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Loans (Tables) | 12 Months Ended
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Dec. 31, 2022
Loans and Leases Receivable Disclosure [Abstract] |
Schedule of composition of loan portfolio by class of loan | The composition of the loan portfolio at December 31, 2022 and December 31, 2021 was as follows:
| December 31, 2022 |  |  | December 31, 2021
(In thousands) | Amortized Cost |  |  | Amortized Cost
Commercial, financial and agricultural: (1) |  |  |  |
Commercial, financial and agricultural (1) | $ | 1,295,238 |  |  |  | $ | 1,223,079 |
PPP loans | 4,206 |  |  |  | 74,420 |
Overdrafts | 1,489 |  |  |  | 1,127 |
Commercial real estate (1) | 1,794,054 |  |  |  | 1,801,792 |
Construction real estate: |  |  |  |
Commercial | 208,982 |  |  |  | 214,561 |
Retail | 116,433 |  |  |  | 107,225 |
Residential real estate: |  |  |  |
Commercial | 550,183 |  |  |  | 533,802 |
Mortgage | 1,075,446 |  |  |  | 1,033,658 |
HELOC | 167,151 |  |  |  | 165,605 |
Installment | 4,091 |  |  |  | 5,642 |
Consumer: |  |  |  |
Consumer | 1,902,557 |  |  |  | 1,685,793 |
GFSC | 274 |  |  |  | 1,793 |
Check loans | 2,150 |  |  |  | 2,093 |
Leases | 19,637 |  |  |  | 20,532 |
Total | $ | 7,141,891 |  |  |  | $ | 6,871,122 |
Allowance for credit losses | (85,379) |  |  |  | (83,197) |
Net loans | $ | 7,056,512 |  |  |  | $ | 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.
Schedule of 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 December 31, 2022 and December 31, 2021:
|  | December 31, 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 |  | $ | 38,158 |  |  | $ | 3,261 |  |  | $ | — |  |  | $ | 41,419 |
PPP loans |  | — |  |  | — |  |  | 389 |  |  | 389 |
Overdrafts |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate |  | 24,504 |  |  | 7,919 |  |  | — |  |  | 32,423 |
Construction real estate: |  |  |  |  |  |  |  |
Commercial |  | 1,712 |  |  | — |  |  | — |  |  | 1,712 |
Retail |  | 1,254 |  |  | 12 |  |  | — |  |  | 1,266 |
Residential real estate: |  |  |  |  |  |  |  |
Commercial |  | 1,894 |  |  | 298 |  |  | — |  |  | 2,192 |
Mortgage |  | 9,260 |  |  | 6,750 |  |  | 182 |  |  | 16,192 |
HELOC |  | 1,133 |  |  | 187 |  |  | 7 |  |  | 1,327 |
Installment |  | 51 |  |  | 1,037 |  |  | — |  |  | 1,088 |
Consumer: |  |  |  |  |  |  |  |
Consumer |  | 1,012 |  |  | 670 |  |  | 703 |  |  | 2,385 |
GFSC |  | 10 |  |  | — |  |  | — |  |  | 10 |
Check loans |  | — |  |  | — |  |  | — |  |  | — |
Leases |  | 708 |  |  | — |  |  | — |  |  | 708 |
Total loans |  | $ | 79,696 |  |  | $ | 20,134 |  |  | $ | 1,281 |  |  | $ | 101,111 |
|  | 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 |
Mortgage |  | 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 December 31, 2022 and December 31, 2021:
|  | December 31, 2022
(In thousands) |  | Nonaccrual Loans With No ACL |  | Nonaccrual Loans With an ACL |  | Related ACL
Commercial, financial and agricultural: |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 28,291 |  |  | $ | 9,867 |  |  | $ | 3,440 |
PPP loans |  | — |  |  | — |  |  | — |
Overdrafts |  | — |  |  | — |  |  | — |
Commercial real estate |  | 22,965 |  |  | 1,539 |  |  | 130 |
Construction real estate: |  |  |  |  |  |
Commercial |  | 1,712 |  |  | — |  |  | — |
Retail |  | — |  |  | 1,254 |  |  | 19 |
Residential real estate: |  |  |  |  |  |
Commercial |  | 1,894 |  |  | — |  |  | — |
Mortgage |  | — |  |  | 9,260 |  |  | 85 |
HELOC |  | — |  |  | 1,133 |  |  | 191 |
Installment |  | — |  |  | 51 |  |  | 17 |
Consumer |  |  |  |  |  |
Consumer |  | — |  |  | 1,012 |  |  | 283 |
GFSC |  | — |  |  | 10 |  |  | 1 |
Check loans |  | — |  |  | — |  |  | — |
Leases |  | 680 |  |  | 28 |  |  | 9 |
Total loans |  | $ | 55,542 |  |  | $ | 24,154 |  |  | $ | 4,175 |
|  | 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 loans |  | $ | 53,977 |  |  | $ | 18,745 |  |  | $ | 2,240 |
Schedule of loans individually evaluated for impairment by class of loan | The following tables provide the amortized cost basis of collateral-dependent loans by class of loan, as of December 31, 2022 and December 31, 2021:
|  | December 31, 2022
(In thousands) |  | Real Estate |  | Business Assets |  | Other | Total
Commercial, financial and agricultural |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 8,242 |  |  | $ | 7,788 |  |  | $ | 23,125 |  | $ | 39,155 |
Commercial real estate |  | 35,908 |  |  | 28 |  |  | — |  | 35,936 |
Construction real estate: |  |  |  |  |  |  |
Commercial |  | 2,372 |  |  | — |  |  | — |  | 2,372 |
Residential real estate: |  |  |  |  |  |  |
Commercial |  | 2,479 |  |  | — |  |  | — |  | 2,479 |
Mortgage |  | 90 |  |  | — |  |  | — |  | 90 |
Leases |  | — |  |  | 708 |  |  | — |  | 708 |
Total loans |  | $ | 49,091 |  |  | $ | 8,524 |  |  | $ | 23,125 |  | $ | 80,740 |
|  | 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 years ended December 31, 2022 and 2021:
| Interest Income Recognized
(In thousands) | December 31, 2022 |  | December 31, 2021
Commercial, financial and agricultural: |  |  |
Commercial, financial and agricultural | $ | 438 |  |  | $ | 180 |
PPP loans | — |  |  | — |
Overdrafts | — |  |  | — |
Commercial real estate | 956 |  |  | 1,844 |
Construction real estate: |  |  |
Commercial | 32 |  |  | 39 |
Retail | 13 |  |  | 4 |
Residential real estate: |  |  |
Commercial | 88 |  |  | 204 |
Mortgage | 157 |  |  | 301 |
HELOC | 16 |  |  | 17 |
Installment | 3 |  |  | 2 |
Consumer: |  |  |
Consumer | 54 |  |  | 92 |
GFSC | 5 |  |  | 14 |
Check loans |  |  |
Leases | 33 |  |  | 73 |
Total loans | $ | 1,795 |  |  | $ | 2,770 |
The following table presents the average recorded investment and interest income recognized subsequent to impairment on loans individually evaluated for impairment as of and for the year ended December 31, 2020:
|  | December 31, 2020 |
(In thousands) |  | Recorded Investment |  | Average Recorded Investment |  | Interest Income Recognized |
Commercial, financial and agricultural |  | $ | 28,836 |  |  | $ | 30,280 |  |  | $ | 735 |  |
Commercial real estate |  | 70,357 |  |  | 55,279 |  |  | 1,890 |  |
Construction real estate: |  |  |  |  |  |  |
Commercial |  | 3,110 |  |  | 1,291 |  |  | 50 |  |
Residential real estate: |  |  |  |  |  |  |
Commercial |  | 4,557 |  |  | 4,329 |  |  | 204 |  |
Consumer |  | — |  |  | — |  |  | — |  |
Leases |  | 1,595 |  |  | 1,115 |  |  | — |  |
Total |  | $ | 108,455 |  |  | $ | 92,294 |  |  | $ | 2,879 |  |
Financing Receivable, Past Due | The following tables present the aging of the amortized cost in past due loans at December 31, 2022 and December 31, 2021 by class of loan:
| December 31, 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 | $ | 378 |  |  | $ | 9,246 |  |  | $ | 9,624 |  |  | $ | 1,285,614 |  |  | $ | 1,295,238 |
PPP loans | 155 |  |  | 389 |  |  | 544 |  |  | 3,662 |  |  | 4,206 |
Overdrafts | — |  |  | — |  |  | — |  |  | 1,489 |  |  | 1,489 |
Commercial real estate | 737 |  |  | 4,738 |  |  | 5,475 |  |  | 1,788,579 |  |  | 1,794,054 |
Construction real estate: |  |  |  |  |  |  |  |  |
Commercial | 751 |  |  | — |  |  | 751 |  |  | 208,231 |  |  | 208,982 |
Retail | 1,035 |  |  | 523 |  |  | 1,558 |  |  | 114,875 |  |  | 116,433 |
Residential real estate: |  |  |  |  |  |  |  |  |
Commercial | 519 |  |  | 477 |  |  | 996 |  |  | 549,187 |  |  | 550,183 |
Mortgage | 7,630 |  |  | 5,157 |  |  | 12,787 |  |  | 1,062,659 |  |  | 1,075,446 |
HELOC | 832 |  |  | 587 |  |  | 1,419 |  |  | 165,732 |  |  | 167,151 |
Installment | 57 |  |  | 4 |  |  | 61 |  |  | 4,030 |  |  | 4,091 |
Consumer: |  |  |  |  |  |  |  |  |
Consumer | 5,451 |  |  | 964 |  |  | 6,415 |  |  | 1,896,142 |  |  | 1,902,557 |
GFSC | 48 |  |  | — |  |  | 48 |  |  | 226 |  |  | 274 |
Check loans | 2 |  |  | — |  |  | 2 |  |  | 2,148 |  |  | 2,150 |
Leases | — |  |  | — |  |  | — |  |  | 19,637 |  |  | 19,637 |
Total loans | $ | 17,595 |  |  | $ | 22,085 |  |  | $ | 39,680 |  |  | $ | 7,102,211 |  |  | $ | 7,141,891 |
(1) Includes an aggregate of $1.3 million of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans. (2) Includes an aggregate of $58.9 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 |
Mortgage | 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 December 31, 2022 and December 31, 2021 were as follows:
December 31, 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 | $ | 197,497 |  | $ | 198,999 |  | $ | 142,487 |  | $ | 60,845 |  | $ | 32,887 |  | $ | 47,135 |  | $ | 546,237 |  | $ | 1,226,087 |
Special Mention | 700 |  | 313 |  | 918 |  | 315 |  | 4 |  | 35 |  | 25,536 |  | 27,821 |
Substandard | 1,101 |  | 18 |  | 2,737 |  | 226 |  | 1,836 |  | 8,424 |  | 26,464 |  | 40,806 |
Doubtful | — |  | — |  | 3 |  | 77 |  | 80 |  | 172 |  | 192 |  | 524 |
Total | $ | 199,298 |  | $ | 199,330 |  | $ | 146,145 |  | $ | 61,463 |  | $ | 34,807 |  | $ | 55,766 |  | $ | 598,429 |  | $ | 1,295,238 |
Commercial, financial and agricultural: PPP |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | — |  | $ | 1,875 |  | $ | 2,331 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 4,206 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | — |  | $ | 1,875 |  | $ | 2,331 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 4,206 |
Commercial real estate (1) |  |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 323,235 |  | $ | 374,763 |  | $ | 372,653 |  | $ | 220,072 |  | $ | 107,467 |  | $ | 305,539 |  | $ | 14,052 |  | $ | 1,717,781 |
Special Mention | 199 |  | 3,256 |  | 3,388 |  | 5,863 |  | 16,059 |  | 22,220 |  | 150 |  | 51,135 |
Substandard | 7,856 |  | 1,427 |  | 3,007 |  | 3,561 |  | 856 |  | 5,471 |  | 428 |  | 22,606 |
Doubtful | — |  | — |  | — |  | — |  | 1,941 |  | 591 |  | — |  | 2,532 |
Total | $ | 331,290 |  | $ | 379,446 |  | $ | 379,048 |  | $ | 229,496 |  | $ | 126,323 |  | $ | 333,821 |  | $ | 14,630 |  | $ | 1,794,054 |
Construction real estate: Commercial |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 107,976 |  | $ | 40,534 |  | $ | 21,556 |  | $ | 2,686 |  | $ | 1,428 |  | $ | 3,015 |  | $ | 29,183 |  | $ | 206,378 |
Special Mention | — |  | — |  | 232 |  | — |  | — |  | — |  | — |  | 232 |
Substandard | 652 |  | 800 |  | 260 |  | — |  | 660 |  | — |  | — |  | 2,372 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 108,628 |  | $ | 41,334 |  | $ | 22,048 |  | $ | 2,686 |  | $ | 2,088 |  | $ | 3,015 |  | $ | 29,183 |  | $ | 208,982 |
Residential Real Estate: Commercial |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 107,086 |  | $ | 120,303 |  | $ | 147,802 |  | $ | 56,980 |  | $ | 33,140 |  | $ | 63,499 |  | $ | 15,191 |  | $ | 544,001 |
Special Mention | — |  | 92 |  | 1,477 |  | 440 |  | — |  | 1,625 |  | — |  | 3,634 |
Substandard | 610 |  | 449 |  | 264 |  | 29 |  | 304 |  | 553 |  | 339 |  | 2,548 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 107,696 |  | $ | 120,844 |  | $ | 149,543 |  | $ | 57,449 |  | $ | 33,444 |  | $ | 65,677 |  | $ | 15,530 |  | $ | 550,183 |
Leases |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 7,629 |  | $ | 3,310 |  | $ | 3,347 |  | $ | 1,167 |  | $ | 981 |  | $ | 605 |  | $ | — |  | $ | 17,039 |
Special Mention | 1,085 |  | 614 |  | 130 |  | 60 |  | — |  | — |  | — |  | 1,889 |
Substandard | — |  | — |  | 464 |  | 111 |  | 12 |  | 26 |  | — |  | 613 |
Doubtful | — |  | — |  | — |  | 96 |  | — |  | — |  | — |  | 96 |
Total | $ | 8,714 |  | $ | 3,924 |  | $ | 3,941 |  | $ | 1,434 |  | $ | 993 |  | $ | 631 |  | $ | — |  | $ | 19,637 |
December 31, 2022 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans Amortized Cost Basis | Total
Total Commercial Loans |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 743,423 |  | $ | 739,784 |  | $ | 690,176 |  | $ | 341,750 |  | $ | 175,903 |  | $ | 419,793 |  | $ | 604,663 |  | $ | 3,715,492 |
Special Mention | 1,984 |  | 4,275 |  | 6,145 |  | 6,678 |  | 16,063 |  | 23,880 |  | 25,686 |  | 84,711 |
Substandard | 10,219 |  | 2,694 |  | 6,732 |  | 3,927 |  | 3,668 |  | 14,474 |  | 27,231 |  | 68,945 |
Doubtful | — |  | — |  | 3 |  | 173 |  | 2,021 |  | 763 |  | 192 |  | 3,152 |
Total | $ | 755,626 |  | $ | 746,753 |  | $ | 703,056 |  | $ | 352,528 |  | $ | 197,655 |  | $ | 458,910 |  | $ | 657,772 |  | $ | 3,872,300 |
(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 |
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 |
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
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. Park considers the performance of the loan portfolio and its impact on the allowance for credit losses. For residential and consumer loan classes, Park also evaluates credit quality based on the aging status of the loan, which was previously presented, and by performing status. The following tables present the amortized cost in residential and consumer loans based on performing status. Park defines a loan as nonperforming if it is on nonaccrual status, designated as an accruing TDR, or is greater than 90 days past due and accruing.
December 31, 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 | $ | 1,489 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,489 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 1,489 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,489 |
Construction Real Estate: Retail |  |  |  |  |  |
Performing | $ | 71,923 |  | $ | 26,134 |  | $ | 8,218 |  | $ | 4,619 |  | $ | 1,618 |  | $ | 2,580 |  | $ | 75 |  | $ | 115,167 |
Nonperforming | 731 |  | — |  | 523 |  | — |  | — |  | 12 |  | — |  | 1,266 |
Total | $ | 72,654 |  | $ | 26,134 |  | $ | 8,741 |  | $ | 4,619 |  | $ | 1,618 |  | $ | 2,592 |  | $ | 75 |  | $ | 116,433 |
Residential Real Estate: Mortgage |  |  |  |  |  |
Performing | $ | 207,093 |  | $ | 227,131 |  | $ | 192,904 |  | $ | 90,014 |  | $ | 55,648 |  | $ | 286,464 |  | $ | — |  | $ | 1,059,254 |
Nonperforming | — |  | — |  | 700 |  | 650 |  | 518 |  | 14,324 |  | — |  | 16,192 |
Total | $ | 207,093 |  | $ | 227,131 |  | $ | 193,604 |  | $ | 90,664 |  | $ | 56,166 |  | $ | 300,788 |  | $ | — |  | $ | 1,075,446 |
Residential Real Estate: HELOC |  |  |  |  |  |
Performing | $ | 140 |  | $ | 299 |  | $ | 23 |  | $ | 130 |  | $ | 141 |  | $ | 1,957 |  | $ | 163,134 |  | $ | 165,824 |
Nonperforming | — |  | — |  | 43 |  | 100 |  | — |  | 999 |  | 185 |  | 1,327 |
Total | $ | 140 |  | $ | 299 |  | $ | 66 |  | $ | 230 |  | $ | 141 |  | $ | 2,956 |  | $ | 163,319 |  | $ | 167,151 |
Residential Real Estate: Installment |  |  |  |  |  |
Performing | $ | 187 |  | $ | — |  | $ | 1 |  | $ | 241 |  | $ | 62 |  | $ | 2,512 |  | $ | — |  | $ | 3,003 |
Nonperforming | — |  | — |  | 7 |  | 2 |  | 16 |  | 1,063 |  | — |  | 1,088 |
Total | $ | 187 |  | $ | — |  | $ | 8 |  | $ | 243 |  | $ | 78 |  | $ | 3,575 |  | $ | — |  | $ | 4,091 |
December 31, 2022 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Revolving Loans Amortized Cost Basis | Total
Consumer: Consumer |  |  |  |  |  |  |  |
Performing | $ | 823,484 |  | $ | 462,014 |  | $ | 333,336 |  | $ | 150,237 |  | $ | 61,174 |  | $ | 65,612 |  | $ | 4,315 |  | $ | 1,900,172 |
Nonperforming | 440 |  | 489 |  | 424 |  | 355 |  | 157 |  | 520 |  | — |  | 2,385 |
Total | $ | 823,924 |  | $ | 462,503 |  | $ | 333,760 |  | $ | 150,592 |  | $ | 61,331 |  | $ | 66,132 |  | $ | 4,315 |  | $ | 1,902,557 |
Consumer: GFSC |  |  |  |  |  |  |  |
Performing | $ | — |  | $ | — |  | $ | 55 |  | $ | 111 |  | $ | 45 |  | $ | 2 |  | $ | 51 |  | $ | 264 |
Nonperforming | — |  | — |  | — |  | 10 |  | — |  | — |  | — |  | 10 |
Total | $ | — |  | $ | — |  | $ | 55 |  | $ | 121 |  | $ | 45 |  | $ | 2 |  | $ | 51 |  | $ | 274 |
Consumer: Check loans |  |  |  |  |  |  |  |
Performing | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,150 |  | $ | 2,150 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,150 |  | $ | 2,150 |
Total Consumer Loans |  |  |  |  |  |  |  |
Performing | $ | 1,104,316 |  | $ | 715,578 |  | $ | 534,537 |  | $ | 245,352 |  | $ | 118,688 |  | $ | 359,127 |  | $ | 169,725 |  | $ | 3,247,323 |
Nonperforming | 1,171 |  | 489 |  | 1,697 |  | 1,117 |  | 691 |  | 16,918 |  | 185 |  | 22,268 |
Total | $ | 1,105,487 |  | $ | 716,067 |  | $ | 536,234 |  | $ | 246,469 |  | $ | 119,379 |  | $ | 376,045 |  | $ | 169,910 |  | $ | 3,269,591 |
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 |
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
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 |
Schedule of troubled debt restructurings on financing receivables | The following tables detail the number of contracts modified as TDRs during the years ended December 31, 2022, 2021 and 2020 as well as the amortized cost/ recorded investment of these contracts at December 31, 2022, 2021, and 2020. The amortized cost/ recorded investment pre- and post-modification is generally the same due to the fact that Park does not typically forgive principal.
|  | Year ended December 31, 2022
(In thousands) |  | Number of Contracts |  | Accruing |  | Nonaccrual |  | Amortized Cost
Commercial, financial and agricultural |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | 12 |  | $ | 2,254 |  |  | $ | 3,484 |  |  | $ | 5,738 |
PPP loans |  | — |  |  | — |  |  | — |  |  | — |
Overdrafts |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate |  | 9 |  |  | 1,040 |  |  | 813 |  |  | 1,853 |
Construction real estate: |  |  |  |  |  |  |  |
Commercial |  | 1 |  |  | — |  |  | 41 |  |  | 41 |
Retail |  | 1 |  |  | — |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |  |  |
Commercial |  | 4 |  |  | 21 |  |  | 274 |  |  | 295 |
Mortgage |  | 15 |  |  | 865 |  |  | 368 |  |  | 1,233 |
HELOC |  | 3 |  |  | — |  |  | 11 |  |  | 11 |
Installment |  | 12 |  |  | 141 |  |  | 27 |  |  | 168 |
Consumer: |  |  |  |  |  |  |  |
Consumer |  | 89 |  |  | 196 |  |  | 359 |  |  | 555 |
GFSC |  | — |  |  | — |  |  | — |  |  | — |
Check loans |  | — |  |  | — |  |  | — |  |  | — |
Leases |  | 10 |  |  | — |  |  | 101 |  |  | 101 |
Total loans |  | 156 |  | $ | 4,517 |  |  | $ | 5,478 |  |  | $ | 9,995 |
|  | Year ended December 31, 2021
(In thousands) |  | Number of Contracts |  | Accruing |  | Nonaccrual |  | Amortized Cost
Commercial, financial and agricultural |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | 10 |  |  | $ | 1,356 |  |  | $ | 169 |  |  | $ | 1,525 |
PPP loans |  | — |  | — |  |  | — |  |  | — |
Overdrafts |  | — |  | — |  |  | — |  |  | — |
Commercial real estate |  | 15 |  | 2,002 |  |  | 6,747 |  |  | 8,749 |
Construction real estate: |  |  |  |  |  |  |  |
Commercial |  | 1 |  |  | — |  |  | — |  |  | — |
Retail |  | 2 |  |  | — |  |  | 705 |  |  | 705 |
Residential real estate: |  |  |  |  |  |  |  |
Commercial |  | 5 |  | 95 |  |  | 574 |  |  | 669 |
Mortgage |  | 14 |  | 146 |  |  | 396 |  |  | 542 |
HELOC |  | 8 |  | 211 |  |  | 105 |  |  | 316 |
Installment |  | 8 |  | 120 |  |  | — |  |  | 120 |
Consumer: |  |  |  |  |  |  |  |
Consumer |  | 131 |  | 116 |  |  | 417 |  |  | 533 |
GFSC |  | — |  | — |  |  | — |  |  | — |
Check loans |  | — |  | — |  |  | — |  |  | — |
Leases |  | 1 |  | — |  |  | 325 |  |  | 325 |
Total loans |  | 195 |  | $ | 4,046 |  |  | $ | 9,438 |  |  | $ | 13,484 |
|  | Year ended December 31, 2020
(In thousands) |  | Number of Contracts |  | Accruing |  | Nonaccrual |  | Recorded Investment
Commercial, financial and agricultural |  | 12 |  | $ | 107 |  |  | $ | 3,706 |  |  | $ | 3,813 |
Commercial real estate |  | 9 |  | — |  |  | 3,235 |  |  | 3,235 |
Construction real estate: |  |  |  |  |  |  |  |
Commercial |  | — |  | — |  |  | — |  |  | — |
Mortgage |  | 1 |  |  | 26 |  |  | — |  |  | 26 |
Installment |  | 1 |  |  | — |  |  | 14 |  |  | 14 |
Residential real estate: |  |  |  |  |  |  |  |
Commercial |  | 3 |  | 153 |  |  | 3 |  |  | 156 |
Mortgage |  | 27 |  | 888 |  |  | 1,068 |  |  | 1,956 |
HELOC |  | 7 |  | 14 |  |  | 52 |  |  | 66 |
Installment |  | 18 |  | 163 |  |  | 65 |  |  | 228 |
Consumer |  | 214 |  | 218 |  |  | 634 |  |  | 852 |
Total loans |  | 292 |  | $ | 1,569 |  |  | $ | 8,777 |  |  | $ | 10,346 |
Schedule Of Financing Receivable, Loans Modified As T D R Within Previous Twelve Months That Subsequently Defaulted [Table text Block] | The following table presents the amortized cost/ recorded investment in financing receivables which were modified as TDRs within the previous 12 months and for which there was a payment default during the year ended December 31, 2022, December 31, 2021, and December 31, 2020. 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 allowance for credit loss resulting from the defaults on TDR loans was immaterial.
|  | Year ended December 31, 2022 |  | Year ended December 31, 2021 |  | Year ended December 31, 2020
(In thousands) |  | Number of Contracts |  | Amortized Cost |  | Number of Contracts |  | Amortized Cost |  | Number of Contracts |  | Recorded Investment
Commercial, financial and agricultural: |  |  |  |  |  |  |  |  |  | 4 |  |  | $ | 2,776 |
Commercial, financial and agricultural |  | 5 |  |  | $ | 2,091 |  |  | — |  |  | $ | — |  |  | (1) |  | (1)
PPP loans |  | — |  |  | — |  |  | — |  |  | — |  |  | (1) |  | (1)
Overdrafts |  | — |  |  | — |  |  | — |  |  | — |  |  | (1) |  | (1)
Commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 223 |
Construction real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Retail |  | — |  |  | — |  |  | 1 |  |  | 648 |  |  | 1 |  |  | 14 |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | 1 |  |  | 93 |  |  | — |  |  | — |  |  | 1 |  |  | 3 |
Mortgage |  | 4 |  |  | 154 |  |  | 4 |  |  | 280 |  |  | 11 |  |  | 993 |
HELOC |  | 1 |  |  | 10 |  |  | 2 |  |  | 135 |  |  | — |  |  | — |
Installment |  | — |  |  | — |  |  | 1 |  |  | 27 |  |  | 3 |  |  | 32 |
Consumer |  |  |  |  |  |  |  |  |  | 34 |  |  | 360 |
Consumer |  | 19 |  |  | 174 |  |  | 14 |  |  | 169 |  |  | (1) |  | (1)
GFSC |  | — |  |  | — |  |  | — |  |  | — |  |  | (1) |  | (1)
Check loans |  | — |  |  | — |  |  | — |  |  | — |  |  | (1) |  | (1)
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total loans |  | 30 |  |  | $ | 2,522 |  |  | 22 |  |  | $ | 1,259 |  |  | 55 |  |  | $ | 4,401 |
(1) Results for reporting periods beginning after January 1, 2021 are presented under ASC 326, while prior period amounts continue to be reported in accordance with previously applicable U.S. GAAP. Category was not broken out as a separate class at December 31, 2020.

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