LOANS AND LEASES (Tables)

12 Months Ended

Dec. 31, 2017

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, 2017 and 2016:



	December 31,
	2017		2016
	(Dollars in thousands)
Commercial, financial & agricultural	$	503,738	$	509,987
Real estate:
Construction	64,525		101,729
Residential mortgage	1,337,193		1,213,983
Home equity	412,230		361,210
Commercial mortgage	979,239		886,615
Consumer	470,819		448,610
Leases	362		677
Subtotal	3,768,106		3,522,811
Net deferred costs	2,509		2,079
Total loans and leases	$	3,770,615	$	3,524,890

Schedule of activity of loans made to certain directors, executive officers and their affiliates

In the normal course of business, our bank makes loans to certain directors, executive officers and their affiliates. These loans are made in the ordinary course of business at normal credit terms. As of December 31, 2017 and December 31, 2016, related party loan balances were $32.2 million and $17.1 million, respectively.

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, 2017 and 2016:



			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



			Real Estate
	Comml., Fin. & Ag.		Constr.			Resi. Mortgage		Home Equity			Comml. Mortgage			Consumer			Leases		Unallocated		Total
	(Dollars in thousands)
December 31, 2016
Allowance:
Individually evaluated for impairment	$	—	$	—		$	—	$	—		$	—		$	—		$	—	$	—	$	—
Collectively evaluated for impairment	8,637		4,224			15,055		3,502			19,104			6,109			—		—		56,631
Total ending balance	$	8,637	$	4,224		$	15,055	$	3,502		$	19,104		$	6,109		$	—	$	—	$	56,631

Loans and leases:
Individually evaluated for impairment	$	1,877	$	2,936		$	19,940	$	333		$	5,637		$	—		$	—	$	—	$	30,723
Collectively evaluated for impairment	508,110		98,793			1,194,043		360,877			880,978			448,610			677		—		3,492,088
Subtotal	509,987		101,729			1,213,983		361,210			886,615			448,610			677		—		3,522,811
Net deferred costs (income)	453		(191		)	3,251		(1		)	(1,176		)	(257		)	—		—		2,079
Total ending balance	$	510,440	$	101,538		$	1,217,234	$	361,209		$	885,439		$	448,353		$	677	$	—	$	3,524,890

Schedule of impaired loans, by class

The following table presents by class, impaired loans as of December 31, 2017 and 2016:



	December 31, 2017						December 31, 2016
	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 & agricultural	$	602	$	491	$	—	$	1,988	$	1,877	$	—
Real estate:
Construction	7,947		2,597		—		9,056		2,936		—
Residential mortgage	14,920		13,862		—		21,568		19,940		—
Home equity	416		416		—		333		333		—
Commercial mortgage	3,914		3,914		—		5,637		5,637		—
Total impaired loans with no related Allowance recorded	27,799		21,280		—		38,582		30,723		—
Total impaired loans	$	27,799	$	21,280	$	—	$	38,582	$	30,723	$	—

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, 2017, 2016 and 2015:



	Year Ended				Year Ended				Year Ended
	December 31, 2017				December 31, 2016				December 31, 2015
	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
	(Dollars in thousands)
Commercial, financial & agricultural	$	1,272	$	24	$	1,891	$	10	$	6,273	$	17
Real estate:
Construction	2,760		99		3,509		123		4,428		190
Residential mortgage	17,122		1,843		21,809		236		25,556		60
Home equity	1,213		69		472		17		545		18
Commercial mortgage	4,893		313		8,537		321		14,240		373
Total	$	27,260	$	2,348	$	36,218	$	707	$	51,042	$	658

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, 2017 and 2016:



	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 & 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



	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, 2016
Commercial, financial & agricultural	$	761	$	80	$	—	$	1,877	$	2,718	$	507,722	$	510,440
Real estate:
Construction	—		—		—		—		—		101,538		101,538
Residential mortgage	5,014		478		—		5,322		10,814		1,206,420		1,217,234
Home equity	43		280		1,120		333		1,776		359,433		361,209
Commercial mortgage	127		—		—		864		991		884,448		885,439
Consumer	1,382		625		271		—		2,278		446,075		448,353
Leases	—		—		—		—		—		677		677
Total	$	7,327	$	1,463	$	1,391	$	8,396	$	18,577	$	3,506,313	$	3,524,890

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, 2017 and 2016:



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



	Pass		Special Mention		Substandard		Loss		Subtotal		Net Deferred Costs (Income)			Total
	(Dollars in thousands)
December 31, 2017
Commercial, financial & 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



	Pass		Special Mention		Substandard		Loss		Subtotal		Net Deferred Costs (Income)			Total
	(Dollars in thousands)
December 31, 2016
Commercial, financial & agricultural	$	502,305	$	2,632	$	5,050	$	—	$	509,987	$	453		$	510,440
Real estate:
Construction	91,812		9,896		21		—		101,729		(191		)	101,538
Residential mortgage	1,208,552		109		5,322		—		1,213,983		3,251			1,217,234
Home equity	359,757		—		1,453		—		361,210		(1		)	361,209
Commercial mortgage	852,872		18,845		14,898		—		886,615		(1,176		)	885,439
Consumer	448,262		—		190		158		448,610		(257		)	448,353
Leases	677		—		—		—		677		—			677
Total	$	3,464,237	$	31,482	$	26,934	$	158	$	3,522,811	$	2,079		$	3,524,890