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LOANS AND LEASES (Tables)

12 Months Ended

Dec. 31, 2016

Receivables [Abstract]

Schedule of loans and leases, excluding loans held for sale

Loans and leases, excluding loans held for sale, consisted of the following:

	December 31,
	2016				2015
	(Dollars in thousands)
Commercial, financial & agricultural	$	509,987			$	520,457
Real estate:
Construction	101,729				85,196
Mortgage:
Residential	1,213,983				1,131,882
Home equity	361,210				301,980
Commercial	886,615				761,566
Consumer:
Automobiles	212,926				190,202
Other consumer	235,684				217,822
Leases	677				1,028
Subtotal	3,522,811				3,210,133
Net deferred costs	2,079				1,399
Total loans and leases	$	3,524,890			$	3,211,532

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

In the normal course of business, our bank makes loans to certain directors, executive officers and their affiliates. An analysis of the activity of such loans follows:

	December 31,
	2016				2015
	(Dollars in thousands)
Balance, beginning of year	$	10,475			$	29,231
Additions	8,398				10,392
Repayments	(1,726		)		(20,863		)
Other changes	—				(8,285		)
Balance, end of year	$	17,147			$	10,475

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

The following tables present by class, the balance in the Allowance and the recorded investment in loans and leases based on the Company's impairment method as of December 31, 2016 and 2015:

					Real Estate
	Comm., Fin. & Ag.				Constr.				Resi. Mortgage				Home Equity				Comml. Mortgage				Consumer - Auto.				Consumer - Other				Leases				Total
	(Dollars in thousands)
December 31, 2016
Allowance:
Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Collectively evaluated for impairment	8,637				4,224				15,055				3,502				19,104				3,000				3,109				—				56,631
Total ending balance	$	8,637			$	4,224			$	15,055			$	3,502			$	19,104			$	3,000			$	3,109			$	—			$	56,631
Loans and leases:
Individually evaluated for impairment	$	1,877			$	2,936			$	19,940			$	333			$	5,637			$	—			$	—			$	—			$	30,723
Collectively evaluated for impairment	508,110				98,793				1,194,043				360,877				880,978				212,926				235,684				677				3,492,088
Subtotal	509,987				101,729				1,213,983				361,210				886,615				212,926				235,684				677				3,522,811
Net deferred costs (income)	453				(191		)		3,251				(1		)		(1,176		)		—				(257		)		—				2,079
Total ending balance	$	510,440			$	101,538			$	1,217,234			$	361,209			$	885,439			$	212,926			$	235,427			$	677			$	3,524,890

					Real Estate
	Comm., Fin. & Ag.				Constr.				Resi. Mortgage				Home Equity				Comml. Mortgage				Consumer - Auto.				Consumer - Other				Leases				Unallocated				Total
	(Dollars in thousands)
December 31, 2015
Allowance:
Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	51			$	—			$	—			$	—			$	—			$	51
Collectively evaluated for impairment	6,905				8,454				14,642				3,096				21,796				2,891				3,339				—				—				61,123
Subtotal	6,905				8,454				14,642				3,096				21,847				2,891				3,339				—				—				61,174
Unallocated	—				—				—				—				—				—				—				—				2,140				2,140
Total ending balance	$	6,905			$	8,454			$	14,642			$	3,096			$	21,847			$	2,891			$	3,339			$	—			$	2,140			$	63,314
Loans and leases:
Individually evaluated for impairment	$	1,044			$	4,126			$	21,940			$	776			$	10,318			$	—			$	—			$	—			$	—			$	38,204
Collectively evaluated for impairment	519,413				81,070				1,109,942				301,204				751,248				190,202				217,822				1,028				—				3,171,929
Subtotal	520,457				85,196				1,131,882				301,980				761,566				190,202				217,822				1,028				—				3,210,133
Net deferred costs (income)	629				(311		)		2,443				—				(817		)		—				(545		)		—				—				1,399
Total ending balance	$	521,086			$	84,885			$	1,134,325			$	301,980			$	760,749			$	190,202			$	217,277			$	1,028			$	—			$	3,211,532

Schedule of impaired loans, by class

The following table presents by class, impaired loans as of December 31, 2016 and 2015:

	December 31, 2016												December 31, 2015
	Unpaid Principal Balance				Recorded Investment				Allowance Allocated				Unpaid Principal Balance				Recorded Investment				Allowance Allocated
	(Dollars in thousands)
Impaired loans with no related Allowance recorded:
Commercial, financial & agricultural	$	1,988			$	1,877			$	—			$	1,155			$	1,044			$	—
Real estate:
Construction	9,056				2,936				—				10,472				4,126				—
Residential mortgage	21,568				19,940				—				24,016				21,940				—
Home equity	333				333				—				776				776				—
Commercial mortgage	5,637				5,637				—				10,010				9,152				—
Total	38,582				30,723				—				46,429				37,038				—
Impaired loans with an Allowance recorded:
Real estate: Commercial mortgage	—				—				—				1,166				1,166				51
Total	—				—				—				1,166				1,166				51
Total impaired loans	$	38,582			$	30,723			$	—			$	47,595			$	38,204			$	51

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

The following table presents by class, the average recorded investment and interest income recognized on impaired loans as of December 31, 2016, 2015 and 2014:

	Year Ended								Year Ended								Year Ended
	December 31, 2016								December 31, 2015								December 31, 2014
	Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
	(Dollars in thousands)
Commercial, financial & agricultural	$	1,891			$	10			$	6,273			$	17			$	14,303			$	22
Real estate:
Construction	3,509				123				4,428				190				5,517				163
Residential mortgage	21,809				236				25,556				60				30,938				564
Home equity	472				17				545				18				2,164				63
Commercial mortgage	8,537				321				14,240				373				18,692				397
Total	$	36,218			$	707			$	51,042			$	658			$	71,614			$	1,209

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

The following tables present by class, the aging of the recorded investment in past due loans and leases as of December 31, 2016 and 2015:

	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)
December 31, 2016
Commercial, financial & agricultural	$	761			$	80			$	—			$	1,877			$	2,718			$	507,722			$	510,440
Real estate:
Construction	—				—				—				—				—				101,538				101,538
Mortgage:
Residential	5,014				478				—				5,322				10,814				1,206,420				1,217,234
Home equity	43				280				1,120				333				1,776				359,433				361,209
Commercial	127				—				—				864				991				884,448				885,439
Consumer:
Automobiles	743				353				208				—				1,304				211,622				212,926
Other consumer	639				272				63				—				974				234,453				235,427
Leases	—				—				—				—				—				677				677
Total	$	7,327			$	1,463			$	1,391			$	8,396			$	18,577			$	3,506,313			$	3,524,890

	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)
December 31, 2015
Commercial, financial & agricultural	$	276			$	140			$	—			$	1,044			$	1,460			$	519,626			$	521,086
Real estate:
Construction	—				—				—				—				—				84,885				84,885
Mortgage:
Residential	3,134				325				—				5,464				8,923				1,125,402				1,134,325
Home equity	700				220				—				666				1,586				300,394				301,980
Commercial	54				—				—				7,094				7,148				753,601				760,749
Consumer:
Automobiles	912				168				151				—				1,231				188,971				190,202
Other consumer	531				353				122				—				1,006				216,271				217,277
Leases	—				—				—				—				—				1,028				1,028
Total	$	5,607			$	1,206			$	273			$	14,268			$	21,354			$	3,190,178			$	3,211,532

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

The following table presents by class, information related to loans modified in a TDR during the years ended December 31, 2016 and 2015:

	Year ended December 31, 2016											Year ended December 31, 2015
	Number of Contracts			Recorded Investment (as of period end)				Increase in the Allowance				Number of Contracts			Recorded Investment (as of period end)				Increase in the Allowance
	(Dollars in thousands)
Commercial, financial & agricultural	—			$	—			$	—			1			$	488			$	—
Real estate: Residential mortgage	3			282				—				3			4,131				—
Total	3			282				—				4			4,619				—

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

The following tables present by class and credit indicator, the recorded investment in the Company's loans and leases as of December 31, 2016 and 2015:

	Pass				Special Mention				Substandard				Loss				Subtotal				Net Deferred Costs (Income)				Total
	(Dollars in thousands)
December 31, 2016
Commercial, financial & agricultural	$	502,305			$	2,632			$	5,050			$	—			$	509,987			$	453			$	510,440
Real estate:
Construction	91,812				9,896				21				—				101,729				(191		)		101,538
Mortgage:
Residential	1,208,552				109				5,322				—				1,213,983				3,251				1,217,234
Home equity	359,757				—				1,453				—				361,210				(1		)		361,209
Commercial	852,872				18,845				14,898				—				886,615				(1,176		)		885,439
Consumer:
Automobiles	212,718				—				50				158				212,926				—				212,926
Other consumer	235,544				—				140				—				235,684				(257		)		235,427
Leases	677				—				—				—				677				—				677
Total	$	3,464,237			$	31,482			$	26,934			$	158			$	3,522,811			$	2,079			$	3,524,890

	Pass				Special Mention				Substandard				Loss				Subtotal				Net Deferred Costs (Income)				Total
	(Dollars in thousands)
December 31, 2015
Commercial, financial & agricultural	$	514,971			$	2,168			$	3,318			$	—			$	520,457			$	629			$	521,086
Real estate:
Construction	83,601				808				787				—				85,196				(311		)		84,885
Mortgage:
Residential	1,126,418				—				5,464				—				1,131,882				2,443				1,134,325
Home equity	301,314				—				666				—				301,980				—				301,980
Commercial	705,520				41,335				14,711				—				761,566				(817		)		760,749
Consumer:
Automobiles	190,051				—				151				—				190,202				—				190,202
Other consumer	217,727				95				—				—				217,822				(545		)		217,277
Leases	1,028				—				—				—				1,028				—				1,028
Total	$	3,140,630			$	44,406			$	25,097			$	—			$	3,210,133			$	1,399			$	3,211,532

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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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-Publisher FASB
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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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-Publisher FASB
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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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