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Allowance for Loan Losses
 12 Months Ended
Dec. 31, 2017
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: 
 
2017
 
2016
Commercial, financial, agricultural
$
1,039,393

 
$
717,490

Lease financing
57,354

 
49,250

Real estate – construction
633,389

 
552,679

Real estate – 1-4 family mortgage
2,343,721

 
1,878,177

Real estate – commercial mortgage
3,427,530

 
2,898,895

Installment loans to individuals
122,276

 
108,627

Gross loans
7,623,663

 
6,205,118

Unearned income
(3,341
)
 
(2,409
)
Loans, net of unearned income
7,620,322

 
6,202,709

Allowance for loan losses
(46,211
)
 
(42,737
)
Net loans
$
7,574,111

 
$
6,159,972


Allowance for Loan Losses
The following table provides a roll-forward 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, 2017
 
 
 
 
 
 
 
 
 
 
 
Allowance for loan losses:
 
 
 
 
 
 
 
 
 
 
 
Beginning balance
$
5,486

 
$
2,380

 
$
14,294

 
$
19,059

 
$
1,518

 
$
42,737

Charge-offs
(2,874
)
 
—

 
(1,713
)
 
(1,791
)
 
(630
)
 
(7,008
)
Recoveries
422

 
105

 
733

 
1,565

 
107

 
2,932

Net charge-offs
(2,452
)
 
105

 
(980
)
 
(226
)
 
(523
)
 
(4,076
)
Provision for loan losses charged to operations
2,508

 
943

 
(1,305
)
 
4,551

 
853

 
7,550

Ending balance
$
5,542

 
$
3,428

 
$
12,009

 
$
23,384

 
$
1,848

 
$
46,211

Period-End Amount Allocated to:
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
190

 
$
4

 
$
606

 
$
1,867

 
$
7

 
$
2,674

Collectively evaluated for impairment
5,040

 
3,424

 
10,831

 
20,625

 
1,840

 
41,760

Acquired with deteriorated credit quality
312

 
—

 
572

 
892

 
1

 
1,777

Ending balance
$
5,542

 
$
3,428

 
$
12,009

 
$
23,384

 
$
1,848

 
$
46,211

 
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

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

(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, 2017
 
 
 
 
 
 
 
 
 
 
 
Individually evaluated for impairment
$
3,064

 
$
1,777

 
$
14,482

 
$
10,545

 
$
439

 
$
30,307

Collectively evaluated for impairment
1,021,014

 
631,612

 
2,275,270

 
3,260,648

 
174,211

 
7,362,755

Acquired with deteriorated credit quality
15,315

 
—

 
53,969

 
156,337

 
1,639

 
227,260

Ending balance
$
1,039,393

 
$
633,389

 
$
2,343,721

 
$
3,427,530

 
$
176,289

 
$
7,620,322

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

(1)
Includes lease financing receivables.