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LOANS AND LEASES (Tables)

3 Months Ended

Mar. 31, 2017

Receivables [Abstract]

Schedule of loans and leases, excluding loans held for sale

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

(dollars in thousands)	March 31, 2017				December 31, 2016
Commercial, financial and agricultural	$	502,796			$	509,987
Real estate:
Construction	94,313				101,729
Residential mortgage	1,233,749				1,213,983
Home equity	370,857				361,210
Commercial mortgage	894,994				886,615
Consumer:
Automobiles	233,915				212,926
Other consumer	212,423				235,684
Leases	598				677
Gross loans and leases	3,543,645				3,522,811
Net deferred costs	2,073				2,079
Total loans and leases, net of deferred costs	$	3,545,718			$	3,524,890

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

The following tables present by class, the balance in the allowance for loan and lease losses (the "Allowance") and the recorded investment in loans and leases based on the Company's impairment measurement method as of March 31, 2017 and December 31, 2016:

					Real Estate
(dollars in thousands)	Comml, Fin & Ag				Constr				Resi Mortgage				Home Equity				Comml Mortgage				Consumer - Auto				Consumer - Other				Leases				Total
March 31, 2017
Allowance:
Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Collectively evaluated for impairment	8,346				3,718				14,892				3,425				19,187				2,976				2,825				—				55,369
Total ending balance	$	8,346			$	3,718			$	14,892			$	3,425			$	19,187			$	2,976			$	2,825			$	—			$	55,369
Loans and leases:
Individually evaluated for impairment	$	1,336			$	2,837			$	18,226			$	1,491			$	5,432			$	—			$	—			$	—			$	29,322
Collectively evaluated for impairment	501,460				91,476				1,215,523				369,366				889,562				233,915				212,423				598				3,514,323
Subtotal	502,796				94,313				1,233,749				370,857				894,994				233,915				212,423				598				3,543,645
Net deferred costs (income)	252				(206		)		3,401				(1		)		(1,206		)		—				(167		)		—				2,073
Total loans and leases, net of deferred costs (income)	$	503,048			$	94,107			$	1,237,150			$	370,856			$	893,788			$	233,915			$	212,256			$	598			$	3,545,718

					Real Estate
(dollars in thousands)	Comml, Fin & Ag				Constr				Resi Mortgage				Home Equity				Comml Mortgage				Consumer - Auto				Consumer - Other				Leases				Total
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 loans and leases, net of deferred costs (income)	$	510,440			$	101,538			$	1,217,234			$	361,209			$	885,439			$	212,926			235,427				$	677			$	3,524,890

Schedule of impaired loans, by class

The following tables present by class, information related to impaired loans as of March 31, 2017 and December 31, 2016:

	March 31, 2017												December 31, 2016
	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	$	1,446			$	1,336			$	—			$	1,988			$	1,877			$	—
Real estate:
Construction	8,187				2,837				—				9,056				2,936				—
Residential mortgage	19,780				18,226				—				21,568				19,940				—
Home equity	1,491				1,491				—				333				333				—
Commercial mortgage	5,432				5,432				—				5,637				5,637				—
Total impaired loans	$	36,336			$	29,322			$	—			$	38,582			$	30,723			$	—

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 for the three months ended March 31, 2017 and 2016:

	Three Months Ended
	March 31, 2017								March 31, 2016
(dollars in thousands)	Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Commercial, financial & agricultural	$	1,873			$	—			$	1,423			$	—
Real estate:
Construction	2,885				24				4,046				36
Residential mortgage	19,302				97				22,308				(2		)
Home equity	1,181				—				—				—
Commercial mortgage	5,519				47				10,140				34
Total	$	30,760			$	168			$	37,917			$	68

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 March 31, 2017 and December 31, 2016:

(dollars in thousands)	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
March 31, 2017
Commercial, financial & agricultural	$	213			$	110			$	—			$	1,030			$	1,353			$	501,695			$	503,048
Real estate:
Construction	—				—				—				—				—				94,107				94,107
Residential mortgage	4,853				49				—				4,621				9,523				1,227,627				1,237,150
Home equity	214				—				—				1,490				1,704				369,152				370,856
Commercial mortgage	318				—				—				842				1,160				892,628				893,788
Consumer:
Automobiles	597				347				133				—				1,077				232,838				233,915
Other consumer	576				514				107				—				1,197				211,059				212,256
Leases	—				—				—				—				—				598				598
Total	$	6,771			$	1,020			$	240			$	7,983			$	16,014			$	3,529,704			$	3,545,718

(dollars in thousands)	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
December 31, 2016
Commercial, financial & agricultural	$	761			$	80			$	—			$	1,877			$	2,718			$	507,722			$	510,440
Real estate:
Construction	—				—				—				—				—				101,538				101,538
Residential mortgage	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 mortgage	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

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

The following table presents by class, information related to loans modified in a TDR during the period presented. No loans were modified in a TDR during the three months ended March 31, 2016.

(dollars in thousands)	Number of Contracts			Recorded Investment (as of Period End)			Increase in the Allowance
Three Months Ended March 31, 2017
Commercial, financial & agricultural	1			659			—

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

The following table presents by class and credit indicator, the recorded investment in the Company's loans and leases as of March 31, 2017 and December 31, 2016:

(dollars in thousands)	Pass				Special Mention				Substandard				Loss				Subtotal				Net  Deferred Costs (Income)				Total
March 31, 2017
Commercial, financial & agricultural	$	475,028			$	23,681			$	4,087			$	—			$	502,796			$	252			$	503,048
Real estate:
Construction	84,369				9,944				—				—				94,313				(206		)		94,107
Residential mortgage	1,229,019				—				4,730				—				1,233,749				3,401				1,237,150
Home equity	368,773				—				2,084				—				370,857				(1		)		370,856
Commercial mortgage	857,976				25,100				11,918				—				894,994				(1,206		)		893,788
Consumer:
Automobiles	233,782				—				67				66				233,915				—				233,915
Other consumer	212,244				—				179				—				212,423				(167		)		212,256
Leases	598				—				—				—				598				—				598
Total	$	3,461,789			$	58,725			$	23,065			$	66			$	3,543,645			$	2,073			$	3,545,718
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
Residential mortgage	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 mortgage	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

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
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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
-Name Accounting Standards Codification
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