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Allowance For Loan Losses (Tables)
 3 Months Ended
Mar. 31, 2016
Allowance for Loan and Lease Losses Write-offs, Net [Abstract]  
Activity In The Allowance For Loan Losses
he activity in the allowance for loan losses for the three months ended March 31, 2016 and March 31, 2015 is summarized below.
 
 
Three Months Ended
March 31, 2016
(In thousands)
Commercial,
financial and
agricultural
 
Commercial
real estate
 
Construction
real estate
 
Residential
real estate
 
Consumer
 
Leases
 
Total
Allowance for loan losses:
 

 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
$
13,694

 
$
9,197

 
$
8,564

 
$
13,514

 
$
11,524

 
$
1

 
$
56,494

Charge-offs
274

 
1

 
—

 
747

 
2,379

 
—

 
3,401

Recoveries
427

 
218

 
939

 
471

 
890

 
—

 
2,945

Net (recoveries)/charge-offs
(153
)
 
(217
)
 
(939
)
 
276

 
1,489

 
—

 
456

Provision/(recovery)
393

 
38

 
(816
)
 
150

 
1,145

 
—

 
910

Ending balance
$
14,240

 
$
9,452

 
$
8,687

 
$
13,388

 
$
11,180

 
$
1

 
$
56,948

 
 
Three Months Ended
March 31, 2015
(In thousands)
Commercial,
financial and
agricultural
 
Commercial
real estate
 
Construction
real estate
 
Residential
real estate
 
Consumer
 
Leases
 
Total
Allowance for loan losses:
 

 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
$
10,719

 
$
8,808

 
$
8,652

 
$
14,772

 
$
11,401

 
$
—

 
$
54,352

Charge-offs
352

 
130

 
—

 
422

 
2,514

 
—

 
3,418

Recoveries
291

 
674

 
285

 
924

 
666

 
2

 
2,842

Net charge-offs/(recoveries)
61

 
(544
)
 
(285
)
 
(502
)
 
1,848

 
(2
)
 
576

Provision/(recovery)
703

 
(56
)
 
(182
)
 
(762
)
 
1,931

 
(2
)
 
1,632

Ending balance
$
11,361

 
$
9,296

 
$
8,755

 
$
14,512

 
$
11,484

 
$
—

 
$
55,408
Composition Of The Allowance For Loan Losses
The composition of the allowance for loan losses at March 31, 2016 and December 31, 2015 was as follows:
 
 
March 31, 2016
(In thousands)
Commercial,
financial and
agricultural
 
Commercial
real estate
 
Construction
real estate
 
Residential
real estate
 
Consumer
 
Leases
 
Total
Allowance for loan losses:
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending allowance balance attributed to loans:
 

 
 

 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
$
2,471

 
$
593

 
$
1,456

 
$
410

 
$
—

 
$
—

 
$
4,930

Collectively evaluated for impairment
11,769

 
8,859

 
7,231

 
12,978

 
11,180

 
1

 
52,018

Total ending allowance balance
$
14,240

 
$
9,452

 
$
8,687

 
$
13,388

 
$
11,180

 
$
1

 
$
56,948

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loan balance:
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually evaluated for impairment
$
28,551

 
$
18,062

 
$
6,886

 
$
24,618

 
$
—

 
$
—

 
$
78,117

Loans collectively evaluated for impairment
912,930

 
1,096,564

 
167,560

 
1,825,086

 
979,111

 
2,817

 
4,984,068

Total ending loan balance
$
941,481

 
$
1,114,626

 
$
174,446

 
$
1,849,704

 
$
979,111

 
$
2,817

 
$
5,062,185

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses as a percentage of loan balance:
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually evaluated for impairment
8.65
%
 
3.28
%
 
21.14
%
 
1.67
%
 
—
%
 
—
%
 
6.31
%
Loans collectively evaluated for impairment
1.29
%
 
0.81
%
 
4.32
%
 
0.71
%
 
1.14
%
 
0.04
%
 
1.04
%
Total
1.51
%
 
0.85
%
 
4.98
%
 
0.72
%
 
1.14
%
 
0.04
%
 
1.12
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Recorded investment:
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually evaluated for impairment
$
28,596

 
$
18,068

 
$
6,888

 
$
24,619

 
$
—

 
$
—

 
$
78,171

Loans collectively evaluated for impairment
916,477

 
1,100,210

 
167,973

 
1,828,691

 
982,007

 
2,856

 
4,998,214

Total ending recorded investment
$
945,073

 
$
1,118,278

 
$
174,861

 
$
1,853,310

 
$
982,007

 
$
2,856

 
$
5,076,385

 
 
 
December 31, 2015
(In thousands)
 
Commercial,
financial and
agricultural
 
Commercial
real estate
 
Construction
real estate
 
Residential
real estate
 
Consumer
 
Leases
 
Total
Allowance for loan losses:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Ending allowance balance attributed to loans:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Individually evaluated for impairment
 
$
1,904

 
$
381

 
$
1,356

 
$
550

 
$
—

 
$
—

 
$
4,191

Collectively evaluated for impairment
 
11,790

 
8,816

 
7,208

 
12,964

 
11,524

 
1

 
52,303

Total ending allowance balance
 
$
13,694

 
$
9,197

 
$
8,564

 
$
13,514

 
$
11,524

 
$
1

 
$
56,494

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loan balance:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually evaluated for impairment
 
$
30,545

 
$
18,015

 
$
6,716

 
$
25,323

 
$
—

 
$
—

 
$
80,599

Loans collectively evaluated for impairment
 
925,182

 
1,095,588

 
166,629

 
1,830,120

 
967,111

 
2,856

 
4,987,486

Total ending loan balance
 
$
955,727

 
$
1,113,603

 
$
173,345

 
$
1,855,443

 
$
967,111

 
$
2,856

 
$
5,068,085

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses as a percentage of loan balance:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually evaluated for impairment
 
6.23
%
 
2.11
%
 
20.19
%
 
2.17
%
 
—
%
 
—
%
 
5.20
%
Loans collectively evaluated for impairment
 
1.27
%
 
0.80
%
 
4.33
%
 
0.71
%
 
1.19
%
 
0.04
%
 
1.05
%
Total
 
1.43
%
 
0.83
%
 
4.94
%
 
0.73
%
 
1.19
%
 
0.04
%
 
1.11
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Recorded investment:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually evaluated for impairment
 
$
30,595

 
$
18,025

 
$
6,720

 
$
25,324

 
$
—

 
$
—

 
$
80,664

Loans collectively evaluated for impairment
 
928,569

 
1,099,587

 
167,042

 
1,833,449

 
970,143

 
2,870

 
5,001,660

Total ending recorded investment
 
$
959,164

 
$
1,117,612

 
$
173,762

 
$
1,858,773

 
$
970,143

 
$
2,870

 
$
5,082,324