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LOANS AND LEASES (Tables)

9 Months Ended

Sep. 30, 2013

LOANS AND LEASES

Schedule of loans and leases, excluding loans held for sale

		September 30,			December 31,
		2013			2012
		(Dollars in thousands)
Commercial, financial and agricultural		$	367,923		$	246,278
Real estate:
Construction		73,387			96,240
Mortgage - residential		1,195,847			1,035,273
Mortgage - commercial		614,860			673,506
Consumer		226,338			143,387
Leases		6,539			10,504
		2,484,894			2,205,188
Unearned income		(576		)	(1,244		)
Total loans and leases		$	2,484,318		$	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)
September 30, 2013
Allowance for loan and lease losses:
Ending balance attributable to loans:
Individually evaluated for impairment		$	403		$	1,576		$	—		$	—		$	—		$	—		$	1,979
Collectively evaluated for impairment		12,534			2,945			26,782			30,112			4,820			56			77,249
		12,937			4,521			26,782			30,112			4,820			56			79,228
Unallocated																				6,000
Total ending balance		$	12,937		$	4,521		$	26,782		$	30,112		$	4,820		$	56		$	85,228
Loans and leases:
Individually evaluated for impairment		$	3,945		$	20,638		$	36,298		$	20,418		$	—		$	—		$	81,299
Collectively evaluated for impairment		363,978			52,749			1,159,549			594,442			226,338			6,539			2,403,595
		367,923			73,387			1,195,847			614,860			226,338			6,539			2,484,894
Unearned income		307			(184		)	1,116			(1,065		)	(750		)	—			(576		)
Total ending balance		$	368,230		$	73,203		$	1,196,963		$	613,795		$	225,588		$	6,539		$	2,484,318
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)
September 30, 2013
Impaired loans with no related allowance recorded:
Commercial, financial & agricultural		$	980		$	980		$	—
Real estate:
Construction		15,429			9,043			—
Mortgage - residential		42,191			36,298			—
Mortgage - commercial		26,395			20,418			—
Total impaired loans with no related allowance recorded		84,995			66,739			—
Impaired loans with an allowance recorded:
Commercial, financial & agricultural		4,445			2,965			403
Real estate:
Construction		13,672			11,595			1,576
Total impaired loans with an allowance recorded		18,117			14,560			1,979
Total		$	103,112		$	81,299		$	1,979
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 September 30,												Nine Months Ended September 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		$	4,104		$	6		$	3,956		$	1		$	4,189		$	18		$	3,304		$	30
Real estate:
Construction		20,812			942			48,412			83			28,149			1,409			58,893			728
Mortgage - residential		36,228			24			46,036			120			38,909			352			48,418			298
Mortgage - commercial		19,436			441			17,994			162			22,286			623			19,589			330
Leases		—			—			252			—			43			—			135			—
Total		$	80,580		$	1,413		$	116,650		$	366		$	93,576		$	2,402		$	130,339		$	1,386

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)
September 30, 2013
Commercial, financial & agricultural		$	245		$	104		$	—		$	3,529		$	3,878		$	364,352		$	368,230
Real estate:
Construction		—			—			—			16,497			16,497			56,706			73,203
Mortgage - residential		485			1,893			19			20,703			23,100			1,173,863			1,196,963
Mortgage - commercial		240			—			—			12,559			12,799			600,996			613,795
Consumer		528			140			18			—			686			224,902			225,588
Leases		—			—			—			—			—			6,539			6,539
Total		$	1,498		$	2,137		$	37		$	53,288		$	56,960		$	2,427,358		$	2,484,318
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 September 30, 2013
Real estate:
Mortgage - residential		1		$	241		$	—
Mortgage - commercial		1		9,099			—
Total		2		$	9,340		$	—
Three months ended September 30, 2012
Commercial, financial & agricultural		1		$	457		$	—
Real estate:
Construction		4		9,838			—
Mortgage - residential		3		1,226			155
Total		8		$	11,521		$	155
Nine months ended September 30, 2013
Commercial, financial & agricultural		1		$	564		$	—
Real estate:
Construction		1		184			—
Mortgage - residential		4		1,860			—
Mortgage - commercial		1		9,099			—
Total		7		$	11,707		$	—
Nine months ended September 30, 2012
Real estate:
Construction		2		$	10,593		$	3,014
Mortgage - residential		26		9,635			447
Total		28		$	20,228		$	3,461

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

		Three Months Ended September 30,										Nine Months Ended September 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		$	564		—		$	—
Real estate:
Construction		—		—			3		4,668			1		184			7		6,207
Mortgage - residential		—		—			1		93			3		1,330			4		878
Mortgage - commercial		—		—			—		—			—		—			2		6,212
Total		—		$	—		4		$	4,761		5		$	2,078		13		$	13,297

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

		Pass			Special Mention			Substandard			Doubtful			Loss			Less: Unearned Income			Total
		(Dollars in thousands)
September 30, 2013
Commercial, financial
& agricultural		$	355,519		$	6,308		$	6,096		$	—		$	—		$	(307	)	$	368,230
Real estate:
Construction		53,736			—			19,651			—			—			184			73,203
Mortgage - residential		1,171,598			1,044			23,205			—			—			(1,116		)	1,196,963
Mortgage - commercial		555,679			24,081			35,100			—			—			1,065			613,795
Consumer		226,301			—			37			—			—			750			225,588
Leases		6,539			—			—			—			—			—			6,539
Total		$	2,369,372		$	31,433		$	84,089		$	—		$	—		$	576		$	2,484,318
December 31, 2012
Commercial, financial
& agricultural		$	232,062		$	6,609		$	7,607		$	—		$	—		$	60		$	246,218
Real estate:
Construction		42,619			9,635			43,986			—			—			46			96,194
Mortgage - residential		1,003,268			1,109			30,896			—			—			(124		)	1,035,397
Mortgage - commercial		577,638			65,114			30,754			—			—			1,258			672,248
Consumer		143,258			—			129			—			—			4			143,383
Leases		9,860			274			370			—			—			—			10,504
Total		$	2,008,705		$	82,741		$	113,742		$	—		$	—		$	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 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 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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