Loans (Tables)

3 Months Ended

Mar. 31, 2012

Loans [Abstract]

Composition Of Loan Portfolio By Class Of Loan

	March 31, 2012			December 31, 2011
	Loan balance	Accrued interest receivable	Recorded investment	Loan balance	Accrued interest receivable	Recorded investment
(In thousands)
Commercial, financial and agricultural *	$752,392	$3,439	$755,831	$743,797	$3,121	$746,918
Commercial real estate *	1,088,348	3,795	1,092,143	1,108,574	4,235	1,112,809
Construction real estate:
Vision/SE LLC commercial land and development *	26,081	39	26,120	31,603	31	31,634
Remaining commercial	148,922	425	149,347	156,053	394	156,447
Mortgage	19,628	65	19,693	20,039	64	20,103
Installment	9,184	44	9,228	9,851	61	9,912
Residential real estate
Commercial	392,552	1,120	393,672	395,824	1,105	396,929
Mortgage	1,004,957	1,540	1,006,497	953,758	1,522	955,280
HELOC	221,780	884	222,664	227,682	942	228,624
Installment	48,410	217	48,627	51,354	236	51,590
Consumer	610,180	2,580	612,760	616,505	2,930	619,435
Leases	1,949	52	2,001	2,059	43	2,102
Total loans	$4,324,383	$14,200	$4,338,583	$4,317,099	$14,684	$4,331,783

* Included within commercial, financial and agricultural loans, commercial real estate loans, and Vision/SE LLC commercial land and development loans is 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

	March 31, 2012
(In thousands)	Nonaccrual loans	Accruing restructured loans	Loans past due 90 days or more and accruing	Total nonperforming loans
Commercial, financial and agricultural	$36,164	$4,100	$12	$40,276
Commercial real estate	36,754	6,551	-	43,305
Construction real estate:
SE LLC commercial land and development	20,518	-	-	20,518
Remaining commercial	14,724	17,949	-	32,673
Mortgage	66	-	-	66
Installment	182	-	16	198
Residential real estate:
Commercial	43,211	541	-	43,752
Mortgage	26,374	5,421	1,523	33,318
HELOC	2,043	-	-	2,043
Installment	1,147	22	221	1,390
Consumer	2,044	-	567	2,611
Leases	-	-	-	-
Total loans	$183,227	$34,584	$2,339	$220,150

	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

Loans Individually And Collectively Evaluated For Impairment

	March 31, 2012			December 31, 2011
(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	$40,264	$40,241	$23	$40,645	$40,621	$24
Commercial real estate	43,305	43,305	-	51,978	51,978	-
Construction real estate:
Vision/SE LLC commercial land and development	20,518	19,433	1,085	25,761	24,328	1,433
Remaining commercial	32,673	32,673	-	25,912	25,912	-
Mortgage	66	-	66	66	-	66
Installment	182	-	182	30	-	30
Residential real estate:
Commercial	43,752	43,752	-	44,276	44,276	-
Mortgage	31,795	-	31,795	29,958	-	29,958
HELOC	2,043	-	2,043	1,412	-	1,412
Installment	1,169	-	1,169	1,875	-	1,875
Consumer	2,044	20	2,024	1,876	20	1,856
Leases	-	-	-	-	-	-
Total loans	$217,811	$179,424	$38,387	$223,789	$187,135	$36,654

Loans Individually Evaluated For Impairment By Class Of Loans

	March 31, 2012			December 31, 2011
	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	$33,769	$26,956	$-	$23,164	$18,098	$-
Commercial real estate	55,974	35,236	-	58,242	41,506	-
Construction real estate:
Vision /SE LLC commercial land and development	68,297	19,433	-	54,032	17,786	-
Remaining commercial	28,851	24,604	-	33,319	18,372	-
Residential real estate:
Commercial	52,550	39,483	-	49,341	38,686	-
Consumer	20	20	-	20	20	-
With an allowance recorded
Commercial, financial and agricultural	14,597	13,285	4,704	23,719	22,523	5,819
Commercial real estate	9,831	8,069	1,506	12,183	10,472	4,431
Construction real estate:
Vision/SE LLC commercial land and development	-	-	-	20,775	6,542	1,540
Remaining commercial	20,927	8,069	2,096	9,711	7,540	1,874
Residential real estate:
Commercial	5,642	4,269	1,199	6,402	5,590	2,271
Consumer	-	-	-	-	-	-
Total	$290,458	$179,424	$9,505	$290,908	$187,135	$15,935

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

	Three months ended March 31, 2012			Three months ended March 31, 2011
(in thousands)	Recorded investment as of March 31, 2012	Average recorded investment	Interest income recognized		Recorded investment as of March 31, 2011	Average recorded investment		Interest income recognized
Commercial, financial and agricultural	$40,241	$40,135	$105		$19,391	$19,515	$65
Commercial real estate	43,305	48,214	207		53,259	55,076	70
Construction real estate:
Vision/SE LLC commercial land and development	19,433	21,974	-		82,060	84,272	-
Remaining commercial	32,673	27,314	251		26,126	26,789	78
Residential real estate:
Commercial	43,752	43,276	40		58,123	59,465	139
Consumer	20	20	-		-	22	-
Total	$179,424	$180,933	$603		$238,959	$245,139	$352

Aging Of Recorded Investment In Past Due Loans

	March 31, 2012
(in thousands)	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
Commercial, financial and agricultural	$3,935	$28,225		$32,160		$723,671		$755,831
Commercial real estate	1,062	23,067		24,129		1,068,014		1,092,143
Construction real estate:
SE LLC commercial land and development	337	16,587		16,924		9,196		26,120
Remaining commercial	-	7,702		7,702		141,645		149,347
Mortgage	173	-		173		19,520		19,693
Installment	61	75		136		9,092		9,228
Residential real estate:
Commercial	502	13,261		13,763		379,909		393,672
Mortgage	13,174	18,840		32,014		974,483		1,006,497
HELOC	331	297		628		222,036		222,664
Installment	611	510		1,121		47,506		48,627
Consumer	7,302	1,807		9,109		603,651		612,760
Leases	-	-	-		2,001		2,001
Total loans	$27,488	$110,371	$137,859		$4,200,724		$4,338,583

* Includes $2.4 million of loans past due 90 days or more and accruing.

	December 31, 2011
(in thousands)	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
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

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

Recorded Investment By Loan Grade

	March 31, 2012
(in thousands)	5 Rated	6 Rated	Impaired	Pass Rated	Recorded Investment
Commercial, financial and agricultural	$10,458	$5,217	$40,264	$699,892	$755,831
Commercial real estate	30,257	10,798	43,305	1,007,783	1,092,143
Construction real estate:
SE LLC commercial land and development	2,801	-	20,518	2,801	26,120
Remaining commercial	6,748	232	32,673	109,694	149,347
Residential real estate:
Commercial	16,793	1,469	43,752	331,658	393,672
Leases	-	-	-	2,001	2,001
Total Commercial Loans	$67,057	$17,716	$180,512	$2,153,829	$2,419,114

	December 31, 2011
(in thousands)	5 Rated	6 Rated	Impaired	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

TDR Number Of Contracts Modified And Recorded Investment

	Three months ended March 31, 2012
	Number of Contracts	Accruing	Nonaccrual				Total Recorded Investment
(In thousands)
Commercial, financial and agricultural	5	$1,289		$750		$2,039
Commercial real estate	16	2,212		2,967		5,179
Construction real estate:
SE LLC commercial land and development	4	-		894		894
Remaining commercial	9	8,641		1,565		10,206
Mortgage	-	-		-		-
Installment	-	-		-		-
Residential real estate:
Commercial	3	-		318		318
Mortgage	9	111		1,170		1,281
HELOC	-	-		-		-
Installment	-	-		-		-
Consumer	1	-		91		91
Leases	-	-			-
Total loans	47	$12,253	$7,755			$		$20,008

Recorded Investment In Financing Receivable Modified As TDR Within 12 Months

	Three months ended March 31, 2012
	Number of Contracts	Recorded Investment
(In thousands)
Commercial, financial and agricultural	15	$8,469
Commercial real estate	8	3,201
Construction real estate:
SE LLC commercial land and development	3	659
Remaining commercial	8	4,155
Mortgage	-	-
Installment	-	-
Residential real estate:
Commercial	6	3,948
Mortgage	5	684
HELOC	1	48
Installment	-	-
Consumer	-	-
Leases	-	-
Total loans	46	$21,164