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Loans (Tables) | 6 Months Ended
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Jun. 30, 2023
Loans and Leases Receivable Disclosure [Line Items] |
Composition Of Loan Portfolio By Class Of Loan | The composition of the loan portfolio at June 30, 2023 and at December 31, 2022 was as follows:
| June 30, 2023 |  |  | December 31, 2022
(In thousands) | Amortized Cost |  |  | Amortized Cost
Commercial, financial and agricultural: (1) |  |  |  |
Commercial, financial and agricultural (1) | $ | 1,282,329 |  |  |  | $ | 1,295,238 |
PPP loans | 3,078 |  |  |  | 4,206 |
Overdrafts | 1,596 |  |  |  | 1,489 |
Commercial real estate (1) | 1,799,440 |  |  |  | 1,794,054 |
Construction real estate: |  |  |  |
Commercial | 160,344 |  |  |  | 208,982 |
Retail | 114,362 |  |  |  | 116,433 |
Residential real estate: |  |  |  |
Commercial | 580,445 |  |  |  | 550,183 |
Mortgage | 1,133,676 |  |  |  | 1,075,446 |
HELOC | 167,940 |  |  |  | 167,151 |
Installment | 4,262 |  |  |  | 4,091 |
Consumer: |  |  |  |
Consumer | 1,940,148 |  |  |  | 1,902,557 |
GFSC | 65 |  |  |  | 274 |
Check loans | 2,044 |  |  |  | 2,150 |
Leases | 18,380 |  |  |  | 19,637 |
Total | $ | 7,208,109 |  |  |  | $ | 7,141,891 |
Allowance for credit losses | (87,206) |  |  |  | (85,379) |
Net loans | $ | 7,120,903 |  |  |  | $ | 7,056,512 |
(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 table presents the amortized cost of nonaccrual loans and loans past due 90 days or more and still accruing, by class of loan, at June 30, 2023.
|  | June 30, 2023
(In thousands) |  | Nonaccrual Loans |  |  | Loans Past Due 90 Days or More and Accruing |  | Total Nonperforming Loans
Commercial, financial and agricultural: |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 22,553 |  |  |  | $ | — |  |  | $ | 22,553 |
PPP loans |  | — |  |  |  | — |  |  | — |
Overdrafts |  | — |  |  |  | — |  |  | — |
Commercial real estate |  | 17,651 |  |  |  | — |  |  | 17,651 |
Construction real estate: |  |  |  |  |  |  |
Commercial |  | 987 |  |  |  | — |  |  | 987 |
Retail |  | — |  |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |  |
Commercial |  | 2,331 |  |  |  | — |  |  | 2,331 |
Mortgage |  | 10,588 |  |  |  | 550 |  |  | 11,138 |
HELOC |  | 1,031 |  |  |  | — |  |  | 1,031 |
Installment |  | 37 |  |  |  | — |  |  | 37 |
Consumer: |  |  |  |  |  |  |
Consumer |  | 1,609 |  |  |  | 400 |  |  | 2,009 |
GFSC |  | 6 |  |  |  | — |  |  | 6 |
Check loans |  | — |  |  |  | — |  |  | — |
Leases |  | 486 |  |  |  | — |  |  | 486 |
Total loans |  | $ | 57,279 |  |  |  | $ | 950 |  |  | $ | 58,229 |
The following table presents 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:
|  | 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 |
Financing Receivable, Nonaccrual | The following tables provide additional detail on nonaccrual loans and the related ACL, by class of loan, at June 30, 2023 and December 31, 2022:
|  | June 30, 2023
(In thousands) |  | Nonaccrual Loans With No ACL |  | Nonaccrual Loans With an ACL |  | Related ACL
Commercial, financial and agricultural: |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 11,635 |  |  | $ | 10,918 |  |  | $ | 3,911 |
PPP loans |  | — |  |  | — |  |  | — |
Overdrafts |  | — |  |  | — |  |  | — |
Commercial real estate |  | 16,354 |  |  | 1,297 |  |  | 233 |
Construction real estate: |  |  |  |  |  |
Commercial |  | 987 |  |  | — |  |  | — |
Retail |  | — |  |  | — |  |  | — |
Residential real estate: |  |  |  |  |  |
Commercial |  | 2,331 |  |  | — |  |  | — |
Mortgage |  | — |  |  | 10,588 |  |  | 102 |
HELOC |  | — |  |  | 1,031 |  |  | 122 |
Installment |  | — |  |  | 37 |  |  | 18 |
Consumer |  |  |  |  |  |
Consumer |  | — |  |  | 1,609 |  |  | 403 |
GFSC |  | — |  |  | 6 |  |  | 1 |
Check loans |  | — |  |  | — |  |  | — |
Leases |  | 486 |  |  | — |  |  | — |
Total loans |  | $ | 31,793 |  |  | $ | 25,486 |  |  | $ | 4,790 |
|  | 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 |  | $ | 55,542 |  |  | $ | 24,154 |  |  | $ | 4,175 |
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 June 30, 2023 and December 31, 2022:
|  | June 30, 2023
(In thousands) |  | Real Estate |  | Business Assets |  | Other | Total
Commercial, financial and agricultural |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 8,120 |  |  | $ | 6,631 |  |  | $ | 7,775 |  | $ | 22,526 |
Commercial real estate |  | 20,877 |  |  | 145 |  |  | — |  | 21,022 |
Construction real estate: |  |  |  |  |  |  |
Commercial |  | 1,629 |  |  | — |  |  | — |  | 1,629 |
Residential real estate: |  |  |  |  |  |  |
Commercial |  | 2,597 |  |  | — |  |  | — |  | 2,597 |
Mortgage |  | 82 |  |  | — |  |  | — |  | 82 |
Leases |  | — |  |  | 486 |  |  | — |  | 486 |
Total loans |  | $ | 33,305 |  |  | $ | 7,262 |  |  | $ | 7,775 |  | $ | 48,342 |
|  | 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 |
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 six-month periods ended June 30, 2023 and 2022:
|  | Interest Income Recognized
(In thousands) |  | Three Months Ended June 30, 2023 |  | Three Months Ended June 30, 2022 |  | Six Months Ended June 30, 2023 |  | Six Months Ended June 30, 2022
Commercial, financial and agricultural: |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | 722 |  |  | $ | 13 |  |  | $ | 1,327 |  |  | $ | 30 |
PPP loans |  | — |  |  | — |  |  | — |  |  | — |
Overdrafts |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate |  | 200 |  |  | 257 |  |  | 360 |  |  | 514 |
Construction real estate: |  |  |  |  |  |  |  |
Commercial |  | 22 |  |  | 3 |  |  | 54 |  |  | 4 |
Retail |  | — |  |  | — |  |  | — |  |  | 4 |
Residential real estate: |  |  |  |  |  |  |  |
Commercial |  | 37 |  |  | 20 |  |  | 63 |  |  | 40 |
Mortgage |  | 53 |  |  | 36 |  |  | 102 |  |  | 69 |
HELOC |  | 7 |  |  | 2 |  |  | 15 |  |  | 6 |
Installment |  | 1 |  |  | — |  |  | 2 |  |  | 2 |
Consumer: |  |  |  |  |  |  |  |
Consumer |  | 21 |  |  | 14 |  |  | 40 |  |  | 28 |
GFSC |  | — |  |  | 1 |  |  | — |  |  | 3 |
Check loans |  | — |  |  | — |  |  | — |  |  | — |
Leases |  | — |  |  | 10 |  |  | — |  |  | 24
Total loans |  | $ | 1,063 |  |  | $ | 356 |  |  | $ | 1,963 |  |  | $ | 724 |
Financing Receivable, Past Due | The following tables present the aging of the amortized cost in past due loans at June 30, 2023 and December 31, 2022 by class of loan:
| June 30, 2023
(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 | $ | 2,780 |  |  | $ | 12,569 |  |  | $ | 15,349 |  |  | $ | 1,266,980 |  |  | $ | 1,282,329 |
PPP loans | 132 |  |  | — |  |  | 132 |  |  | 2,946 |  |  | 3,078 |
Overdrafts | — |  |  | — |  |  | — |  |  | 1,596 |  |  | 1,596 |
Commercial real estate | 1,330 |  |  | 1,805 |  |  | 3,135 |  |  | 1,796,305 |  |  | 1,799,440 |
Construction real estate: |  |  |  |  |  |  |  |  |
Commercial | 549 |  |  | — |  |  | 549 |  |  | 159,795 |  |  | 160,344 |
Retail | 724 |  |  | — |  |  | 724 |  |  | 113,638 |  |  | 114,362 |
Residential real estate: |  |  |  |  |  |  |  |  |
Commercial | — |  |  | 369 |  |  | 369 |  |  | 580,076 |  |  | 580,445 |
Mortgage | 5,872 |  |  | 5,645 |  |  | 11,517 |  |  | 1,122,159 |  |  | 1,133,676 |
HELOC | 1,008 |  |  | 682 |  |  | 1,690 |  |  | 166,250 |  |  | 167,940 |
Installment | 19 |  |  | 1 |  |  | 20 |  |  | 4,242 |  |  | 4,262 |
Consumer: |  |  |  |  |  |  |  |  |
Consumer | 5,286 |  |  | 535 |  |  | 5,821 |  |  | 1,934,327 |  |  | 1,940,148 |
GFSC | 13 |  |  | 5 |  |  | 18 |  |  | 47 |  |  | 65 |
Check loans | 4 |  |  | — |  |  | 4 |  |  | 2,040 |  |  | 2,044 |
Leases | 24 |  |  | — |  |  | 24 |  |  | 18,356 |  |  | 18,380 |
Total loans | $ | 17,741 |  |  | $ | 21,611 |  |  | $ | 39,352 |  |  | $ | 7,168,757 |  |  | $ | 7,208,109 |
(1) Includes an aggregate of $1.0 million of loans past due 90 days or more and accruing. The remaining loans were past due nonaccrual loans. (2) Includes an aggregate of $36.6 million of nonaccrual loans which were current in regards to contractual principal and interest payments.
| 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.
Financing Receivable Credit Quality Indicators | Based on the most recent analysis performed, the risk category of commercial loans by class of loans as of June 30, 2023 and as of December 31, 2022 were as follows:
June 30, 2023 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total
Commercial, financial and agricultural: Commercial, financial and agricultural (1) |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 85,021 |  | $ | 176,716 |  | $ | 178,204 |  | $ | 125,837 |  | $ | 49,993 |  | $ | 66,187 |  | $ | 543,596 |  | $ | 1,225,554 |
Special Mention | 109 |  | 737 |  | 305 |  | 314 |  | 191 |  | 80 |  | 30,689 |  | 32,425 |
Substandard | 107 |  | 248 |  | 203 |  | 2,261 |  | 145 |  | 3,372 |  | 8,254 |  | 14,590 |
Doubtful | 229 |  | 731 |  | — |  | 418 |  | 127 |  | 8,187 |  | 68 |  | 9,760 |
Total | $ | 85,466 |  | $ | 178,432 |  | $ | 178,712 |  | $ | 128,830 |  | $ | 50,456 |  | $ | 77,826 |  | $ | 582,607 |  | $ | 1,282,329 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 51 |  | $ | — |  | $ | 51 |
Commercial, financial and agricultural: PPP |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | — |  | $ | — |  | $ | 1,223 |  | $ | 1,855 |  | $ | — |  | $ | — |  | $ | — |  | $ | 3,078 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | — |  | $ | — |  | $ | 1,223 |  | $ | 1,855 |  | $ | — |  | $ | — |  | $ | — |  | $ | 3,078 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Commercial real estate (1) |  |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 128,701 |  | $ | 312,673 |  | $ | 348,940 |  | $ | 336,994 |  | $ | 213,873 |  | $ | 362,880 |  | $ | 12,965 |  | $ | 1,717,026 |
Special Mention | — |  | 17,051 |  | 5,472 |  | 5,530 |  | 516 |  | 34,558 |  | 1,636 |  | 64,763 |
Substandard | — |  | 895 |  | 3,014 |  | 3,175 |  | 2,595 |  | 6,282 |  | 1,181 |  | 17,142 |
Doubtful | — |  | — |  | — |  | — |  | 122 |  | 387 |  | — |  | 509 |
Total | $ | 128,701 |  | $ | 330,619 |  | $ | 357,426 |  | $ | 345,699 |  | $ | 217,106 |  | $ | 404,107 |  | $ | 15,782 |  | $ | 1,799,440 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 530 |  | $ | — |  | $ | 530 |
Construction real estate: Commercial |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 45,776 |  | $ | 74,790 |  | $ | 8,899 |  | $ | 18,470 |  | $ | 1,992 |  | $ | 3,075 |  | $ | 5,486 |  | $ | 158,488 |
Special Mention | — |  | — |  | — |  | 226 |  | — |  | — |  | — |  | 226 |
Substandard | 621 |  | 275 |  | 91 |  | — |  | — |  | 643 |  | — |  | 1,630 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 46,397 |  | $ | 75,065 |  | $ | 8,990 |  | $ | 18,696 |  | $ | 1,992 |  | $ | 3,718 |  | $ | 5,486 |  | $ | 160,344 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
June 30, 2023 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total
Residential Real Estate: Commercial |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 59,812 |  | $ | 112,416 |  | $ | 112,594 |  | $ | 131,522 |  | $ | 53,112 |  | $ | 85,264 |  | $ | 19,744 |  | $ | 574,464 |
Special Mention | — |  | 340 |  | 467 |  | 1,358 |  | 419 |  | 822 |  | — |  | 3,406 |
Substandard | 54 |  | 586 |  | 340 |  | 258 |  | 34 |  | 964 |  | 339 |  | 2,575 |
Doubtful | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 59,866 |  | $ | 113,342 |  | $ | 113,401 |  | $ | 133,138 |  | $ | 53,565 |  | $ | 87,050 |  | $ | 20,083 |  | $ | 580,445 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Leases |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 2,785 |  | $ | 6,216 |  | $ | 2,693 |  | $ | 2,513 |  | $ | 641 |  | $ | 1,129 |  | $ | — |  | $ | 15,977 |
Special Mention | 596 |  | 789 |  | 475 |  | 40 |  | 16 |  | 1 |  | — |  | 1,917 |
Substandard | — |  | — |  | — |  | 302 |  | 142 |  | 20 |  | — |  | 464 |
Doubtful | — |  | — |  | — |  | — |  | 22 |  | — |  | — |  | 22 |
Total | $ | 3,381 |  | $ | 7,005 |  | $ | 3,168 |  | $ | 2,855 |  | $ | 821 |  | $ | 1,150 |  | $ | — |  | $ | 18,380 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Total Commercial Loans |  |  |  |  |  |
Risk rating |  |  |  |  |  |  |  |
Pass | $ | 322,095 |  | $ | 682,811 |  | $ | 652,553 |  | $ | 617,191 |  | $ | 319,611 |  | $ | 518,535 |  | $ | 581,791 |  | $ | 3,694,587 |
Special Mention | 705 |  | 18,917 |  | 6,719 |  | 7,468 |  | 1,142 |  | 35,461 |  | 32,325 |  | 102,737 |
Substandard | 782 |  | 2,004 |  | 3,648 |  | 5,996 |  | 2,916 |  | 11,281 |  | 9,774 |  | 36,401 |
Doubtful | 229 |  | 731 |  | — |  | 418 |  | 271 |  | 8,574 |  | 68 |  | 10,291 |
Total | $ | 323,811 |  | $ | 704,463 |  | $ | 662,920 |  | $ | 631,073 |  | $ | 323,940 |  | $ | 573,851 |  | $ | 623,958 |  | $ | 3,844,016 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 581 |  | $ | — |  | $ | 581 |
(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, 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 |
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
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 |
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.
June 30, 2023 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total
Commercial, financial and agricultural: Overdrafts |  |  |  |  |  |
Performing | $ | 1,596 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,596 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 1,596 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 1,596 |
Current period gross charge-offs | $ | 486 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 486 |
Construction Real Estate: Retail |  |  |  |  |  |
Performing | $ | 16,380 |  | $ | 72,444 |  | $ | 13,107 |  | $ | 4,818 |  | $ | 4,029 |  | $ | 3,273 |  | $ | 311 |  | $ | 114,362 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 16,380 |  | $ | 72,444 |  | $ | 13,107 |  | $ | 4,818 |  | $ | 4,029 |  | $ | 3,273 |  | $ | 311 |  | $ | 114,362 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
June 30, 2023 | Term Loans Amortized Cost Basis by Origination Year |  |
(In thousands) | 2023 | 2022 | 2021 | 2020 | 2019 | Prior | Revolving Loans Amortized Cost Basis | Total
Residential Real Estate: Mortgage |  |  |  |  |  |
Performing | $ | 84,568 |  | $ | 219,933 |  | $ | 227,477 |  | $ | 185,093 |  | $ | 86,061 |  | $ | 319,406 |  | $ | — |  | $ | 1,122,538 |
Nonperforming | — |  | 800 |  | 594 |  | 779 |  | 547 |  | 8,418 |  | — |  | 11,138 |
Total | $ | 84,568 |  | $ | 220,733 |  | $ | 228,071 |  | $ | 185,872 |  | $ | 86,608 |  | $ | 327,824 |  | $ | — |  | $ | 1,133,676 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 35 |  | $ | — |  | $ | 35 |
Residential Real Estate: HELOC |  |  |  |  |  |
Performing | $ | 12 |  | $ | 140 |  | $ | 299 |  | $ | 105 |  | $ | 179 |  | $ | 1,964 |  | $ | 164,210 |  | $ | 166,909 |
Nonperforming | — |  | — |  | — |  | — |  | 99 |  | 684 |  | 248 |  | 1,031 |
Total | $ | 12 |  | $ | 140 |  | $ | 299 |  | $ | 105 |  | $ | 278 |  | $ | 2,648 |  | $ | 164,458 |  | $ | 167,940 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 8 |  | $ | — |  | $ | 8 |
Residential Real Estate: Installment |  |  |  |  |  |
Performing | $ | 674 |  | $ | 174 |  | $ | — |  | $ | 5 |  | $ | 185 |  | $ | 3,187 |  | $ | — |  | $ | 4,225 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | 37 |  | — |  | 37 |
Total | $ | 674 |  | $ | 174 |  | $ | — |  | $ | 5 |  | $ | 185 |  | $ | 3,224 |  | $ | — |  | $ | 4,262 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Consumer: Consumer |  |  |  |  |  |  |  |
Performing | $ | 341,371 |  | $ | 716,915 |  | $ | 384,552 |  | $ | 267,877 |  | $ | 111,626 |  | $ | 98,446 |  | $ | 17,352 |  | $ | 1,938,139 |
Nonperforming | — |  | 426 |  | 500 |  | 354 |  | 285 |  | 444 |  | — |  | 2,009 |
Total | $ | 341,371 |  | $ | 717,341 |  | $ | 385,052 |  | $ | 268,231 |  | $ | 111,911 |  | $ | 98,890 |  | $ | 17,352 |  | $ | 1,940,148 |
Current period gross charge-offs | $ | 55 |  | $ | 1,449 |  | $ | 1,192 |  | $ | 466 |  | $ | 345 |  | $ | 280 |  | $ | — |  | $ | 3,787 |
Consumer: GFSC |  |  |  |  |  |  |  |
Performing | $ | — |  | $ | — |  | $ | — |  | $ | 23 |  | $ | 2 |  | $ | 6 |  | $ | 28 |  | $ | 59 |
Nonperforming | — |  | — |  | — |  | — |  | 6 |  | — |  | — |  | 6 |
Total | $ | — |  | $ | — |  | $ | — |  | $ | 23 |  | $ | 8 |  | $ | 6 |  | $ | 28 |  | $ | 65 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2 |  | $ | — |  | $ | 1 |  | $ | 3 |
Consumer: Check loans |  |  |  |  |  |  |  |
Performing | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,044 |  | $ | 2,044 |
Nonperforming | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,044 |  | $ | 2,044 |
Current period gross charge-offs | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 20 |  | $ | 20 |
Total Consumer Loans |  |  |  |  |  |  |  |
Performing | $ | 444,601 |  | $ | 1,009,606 |  | $ | 625,435 |  | $ | 457,921 |  | $ | 202,082 |  | $ | 426,282 |  | $ | 183,945 |  | $ | 3,349,872 |
Nonperforming | — |  | 1,226 |  | 1,094 |  | 1,133 |  | 937 |  | 9,583 |  | 248 |  | 14,221 |
Total | $ | 444,601 |  | $ | 1,010,832 |  | $ | 626,529 |  | $ | 459,054 |  | $ | 203,019 |  | $ | 435,865 |  | $ | 184,193 |  | $ | 3,364,093 |
Current period gross charge-offs | $ | 541 |  | $ | 1,449 |  | $ | 1,192 |  | $ | 466 |  | $ | 347 |  | $ | 323 |  | $ | 21 |  | $ | 4,339 |
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 |
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 |
TDR Number Of Contracts Modified And Recorded Investment | The following tables present the amortized cost basis of loans at June 30, 2023 that were both experiencing financial difficulty and modified during the three months and the six months ended June 30, 2023 by class of and by type of modification. The percentage of the amortized cost basis of loans that were modified to borrowers in financial difficulty as compared to the amortized cost basis of each class of financing receivable is also presented below.
|  | Three Months Ended June 30, 2023
(Dollars in thousands) |  | Principal Forgiveness |  | Payment Delay |  | Term Extension |  | Interest Rate Adjustment |  | Combination Term Extension and Interest Rate Adjustment |  | Other |  | Total |  | Percent of Total Class of Financing Receivable
Commercial, financial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | — |  |  | $ | — |  |  | $ | 147 |  |  | $ | — |  |  | $ | 10,223 |  |  | $ | 12 |  |  | $ | 10,382 |  |  | 0.81 | %
PPP loans |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Overdrafts |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Commercial real estate |  | — |  |  | — |  |  | 836 |  |  | — |  |  | — |  |  | — |  |  | 836 |  |  | 0.05 | %
Construction real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | — |  |  | — |  |  | 366 |  |  | — |  |  | — |  |  | — |  |  | 366 |  |  | 0.23 | %
Retail |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Mortgage |  | — |  |  | — |  |  | — |  |  | — |  |  | 135 |  |  | — |  |  | 135 |  |  | 0.01 | %
HELOC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Installment |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 16 |  |  | — |  |  | 20 |  |  | 0.47 | %
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  | — |  |  | — |  |  | — |  |  | 8 |  |  | — |  |  | — |  |  | 8 |  |  | — | %
GFSC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Check loans |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Total |  | $ | — |  |  | $ | — |  |  | $ | 1,353 |  |  | $ | 8 |  |  | $ | 10,374 |  |  | $ | 12 |  |  | $ | 11,747 |  |  | 0.16 | %
|  | Six Months Ended June 30, 2023
(Dollars in thousands) |  | Principal Forgiveness |  | Payment Delay |  | Term Extension |  | Interest Rate Adjustment |  | Combination Term Extension and Interest Rate Adjustment |  | Other |  | Total |  | Percent of Total Class of Financing Receivable
Commercial, financial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | — |  |  | $ | — |  |  | $ | 1,189 |  |  | $ | — |  |  | $ | 10,223 |  |  | $ | 12 |  |  | $ | 11,424 |  |  | 0.89 | %
PPP loans |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Overdrafts |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Commercial real estate |  | — |  |  | — |  |  | 836 |  |  | — |  |  | — |  |  | — |  |  | 836 |  |  | 0.05 | %
Construction real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | — |  |  | — |  |  | 366 |  |  | — |  |  | — |  |  | — |  |  | 366 |  |  | 0.23 | %
Retail |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | — |  |  | — |  |  | 150 |  |  | — |  |  | 12 |  |  | — |  |  | 162 |  |  | 0.03 | %
Mortgage |  | — |  |  | — |  |  | — |  |  | — |  |  | 135 |  |  | — |  |  | 135 |  |  | 0.01 | %
HELOC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Installment |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 79 |  |  | — |  |  | 83 |  |  | 1.95 | %
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer |  | — |  |  | — |  |  | — |  |  | 22 |  |  | — |  |  | — |  |  | 22 |  |  | — | %
GFSC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Check loans |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Leases |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — | %
Total |  | $ | — |  |  | $ | — |  |  | $ | 2,545 |  |  | $ | 22 |  |  | $ | 10,449 |  |  | $ | 12 |  |  | $ | 13,028 |  |  | 0.18 | %
Park has committed to lend additional amounts totaling $1.7 million to the borrowers included in the previous two tables as of June 30, 2023. The following table presents the financial effect of the loan modifications presented above to borrowers experiencing financial difficulty for the three months and the six months ended June 30, 2023:
|  | Three Months Ended June 30, 2023
(Dollars in thousands) |  | Principal Forgiveness |  | Weighted Average Interest Rate Adjustment |  | Weighted Average Term Extension (years)
Commercial, financial and agricultural: |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | — |  |  | 0.82 | % |  | 0.6
PPP loans |  | — |  |  | — | % |  | 0.0
Overdrafts |  | — |  |  | — | % |  | 0.0
Commercial real estate |  | — |  |  | — | % |  | 3.6
Construction real estate: |  |  |  |  |  |
Commercial |  | — |  |  | — | % |  | 1.0
Retail |  | — |  |  | — | % |  | 0.0
Residential real estate: |  |  |  |  |  |
Commercial |  | — |  |  | — | % |  | 0.0
Mortgage |  | — |  |  | (1.88) | % |  | 0.4
HELOC |  | — |  |  | — | % |  | 0.0
Installment |  | — |  |  | (4.13) | % |  | 10.0
Consumer: |  |  |  |  |  |
Consumer |  | — |  |  | (0.69) | % |  | 0.0
GFSC |  | — |  |  | — | % |  | 0.0
Check loans |  | — |  |  | — | % |  | 0.0
Leases |  | — |  |  | — | % |  | 0.0
Total |  | $ | — |  |  | 0.77 | % |  | 0.8
|  | Six Months Ended June 30, 2023
(Dollars in thousands) |  | Principal Forgiveness |  | Weighted Average Interest Rate Adjustment |  | Weighted Average Term Extension (years)
Commercial, financial and agricultural: |  |  |  |  |  |
Commercial, financial and agricultural |  | $ | — |  |  | 0.82 | % |  | 0.6
PPP loans |  | — |  |  | — | % |  | 0.0
Overdrafts |  | — |  |  | — | % |  | 0.0
Commercial real estate |  | — |  |  | — | % |  | 3.6
Construction real estate: |  |  |  |  |  |
Commercial |  | — |  |  | — | % |  | 1.0
Retail |  | — |  |  | — | % |  | 0.0
Residential real estate: |  |  |  |  |  |
Commercial |  | — |  |  | 1.43 | % |  | 0.4
Mortgage |  | — |  |  | (1.88) | % |  | 0.4
HELOC |  | — |  |  | — | % |  | 0.0
Installment |  | — |  |  | (1.72) | % |  | 10.0
Consumer: |  |  |  |  |  |
Consumer |  | — |  |  | (2.92) | % |  | 0.0
GFSC |  | — |  |  | — | % |  | 0.0
Check loans |  | — |  |  | — | % |  | 0.0
Leases |  | — |  |  | — | % |  | 0.0
Total |  | $ | — |  |  | 0.75 | % |  | 0.9
Park closely monitors the performance of loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of Park's modification efforts. There were no loans modified to borrowers experiencing financial difficulty that had been modified during the three months ended June 30, 2023 that were greater than 30 days past due as of June 30, 2023. There were $150,000 of loans modified to borrowers experiencing financial difficulty that had been modified during the six months ended June 30, 2023 that were 30-59 days past due as of June 30, 2023 in the Residential Real Estate: Commercial segment. The following table presents the amortized cost basis of loans that had a payment default during the three months ended June 30, 2023 and were modified in the six months prior to that default to borrowers experiencing financial difficulty. For this table, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms:
| Three Months Ended June 30, 2023
(In thousands) | Term Extension |  | Interest Rate Adjustment |  | Combination Term Extension and Interest Rate Adjustment |  | Other
Commercial, financial and agricultural: |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
PPP loans | — |  |  | — |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |
Construction real estate: |  |  |  |  |  |  |
Commercial | — |  |  | — |  |  | — |  |  | — |
Retail | — |  |  | — |  |  | — |  |  | — |
Residential real estate: |  |  | — |  |  | — |  |  | — |
Commercial | 150 |  |  | — |  |  | — |  |  | — |
Mortgage | — |  |  | — |  |  | 135 |  |  | — |
HELOC | — |  |  | — |  |  | — |  |  | — |
Installment | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |
Consumer | — |  |  | 8 |  |  | — |  |  | — |
GFSC | — |  |  | — |  |  | — |  |  | — |
Check loans | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |
Total loans | $ | 150 |  |  | $ | 8 |  |  | $ | 135 |  |  | $ | — |
The following table presents the amortized cost basis of loans that had a payment default during the six months ended June 30, 2023 and were modified in the six months prior to that default to borrowers experiencing financial difficulty. For this table, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms:
| Six Months Ended June 30, 2023
(In thousands) | Term Extension |  | Interest Rate Adjustment |  | Combination Term Extension and Interest Rate Adjustment |  | Other
Commercial, financial and agricultural: |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
PPP loans | — |  |  | — |  |  | — |  |  | — |
Overdrafts | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | — |  |  | — |  |  | — |  |  | — |
Construction real estate: |  |  |  |  |  |  |
Commercial | — |  |  | — |  |  | — |  |  | — |
Retail | — |  |  | — |  |  | — |  |  | — |
Residential real estate: |  |  | — |  |  | — |  |  | — |
Commercial | 150 |  |  | — |  |  | — |  |  | — |
Mortgage | — |  |  | — |  |  | 135 |  |  | — |
HELOC | — |  |  | — |  |  | — |  |  | — |
Installment | — |  |  | — |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |
Consumer | — |  |  | 8 |  |  | — |  |  | — |
GFSC | — |  |  | — |  |  | — |  |  | — |
Check loans | — |  |  | — |  |  | — |  |  | — |
Leases | — |  |  | — |  |  | — |  |  | — |
Total loans | $ | 150 |  |  | $ | 8 |  |  | $ | 135 |  |  | $ | — |
Upon the determination that a modified loan (or a portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is charged-off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amounts.

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