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Loans and Allowance for Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2020
Loans and Leases Receivable Disclosure [Abstract]  
Outstanding Balances of Loan
The following table provides outstanding balances related to each of our loan types:
 
March 31, 2020December 31, 2019
OriginatedAcquiredTotalOriginatedAcquiredTotal
 (dollars in thousands)
Commercial, financial, agricultural and other$1,242,909  $29,331  $1,272,240  $1,212,026  $29,827  $1,241,853  
Real estate construction408,234  5,224  413,458  442,777  6,262  449,039  
Residential real estate1,439,306  251,834  1,691,140  1,415,808  265,554  1,681,362  
Commercial real estate2,041,339  148,759  2,190,098  1,958,346  159,173  2,117,519  
Loans to individuals734,608  12,400  747,008  685,416  13,959  699,375  
Total loans$5,866,396  $447,548  $6,313,944  $5,714,373  $474,775  $6,189,148  
Credit Risk Profile by Creditworthiness
The following tables represent our credit risk profile by creditworthiness:
 March 31, 2020
 Commercial, financial, agricultural and otherReal estate constructionResidential real estateCommercial real estateLoans to individualsTotal
 (dollars in thousands)
Originated loans
Pass$1,183,879  $408,210  $1,431,760  $2,001,296  $734,333  $5,759,478  
Non-Pass
OAEM21,674  24  466  3,847  7  26,018  
Substandard37,356  —  7,080  36,196  268  80,900  
Doubtful—  —  —  —  —  —  
Total Non-Pass59,030  24  7,546  40,043  275  106,918  
Total$1,242,909  $408,234  $1,439,306  $2,041,339  $734,608  $5,866,396  
Acquired loans
Pass$27,330  $4,679  $249,022  $143,512  $12,388  $436,931  
Non-Pass
OAEM211  545  528  —  —  1,284  
Substandard1,790  —  2,284  5,247  12  9,333  
Doubtful—  —  —  —  —  —  
Total Non-Pass2,001  545  2,812  5,247  12  10,617  
Total$29,331  $5,224  $251,834  $148,759  $12,400  $447,548  
 
 December 31, 2019
 Commercial, financial, agricultural and otherReal estate constructionResidential real estateCommercial real estateLoans to individualsTotal
 (dollars in thousands)
Originated loans
Pass$1,171,363  $442,751  $1,406,845  $1,918,690  $685,108  $5,624,757  
Non-Pass
OAEM29,359  26  475  13,533  —  43,393  
Substandard11,304  —  8,488  26,123  308  46,223  
Doubtful—  —  —  —  —  —  
Total Non-Pass40,663  26  8,963  39,656  308  89,616  
Total$1,212,026  $442,777  $1,415,808  $1,958,346  $685,416  $5,714,373  
Acquired loans
Pass$27,696  $5,697  $262,630  $153,814  $13,947  $463,784  
Non-Pass
OAEM2,009  565  537  2,072  —  5,183  
Substandard122  —  2,387  3,287  12  5,808  
Doubtful—  —  —  —  —  —  
Total Non-Pass2,131  565  2,924  5,359  12  10,991  
Total$29,827  $6,262  $265,554  $159,173  $13,959  $474,775  
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 March 31, 2020 and December 31, 2019. 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.
 March 31, 2020
 30 - 59
days
past due		60 - 89
days
past
due		90 days
or
greater
and still
accruing		NonaccrualTotal past
due and
nonaccrual		CurrentTotal
 (dollars in thousands)
Originated loans
Commercial, financial, agricultural and other$417  $71  $28  $7,154  $7,670  $1,235,239  $1,242,909  
Real estate construction—  —  —  —  —  408,234  408,234  
Residential real estate3,350  1,036  506  6,160  11,052  1,428,254  1,439,306  
Commercial real estate375  66  31  34,021  34,493  2,006,846  2,041,339  
Loans to individuals3,145  885  720  267  5,017  729,591  734,608  
Total$7,287  $2,058  $1,285  $47,602  $58,232  $5,808,164  $5,866,396  
Acquired loans
Commercial, financial, agricultural and other$—  $—  $—  $74  $74  $29,257  $29,331  
Real estate construction—  —  —  —  —  5,224  5,224  
Residential real estate513  313  66  1,850  2,742  249,092  251,834  
Commercial real estate434  —  49  2,093  2,576  146,183  148,759  
Loans to individuals73  5  27  12  117  12,283  12,400  
Total$1,020  $318  $142  $4,029  $5,509  $442,039  $447,548  
 
 December 31, 2019
 30 - 59
days
past due		60 - 89
days
past
due		90 days
or
greater
and still
accruing		NonaccrualTotal past
due and
nonaccrual		CurrentTotal
 (dollars in thousands)
Originated loans
Commercial, financial, agricultural and other$391  $57  $140  $8,780  $9,368  $1,202,658  $1,212,026  
Real estate construction198  —  9  —  207  442,570  442,777  
Residential real estate3,757  749  736  6,646  11,888  1,403,920  1,415,808  
Commercial real estate227  114  —  6,609  6,950  1,951,396  1,958,346  
Loans to individuals4,070  1,020  931  307  6,328  679,088  685,416  
Total$8,643  $1,940  $1,816  $22,342  $34,741  $5,679,632  $5,714,373  
Acquired loans
Commercial, financial, agricultural and other$1  $—  $1  $74  $76  $29,751  $29,827  
Real estate construction—  —  —  —  —  6,262  6,262  
Residential real estate304  207  221  1,949  2,681  262,873  265,554  
Commercial real estate—  107  —  298  405  158,768  159,173  
Loans to individuals87  89  35  12  223  13,736  13,959  
Total$392  $403  $257  $2,333  $3,385  $471,390  $474,775  
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 March 31, 2020 and December 31, 2019. 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.
 March 31, 2020December 31, 2019
 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$958  $1,143  $1,848  $6,997  
Real estate construction—  —  —  —  
Residential real estate9,909  12,056  10,372  12,437  
Commercial real estate4,447  4,965  3,015  3,210  
Loans to individuals473  840  406  640  
Subtotal15,787  19,004  15,641  23,284  
With an allowance recorded:
Commercial, financial, agricultural and other7,469  14,780  $2,727  8,290  10,032  $1,580  
Real estate construction—  —  —  —  —  —  
Residential real estate255  358  —  474  498  1  
Commercial real estate31,451  31,484  6,868  5,293  5,308  851  
Loans to individuals—  —  —  —  —  —  
Subtotal39,175  46,622  9,595  14,057  15,838  2,432  
Total$54,962  $65,626  $9,595  $29,698  $39,122  $2,432  

 
 March 31, 2020December 31, 2019
 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$74  $74  $73  $73  
Real estate construction—  —  —  —  
Residential real estate2,000  2,468  2,136  2,585  
Commercial real estate245  261  298  320  
Loans to individuals12  15  12  15  
Subtotal2,331  2,818  2,519  2,993  
With an allowance recorded:
Commercial, financial, agricultural and other—  —  $—  —  —  $—  
Real estate construction—  —  —  —  —  —  
Residential real estate—  —  —  —  —  —  
Commercial real estate1,847  1,862  204  —  —  —  
Loans to individuals—  —  —  —  —  —  
Subtotal1,847  1,862  204  —  —  —  
Total$4,178  $4,680  $204  $2,519  $2,993  $—  

 For the Three Months Ended March 31,
 20202019
Originated LoansAcquired LoansOriginated LoansAcquired 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$925  $4  $74  $—  $2,707  $13  $439  $—  
Real estate construction—  —  —  —  —  —  —  —  
Residential real estate10,529  78  2,090  2  10,798  72  1,981  1  
Commercial real estate4,086  22  229  —  3,994  36  982  1  
Loans to individuals445  3  12  —  324  1  14  —  
Subtotal15,985  107  2,405  2  17,823  122  3,416  2  
With an allowance recorded:
Commercial, financial, agricultural and other7,838  18  —  —  3,068  3  —  —  
Real estate construction—  —  —  —  —  —  —  —  
Residential real estate325  —  —  —  604  5  —  —  
Commercial real estate13,114  1  616  —  3,278  1  —  —  
Loans to individuals—  —  —  —  —  —  —  —  
Subtotal21,277  19  616  —  6,950  9  —  —  
Total$37,262  $126  $3,021  $2  $24,773  $131  $3,416  $2  
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:
March 31, 2020December 31, 2019
 (dollars in thousands)
Troubled debt restructured loans
Accrual status$7,509  $7,542  
Nonaccrual status5,522  6,037  
Total$13,031  $13,579  
Commitments
Letters of credit$60  $60  
Unused lines of credit213  163  
Total$273  $223  
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 March 31, 2020
  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—  $—  $—  $—  $—  $—  $—  
Residential real estate2  —  —  118  118  117  —  
Commercial real estate2  —  —  12  12  12  —  
Loans to individuals8  —  18  129  147  144  —  
Total12  $—  $18  $259  $277  $273  $—  

 For the Three Months Ended March 31, 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 other1  $—  $—  $61  $61  $62  $—  
Residential real estate6  17  49  514  580  570  40  
Commercial real estate2  —  556  242  798  767  —  
Loans to individuals3  —  —  48  48  46  —  
Total12  $17  $605  $865  $1,487  $1,445  $40  
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 March 31, 2020 and 2019, $18 thousand and $0.6 million, respectively, of total rate modifications represent loans with modifications to the rate as well as
payment as a result of re-amortization. For both 2020 and 2019 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 three months ended March 31:
 20202019
 Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment
 (dollars in thousands)
Residential real estate1  $71  —  $—  
Loans to individuals—  —  1  10  
Total1  $71  1  $10  
Allowance for Credit Losses he following tables provide detail related to the allowance for credit losses:
 For the Three Months Ended March 31, 2020
 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$20,221  $2,558  $4,091  $19,731  $4,984  $51,585  
Charge-offs(486) —  (552) (265) (2,483) (3,786) 
Recoveries68  —  62  44  212  386  
Provision (credit)7,575  294  4,123  11,755  5,555  29,302  
Ending balance27,378  2,852  7,724  31,265  8,268  77,487  
Acquired loans:
Beginning balance13  —  2  37  —  52  
Charge-offs—  —  (25) (1) (136) (162) 
Recoveries13  —  13  —  7  33  
Provision (credit)324  —  10  1,202  129  1,665  
Ending balance350  —  —  1,238  —  1,588  
Total ending balance$27,728  $2,852  $7,724  $32,503  $8,268  $79,075  
Ending balance: individually evaluated for impairment$2,727  $—  $—  $7,072  $—  $9,799  
Ending balance: collectively evaluated for impairment25,001  2,852  7,724  25,431  8,268  69,276  
Loans:
Ending balance1,272,240  413,458  1,691,140  2,190,098  747,008  6,313,944  
Ending balance: individually evaluated for impairment7,544  —  1,506  36,513  —  45,563  
Ending balance: collectively evaluated for impairment1,264,696  413,458  1,689,634  2,153,585  747,008  6,268,381  
 For the Three Months Ended March 31, 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(483) —  (136) (299) (1,110) (2,028) 
Recoveries76  42  81  41  114  354  
Provision (credit)987  210  271  1,094  1,126  3,688  
Ending balance19,815  2,254  4,150  19,218  4,163  49,600  
Acquired loans:
Beginning balance139  —  35  4  —  178  
Charge-offs(526) —  (45) —  (5) (576) 
Recoveries11  —  —  24  —  9  44  
Provision (credit)394  —  21  (4) (4) 407  
Ending balance18  —  35  —  —  53  
Total ending balance$19,833  $2,254  $4,185  $19,218  $4,163  $49,653  
Ending balance: individually evaluated for impairment$1,012  $—  $119  $914  $—  $2,045  
Ending balance: collectively evaluated for impairment18,821  2,254  4,066  18,304  4,163  47,608  
Loans:
Ending balance1,180,320  389,387  1,565,349  2,138,376  597,638  5,871,070  
Ending balance: individually evaluated for impairment5,627  —  3,938  11,111  —  20,676  
Ending balance: collectively evaluated for impairment1,174,693  389,387  1,561,411  2,127,265  597,638  5,850,394