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LOANS (Tables)

6 Months Ended

12 Months Ended

Jun. 30, 2020

Dec. 31, 2020

LOANS - Carrying Amount of Accretable Yield for Purchased Impaired and Nonimpaired Loans [Abstract]

Commercial and Consumer Credit Exposure by Risk Attribute

The following table sets forth the Company's loan portfolio at December 31, 2020 by risk attribute and origination date:

(Dollars in thousands)						2020						2019						2018						2017						2016						Prior						Term Total						Revolving						Total
Commercial & industrial
Pass						$	1,141,163					$	460,210					$	296,221					$	208,077					$	122,686					$	138,307					$	2,366,664					$	502,286					$	2,868,950
Special mention						24,668						10,281						18,118						6,893						6,668						6,090						72,718						10,470						83,188
Substandard						6,709						2,370						8,022						26,565						5,124						1,192						49,982						5,389						55,371
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	1,172,540					$	472,861					$	322,361					$	241,535					$	134,478					$	145,589					$	2,489,364					$	518,145					$	3,007,509
Lease financing
Pass						$	22,916					$	22,397					$	12,942					$	6,967					$	4,802					$	2,368					$	72,392					$	0					$	72,392
Special mention						290						0						0						0						0						0						290						0						290
Substandard						5						0						0						180						120						0						305						0						305
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	23,211					$	22,397					$	12,942					$	7,147					$	4,922					$	2,368					$	72,987					$	0					$	72,987
Construction real estate
Pass						$	96,410					$	259,524					$	182,625					$	23,185					$	24,786					$	426					$	586,956					$	19,671					$	606,627
Special mention						0						621						18,203						9,984						661						0						29,469						0						29,469
Substandard						0						0						0						0						0						0						0						0						0
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	96,410					$	260,145					$	200,828					$	33,169					$	25,447					$	426					$	616,425					$	19,671					$	636,096
Commercial real estate - investor
Pass						$	515,950					$	1,011,898					$	427,077					$	378,536					$	286,587					$	361,403					$	2,981,451					$	56,398					$	3,037,849
Special mention						0						17,463						15,534						44,426						32,408						43,704						153,535						559						154,094
Substandard						6,198						2,043						22,497						7,067						68						14,724						52,597						0						52,597
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	522,148					$	1,031,404					$	465,108					$	430,029					$	319,063					$	419,831					$	3,187,583					$	56,957					$	3,244,540
Commercial real estate - owner
Pass						$	185,692					$	162,480					$	147,236					$	125,275					$	128,755					$	211,519					$	960,957					$	36,721					$	997,678
Special mention						4,292						11,380						2,891						8,230						3,017						19,384						49,194						59						49,253
Substandard						668						504						7,054						5,496						306						2,321						16,349						38						16,387
Doubtful						0						0						0						0						0						0						0						0						0
Total						$	190,652					$	174,364					$	157,181					$	139,001					$	132,078					$	233,224					$	1,026,500					$	36,818					$	1,063,318
Residential real estate
Performing						$	290,277					$	241,601					$	115,747					$	64,220					$	60,094					$	224,281					$	996,220					$	0					$	996,220
Nonperforming						321						429						673						643						87						4,713						6,866						0						6,866
Total						$	290,598					$	242,030					$	116,420					$	64,863					$	60,181					$	228,994					$	1,003,086					$	0					$	1,003,086
Home equity
Performing						$	60,967					$	20,200					$	17,445					$	11,308					$	9,744					$	41,571					$	161,235					$	577,609					$	738,844
Nonperforming						0						0						0						39						28						138						205						4,050						4,255
Total						$	60,967					$	20,200					$	17,445					$	11,347					$	9,772					$	41,709					$	161,440					$	581,659					$	743,099
Installment
Performing						$	21,584					$	15,614					$	11,041					$	8,812					$	1,954					$	3,185					$	62,190					$	19,479					$	81,669
Nonperforming						15						53						23						35						17						36						179						2						181
Total						$	21,599					$	15,667					$	11,064					$	8,847					$	1,971					$	3,221					$	62,369					$	19,481					$	81,850
Credit cards
Performing						$	0					$	0					$	0					$	0					$	0					$	0					$	0					$	47,845					$	47,845
Nonperforming						0						0						0						0						0						0						0						640						640
Total						$	0					$	0					$	0					$	0					$	0					$	0					$	0					$	48,485					$	48,485
Grand Total						$	2,378,125					$	2,239,068					$	1,303,349					$	935,938					$	687,912					$	1,075,362					$	8,619,754					$	1,281,216					$	9,900,970

Commercial and consumer credit exposure by risk attribute as of December 31, 2019 was as follows:

						As of December 31, 2019
												Real Estate
(Dollars in thousands)						Commercial & industrial						Construction						Commercial						Lease financing						Total
Pass						$	2,324,021					$	493,182					$	4,108,752					$	85,262					$	7,011,217
Special Mention						100,954						0						59,383						488						160,825
Substandard						40,902						0						26,516						2,614						70,032
Doubtful						0						0						0						0						0
Total						$	2,465,877					$	493,182					$	4,194,651					$	88,364					$	7,242,074

						Residential real estate						Home equity						Installment						Credit card						Total
Performing						$	1,040,787					$	766,169					$	82,385					$	48,983					$	1,938,324
Nonperforming						15,162						5,700						204						201						21,267
Total						$	1,055,949					$	771,869					$	82,589					$	49,184					$	1,959,591

Loan Delinquency, including Nonaccrual Loans

Loan delinquency, including nonaccrual loans, was as follows:

						As of December 31, 2020
(Dollars in thousands)						30 – 59 days past due						60 – 89 days past due						> 90 days past due						Total past due						Current						Total						> 90 days past due and still accruing
Loans
Commercial & industrial						$	6,532					$	0					$	1,861					$	8,393					$	2,999,116					$	3,007,509					$	0
Lease financing						0						0						0						0						72,987						72,987						0
Construction real estate						0						0						0						0						636,096						636,096						0
Commercial real estate-investor						136						0						24,422						24,558						3,219,982						3,244,540						0
Commercial real estate-owner						6,480						174						400						7,054						1,056,264						1,063,318						0
Residential real estate						2,809						370						3,687						6,866						996,220						1,003,086						0
Home equity						1,483						835						1,937						4,255						738,844						743,099						0
Installment						94						35						51						180						81,670						81,850						0
Credit card						303						163						174						640						47,845						48,485						169
Total						$	17,837					$	1,577					$	32,532					$	51,946					$	9,849,024					$	9,900,970					$	169

						As of December 31, 2019
(Dollars in thousands)						30 - 59 days past due						60 - 89 days past due						> 90 days past due						Total past due						Current						Subtotal						Purchased impaired						Total						> 90 days past due and still accruing
Loans
Commercial & industrial						$	1,266					$	3,332					$	14,518					$	19,116					$	2,443,680					$	2,462,796					$	3,081					$	2,465,877					$	0
Lease financing						0						0						0						0						88,364						88,364						0						88,364						0
Construction real estate						0						0						0						0						493,167						493,167						15						493,182						0
Commercial real estate						776						857						5,613						7,246						4,151,513						4,158,759						35,892						4,194,651						0
Residential real estate						8,032						1,928						5,031						14,991						1,014,138						1,029,129						26,820						1,055,949						0
Home equity						2,530						1,083						2,795						6,408						762,863						769,271						2,598						771,869						0
Installment						111						50						148						309						82,022						82,331						258						82,589						0
Credit card						208						75						201						484						48,700						49,184						0						49,184						201
Total						$	12,923					$	7,325					$	28,306					$	48,554					$	9,084,447					$	9,133,001					$	68,664					$	9,201,665					$	201

Loans Restructured During Period

The following table provides information on loan modifications classified as TDRs during the years ended December 31, 2020, 2019 and 2018:

						Years ended December 31,
						2020																		2019																		2018
(Dollars in thousands)						Number of loans						Pre-modification loan balance						Period end balance						Number of loans						Pre-modification loan balance						Period end balance						Number of loans						Pre-modification loan balance						Period end balance
Commercial & industrial						8						$	14,984					$	14,984					8						$	25,009					$	25,071					17						$	23,943					$	23,890
Construction real estate						0						0						0						0						0						0						0						0						0
Commercial real estate						0						0						0						9						3,024						2,932						8						3,385						3,150
Residential real estate						24						1,953						1,847						30						3,415						3,062						13						1,148						1,073
Home equity						11						351						349						14						395						366						5						95						192
Installment						2						35						22						2						41						39						0						0						0
Total						45						$	17,323					$	17,202					63						$	31,884					$	31,470					43						$	28,571					$	28,305

Loans Restructured, Modifications

The following table provides information on how TDRs were modified during the years ended December 31, 2020, 2019 and 2018:

						Years Ended December 31,
(Dollars in thousands)						2020						2019						2018
Extended maturities						$	0					$	2,877					$	4,093
Adjusted interest rates						0						5,284						52
Combination of rate and maturity changes						0						516						0
Forbearance						4,759						20,320						23,175
Other (1)						12,443						2,473						985
Total						$	17,202					$	31,470					$	28,305

(1) Other includes covenant modifications and other concessions or combination of concessions that do not consist of interest rate adjustments, forbearance and maturity extensions.

Loan Restructuring, Loans with a Payment Default Within 12 Months of Loan Modification

Nonaccrual, Restructured and Impaired Loans

The following table provides information on nonperforming loans as of December 31:

						2020																		2019						2018
(Dollars in thousands)						Nonaccrual loans with a related ACL						Nonaccrual loans with no related ACL						Total nonaccrual						Total nonaccrual						Total nonaccrual
Nonaccrual loans (1)
Commercial & industrial						$	18,711					$	10,519					$	29,230					$	24,346					$	30,925
Lease financing						0						0						0						223						22
Construction real estate						0						0						0						0						9
Commercial real estate						6,957						27,725						34,682						7,295						20,500
Residential real estate						251						11,350						11,601						10,892						13,495
Home equity						0						5,076						5,076						5,242						5,580
Installment						0						163						163						167						169
Total nonaccrual loans						$	25,919					$	54,833					$	80,752					$	48,165					$	70,700
Interest income effect
Gross amount of interest that would have been recorded under original terms																		$	5,892					$	5,813					$	4,656
Interest included in income
Nonaccrual loans																		1,636						1,042						715
Troubled debt restructurings																		426						801						642
Total interest included in income																		2,062						1,843						1,357
Net impact on interest income																		$	3,830					$	3,970					$	3,299
Commitments outstanding to borrowers with nonaccrual loans																		$	0					$	3					$	200

(1) Nonaccrual loans include nonaccrual TDRs of $14.7 million, $18.5 million and $22.4 million as of December 31, 2020, 2019 and 2018, respectively.

Investment in Impaired Loans

First Financial's investment in impaired loans was as follows:

												December 31, 2019
(Dollars in thousands)																								Current balance						Contractual principal balance						Related allowance
Loans with no related allowance recorded
Commercial & industrial																								$	16,726					$	19,709					$	0
Lease financing																								223						223						0
Construction real estate																								0						0						0
Commercial real estate																								10,160						17,897						0
Residential real estate																								14,868						17,368						0
Home equity																								5,700						6,462						0
Installment																								204						341						0
Total																								47,881						62,000						0
Loans with an allowance recorded
Commercial & industrial																								10,754						21,513						2,044
Lease financing																								0						0						0
Construction real estate																								0						0						0
Commercial real estate																								671						675						113
Residential real estate																								294						294						18
Home equity																								0						0						0
Installment																								0						0						0
Total																								11,719						22,482						2,175
Total
Commercial & industrial																								27,480						41,222						2,044
Lease financing																								223						223						0
Construction real estate																								0						0						0
Commercial real estate																								10,831						18,572						113
Residential real estate																								15,162						17,662						18
Home equity																								5,700						6,462						0
Installment																								204						341						0
Total																								$	59,600					$	84,482					$	2,175

																		Years ended December 31,
												2019												2018
(Dollars in thousands)																		Average balance						Interest income recognized						Average balance						Interest income recognized
Loans with no related allowance recorded
Commercial & industrial																		$	31,846					$	926					$	14,498					$	360
Lease financing																		168						0						21						0
Construction real estate																		6						0						20						2
Commercial real estate																		18,757						357						24,738						490
Residential real estate																		15,915						307						11,359						301
Home equity																		5,893						121						5,541						114
Installment																		170						2						274						2
Total																		72,755						1,713						56,451						1,269
Loans with an allowance recorded
Commercial & industrial																		4,721						87						900						44
Lease financing																		57						0						0						0
Construction real estate																		0						0						0						0
Commercial real estate																		1,339						31						1,402						18
Residential real estate																		446						12						895						23
Home equity																		0						0						80						3
Installment																		0						0						0						0
Total																		6,563						130						3,277						88
Total
Commercial & industrial																		36,567						1,013						15,398						404
Lease financing																		225						0						21						0
Construction real estate																		6						0						20						2
Commercial real estate																		20,096						388						26,140						508
Residential real estate																		16,361						319						12,254						324
Home equity																		5,893						121						5,621						117
Installment																		170						2						274						2
Total																		$	79,318					$	1,843					$	59,728					$	1,357

Schedule of Collateral Dependent Loans

The following table presents the amortized cost basis of collateral dependent loans by class of loan.

						December 31, 2020
						Type of Collateral
(Dollar in thousands)						Business assets						Commercial real estate						Equipment						Land						Residential real estate						Other						Total
Class of loan
Commercial & industrial						$	30,961					$	6,130					$	2,608					$	865					$	0					$	4,892					$	45,456
Commercial real estate-investor						0						20,212						661						5,537						872						0						27,282
Commercial real estate-owner						5,842						3,495						0						42						344						0						9,723
Residential real estate						0						0						0						0						11,601						0						11,601
Home equity						0						0						0						0						5,076						0						5,076
Installment						0						0						0						0						0						163						163
Total						$	36,803					$	29,837					$	3,269					$	6,444					$	17,893					$	5,055					$	99,301

Changes in Other Real Estate Owned

Changes in OREO were as follows:

						Years ended December 31,
(Dollars in thousands)						2020						2019						2018
Balance at beginning of year						$	2,033					$	1,401					$	2,781
Additions
Commercial						510						415						1,269
Residential						507						2,033						1,913
Total additions						1,017						2,448						3,182
Disposals
Commercial						(217)						(541)						(2,967)
Residential						(1,859)						(912)						(830)
Total disposals						(2,076)						(1,453)						(3,797)
Valuation adjustments
Commercial						448						(112)						(355)
Residential						(135)						(251)						(410)
Total valuation adjustments						313						(363)						(765)
Balance at end of year						$	1,287					$	2,033					$	1,401

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LOANS - Carrying Amount of Accretable Yield for Purchased Impaired and Nonimpaired Loans [Abstract]

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Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.

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-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
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-URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448

Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524

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