Loans (Tables)

9 Months Ended

Sep. 30, 2011

Composition Of Loan Portfolio By Class Of Loan


	September 30, 2011						December 31, 2010
	Loan balance		Accrued interest receivable		Recorded investment		Loan balance		Accrued interest receivable		Recorded investment
(In thousands)
Commercial, financial and agricultural *	$	756,888	$	2,992	$	759,880	$	737,902	$	2,886	$	740,788

Commercial real estate *		1,250,936		5,064		1,256,000		1,226,616		4,804		1,231,420
Construction real estate:
Vision commercial land and development *		102,271		232		102,503		171,334		282		171,616
Remaining commercial		163,606		341		163,947		195,693		622		196,315
Mortgage		19,857		62		19,919		26,326		95		26,421
Installment		15,007		65		15,072		13,127		54		13,181
Residential real estate
Commercial		456,670		1,276		457,946		464,903		1,403		466,306
Mortgage		968,330		1,355		969,685		906,648		2,789		909,437
HELOC		253,461		959		254,420		260,463		1,014		261,477
Installment		51,118		204		51,322		60,195		255		60,450
Consumer		640,267		2,679		642,946		666,871		3,245		670,116
Leases		2,164		40		2,204		2,607		56		2,663
Total loans	$	4,680,575	$	15,269	$	4,695,844	$	4,732,685	$	17,505	$	4,750,190

* Included within commercial, financial and agricultural loans, commercial real estate loans, and Vision commercial land and development loans are an immaterial amount of consumer loans that are not broken out by class.

Recorded Investment In Nonaccrual Restructured And Loans Past Due 90 Days Or More And Accruing


	September 30, 2011
(In thousands)	Nonaccrual loans		Accruing restructured loans		Loans past due 90 days or more and accruing		Total nonperforming loans
Commercial, financial and agricultural	$	21,844	$	3,081	$	22	$	24,947
Commercial real estate		41,856		2,243		-		44,099
Construction real estate:
Vision commercial land and development		42,353		1,249		-		43,602
Remaining commercial		29,386		4,575		-		33,961
Mortgage		66		-		-		66
Installment		107		-		-		107
Residential real estate:
Commercial		47,422		-		-		47,422
Mortgage		25,976		4,393		1,237		31,606
HELOC		1,420		-		-		1,420
Installment		1,953		22		112		2,087
Consumer		1,983		-		851		2,834
Leases		-		-		-		-
Total loans	$	214,366	$	15,563	$	2,222	$	232,151


	December 31, 2010
(In thousands)	Nonaccrual loans		Accruing restructured loans		Loans past due 90 days or more and accruing		Total nonperforming loans
Commercial, financial and agricultural	$	19,276	$	-	$	-	$	19,276
Commercial real estate		57,941		-		20		57,961
Construction real estate:
Vision commercial land and development		87,424		-		-		87,424
Remaining commercial		27,080		-		-		27,080
Mortgage		354		-		-		354
Installment		417		-		13		430
Residential real estate:
Commercial		60,227		-		-		60,227
Mortgage		32,479		-		2,175		34,654
HELOC		964		-		149		1,113
Installment		1,195		-		277		1,472
Consumer		1,911		-		1,059		2,970
Leases		-		-		-		-
Total loans	$	289,268	$	-	$	3,693	$	292,961

Loans Individually And Collectively Evaluated For Impairment


	September 30, 2011						December 31, 2010
(In thousands)	Nonaccrual and accruing restructured loans		Loans individually evaluated for impairment		Loans collectively evaluated for impairment		Nonaccrual and accruing restructured loans		Loans individually evaluated for impairment		Loans collectively evaluated for impairment
Commercial, financial and agricultural	$	24,925	$	24,925	$	-	$	19,276	$	19,205	$	71
Commercial real estate		44,099		44,099		-		57,941		57,930		11
Construction real estate:
Vision commercial land and development		43,602		42,036		1,566		87,424		86,491		933
Remaining commercial		33,961		33,961		-		27,080		27,080		-
Mortgage		66		-		66		354		-		354
Installment		107		-		107		417		-		417
Residential real estate:
Commercial		47,422		47,422		-		60,227		60,227		-
Mortgage		30,369		-		30,369		32,479		-		32,479
HELOC		1,420		-		1,420		964		-		964
Installment		1,975		-		1,975		1,195		-		1,195
Consumer		1,983		21		1,962		1,911		-		1,911
Leases		-		-		-		-		-		-
Total loans	$	229,929	$	192,464	$	37,465	$	289,268	$	250,933	$	38,335

Loans Individually Evaluated For Impairment By Class Of Loans


	September 30, 2011						December 31, 2010
	Unpaid principal balance		Recorded investment		Allowance for loan losses allocated		Unpaid principal balance		Recorded investment		Allowance for loan losses allocated
(in thousands)
With no related allowance recorded
Commercial, financial and agricultural	$	23,222	$	15,496	$	-	$	9,347	$	8,891	$	-
Commercial real estate		39,400		31,680		-		24,052		19,697		-
Construction real estate:
Vision commercial land and development		50,070		17,468		-		23,021		20,162		-
Remaining commercial		17,582		16,299		-		15,192		14,630		-
Residential real estate:
Commercial		32,568		29,949		-		51,261		47,009		-
Consumer		-		-		-		-		-		-

With an allowance recorded
Commercial, financial and agricultural		10,626		9,429		2,511		11,801		10,314		3,028
Commercial real estate		18,560		12,419		5,183		42,263		38,233		10,001
Construction real estate:
Vision commercial land and development		43,575		24,568		12,135		92,122		66,329		23,585
Remaining commercial		30,813		17,662		8,765		20,676		12,450		2,802
Residential real estate:
Commercial		21,847		17,473		4,681		14,799		13,218		4,043
Consumer		21		21		-		-		-		-

Total	$	288,284	$	192,464	$	33,275	$	304,534	$	250,933	$	43,459

Average Recorded Investment And Interest Income Recognized On Loans Individually Evaluated For Impairment


			Three months ended September 30, 2011				Nine months ended September 30, 2011
	Recorded investment as of September 30, 2011		Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
(in thousands)
Commercial, financial and agricultural	$	24,925	$	24,049	$	49	$	21,361	$	155
Commercial real estate		44,099		45,162		26		50,874		150
Construction real estate:
Vision commercial land and development		42,036		43,555		-		67,135		-
Remaining commercial		33,961		34,027		116		29,573		330
Residential real estate:
Commercial		47,422		48,064		-		54,454		153
Consumer		21		21		-		15		1

Total	$	192,464	$	194,878	$	191	$	223,412	$	789

Aging Of Recorded Investment In Past Due Loans


	September 30, 2011
	Accruing loans past due 30-89 days		Past due nonaccrual loans and loans past due 90 days or more and accruing*		Total past due		Total current		Total recorded investment
(In thousands)
Commercial, financial and agricultural	$	2,211	$	16,457	$	18,668	$	741,212	$	759,880
Commercial real estate		9,543		23,119		32,662		1,223,338		1,256,000
Construction real estate:
Vision commercial land and development		425		35,654		36,079		66,424		102,503
Remaining commercial		-		17,807		17,807		146,140		163,947
Mortgage		145		66		211		19,708		19,919
Installment		202		69		271		14,801		15,072
Residential real estate:
Commercial		1,264		17,295		18,559		439,387		457,946
Mortgage		14,015		21,618		35,633		934,052		969,685
HELOC		539		673		1,212		253,208		254,420
Installment		1,428		499		1,927		49,395		51,322
Consumer		9,799		2,061		11,860		631,086		642,946
Leases		-		-		-		2,204		2,204
Total loans	$	39,571	$	135,318	$	174,889	$	4,520,955	$	4,695,844

* Includes $2.2 million of loans past due 90 days or more and accruing.


	December 31, 2010
	Accruing loans past due 30-89 days		Past due nonaccrual loans and loans past due 90 days or more and accruing*		Total past due		Total current		Total recorded investment
(In thousands)
Commercial, financial and agricultural	$	2,247	$	15,622	$	17,869	$	722,919	$	740,788
Commercial real estate		9,521		53,269		62,790		1,168,630		1,231,420
Construction real estate:
Vision commercial land and development		2,406		65,130		67,536		104,080		171,616
Remaining commercial		141		19,687		19,828		176,487		196,315
Mortgage		479		148		627		25,794		26,421
Installment		235		399		634		12,547		13,181
Residential real estate:
Commercial		3,281		26,845		30,126		436,180		466,306
Mortgage		17,460		24,422		41,882		867,555		909,437
HELOC		1,396		667		2,063		259,414		261,477
Installment		1,018		892		1,910		58,540		60,450
Consumer		11,204		2,465		13,669		656,447		670,116
Leases		5		-		5		2,658		2,663
Total loans	$	49,393	$	209,546	$	258,939	$	4,491,251	$	4,750,190

* Includes $3.6 million of loans past due 90 days or more and accruing.

Recorded Investment By Loan Grade


	September 30, 2011
(in thousands)	5 Rated		6 Rated		Impaired		Pass Rated		Recorded Investment
Commercial, financial and agricultural	$	36,037	$	7,150	$	24,925	$	691,768	$	759,880

Commercial real estate		51,417		21,222		44,099		1,139,262		1,256,000

Construction real estate:
Vision commercial land and development		10,791		2,040		42,036		47,636		102,503
Remaining commercial		7,954		14,626		33,961		107,406		163,947

Residential real estate:
Commercial		22,825		14,096		47,422		373,603		457,946

Leases		-		-		-		2,204		2,204

Total Commercial Loans	$	129,024	$	59,134	$	192,443	$	2,361,879	$	2,742,480


	December 31, 2010
(in thousands)	5 Rated		6 Rated		Impaired		Pass Rated		Recorded Investment
Commercial, financial and agricultural	$	26,322	$	11,447	$	19,276	$	683,743	$	740,788

Commercial real estate		57,394		26,992		57,941		1,089,093		1,231,420

Construction real estate:
Vision commercial land and development		10,220		7,941		87,424		66,031		171,616
Remaining commercial		14,021		39,062		27,080		116,152		196,315

Residential real estate:
Commercial		29,206		18,117		60,227		358,756		466,306

Leases		-		-		-		2,663		2,663

Total Commercial Loans	$	137,163	$	103,559	$	251,948	$	2,316,438	$	2,809,108

TDR Number Of Contracts Modified And Recorded Investment


	3 months ended September 30, 2011				9 months ended September 30, 2011
	Number of Contracts		Recorded Investment		Number of Contracts		Total recorded investment
(In thousands)
Commercial, financial and agricultural		14	$	1,977		32	$	5,677
Commercial real estate		4		2,763		21		7,633
Construction real estate:
Vision commercial land and development		2		504		8		3,342
Remaining commercial		3		2,192		16		14,795
Mortgage		-		-		1		66
Installment		-		-		-		-
Residential real estate:
Commercial		3		239		10		3,493
Mortgage		7		1,550		27		4,137
HELOC		-		-		1		50
Installment		1		17		2		36
Consumer		-		-		-		-
Leases		-		-		-		-
Total loans		34	$	9,242		118	$	39,229

Recorded Investment In Financing Receivable Modified As TDR Within 12 Months


	3 months ended September 30, 2011				9 months ended September 30, 2011
	Number of Contracts		Recorded Investment		Number of Contracts		Total recorded investment
(In thousands)
Commercial, financial and agricultural		3	$	506		7	$	642
Commercial real estate		5		8,511		7		12,994
Construction real estate:
Vision commercial land and development		2		1,962		3		1,979
Remaining commercial		1		5,000		1		5,000
Mortgage		1		66		1		66
Installment		-		-		-		-
Residential real estate:
Commercial		1		607		5		20,061
Mortgage		4		736		8		1,695
HELOC		1		50		1		50
Installment		-		-		-		-
Total loans		18	$	17,438		33	$	42,487