Loans (Tables)

12 Months Ended

Dec. 31, 2011

Loans [Abstract]

Composition Of The Loan Portfolio By Class Of Loan

	December 31, 2011						December 31, 2010
			Accrued						Accrued
	Loan		interest		Recorded		Loan		interest		Recorded
(In thousands)	balance		receivable		investment		balance		receivable		investment
Commercial, financial and agricultural *	$	743,797	$	3,121	$	746,918	$	737,902	$	2,886	$	740,788
Commercial real estate *		1,108,574		4,235		1,112,809		1,226,616		4,804		1,231,420
Construction real estate:
Vision commercial land and development *		31,603		31		31,634		171,334		282		171,616
Remaining commercial		156,053		394		156,447		195,693		622		196,315
Mortgage		20,039		64		20,103		26,326		95		26,421
Installment		9,851		61		9,912		13,127		54		13,181
Residential real estate
Commercial		395,824		1,105		396,929		464,903		1,403		466,306
Mortgage		953,758		1,522		955,280		906,648		2,789		909,437
HELOC		227,682		942		228,624		260,463		1,014		261,477
Installment		51,354		236		51,590		60,195		255		60,450
Consumer		616,505		2,930		619,435		666,871		3,245		670,116
Leases		2,059		43		2,102		2,607		56		2,663
Total loans	$	4,317,099	$	14,684	$	4,331,783	$	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

	December 31, 2011
(In thousands)	Nonaccrual loans		Accruing restructured loans		Loans past due 90 days or more and accruing		Total nonperforming loans
Commercial, financial and agricultural	$	37,797	$	2,848	$	-	$	40,645
Commercial real estate		43,704		8,274		-		51,978
Construction real estate:
Vision commercial land and development		25,761		-		-		25,761
Remaining commercial		14,021		11,891		-		25,912
Mortgage		66		-		-		66
Installment		30		-		-		30
Residential real estate
Commercial		43,461		815		-		44,276
Mortgage		25,201		4,757		2,610		32,568
HELOC		1,412		-		-		1,412
Installment		1,777		98		58		1,933
Consumer		1,876		-		893		2,769
Leases		-		-		-		-
Total loans	$	195,106	$	28,683	$	3,561	$	227,350

	December 31, 2010
			Accruing		Loans past due 90		Total
			restructured		days or more and		nonperforming
(In thousands)	Nonaccrual loans		loans		accruing		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

	December 31, 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	$	40,645	$	40,621	$	24	$	19,276	$	19,205	$	71
Commercial real estate		51,978		51,978		-		57,941		57,930		11
Construction real estate:
Vision commercial land and development		25,761		24,328		1,433		87,424		86,491		933
Remaining commercial		25,912		25,912		-		27,080		27,080		-
Mortgage		66		-		66		354		-		354
Installment		30		-		30		417		-		417
Residential real estate:
Commercial		44,276		44,276		-		60,227		60,227		-
Mortgage		29,958		-		29,958		32,479		-		32,479
HELOC		1,412		-		1,412		964		-		964
Installment		1,875		-		1,875		1,195		-		1,195
Consumer		1,876		20		1,856		1,911		-		1,911
Leases		-		-		-		-		-		-
Total loans	$	223,789	$	187,135	$	36,654	$	289,268	$	250,933	$	38,335

Loans Individually Evaluated For Impairment By Class Of Loans

	December 31, 2011						December 31, 2010
(In thousands)	Unpaid principal balance		Recorded investment		Allowance for loan losses allocated		Unpaid principal balance		Recorded investment		Allowance for loan losses allocated
With no related allowance recorded
Commercial, financial and agricultural	$	23,164	$	18,098	$	-	$	9,347	$	8,891	$	-
Commercial real estate		58,242		41,506		-		21,526		17,170		-
Construction real estate:
Vision commercial land and development		54,032		17,786		-		11,206		7,847		-
Remaining commercial		33,319		18,372		-		12,305		11,743		-
Residential real estate:
Commercial		49,341		38,686		-		46,344		43,031		-
Consumer		-		-		-		-		-		-
With an allowance recorded
Commercial, financial and agricultural		23,719		22,523		5,819		11,801		10,314		3,028
Commercial real estate		12,183		10,472		4,431		44,789		40,760		12,652
Construction real estate:
Vision commercial land and development		20,775		6,542		1,540		103,937		78,644		39,887
Remaining commercial		9,711		7,540		1,874		23,563		15,337		5,425
Residential real estate:
Commercial		6,402		5,590		2,271		19,716		17,196		5,912
Consumer		20		20		-		-		-		-
Total	$	290,908	$	187,135	$	15,935	$	304,534	$	250,933	$	66,904

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

			Year ended December 31, 2011
(In thousands)	Recorded investment as of December 31, 2011		Average recorded investment		Interest income recognized
Commercial, financial and agricultural	$	40,621	$	23,518	$	209
Commercial real estate		51,978		49,927		829
Construction real estate:
Vision commercial land and development		24,328		58,792		-
Remaining commercial		25,912		29,152		339
Residential real estate:
Commercial		44,276		52,640		214
Consumer		20		16		1
Total	$	187,135	$	214,045	$	1,592

Aging Of Recorded Investment In Past Due Loans

	December 31, 2011
			Past due
			nonaccrual
			loans and loans
	Accruing loans		past due 90						Total
	past due 30-89		days or more						recorded
(In thousands)	days		and accruing		Total past due		Total current		investment
Commercial, financial and agricultural	$	3,106	$	11,308	$	14,414	$	732,504	$	746,918
Commercial real estate		2,632		21,798		24,430		1,088,379		1,112,809
Construction real estate:
Vision commercial land and development		-		19,235		19,235		12,399		31,634
Remaining commercial		99		7,839		7,938		148,509		156,447
Mortgage		76		-		76		20,027		20,103
Installment		421		8		429		9,483		9,912
Residential real estate
Commercial		1,545		10,097		11,642		385,287		396,929
Mortgage		15,879		20,614		36,493		918,787		955,280
HELOC		1,015		436		1,451		227,173		228,624
Installment		1,549		1,136		2,685		48,905		51,590
Consumer		11,195		2,192		13,387		606,048		619,435
Leases		-		-		-		2,102		2,102
Total loans	$	37,517	$	94,663	$	132,180	$	4,199,603	$	4,331,783

	December 31, 2010
			Past due
			nonaccrual
			loans and loans
	Accruing loans		past due 90						Total
	past due 30-89		days or more						recorded
(In thousands)	days		and accruing		Total past due		Total current		investment
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

Recorded Investment By Loan Grade

	December 31, 2011
(In thousands)	5 Rated		6 Rated		Nonaccrual		Pass Rated		Recorded Investment
Commercial , financial and agricultural:	$	11,785	$	7,628	$	40,645	$	686,860	$	746,918
Commercial real estate:		37,445		10,460		51,978		1,012,926		1,112,809
Construction real estate:
Vision commercial land and development		3,102		-		25,761		2,771		31,634
Remaining commercial		6,982		8,311		25,912		115,242		156,447
Residential real estate:
Commercial		17,120		3,785		44,276		331,748		396,929
Leases		-		-		-		2,102		2,102
Total Commercial Loans	$	76,434	$	30,184	$	188,572	$	2,151,649	$	2,446,839

	December 31, 2010
(In thousands)	5 Rated		6 Rated		Nonaccrual		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

	12 months ended December 31, 2011
(In thousands)	Number of Contracts		Recorded Investment
Commercial, financial and agricultural		56	$	24,100
Commercial real estate		23		7,163
Construction real estate:
Vision commercial land and development		12		4,268
Remaining commercial		24		18,602
Mortgage		1		66
Installment		-		-
Residential real estate:
Commercial		30		29,595
Mortgage		37		5,925
HELOC		2		56
Installment		7		221
Consumer		1		18
Leases		-		-
Total loans		193	$	90,014

Recorded Investment In Financing Receivable Modified As TDR Within 12 Months

	12 months ended December 31, 2011
(In thousands)	Number of Contracts		Recorded Investment
Commercial, financial and agricultural		19	$	3,878
Commercial real estate		5		2,353
Construction real estate:
Vision commercial land and development		5		3,406
Remaining commercial		4		1,277
Mortgage		1		66
Installment		----		---
Residential real estate:
Commercial		10		20,195
Mortgage		7		1,193
HELOC		1		50
Installment		2		44
Consumer		----		---
Leases		----		---
Total loans		54	$	32,462