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LOANS AND LEASES (Tables)

6 Months Ended

Jun. 30, 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)	June 30, 2017				December 31, 2016
Commercial, financial and agricultural	$	499,693			$	509,987
Real estate:
Construction	94,324				101,729
Residential mortgage	1,246,159				1,213,983
Home equity	394,721				361,210
Commercial mortgage	896,221				886,615
Consumer:
Automobiles	256,858				212,926
Other consumer	201,392				235,684
Leases	523				677
Gross loans and leases	3,589,891				3,522,811
Net deferred costs	1,844				2,079
Total loans and leases, net of deferred costs	$	3,591,735			$	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 June 30, 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
June 30, 2017
Allowance:
Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Collectively evaluated for impairment	8,598				3,212				14,034				3,370				18,184				2,780				2,650				—				52,828
Total ending balance	$	8,598			$	3,212			$	14,034			$	3,370			$	18,184			$	2,780			$	2,650			$	—			$	52,828
Loans and leases:
Individually evaluated for impairment	$	1,265			$	2,757			$	17,225			$	1,509			$	5,302			$	—			$	—			$	—			$	28,058
Collectively evaluated for impairment	498,428				91,567				1,228,934				393,212				890,919				256,858				201,392				523				3,561,833
Subtotal	499,693				94,324				1,246,159				394,721				896,221				256,858				201,392				523				3,589,891
Net deferred costs (income)	199				(487		)		3,458				(1		)		(1,209		)		—				(116		)		—				1,844
Total loans and leases, net of deferred costs (income)	$	499,892			$	93,837			$	1,249,617			$	394,720			$	895,012			$	256,858			$	201,276			$	523			$	3,591,735

					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 table presents by class, information related to impaired loans as of June 30, 2017 and December 31, 2016:

	June 30, 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	$	1,376			$	1,265			$	—			$	1,988			$	1,877			$	—
Real estate:
Construction	8,107				2,757				—				9,056				2,936				—
Residential mortgage	18,284				17,225				—				21,568				19,940				—
Home equity	1,509				1,509				—				333				333				—
Commercial mortgage	5,302				5,302				—				5,637				5,637				—
Total impaired loans	$	34,578			$	28,058			$	—			$	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 and six months ended June 30, 2017 and 2016:

	Three Months Ended																Six Months Ended
	June 30, 2017								June 30, 2016								June 30, 2017								June 30, 2016
(dollars in thousands)	Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
Commercial, financial & agricultural	$	1,291			$	4			$	2,176			$	10			$	1,624			$	4			$	1,799			$	10
Real estate:
Construction	2,783				24				3,917				34				2,841				48				3,982				70
Residential mortgage	17,658				1,070				22,718				9				18,597				1,167				22,235				7
Home equity	1,482				1				723				—				1,310				1				639				—
Commercial mortgage	5,346				46				8,786				37				5,445				93				9,463				71
Total	$	28,560			$	1,145			$	38,320			$	90			$	29,817			$	1,313			$	38,118			$	158

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 June 30, 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
June 30, 2017
Commercial, financial & agricultural	$	225			$	53			$	—			$	1,000			$	1,278			$	498,614			$	499,892
Real estate:
Construction	—				—				—				—				—				93,837				93,837
Residential mortgage	—				1,887				—				4,691				6,578				1,243,039				1,249,617
Home equity	216				183				—				1,509				1,908				392,812				394,720
Commercial mortgage	83				—				—				834				917				894,095				895,012
Consumer:
Automobiles	972				244				130				—				1,346				255,512				256,858
Other consumer	708				368				123				—				1,199				200,077				201,276
Leases	—				—				—				—				—				523				523
Total	$	2,204			$	2,735			$	253			$	8,034			$	13,226			$	3,578,509			$	3,591,735

(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 June 30, 2017 or the three and six months ended June 30, 2016.

(dollars in thousands)	Number of Contracts			Recorded Investment (as of Period End)			Increase in the Allowance
Six Months Ended June 30, 2017
Commercial, financial & agricultural	1			653			—

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 June 30, 2017 and December 31, 2016:

(dollars in thousands)	Pass				Special Mention				Substandard				Loss				Subtotal				Net  Deferred Costs (Income)				Total
June 30, 2017
Commercial, financial & agricultural	$	475,393			$	2,106			$	22,194			$	—			$	499,693			$	199			$	499,892
Real estate:
Construction	83,720				10,604				—				—				94,324				(487		)		93,837
Residential mortgage	1,241,362				—				4,797				—				1,246,159				3,458				1,249,617
Home equity	393,212				—				1,509				—				394,721				(1		)		394,720
Commercial mortgage	861,699				22,622				11,900				—				896,221				(1,209		)		895,012
Consumer:
Automobiles	256,728				—				66				64				256,858				—				256,858
Other consumer	201,202				—				190				—				201,392				(116		)		201,276
Leases	523				—				—				—				523				—				523
Total	$	3,513,839			$	35,332			$	40,656			$	64			$	3,589,891			$	1,844			$	3,591,735

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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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-SubTopic 10
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