Loans and the Allowance for Loan Losses [Abstract]


	Accruing Loans										Nonaccruing Loans
	30-89 Days Past Due		90 Days or More Past Due		Current Loans			Total Loans			30-89 Days Past Due		90 Days or More Past Due		Current Loans		Total Loans		Total Loans
September 30, 2012
Commercial, financial, agricultural	$	287	$	18	$	306,897		$	307,202		$	5	$	3,615	$	234	$	3,854	$	311,056
Lease financing		—		—		224			224			—		—		—		—		224
Real estate – construction		—		—		103,522			103,522			—		1,932		—		1,932		105,454
Real estate – 1-4 family mortgage		11,915		1,325		840,363			853,603			2,627		13,697		13,469		29,793		883,396
Real estate – commercial mortgage		7,787		961		1,374,260			1,383,008			645		50,936		6,291		57,872		1,440,880
Installment loans to individuals		261		54		58,539			58,854			5		276		25		306		59,160
Unearned income		—		—		(7	)		(7	)		—		—		—		—		(7	)

Total	$	20,250	$	2,358	$	2,683,798		$	2,706,406		$	3,282	$	70,456	$	20,019	$	93,757	$	2,800,163

December 31, 2011
Commercial, financial, agricultural	$	2,071	$	165	$	269,078		$	271,314		$	511	$	5,474	$	792	$	6,777	$	278,091
Lease financing		—		—		343			343			—		—		—		—		343
Real estate – construction		—		41		73,670			73,711			—		7,524		—		7,524		81,235
Real estate – 1-4 family mortgage		11,949		2,481		771,596			786,026			1,140		31,457		6,004		38,601		824,627
Real estate – commercial mortgage		6,749		2,044		1,262,068			1,270,861			2,411		62,854		509		65,774		1,336,635
Installment loans to individuals		473		163		59,020			59,656			10		480		22		512		60,168
Unearned income		—		—		(15	)		(15	)		—		—		—		—		(15	)

Total	$	21,242	$	4,894	$	2,435,760		$	2,461,896		$	4,072	$	107,789	$	7,327	$	119,188	$	2,581,084

There were no restructured loans contractually 90 days past due at September 30, 2012 or December 31, 2011, respectively. The outstanding balance of restructured loans on nonaccrual status was $4,011 and $2,295 at September 30, 2012 and December 31, 2011, respectively.

Investment and interest income recognized on impaired loans


	Three Months Ended September 30, 2012				Three Months Ended September 30, 2011
	Average Recorded Investment		Interest Income Recognized⁽¹⁾		Average Recorded Investment		Interest Income Recognized⁽¹⁾
Commercial, financial, agricultural	$	3,474	$	25	$	5,006	$	75
Lease financing		—		—		—		—
Real estate – construction		2,086		6		12,909		—
Real estate – 1-4 family mortgage		58,104		917		68,924		331
Real estate – commercial mortgage		89,463		620		117,963		732
Installment loans to individuals		—		—		—		—

Total	$	153,127	$	1,568	$	204,802	$	1,138

⁽¹⁾	Includes interest income recognized using the cash-basis method of income recognition of $814 and $500, respectively.


	Nine Months Ended September 30, 2012				Nine Months Ended September 30, 2011
	Average Recorded Investment		Interest Income Recognized⁽¹⁾		Average Recorded Investment		Interest Income Recognized⁽¹⁾
Commercial, financial, agricultural	$	3,610	$	41	$	4,674	$	100
Lease financing		—		—		—		—
Real estate – construction		2,087		6		13,801		—
Real estate – 1-4 family mortgage		62,320		1,515		67,322		1,248
Real estate – commercial mortgage		95,050		1,696		120,631		2,132
Installment loans to individuals		—		—		—		—

Total	$	163,067	$	3,258	$	206,428	$	3,480

⁽¹⁾	Includes interest income recognized using the cash-basis method of income recognition of $1,128 and $891, respectively.

Changes in restructured loans


	Number of Loans			Recorded Investment
Totals at January 1, 2012		31		$	36,311
Additional loans with concessions		7			4,731
Reductions due to:
Reclassified as nonperforming		(3	)		(5,622	)
Charge-offs					(1,632	)
Transfer to other real estate owned		(1	)		(419	)
Principal paydowns					(1,600	)
Lapse of concession period		(2	)		(851	)

Totals at September 30, 2012		32		$	30,918

Loan portfolio not subject to risk rating


	Performing		Non-Performing		Total
September 30, 2012
Commercial, financial, agricultural	$	71,361	$	354	$	71,715
Lease financing		224		—		224
Real estate – construction		26,328		—		26,328
Real estate – 1-4 family mortgage		642,450		6,292		648,742
Real estate – commercial mortgage		186,744		965		187,709
Installment loans to individuals		56,325		60		56,385

Total	$	983,432	$	7,671	$	991,103

December 31, 2011
Commercial, financial, agricultural	$	61,864	$	198	$	62,062
Lease financing		343		—		343
Real estate – construction		18,756		340		19,096
Real estate – 1-4 family mortgage		554,702		5,951		560,653
Real estate – commercial mortgage		156,050		756		156,806
Installment loans to individuals		55,356		169		55,525

Total	$	847,071	$	7,414	$	854,485

Fair value of loans determined to be impaired and not to be impaired at the time of acquisition


	Impaired Covered Loans			Other Covered Loans			Not Covered Loans			Total
Contractually-required principal and interest	$	62,369		$	250,161		$	13,484		$	326,014
Nonaccretable difference⁽¹⁾		(19,720	)		(24,298	)		(1,198	)		(45,216	)

Cash flows expected to be collected		42,649			225,863			12,286			280,798
Accretable yield⁽²⁾		(16	)		(7,951	)		(1,168	)		(9,135	)

Fair value	$	42,633		$	217,912		$	11,118		$	271,663

⁽¹⁾	Represents contractual principal and interest cash flows of $33,747 and $11,469, respectively, not expected to be collected.

⁽²⁾	Represents contractual interest payments of $5,362 expected to be collected and purchase discount of $3,773.

Rollforward of the allowance for loan losses


	Commercial			Real Estate - Construction			Real Estate - 1-4 Family Mortgage			Real Estate - Commercial Mortgage			Installment and Other⁽¹⁾			Total
Three Months Ended September 30, 2012
Allowance for loan losses:
Beginning balance	$	3,235		$	966		$	18,980		$	20,765		$	833		$	44,779
Charge-offs		(2,590	)		—			(2,682	)		(780	)		(118	)		(6,170	)
Recoveries		145			3			648			22			17			835

Net charge-offs		(2,445	)		3			(2,034	)		(758	)		(101	)		(5,335	)
Provision for loan losses		2,795			79			2,269			988			(164	)		5,967
Benefit attributable to FDIC loss-share agreements		(335	)		—			(1,187	)		(60	)		—			(1,582	)
Recoveries payable to FDIC		2			—			162			76			—			240

Provision for loan losses charged to operations		2,462			79			1,244			1,004			(164	)		4,625

Ending balance	$	3,252		$	1,048		$	18,190		$	21,011		$	568		$	44,069

Nine Months Ended September 30, 2012
Allowance for loan losses:
Beginning balance	$	4,197		$	1,073		$	17,191		$	20,979		$	900		$	44,340
Charge-offs		(4,623	)		(42	)		(7,230	)		(3,806	)		(321	)		(16,022	)
Recoveries		323			6			981			247			69			1,626

Net charge-offs		(4,300	)		(36	)		(6,249	)		(3,559	)		(252	)		(14,396	)
Provision for loan losses		4,052			28			10,269			6,640			(84	)		20,905
Benefit attributable to FDIC loss-share agreements		(723	)		(17	)		(3,421	)		(3,592	)		—			(7,753	)
Recoveries payable to FDIC		26			—			400			543			4			973

Provision for loan losses charged to operations		3,355			11			7,248			3,591			(80	)		14,125

Ending balance	$	3,252		$	1,048		$	18,190		$	21,011		$	568		$	44,069

Period-End Amount Allocated to:
Individually evaluated for impairment	$	715		$	2		$	10,011		$	8,441		$	—		$	19,169
Collectively evaluated for impairment		2,537			1,046			8,179			12,570			568			24,900
Acquired with deteriorated credit quality		—			—			—			—			—			—

Ending balance	$	3,252		$	1,048		$	18,190		$	21,011		$	568		$	44,069


	Commercial			Real Estate - Construction			Real Estate - 1-4 Family Mortgage			Real Estate - Commercial Mortgage			Installment and Other⁽¹⁾			Total
Three Months Ended September 30, 2011
Allowance for loan losses:
Beginning balance	$	3,841		$	1,389		$	19,864		$	21,518		$	959		$	47,571
Charge-offs		(210	)		—			(3,281	)		(1,372	)		(105	)		(4,968	)
Recoveries		61			18			245			17			88			429

Net charge-offs		(149	)		18			(3,036	)		(1,355	)		(17	)		(4,539	)
Provision for loan losses		174			(240	)		4,298			1,536			(10	)		5,758
Benefit attributable to FDIC loss-share agreements		(40	)		—			—			(218	)		—			(258	)

Provision for loan losses charged to operations		134			(240	)		4,298			1,318			(10	)		5,500

Ending balance	$	3,826		$	1,167		$	21,126		$	21,481		$	932		$	48,532

Nine Months Ended September 30, 2011
Allowance for loan losses:
Beginning balance	$	2,625		$	2,115		$	20,870		$	18,779		$	1,026		$	45,415
Charge-offs		(1,494	)		(798	)		(9,896	)		(2,746	)		(194	)		(15,128	)
Recoveries		239			49			582			886			139			1,895

Net charge-offs		(1,255	)		(749	)		(9,314	)		(1,860	)		(55	)		(13,233	)
Provision for loan losses		2,496			(199	)		9,570			4,780			(39	)		16,608
Benefit attributable to FDIC loss-share agreements		(40	)		—			—			(218	)		—			(258	)

Provision for loan losses charged to operations		2,456			(199	)		9,570			4,562			(39	)		16,350

Ending balance	$	3,826		$	1,167		$	21,126		$	21,481		$	932		$	48,532

Period-End Amount Allocated to:
Individually evaluated for impairment	$	1,074		$	16		$	9,915		$	8,712		$	—		$	19,717
Collectively evaluated for impairment		2,752			1,151			11,211			12,769			932			28,815
Acquired with deteriorated credit quality		—			—			—			—			—			—

Ending balance	$	3,826		$	1,167		$	21,126		$	21,481		$	932		$	48,532

⁽¹⁾	Includes lease financing receivables.