LOANS (Tables)

v2.4.0.8

LOANS (Tables)	12 Months Ended
	Dec. 31, 2013
Receivables [Abstract]
Details Of Loans	The composition of loans at December 31, 2013 and 2012 is summarized as follows:       December 31,       2013   2012       (In Thousands)   Commercial, financial and agricultural   $ 1,278,649   $ 1,030,990   Real estate - construction     151,868     158,361   Real estate - mortgage:               Owner-occupied commercial     710,372     568,041   1-4 family mortgage     278,621     235,909   Other mortgage     391,396     323,599   Total real estate - mortgage     1,380,389     1,127,549   Consumer     47,962     46,282   Total Loans     2,858,868     2,363,182   Less: Allowance for loan losses     (30,663)     (26,258)   Net Loans   $ 2,828,205   $ 2,336,924
Schedule Of Allowance For Loan Losses	Changes in the allowance for loan losses during the years ended December 31, 2013, 2012 and 2011, respectively are as follows:       Years Ended December 31,       2013   2012   2011       (In Thousands)   Balance, beginning of year   $ 26,258   $ 22,030   $ 18,077   Loans charged off     (9,012)     (5,755)     (5,653)   Recoveries     409     883     634   Provision for loan losses     13,008     9,100     8,972   Balance, end of year   $ 30,663   $ 26,258   $ 22,030
Changes In Allowance For Loan Losses Segregated By Loan Type	Changes in the allowance for loan losses, segregated by loan type, during the years ended December 31, 2013 and 2012, respectively, are as follows:       Commercial,                                     financial and   Real estate -   Real estate -         Qualitative             agricultural   construction   mortgage   Consumer   Factors   Total       (In Thousands)       Year Ended December 31, 2013   Allowance for loan losses:                                       Balance at December 31, 2012   $ 8,233   $ 6,511   $ 4,912   $ 199   $ 6,403   $ 26,258   Chargeoffs     (1,932)     (4,829)     (2,041)     (210)     -     (9,012)   Recoveries     66     296     36     11     -     409   Provision     4,803     3,831     4,588     855     (1,069)     13,008   Balance at December 31, 2013   $ 11,170   $ 5,809   $ 7,495   $ 855   $ 5,334   $ 30,663                                               December 31, 2013   Individually Evaluated for Impairment   $ 1,992   $ 1,597   $ 1,982   $ 699   $ -   $ 6,270   Collectively Evaluated for Impairment     9,178     4,212     5,513     156     5,334     24,393                                           Loans:                                       Ending Balance   $ 1,278,649   $ 151,868   $ 1,380,389   $ 47,962   $ -   $ 2,858,868   Individually Evaluated for Impairment     3,827     9,238     18,202     699     -     31,966   Collectively Evaluated for Impairment     1,274,822     142,630     1,362,187     47,263     -     2,826,902                                               Year Ended December 31, 2012   Allowance for loan losses:                                       Balance at December 31, 2011   $ 6,627   $ 6,542   $ 3,295   $ 531   $ 5,035   $ 22,030   Chargeoffs     (1,106)     (3,088)     (660)     (901)     -     (5,755)   Recoveries     125     58     692     8     -     883   Provision     2,587     2,999     1,585     561     1,368     9,100   Balance at December 31, 2012   $ 8,233   $ 6,511   $ 4,912   $ 199   $ 6,403   $ 26,258                                               December 31, 2012   Individually Evaluated for Impairment   $ 577   $ 1,013   $ 1,921   $ -   $ -   $ 3,511   Collectively Evaluated for Impairment     7,656     5,498     2,991     199     6,403     22,747                                           Loans:                                       Ending Balance   $ 1,030,990   $ 158,361   $ 1,127,549   $ 46,282   $ -   $ 2,363,182   Individually Evaluated for Impairment     3,910     14,422     18,927     135     -     37,394   Collectively Evaluated for Impairment     1,027,080     143,939     1,108,622     46,147     -     2,325,788
Loans By Credit Quality Indicator	Loans by credit quality indicator as of December 31, 2013 and 2012 were as follows:             Special                     December 31, 2013   Pass   Mention   Substandard   Doubtful   Total       (In Thousands)   Commercial, financial                                 and agricultural   $ 1,238,109   $ 34,883   $ 5,657   $ -   $ 1,278,649   Real estate - construction     139,239     3,392     9,237     -     151,868   Real estate - mortgage:                                 Owner-occupied                                 commercial     696,687     11,545     2,140     -     710,372   1-4 family mortgage     265,019     1,253     12,349     -     278,621   Other mortgage     379,419     8,179     3,798     -     391,396   Total real estate mortgage     1,341,125     20,977     18,287     -     1,380,389   Consumer     47,243     3     716     -     47,962   Total   $ 2,765,716   $ 59,255   $ 33,897   $ -   $ 2,858,868                                               Special                     December 31, 2012   Pass   Mention   Substandard   Doubtful   Total       (In Thousands)   Commercial, financial                                 and agricultural   $ 1,004,043   $ 19,172   $ 7,775   $ -   $ 1,030,990   Real estate - construction     121,168     22,771     14,422     -     158,361   Real estate - mortgage:                                 Owner-occupied                                 commercial     555,536     4,142     8,363     -     568,041   1-4 family mortgage     223,152     6,379     6,378     -     235,909   Other mortgage     312,473     6,674     4,452     -     323,599   Total real estate mortgage     1,091,161     17,195     19,193     -     1,127,549   Consumer     46,076     71     135     -     46,282   Total   $ 2,262,448   $ 59,209   $ 41,525   $ -   $ 2,363,182
Loans By Performance Status	Loans by performance status as of December 31, 2013 and 2012 are as follows:   December 31, 2013   Performing   Nonperforming   Total       (In Thousands)   Commercial, financial                     and agricultural   $ 1,276,935   $ 1,714   $ 1,278,649   Real estate - construction     148,118     3,750     151,868   Real estate - mortgage:                     Owner-occupied                     commercial     708,937     1,435     710,372   1-4 family mortgage     276,725     1,896     278,621   Other mortgage     391,153     243     391,396   Total real estate mortgage     1,376,815     3,574     1,380,389   Consumer     47,264     698     47,962   Total   $ 2,849,132   $ 9,736   $ 2,858,868                         December 31, 2012   Performing   Nonperforming   Total       (In Thousands)   Commercial, financial                     and agricultural   $ 1,030,714   $ 276   $ 1,030,990   Real estate - construction     151,901     6,460     158,361   Real estate - mortgage:                     Owner-occupied                     commercial     565,255     2,786     568,041   1-4 family mortgage     235,456     453     235,909   Other mortgage     323,359     240     323,599   Total real estate mortgage     1,124,070     3,479     1,127,549   Consumer     46,139     143     46,282   Total   $ 2,352,824   $ 10,358   $ 2,363,182
Loans By Past Due Status	Loans by past due status as of December 31, 2013 and 2012 are as follows:   December 31, 2013   Past Due Status (Accruing Loans)                                           Total Past                         30-59 Days   60-89 Days   90+ Days   Due   Non-Accrual   Current   Total Loans       (In Thousands)   Commercial, financial                                             and agricultural   $ 73   $ -   $ -   $ 73   $ 1,714   $ 1,276,862   $ 1,278,649   Real estate - construction     -     -     -     -     3,750     148,118     151,868   Real estate - mortgage:                                             Owner-occupied                                             commercial     -     -     -     -     1,435     708,937     710,372   1-4 family mortgage     177     -     19     196     1,877     276,548     278,621   Other mortgage     -     -     -     -     243     391,153     391,396   Total real estate -                                             mortgage     177     -     19     196     3,555     1,376,638     1,380,389   Consumer     89     97     96     282     602     47,078     47,962   Total   $ 339   $ 97   $ 115   $ 551   $ 9,621   $ 2,848,696   $ 2,858,868                                                 December 31, 2012   Past Due Status (Accruing Loans)                                           Total Past                         30-59 Days   60-89 Days   90+ Days   Due   Non-Accrual   Current   Total Loans       (In Thousands)   Commercial, financial                                             and agricultural   $ 1,699   $ 385   $ -   $ 2,084   $ 276   $ 1,028,630   $ 1,030,990   Real estate - construction     -     -     -     -     6,460     151,901     158,361   Real estate - mortgage:                                             Owner-occupied                                             commercial     1,480     10     -     1,490     2,786     563,765     568,041   1-4 family mortgage     420     16     -     436     453     235,020     235,909   Other mortgage     516     -     -     516     240     322,843     323,599   Total real estate -                                             mortgage     2,416     26     -     2,442     3,479     1,121,628     1,127,549   Consumer     108     -     8     116     135     46,031     46,282   Total   $ 4,223   $ 411   $ 8   $ 4,642   $ 10,350   $ 2,348,190   $ 2,363,182
Details Of Company's Impaired Loans	The following table presents details of the Company’s impaired loans as of December 31, 2013 and 2012, respectively.  Loans which have been fully charged off do not appear in the tables.       December 31, 2013                                                           Unpaid         Average   Interest Income       Recorded   Principal   Related   Recorded   Recognized       Investment   Balance   Allowance   Investment   in Period       (In Thousands)   With no allowance recorded:                                 Commercial, financial                                 and agricultural   $ 1,210   $ 1,210   $ -   $ 1,196   $ 63   Real estate - construction     1,967     2,405     -     1,363     32   Real estate - mortgage:                                 Owner-occupied commercial     577     577     -     603     32   1-4 family mortgage     1,198     1,198     -     1,200     55   Other mortgage     2,311     2,311     -     1,901     123   Total real estate - mortgage     4,086     4,086     -     3,704     210   Consumer     -     -     -     -     -   Total with no allowance recorded     7,263     7,701     -     6,263     305                                     With an allowance recorded:                                 Commercial, financial                                 and agricultural     2,618     2,958     1,992     2,844     98   Real estate - construction     7,270     7,750     1,597     6,564     200   Real estate - mortgage:                                 Owner-occupied commercial     1,509     1,509     620     1,573     38   1-4 family mortgage     11,120     11,120     1,210     10,743     342   Other mortgage     1,487     1,586     152     1,873     96   Total real estate - mortgage     14,116     14,215     1,982     14,189     476   Consumer     699     699     699     790     28   Total with allowance recorded     24,703     25,622     6,270     24,387     802                                     Total Impaired Loans:                                 Commercial, financial                                 and agricultural     3,828     4,168     1,992     4,040     161   Real estate - construction     9,237     10,155     1,597     7,927     232   Real estate - mortgage:                                 Owner-occupied commercial     2,086     2,086     620     2,176     70   1-4 family mortgage     12,318     12,318     1,210     11,943     397   Other mortgage     3,798     3,897     152     3,774     219   Total real estate - mortgage     18,202     18,301     1,982     17,893     686   Consumer     699     699     699     790     28   Total impaired loans   $ 31,966   $ 33,323   $ 6,270   $ 30,650   $ 1,107           December 31, 2012                                                           Unpaid         Average   Interest Income       Recorded   Principal   Related   Recorded   Recognized in       Investment   Balance   Allowance   Investment   Period       (In Thousands)   With no allowance recorded:                                 Commercial, financial                                 and agricultural   $ 2,602   $ 2,856   $ -   $ 2,313   $ 105   Real estate - construction     6,872     7,894     -     7,631     188   Owner-occupied commercial     5,111     5,361     -     5,411     145   1-4 family mortgage     2,166     2,388     -     2,177     108   Other mortgage     4,151     4,249     -     4,206     275   Total real estate - mortgage     11,428     11,998     -     11,794     528   Consumer     135     344     -     296     6   Total with no allowance recorded     21,037     23,092     -     22,034     827                                     With an allowance recorded:                                 Commercial, financial                                 and agricultural     1,308     1,308     577     1,325     90   Real estate - construction     7,550     8,137     1,013     6,961     154   Real estate - mortgage:                                 Owner-occupied commercial     3,195     3,195     779     3,277     77   1-4 family mortgage     4,002     4,002     1,007     4,001     139   Other mortgage     302     302     135     307     20   Total real estate - mortgage     7,499     7,499     1,921     7,585     236   Total with allowance recorded     16,357     16,944     3,511     15,871     480                                     Total Impaired Loans:                                 Commercial, financial                                 and agricultural     3,910     4,164     577     3,638     195   Real estate - construction     14,422     16,031     1,013     14,592     342   Real estate - mortgage:                                 Owner-occupied commercial     8,306     8,556     779     8,688     222   1-4 family mortgage     6,168     6,390     1,007     6,178     247   Other mortgage     4,453     4,551     135     4,513     295   Total real estate - mortgage     18,927     19,497     1,921     19,379     764   Consumer     135     344     -     296     6   Total impaired loans   $ 37,394   $ 40,036   $ 3,511   $ 37,905   $ 1,307
Analysis Of Troubled Debt Restructuring	The following table presents an analysis of TDRs as of December 31, 2013 and 2012.     December 31, 2013   December 31, 2012           Pre-   Post-         Pre-   Post-           Modification   Modification         Modification   Modification           Outstanding   Outstanding         Outstanding   Outstanding     Number of   Recorded   Recorded   Number of   Recorded   Recorded     Contracts   Investment   Investment   Contracts   Investment   Investment     (In Thousands)   Troubled Debt Restructurings                                     Commercial, financial and                                     agricultural   5   $ 2,029   $ 2,029     2   $ 1,168   $ 1,168   Real estate - construction   7     1,781     1,781     15     3,213     3,213   Real estate - mortgage:                                     Owner-occupied                                     commercial   -     -     -     6     5,907     5,907   1-4 family mortgage   4     10,073     10,073     5     1,709     1,709   Other mortgage   1     285     285     1     302     302   Total real estate mortgage   5     10,358     10,358     12     7,918     7,918   Consumer   -     -     -     -     -     -       17   $ 14,168   $ 14,168     29   $ 12,299   $ 12,299                                           Number of   Recorded         Number of   Recorded           Contracts   Investment         Contracts   Investment                                               Troubled Debt Restructurings                                     That Subsequently Defaulted                                     Commercial, financial and                                     agricultural   3   $ 1,067           -   $ -         Real estate - construction   6     1,564           -     -         Real estate - mortgage:                                     Owner-occupied                                     commercial   -     -           3     2,786         1-4 family mortgage   2     1,848           -     -         Other mortgage   -     -           -     -         Total real estate - mortgage   2     1,848           3     2,786         Consumer   -     -           -     -             11   $ 4,479           3   $ 2,786
Schedule Of Changes In Related Party Loans	Changes in related party loans for the years ended December 31, 2013 and 2012 are as follows:       Years Ended December 31,       2013   2012       (In Thousands)   Balance, beginning of year   $ 12,400   $ 9,047   Advances     4,975     7,630   Repayments     (4,258)     (8,096)   Participations     -     3,819   Balance, end of year   $ 13,117   $ 12,400