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Loans and Allowance for Credit Losses (Tables)
 3 Months Ended 9 Months Ended
Sep. 30, 2020
Sep. 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:
 
September 30, 2020December 31, 2019
OriginatedAcquiredTotalOriginatedAcquiredTotal
 (dollars in thousands)
Commercial, financial, agricultural and other$1,711,614 $25,122 $1,736,736 $1,212,026 $29,827 $1,241,853 
Real estate construction450,589 2,400 452,989 442,777 6,262 449,039 
Residential real estate1,534,949 209,071 1,744,020 1,415,808 265,554 1,681,362 
Commercial real estate2,088,217 127,094 2,215,311 1,958,346 159,173 2,117,519 
Loans to individuals790,471 10,189 800,660 685,416 13,959 699,375 
Total loans$6,575,840 $373,876 $6,949,716 $5,714,373 $474,775 $6,189,148 
Credit Risk Profile by Creditworthiness  
The following tables represent our credit risk profile by creditworthiness:
 September 30, 2020
 Commercial, financial, agricultural and otherReal estate constructionResidential real estateCommercial real estateLoans to individualsTotal
 (dollars in thousands)
Originated loans
Pass$1,649,458 $450,513 $1,527,225 $1,977,234 $790,222 $6,394,652 
Non-Pass
OAEM37,033 22 915 69,450 — 107,420 
Substandard25,123 54 6,809 41,533 249 73,768 
Doubtful— — — — — — 
Total Non-Pass62,156 76 7,724 110,983 249 181,188 
Total$1,711,614 $450,589 $1,534,949 $2,088,217 $790,471 $6,575,840 
Acquired loans
Pass$23,405 $1,588 $207,233 $123,703 $10,178 $366,107 
Non-Pass
OAEM196 504 511 136 — 1,347 
Substandard1,521 308 1,327 3,255 11 6,422 
Doubtful— — — — — — 
Total Non-Pass1,717 812 1,838 3,391 11 7,769 
Total$25,122 $2,400 $209,071 $127,094 $10,189 $373,876 
 
 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 September 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.
 September 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$1,978 $67 $17 $4,389 $6,451 $1,705,163 $1,711,614 
Real estate construction— — — 54 54 450,535 450,589 
Residential real estate2,022 1,554 458 5,960 9,994 1,524,955 1,534,949 
Commercial real estate517 122 — 30,112 30,751 2,057,466 2,088,217 
Loans to individuals1,986 902 725 247 3,860 786,611 790,471 
Total$6,503 $2,645 $1,200 $40,762 $51,110 $6,524,730 $6,575,840 
Acquired loans
Commercial, financial, agricultural and other$38 $— $— $74 $112 $25,010 $25,122 
Real estate construction— — — 308 308 2,092 2,400 
Residential real estate397 459 — 1,262 2,118 206,953 209,071 
Commercial real estate— 136 — 233 369 126,725 127,094 
Loans to individuals34 47 49 11 141 10,048 10,189 
Total$469 $642 $49 $1,888 $3,048 $370,828 $373,876 
 
 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 September 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.
 September 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$795 $987 $1,848 $6,997 
Real estate construction54 53 — — 
Residential real estate9,962 11,965 10,372 12,437 
Commercial real estate14,228 14,523 3,015 3,210 
Loans to individuals495 808 406 640 
Subtotal25,534 28,336 15,641 23,284 
With an allowance recorded:
Commercial, financial, agricultural and other4,750 12,778 $1,497 8,290 10,032 $1,580 
Real estate construction— — — — — — 
Residential real estate— — — 474 498 1 
Commercial real estate17,389 17,442 5,921 5,293 5,308 851 
Loans to individuals— — — — — — 
Subtotal22,139 30,220 7,418 14,057 15,838 2,432 
Total$47,673 $58,556 $7,418 $29,698 $39,122 $2,432 
 
 September 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 construction308 308 — — 
Residential real estate1,429 1,794 2,136 2,585 
Commercial real estate233 257 298 320 
Loans to individuals11 14 12 15 
Subtotal2,055 2,447 2,519 2,993 
With an allowance recorded:
Commercial, financial, agricultural and other— — $— — — $— 
Real estate construction— — — — — — 
Residential real estate— — — — — — 
Commercial real estate— — — — — — 
Loans to individuals— — — — — — 
Subtotal— — — — — — 
Total$2,055 $2,447 $— $2,519 $2,993 $— 

 For the Nine Months Ended September 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$4,062 $15 $74 $— $2,129 $10 $2,255 $— 
Real estate construction6 — 137 — — — — — 
Residential real estate10,380 235 1,772 18 10,751 280 1,966 6 
Commercial real estate13,994 90 1,453 76 3,854 129 636 18 
Loans to individuals469 9 11 — 356 11 14 — 
Subtotal28,911 349 3,447 94 17,090 430 4,871 24 
With an allowance recorded:
Commercial, financial, agricultural and other4,569 45 — — 4,064 36 — — 
Real estate construction— — — — — — — — 
Residential real estate— — — — 347 6 — — 
Commercial real estate13,830 9 — — 5,357 2 160 — 
Loans to individuals— — — — — — — — 
Subtotal18,399 54 — — 9,768 44 160 — 
Total$47,310 $403 $3,447 $94 $26,858 $474 $5,031 $24 
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 Nine Months Ended September 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)
Commercial, financial, agricultural and other1 $— $629 $— $629 $625 $489 
Residential real estate16 $— $33 $844 $877 $729 $— 
Commercial real estate2 — — 12 12 8 — 
Loans to individuals14 — 114 149 263 245 — 
Total33 $— $776 $1,005 $1,781 $1,607 $489 

 For the Nine Months Ended September 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 other2 $— $— $156 $156 $157 $— 
Residential real estate14 17 149 842 1,008 933 1 
Commercial real estate3 — — 6,119 6,119 5,740 397 
Loans to individuals7 — — 98 98 87 — 
Total26 $17 $149 $7,215 $7,381 $6,917 $398 
The following table provides detail as to the total troubled debt restructured loans and total commitments outstanding on troubled debt restructured loans:
September 30, 2020December 31, 2019
 (dollars in thousands)
Troubled debt restructured loans
Accrual status$7,078 $7,542 
Nonaccrual status4,511 6,037 
Total$11,589 $13,579 
Commitments
Letters of credit$60 $60 
Unused lines of credit21 163 
Total$81 $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 nine months ended September 30:
 20202019
 Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment
 (dollars in thousands)
Residential real estate1 $50 3 $70 
Commercial real estate1 112 — — 
Loans to individuals2 78 — — 
Total4 $240 3 $70 
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 September 30:
 20202019
 Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment
 (dollars in thousands)
Residential real estate— $— 2 $49 
Commercial real estate1 112 — — 
Loans to individuals2 78 — — 
Total3 $190 2 $49 
Allowance for Credit Losses  
The following tables provide detail related to the allowance for credit losses:
 For the Nine Months Ended September 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(5,166)— (720)(2,415)(4,958)(13,259)
Recoveries161 26 274 154 702 1,317 
Provision (credit)9,936 924 4,607 23,132 8,087 46,686 
Ending balance25,152 3,508 8,252 40,602 8,815 86,329 
Acquired loans:
Beginning balance13 — 2 37 — 52 
Charge-offs— — (213)(2)(287)(502)
Recoveries28 — 38 — 10 76 
Provision (credit)295 — 173 1,607 277 2,352 
Ending balance336 — — 1,642 — 1,978 
Total ending balance$25,488 $3,508 $8,252 $42,244 $8,815 $88,307 
Ending balance: individually evaluated for impairment$1,497 $— $— $5,921 $— $7,418 
Ending balance: collectively evaluated for impairment23,991 3,508 8,252 36,323 8,815 80,889 
Loans:
Ending balance1,736,736 452,989 1,744,020 2,215,311 800,660 6,949,716 
Ending balance: individually evaluated for impairment5,048 308 1,226 30,387 — 36,969 
Ending balance: collectively evaluated for impairment1,731,688 452,681 1,742,794 2,184,924 800,660 6,912,747 
 For the Nine Months Ended September 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(1,584)— (617)(305)(4,049)(6,555)
Recoveries180 158 190 160 419 1,107 
Provision (credit)2,109 250 409 790 4,310 7,868 
Ending balance19,940 2,410 3,916 19,027 4,713 50,006 
Acquired loans:
Beginning balance139 — 35 4 — 178 
Charge-offs(601)— (46)(1,376)(9)(2,032)
Recoveries53 — 46 — 14 113 
Provision (credit)416 — (34)1,393 (5)1,770 
Ending balance7 — 1 21 — 29 
Total ending balance$19,947 $2,410 $3,917 $19,048 $4,713 $50,035 
Ending balance: individually evaluated for impairment$1,054 $— $4 $488 $— $1,546 
Ending balance: collectively evaluated for impairment18,893 2,410 3,913 18,560 4,713 48,489 
Loans:
Ending balance1,210,936 420,281 1,666,220 2,124,240 677,884 6,099,561 
Ending balance: individually evaluated for impairment10,417 — 4,102 10,825 — 25,344 
Ending balance: collectively evaluated for impairment1,200,519 420,281 1,662,118 2,113,415 677,884 6,074,217 
 For the Three Months Ended September 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$24,812 $3,067 $9,239 $33,130 $9,334 $79,582 
Charge-offs(3,395)— (161)— (1,149)(4,705)
Recoveries44 — 153 110 226 533 
Provision (credit)3,691 441 (979)7,362 404 10,919 
Ending balance25,152 3,508 8,252 40,602 8,815 86,329 
Acquired loans:
Beginning balance332 171 — 1,356 — 1,859 
Charge-offs— — (122)— (80)(202)
Recoveries13 — 13 — 2 28 
Provision (credit)(9)(171)109 286 78 293 
Ending balance336 — — 1,642 — 1,978 
Total ending balance$25,488 $3,508 $8,252 $42,244 $8,815 $88,307 


 For the Three Months Ended September 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$20,678 $2,491 $4,133 $19,287 $4,407 $50,996 
Charge-offs(742)— (383)(6)(1,571)(2,702)
Recoveries41 74 6 81 162 364 
Provision (credit)(37)(155)160 (335)1,715 1,348 
Ending balance19,940 2,410 3,916 19,027 4,713 50,006 
Acquired loans:
Beginning balance15 — 25 25 — 65 
Charge-offs(49)— — (1,376)(3)(1,428)
Recoveries21 — 11 — — 32 
Provision (credit)20 — (35)1,372 3 1,360 
Ending balance7 — 1 21 — 29 
Total ending balance$19,947 $2,410 $3,917 $19,048 $4,713 $50,035