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Loans and Allowance for Credit Losses (Tables)
 3 Months Ended 6 Months Ended
Jun. 30, 2019
Jun. 30, 2020
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, 2020December 31, 2019
OriginatedAcquiredTotalOriginatedAcquiredTotal
 (dollars in thousands)
Commercial, financial, agricultural and other$1,746,495  $26,604  $1,773,099  $1,212,026  $29,827  $1,241,853  
Real estate construction413,405  2,924  416,329  442,777  6,262  449,039  
Residential real estate1,494,925  228,363  1,723,288  1,415,808  265,554  1,681,362  
Commercial real estate2,089,658  135,052  2,224,710  1,958,346  159,173  2,117,519  
Loans to individuals773,467  11,182  784,649  685,416  13,959  699,375  
Total loans$6,517,950  $404,125  $6,922,075  $5,714,373  $474,775  $6,189,148  
Credit Risk Profile by Creditworthiness  
The following tables represent our credit risk profile by creditworthiness:
 June 30, 2020
 Commercial, financial, agricultural and otherReal estate constructionResidential real estateCommercial real estateLoans to individualsTotal
 (dollars in thousands)
Originated loans
Pass$1,686,601  $413,382  $1,487,535  $2,043,050  $773,234  $6,403,802  
Non-Pass
OAEM30,959  23  459  14,406  —  45,847  
Substandard28,935  —  6,931  32,202  233  68,301  
Doubtful—  —  —  —  —  —  
Total Non-Pass59,894  23  7,390  46,608  233  114,148  
Total$1,746,495  $413,405  $1,494,925  $2,089,658  $773,467  $6,517,950  
Acquired loans
Pass$24,743  $2,092  $226,353  $128,482  $11,171  $392,841  
Non-Pass
OAEM204  524  520  1,420  —  2,668  
Substandard1,657  308  1,490  5,150  11  8,616  
Doubtful—  —  —  —  —  —  
Total Non-Pass1,861  832  2,010  6,570  11  11,284  
Total$26,604  $2,924  $228,363  $135,052  $11,182  $404,125  
 
 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 June 30, 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.
 June 30, 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$155  $48  $15  $8,423  $8,641  $1,737,854  $1,746,495  
Real estate construction—  —  —  —  —  413,405  413,405  
Residential real estate2,028  695  562  6,046  9,331  1,485,594  1,494,925  
Commercial real estate220  69  —  30,097  30,386  2,059,272  2,089,658  
Loans to individuals1,371  492  632  232  2,727  770,740  773,467  
Total$3,774  $1,304  $1,209  $44,798  $51,085  $6,466,865  $6,517,950  
Acquired loans
Commercial, financial, agricultural and other$264  $—  $—  $74  $338  $26,266  $26,604  
Real estate construction—  —  —  308  308  2,616  2,924  
Residential real estate580  76  174  1,313  2,143  226,220  228,363  
Commercial real estate—  —  —  2,064  2,064  132,988  135,052  
Loans to individuals55  24  38  11  128  11,054  11,182  
Total$899  $100  $212  $3,770  $4,981  $399,144  $404,125  
 
 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 June 30, 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.
 June 30, 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$7,620  $10,557  $1,848  $6,997  
Real estate construction—  —  —  —  
Residential real estate9,778  11,770  10,372  12,437  
Commercial real estate14,786  15,053  3,015  3,210  
Loans to individuals475  845  406  640  
Subtotal32,659  38,225  15,641  23,284  
With an allowance recorded:
Commercial, financial, agricultural and other2,019  7,071  $958  8,290  10,032  $1,580  
Real estate construction—  —  —  —  —  —  
Residential real estate254  358  —  474  498  1  
Commercial real estate17,136  17,154  5,590  5,293  5,308  851  
Loans to individuals—  —  —  —  —  —  
Subtotal19,409  24,583  6,548  14,057  15,838  2,432  
Total$52,068  $62,808  $6,548  $29,698  $39,122  $2,432  
 
 June 30, 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 estate1,499  1,875  2,136  2,585  
Commercial real estate245  260  298  320  
Loans to individuals11  14  12  15  
Subtotal1,829  2,223  2,519  2,993  
With an allowance recorded:
Commercial, financial, agricultural and other—  —  $—  —  —  $—  
Real estate construction308  308  171  —  —  —  
Residential real estate—  —  —  —  —  —  
Commercial real estate1,818  1,854  176  —  —  —  
Loans to individuals—  —  —  —  —  —  
Subtotal2,126  2,162  347  —  —  —  
Total$3,955  $4,385  $347  $2,519  $2,993  $—  

 For the Six Months Ended June 30,
 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$6,894  $34  $74  $—  $2,216  $7  $1,035  $—  
Real estate construction—  —  —  —  —  —  —  —  
Residential real estate10,182  159  1,922  17  10,577  186  1,975  5  
Commercial real estate14,367  67  238  —  3,256  101  620  18  
Loans to individuals457  6  11  —  340  7  14  —  
Subtotal31,900  266  2,245  17  16,389  301  3,644  23  
With an allowance recorded:
Commercial, financial, agricultural and other1,881  1  —  —  3,784  30  —  —  
Real estate construction—  —  51  —  —  —  —  —  
Residential real estate290  —  —  —  571  12  —  —  
Commercial real estate11,509  4  1,222  —  5,550  2  162  —  
Loans to individuals—  —  —  —  —  —  —  —  
Subtotal13,680  5  1,273  —  9,905  44  162  —  
Total$45,580  $271  $3,518  $17  $26,294  $345  $3,806  $23  
Troubled Debt Restructured Loans and Commitments
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, 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)
Residential real estate4  $—  $—  $264  $264  $256  $—  
Commercial real estate2  —  —  12  12  9  —  
Loans to individuals10  —  71  124  195  186  —  
Total16  $—  $71  $400  $471  $451  $—  

 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 other1  $—  $—  $61  $61  $62  $—  
Residential real estate11  17  117  788  922  897  37  
Commercial real estate3  —  —  6,119  6,119  5,854  969  
Loans to individuals5  —  —  62  62  56  —  
Total20  $17  $117  $7,030  $7,164  $6,869  $1,006  
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 six months ended June 30, 2020 and 2019, $71 thousand and $117 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 2020 and 2019 the changes in loan balances between the pre-modification balance and the post-modification balance are due to customer payments.

 For the Three Months Ended June 30, 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)
Residential real estate2  $—  $—  $146  $146  $142  $—  
Loans to individuals3  —  53  1  54  55  —  
Total5  $—  $53  $147  $200  $197  $—  
 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)
Residential real estate5  $—  $68  $273  $341  $337  $969  
Commercial real estate2  —  —  5,878  5,878  5,613  —  
Loans to individuals3  —  —  14  14  14  —  
Total10  $—  $68  $6,165  $6,233  $5,964  $969  
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, 2020 and 2019, $53 thousand and $68 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 2020 and 2019 the changes in loan balances between the pre-modification balance and the post-modification balance are due to customer payments.
The following table provides detail as to the total troubled debt restructured loans and total commitments outstanding on troubled debt restructured loans:
June 30, 2020December 31, 2019
 (dollars in thousands)
Troubled debt restructured loans
Accrual status$7,455  $7,542  
Nonaccrual status3,600  6,037  
Total$11,055  $13,579  
Commitments
Letters of credit$60  $60  
Unused lines of credit984  163  
Total$1,044  $223  
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:
 20202019
 Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment
 (dollars in thousands)
Residential real estate1  $50  1  $22  
Loans to individuals—  —  1  10  
Total1  $50  2  $32  
Allowance for Credit Losses   he following tables provide detail related to the allowance for credit losses:
 For the Six Months Ended June 30, 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(1,771) —  (559) (2,415) (3,809) (8,554) 
Recoveries117  26  121  44  476  784  
Provision (credit)6,245  483  5,586  15,770  7,683  35,767  
Ending balance24,812  3,067  9,239  33,130  9,334  79,582  
Acquired loans:
Beginning balance13  —  2  37  —  52  
Charge-offs—  —  (91) (2) (207) (300) 
Recoveries15  —  25  —  8  48  
Provision (credit)304  171  64  1,321  199  2,059  
Ending balance332  171  —  1,356  —  1,859  
Total ending balance$25,144  $3,238  $9,239  $34,486  $9,334  $81,441  
Ending balance: individually evaluated for impairment$958  $171  $—  $5,766  $—  $6,895  
Ending balance: collectively evaluated for impairment24,186  3,067  9,239  28,720  9,334  74,546  
Loans:
Ending balance1,773,099  416,329  1,723,288  2,224,710  784,649  6,922,075  
Ending balance: individually evaluated for impairment3,336  308  1,498  32,537  —  37,679  
Ending balance: collectively evaluated for impairment1,769,763  416,021  1,721,790  2,192,173  784,649  6,884,396  
 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) 
Recoveries139  84  184  79  257  743  
Provision (credit)2,146  405  249  1,125  2,595  6,520  
Ending balance20,678  2,491  4,133  19,287  4,407  50,996  
Acquired loans:
Beginning balance139  —  35  4  —  178  
Charge-offs(552) —  (46) —  (6) (604) 
Recoveries32  —  35  —  14  81  
Provision (credit)396  —  1  21  (8) 410  
Ending balance15  —  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 impairment19,363  2,491  4,071  18,199  4,407  48,531  
Loans:
Ending balance1,236,424  441,854  1,579,441  2,118,582  626,758  6,003,059  
Ending balance: individually evaluated for impairment11,206  —  4,065  10,216  —  25,487  
Ending balance: collectively evaluated for impairment1,225,218  441,854  1,575,376  2,108,366  626,758  5,977,572