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Loans (Tables) | 9 Months Ended
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Sep. 30, 2022
Loans and Leases Receivable Disclosure [Line Items] |
Composition Of Loan Portfolio By Class Of Loan | The composition of the loan portfolio at September 30, 2022 and December 31, 2021 was as follows:
| September 30, 2022 |  |  | December 31, 2021
(In thousands) | Amortized Cost |  |  | Amortized Cost
Commercial, financial and agricultural: (1) |  |  |  |
Commercial, financial and agricultural (1) | $ | 1,270,321 |  |  |  | $ | 1,223,079 |
PPP loans | 5,715 |  |  |  | 74,420 |
Overdrafts | 1,957 |  |  |  | 1,127 |
Commercial real estate (1) | 1,790,801 |  |  |  | 1,801,792 |
Construction real estate: |  |  |  |
Commercial | 200,580 |  |  |  | 214,561 |
Retail | 111,127 |  |  |  | 107,225 |
Residential real estate: |  |  |  |
Commercial | 532,921 |  |  |  | 533,802 |
Mortgage | 1,057,204 |  |  |  | 1,033,658 |
HELOC | 166,989 |  |  |  | 165,605 |
Installment | 4,251 |  |  |  | 5,642 |
Consumer: |  |  |  |
Consumer | 1,938,913 |  |  |  | 1,685,793 |
GFSC | 452 |  |  |  | 1,793 |
Check loans | 2,144 |  |  |  | 2,093 |
Leases | 19,871 |  |  |  | 20,532 |
Total | $ | 7,103,246 |  |  |  | $ | 6,871,122 |
Allowance for credit losses | (83,961) |  |  |  | (83,197) |
Net loans | $ | 7,019,285 |  |  |  | $ | 6,787,925 |
(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that were not broken out by class.
Recorded Investment In Nonaccrual Restructured And Loans Past Due 90 Days Or More And Accruing | The following tables present the amortized cost of nonaccrual loans, accruing TDRs, and loans past due 90 days or more and still accruing, by class of loan, at September 30, 2022 and December 31, 2021:
|  | September 30, 2022
(In thousands) |  | Nonaccrual Loans |  | Accruing TDRs |  | Loans Past Due 90 Days or More and Accruing |  | Total Nonperforming Loans
Commercial, financial and agricultural: |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 10,736 |  |  | $ | 1,478 |  |  | $ | 30 |  |  | $ | 12,244 |
PPP loans |  | — |  |  | — |  |  | 8 |  |  | 8 |
Overdrafts |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate |  | 18,866 |  |  | 9,068 |  |  | — |  |  | 27,934 |
Construction real estate: |  |  |  |  |  |  |  |
Commercial |  | 439 |  |  | — |  |  | — |  |  | 439 |
Retail |  | 10 |  |  | 4 |  |  | — |  |  | 14 |
Residential real estate: |  |  |  |  |  |  |  |
Commercial |  | 1,725 |  |  | 430 |  |  | — |  |  | 2,155 |
Mortgage |  | 9,579 |  |  | 7,084 |  |  | 407 |  |  | 17,070 |
HELOC |  | 1,172 |  |  | 197 |  |  | — |  |  | 1,369 |
Installment |  | 67 |  |  | 1,009 |  |  | 4 |  |  | 1,080 |
Consumer: |  |  |  |  |  |  |  |
Consumer |  | 969 |  |  | 561 |  |  | 335 |  |  | 1,865 |
GFSC |  | 14 |  |  | — |  |  | 6 |  |  | 20 |
Check loans |  | — |  |  | — |  |  | — |  |  | — |
Leases |  | 1,035 |  |  | — |  |  | — |  |  | 1,035 |
Total loans |  | $ | 44,612 |  |  | $ | 19,831 |  |  | $ | 790 |  |  | $ | 65,233 |
|  | December 31, 2021
(In thousands) |  | Nonaccrual Loans |  | Accruing TDRs |  | Loans Past Due 90 Days or More and Accruing |  | Total Nonperforming Loans
Commercial, financial and agricultural |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 13,271 |  |  | $ | 9,396 |  |  | $ | — |  |  | $ | 22,667 |
PPP loans |  | — |  |  | — |  |  | 793 |  |  | 793 |
Overdrafts |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate |  | 40,142 |  |  | 7,713 |  |  | — |  |  | 47,855 |
Construction real estate: |  |  |  |  |  |  |  |
Commercial |  | 52 |  |  | 169 |  |  | — |  |  | 221 |
Retail |  | 716 |  |  | 9 |  |  | — |  |  | 725 |
Residential real estate: |  |  |  |  |  |  |  |
Commercial |  | 2,366 |  |  | 240 |  |  | — |  |  | 2,606 |
Mortgage |  | 11,718 |  |  | 7,779 |  |  | 372 |  |  | 19,869 |
HELOC |  | 1,590 |  |  | 803 |  |  | — |  |  | 2,393 |
Installment |  | 82 |  |  | 1,508 |  |  | — |  |  | 1,590 |
Consumer |  |  |  |  |  |  |  |
Consumer |  | 1,518 |  |  | 700 |  |  | 431 |  |  | 2,649 |
GFSC |  | 79 |  |  | 6 |  |  | 11 |  |  | 96 |
Check loans |  | — |  |  | — |  |  | — |  |  | — |
Leases |  | 1,188 |  |  | — |  |  | — |  |  | 1,188 |
Total loans |  | $ | 72,722 |  |  | $ | 28,323 |  |  | $ | 1,607 |  |  | $ | 102,652 |
Financing Receivable, Nonaccrual | The following tables provide additional detail on nonaccrual loans and the related ACL, by class of loan, at September 30, 2022 and December 31, 2021:
|  | September 30, 2022
(In thousands) |  | Nonaccrual Loans With No ACL |  | Nonaccrual Loans With an ACL |  | Related ACL
Commercial, financial and agricultural: |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 9,982 |  |  | $ | 754 |  |  | $ | 507 |
PPP loans |  | — |  |  | — |  |  | — |
Overdrafts |  | — |  |  | — |  |  | — |
Commercial real estate |  | 15,288 |  |  | 3,578 |  |  | 1,152 |
Construction real estate: |  |  |  |  |  |
Commercial |  | 439 |  |  | — |  |  | — |
Retail |  | — |  |  | 10 |  |  | 1 |
Residential real estate: |  |  |  |  |  |
Commercial |  | 1,725 |  |  | — |  |  | — |
Mortgage |  | — |  |  | 9,579 |  |  | 78 |
HELOC |  | 125 |  |  | 1,047 |  |  | 88 |
Installment |  | — |  |  | 67 |  |  | 17 |
Consumer |  |  |  |  |  |
Consumer |  | — |  |  | 969 |  |  | 409 |
GFSC |  | — |  |  | 14 |  |  | 1 |
Check loans |  | — |  |  | — |  |  | — |
Leases |  | 943 |  |  | 92 |  |  | 18 |
Total loans |  | $ | 28,502 |  |  | $ | 16,110 |  |  | $ | 2,271 |
|  | December 31, 2021
(In thousands) |  | Nonaccrual Loans With No ACL |  | Nonaccrual Loans With an ACL |  | Related ACL
Commercial, financial and agricultural: |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 11,494 |  |  | $ | 1,777 |  |  | $ | 1,343 |
PPP loans |  | — |  |  | — |  |  | — |
Overdrafts |  | — |  |  | — |  |  | — |
Commercial real estate |  | 39,151 |  |  | 991 |  |  | 188 |
Construction real estate: |  |  |  |  |  |
Commercial |  | 52 |  |  | — |  |  | — |
Retail |  | — |  |  | 716 |  |  | 67 |
Residential real estate: |  |  |  |  |  |
Commercial |  | 2,366 |  |  | — |  |  | — |
Mortgage |  | — |  |  | 11,718 |  |  | 73 |
HELOC |  | — |  |  | 1,590 |  |  | 99 |
Installment |  | — |  |  | 82 |  |  | 24 |
Consumer |  |  |  |  |  |
Consumer |  | — |  |  | 1,518 |  |  | 393 |
GFSC |  | — |  |  | 79 |  |  | 10 |
Check loans |  | — |  |  | — |  |  | — |
Leases |  | 914 |  |  | 274 |  |  | 43 |
Total |  | $ | 53,977 |  |  | $ | 18,745 |  |  | $ | 2,240 |
Schedule of impaired financing receivables additional info | The following tables provide the amortized cost basis of collateral-dependent loans by class of loan, as of September 30, 2022 and December 31, 2021:
|  | September 30, 2022
(In thousands) |  | Real Estate |  | Business Assets |  | Other | Total
Commercial, financial and agricultural |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 8,716 |  |  | $ | 3,318 |  |  | $ | 225 |  | $ | 12,259 |
Commercial real estate |  | 31,436 |  |  | 30 |  |  | — |  | 31,466 |
Construction real estate: |  |  |  |  |  |  |
Commercial |  | 1,107 |  |  | — |  |  | — |  | 1,107 |
Residential real estate: |  |  |  |  |  |  |
Commercial |  | 2,452 |  |  | — |  |  | — |  | 2,452 |
Mortgage |  | 94 |  |  | — |  |  | — |  | 94 |
HELOC |  | 124 |  |  | — |  |  | — |  | 124 |
Leases |  | — |  |  | 1,035 |  |  | — |  | 1,035 |
Total loans |  | $ | 43,929 |  |  | $ | 4,383 |  |  | $ | 225 |  | $ | 48,537 |
|  | December 31, 2021
(In thousands) |  | Real Estate |  | Business Assets |  | Other | Total
Commercial, financial and agricultural |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 9,321 |  |  | $ | 13,366 |  |  | $ | 156 |  | $ | 22,843 |
Commercial real estate |  | 52,901 |  |  | 37 |  |  | — |  | 52,938 |
Construction real estate: |  |  |  |  |  |  |
Commercial |  | 1,178 |  |  | — |  |  | — |  | 1,178 |
Residential real estate: |  |  |  |  |  |  |
Commercial |  | 2,906 |  |  | — |  |  | 57 |  | 2,963 |
Mortgage |  | 370 |  |  | — |  |  | — |  | 370 |
HELOC |  | 148 |  |  | — |  |  | — |  | 148 |
Leases |  | — |  |  | 1,211 |  |  | — |  | 1,211 |
Total loans |  | $ | 66,824 |  |  | $ | 14,614 |  |  | $ | 213 |  | $ | 81,651 |
Interest income on nonaccrual loans individually evaluated for impairment is recognized on a cash basis only when Park expects to receive the entire recorded investment in the loans. The following table presents interest income recognized on nonaccrual loans for the three-month and the nine-month periods ended September 30, 2022 and 2021:
|  | Interest Income Recognized
(In thousands) |  | Three Months Ended September 30, 2022 |  | Three Months Ended September 30, 2021 |  |  | Nine Months Ended September 30, 2022 |  | Nine Months Ended September 30, 2021
Commercial, financial and agricultural: |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 15 |  |  | $ | 40 |  |  |  | $ | 45 |  |  | $ | 147 |
PPP loans |  | — |  |  | — |  |  |  | — |  |  | — |
Overdrafts |  | — |  |  | — |  |  |  | — |  |  | — |
Commercial real estate |  | 237 |  |  | 458 |  |  |  | 751 |  |  | 1,480 |
Construction real estate: |  |  |  |  |  |  |  |  |
Commercial |  | 6 |  |  | 1 |  |  |  | 10 |  |  | 38 |
Retail |  | — |  |  | — |  |  |  | 4 |  |  | 1 |
Residential real estate: |  |  |  |  |  |  |  |  |
Commercial |  | 24 |  |  | 60 |  |  |  | 64 |  |  | 180 |
Mortgage |  | 43 |  |  | 90 |  |  |  | 112 |  |  | 233 |
HELOC |  | 5 |  |  | 2 |  |  |  | 11 |  |  | 12 |
Installment |  | 1 |  |  | — |  |  |  | 3 |  |  | 2 |
Consumer: |  |  |  |  |  |  |  |  |
Consumer |  | 14 |  |  | 23 |  |  |  | 42 |  |  | 71 |
GFSC |  | 1 |  |  | 3 |  |  |  | 4 |  |  | 11 |
Check loans |  | — |  |  | — |  |  |  | — |  |  | — |
Leases |  | 9 |  |  | 17 |  |  |  | 33 |  |  | 61 |
Total loans |  | $ | 355 |  |  | $ | 694 |  |  |  | $ | 1,079 |  |  | $ | 2,236 |
Financing Receivable, Past Due | The following tables present the aging of the amortized cost in past due loans at September 30, 2022 and December 31, 2021 by class of loan:
| September 30, 2022
(In thousands) | Accruing Loans Past Due 30-89 Days |  | Past Due Nonaccrual Loans and Loans Past Due 90 Days or More and Accruing (1) |  | Total Past Due |  | Total Current (2) |  | Total Amortized Cost
Commercial, financial and agricultural: |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 1,356 |  |  | $ | 9,303 |  |  | $ | 10,659 |  |  | $ | 1,259,662 |  |  | $ | 1,270,321 |
PPP loans | 780 |  |  | 8 |  |  | 788 |  |  | 4,927 |  |  | 5,715 |
Overdrafts | — |  |  | — |  |  | — |  |  | 1,957 |  |  | 1,957 |
Commercial real estate | 574 |  |  | 516 |  |  | 1,090 |  |  | 1,789,711 |  |  | 1,790,801 |
Construction real estate: |  |  |  |  |  |  |  |  |
Commercial | 158 |  |  | — |  |  | 158 |  |  | 200,422 |  |  | 200,580 |
Retail | — |  |  | — |  |  | — |  |  | 111,127 |  |  | 111,127 |
Residential real estate: |  |  |  |  |  |  |  |  |
Commercial | 9 |  |  | 362 |  |  | 371 |  |  | 532,550 |  |  | 532,921 |
Mortgage | 6,986 |  |  | 5,450 |  |  | 12,436 |  |  | 1,044,768 |  |  | 1,057,204 |
HELOC | 282 |  |  | 631 |  |  | 913 |  |  | 166,076 |  |  | 166,989 |
Installment | 46 |  |  | 7 |  |  | 53 |  |  | 4,198 |  |  | 4,251 |
Consumer: |  |  |  |  |  |  |  |  |
Consumer | 4,498 |  |  | 477 |  |  | 4,975 |  |  | 1,933,938 |  |  | 1,938,913 |
GFSC | 46 |  |  | 10 |  |  | 56 |  |  | 396 |  |  | 452 |
Check loans | 5 |  |  | — |  |  | 5 |  |  | 2,139 |  |  | 2,144 |
Leases | 38 |  |  | 166 |  |  | 204 |  |  | 19,667 |  |  | 19,871 |
Total loans | $ | 14,778 |  |  | $ | 16,930 |  |  | $ | 31,708 |  |  | $ | 7,071,538 |  |  | $ | 7,103,246 |
(1) Includes an aggregate of $790,000 of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans. (2) Includes an aggregate of $28.5 million of nonaccrual loans which were current in regards to contractual principal and interest payments.
| December 31, 2021
(in thousands) | Accruing Loans Past Due 30-89 Days |  | Past Due Nonaccrual Loans and Loans Past Due 90 Days or More and Accruing (1) |  | Total Past Due |  | Total Current (2) |  | Total Amortized Cost
Commercial, financial and agricultural |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | 2,908 |  |  | $ | 9,547 |  |  | $ | 12,455 |  |  | $ | 1,210,624 |  |  | $ | 1,223,079 |
PPP loans | 242 |  |  | 793 |  |  | 1,035 |  |  | 73,385 |  |  | 74,420 |
Overdrafts | — |  |  | — |  |  | — |  |  | 1,127 |  |  | 1,127 |
Commercial real estate | 65 |  |  | 1,461 |  |  | 1,526 |  |  | 1,800,266 |  |  | 1,801,792 |
Construction real estate: |  |  |  |  |  |  |  |  |
Commercial | — |  |  | — |  |  | — |  |  | 214,561 |  |  | 214,561 |
Retail | 346 |  |  | 660 |  |  | 1,006 |  |  | 106,219 |  |  | 107,225 |
Residential real estate: |  |  |  |  |  |  |  |  |
Commercial | 283 |  |  | 438 |  |  | 721 |  |  | 533,081 |  |  | 533,802 |
Mortgage | 6,170 |  |  | 5,933 |  |  | 12,103 |  |  | 1,021,555 |  |  | 1,033,658 |
HELOC | 565 |  |  | 1,011 |  |  | 1,576 |  |  | 164,029 |  |  | 165,605 |
Installment | 49 |  |  | 31 |  |  | 80 |  |  | 5,562 |  |  | 5,642 |
Consumer |  |  |  |  |  |  |  |  |
Consumer | 2,614 |  |  | 618 |  |  | 3,232 |  |  | 1,682,561 |  |  | 1,685,793 |
GFSC | 153 |  |  | 52 |  |  | 205 |  |  | 1,588 |  |  | 1,793 |
Check loans | 10 |  |  | — |  |  | 10 |  |  | 2,083 |  |  | 2,093 |
Leases | 60 |  |  | 526 |  |  | 586 |  |  | 19,946 |  |  | 20,532 |
Total loans | $ | 13,465 |  |  | $ | 21,070 |  |  | $ | 34,535 |  |  | $ | 6,836,587 |  |  | $ | 6,871,122 |
(1) Includes an aggregate of $1.6 million of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans. (2) Includes an aggregate of $53.3 million of nonaccrual loans which were current in regards to contractual principal and interest payments.
Financing Receivable Credit Quality Indicators | Based on the most recent analysis performed, the risk category of loans by class of loans as of September 30, 2022 and December 31, 2021 were as follows:
September 30, 2022 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans Amortized Cost Basis | Total
Commercial, financial and agricultural: Commercial, financial and agricultural (1) |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 146,540 |  | $ | 221,469 |  | $ | 166,613 |  | $ | 68,641 |  | $ | 36,924 |  | $ | 62,427 |  | $ | 523,166 |  | $ | 1,225,780 |
Special Mention | 622 |  | 1,554 |  | 1,076 |  | 613 |  | 38 |  | 92 |  | 27,378 |  | 31,373 |
Substandard | 277 |  | 20 |  | 2,189 |  | 108 |  | 1,384 |  | 7,838 |  | 669 |  | 12,485 |
Doubtful | — |  | — |  | 7 |  | 99 |  | 99 |  | 273 |  | 205 |  | 683 |
Total | $ | 147,439 |  | $ | 223,043 |  | $ | 169,885 |  | $ | 69,461 |  | $ | 38,445 |  | $ | 70,630 |  | $ | 551,418 |  | $ | 1,270,321 |
Commercial, financial and agricultural: PPP |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | — |  | $ | 3,162 |  | $ | 2,553 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 5,715 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | — |  | $ | 3,162 |  | $ | 2,553 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 5,715 |
Commercial real estate (1) |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 271,557 |  | $ | 379,993 |  | $ | 389,071 |  | $ | 228,751 |  | $ | 112,182 |  | $ | 327,854 |  | $ | 14,433 |  | $ | 1,723,841 |
Special Mention | 397 |  | 757 |  | 3,934 |  | 6,821 |  | 13,830 |  | 22,311 |  | — |  | 48,050 |
Substandard | 413 |  | 1,292 |  | 1,043 |  | 1,549 |  | 4,293 |  | 6,596 |  | 150 |  | 15,336 |
Doubtful | — |  | — |  | — |  | — |  | 2,966 |  | 608 |  | — |  | 3,574 |
Total | $ | 272,367 |  | $ | 382,042 |  | $ | 394,048 |  | $ | 237,121 |  | $ | 133,271 |  | $ | 357,369 |  | $ | 14,583 |  | $ | 1,790,801 |
Construction real estate: Commercial |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 69,238 |  | $ | 55,895 |  | $ | 30,411 |  | $ | 3,019 |  | $ | 3,194 |  | $ | 3,400 |  | $ | 34,080 |  | $ | 199,237 |
Special Mention | — |  | — |  | 236 |  | — |  | — |  | — |  | — |  | 236 |
Substandard | — |  | 132 |  | 307 |  | — |  | 668 |  | — |  | — |  | 1,107 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 69,238 |  | $ | 56,027 |  | $ | 30,954 |  | $ | 3,019 |  | $ | 3,862 |  | $ | 3,400 |  | $ | 34,080 |  | $ | 200,580 |
Residential Real Estate: Commercial |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 77,551 |  | $ | 125,411 |  | $ | 144,603 |  | $ | 58,862 |  | $ | 35,700 |  | $ | 69,669 |  | $ | 15,341 |  | $ | 527,137 |
Special Mention | — |  | 93 |  | 1,491 |  | 698 |  | — |  | 1,356 |  | 146 |  | 3,784 |
Substandard | 195 |  | 464 |  | 321 |  | 32 |  | 309 |  | 679 |  | — |  | 2,000 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 77,746 |  | $ | 125,968 |  | $ | 146,415 |  | $ | 59,592 |  | $ | 36,009 |  | $ | 71,704 |  | $ | 15,487 |  | $ | 532,921 |
September 30, 2022 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans Amortized Cost Basis | Total
Leases |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 6,869 |  | $ | 4,275 |  | $ | 3,996 |  | $ | 1,529 |  | $ | 1,209 |  | $ | 853 |  | $ | — |  | $ | 18,731 |
Special Mention | 105 |  | — |  | — |  | — |  | — |  | — |  | — |  | 105 |
Substandard | 34 |  | — |  | 533 |  | 122 |  | 13 |  | 33 |  | — |  | 735 |
Doubtful | 74 |  | 91 |  | 26 |  | 108 |  | — |  | 1 |  | — |  | 300 |
Total | $ | 7,082 |  | $ | 4,366 |  | $ | 4,555 |  | $ | 1,759 |  | $ | 1,222 |  | $ | 887 |  | $ | — |  | $ | 19,871 |
Total Commercial Loans |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 571,755 |  | $ | 790,205 |  | $ | 737,247 |  | $ | 360,802 |  | $ | 189,209 |  | $ | 464,203 |  | $ | 587,020 |  | $ | 3,700,441 |
Special Mention | 1,124 |  | 2,404 |  | 6,737 |  | 8,132 |  | 13,868 |  | 23,759 |  | 27,524 |  | 83,548 |
Substandard | 919 |  | 1,908 |  | 4,393 |  | 1,811 |  | 6,667 |  | 15,146 |  | 819 |  | 31,663 |
Doubtful | 74 |  | 91 |  | 33 |  | 207 |  | 3,065 |  | 882 |  | 205 |  | 4,557 |
Total | $ | 573,872 |  | $ | 794,608 |  | $ | 748,410 |  | $ | 370,952 |  | $ | 212,809 |  | $ | 503,990 |  | $ | 615,568 |  | $ | 3,820,209 |
(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that are not broken out by class.
December 31, 2021 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans Amortized Cost Basis | Total
Commercial, financial and agricultural: Commercial, financial and agricultural (1) |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 267,016 |  | $ | 208,078 |  | $ | 100,736 |  | $ | 52,705 |  | $ | 36,528 |  | $ | 59,909 |  | $ | 468,749 |  | $ | 1,193,721 |
Special Mention | 1,608 |  | 1,592 |  | 429 |  | 59 |  | 277 |  | — |  | 11,986 |  | 15,951 |
Substandard | 106 |  | 906 |  | 401 |  | 1,345 |  | 549 |  | 7,818 |  | 484 |  | 11,609 |
Doubtful | — |  | 30 |  | 465 |  | 227 |  | 463 |  | 125 |  | 488 |  | 1,798 |
Total | $ | 268,730 |  | $ | 210,606 |  | $ | 102,031 |  | $ | 54,336 |  | $ | 37,817 |  | $ | 67,852 |  | $ | 481,707 |  | $ | 1,223,079 |
Commercial, financial and agricultural: PPP |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 69,588 |  | $ | 4,832 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 74,420 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 69,588 |  | $ | 4,832 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 74,420 |
Commercial real estate (1) |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 376,468 |  | $ | 445,780 |  | $ | 263,786 |  | $ | 154,637 |  | $ | 115,571 |  | $ | 317,371 |  | $ | 14,890 |  | $ | 1,688,503 |
Special Mention | 786 |  | 6,206 |  | 32,965 |  | 9,354 |  | 4,297 |  | 17,829 |  | 996 |  | 72,433 |
Substandard | 3,897 |  | 2,578 |  | 1,385 |  | 11,373 |  | 5,967 |  | 14,541 |  | 450 |  | 40,191 |
Doubtful | — |  | — |  | — |  | — |  | 47 |  | 618 |  | — |  | 665 |
Total | $ | 381,151 |  | $ | 454,564 |  | $ | 298,136 |  | $ | 175,364 |  | $ | 125,882 |  | $ | 350,359 |  | $ | 16,336 |  | $ | 1,801,792 |
December 31, 2021 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans Amortized Cost Basis | Total
Construction real estate: Commercial |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 96,929 |  | $ | 76,867 |  | $ | 7,003 |  | $ | 4,841 |  | $ | 1,856 |  | $ | 3,412 |  | $ | 22,444 |  | $ | 213,352 |
Special Mention | 202 |  | — |  | — |  | 691 |  | — |  | — |  | — |  | 893 |
Substandard | — |  | 52 |  | — |  | 264 |  | — |  | — |  | — |  | 316 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 97,131 |  | $ | 76,919 |  | $ | 7,003 |  | $ | 5,796 |  | $ | 1,856 |  | $ | 3,412 |  | $ | 22,444 |  | $ | 214,561 |
Residential Real Estate: Commercial |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 138,801 |  | $ | 165,202 |  | $ | 67,921 |  | $ | 44,896 |  | $ | 26,583 |  | $ | 70,434 |  | $ | 15,507 |  | $ | 529,344 |
Special Mention | 95 |  | 884 |  | 106 |  | 79 |  | — |  | 497 |  | 135 |  | 1,796 |
Substandard | 735 |  | 22 |  | 691 |  | 41 |  | 95 |  | 993 |  | 29 |  | 2,606 |
Doubtful | 56 |  | — |  | — |  | — |  | — |  | — |  | — |  | 56 |
Total | $ | 139,687 |  | $ | 166,108 |  | $ | 68,718 |  | $ | 45,016 |  | $ | 26,678 |  | $ | 71,924 |  | $ | 15,671 |  | $ | 533,802 |
Leases |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 6,705 |  | $ | 5,729 |  | $ | 2,628 |  | $ | 2,151 |  | $ | 705 |  | $ | 845 |  | $ | — |  | $ | 18,763 |
Special Mention | 198 |  | 111 |  | 184 |  | 67 |  | 21 |  | — |  | — |  | 581 |
Substandard | — |  | 698 |  | — |  | 23 |  | 19 |  | 78 |  | — |  | 818 |
Doubtful | — |  | — |  | 332 |  | 16 |  | 22 |  | — |  | — |  | 370 |
Total | $ | 6,903 |  | $ | 6,538 |  | $ | 3,144 |  | $ | 2,257 |  | $ | 767 |  | $ | 923 |  | $ | — |  | $ | 20,532 |
Total Commercial Loans |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 955,507 |  | $ | 906,488 |  | $ | 442,074 |  | $ | 259,230 |  | $ | 181,243 |  | $ | 451,971 |  | $ | 521,590 |  | $ | 3,718,103 |
Special Mention | 2,889 |  | 8,793 |  | 33,684 |  | 10,250 |  | 4,595 |  | 18,326 |  | 13,117 |  | 91,654 |
Substandard | 4,738 |  | 4,256 |  | 2,477 |  | 13,046 |  | 6,630 |  | 23,430 |  | 963 |  | 55,540 |
Doubtful | 56 |  | 30 |  | 797 |  | 243 |  | 532 |  | 743 |  | 488 |  | 2,889 |
Total | $ | 963,190 |  | $ | 919,567 |  | $ | 479,032 |  | $ | 282,769 |  | $ | 193,000 |  | $ | 494,470 |  | $ | 536,158 |  | $ | 3,868,186 |
(1) Included within each of commercial, financial and agricultural loans and commercial real estate loans is an immaterial amount of consumer loans that are not broken out by class.
September 30, 2022 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans Amortized Cost Basis | Total
Commercial, financial and agricultural: Overdrafts |  |  |  |  |  |
Performing | $ | 1,957 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,957 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 1,957 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,957 |
Construction Real Estate: Retail |  |  |  |  |  |
Performing | $ | 49,821 |  | $ | 43,035 |  | $ | 9,093 |  | $ | 4,751 |  | $ | 1,746 |  | $ | 2,591 |  | $ | 76 |  | $ | 111,113 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | 14 |  | — |  | 14 |
Total | $ | 49,821 |  | $ | 43,035 |  | $ | 9,093 |  | $ | 4,751 |  | $ | 1,746 |  | $ | 2,605 |  | $ | 76 |  | $ | 111,127 |
Residential Real Estate: Mortgage |  |  |  |  |  |
Performing | $ | 168,168 |  | $ | 217,090 |  | $ | 197,891 |  | $ | 93,470 |  | $ | 57,037 |  | $ | 306,478 |  | $ | — |  | $ | 1,040,134 |
Nonperforming | — |  | — |  | 357 |  | 564 |  | 578 |  | 15,571 |  | — |  | 17,070 |
Total | $ | 168,168 |  | $ | 217,090 |  | $ | 198,248 |  | $ | 94,034 |  | $ | 57,615 |  | $ | 322,049 |  | $ | — |  | $ | 1,057,204 |
Residential Real Estate: HELOC |  |  |  |  |  |
Performing | $ | — |  | $ | 312 |  | $ | 24 |  | $ | 112 |  | $ | 117 |  | $ | 2,118 |  | $ | 162,937 |  | $ | 165,620 |
Nonperforming | — |  | — |  | 45 |  | — |  | — |  | 1,156 |  | 168 |  | 1,369 |
Total | $ | — |  | $ | 312 |  | $ | 69 |  | $ | 112 |  | $ | 117 |  | $ | 3,274 |  | $ | 163,105 |  | $ | 166,989 |
Residential Real Estate: Installment |  |  |  |  |  |
Performing | $ | 78 |  | $ | — |  | $ | 2 |  | $ | 271 |  | $ | 68 |  | $ | 2,752 |  | $ | — |  | $ | 3,171 |
Nonperforming | — |  | — |  | 8 |  | 3 |  | 19 |  | 1,050 |  | — |  | 1,080 |
Total | $ | 78 |  | $ | — |  | $ | 10 |  | $ | 274 |  | $ | 87 |  | $ | 3,802 |  | $ | — |  | $ | 4,251 |
Consumer: Consumer |  |  |  |  |  |  |  |
Performing | $ | 731,330 |  | $ | 501,209 |  | $ | 366,792 |  | $ | 171,775 |  | $ | 71,891 |  | $ | 77,727 |  | $ | 16,324 |  | $ | 1,937,048 |
Nonperforming | 109 |  | 318 |  | 349 |  | 336 |  | 200 |  | 553 |  | — |  | 1,865 |
Total | $ | 731,439 |  | $ | 501,527 |  | $ | 367,141 |  | $ | 172,111 |  | $ | 72,091 |  | $ | 78,280 |  | $ | 16,324 |  | $ | 1,938,913 |
Consumer: GFSC |  |  |  |  |  |  |  |
Performing | $ | — |  | $ | — |  | $ | 81 |  | $ | 213 |  | $ | 70 |  | $ | 7 |  | $ | 61 |  | $ | 432 |
Nonperforming | — |  | — |  | — |  | 17 |  | — |  | 3 |  | — |  | 20 |
Total | $ | — |  | $ | — |  | $ | 81 |  | $ | 230 |  | $ | 70 |  | $ | 10 |  | $ | 61 |  | $ | 452 |
Consumer: Check loans |  |  |  |  |  |  |  |
Performing | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,144 |  | $ | 2,144 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,144 |  | $ | 2,144 |
Total Consumer Loans |  |  |  |  |  |  |  |
Performing | $ | 951,354 |  | $ | 761,646 |  | $ | 573,883 |  | $ | 270,592 |  | $ | 130,929 |  | $ | 391,673 |  | $ | 181,542 |  | $ | 3,261,619 |
Nonperforming | 109 |  | 318 |  | 759 |  | 920 |  | 797 |  | 18,347 |  | 168 |  | 21,418 |
Total | $ | 951,463 |  | $ | 761,964 |  | $ | 574,642 |  | $ | 271,512 |  | $ | 131,726 |  | $ | 410,020 |  | $ | 181,710 |  | $ | 3,283,037 |
December 31, 2021 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Revolving Loans Amortized Cost Basis | Total
Commercial, financial and agricultural: Overdrafts |  |  |  |  |  |
Performing | $ | 1,127 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,127 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | 1,127 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,127 |
Construction Real Estate: Retail |  |  |  |  |  |
Performing | $ | 68,374 |  | $ | 26,247 |  | $ | 5,710 |  | $ | 2,743 |  | $ | 1,505 |  | $ | 1,842 |  | $ | 79 |  | $ | 106,500 |
Nonperforming | — |  | 647 |  | 57 |  | — |  | — |  | 21 |  | — |  | 725 |
Total | $ | 68,374 |  | $ | 26,894 |  | $ | 5,767 |  | $ | 2,743 |  | $ | 1,505 |  | $ | 1,863 |  | $ | 79 |  | $ | 107,225 |
Residential Real Estate: Mortgage |  |  |  |  |  |
Performing | $ | 230,299 |  | $ | 217,022 |  | $ | 114,077 |  | $ | 68,774 |  | $ | 59,939 |  | $ | 323,678 |  | $ | — |  | $ | 1,013,789 |
Nonperforming | — |  | 626 |  | 785 |  | 824 |  | 574 |  | 17,060 |  | — |  | 19,869 |
Total | $ | 230,299 |  | $ | 217,648 |  | $ | 114,862 |  | $ | 69,598 |  | $ | 60,513 |  | $ | 340,738 |  | $ | — |  | $ | 1,033,658 |
Residential Real Estate: HELOC |  |  |  |  |  |
Performing | $ | 400 |  | $ | — |  | $ | 121 |  | $ | 58 |  | $ | 41 |  | $ | 2,640 |  | $ | 159,952 |  | $ | 163,212 |
Nonperforming | 89 |  | 40 |  | — |  | 37 |  | 90 |  | 1,811 |  | 326 |  | 2,393 |
Total | $ | 489 |  | $ | 40 |  | $ | 121 |  | $ | 95 |  | $ | 131 |  | $ | 4,451 |  | $ | 160,278 |  | $ | 165,605 |
Residential Real Estate: Installment |  |  |  |  |  |
Performing | $ | — |  | $ | 3 |  | $ | 418 |  | $ | 111 |  | $ | 1,049 |  | $ | 2,471 |  | $ | — |  | $ | 4,052 |
Nonperforming | — |  | 12 |  | 5 |  | 26 |  | 78 |  | 1,469 |  | — |  | 1,590 |
Total | $ | — |  | $ | 15 |  | $ | 423 |  | $ | 137 |  | $ | 1,127 |  | $ | 3,940 |  | $ | — |  | $ | 5,642 |
Consumer: Consumer |  |  |  |  |  |  |  |
Performing | $ | 649,638 |  | $ | 505,555 |  | $ | 259,230 |  | $ | 119,222 |  | $ | 64,699 |  | $ | 62,136 |  | $ | 22,664 |  | $ | 1,683,144 |
Nonperforming | 241 |  | 506 |  | 755 |  | 399 |  | 155 |  | 593 |  | — |  | 2,649 |
Total | $ | 649,879 |  | $ | 506,061 |  | $ | 259,985 |  | $ | 119,621 |  | $ | 64,854 |  | $ | 62,729 |  | $ | 22,664 |  | $ | 1,685,793 |
Consumer: GFSC |  |  |  |  |  |  |  |
Performing | $ | — |  | $ | 243 |  | $ | 986 |  | $ | 292 |  | $ | 63 |  | $ | 5 |  | $ | 108 |  | $ | 1,697 |
Nonperforming | — |  | 9 |  | 73 |  | 5 |  | 9 |  | — |  | — |  | 96 |
Total | $ | — |  | $ | 252 |  | $ | 1,059 |  | $ | 297 |  | $ | 72 |  | $ | 5 |  | $ | 108 |  | $ | 1,793 |
Consumer: Check loans |  |  |  |  |  |  |  |
Performing | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,093 |  | $ | 2,093 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,093 |  | $ | 2,093 |
Total Consumer Loans |  |  |  |  |  |  |  |
Performing | $ | 949,838 |  | $ | 749,070 |  | $ | 380,542 |  | $ | 191,200 |  | $ | 127,296 |  | $ | 392,772 |  | $ | 184,896 |  | $ | 2,975,614 |
Nonperforming | 330 |  | 1,840 |  | 1,675 |  | 1,291 |  | 906 |  | 20,954 |  | 326 |  | 27,322 |
Total | $ | 950,168 |  | $ | 750,910 |  | $ | 382,217 |  | $ | 192,491 |  | $ | 128,202 |  | $ | 413,726 |  | $ | 185,222 |  | $ | 3,002,936 |
Recorded Investment By Loan Grade |
TDR Number Of Contracts Modified And Recorded Investment | The following tables detail the number of contracts modified as TDRs during the three-month periods ended September 30, 2022 and 2021, as well as the amortized cost of these contracts at September 30, 2022 and 2021. The amortized cost pre-and post-modification is generally the same due to the fact that Park does not typically forgive principal.
| Three Months Ended September 30, 2022
(In thousands) | Number of Contracts |  | Accruing |  | Nonaccrual |  | Total Amortized Cost
Commercial, financial and agricultural |  |  |  |  |  |  |
Commercial, financial and agricultural | 4 |  |  | $ | 227 |  |  | $ | 511 |  |  | $ | 738 |
PPP loans | — |  |  | — |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 1 |  |  | 31 |  |  | — |  |  | 31 |
Construction real estate: |  |  |  |  |  |  |
Commercial | — |  |  | — |  |  | — |  |  | — |
Retail | — |  |  | — |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |  |
Commercial | 1 |  |  | 146 |  |  | — |  |  | 146 |
Mortgage | 3 |  |  | 545 |  |  | 120 |  |  | 665 |
HELOC | 1 |  |  | — |  |  | 10 |  |  | 10 |
Installment | 2 |  |  | — |  |  | 29 |  |  | 29 |
Consumer: |  |  |  |  |  |  |
Consumer | 21 |  |  | 3 |  |  | 169 |  |  | 172 |
GFSC | — |  |  | — |  |  | — |  |  | — |
Check loans | — |  |  | — |  |  | — |  |  | — |
Leases | 10 |  |  | — |  |  | 115 |  |  | 115 |
Total loans | 43 |  |  | $ | 952 |  |  | $ | 954 |  |  | $ | 1,906 |
| Three Months Ended September 30, 2021
(In thousands) | Number of Contracts |  | Accruing |  | Nonaccrual |  | Total Amortized Cost
Commercial, financial and agricultural |  |  |  |  |  |  |
Commercial, financial and agricultural | 5 |  |  | $ | 383 |  |  | $ | 868 |  |  | $ | 1,251 |
PPP loans | — |  |  | — |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 5 |  |  | — |  |  | 5,053 |  |  | 5,053 |
Construction real estate: |  |  |  |  |  |  |
Commercial | — |  |  | — |  |  | — |  |  | — |
Retail | — |  |  | — |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |  |
Commercial | 2 |  |  | 96 |  |  | 125 |  |  | 221 |
Mortgage | 3 |  |  | — |  |  | 102 |  |  | 102 |
HELOC | 1 |  |  | 33 |  |  | — |  |  | 33 |
Installment | 1 |  |  | 55 |  |  | — |  |  | 55 |
Consumer: |  |  |  |  |  |  |
Consumer | 28 |  |  | 15 |  |  | 250 |  |  | 265 |
GFSC | — |  |  | — |  |  | — |  |  | — |
Check loans | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |
Total loans | 45 |  |  | $ | 582 |  |  | $ | 6,398 |  |  | $ | 6,980 |
Of those loans which were modified and determined to be a TDR during the three-month period ended September 30, 2022, $0.2 million were on nonaccrual status at December 31, 2021. O f those loans which were modified and determined to be a TDR during the three-month period ended September 30, 2021, $4.5 million were on nonaccrual status at December 31, 2020. The following tables detail the number of contracts modified as TDRs during the nine-month periods ended September 30, 2022 and 2021, as well as the amortized cost of these contracts at September 30, 2022 and 2021. The amortized cost pre-and post-modification is generally the same due to the fact that Park does not typically forgive principal.
| Nine Months Ended September 30, 2022
(In thousands) | Number of Contracts |  | Accruing |  | Nonaccrual |  | Total Amortized Cost
Commercial, financial and agricultural |  |  |  |  |  |  |
Commercial, financial and agricultural | 6 |  |  | $ | 227 |  |  | $ | 511 |  |  | $ | 738 |
PPP loans | — |  |  | — |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 6 |  |  | 1,090 |  |  | 150 |  |  | 1,240 |
Construction real estate: |  |  |  |  |  |  |
Commercial | — |  |  | — |  |  | — |  |  | — |
Retail | — |  |  | — |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |  |
Commercial | 2 |  |  | 146 |  |  | 104 |  |  | 250 |
Mortgage | 11 |  |  | 870 |  |  | 222 |  |  | 1,092 |
HELOC | 3 |  |  | — |  |  | 29 |  |  | 29 |
Installment | 9 |  |  | 48 |  |  | 38 |  |  | 86 |
Consumer: |  |  |  |  |  |  |
Consumer | 62 |  |  | 13 |  |  | 315 |  |  | 328 |
GFSC | — |  |  | — |  |  | — |  |  | — |
Check loans | — |  |  | — |  |  | — |  |  | — |
Leases | 10 |  |  | — |  |  | 115 |  |  | 115 |
Total loans | 109 |  |  | $ | 2,394 |  |  | $ | 1,484 |  |  | $ | 3,878 |
| Nine Months Ended September 30, 2021
(In thousands) | Number of Contracts |  | Accruing |  | Nonaccrual |  | Total Amortized Cost
Commercial, financial and agricultural |  |  |  |  |  |  |
Commercial, financial and agricultural | 9 |  |  | $ | 383 |  |  | $ | 899 |  |  | $ | 1,282 |
PPP loans | — |  |  | — |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 13 |  |  | 1,571 |  |  | 6,137 |  |  | 7,708 |
Construction real estate: |  |  |  |  |  |  |
Commercial | 1 |  |  | 98 |  |  | — |  |  | 98 |
Retail | — |  |  | — |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |  |
Commercial | 5 |  |  | 96 |  |  | 528 |  |  | 624 |
Mortgage | 13 |  |  | 148 |  |  | 377 |  |  | 525 |
HELOC | 5 |  |  | 80 |  |  | 106 |  |  | 186 |
Installment | 7 |  |  | 93 |  |  | 27 |  |  | 120 |
Consumer: |  |  |  |  |  |  |
Consumer | 104 |  |  | 137 |  |  | 379 |  |  | 516 |
GFSC | — |  |  | — |  |  | — |  |  | — |
Check loans | — |  |  | — |  |  | — |  |  | — |
Leases | 1 |  |  | — |  |  | 351 |  |  | 351 |
Total loans | 158 |  |  | $ | 2,606 |  |  | $ | 8,804 |  |  | $ | 11,410 |
Of those loans which were modified and determined to be a TDR during the nine-month period ended September 30, 2022, $0.7 million were on nonaccrual status at December 31, 2021. Of those loans which were modified and determined to be a TDR during the nine-month period ended September 30, 2021, $6.1 million were on nonaccrual status at December 31, 2020.
Recorded Investment In Financing Receivable Modified As TDR Within 12 Months | The following table presents the amortized cost in loans which were modified as TDRs within the previous 12 months and for which there was a payment default during the three-month periods ended September 30, 2022 and 2021, respectively. For this table, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms. The additional ACL resulting from the defaults on TDR loans was immaterial.
| Three Months Ended September 30, 2022 |  |  | Three Months Ended September 30, 2021
(In thousands) | Number of Contracts |  | Amortized Cost |  |  | Number of Contracts |  | Amortized Cost
Commercial, financial and agricultural: |  |  |  |  |  |  |  |
Commercial, financial and agricultural | 1 |  |  | $ | 3 |  |  |  | — |  |  | $ | — |
PPP loans | — |  |  | — |  |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  |  | — |  |  | — |
Commercial real estate | — |  |  | — |  |  |  | — |  |  | — |
Construction real estate: |  |  |  |  |  |  |  |
Commercial | — |  |  | — |  |  |  | — |  |  | — |
Retail | — |  |  | — |  |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |  |  |
Commercial | 1 |  |  | 103 |  |  |  | — |  |  | — |
Mortgage | 2 |  |  | 110 |  |  |  | 4 |  |  | 330 |
HELOC | 2 |  |  | 9 |  |  |  | 1 |  |  | 95 |
Installment | — |  |  | — |  |  |  | 1 |  |  | 4 |
Consumer |  |  |  |  |  |  |  |
Consumer | 12 |  |  | 103 |  |  |  | 15 |  |  | 122 |
GFSC | — |  |  | — |  |  |  | — |  |  | — |
Check loans | — |  |  | — |  |  |  | — |  |  | — |
Leases | — |  |  | — |  |  |  | — |  |  | — |
Total loans | 18 |  |  | $ | 328 |  |  |  | 21 |  |  | $ | 551 |
Of the $0.3 million in modified TDRs which defaulted during the three-month period ended September 30, 2022, $6,000 were accruing loans and $0.3 million were nonaccrual loans. Of the $0.6 million in modified TDRs which defaulted during the three-month period ended September 30, 2021, $29,000 were accruing loans and $0.5 million were nonaccrual loans. The following table presents the amortized cost in loans which were modified as TDRs within the previous 12 months and for which there was a payment default during the nine-month periods ended September 30, 2022 and 2021, respectively. For this table, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms. The additional ACL resulting from the defaults on TDR loans was immaterial.
| Nine Months Ended September 30, 2022 |  |  | Nine Months Ended September 30, 2021
(In thousands) | Number of Contracts |  | Amortized Cost |  |  | Number of Contracts |  | Amortized Cost
Commercial, financial and agricultural: |  |  |  |  |  |  |  |
Commercial, financial and agricultural | 2 |  |  | $ | 57 |  |  |  | — |  |  | $ | — |
PPP loans | — |  |  | — |  |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  |  | — |  |  | — |
Commercial real estate | — |  |  | — |  |  |  | — |  |  | — |
Construction real estate: |  |  |  |  |  |  |  |
Commercial | — |  |  | — |  |  |  | — |  |  | — |
Retail | — |  |  | — |  |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |  |  |
Commercial | 1 |  |  | 103 |  |  |  | — |  |  | — |
Mortgage | 2 |  |  | 110 |  |  |  | 6 |  |  | 396 |
HELOC | 4 |  |  | 64 |  |  |  | 1 |  |  | 95 |
Installment | — |  |  | — |  |  |  | 2 |  |  | 32 |
Consumer |  |  |  |  |  |  |  |
Consumer | 18 |  |  | 144 |  |  |  | 16 |  |  | 128 |
GFSC | — |  |  | — |  |  |  | — |  |  | — |
Check loans | — |  |  | — |  |  |  | — |  |  | — |
Leases | — |  |  | — |  |  |  | 1 |  |  | 351 |
Total loans | 27 |  |  | $ | 478 |  |  |  | 26 |  |  | $ | 1,002 |
Of the $0.5 million in modified TDRs which defaulted during the nine-month period ended September 30, 2022, $10,000 were accruing loans and $0.5 million were nonaccrual loans. Of the $1.0 million in modified TDRs which defaulted during the nine-month period ended September 30, 2021, $29,000 were accruing loans and $1.0 million were nonaccrual loans.

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