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Allowance For Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2018
Allowance for Loan and Lease Losses Write-offs, Net [Abstract]  
Activity In The Allowance For Loan Losses
The activity in the allowance for loan losses for the three-month and six-month periods ended June 30, 2018 and June 30, 2017 is summarized in the following tables.
 
 
Three Months Ended
June 30, 2018
(In thousands)
Commercial,
financial and
agricultural
 
Commercial
real estate
 
Construction
real estate
 
Residential
real estate
 
Consumer
 
Leases
 
Total
Allowance for loan losses:
 

 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
$
14,077

 
$
9,488

 
$
4,463

 
$
9,415

 
$
11,526

 
$
—

 
$
48,969

Charge-offs
287

 
182

 
31

 
102

 
2,114

 
—

 
2,716

Recoveries
206

 
89

 
220

 
244

 
1,054

 
—

 
1,813

Net charge-offs/(recoveries)
81

 
93

 
(189
)
 
(142
)
 
1,060

 
—

 
903

Provision/(recovery)
482

 
11

 
—

 
(312
)
 
1,205

 
—

 
1,386

Ending balance
$
14,478

 
$
9,406

 
$
4,652

 
$
9,245

 
$
11,671

 
$
—

 
$
49,452

 
 
Three Months Ended
June 30, 2017
(In thousands)
Commercial,
financial and
agricultural
 
Commercial
real estate
 
Construction
real estate
 
Residential
real estate
 
Consumer
 
Leases
 
Total
Allowance for loan losses:
 

 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
$
13,437

 
$
10,281

 
$
4,368

 
$
10,745

 
$
11,091

 
$
—

 
$
49,922

Charge-offs
318

 
310

 
—

 
290

 
2,128

 
—

 
3,046

Recoveries
163

 
241

 
325

 
336

 
1,300

 
—

 
2,365

Net charge-offs/(recoveries)
155

 
69

 
(325
)
 
(46
)
 
828

 
—

 
681

Provision/(recovery)
3,464

 
239

 
(16
)
 
(472
)
 
1,366

 
—

 
4,581

Ending balance
$
16,746

 
$
10,451

 
$
4,677

 
$
10,319

 
$
11,629

 
$
—

 
$
53,822


 
Six Months Ended
June 30, 2018
(In thousands)
Commercial,
financial and
agricultural
 
Commercial
real estate
 
Construction
real estate
 
Residential
real estate
 
Consumer
 
Leases
 
Total
Allowance for loan losses:
 

 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
$
15,022

 
$
9,601

 
$
4,430

 
$
9,321

 
$
11,614

 
$
—

 
$
49,988

Charge-offs
936

 
229

 
31

 
218

 
4,752

 
—

 
6,166

Recoveries
858

 
176

 
279

 
604

 
2,067

 
—

 
3,984

Net charge-offs/(recoveries)
78

 
53

 
(248
)
 
(386
)
 
2,685

 
—

 
2,182

(Recovery)/provision
(466
)
 
(142
)
 
(26
)
 
(462
)
 
2,742

 
—

 
1,646

Ending balance
$
14,478

 
$
9,406

 
$
4,652

 
$
9,245

 
$
11,671

 
$
—

 
$
49,452

 
 
Six Months Ended
June 30, 2017
(In thousands)
Commercial,
financial and
agricultural
 
Commercial
real estate
 
Construction
real estate
 
Residential
real estate
 
Consumer
 
Leases
 
Total
Allowance for loan losses:
 

 
 

 
 

 
 

 
 

 
 

 
 

Beginning balance
$
13,434

 
$
10,432

 
$
5,247

 
$
10,958

 
$
10,553

 
$
—

 
$
50,624

Charge-offs
657

 
422

 
27

 
770

 
4,878

 
—

 
6,754

Recoveries
532

 
355

 
383

 
627

 
2,598

 
—

 
4,495

Net charge-offs/(recoveries)
125

 
67

 
(356
)
 
143

 
2,280

 
—

 
2,259

Provision/(recovery)
3,437

 
86

 
(926
)
 
(496
)
 
3,356

 
—

 
5,457

Ending balance
$
16,746

 
$
10,451

 
$
4,677

 
$
10,319

 
$
11,629

 
$
—

 
$
53,822
Composition Of The Allowance For Loan Losses
The composition of the allowance for loan losses at June 30, 2018 and December 31, 2017 was as follows:
 
 
June 30, 2018
(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
$
1,366

 
$
27

 
$
—

 
$
3

 
$
—

 
$
—

 
$
1,396

Collectively evaluated for impairment
13,112

 
9,379

 
4,652

 
9,242

 
11,671

 
—

 
48,056

Total ending allowance balance
$
14,478

 
$
9,406

 
$
4,652

 
$
9,245

 
$
11,671

 
$
—

 
$
49,452

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loan balance:
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually evaluated for impairment
$
29,942

 
$
26,485

 
$
2,529

 
$
2,749

 
$
—

 
$
—

 
$
61,705

Loans collectively evaluated for impairment
984,681

 
1,124,360

 
189,389

 
1,687,823

 
1,274,349

 
2,667

 
5,263,269

Total ending loan balance
$
1,014,623

 
$
1,150,845

 
$
191,918

 
$
1,690,572

 
$
1,274,349

 
$
2,667

 
$
5,324,974

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses as a percentage of loan balance:
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually evaluated for impairment
4.56
%
 
0.10
%
 
—
%
 
0.11
%
 
—
%
 
—
%
 
2.26
%
Loans collectively evaluated for impairment
1.34
%
 
0.83
%
 
2.45
%
 
0.55
%
 
0.91
%
 
—
%
 
0.91
%
Total
1.43
%
 
0.82
%
 
2.42
%
 
0.55
%
 
0.92
%
 
—
%
 
0.93
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Recorded investment:
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually evaluated for impairment
$
29,943

 
$
26,528

 
$
2,529

 
$
2,750

 
$
—

 
$
—

 
$
61,750

Loans collectively evaluated for impairment
989,446

 
1,128,558

 
189,948

 
1,691,217

 
1,277,946

 
2,690

 
5,279,805

Total ending recorded investment
$
1,019,389

 
$
1,155,086

 
$
192,477

 
$
1,693,967

 
$
1,277,946

 
$
2,690

 
$
5,341,555

 
 
 
December 31, 2017
(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
 
$
681

 
$
2

 
$
—

 
$
1

 
$
—

 
$
—

 
$
684

Collectively evaluated for impairment
 
14,341

 
9,599

 
4,430

 
9,320

 
11,614

 
—

 
49,304

Total ending allowance balance
 
$
15,022

 
$
9,601

 
$
4,430

 
$
9,321

 
$
11,614

 
$
—

 
$
49,988

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Loan balance:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually evaluated for impairment
 
$
18,034

 
$
18,131

 
$
1,322

 
$
19,058

 
$
—

 
$
—

 
$
56,545

Loans collectively evaluated for impairment
 
1,035,419

 
1,149,476

 
180,148

 
1,706,166

 
1,241,736

 
2,993

 
5,315,938

Total ending loan balance
 
$
1,053,453

 
$
1,167,607

 
$
181,470

 
$
1,725,224

 
$
1,241,736

 
$
2,993

 
$
5,372,483

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses as a percentage of loan balance:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually evaluated for impairment
 
3.78
%
 
0.01
%
 
—
%
 
0.01
%
 
—
%
 
—
%
 
1.21
%
Loans collectively evaluated for impairment
 
1.39
%
 
0.84
%
 
2.46
%
 
0.55
%
 
0.94
%
 
—
%
 
0.93
%
Total
 
1.43
%
 
0.82
%
 
2.44
%
 
0.54
%
 
0.94
%
 
—
%
 
0.93
%
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Recorded investment:
 
 

 
 

 
 

 
 

 
 

 
 

 
 

Loans individually evaluated for impairment
 
$
18,039

 
$
18,142

 
$
1,324

 
$
19,059

 
$
—

 
$
—

 
$
56,564

Loans collectively evaluated for impairment
 
1,039,827

 
1,153,748

 
180,693

 
1,709,737

 
1,245,544

 
3,029

 
5,332,578

Total ending recorded investment
 
$
1,057,866

 
$
1,171,890

 
$
182,017

 
$
1,728,796

 
$
1,245,544

 
$
3,029

 
$
5,389,142