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LOANS AND LEASES (Tables)

12 Months Ended

Dec. 31, 2018

Receivables [Abstract]

Schedule of loans and leases, excluding loans held for sale

Loans and leases, excluding loans held for sale, consisted of the following as of December 31, 2018 and 2017:

	December 31,
	2018				2017
	(Dollars in thousands)
Commercial, financial and agricultural	$	581,177			$	503,738
Real estate:
Construction	67,269				64,525
Residential mortgage	1,424,384				1,337,193
Home equity	468,966				412,230
Commercial mortgage	1,041,685				979,239
Consumer	492,268				470,819
Leases	124				362
Subtotal	4,075,873				3,768,106
Net deferred costs	2,493				2,509
Total loans and leases	$	4,078,366			$	3,770,615

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, 2018 and 2017:

					Real Estate
	Comml., Fin. & Ag.				Constr.				Resi. Mortgage				Home Equity				Comml. Mortgage				Consumer				Leases				Total
	(Dollars in thousands)
December 31, 2018
Allowance:
Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Collectively evaluated for impairment	8,027				1,202				14,349				3,788				13,358				7,192				—				47,916
Total ending balance	$	8,027			$	1,202			$	14,349			$	3,788			$	13,358			$	7,192			$	—			$	47,916
Loans and leases:
Individually evaluated for impairment	$	220			$	2,273			$	10,075			$	275			$	2,348			$	—			$	—			$	15,191
Collectively evaluated for impairment	580,957				64,996				1,414,309				468,691				1,039,337				492,268				124				4,060,682
Subtotal	581,177				67,269				1,424,384				468,966				1,041,685				492,268				124				4,075,873
Net deferred costs (income)	483				(342		)		3,821				—				(1,407		)		(62		)		—				2,493
Total ending balance	$	581,660			$	66,927			$	1,428,205			$	468,966			$	1,040,278			$	492,206			$	124			$	4,078,366

					Real Estate
	Comml., Fin. & Ag.				Constr.				Resi. Mortgage				Home Equity				Comml. Mortgage				Consumer				Leases				Total
	(Dollars in thousands)
December 31, 2017
Allowance:
Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Collectively evaluated for impairment	7,594				1,835				14,328				3,317				16,801				6,126				—				50,001
Total ending balance	$	7,594			$	1,835			$	14,328			$	3,317			$	16,801			$	6,126			$	—			$	50,001
Loans and leases:
Individually evaluated for impairment	$	491			$	2,597			$	13,862			$	416			$	3,914			$	—			$	—			$	21,280
Collectively evaluated for impairment	503,247				61,928				1,323,331				411,814				975,325				470,819				362				3,746,826
Subtotal	503,738				64,525				1,337,193				412,230				979,239				470,819				362				3,768,106
Net deferred costs (income)	281				(285		)		4,028				—				(1,442		)		(73		)		—				2,509
Total ending balance	$	504,019			$	64,240			$	1,341,221			$	412,230			$	977,797			$	470,746			$	362			$	3,770,615

Schedule of impaired loans, by class

The following table presents by class, impaired loans as of December 31, 2018 and 2017:

	December 31, 2018												December 31, 2017
	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 and agricultural	$	330			$	220			$	—			$	602			$	491			$	—
Real estate:
Construction	3,076				2,273				—				7,947				2,597				—
Residential mortgage	11,019				10,075				—				14,920				13,862				—
Home equity	275				275				—				416				416				—
Commercial mortgage	2,348				2,348				—				3,914				3,914				—
Total impaired loans with no related Allowance recorded	17,048				15,191				—				27,799				21,280				—
Total impaired loans	$	17,048			$	15,191			$	—			$	27,799			$	21,280			$	—

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 during the years ended December 31, 2018, 2017 and 2016:

	Year Ended								Year Ended								Year Ended
	December 31, 2018								December 31, 2017								December 31, 2016
	Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized				Average Recorded Investment				Interest Income Recognized
	(Dollars in thousands)
Commercial, financial and agricultural	$	435			$	24			$	1,272			$	24			$	1,891			$	10
Real estate:
Construction	2,436				111				2,760				99				3,509				123
Residential mortgage	12,681				662				17,122				1,843				21,809				236
Home equity	482				—				1,213				69				472				17
Commercial mortgage	3,368				179				4,893				313				8,537				321
Total	$	19,402			$	976			$	27,260			$	2,348			$	36,218			$	707

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, 2018 and 2017:

	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, 2018
Commercial, financial and agricultural	$	1,348			$	162			$	—			$	—			$	1,510			$	580,150			$	581,660
Real estate:
Construction	—				—				—				—				—				66,927				66,927
Residential mortgage	3,966				157				—				2,048				6,171				1,422,034				1,428,205
Home equity	433				104				298				275				1,110				467,856				468,966
Commercial mortgage	—				—				—				—				—				1,040,278				1,040,278
Consumer	2,340				872				238				—				3,450				488,756				492,206
Leases	—				—				—				—				—				124				124
Total	$	8,087			$	1,295			$	536			$	2,323			$	12,241			$	4,066,125			$	4,078,366

	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, 2017
Commercial, financial and agricultural	$	410			$	355			$	—			$	—			$	765			$	503,254			$	504,019
Real estate:
Construction	—				—				—				—				—				64,240				64,240
Residential mortgage	4,037				2,127				49				2,280				8,493				1,332,728				1,341,221
Home equity	105				264				—				416				785				411,445				412,230
Commercial mortgage	—				—				—				79				79				977,718				977,797
Consumer	2,126				1,056				515				—				3,697				467,049				470,746
Leases	—				—				—				—				—				362				362
Total	$	6,678			$	3,802			$	564			$	2,775			$	13,819			$	3,756,796			$	3,770,615

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, 2018, 2017 and 2016:

	Year Ended December 31, 2018
	Number of Contracts			Recorded Investment (as of period end)				Increase in the Allowance
	(Dollars in thousands)
Real estate: Residential mortgage	3			$	575			$	—
Total	3			$	575			$	—
	Year Ended December 31, 2017
	Number of Contracts			Recorded Investment (as of period end)				Increase in the Allowance
	(Dollars in thousands)
Real estate: Residential mortgage	3			$	104			$	—
Total	3			$	104			$	—
	Year Ended December 31, 2016
	Number of Contracts			Recorded Investment (as of period end)				Increase in the Allowance
	(Dollars in thousands)
Real estate: Residential mortgage	3			$	282			$	—
Total	3			$	282			$	—

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, 2018 and 2017:

	Pass				Special Mention				Substandard				Loss				Subtotal				Net Deferred Costs (Income)				Total
	(Dollars in thousands)
December 31, 2018
Commercial, financial and agricultural	$	552,706			$	7,961			$	20,510			$	—			$	581,177			$	483			$	581,660
Real estate:
Construction	67,269				—				—				—				67,269				(342		)		66,927
Residential mortgage	1,422,240				—				2,144				—				1,424,384				3,821				1,428,205
Home equity	468,394				—				572				—				468,966				—				468,966
Commercial mortgage	1,029,581				10,412				1,692				—				1,041,685				(1,407		)		1,040,278
Consumer	492,030				—				80				158				492,268				(62		)		492,206
Leases	124				—				—				—				124				—				124
Total	$	4,032,344			$	18,373			$	24,998			$	158			$	4,075,873			$	2,493			$	4,078,366

	Pass				Special Mention				Substandard				Loss				Subtotal				Net Deferred Costs (Income)				Total
	(Dollars in thousands)
December 31, 2017
Commercial, financial and agricultural	$	474,995			$	7,543			$	21,200			$	—			$	503,738			$	281			$	504,019
Real estate:
Construction	55,646				8,879				—				—				64,525				(285		)		64,240
Residential mortgage	1,334,760				—				2,433				—				1,337,193				4,028				1,341,221
Home equity	411,814				—				416				—				412,230				—				412,230
Commercial mortgage	955,865				12,735				10,639				—				979,239				(1,442		)		977,797
Consumer	470,243				—				305				271				470,819				(73		)		470,746
Leases	362				—				—				—				362				—				362
Total	$	3,703,685			$	29,157			$	34,993			$	271			$	3,768,106			$	2,509			$	3,770,615

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- Definition

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 (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
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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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
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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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-Publisher FASB
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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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