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LOANS AND LEASES (Tables)

12 Months Ended

Dec. 31, 2014

LOANS AND LEASES

Schedule of loans and leases, excluding loans held for sale

		December 31,
		2014			2013
		(Dollars in thousands)
Commercial, financial & agricultural		$	463,070		$	398,365
Real estate:
Construction		115,023			75,927
Mortgage - residential		1,280,089			1,135,155
Mortgage - commercial		704,099			703,800
Consumer		365,662			311,670
Leases		3,140			6,241
		2,931,083			2,631,158
Net deferred costs (income)		1,115			(557		)
Total loans and leases		$	2,932,198		$	2,630,601

Schedule of activity of loans made to certain directors, executive officers and their affiliates

		December 31,
		2014			2013
		(Dollars in thousands)
Balance, beginning of year		$	12,942		$	1,501
Additions		19,448			17,487
Repayments		(3,159		)	(6,046		)
Balance, end of year		$	29,231		$	12,942

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)
December 31, 2014
Allowance for loan and lease losses:
Ending balance attributable to loans:
Individually evaluated for impairment		$	1,533		$	—		$	—		$	—		$	—		$	—		$	1,533
Collectively evaluated for impairment		7,421			14,969			17,927			20,869			7,314			7			68,507
		8,954			14,969			17,927			20,869			7,314			7			70,040
Unallocated																				4,000
Total ending balance		$	8,954		$	14,969		$	17,927		$	20,869		$	7,314		$	7		$	74,040
Loans and leases:
Individually evaluated for impairment		$	13,369		$	4,888		$	30,893		$	23,126		$	—		$	—		$	72,276
Collectively evaluated for impairment		449,701			110,135			1,249,196			680,973			365,662			3,140			2,858,807
		463,070			115,023			1,280,089			704,099			365,662			3,140			2,931,083
Net deferred costs (income)		693			(469		)	2,235			(826		)	(518		)	—			1,115
Total ending balance		$	463,763		$	114,554		$	1,282,324		$	703,273		$	365,144		$	3,140		$	2,932,198
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)
December 31, 2014
Impaired loans with no related allowance recorded:
Commercial, financial & agricultural		$	738		$	738		$	—
Real estate:
Construction		11,275			4,888			—
Mortgage - residential		34,131			30,893			—
Mortgage - commercial		30,249			23,126			—
Total impaired loans with no related allowance recorded		76,393			59,645			—
Impaired loans with an allowance recorded:
Commercial, financial & agricultural		16,630			12,631			1,533
Total impaired loans with an allowance recorded		16,630			12,631			1,533
Total		$	93,023		$	72,276		$	1,533
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

		Average Recorded Investment			Interest Income Recognized
		(Dollars in thousands)
December 31, 2014
Commercial, financial & agricultural		$	14,303		$	22
Real estate:
Construction		5,517			163
Mortgage - residential		33,102			627
Mortgage - commercial		18,692			397
Total		$	71,614		$	1,209
December 31, 2013
Commercial, financial & agricultural		$	4,138		$	24
Real estate:
Construction		24,545			1,442
Mortgage - residential		38,325			586
Mortgage - commercial		21,160			833
Leases		33			—
Total		$	88,201		$	2,885
December 31, 2012
Commercial, financial & agricultural		$	3,486		$	39
Real estate:
Construction		56,762			771
Mortgage - residential		47,154			298
Mortgage - commercial		18,938			516
Leases		133			—
Total		$	126,473		$	1,624

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

		30 - 59 Days Past Due			60 - 89 Days Past Due			Accruing Loans Greater Than 90 Days Past Due			Nonaccrual Loans			Total Past Due			Loans and Leases Not Past Due			Total
		(Dollars in thousands)
December 31, 2014
Commercial, financial & agricultural		$	183		$	85		$	—		$	13,007		$	13,275		$	450,488		$	463,763
Real estate:
Construction		—			—			—			310			310			114,244			114,554
Mortgage - residential		3,078			379			—			13,048			16,505			1,265,819			1,282,324
Mortgage - commercial		68			—			—			12,722			12,790			690,483			703,273
Consumer		1,500			417			77			—			1,994			363,150			365,144
Leases		—			—			—			—			—			3,140			3,140
Total		$	4,829		$	881		$	77		$	39,087		$	44,874		$	2,887,324		$	2,932,198
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)
Year ended December 31, 2014
Real estate - mortgage - residential		$	12		$	790		$	—
Year ended December 31, 2013
Commercial, financial & agricultural		1			$	517		$	—
Real estate:
Construction		1			178			—
Mortgage - residential		7			2,566			—
Mortgage - commercial		1			8,952			—
Total		10			$	12,213		$	—

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

		Year Ended December 31,
		2014					2013
		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		$	517
Real estate - mortgage - residential		1		25			—		—
Total		1		$	25		1		$	517

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)
December 31, 2014
Commercial, financial & agricultural		$	432,892		$	14,655		$	15,523		$	463,070		$	693		$	463,763
Real estate:
Construction		111,370			—			3,653			115,023			(469		)	114,554
Mortgage - residential		1,265,470			352			14,267			1,280,089			2,235			1,282,324
Mortgage - commercial		660,492			10,498			33,109			704,099			(826		)	703,273
Consumer		365,332			294			36			365,662			(518		)	365,144
Leases		3,140			—			—			3,140			—			3,140
Total		$	2,838,696		$	25,799		$	66,588		$	2,931,083		$	1,115		$	2,932,198
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 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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