |  |  |
OAEM | 2,009 |  |  | 565 |  |  | 537 |  |  | 2,072 |  |  | — |  |  | 5,183 |
Substandard | 122 |  |  | — |  |  | 2,387 |  |  | 3,287 |  |  | 12 |  |  | 5,808 |
Doubtful | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total Non-Pass | 2,131 |  |  | 565 |  |  | 2,924 |  |  | 5,359 |  |  | 12 |  |  | 10,991 |
Total | $ | 29,827 |  |  | $ | 6,262 |  |  | $ | 265,554 |  |  | $ | 159,173 |  |  | $ | 13,959 |  |  | $ | 474,775 |
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 March 31, 2020 and December 31, 2019. 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.
| March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |
| 30 - 59 days past due |  | 60 - 89 days past due |  | 90 days or greater and still accruing |  | Nonaccrual |  | Total past due and nonaccrual |  | Current |  | Total
| (dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |
Originated loans |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | $ | 417 |  |  | $ | 71 |  |  | $ | 28 |  |  | $ | 7,154 |  |  | $ | 7,670 |  |  | $ | 1,235,239 |  |  | $ | 1,242,909 |
Real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 408,234 |  |  | 408,234 |
Residential real estate | 3,350 |  |  | 1,036 |  |  | 506 |  |  | 6,160 |  |  | 11,052 |  |  | 1,428,254 |  |  | 1,439,306 |
Commercial real estate | 375 |  |  | 66 |  |  | 31 |  |  | 34,021 |  |  | 34,493 |  |  | 2,006,846 |  |  | 2,041,339 |
Loans to individuals | 3,145 |  |  | 885 |  |  | 720 |  |  | 267 |  |  | 5,017 |  |  | 729,591 |  |  | 734,608 |
Total | $ | 7,287 |  |  | $ | 2,058 |  |  | $ | 1,285 |  |  | $ | 47,602 |  |  | $ | 58,232 |  |  | $ | 5,808,164 |  |  | $ | 5,866,396 |
Acquired loans |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 74 |  |  | $ | 74 |  |  | $ | 29,257 |  |  | $ | 29,331 |
Real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5,224 |  |  | 5,224 |
Residential real estate | 513 |  |  | 313 |  |  | 66 |  |  | 1,850 |  |  | 2,742 |  |  | 249,092 |  |  | 251,834 |
Commercial real estate | 434 |  |  | — |  |  | 49 |  |  | 2,093 |  |  | 2,576 |  |  | 146,183 |  |  | 148,759 |
Loans to individuals | 73 |  |  | 5 |  |  | 27 |  |  | 12 |  |  | 117 |  |  | 12,283 |  |  | 12,400 |
Total | $ | 1,020 |  |  | $ | 318 |  |  | $ | 142 |  |  | $ | 4,029 |  |  | $ | 5,509 |  |  | $ | 442,039 |  |  | $ | 447,548 |
| December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
| 30 - 59 days past due |  | 60 - 89 days past due |  | 90 days or greater and still accruing |  | Nonaccrual |  | Total past due and nonaccrual |  | Current |  | Total
| (dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |
Originated loans |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | $ | 391 |  |  | $ | 57 |  |  | $ | 140 |  |  | $ | 8,780 |  |  | $ | 9,368 |  |  | $ | 1,202,658 |  |  | $ | 1,212,026 |
Real estate construction | 198 |  |  | — |  |  | 9 |  |  | — |  |  | 207 |  |  | 442,570 |  |  | 442,777 |
Residential real estate | 3,757 |  |  | 749 |  |  | 736 |  |  | 6,646 |  |  | 11,888 |  |  | 1,403,920 |  |  | 1,415,808 |
Commercial real estate | 227 |  |  | 114 |  |  | — |  |  | 6,609 |  |  | 6,950 |  |  | 1,951,396 |  |  | 1,958,346 |
Loans to individuals | 4,070 |  |  | 1,020 |  |  | 931 |  |  | 307 |  |  | 6,328 |  |  | 679,088 |  |  | 685,416 |
Total | $ | 8,643 |  |  | $ | 1,940 |  |  | $ | 1,816 |  |  | $ | 22,342 |  |  | $ | 34,741 |  |  | $ | 5,679,632 |  |  | $ | 5,714,373 |
Acquired loans |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | $ | 1 |  |  | $ | — |  |  | $ | 1 |  |  | $ | 74 |  |  | $ | 76 |  |  | $ | 29,751 |  |  | $ | 29,827 |
Real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,262 |  |  | 6,262 |
Residential real estate | 304 |  |  | 207 |  |  | 221 |  |  | 1,949 |  |  | 2,681 |  |  | 262,873 |  |  | 265,554 |
Commercial real estate | — |  |  | 107 |  |  | — |  |  | 298 |  |  | 405 |  |  | 158,768 |  |  | 159,173 |
Loans to individuals | 87 |  |  | 89 |  |  | 35 |  |  | 12 |  |  | 223 |  |  | 13,736 |  |  | 13,959 |
Total | $ | 392 |  |  | $ | 403 |  |  | $ | 257 |  |  | $ | 2,333 |  |  | $ | 3,385 |  |  | $ | 471,390 |  |  | $ | 474,775 |
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 March 31, 2020 and December 31, 2019. 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 using month-end balances of the loans for the period reported and are included in the table below based on their period-end allowance position.
| March 31, 2020 |  |  |  |  |  | December 31, 2019 |  |  |  |
| Recorded investment |  | Unpaid principal balance |  | Related allowance |  | Recorded investment |  | Unpaid principal balance |  | Related allowance
| (dollars in thousands) |  |  |  |  |  |  |  |  |  |
Originated loans: |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | $ | 958 |  |  | $ | 1,143 |  |  |  |  |  | $ | 1,848 |  |  | $ | 6,997 |  |  |  |
Real estate construction | — |  |  | — |  |  |  |  |  | — |  |  | — |  |  |  |
Residential real estate | 9,909 |  |  | 12,056 |  |  |  |  |  | 10,372 |  |  | 12,437 |  |  |  |
Commercial real estate | 4,447 |  |  | 4,965 |  |  |  |  |  | 3,015 |  |  | 3,210 |  |  |  |
Loans to individuals | 473 |  |  | 840 |  |  |  |  |  | 406 |  |  | 640 |  |  |  |
Subtotal | 15,787 |  |  | 19,004 |  |  |  |  |  | 15,641 |  |  | 23,284 |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | 7,469 |  |  | 14,780 |  |  | $ | 2,727 |  |  | 8,290 |  |  | 10,032 |  |  | $ | 1,580 |
Real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate | 255 |  |  | 358 |  |  | — |  |  | 474 |  |  | 498 |  |  | 1 |
Commercial real estate | 31,451 |  |  | 31,484 |  |  | 6,868 |  |  | 5,293 |  |  | 5,308 |  |  | 851 |
Loans to individuals | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Subtotal | 39,175 |  |  | 46,622 |  |  | 9,595 |  |  | 14,057 |  |  | 15,838 |  |  | 2,432 |
Total | $ | 54,962 |  |  | $ | 65,626 |  |  | $ | 9,595 |  |  | $ | 29,698 |  |  | $ | 39,122 |  |  | $ | 2,432 |
| March 31, 2020 |  |  |  |  |  | December 31, 2019 |  |  |  |
| Recorded investment |  | Unpaid principal balance |  | Related allowance |  | Recorded investment |  | Unpaid principal balance |  | Related allowance
| (dollars in thousands) |  |  |  |  |  |  |  |  |  |
Acquired loans |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | $ | 74 |  |  | $ | 74 |  |  |  |  | $ | 73 |  |  | $ | 73 |  |  |
Real estate construction | — |  |  | — |  |  |  |  | — |  |  | — |  |  |
Residential real estate | 2,000 |  |  | 2,468 |  |  |  |  | 2,136 |  |  | 2,585 |  |  |
Commercial real estate | 245 |  |  | 261 |  |  |  |  | 298 |  |  | 320 |  |  |
Loans to individuals | 12 |  |  | 15 |  |  |  |  | 12 |  |  | 15 |  |  |
Subtotal | 2,331 |  |  | 2,818 |  |  |  |  | 2,519 |  |  | 2,993 |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | — |  |  | — |  |  | $ | — |  |  | — |  |  | — |  |  | $ | — |
Real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 1,847 |  |  | 1,862 |  |  | 204 |  |  | — |  |  | — |  |  | — |
Loans to individuals | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Subtotal | 1,847 |  |  | 1,862 |  |  | 204 |  |  | — |  |  | — |  |  | — |
Total | $ | 4,178 |  |  | $ | 4,680 |  |  | $ | 204 |  |  | $ | 2,519 |  |  | $ | 2,993 |  |  | $ | — |
| For the Three Months Ended March 31, |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 2020 |  |  |  |  |  |  |  | 2019 |  |  |  |  |  |
| Originated Loans |  |  |  | Acquired Loans |  |  |  | Originated Loans |  |  |  | Acquired Loans |  |
| Average recorded investment |  | Interest income recognized |  | Average recorded investment |  | Interest income recognized |  | 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 | $ | 925 |  |  | $ | 4 |  |  | $ | 74 |  |  | $ | — |  |  | $ | 2,707 |  |  | $ | 13 |  |  | $ | 439 |  |  | $ | — |
Real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate | 10,529 |  |  | 78 |  |  | 2,090 |  |  | 2 |  |  | 10,798 |  |  | 72 |  |  | 1,981 |  |  | 1 |
Commercial real estate | 4,086 |  |  | 22 |  |  | 229 |  |  | — |  |  | 3,994 |  |  | 36 |  |  | 982 |  |  | 1 |
Loans to individuals | 445 |  |  | 3 |  |  | 12 |  |  | — |  |  | 324 |  |  | 1 |  |  | 14 |  |  | — |
Subtotal | 15,985 |  |  | 107 |  |  | 2,405 |  |  | 2 |  |  | 17,823 |  |  | 122 |  |  | 3,416 |  |  | 2 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | 7,838 |  |  | 18 |  |  | — |  |  | — |  |  | 3,068 |  |  | 3 |  |  | — |  |  | — |
Real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate | 325 |  |  | — |  |  | — |  |  | — |  |  | 604 |  |  | 5 |  |  | — |  |  | — |
Commercial real estate | 13,114 |  |  | 1 |  |  | 616 |  |  | — |  |  | 3,278 |  |  | 1 |  |  | — |  |  | — |
Loans to individuals | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Subtotal | 21,277 |  |  | 19 |  |  | 616 |  |  | — |  |  | 6,950 |  |  | 9 |  |  | — |  |  | — |
Total | $ | 37,262 |  |  | $ | 126 |  |  | $ | 3,021 |  |  | $ | 2 |  |  | $ | 24,773 |  |  | $ | 131 |  |  | $ | 3,416 |  |  | $ | 2 |
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:
| March 31, 2020 |  | December 31, 2019
| (dollars in thousands) |  |
Troubled debt restructured loans |  |  |
Accrual status | $ | 7,509 |  |  | $ | 7,542 |
Nonaccrual status | 5,522 |  |  | 6,037 |
Total | $ | 13,031 |  |  | $ | 13,579 |
Commitments |  |  |
Letters of credit | $ | 60 |  |  | $ | 60 |
Unused lines of credit | 213 |  |  | 163 |
Total | $ | 273 |  |  | $ | 223 |
The following tables provide detail, including specific reserves and reasons for modification, related to loans identified as troubled debt restructurings:
| For the Three Months Ended March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 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 | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Residential real estate | 2 |  |  | — |  |  | — |  |  | 118 |  |  | 118 |  |  | 117 |  |  | — |
Commercial real estate | 2 |  |  | — |  |  | — |  |  | 12 |  |  | 12 |  |  | 12 |  |  | — |
Loans to individuals | 8 |  |  | — |  |  | 18 |  |  | 129 |  |  | 147 |  |  | 144 |  |  | — |
Total | 12 |  |  | $ | — |  |  | $ | 18 |  |  | $ | 259 |  |  | $ | 277 |  |  | $ | 273 |  |  | $ | — |
| For the Three Months Ended March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
|  |  | 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 |  |  | $ | — |  |  | $ | — |  |  | $ | 61 |  |  | $ | 61 |  |  | $ | 62 |  |  | $ | — |
Residential real estate | 6 |  |  | 17 |  |  | 49 |  |  | 514 |  |  | 580 |  |  | 570 |  |  | 40 |
Commercial real estate | 2 |  |  | — |  |  | 556 |  |  | 242 |  |  | 798 |  |  | 767 |  |  | — |
Loans to individuals | 3 |  |  | — |  |  | — |  |  | 48 |  |  | 48 |  |  | 46 |  |  | — |
Total | 12 |  |  | $ | 17 |  |  | $ | 605 |  |  | $ | 865 |  |  | $ | 1,487 |  |  | $ | 1,445 |  |  | $ | 40 |
The troubled debt restructurings included in the above tables are also included in the impaired loan tables provided earlier in this note. Loans defined as modified due to a change in rate may include loans that were modified for a change in rate as well as a re-amortization of the principal and an extension of the maturity. For the three months ended March 31, 2020 and 2019, $18 thousand and $0.6 million, respectively, of total rate modifications represent loans with modifications to the rate as well as payment as a result of re-amortization. For both 2020 and 2019 the changes in loan balances between the pre-modification balance and the post-modification balance are due to customer payments.
Troubled Debt Restructuring Subsequent Default [Table Text Block] | A troubled debt restructuring is considered to be in default when a restructured loan is 90 days or more past due. The following table provides information related to loans that were restructured within the past twelve months and that were considered to be in default during the three months ended March 31:
| 2020 |  |  |  | 2019 |  |
| Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
| (dollars in thousands) |  |  |  |  |  |
Residential real estate | 1 |  |  | $ | 71 |  |  | — |  |  | $ | — |
Loans to individuals | — |  |  | — |  |  | 1 |  |  | 10 |
Total | 1 |  |  | $ | 71 |  |  | 1 |  |  | $ | 10 |
Allowance for Credit Losses | he following tables provide detail related to the allowance for credit losses:
| For the Three Months Ended March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |
| 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: |  |  |  |  |  |  |  |  |  |  |  |  |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 20,221 |  |  | $ | 2,558 |  |  | $ | 4,091 |  |  | $ | 19,731 |  |  | $ | 4,984 |  |  |  |  | $ | 51,585 |
Charge-offs | (486) |  |  | — |  |  | (552) |  |  | (265) |  |  | (2,483) |  |  |  |  | (3,786) |
Recoveries | 68 |  |  | — |  |  | 62 |  |  | 44 |  |  | 212 |  |  |  |  | 386 |
Provision (credit) | 7,575 |  |  | 294 |  |  | 4,123 |  |  | 11,755 |  |  | 5,555 |  |  |  |  | 29,302 |
Ending balance | 27,378 |  |  | 2,852 |  |  | 7,724 |  |  | 31,265 |  |  | 8,268 |  |  |  |  | 77,487 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | 13 |  |  | — |  |  | 2 |  |  | 37 |  |  | — |  |  |  |  | 52 |
Charge-offs | — |  |  | — |  |  | (25) |  |  | (1) |  |  | (136) |  |  |  |  | (162) |
Recoveries | 13 |  |  | — |  |  | 13 |  |  | — |  |  | 7 |  |  |  |  | 33 |
Provision (credit) | 324 |  |  | — |  |  | 10 |  |  | 1,202 |  |  | 129 |  |  |  |  | 1,665 |
Ending balance | 350 |  |  | — |  |  | — |  |  | 1,238 |  |  | — |  |  |  |  | 1,588 |
Total ending balance | $ | 27,728 |  |  | $ | 2,852 |  |  | $ | 7,724 |  |  | $ | 32,503 |  |  | $ | 8,268 |  |  |  |  | $ | 79,075 |
Ending balance: individually evaluated for impairment | $ | 2,727 |  |  | $ | — |  |  | $ | — |  |  | $ | 7,072 |  |  | $ | — |  |  |  |  | $ | 9,799 |
Ending balance: collectively evaluated for impairment | 25,001 |  |  | 2,852 |  |  | 7,724 |  |  | 25,431 |  |  | 8,268 |  |  |  |  | 69,276 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | 1,272,240 |  |  | 413,458 |  |  | 1,691,140 |  |  | 2,190,098 |  |  | 747,008 |  |  |  |  | 6,313,944 |
Ending balance: individually evaluated for impairment | 7,544 |  |  | — |  |  | 1,506 |  |  | 36,513 |  |  | — |  |  |  |  | 45,563 |
Ending balance: collectively evaluated for impairment | 1,264,696 |  |  | 413,458 |  |  | 1,689,634 |  |  | 2,153,585 |  |  | 747,008 |  |  |  |  | 6,268,381 |
| For the Three Months Ended March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
| 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: |  |  |  |  |  |  |  |  |  |  |  |  |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 19,235 |  |  | $ | 2,002 |  |  | $ | 3,934 |  |  | $ | 18,382 |  |  | $ | 4,033 |  |  |  |  | $ | 47,586 |
Charge-offs | (483) |  |  | — |  |  | (136) |  |  | (299) |  |  | (1,110) |  |  |  |  | (2,028) |
Recoveries | 76 |  |  | 42 |  |  | 81 |  |  | 41 |  |  | 114 |  |  |  |  | 354 |
Provision (credit) | 987 |  |  | 210 |  |  | 271 |  |  | 1,094 |  |  | 1,126 |  |  |  |  | 3,688 |
Ending balance | 19,815 |  |  | 2,254 |  |  | 4,150 |  |  | 19,218 |  |  | 4,163 |  |  |  |  | 49,600 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | 139 |  |  | — |  |  | 35 |  |  | 4 |  |  | — |  |  |  |  | 178 |
Charge-offs | (526) |  |  | — |  |  | (45) |  |  | — |  |  | (5) |  |  |  |  | (576) |
Recoveries | 11 |  | — |  | — |  |  | 24 |  |  | — |  |  | 9 |  |  |  |  | 44 |
Provision (credit) | 394 |  |  | — |  |  | 21 |  |  | (4) |  |  | (4) |  |  |  |  | 407 |
Ending balance | 18 |  |  | — |  |  | 35 |  |  | — |  |  | — |  |  |  |  | 53 |
Total ending balance | $ | 19,833 |  |  | $ | 2,254 |  |  | $ | 4,185 |  |  | $ | 19,218 |  |  | $ | 4,163 |  |  |  |  | $ | 49,653 |
Ending balance: individually evaluated for impairment | $ | 1,012 |  |  | $ | — |  |  | $ | 119 |  |  | $ | 914 |  |  | $ | — |  |  |  |  | $ | 2,045 |
Ending balance: collectively evaluated for impairment | 18,821 |  |  | 2,254 |  |  | 4,066 |  |  | 18,304 |  |  | 4,163 |  |  |  |  | 47,608 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | 1,180,320 |  |  | 389,387 |  |  | 1,565,349 |  |  | 2,138,376 |  |  | 597,638 |  |  |  |  | 5,871,070 |
Ending balance: individually evaluated for impairment | 5,627 |  |  | — |  |  | 3,938 |  |  | 11,111 |  |  | — |  |  |  |  | 20,676 |
Ending balance: collectively evaluated for impairment | 1,174,693 |  |  | 389,387 |  |  | 1,561,411 |  |  | 2,127,265 |  |  | 597,638 |  |  |  |  | 5,850,394 |

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