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Loans and Allowance for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2019
Loans and Leases Receivable Disclosure [Abstract]  
Outstanding Balances of Loan
The following table provides outstanding balances related to each of our loan types:
 
 
June 30, 2019
 
December 31, 2018
 
Originated
 
Acquired
 
Total
 
Originated
 
Acquired
 
Total
 
(dollars in thousands)
Commercial, financial, agricultural and other
$
1,201,705

 
$
34,719

 
$
1,236,424

 
$
1,100,947

 
$
37,526

 
$
1,138,473

Real estate construction
435,385

 
6,469

 
441,854

 
353,008

 
5,970

 
358,978

Residential real estate
1,350,765

 
228,676

 
1,579,441

 
1,313,645

 
248,760

 
1,562,405

Commercial real estate
1,939,608

 
178,974

 
2,118,582

 
1,922,349

 
201,195

 
2,123,544

Loans to individuals
622,936

 
3,822

 
626,758

 
585,347

 
5,392

 
590,739

Total loans
$
5,550,399

 
$
452,660

 
$
6,003,059

 
$
5,275,296

 
$
498,843

 
$
5,774,139
Credit Risk Profile by Creditworthiness
The following tables represent our credit risk profile by creditworthiness:
 
June 30, 2019
 
Commercial, financial, agricultural and other
 
Real estate construction
 
Residential real estate
 
Commercial real estate
 
Loans to individuals
 
Total
 
(dollars in thousands)
Originated loans
 
 
 
 
 
 
 
 
 
 
 
Pass
$
1,154,497

 
$
435,356

 
$
1,340,786

 
$
1,893,994

 
$
622,677

 
$
5,447,310

Non-Pass
 
 
 
 
 
 
 
 
 
 
 
OAEM
40,460

 
29

 
684

 
22,850

 
—

 
64,023

Substandard
6,748

 
—

 
9,295

 
22,764

 
259

 
39,066

Doubtful
—

 
—

 
—

 
—

 
—

 
—

Total Non-Pass
47,208

 
29

 
9,979

 
45,614

 
259

 
103,089

Total
$
1,201,705

 
$
435,385

 
$
1,350,765

 
$
1,939,608

 
$
622,936

 
$
5,550,399

 
 
 
 
 
 
 
 
 
 
 
 
Acquired loans
 
 
 
 
 
 
 
 
 
 
 
Pass
$
29,199

 
$
5,864

 
$
226,003

 
$
172,898

 
$
3,809

 
$
437,773

Non-Pass
 
 
 
 
 
 
 
 
 
 
 
OAEM
762

 
605

 
647

 
1,964

 
—

 
3,978

Substandard
4,758

 
—

 
2,026

 
4,112

 
13

 
10,909

Doubtful
—

 
—

 
—

 
—

 
—

 
—

Total Non-Pass
5,520

 
605

 
2,673

 
6,076

 
13

 
14,887

Total
$
34,719

 
$
6,469

 
$
228,676

 
$
178,974

 
$
3,822

 
$
452,660

 
 
December 31, 2018
 
Commercial, financial, agricultural and other
 
Real estate construction
 
Residential real estate
 
Commercial real estate
 
Loans to individuals
 
Total
 
(dollars in thousands)
Originated loans
 
 
 
 
 
 
 
 
 
 
 
Pass
$
1,055,394

 
$
337,367

 
$
1,302,912

 
$
1,880,139

 
$
585,141

 
$
5,160,953

Non-Pass
 
 
 
 
 
 
 
 
 
 
 
OAEM
33,723

 
15,641

 
1,026

 
28,904

 
—

 
79,294

Substandard
11,830

 
—

 
9,707

 
13,306

 
206

 
35,049

Doubtful
—

 
—

 
—

 
—

 
—

 
—

Total Non-Pass
45,553

 
15,641

 
10,733

 
42,210

 
206

 
114,343

Total
$
1,100,947

 
$
353,008

 
$
1,313,645

 
$
1,922,349

 
$
585,347

 
$
5,275,296

 
 
 
 
 
 
 
 
 
 
 
 
Acquired loans
 
 
 
 
 
 
 
 
 
 
 
Pass
$
31,399

 
$
5,337

 
$
245,637

 
$
198,201

 
$
5,377

 
$
485,951

Non-Pass
 
 
 
 
 
 
 
 
 
 
 
OAEM
5,890

 
633

 
736

 
441

 
—

 
7,700

Substandard
237

 
—

 
2,387

 
2,553

 
15

 
5,192

Doubtful
—

 
—

 
—

 
—

 
—

 
—

Total Non-Pass
6,127

 
633

 
3,123

 
2,994

 
15

 
12,892

Total
$
37,526

 
$
5,970

 
$
248,760

 
$
201,195

 
$
5,392

 
$
498,843
Age Analysis of Past Due Loans by Segment
The following tables delineate the aging analysis of the recorded investments in past due loans as of June 30, 2019 and December 31, 2018. Also included in these tables are loans that are 90 days or more past due and still accruing because they are well-secured and in the process of collection.
 
June 30, 2019
 
30 - 59
days
past due
 
60 - 89
days
past
due
 
90 days
or
greater
and still
accruing
 
Nonaccrual
 
Total past
due and
nonaccrual
 
Current
 
Total
 
(dollars in thousands)
Originated loans
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, financial, agricultural and other
$
485

 
$
39

 
$
79

 
$
5,555

 
$
6,158

 
$
1,195,547

 
$
1,201,705

Real estate construction
—

 
—

 
—

 
—

 
—

 
435,385

 
435,385

Residential real estate
2,874

 
1,077

 
1,590

 
5,701

 
11,242

 
1,339,523

 
1,350,765

Commercial real estate
734

 
717

 
191

 
8,141

 
9,783

 
1,929,825

 
1,939,608

Loans to individuals
2,657

 
880

 
631

 
259

 
4,427

 
618,509

 
622,936

Total
$
6,750

 
$
2,713

 
$
2,491

 
$
19,656

 
$
31,610

 
$
5,518,789

 
$
5,550,399

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Acquired loans
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, financial, agricultural and other
$
—

 
$
—

 
$
—

 
$
4,718

 
$
4,718

 
$
30,001

 
$
34,719

Real estate construction
—

 
—

 
—

 
—

 
—

 
6,469

 
6,469

Residential real estate
295

 
59

 
143

 
1,782

 
2,279

 
226,397

 
228,676

Commercial real estate
133

 
46

 
—

 
410

 
589

 
178,385

 
178,974

Loans to individuals
28

 
6

 
22

 
13

 
69

 
3,753

 
3,822

Total
$
456

 
$
111

 
$
165

 
$
6,923

 
$
7,655

 
$
445,005

 
$
452,660

 
 
December 31, 2018
 
30 - 59
days
past due
 
60 - 89
days
past
due
 
90 days
or
greater
and still
accruing
 
Nonaccrual
 
Total past
due and
nonaccrual
 
Current
 
Total
 
(dollars in thousands)
Originated loans
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, financial, agricultural and other
$
130

 
$
247

 
$
92

 
$
10,223

 
$
10,692

 
$
1,090,255

 
$
1,100,947

Real estate construction
212

 
—

 
—

 
—

 
212

 
352,796

 
353,008

Residential real estate
3,697

 
710

 
790

 
6,238

 
11,435

 
1,302,210

 
1,313,645

Commercial real estate
492

 
69

 
—

 
3,437

 
3,998

 
1,918,351

 
1,922,349

Loans to individuals
2,362

 
532

 
662

 
207

 
3,763

 
581,584

 
585,347

Total
$
6,893

 
$
1,558

 
$
1,544

 
$
20,105

 
$
30,100

 
$
5,245,196

 
$
5,275,296

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Acquired loans
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, financial, agricultural and other
$
1

 
$
—

 
$
—

 
$
204

 
$
205

 
$
37,321

 
$
37,526

Real estate construction
—

 
—

 
—

 
—

 
—

 
5,970

 
5,970

Residential real estate
226

 
24

 
27

 
1,904

 
2,181

 
246,579

 
248,760

Commercial real estate
—

 
—

 
—

 
1,042

 
1,042

 
200,153

 
201,195

Loans to individuals
46

 
12

 
11

 
15

 
84

 
5,308

 
5,392

Total
$
273

 
$
36

 
$
38

 
$
3,165

 
$
3,512

 
$
495,331

 
$
498,843
Recorded Investment and Unpaid Principal Balance for Impaired Loans with Associated Allowance
The following tables include the recorded investment and unpaid principal balance for impaired loans with the associated allowance amount, if applicable, as of June 30, 2019 and December 31, 2018. Also presented are the average recorded investment in impaired loans and the related amount of interest recognized while the loan was considered impaired. Average balances are calculated using month-end balances of the loans for the period reported and are included in the table below based on their period-end allowance position.
 
June 30, 2019
 
December 31, 2018
 
Recorded
investment
 
Unpaid
principal
balance
 
Related
allowance
 
Recorded
investment
 
Unpaid
principal
balance
 
Related
allowance
 
(dollars in thousands)
Originated loans:
 
 
 
 
 
 
 
 
 
 
 
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
Commercial, financial, agricultural and other
$
2,767

 
$
7,828

 


 
$
8,735

 
$
16,442

 


Real estate construction
—

 
—

 


 
—

 
—

 


Residential real estate
10,092

 
11,735

 


 
10,726

 
12,571

 


Commercial real estate
3,042

 
3,265

 


 
3,599

 
3,812

 


Loans to individuals
361

 
550

 


 
281

 
408

 


Subtotal
16,262

 
23,378

 


 
23,341

 
33,233

 


With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
Commercial, financial, agricultural and other
4,195

 
5,886

 
$
1,330

 
3,042

 
3,181

 
$
797

Real estate construction
—

 
—

 
—

 
—

 
—

 
—

Residential real estate
761

 
760

 
87

 
486

 
495

 
107

Commercial real estate
7,256

 
7,347

 
1,088

 
1,866

 
1,878

 
596

Loans to individuals
—

 
—

 
—

 
—

 
—

 
—

Subtotal
12,212

 
13,993

 
2,505

 
5,394

 
5,554

 
1,500

Total
$
28,474

 
$
37,371

 
$
2,505

 
$
28,735

 
$
38,787

 
$
1,500


 
 
June 30, 2019
 
December 31, 2018
 
Recorded
investment
 
Unpaid
principal
balance
 
Related
allowance
 
Recorded
investment
 
Unpaid
principal
balance
 
Related
allowance
 
(dollars in thousands)
Acquired loans
 
 
 
 
 
 
 
 
 
 
 
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
Commercial, financial, agricultural and other
$
4,718

 
$
4,718

 
 
 
$
73

 
$
73

 
 
Real estate construction
—

 
—

 
 
 
—

 
—

 
 
Residential real estate
1,939

 
2,391

 
 
 
2,031

 
2,604

 
 
Commercial real estate
251

 
276

 
 
 
1,042

 
2,052

 
 
Loans to individuals
13

 
15

 
 
 
15

 
17

 
 
Subtotal
6,921

 
7,400

 
 
 
3,161

 
4,746

 
 
With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
Commercial, financial, agricultural and other
—

 
—

 
$
—

 
131

 
131

 
$
131

Real estate construction
—

 
—

 
—

 
—

 
—

 
—

Residential real estate
—

 
—

 
—

 
—

 
—

 
—

Commercial real estate
159

 
172

 
25

 
—

 
—

 
—

Loans to individuals
—

 
—

 
—

 
—

 
—

 
—

Subtotal
159

 
172

 
25

 
131

 
131

 
131

Total
$
7,080

 
$
7,572

 
$
25

 
$
3,292

 
$
4,877

 
$
131


 
For the Six Months Ended June 30,
 
2019
 
2018
 
Originated Loans
 
Acquired Loans
 
Originated Loans
 
Acquired Loans
 
Average
recorded
investment
 
Interest
income
recognized
 
Average
recorded
investment
 
Interest
income
recognized
 
Average
recorded
investment
 
Interest
income
recognized
 
Average
recorded
investment
 
Interest
income
recognized
 
(dollars in thousands)
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, financial, agricultural and other
$
2,216

 
$
7

 
$
1,035

 
$
—

 
$
8,034

 
$
528

 
$
355

 
$
—

Real estate construction
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Residential real estate
10,577

 
186

 
1,975

 
5

 
10,316

 
125

 
1,366

 
1

Commercial real estate
3,256

 
101

 
620

 
18

 
6,076

 
54

 
1,359

 
—

Loans to individuals
340

 
7

 
14

 
—

 
322

 
4

 
17

 
—

Subtotal
16,389

 
301

 
3,644

 
23

 
24,748

 
711

 
3,097

 
1

With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, financial, agricultural and other
3,784

 
30

 
—

 
—

 
19,694

 
52

 
—

 
—

Real estate construction
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Residential real estate
571

 
12

 
—

 
—

 
845

 
9

 
32

 
—

Commercial real estate
5,550

 
2

 
162

 
—

 
2,477

 
35

 
—

 
—

Loans to individuals
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Subtotal
9,905

 
44

 
162

 
—

 
23,016

 
96

 
32

 
—

Total
$
26,294

 
$
345

 
$
3,806

 
$
23

 
$
47,764

 
$
807

 
$
3,129

 
$
1

 
For the Three Months Ended June 30,
 
2019
 
2018
 
Originated Loans
 
Acquired Loans
 
Originated Loans
 
Acquired Loans
 
Average
recorded
investment
 
Interest
Income
Recognized
 
Average
recorded
investment
 
Interest
Income
Recognized
 
Average
recorded
investment
 
Interest
Income
Recognized
 
Average
recorded
investment
 
Interest
Income
Recognized
 
(dollars in thousands)
With no related allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, financial, agricultural and other
$
2,268

 
$
5

 
$
1,630

 
$
—

 
$
6,793

 
$
481

 
$
299

 
$
—

Real estate construction
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Residential real estate
10,242

 
115

 
1,969

 
4

 
10,334

 
64

 
1,962

 
1

Commercial real estate
3,034

 
65

 
423

 
17

 
6,086

 
23

 
1,692

 
—

Loans to individuals
357

 
5

 
14

 
—

 
292

 
3

 
16

 
—

Subtotal
15,901

 
190

 
4,036

 
21

 
23,505

 
571

 
3,969

 
1

With an allowance recorded:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial, financial, agricultural and other
3,957

 
16

 
—

 
—

 
22,812

 
23

 
—

 
—

Real estate construction
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Residential real estate
653

 
7

 
—

 
—

 
880

 
5

 
65

 
—

Commercial real estate
7,304

 
1

 
161

 
—

 
3,551

 
34

 
—

 
—

Loans to individuals
—

 
—

 
—

 
—

 
—

 
—

 
—

 
—

Subtotal
11,914

 
24

 
161

 
—

 
27,243

 
62

 
65

 
—

Total
$
27,815

 
$
214

 
$
4,197

 
$
21

 
$
50,748

 
$
633

 
$
4,034

 
$
1
Troubled Debt Restructured Loans and Commitments
The following table provides detail as to the total troubled debt restructured loans and total commitments outstanding on troubled debt restructured loans:
 
June 30, 2019
 
December 31, 2018
 
(dollars in thousands)
Troubled debt restructured loans
 
 
 
Accrual status
$
8,975

 
$
8,757

Nonaccrual status
10,914

 
11,761

Total
$
19,889

 
$
20,518

Commitments
 
 
 
Letters of credit
$
60

 
$
60

Unused lines of credit
148

 
1,027

Total
$
208

 
$
1,087


The following tables provide detail, including specific reserves and reasons for modification, related to loans identified as troubled debt restructurings:
 
For the Six Months Ended June 30, 2019
 
 
 
Type of Modification
 
 
 
 
 
 
 
Number
of
Contracts
 
Extend
Maturity
 
Modify
Rate
 
Modify
Payments
 
Total
Pre-Modification
Outstanding
Recorded
Investment
 
Post-
Modification
Outstanding
Recorded
Investment
 
Specific
Reserve
 
(dollars in thousands)
Commercial, financial, agricultural and other
1

 
$
—

 
$
—

 
$
61

 
$
61

 
$
62

 
$
—

Real estate construction
—

 
—

 
—

 
—

 
—

 
—

 
—

Residential real estate
11

 
17

 
117

 
788

 
922

 
897

 
37

Commercial real estate
3

 
—

 
—

 
6,119

 
6,119

 
5,854

 
969

Loans to individuals
5

 
—

 
—

 
62

 
62

 
56

 
—

Total
20

 
$
17

 
$
117

 
$
7,030

 
$
7,164

 
$
6,869

 
$
1,006


 
For the Six Months Ended June 30, 2018
 
 
 
Type of Modification
 
 
 
 
 
 
 
Number
of
Contracts
 
Extend
Maturity
 
Modify
Rate
 
Modify
Payments
 
Total
Pre-Modification
Outstanding
Recorded
Investment
 
Post-
Modification
Outstanding
Recorded
Investment
 
Specific
Reserve
 
(dollars in thousands)
Commercial, financial, agricultural and other
8

 
$
4,710

 
$
—

 
$
11,679

 
$
16,389

 
$
11,972

 
$
4,095

Residential real estate
17

 
20

 
75

 
729

 
824

 
779

 
—

Commercial real estate
3

 
3,017

 
—

 
966

 
3,983

 
3,870

 
206

Loans to individuals
7

 
—

 
52

 
26

 
78

 
69

 
—

Total
35

 
$
7,747

 
$
127

 
$
13,400

 
$
21,274

 
$
16,690

 
$
4,301


The troubled debt restructurings included in the above tables are also included in the impaired loan tables provided earlier in this note. Loans defined as modified due to a change in rate may include loans that were modified for a change in rate as well as a re-amortization of the principal and an extension of the maturity. For both the six months ended June 30, 2019 and 2018, $0.1 million of total rate modifications represent loans with modifications to the rate as well as payment as a result of re-amortization. For both 2019 and 2018 the changes in loan balances between the pre-modification balance and the post-modification balance are due to customer payments.
The following tables provide detail, including specific reserves and reasons for modification, related to loans identified as troubled debt restructurings:
 
For the Three Months Ended June 30, 2019
 
 
 
Type of Modification
 
 
 
 
 
 
 
Number
of
Contracts
 
Extend
Maturity
 
Modify
Rate
 
Modify
Payments
 
Total
Pre-Modification
Outstanding
Recorded
Investment
 
Post-
Modification
Outstanding
Recorded
Investment
 
Specific
Reserve
 
(dollars in thousands)
Commercial, financial, agricultural and other
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

 
$
—

Real estate construction
—

 
—

 
—

 
—

 
—

 
—

 
—

Residential real estate
5

 
—

 
68

 
273

 
341

 
337

 
—

Commercial real estate
2

 
—

 
—

 
5,878

 
5,878

 
5,613

 
969

Loans to individuals
3

 
—

 
—

 
14

 
14

 
14

 
—

Total
10

 
$
—

 
$
68

 
$
6,165

 
$
6,233

 
$
5,964

 
$
969


 
For the Three Months Ended, June 30, 2018
 
 
 
Type of Modification
 
 
 
 
 
 
 
Number
of
Contracts
 
Extend
Maturity
 
Modify
Rate
 
Modify
Payments
 
Total
Pre-Modification
Outstanding
Recorded
Investment
 
Post-
Modification
Outstanding
Recorded
Investment
 
Specific
Reserve
 
(dollars in thousands)
Commercial, financial, agricultural and other
7

 
$
—

 
$
—

 
$
11,679

 
$
11,679

 
$
11,591

 
$
3,714

Residential real estate
6

 
—

 
—

 
383

 
383

 
381

 
—

Commercial real estate
2

 
—

 
—

 
966

 
966

 
960

 
—

Loans to individuals
4

 
—

 
24

 
14

 
38

 
35

 
—

Total
19

 
$
—

 
$
24

 
$
13,042

 
$
13,066

 
$
12,967

 
$
3,714

The troubled debt restructurings included in the above tables are also included in the impaired loan tables provided earlier in this note. Loans defined as modified due to a change in rate may include loans that were modified for a change in rate as well as a re-amortization of the principal and an extension of the maturity. For the three months ended June 30, 2019 and 2018, $68 thousand and $24 thousand, respectively, of total rate modifications represent loans with modifications to the rate as well as payment as a result of re-amortization. For both 2019 and 2018 the changes in loan balances between the pre-modification balance and the post-modification balance are due to customer payments.
Troubled Debt Restructuring Subsequent Default [Table Text Block]
A troubled debt restructuring is considered to be in default when a restructured loan is 90 days or more past due. The following table provides information related to loans that were restructured within the past twelve months and that were considered to be in default during the six months ended June 30:
 
2019
 
2018
 
Number of
Contracts
 
Recorded
Investment
 
Number of
Contracts
 
Recorded
Investment
 
(dollars in thousands)
Commercial, financial, agricultural and other
—

 
$
—

 
1

 
$
302

Residential real estate
1

 
22

 
—

 
—

Loans to individuals
1

 
10

 
—

 
—

Total
2

 
$
32

 
1

 
$
302

The following table provides information related to loans that were restructured within the past twelve months and that were considered to be in default during the three months ended June 30:
 
2019
 
2018
 
Number of
Contracts
 
Recorded
Investment
 
Number of
Contracts
 
Recorded
Investment
 
(dollars in thousands)
Residential real estate
1

 
$
22

 
—

 
$
—

Total
1

 
$
22

 
—

 
$
—
Allowance for Credit Losses he following tables provide detail related to the allowance for credit losses:
 
For the Six Months Ended June 30, 2019
 
Commercial,
financial,
agricultural
and other
 
Real estate
construction
 
Residential
real estate
 
Commercial
real estate
 
Loans to
individuals
 
Total
 
(dollars in thousands)
Allowance for credit losses:
 
 
 
 
 
 
 
 
 
 
 
Originated loans:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
$
19,235

 
$
2,002

 
$
3,934

 
$
18,382

 
$
4,033

 
$
47,586

Charge-offs
(842
)
 
—

 
(234
)
 
(299
)
 
(2,478
)
 
(3,853
)
Recoveries
139

 
84

 
184

 
79

 
257

 
743

Provision (credit)
2,146

 
405

 
249

 
1,125

 
2,595

 
6,520

Ending balance
20,678

 
2,491

 
4,133

 
19,287

 
4,407

 
50,996

Acquired loans:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
139

 
—

 
35

 
4

 
—

 
178

Charge-offs
(552
)
 
—

 
(46
)
 
—

 
(6
)
 
(604
)
Recoveries
32

 
—

 
35

 
—

 
14

 
81

Provision (credit)
396

 
—

 
1

 
21

 
(8
)
 
410

Ending balance
15

 
—

 
25

 
25

 
—

 
65

Total ending balance
$
20,693

 
$
2,491

 
$
4,158

 
$
19,312

 
$
4,407

 
$
51,061

Ending balance: individually evaluated for impairment
$
1,330

 
$
—

 
$
87

 
$
1,113

 
$
—

 
$
2,530

Ending balance: collectively evaluated for impairment
19,363

 
2,491

 
4,071

 
18,199

 
4,407

 
48,531

Loans:
 
 
 
 
 
 
 
 
 
 
 
Ending balance
1,236,424

 
441,854

 
1,579,441

 
2,118,582

 
626,758

 
6,003,059

Ending balance: individually evaluated for impairment
11,206

 
—

 
4,065

 
10,216

 
—

 
25,487

Ending balance: collectively evaluated for impairment
1,225,218

 
441,854

 
1,575,376

 
2,108,366

 
626,758

 
5,977,572

 
For the Six Months Ended June 30, 2018
 
Commercial,
financial,
agricultural
and other
 
Real estate
construction
 
Residential
real estate
 
Commercial
real estate
 
Loans to
individuals
 
Total
 
(dollars in thousands)
Allowance for credit losses:
 
 
 
 
 
 
 
 
 
 
 
Originated loans:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
$
23,418

 
$
1,349

 
$
2,753

 
$
17,328

 
$
3,404

 
$
48,252

Charge-offs
(861
)
 
—

 
(681
)
 
(2,411
)
 
(2,245
)
 
(6,198
)
Recoveries
618

 
1

 
196

 
87

 
307

 
1,209

Provision (credit)
1,907

 
(88
)
 
1,288

 
2,727

 
2,061

 
7,895

Ending balance
25,082

 
1,262

 
3,556

 
17,731

 
3,527

 
51,158

Acquired loans:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
11

 
—

 
6

 
29

 
—

 
46

Charge-offs
(93
)
 
—

 
(48
)
 
—

 
(11
)
 
(152
)
Recoveries
18


6

 
50

 
—

 
12

 
86

Provision (credit)
87

 
(6
)
 
119

 
(23
)
 
(1
)
 
176

Ending balance
23

 
—

 
127

 
6

 
—

 
156

Total ending balance
$
25,105

 
$
1,262

 
$
3,683

 
$
17,737

 
$
3,527

 
$
51,314

Ending balance: individually evaluated for impairment
$
6,597

 
$
—

 
$
342

 
$
662

 
$
—

 
$
7,601

Ending balance: collectively evaluated for impairment
18,508

 
1,262

 
3,341

 
17,075

 
3,527

 
43,713

Loans:
 
 
 
 
 
 
 
 
 
 
 
Ending balance
1,130,638

 
259,825

 
1,518,850

 
2,172,615

 
558,178

 
5,640,106

Ending balance: individually evaluated for impairment
21,087

 
—

 
5,175

 
9,037

 
—

 
35,299

Ending balance: collectively evaluated for impairment
1,109,551

 
259,825

 
1,513,675

 
2,163,578

 
558,178

 
5,604,807



 
For the Three Months Ended June 30, 2019
 
Commercial,
financial,
agricultural
and other
 
Real estate
construction
 
Residential
real estate
 
Commercial
real estate
 
Loans to
individuals
 
Total
 
(dollars in thousands)
Allowance for credit losses:
 
 
 
 
 
 
 
 
 
 
 
Originated loans:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
$
19,815

 
$
2,254

 
$
4,150

 
$
19,218

 
$
4,163

 
$
49,600

Charge-offs
(359
)
 
—

 
(98
)
 
—

 
(1,368
)
 
(1,825
)
Recoveries
63

 
42

 
103

 
38

 
143

 
389

Provision (credit)
1,159

 
195

 
(22
)
 
31

 
1,469

 
2,832

Ending balance
20,678

 
2,491

 
4,133

 
19,287

 
4,407

 
50,996

Acquired loans:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
18

 
—

 
35

 
—

 
—

 
53

Charge-offs
(26
)
 
—

 
(1
)
 
—

 
(1
)
 
(28
)
Recoveries
21

 
—

 
11

 
—

 
5

 
37

Provision (credit)
2

 
—

 
(20
)
 
25

 
(4
)
 
3

Ending balance
15

 
—

 
25

 
25

 
—

 
65

Total ending balance
$
20,693

 
$
2,491

 
$
4,158

 
$
19,312

 
$
4,407

 
$
51,061


 
For the Three Months Ended, June 30, 2018
 
Commercial,
financial,
agricultural
and other
 
Real estate
construction
 
Residential
real estate
 
Commercial
real estate
 
Loans to
individuals
 
Total
 
(dollars in thousands)
Allowance for credit losses:
 
 
 
 
 
 
 
 
 
 
 
Originated loans:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
$
27,532

 
$
1,114

 
$
3,141

 
$
18,494

 
$
3,416

 
$
53,697

Charge-offs
(571
)
 
—

 
(226
)
 
(2,243
)
 
(1,076
)
 
(4,116
)
Recoveries
362

 
—

 
121

 
18

 
112

 
613

Provision (credit)
(2,241
)
 
148

 
520

 
1,462

 
1,075

 
964

Ending balance
25,082

 
1,262

 
3,556

 
17,731

 
3,527

 
51,158

Acquired loans:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
20

 
—

 
13

 
2

 
—

 
35

Charge-offs
(93
)
 
—

 
(32
)
 
—

 
(7
)
 
(132
)
Recoveries
11

 
—

 
33

 
—

 
5

 
49

Provision (credit)
85

 
—

 
113

 
4

 
2

 
204

Ending balance
23

 
—

 
127

 
6

 
—

 
156

Total ending balance
$
25,105

 
$
1,262

 
$
3,683

 
$
17,737

 
$
3,527

 
$
51,314