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Allowance for Loan Losses
 12 Months Ended
Dec. 31, 2016
Receivables [Abstract]  
Allowance for Loan Losses
Allowance for Loan Losses
(In Thousands, Except Number of Loans)
The following is a summary of non purchased and purchased loans and leases at December 31: 
 
2016
 
2015
Commercial, financial, agricultural
$
717,490

 
$
636,837

Lease financing
49,250

 
35,978

Real estate – construction
552,679

 
357,665

Real estate – 1-4 family mortgage
1,878,177

 
1,735,323

Real estate – commercial mortgage
2,898,895

 
2,533,729

Installment loans to individuals
108,627

 
115,093

Gross loans
6,205,118

 
5,414,625

Unearned income
(2,409
)
 
(1,163
)
Loans, net of unearned income
6,202,709

 
5,413,462

Allowance for loan losses
(42,737
)
 
(42,437
)
Net loans
$
6,159,972

 
$
5,371,025


Allowance for Loan Losses
The following table provides a rollforward of the allowance for loan losses and a breakdown of the ending balance of the allowance based on the Company’s impairment methodology for the periods presented:
 
Commercial
 
Real Estate  -
Construction
 
Real Estate -
1-4 Family
Mortgage
 
Real Estate  -
Commercial
Mortgage
 
Installment
and Other(1)
 
Total
Year Ended December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
$
4,186

 
$
1,852

 
$
13,908

 
$
21,111

 
$
1,380

 
$
42,437

Charge-offs
(2,725
)
 
—

 
(3,906
)
 
(2,123
)
 
(717
)
 
(9,471
)
Recoveries
331

 
47

 
997

 
757

 
109

 
2,241

Net charge-offs
(2,394
)
 
47

 
(2,909
)
 
(1,366
)
 
(608
)
 
(7,230
)
Provision for loan losses
3,716

 
364

 
2,616

 
(879
)
 
787

 
6,604

Benefit attributable to FDIC loss share agreements
(61
)
 
—

 
(115
)
 
(48
)
 
(41
)
 
(265
)
Recoveries payable to FDIC
39

 
117

 
794

 
241

 
—

 
1,191

Provision for loan losses charged to operations
3,694

 
481

 
3,295

 
(686
)
 
746

 
7,530

Ending balance
$
5,486

 
$
2,380

 
$
14,294

 
$
19,059

 
$
1,518

 
$
42,737

Period-End Amount Allocated to:
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
446

 
$
1

 
$
1,134

 
$
2,445

 
$
115

 
$
4,141

Collectively evaluated for impairment
4,668

 
2,379

 
12,319

 
15,008

 
1,402

 
35,776

Acquired with deteriorated credit quality
372

 
—

 
841

 
1,606

 
1

 
2,820

Ending balance
$
5,486

 
$
2,380

 
$
14,294

 
$
19,059

 
$
1,518

 
$
42,737

 
Commercial
 
Real Estate  -
Construction
 
Real Estate -
1-4 Family
Mortgage
 
Real Estate  -
Commercial
Mortgage
 
Installment
and Other(1)
 
Total
Year Ended December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
$
3,305

 
$
1,415

 
$
13,549

 
$
22,759

 
$
1,261

 
$
42,289

Charge-offs
(943
)
 
(26
)
 
(2,173
)
 
(2,613
)
 
(1,021
)
 
(6,776
)
Recoveries
361

 
26

 
1,064

 
614

 
109

 
2,174

Net charge-offs
(582
)
 
—

 
(1,109
)
 
(1,999
)
 
(912
)
 
(4,602
)
Provision for loan losses
1,489

 
435

 
650

 
312

 
1,027

 
3,913

Benefit attributable to FDIC loss share agreements
(64
)
 
—

 
(91
)
 
(717
)
 
—

 
(872
)
Recoveries payable to FDIC
38

 
2

 
909

 
756

 
4

 
1,709

Provision for loan losses charged to operations
1,463

 
437

 
1,468

 
351

 
1,031

 
4,750

Ending balance
$
4,186

 
$
1,852

 
$
13,908

 
$
21,111

 
$
1,380

 
$
42,437

Period-End Amount Allocated to:
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
6

 
$
20

 
$
4,475

 
$
3,099

 
$
—

 
$
7,600

Collectively evaluated for impairment
3,827

 
1,832

 
9,177

 
16,916

 
1,379

 
33,131

Acquired with deteriorated credit quality
353

 
—

 
256

 
1,096

 
1

 
1,706

Ending balance
$
4,186

 
$
1,852

 
$
13,908

 
$
21,111

 
$
1,380

 
$
42,437

Year Ended December 31, 2014
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
$
3,090

 
$
1,091

 
$
18,629

 
$
23,688

 
$
1,167

 
$
47,665

Charge-offs
(1,516
)
 
—

 
(5,662
)
 
(6,186
)
 
(495
)
 
(13,859
)
Recoveries
455

 
33

 
1,325

 
436

 
67

 
2,316

Net charge-offs
(1,061
)
 
33

 
(4,337
)
 
(5,750
)
 
(428
)
 
(11,543
)
Provision for loan losses
1,297

 
290

 
(452
)
 
9,260

 
522

 
10,917

Benefit attributable to FDIC loss share agreements
(204
)
 
—

 
(816
)
 
(5,258
)
 
—

 
(6,278
)
Recoveries payable to FDIC
183

 
1

 
525

 
819

 
—

 
1,528

Provision for loan losses charged to operations
$
1,276

 
$
291

 
$
(743
)
 
$
4,821

 
$
522

 
$
6,167

Ending balance
$
3,305

 
$
1,415

 
$
13,549

 
$
22,759

 
$
1,261

 
$
42,289

Period-End Amount Allocated to:
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
5

 
$
—

 
$
4,786

 
$
5,465

 
$
—

 
$
10,256

Collectively evaluated for impairment
3,020

 
1,415

 
8,483

 
16,130

 
1,260

 
30,308

Acquired with deteriorated credit quality
280

 
—

 
280

 
1,164

 
1

 
1,725

Ending balance
$
3,305

 
$
1,415

 
$
13,549

 
$
22,759

 
$
1,261

 
$
42,289

(1) 
 Includes lease financing receivables.

The following table provides the recorded investment in loans, net of unearned income, based on the Company’s impairment methodology as of the dates presented:
 
Commercial
 
Real Estate  -
Construction
 
Real Estate -
1-4 Family
Mortgage
 
Real Estate  -
Commercial
Mortgage
 
Installment
and Other(1)
 
Total
December 31, 2016
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
1,886

 
$
662

 
$
12,088

 
$
13,079

 
$
277

 
$
27,992

Collectively evaluated for impairment
703,610

 
551,177

 
1,794,137

 
2,700,829

 
153,206

 
5,902,959

Acquired with deteriorated credit quality
11,994

 
840

 
71,952

 
184,987

 
1,985

 
271,758

Ending balance
$
717,490

 
$
552,679

 
$
1,878,177

 
$
2,898,895

 
$
155,468

 
$
6,202,709

December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
370

 
$
2,698

 
$
16,650

 
$
16,819

 
$
90

 
$
36,627

Collectively evaluated for impairment
619,978

 
352,218

 
1,627,024

 
2,294,300

 
147,150

 
5,040,670

Acquired with deteriorated credit quality
16,489

 
2,749

 
91,649

 
222,610

 
2,668

 
336,165

Ending balance
$
636,837

 
$
357,665

 
$
1,735,323

 
$
2,533,729

 
$
149,908

 
$
5,413,462

(1) 
Includes lease financing receivables.