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ALLOWANCE FOR LOAN AND LEASE LOSSES (Tables)
6 Months Ended
Jun. 30, 2017
ALLOWANCE FOR LOAN AND LEASE LOSSES  
Schedule of activity in the allowance, by class
The following table presents by class, the activity in the Allowance for the periods indicated:
 
 
 
 
Real Estate
 
 
 
 
 
 
 
 
 
 
 
Commercial,
Financial &
Agricultural
 
Construction
 
Residential Mortgage
 
Home Equity
 
Commercial Mortgage
 
Consumer - Auto
 
Consumer - Other
 
Leases
 
Unallocated
 
Total
 
(dollars in thousands)
Three Months Ended June 30, 2017
Beginning balance
$
8,346

 
$
3,718

 
$
14,892

 
$
3,425

 
$
19,187

 
$
2,976

 
$
2,825

 
$

 
$

 
$
55,369

Provision (credit) for loan and lease losses
353

 
(562
)
 
(1,495
)
 
(82
)
 
(1,131
)
 
(128
)
 
763

 

 

 
(2,282
)
 
8,699

 
3,156

 
13,397

 
3,343

 
18,056

 
2,848

 
3,588

 

 

 
53,087

Charge-offs
337

 

 

 

 

 
352

 
1,118

 

 

 
1,807

Recoveries
236

 
56

 
637

 
27

 
128

 
284

 
180

 

 

 
1,548

Net charge-offs (recoveries)
101

 
(56
)
 
(637
)
 
(27
)
 
(128
)
 
68

 
938

 

 

 
259

Ending balance
$
8,598

 
$
3,212

 
$
14,034

 
$
3,370

 
$
18,184

 
$
2,780

 
$
2,650

 
$

 
$

 
$
52,828

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Three Months Ended June 30, 2016
Beginning balance
$
7,000

 
$
4,128

 
$
14,696

 
$
3,309

 
$
25,173

 
$
2,723

 
$
3,120

 
$

 
$
2,000

 
$
62,149

Provision (credit) for loan and lease losses
(3,006
)
 
(314
)
 
(677
)
 
133

 
2,261

 
(158
)
 
379

 

 

 
(1,382
)
 
3,994

 
3,814

 
14,019

 
3,442

 
27,434

 
2,565

 
3,499

 

 
2,000

 
60,767

Charge-offs
272

 

 

 

 

 
358

 
777

 

 

 
1,407

Recoveries
720

 
9

 
173

 
4

 
14

 
366

 
118

 

 

 
1,404

Net charge-offs (recoveries)
(448
)
 
(9
)
 
(173
)
 
(4
)
 
(14
)
 
(8
)
 
659

 

 

 
3

Ending balance
$
4,442

 
$
3,823

 
$
14,192

 
$
3,446

 
$
27,448

 
$
2,573

 
$
2,840

 
$

 
$
2,000

 
$
60,764

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 

 
 
 
Real Estate
 
 
 
 
 
 
 
 
 
 
 
Commercial,
Financial &
Agricultural
 
Construction
 
Residential Mortgage
 
Home Equity
 
Commercial Mortgage
 
Consumer - Auto
 
Consumer - Other
 
Leases
 
Unallocated
 
Total
 
(dollars in thousands)
Six Months Ended June 30, 2017
Beginning balance
$
8,637

 
$
4,224

 
$
15,055

 
$
3,502

 
$
19,104

 
$
3,000

 
$
3,109

 
$

 
$

 
$
56,631

Provision (credit) for loan and lease losses
287

 
(1,089
)
 
(1,754
)
 
(161
)
 
(1,059
)
 
174

 
1,240

 

 

 
(2,362
)
 
8,924

 
3,135

 
13,301

 
3,341

 
18,045

 
3,174

 
4,349

 

 

 
54,269

Charge-offs
837

 

 

 

 

 
872

 
2,095

 

 

 
3,804

Recoveries
511

 
77

 
733

 
29

 
139

 
478

 
396

 

 

 
2,363

Net charge-offs (recoveries)
326

 
(77
)
 
(733
)
 
(29
)
 
(139
)
 
394

 
1,699

 

 

 
1,441

Ending balance
$
8,598

 
$
3,212

 
$
14,034

 
$
3,370

 
$
18,184

 
$
2,780

 
$
2,650

 
$

 
$

 
$
52,828

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Six Months Ended June 30, 2016
Beginning balance
$
6,905

 
$
8,454

 
$
14,642

 
$
3,096

 
$
21,847

 
$
2,891

 
$
3,339

 
$

 
$
2,140

 
$
63,314

Provision (credit) for loan and lease losses
(2,908
)
 
(4,649
)
 
(656
)
 
342

 
5,574

 
(139
)
 
447

 

 
(140
)
 
(2,129
)
 
3,997

 
3,805

 
13,986

 
3,438

 
27,421

 
2,752

 
3,786

 

 
2,000

 
61,185

Charge-offs
624

 

 

 

 

 
738

 
1,509

 

 

 
2,871

Recoveries
1,069

 
18

 
206

 
8

 
27

 
559

 
563

 

 

 
2,450

Net charge-offs (recoveries)
(445
)
 
(18
)
 
(206
)
 
(8
)
 
(27
)
 
179

 
946

 

 

 
421

Ending balance
$
4,442

 
$
3,823

 
$
14,192

 
$
3,446

 
$
27,448

 
$
2,573

 
$
2,840

 
$

 
$
2,000

 
$
60,764