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LOANS AND LEASES (Tables)

12 Months Ended

Dec. 31, 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 December 31, 2019 and 2018:

	December 31,
	2019				2018
	(Dollars in thousands)
Commercial, financial and agricultural	$	570,089			$	581,177
Real estate:
Construction	96,139				67,269
Residential mortgage	1,595,801				1,424,384
Home equity	490,239				468,966
Commercial mortgage	1,124,911				1,041,685
Consumer	569,516				492,268
Leases	—				124
Subtotal	4,446,695				4,075,873
Net deferred costs	2,845				2,493
Total loans and leases	$	4,449,540			$	4,078,366

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, 2019 and 2018:

					Real Estate
	Comml., Fin. & Ag.				Constr.				Resi. Mortgage				Home Equity				Comml. Mortgage				Consumer				Leases				Total
	(Dollars in thousands)
December 31, 2019
Allowance:
Individually evaluated for impairment	$	218			$	—			$	—			$	—			$	—			$	17			$	—			$	235
Collectively evaluated for impairment	7,918				1,792				13,327				4,206				11,113				9,380				—				47,736
Total ending balance	$	8,136			$	1,792			$	13,327			$	4,206			$	11,113			$	9,397			$	—			$	47,971
Loans and leases:
Individually evaluated for impairment	$	602			$	—			$	6,516			$	92			$	1,839			$	17			$	—			$	9,066
Collectively evaluated for impairment	569,487				96,139				1,589,285				490,147				1,123,072				569,499				—				4,437,629
Subtotal	570,089				96,139				1,595,801				490,239				1,124,911				569,516				—				4,446,695
Net deferred costs (income)	215				(285		)		4,000				495				(1,496		)		(84		)		—				2,845
Total ending balance	$	570,304			$	95,854			$	1,599,801			$	490,734			$	1,123,415			$	569,432			$	—			$	4,449,540

					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

Schedule of impaired loans, by class

The following table presents by class, impaired loans as of December 31, 2019 and 2018:

	December 31, 2019												December 31, 2018
	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	$	246			$	135			$	—			$	330			$	220			$	—
Real estate:
Construction	—				—				—				3,076				2,273				—
Residential mortgage	7,230				6,516				—				11,019				10,075				—
Home equity	92				92				—				275				275				—
Commercial mortgage	1,839				1,839				—				2,348				2,348				—
Total impaired loans with no related Allowance recorded	9,407				8,582				—				17,048				15,191				—
Impaired loans with an Allowance recorded:
Commercial, financial and agricultural	467				467				218				—				—				—
Consumer	17				17				17				—				—				—
Total impaired loans with an Allowance recorded	484				484				235				—				—				—
Total impaired loans	$	9,891			$	9,066			$	235			$	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 during the years ended December 31, 2019, 2018 and 2017:

	Year Ended								Year Ended								Year Ended
	December 31, 2019								December 31, 2018								December 31, 2017
	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	$	214			$	9			$	435			$	24			$	1,272			$	24
Real estate:
Construction	1,018				62				2,436				111				2,760				99
Residential mortgage	8,322				905				12,681				662				17,122				1,843
Home equity	277				13				482				—				1,213				69
Commercial mortgage	2,098				86				3,368				179				4,893				313
Consumer	3				—				—				—				—				—
Total	$	11,932			$	1,075			$	19,402			$	976			$	27,260			$	2,348

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, 2019 and 2018:

	Accruing Loans 30 - 59 Days Past Due				Accruing Loans 60 - 89 Days Past Due				Accruing Loans 90+  Days Past Due				Nonaccrual Loans				Total Past Due and Nonaccrual				Loans and Leases Not Past Due				Total
	(Dollars in thousands)
December 31, 2019
Commercial, financial and agricultural	$	476			$	865			$	—			$	467			$	1,808			$	568,496			$	570,304
Real estate:
Construction	643				—				—				—				643				95,211				95,854
Residential mortgage	1,830				589				724				979				4,122				1,595,679				1,599,801
Home equity	759				207				—				92				1,058				489,676				490,734
Commercial mortgage	—				397				—				—				397				1,123,018				1,123,415
Consumer	3,223				943				286				17				4,469				564,963				569,432
Total	$	6,931			$	3,001			$	1,010			$	1,555			$	12,497			$	4,437,043			$	4,449,540

	Accruing Loans 30 - 59 Days Past Due				Accruing Loans 60 - 89 Days Past Due				Accruing Loans 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

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, 2019, 2018 and 2017:

	Year Ended December 31, 2019
	Number of Loans			Recorded Investment (as of period end)				Increase in the Allowance
	(Dollars in thousands)
Real estate: Residential mortgage	1			$	104			$	—
Total	1			$	104			$	—
	Year Ended December 31, 2018
	Number of Loans			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 Loans			Recorded Investment (as of period end)				Increase in the Allowance
	(Dollars in thousands)
Real estate: Residential mortgage	3			$	104			$	—
Total	3			$	104			$	—

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, 2019 and 2018:

	Pass				Special Mention				Substandard				Loss				Subtotal				Net Deferred Costs (Income)				Total
	(Dollars in thousands)
December 31, 2019
Commercial, financial and agricultural	$	523,342			$	20,677			$	26,070			$	—			$	570,089			$	215			$	570,304
Real estate:
Construction	96,139				—				—				—				96,139				(285		)		95,854
Residential mortgage	1,593,072				840				1,889				—				1,595,801				4,000				1,599,801
Home equity	490,147				—				92				—				490,239				495				490,734
Commercial mortgage	1,094,364				17,440				13,107				—				1,124,911				(1,496		)		1,123,415
Consumer	569,212				—				193				111				569,516				(84		)		569,432
Total	$	4,366,276			$	38,957			$	41,351			$	111			$	4,446,695			$	2,845			$	4,449,540

	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

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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 allowance for credit loss on financing receivable.

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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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