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LOANS AND LEASES (Tables)

6 Months Ended

Jun. 30, 2013

LOANS AND LEASES

Schedule of loans and leases, excluding loans held for sale

		June 30,			December 31,
		2013			2012
		(Dollars in thousands)
Commercial, financial and agricultural		$	316,515		$	246,278
Real estate:
Construction		79,716			96,240
Mortgage - residential		1,133,958			1,035,273
Mortgage - commercial		638,080			673,506
Consumer		198,378			143,387
Leases		7,460			10,504
		2,374,107			2,205,188
Unearned income		(1,030		)	(1,244		)
Total loans and leases		$	2,373,077		$	2,203,944

Schedule of balance in the allowance for loan and lease losses and the recorded investment in loans and lease based on the impairment measurement methods, by class

		Commercial,			Real estate
		Financial & Agricultural			Construction			Mortgage - Residential			Mortgage - Commercial			Consumer			Leases			Total
		(Dollars in thousands)
June 30, 2013
Allowance for loan and lease losses:
Ending balance attributable to loans:
Individually evaluated for impairment		$	457		$	3,445		$	—		$	—		$	—		$	—		$	3,902
Collectively evaluated for impairment		9,196			3,015			25,613			35,461			3,848			70			77,203
		9,653			6,460			25,613			35,461			3,848			70			81,105
Unallocated																				6,000
Total ending balance		$	9,653		$	6,460		$	25,613		$	35,461		$	3,848		$	70		$	87,105
Loans and leases:
Individually evaluated for impairment		$	4,224		$	26,621		$	36,163		$	17,035		$	—		$	—		$	84,043
Collectively evaluated for impairment		312,291			53,095			1,097,795			621,045			198,378			7,460			2,290,064
		316,515			79,716			1,133,958			638,080			198,378			7,460			2,374,107
Unearned income		(117		)	(189		)	865			(1,151		)	(438		)	—			(1,030		)
Total ending balance		$	316,398		$	79,527		$	1,134,823		$	636,929		$	197,940		$	7,460		$	2,373,077
December 31, 2012
Allowance for loan and lease losses:
Ending balance attributable to loans:
Individually evaluated for impairment		$	882		$	1,582		$	272		$	270		$	—		$	5		$	3,011
Collectively evaluated for impairment		4,105			2,928			29,638			48,230			2,421			80			87,402
		4,987			4,510			29,910			48,500			2,421			85			90,413
Unallocated																				6,000
Total ending balance		$	4,987		$	4,510		$	29,910		$	48,500		$	2,421		$	85		$	96,413
Loans and leases:
Individually evaluated for impairment		$	3,957		$	48,264		$	42,865		$	15,911		$	—		$	95		$	111,092
Collectively evaluated for impairment		242,321			47,976			992,408			657,595			143,387			10,409			2,094,096
		246,278			96,240			1,035,273			673,506			143,387			10,504			2,205,188
Unearned income		(60		)	(46		)	124			(1,258		)	(4		)	—			(1,244		)
Total ending balance		$	246,218		$	96,194		$	1,035,397		$	672,248		$	143,383		$	10,504		$	2,203,944

Schedule of impaired loans, by class

		Unpaid Principal Balance			Recorded Investment			Allowance Allocated
		(Dollars in thousands)
June 30, 2013
Impaired loans with no related allowance recorded:
Commercial, financial & agricultural		$	1,406		$	1,205		$	—
Real estate:
Construction		25,704			15,021			—
Mortgage - residential		42,059			36,163			—
Mortgage - commercial		20,325			17,035			—
Total impaired loans with no related allowance recorded		89,494			69,424			—
Impaired loans with an allowance recorded:
Commercial, financial & agricultural		4,499			3,019			457
Real estate:
Construction		13,678			11,600			3,445
Total impaired loans with an allowance recorded		18,177			14,619			3,902
Total		$	107,671		$	84,043		$	3,902
December 31, 2012
Impaired loans with no related allowance recorded:
Commercial, financial & agricultural		$	1,225		$	526		$	—
Real estate:
Construction		52,352			36,664			—
Mortgage - residential		47,364			41,894			—
Mortgage - commercial		13,616			13,211			—
Total impaired loans with no related allowance recorded		114,557			92,295			—
Impaired loans with an allowance recorded:
Commercial, financial & agricultural		4,807			3,431			882
Real estate:
Construction		13,678			11,600			1,582
Mortgage - residential		1,935			971			272
Mortgage - commercial		3,939			2,700			270
Leases		95			95			5
Total impaired loans with an allowance recorded		24,454			18,797			3,011
Total		$	139,011		$	111,092		$	3,011

Schedule of average recorded investment and interest income recognized on impaired loans, by class

		Three Months Ended June 30,												Six Months Ended June 30,
		2013						2012						2013						2012
		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)
Commercial, financial
& agricultural		$	4,403		$	6		$	4,275		$	26		$	4,225		$	12		$	3,024		$	29
Real estate:
Construction		26,892			291			62,174			—			36,464			467			63,387			645
Mortgage - residential		37,742			197			48,817			121			40,058			328			49,438			178
Mortgage - commercial		19,148			92			22,766			146			18,338			182			20,272			168
Leases		34			—			199			—			61			—			85			—
Total		$	88,219		$	586		$	138,231		$	293		$	99,146		$	989		$	136,206		$	1,020

Schedule of aging of the recorded investment in past due loans and leases, by class

		Accruing Loans 30 - 59 Days Past Due			Accruing Loans 60 - 89 Days Past Due			Accruing Loans Greater Than 90 Days Past Due			Nonaccrual Loans			Total Past Due and Nonaccrual			Loans and Leases Not Past Due			Total
		(Dollars in thousands)
June 30, 2013
Commercial, financial & agricultural		$	209		$	75		$	—		$	3,797		$	4,081		$	312,317		$	316,398
Real estate:
Construction		—			—			—			17,086			17,086			62,441			79,527
Mortgage - residential		160			350			17			21,518			22,045			1,112,778			1,134,823
Mortgage - commercial		201			—			—			11,054			11,255			625,674			636,929
Consumer		439			89			—			—			528			197,412			197,940
Leases		—			—			—			—			—			7,460			7,460
Total		$	1,009		$	514		$	17		$	53,455		$	54,995		$	2,318,082		$	2,373,077
December 31, 2012
Commercial, financial & agricultural		$	123		$	139		$	—		$	3,510		$	3,772		$	242,446		$	246,218
Real estate:
Construction		124			—			—			38,742			38,866			57,328			96,194
Mortgage - residential		8,330			590			387			27,499			36,806			998,591			1,035,397
Mortgage - commercial		219			—			—			9,487			9,706			662,542			672,248
Consumer		249			169			116			—			534			142,849			143,383
Leases		—			—			—			94			94			10,410			10,504
Total		$	9,045		$	898		$	503		$	79,332		$	89,778		$	2,114,166		$	2,203,944

Schedule of information related to loans modifications in a TDR, by class

		Number of Contracts		Recorded Investment (as of period end)			Increase in the Allowance
		(Dollars in thousands)
Three months ended June 30, 2013
Real estate:
Construction		1		$	189		$	—
Mortgage - residential		3		1,626			—
Total		4		$	1,815		$	—
Three months ended June 30, 2012
Real estate:
Construction		4		$	1,603		$	—
Mortgage - residential		1		351			—
Mortgage - commercial		2		3,438			—
Total		7		$	5,392		$	—
Six months ended June 30, 2013
Commercial, financial & agricultural		1		$	587		$	—
Real estate:
Construction		1		189			—
Mortgage - residential		3		1,626			—
Total		5		$	2,402		$	—
Six months ended June 30, 2012
Real estate:
Construction		4		$	1,603		$	—
Mortgage - residential		7		3,560			—
Mortgage - commercial		4		10,214			—
Total		15		$	15,377		$	—

Schedule of loans modified as a TDR within the previous twelve months that subsequently defaulted, by class

		Three Months Ended June 30,										Six Months Ended June 30,
		2013					2012					2013					2012
		Number of Contracts		Recorded Investment (as of period end)			Number of Contracts		Recorded Investment (as of period end)			Number of Contracts		Recorded Investment (as of period end)			Number of Contracts		Recorded Investment (as of period end)
		(Dollars in thousands)
Commercial, financial
& agricultural		—		$	—		—		$	—		1		$	587		—		$	—
Real estate:
Construction		1		189			4		1,603			1		189			4		1,603
Mortgage - residential		1		599			1		351			1		599			3		796
Mortgage - commercial		—					1		3,307			—		—			2		6,465
Total		2		$	788		6		$	5,261		3		$	1,375		9		$	8,864

Schedule of recorded investment in the loans and leases, by class and credit indicator

		Pass			Special Mention			Substandard			Doubtful			Loss			Not Rated			Less: Unearned Income			Total
		(Dollars in thousands)
June 30, 2013
Commercial, financial & agricultural		$	269,422		$	2,262		$	5,830		$	—		$	—		$	39,001		$	117		$	316,398
Real estate:
Construction		52,004			5,170			20,381			—			—			2,161			189			79,527
Mortgage - residential		116,890			821			24,028			—			—			992,219			(865		)	1,134,823
Mortgage - commercial		570,339			30,445			35,882			—			—			1,414			1,151			636,929
Consumer		17,214			—			15			—			—			181,149			438			197,940
Leases		7,226			163			71			—			—			—			—			7,460
Total		$	1,033,095		$	38,861		$	86,207		$	—		$	—		$	1,215,944		$	1,030		$	2,373,077
December 31, 2012
Commercial, financial & agricultural		$	192,298		$	6,609		$	7,607		$	—		$	—		$	39,764		$	60		$	246,218
Real estate:
Construction		39,623			9,635			43,986			—			—			2,996			46			96,194
Mortgage - residential		83,535			1,109			30,896			—			—			919,733			(124		)	1,035,397
Mortgage - commercial		563,813			65,114			30,754			—			—			13,825			1,258			672,248
Consumer		10,161			—			129			—			—			133,097			4			143,383
Leases		9,860			274			370			—			—			—			—			10,504
Total		$	899,290		$	82,741		$	113,742		$	—		$	—		$	1,109,415		$	1,244		$	2,203,944

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Tabular disclosure of the average recorded investment and interest income recognized on the accrual and cash basis for impaired financing receivables by class of financing receivable.

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Tabular disclosure of financing receivables that have been modified by trouble debt restructurings within the previous twelve months and for which there was a payment default.

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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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Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.

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