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LOANS AND LEASES (Tables)

9 Months Ended

Sep. 30, 2014

LOANS AND LEASES

Schedule of loans and leases, excluding loans held for sale

		September 30,			December 31,
		2014			2013
		(Dollars in thousands)
Commercial, financial and agricultural		$	441,697		$	398,365
Real estate:
Construction		109,617			75,927
Mortgage - residential		1,249,717			1,135,155
Mortgage - commercial		697,448			703,800
Consumer		371,693			311,670
Leases		3,691			6,241
		2,873,863			2,631,158
Net deferred costs (income)		892			(557		)
Total loans and leases		$	2,874,755		$	2,630,601

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, 2014
Allowance for loan and lease losses:
Ending balance attributable to loans:
Individually evaluated for impairment		$	2,778		$	—		$	—		$	—		$	—		$	—		$	2,778
Collectively evaluated for impairment		9,086			14,897			19,269			24,527			8,269			12			76,060
		11,864			14,897			19,269			24,527			8,269			12			78,838
Unallocated																				4,000
Total ending balance		$	11,864		$	14,897		$	19,269		$	24,527		$	8,269		$	12		$	82,838
Loans and leases:
Individually evaluated for impairment		$	15,998		$	5,017		$	30,671		$	23,727		$	—		$	—		$	75,413
Collectively evaluated for impairment		425,699			104,600			1,219,046			673,721			371,693			3,691			2,798,450
		441,697			109,617			1,249,717			697,448			371,693			3,691			2,873,863
Net deferred costs (income)		634			(377		)	2,091			(874		)	(582		)	—			892
Total ending balance		$	442,331		$	109,240		$	1,251,808		$	696,574		$	371,111		$	3,691		$	2,874,755
December 31, 2013
Allowance for loan and lease losses:
Ending balance attributable to loans:
Individually evaluated for impairment		$	349		$	—		$	—		$	—		$	—		$	—		$	349
Collectively evaluated for impairment		12,847			2,774			25,272			29,947			6,576			55			77,471
		13,196			2,774			25,272			29,947			6,576			55			77,820
Unallocated																				6,000
Total ending balance		$	13,196		$	2,774		$	25,272		$	29,947		$	6,576		$	55		$	83,820
Loans and leases:
Individually evaluated for impairment		$	3,939		$	8,065		$	36,779		$	16,271		$	—		$	—		$	65,054
Collectively evaluated for impairment		394,426			67,862			1,098,376			687,529			311,670			6,241			2,566,104
		398,365			75,927			1,135,155			703,800			311,670			6,241			2,631,158
Net deferred costs (income)		351			(311		)	1,418			(1,033		)	(982		)	—			(557		)
Total ending balance		$	398,716		$	75,616		$	1,136,573		$	702,767		$	310,688		$	6,241		$	2,630,601

Schedule of impaired loans, by class

		Unpaid Principal Balance			Recorded Investment			Allowance Allocated
		(Dollars in thousands)
September 30, 2014
Impaired loans with no related allowance recorded:
Commercial, financial & agricultural		$	3,113		$	3,113		$	—
Real estate:
Construction		11,404			5,017			—
Mortgage - residential		33,909			30,671			—
Mortgage - commercial		30,850			23,727			—
Total impaired loans with no related allowance recorded		79,276			62,528			—
Impaired loans with an allowance recorded:
Commercial, financial & agricultural		14,353			12,885			2,778
Total impaired loans with an allowance recorded		14,353			12,885			2,778
Total		$	93,629		$	75,413		$	2,778
December 31, 2013
Impaired loans with no related allowance recorded:
Commercial, financial & agricultural		$	1,069		$	1,040		$	—
Real estate:
Construction		14,451			8,065			—
Mortgage - residential		41,117			36,779			—
Mortgage - commercial		22,353			16,271			—
Total impaired loans with no related allowance recorded		78,990			62,155			—
Impaired loans with an allowance recorded:
Commercial, financial & agricultural		4,367			2,899			349
Total impaired loans with an allowance recorded		4,367			2,899			349
Total		$	83,357		$	65,054		$	349

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

		Three Months Ended September 30,												Nine Months Ended September 30,
		2014						2013						2014						2013
		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		$	16,377		$	6		$	4,104		$	6		$	14,031		$	17		$	4,189		$	18
Real estate:
Construction		5,088			43			20,812			942			5,712			119			28,149			1,409
Mortgage - residential		31,460			85			36,151			15			33,762			522			38,840			343
Mortgage - commercial		19,195			137			19,513			350			17,147			252			22,355			532
Leases		—			—			—			—			—			—			43			—
Total		$	72,120		$	271		$	80,580		$	1,313		$	70,652		$	910		$	93,576		$	2,302

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, 2014
Commercial, financial & agricultural		$	633		$	151		$	—		$	15,625		$	16,409		$	425,922		$	442,331
Real estate:
Construction		—			—			—			324			324			108,916			109,240
Mortgage - residential		199			1,168			—			12,691			14,058			1,237,750			1,251,808
Mortgage - commercial		—			273			—			13,056			13,329			683,245			696,574
Consumer		1,115			494			62			—			1,671			369,440			371,111
Leases		—			—			—			—			—			3,691			3,691
Total		$	1,947		$	2,086		$	62		$	41,696		$	45,791		$	2,828,964		$	2,874,755
December 31, 2013
Commercial, financial & agricultural		$	50		$	—		$	—		$	3,533		$	3,583		$	395,133		$	398,716
Real estate:
Construction		—			120			—			4,015			4,135			71,481			75,616
Mortgage - residential		3,898			1,885			—			20,271			26,054			1,110,519			1,136,573
Mortgage - commercial		544			—			—			13,769			14,313			688,454			702,767
Consumer		577			92			—			—			669			310,019			310,688
Leases		—			—			15			—			15			6,226			6,241
Total		$	5,069		$	2,097		$	15		$	41,588		$	48,769		$	2,581,832		$	2,630,601

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, 2014
Real estate mortgage - residential		3		$	220		$	—
Three Months Ended September 30, 2013
Real estate:
Mortgage - residential		1		$	241		$	—
Mortgage - commercial		1		9,099			—
Total		2		$	9,340		$	—
Nine Months Ended September 30, 2014
Real estate mortgage - residential		12		$	806		$	—
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		$	—

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

		Nine Months Ended
		September 30, 2013
		Number of  Contracts		Recorded  Investment (as  of Period End)
		(Dollars in thousands)
Real estate mortgage - residential		1		$	354

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

		Pass			Special  Mention			Substandard			Subtotal			Net Deferred  Costs  (Income)			Total
		(Dollars in thousands)
September 30, 2014
Commercial, financial & agricultural		$	412,141		$	10,361		$	19,195		$	441,697		$	634		$	442,331
Real estate:
Construction		105,739			—			3,878			109,617			(377		)	109,240
Mortgage - residential		1,235,974			437			13,306			1,249,717			2,091			1,251,808
Mortgage - commercial		660,795			4,909			31,744			697,448			(874		)	696,574
Consumer		371,381			—			312			371,693			(582		)	371,111
Leases		3,691			—			—			3,691			—			3,691
Total		$	2,789,721		$	15,707		$	68,435		$	2,873,863		$	892		$	2,874,755
December 31, 2013
Commercial, financial & agricultural		$	371,285		$	21,511		$	5,569		$	398,365		$	351		$	398,716
Real estate:
Construction		67,435			4,477			4,015			75,927			(311		)	75,616
Mortgage - residential		1,113,363			361			21,431			1,135,155			1,418			1,136,573
Mortgage - commercial		651,761			20,690			31,349			703,800			(1,033		)	702,767
Consumer		311,670			—			—			311,670			(982		)	310,688
Leases		6,241			—			—			6,241			—			6,241
Total		$	2,521,755		$	47,039		$	62,364		$	2,631,158		$	(557	)	$	2,630,601

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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 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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