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LOANS AND LEASES (Tables)

9 Months Ended

Sep. 30, 2019

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 September 30, 2019 and December 31, 2018:

(dollars in thousands)	September 30, 2019				December 31, 2018
Commercial, financial and agricultural	$	576,343			$	581,177
Real estate:
Construction	96,996				67,269
Residential mortgage	1,554,752				1,424,384
Home equity	475,211				468,966
Commercial mortgage	1,135,408				1,041,685
Consumer	526,429				492,268
Leases	31				124
Gross loans and leases	4,365,170				4,075,873
Net deferred costs	2,692				2,493
Total loans and leases, net of deferred costs	$	4,367,862			$	4,078,366

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 September 30, 2019 and December 31, 2018:

					Real Estate
(dollars in thousands)	Comml, Fin & Ag				Constr				Resi Mortgage				Home Equity				Comml Mortgage				Consumer				Leases				Total
September 30, 2019
Allowance:
Individually evaluated for impairment	$	—			$	—			$	—			$	—			$	—			$	—			$	—			$	—
Collectively evaluated for impairment	7,781				1,693				13,546				4,287				12,209				8,651				—				48,167
Total ending balance	$	7,781			$	1,693			$	13,546			$	4,287			$	12,209			$	8,651			$	—			$	48,167
Loans and leases:
Individually evaluated for impairment	$	157			$	—			$	7,516			$	95			$	1,985			$	—			$	—			$	9,753
Collectively evaluated for impairment	576,186				96,996				1,547,236				475,116				1,133,423				526,429				31				4,355,417
Subtotal	576,343				96,996				1,554,752				475,211				1,135,408				526,429				31				4,365,170
Net deferred costs (income)	269				(335		)		3,983				354				(1,496		)		(83		)		—				2,692
Total loans and leases, net of deferred costs (income)	$	576,612			$	96,661			$	1,558,735			$	475,565			$	1,133,912			$	526,346			$	31			$	4,367,862

					Real Estate
(dollars in thousands)	Comml, Fin & Ag				Constr				Resi Mortgage				Home Equity				Comml Mortgage				Consumer				Leases				Total
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 loans and leases, net of deferred costs (income)	$	581,660			$	66,927			$	1,428,205			$	468,966			$	1,040,278			$	492,206			$	124			$	4,078,366

Schedule of impaired loans, by class

The following table presents by class, information related to impaired loans as of September 30, 2019 and December 31, 2018:

	September 30, 2019												December 31, 2018
(dollars in thousands)	Unpaid Principal Balance				Recorded Investment				Allowance Allocated				Unpaid Principal Balance				Recorded Investment				Allowance Allocated
Impaired loans:
Commercial, financial and agricultural	$	267			$	157			$	—			$	330			$	220			$	—
Real estate:
Construction	—				—				—				3,076				2,273				—
Residential mortgage	8,239				7,516				—				11,019				10,075				—
Home equity	95				95				—				275				275				—
Commercial mortgage	1,985				1,985				—				2,348				2,348				—
Total impaired loans	$	10,586			$	9,753			$	—			$	17,048			$	15,191			$	—

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 nine months ended September 30, 2019 and 2018:

	Three Months Ended																Nine Months Ended
	September 30, 2019								September 30, 2018								September 30, 2019								September 30, 2018
(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 and agricultural	$	164			$	2			$	399			$	12			$	188			$	7			$	498			$	17
Real estate:
Construction	—				—				2,382				30				1,323				62				2,476				84
Residential mortgage	7,536				63				12,857				123				8,763				776				13,208				419
Home equity	190				—				447				—				332				13				516				—
Commercial mortgage	2,021				22				3,483				36				2,162				68				3,653				110
Total	$	9,911			$	87			$	19,568			$	201			$	12,768			$	926			$	20,351			$	630

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 September 30, 2019 and December 31, 2018:

(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
September 30, 2019
Commercial, financial and agricultural	$	5,845			$	87			$	—			$	—			$	5,932			$	570,680			$	576,612
Real estate:
Construction	—				—				—				—				—				96,661				96,661
Residential mortgage	—				2,327				—				799				3,126				1,555,609				1,558,735
Home equity	320				250				—				95				665				474,900				475,565
Commercial mortgage	—				—				—				—				—				1,133,912				1,133,912
Consumer	2,974				1,296				235				—				4,505				521,841				526,346
Leases	—				—				—				—				—				31				31
Total	$	9,139			$	3,960			$	235			$	894			$	14,228			$	4,353,634			$	4,367,862

(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, 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

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

No loans were modified in a TDR during the three and nine months ended September 30, 2019 and 2018.

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 September 30, 2019 and December 31, 2018:

(dollars in thousands)	Pass				Special Mention				Substandard				Loss				Subtotal				Net  Deferred Costs (Income)				Total
September 30, 2019
Commercial, financial and agricultural	$	561,372			$	3,318			$	11,653			$	—			$	576,343			$	269			$	576,612
Real estate:
Construction	96,996				—				—				—				96,996				(335		)		96,661
Residential mortgage	1,553,869				—				883				—				1,554,752				3,983				1,558,735
Home equity	475,116				—				95				—				475,211				354				475,565
Commercial mortgage	1,096,341				25,757				13,310				—				1,135,408				(1,496		)		1,133,912
Consumer	526,193				—				149				87				526,429				(83		)		526,346
Leases	31				—				—				—				31				—				31
Total	$	4,309,918			$	29,075			$	26,090			$	87			$	4,365,170			$	2,692			$	4,367,862

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