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LOANS (Tables)

6 Months Ended

Jun. 30, 2019

Schedule of Accounts Notes Loans and Financial Receivables

Loans are stated at unpaid balances, net of unearned income and deferred loan fees. Balances within the major loans receivable categories are presented in the following table, excluding purchased loans:



(dollars in thousands)	June 30, 2019		December 31, 2018
Commercial, financial and agricultural	$	1,648,190	$	1,316,359
Real estate – construction and development	788,409		671,198
Real estate – commercial and farmland	2,046,347		1,814,529
Real estate – residential	1,589,646		1,403,000
Consumer installment	449,856		455,371
	$	6,522,448	$	5,660,457

Summary of Purchased Loans And Major Loan Categories

Purchased loans are shown below according to major loan type as of the end of the periods shown:



(dollars in thousands)	June 30, 2019		December 31, 2018
Commercial, financial and agricultural	$	252,621	$	372,686
Real estate – construction and development	315,141		227,900
Real estate – commercial and farmland	1,135,866		1,337,859
Real estate – residential	558,458		623,199
Consumer installment	24,339		27,188
	$	2,286,425	$	2,588,832

Rollforward of Acquired Loans

A rollforward of purchased loans for the six months ended June 30, 2019 and 2018 is shown below:



(dollars in thousands)	June 30, 2019			June 30, 2018
Balance, January 1	$	2,588,832		$	861,595
Charge-offs	(1,079		)	(1,060		)
Additions due to acquisitions	—			2,056,918
Accretion	6,125			4,340
Subsequent fair value adjustments recorded to goodwill	(4,854		)	—
Transfers to loans held for sale	(54,981		)	—
Transfers to purchased other real estate owned	(2,432		)	(556		)
Payments received, net of principal advances	(245,190		)	(108,727		)
Other	4			—
Ending balance	$	2,286,425		$	2,812,510

Schedule of Changes in Accretable Discounts Related Acquired Loans

The following is a summary of changes in the accretable discounts of purchased loans during the six months ended June 30, 2019 and 2018:



(dollars in thousands)	June 30, 2019			June 30, 2018
Balance, January 1	$	40,496		$	20,192
Additions due to acquisitions	—			29,318
Accretion	(6,125		)	(4,340		)
Accretable discounts removed due to charge-offs	—			(4		)
Transfers between non-accretable and accretable discounts, net	(2,291		)	1,332
Ending balance	$	32,080		$	46,498

Summary of Financial Receivable Nonaccrual Basis

The following table presents an analysis of loans accounted for on a nonaccrual basis, excluding purchased loans:



(dollars in thousands)	June 30, 2019		December 31, 2018
Commercial, financial and agricultural	$	3,396	$	1,412
Real estate – construction and development	1,136		892
Real estate – commercial and farmland	3,184		4,654
Real estate – residential	9,996		10,465
Consumer installment	417		529
	$	18,129	$	17,952

The following table presents an analysis of purchased loans accounted for on a nonaccrual basis:



(dollars in thousands)	June 30, 2019		December 31, 2018
Commercial, financial and agricultural	$	2,415	$	1,199
Real estate – construction and development	7,078		6,119
Real estate – commercial and farmland	6,100		5,534
Real estate – residential	7,252		10,769
Consumer installment	505		486
	$	23,350	$	24,107

Summary of Past Due Financial Receivables

The following table presents an analysis of past-due loans, excluding purchased past-due loans as of June 30, 2019 and December 31, 2018:



(dollars in thousands)	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Loans Past Due		Current Loans		Total Loans		Loans 90 Days or More Past Due and Still Accruing
June 30, 2019
Commercial, financial and agricultural	$	5,645	$	8,033	$	6,981	$	20,659	$	1,627,531	$	1,648,190	$	4,180
Real estate – construction and development	6,177		418		920		7,515		780,894		788,409		—
Real estate – commercial and farmland	865		1,032		2,172		4,069		2,042,278		2,046,347		—
Real estate – residential	14,194		2,370		8,721		25,285		1,564,361		1,589,646		—
Consumer installment	1,842		972		527		3,341		446,515		449,856		259
Total	$	28,723	$	12,825	$	19,321	$	60,869	$	6,461,579	$	6,522,448	$	4,439

December 31, 2018
Commercial, financial and agricultural	$	6,479	$	5,295	$	4,763	$	16,537	$	1,299,822	$	1,316,359	$	3,808
Real estate – construction and development	1,218		481		725		2,424		668,774		671,198		—
Real estate – commercial and farmland	1,625		530		3,645		5,800		1,808,729		1,814,529		—
Real estate – residential	11,423		4,631		8,923		24,977		1,378,023		1,403,000		—
Consumer installment	2,344		1,167		735		4,246		451,125		455,371		414
Total	$	23,089	$	12,104	$	18,791	$	53,984	$	5,606,473	$	5,660,457	$	4,222

The following table presents an analysis of purchased past-due loans as of June 30, 2019 and December 31, 2018:



(dollars in thousands)	Loans 30-59 Days Past Due		Loans 60-89 Days Past Due		Loans 90 or More Days Past Due		Total Loans Past Due		Current Loans		Total Loans		Loans 90 Days or More Past Due and Still Accruing
June 30, 2019
Commercial, financial and agricultural	$	27	$	1,670	$	495	$	2,192	$	250,429	$	252,621	$	—
Real estate – construction and development	40		2		6,665		6,707		308,434		315,141		—
Real estate – commercial and farmland	2,494		921		3,448		6,863		1,129,003		1,135,866		1
Real estate – residential	7,327		2,093		4,186		13,606		544,852		558,458		173
Consumer installment	420		58		244		722		23,617		24,339		—
Total	$	10,308	$	4,744	$	15,038	$	30,090	$	2,256,335	$	2,286,425	$	174

December 31, 2018
Commercial, financial and agricultural	$	421	$	416	$	1,015	$	1,852	$	370,834	$	372,686	$	—
Real estate – construction and development	627		370		5,273		6,270		221,630		227,900		—
Real estate – commercial and farmland	1,935		736		1,698		4,369		1,333,490		1,337,859		—
Real estate – residential	12,531		2,407		7,005		21,943		601,256		623,199		—
Consumer installment	679		237		249		1,165		26,023		27,188		—
Total	$	16,193	$	4,166	$	15,240	$	35,599	$	2,553,233	$	2,588,832	$	—

Summary of Impaired Financial Receivables

The following is a summary of information pertaining to impaired loans, excluding purchased loans:



	As of and for the Period Ended
(dollars in thousands)	June 30, 2019		December 31, 2018		June 30, 2018
Nonaccrual loans	$	18,129	$	17,952	$	16,813
Troubled debt restructurings not included above	12,952		9,323		11,023
Total impaired loans	$	31,081	$	27,275	$	27,836

Quarter-to-date interest income recognized on impaired loans	$	282	$	202	$	185
Year-to-date interest income recognized on impaired loans	$	464	$	827	$	424
Quarter-to-date foregone interest income on impaired loans	$	199	$	217	$	221
Year-to-date foregone interest income on impaired loans	$	407	$	853	$	411

The following table presents an analysis of information pertaining to impaired loans, excluding purchased loans as of June 30, 2019, December 31, 2018 and June 30, 2018:



(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Three Month Average Recorded Investment		Six Month Average Recorded Investment
June 30, 2019
Commercial, financial and agricultural	$	3,992	$	1,881	$	1,815	$	3,696	$	644	$	2,580	$	2,276
Real estate – construction and development	1,866		700		573		1,273		4		1,330		1,232
Real estate – commercial and farmland	6,710		662		5,433		6,095		577		6,273		6,688
Real estate – residential	19,924		5,305		14,285		19,590		1,339		19,474		17,621
Consumer installment	435		427		—		427		—		432		470
Total	$	32,927	$	8,975	$	22,106	$	31,081	$	2,564	$	30,089	$	28,287



(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Three Month Average Recorded Investment		Twelve Month Average Recorded Investment
December 31, 2018
Commercial, financial and agricultural	$	1,902	$	1,155	$	513	$	1,668	$	4	$	1,736	$	1,637
Real estate – construction and development	1,378		613		424		1,037		3		1,229		984
Real estate – commercial and farmland	8,950		867		6,649		7,516		1,591		7,537		7,879
Real estate – residential	16,885		5,144		11,365		16,509		867		14,719		15,029
Consumer installment	561		545		—		545		—		584		534
Total	$	29,676	$	8,324	$	18,951	$	27,275	$	2,465	$	25,805	$	26,063



(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Three Month Average Recorded Investment		Six Month Average Recorded Investment
June 30, 2018
Commercial, financial and agricultural	$	2,297	$	1,210	$	568	$	1,778	$	87	$	1,683	$	1,571
Real estate – construction and development	850		679		119		798		1		746		821
Real estate – commercial and farmland	10,168		665		8,149		8,814		1,526		8,488		8,107
Real estate – residential	16,340		5,088		10,840		15,928		1,056		15,158		15,236
Consumer installment	548		518		—		518		—		507		500
Total	$	30,203	$	8,160	$	19,676	$	27,836	$	2,670	$	26,582	$	26,235

The following is a summary of information pertaining to purchased impaired loans:



	As of and for the Period Ended
(dollars in thousands)	June 30, 2019		December 31, 2018		June 30, 2018
Nonaccrual loans	$	23,350	$	24,107	$	33,557
Troubled debt restructurings not included above	18,430		18,740		20,607
Total impaired loans	$	41,780	$	42,847	$	54,164

Quarter-to-date interest income recognized on impaired loans	$	889	$	918	$	280
Year-to-date interest income recognized on impaired loans	$	1,561	$	2,203	$	976
Quarter-to-date foregone interest income on impaired loans	$	551	$	451	$	280
Year-to-date foregone interest income on impaired loans	$	1,071	$	1,483	$	525

The following table presents an analysis of information pertaining to purchased impaired loans as of June 30, 2019, December 31, 2018 and June 30, 2018:



(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Three Month Average Recorded Investment		Six Month Average Recorded Investment
June 30, 2019
Commercial, financial and agricultural	$	10,209	$	663	$	1,783	$	2,446	$	—	$	3,168	$	2,522
Real estate – construction and development	14,353		1,359		6,706		8,065		494		7,504		7,381
Real estate – commercial and farmland	13,365		1,289		10,692		11,981		1,407		11,573		11,614
Real estate – residential	21,100		6,916		11,867		18,783		541		19,741		20,594
Consumer installment	599		505		—		505		—		549		528
Total	$	59,626	$	10,732	$	31,048	$	41,780	$	2,442	$	42,535	$	42,639



(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Three Month Average Recorded Investment		Twelve Month Average Recorded Investment
December 31, 2018
Commercial, financial and agricultural	$	5,717	$	473	$	757	$	1,230	$	—	$	1,101	$	836
Real estate – construction and development	13,714		623		6,511		7,134		476		7,240		5,712
Real estate – commercial and farmland	14,766		1,115		10,581		11,696		684		13,514		12,349
Real estate – residential	24,839		8,185		14,116		22,301		773		23,146		21,433
Consumer installment	526		486		—		486		—		487		229
Total	$	59,562	$	10,882	$	31,965	$	42,847	$	1,933	$	45,488	$	40,559



(dollars in thousands)	Unpaid Contractual Principal Balance		Recorded Investment With No Allowance		Recorded Investment With Allowance		Total Recorded Investment		Related Allowance		Three Month Average Recorded Investment		Six Month Average Recorded Investment
June 30, 2018
Commercial, financial and agricultural	$	5,945	$	1,522	$	80	$	1,602	$	1	$	582	$	659
Real estate – construction and development	16,715		7,210		3,359		10,569		521		4,962		4,693
Real estate – commercial and farmland	17,039		4,298		10,705		15,003		1,088		11,161		11,573
Real estate – residential	29,145		12,017		14,789		26,806		728		21,196		20,292
Consumer installment	232		184		—		184		—		62		57
Total	$	69,076	$	25,231	$	28,933	$	54,164	$	2,338	$	37,963	$	37,274

Summary of Credit Quality Indicate Financial Receivable

The following table presents the loan portfolio, excluding purchased loans, by risk grade as of June 30, 2019 and December 31, 2018 (in thousands):



Risk Grade	Commercial, Financial and Agricultural		Real Estate - Construction and Development		Real Estate - Commercial and Farmland		Real Estate - Residential		Consumer Installment		Total
June 30, 2019
1	$	522,356	$	—	$	9,179	$	671	$	11,580	$	543,786
2	642,419		18,169		34,661		35,354		18		730,621
3	153,181		92,379		1,104,632		1,426,987		24,194		2,801,373
4	305,158		639,722		766,726		100,068		413,409		2,225,083
5	18,592		33,688		80,389		7,218		49		139,936
6	971		1,416		28,510		3,456		61		34,414
7	5,513		3,035		22,250		15,892		542		47,232
8	—		—		—		—		—		—
9	—		—		—		—		3		3
Total	$	1,648,190	$	788,409	$	2,046,347	$	1,589,646	$	449,856	$	6,522,448

December 31, 2018
1	$	530,864	$	40	$	500	$	16	$	10,744	$	542,164
2	452,250		681		37,079		33,043		48		523,101
3	174,811		74,657		888,433		1,246,383		23,844		2,408,128
4	137,038		582,456		814,068		94,143		419,983		2,047,688
5	13,714		6,264		30,364		8,634		78		59,054
6	5,130		4,091		20,959		4,881		57		35,118
7	2,552		3,009		23,126		15,900		617		45,204
8	—		—		—		—		—		—
9	—		—		—		—		—		—
Total	$	1,316,359	$	671,198	$	1,814,529	$	1,403,000	$	455,371	$	5,660,457

The following table presents the purchased loan portfolio by risk grade as of June 30, 2019 and December 31, 2018 (in thousands):



Risk Grade	Commercial, Financial and Agricultural		Real Estate - Construction and Development		Real Estate - Commercial and Farmland		Real Estate - Residential		Consumer Installment		Total
June 30, 2019
1	$	77,725	$	—	$	—	$	—	$	523	$	78,248
2	5,113		—		9,254		66,593		109		81,069
3	18,275		21,211		397,977		347,811		1,778		787,052
4	119,108		273,958		654,571		107,495		21,050		1,176,182
5	11,124		6,248		40,127		13,760		34		71,293
6	3,974		6,309		12,607		6,644		127		29,661
7	17,302		7,415		21,330		16,155		718		62,920
8	—		—		—		—		—		—
9	—		—		—		—		—		—
Total	$	252,621	$	315,141	$	1,135,866	$	558,458	$	24,339	$	2,286,425

December 31, 2018
1	$	90,205	$	—	$	—	$	—	$	570	$	90,775
2	2,648		—		7,407		74,398		164		84,617
3	20,489		18,022		230,089		385,279		2,410		656,289
4	215,096		195,079		1,034,943		118,082		23,177		1,586,377
5	14,445		2,728		29,468		16,937		35		63,613
6	11,601		1,459		10,063		7,231		94		30,448
7	18,202		10,612		25,889		21,272		738		76,713
8	—		—		—		—		—		—
9	—		—		—		—		—		—
Total	$	372,686	$	227,900	$	1,337,859	$	623,199	$	27,188	$	2,588,832

Summary of Troubled Debt Restructurings by Loan Class

The following table presents the purchased loans by class modified as troubled debt restructurings, which occurred during the six months ended June 30, 2019 and 2018:



	June 30, 2019			June 30, 2018
Loan Class	#	Balance (in thousands)		#	Balance (in thousands)
Commercial, financial and agricultural	—	$	—	1	$	6
Real estate – construction and development	—	—		—	—
Real estate – commercial and farmland	—	—		—	—
Real estate – residential	18	1,234		11	985
Consumer installment	4	43		—	—
Total	22	$	1,277	12	$	991

The following table presents the loans by class modified as troubled debt restructurings, excluding purchased loans, which occurred during the six months ended June 30, 2019 and 2018:



	June 30, 2019			June 30, 2018
Loan Class	#	Balance (in thousands)		#	Balance (in thousands)
Commercial, financial and agricultural	2	$	197	6	$	238
Real estate – construction and development	—	—		1	3
Real estate – commercial and farmland	2	214		1	302
Real estate – residential	16	3,560		8	1,189
Consumer installment	5	20		6	38
Total	25	$	3,991	22	$	1,770

Troubled Debt Restructurings on Financing Receivable Payment Default

The following table presents for loans, excluding purchased loans, the troubled debt restructurings by class that defaulted (defined as 30 days past due) during the six months ended June 30, 2019 and 2018:



	June 30, 2019			June 30, 2018
Loan Class	#	Balance (in thousands)		#	Balance (in thousands)
Commercial, financial and agricultural	1	$	3	—	$	—
Real estate – construction and development	—	—		—	—
Real estate – commercial and farmland	—	—		4	11
Real estate – residential	4	857		18	1,081
Consumer installment	3	9		—	—
Total	8	$	869	22	$	1,092

The following table presents purchased loan troubled debt restructurings by class that defaulted (defined as 30 days past due) during the six months ended June 30, 2019 and 2018:



	June 30, 2019			June 30, 2018
Loan Class	#	Balance (in thousands)		#	Balance (in thousands)
Commercial, financial and agricultural	1	$	1	—	$	—
Real estate – construction and development	—	—		—	—
Real estate – commercial and farmland	—	—		—	—
Real estate – residential	15	976		21	1,580
Consumer installment	1	15		—	—
Total	17	$	992	21	$	1,580

Summary of Troubled Debt Restructuring by Loan Class, Classified Separately under Restructured Terms

The following table presents the amount of troubled debt restructurings by loan class of purchased loans, classified separately as accrual and nonaccrual at June 30, 2019 and December 31, 2018.



June 30, 2019	Accruing Loans			Non-Accruing Loans
Loan Class	#	Balance (in thousands)		#	Balance (in thousands)
Commercial, financial and agricultural	1	$	31	3	$	26
Real estate – construction and development	4	986		3	263
Real estate – commercial and farmland	11	5,882		6	1,533
Real estate – residential	115	11,531		19	969
Consumer installment	—	—		7	58
Total	131	$	18,430	38	$	2,849



December 31, 2018	Accruing Loans			Non-Accruing Loans
Loan Class	#	Balance (in thousands)		#	Balance (in thousands)
Commercial, financial and agricultural	1	$	31	3	$	32
Real estate – construction and development	4	1,015		5	293
Real estate – commercial and farmland	12	6,162		7	1,685
Real estate – residential	115	11,532		24	1,424
Consumer installment	—	—		4	17
Total	132	$	18,740	43	$	3,451

The following table presents the amount of troubled debt restructurings by loan class, excluding purchased loans, classified separately as accrual and nonaccrual at June 30, 2019 and December 31, 2018:



June 30, 2019	Accruing Loans			Non-Accruing Loans
Loan Class	#	Balance (in thousands)		#	Balance (in thousands)
Commercial, financial and agricultural	4	$	300	14	$	136
Real estate – construction and development	4	138		1	2
Real estate – commercial and farmland	13	2,911		4	576
Real estate – residential	85	9,593		20	791
Consumer installment	5	10		22	65
Total	111	$	12,952	61	$	1,570



December 31, 2018	Accruing Loans			Non-Accruing Loans
Loan Class	#	Balance (in thousands)		#	Balance (in thousands)
Commercial, financial and agricultural	5	$	256	14	$	138
Real estate – construction and development	5	145		1	2
Real estate – commercial and farmland	12	2,863		3	426
Real estate – residential	71	6,043		20	1,119
Consumer installment	6	16		24	69
Total	99	$	9,323	62	$	1,754

Schedule of Allowances for Loan Losses by Portfolio Segment

The following tables detail activity in the allowance for loan losses by portfolio segment for the three and six-month period ended June 30, 2019, the year ended December 31, 2018 and the three and six-month period ended June 30, 2018. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.



(dollars in thousands)	Commercial, Financial and Agricultural			Real Estate – Construction and Development			Real Estate – Commercial and Farmland			Real Estate – Residential			Consumer Installment			Purchased Loans			Purchased Loan Pools			Total
Three Months Ended June 30, 2019
Balance, March 31, 2019	$	4,528		$	3,928		$	8,567		$	5,207		$	3,936		$	1,796		$	697		$	28,659
Provision for loan losses	2,370			544			(1,202		)	2,151			336			495			(26		)	4,668
Loans charged off	(1,338		)	(222		)	(100		)	(40		)	(1,126		)	(670		)	—			(3,496		)
Recoveries of loans previously charged off	742			19			4			133			242			822			—			1,962
Balance, June 30, 2019	$	6,302		$	4,269		$	7,269		$	7,451		$	3,388		$	2,443		$	671		$	31,793

Six Months Ended June 30, 2019
Balance, December 31, 2018	$	4,287		$	3,734		$	8,975		$	5,363		$	3,795		$	1,933		$	732		$	28,819
Provision for loan losses	3,550			762			(361		)	1,911			2,206			69			(61		)	8,076
Loans charged off	(3,342		)	(247		)	(1,353		)	(60		)	(3,019		)	(854		)	—			(8,875		)
Recoveries of loans previously charged off	1,807			20			8			237			406			1,295			—			3,773
Balance, June 30, 2019	$	6,302		$	4,269		$	7,269		$	7,451		$	3,388		$	2,443		$	671		$	31,793

Period-end allocation:
Loans individually evaluated for impairment ⁽¹⁾	$	2,026		$	4		$	577		$	1,339		$	—		$	2,443		$	—		$	6,389
Loans collectively evaluated for impairment	4,276			4,265			6,692			6,112			3,388			—			671			25,404
Ending balance	$	6,302		$	4,269		$	7,269		$	7,451		$	3,388		$	2,443		$	671		$	31,793

Loans:
Individually evaluated for impairment⁽¹⁾	$	4,620		$	574		$	5,433		$	14,285		$	—		$	32,549		$	—		$	57,461
Collectively evaluated for impairment	1,643,570			787,835			2,040,914			1,575,361			449,856			2,181,538			240,997			8,920,071
Acquired with deteriorated credit quality	—			—			—			—			—			72,338			—			72,338
Ending balance	$	1,648,190		$	788,409		$	2,046,347		$	1,589,646		$	449,856		$	2,286,425		$	240,997		$	9,049,870

(1) At June 30, 2019, loans individually evaluated for impairment includes all nonaccrual loans greater than $100,000 and all troubled debt restructurings greater than $100,000, including all troubled debt restructurings and not only those currently classified as troubled debt restructurings.



(dollars in thousands)	Commercial, Financial and Agricultural			Real Estate – Construction and Development			Real Estate – Commercial and Farmland			Real Estate – Residential			Consumer Installment			Purchased Loans			Purchased Loan Pools			Total
Twelve Months Ended December 31, 2018
Balance, December 31, 2017	$	3,631		$	3,629		$	7,501		$	4,786		$	1,916		$	3,253		$	1,075		$	25,791
Provision for loan losses	10,690			277			1,636			1,002			5,569			(2,164		)	(343		)	16,667
Loans charged off	(13,803		)	(292		)	(338		)	(771		)	(4,189		)	(1,738		)	—			(21,131		)
Recoveries of loans previously charged off	3,769			120			176			346			499			2,582			—			7,492
Balance, December 31, 2018	$	4,287		$	3,734		$	8,975		$	5,363		$	3,795		$	1,933		$	732		$	28,819

Period-end allocation:
Loans individually evaluated for impairment⁽¹⁾	$	570		$	3		$	1,591		$	867		$	—		$	1,933		$	—		$	4,964
Loans collectively evaluated for impairment	3,717			3,731			7,384			4,496			3,795			—			732			23,855
Ending balance	$	4,287		$	3,734		$	8,975		$	5,363		$	3,795		$	1,933		$	732		$	28,819

Loans:
Individually evaluated for impairment ⁽¹⁾	$	3,211		$	424		$	6,649		$	11,364		$	—		$	32,244		$	—		$	53,892
Collectively evaluated for impairment	1,313,148			670,774			1,807,880			1,391,636			455,371			2,468,996			262,625			8,370,430
Acquired with deteriorated credit quality	—			—			—			—			—			87,592			—			87,592
Ending balance	$	1,316,359		$	671,198		$	1,814,529		$	1,403,000		$	455,371		$	2,588,832		$	262,625		$	8,511,914

(1) At December 31, 2018, loans individually evaluated for impairment includes all nonaccrual loans greater than $100,000 and all troubled debt restructurings greater than $100,000, including all troubled debt restructurings and not only those currently classified as troubled debt restructurings.



(dollars in thousands)	Commercial, Financial and Agricultural			Real Estate – Construction and Development			Real Estate – Commercial and Farmland			Real Estate – Residential			Consumer Installment			Purchased Loans			Purchased Loan Pools			Total
Three Months Ended June 30, 2018
Balance, March 31, 2018	$	3,621		$	3,572		$	8,072		$	4,947		$	2,172		$	2,822		$	994		$	26,200
Provision for loan losses	7,276			235			132			364			1,427			(106		)	(218		)	9,110
Loans charged off	(3,744		)	(20		)	—			(204		)	(839		)	(910		)	—			(5,717		)
Recoveries of loans previously charged off	1,247			2			11			29			117			533			—			1,939
Balance, June 30, 2018	$	8,400		$	3,789		$	8,215		$	5,136		$	2,877		$	2,339		$	776		$	31,532

Six Months Ended June 30, 2018
Balance, December 31, 2017	$	3,631		$	3,629		$	7,501		$	4,786		$	1,916		$	3,253		$	1,075		$	25,791
Provision for loan losses	8,059			64			821			541			2,578			(853		)	(299		)	10,911
Loans charged off	(5,193		)	(20		)	(142		)	(402		)	(1,801		)	(1,031		)	—			(8,589		)
Recoveries of loans previously charged off	1,903			116			35			211			184			970			—			3,419
Balance, June 30, 2018	$	8,400		$	3,789		$	8,215		$	5,136		$	2,877		$	2,339		$	776		$	31,532

Period-end allocation:
Loans individually evaluated for impairment⁽¹⁾	$	5,003		$	1		$	1,526		$	1,056		$	—		$	2,339		$	1		$	9,926
Loans collectively evaluated for impairment	3,397			3,788			6,689			4,080			2,877			—			775			21,606
Ending balance	$	8,400		$	3,789		$	8,215		$	5,136		$	2,877		$	2,339		$	776		$	31,532

Loans:
Individually evaluated for impairment ⁽¹⁾	$	10,881		$	119		$	8,149		$	10,840		$	—		$	29,041		$	2,196		$	61,226
Collectively evaluated for impairment	1,435,976			672,036			1,632,262			1,234,530			375,722			2,656,722			295,313			8,302,561
Acquired with deteriorated credit quality	—			—			—			—			—			126,747			—			126,747
Ending balance	$	1,446,857		$	672,155		$	1,640,411		$	1,245,370		$	375,722		$	2,812,510		$	297,509		$	8,490,534

(1) At June 30, 2018, loans individually evaluated for impairment includes all nonaccrual loans greater than $100,000 and all troubled debt restructurings greater than $100,000, including all troubled debt restructurings and not only those currently classified as troubled debt restructurings.