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Loans, Allowance for Credit Losses, and Asset Quality Information (Tables) | 9 Months Ended
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Sep. 30, 2022
Receivables [Abstract] |
Summary of Major Categories of Total Loans Outstanding | The following is a summary of the major categories of total loans outstanding:
($ in thousands) | September 30, 2022 |  | December 31, 2021
| Amount |  | Percentage |  | Amount |  | Percentage
All loans: |  |  |  |  |  |  |
Commercial, financial, and agricultural | $ | 617,538 |  |  | 9 | % |  | $ | 648,997 |  |  | 11 | %
Real estate – construction, land development & other land loans | 919,236 |  |  | 14 | % |  | 828,549 |  |  | 13 | %
Real estate – mortgage – residential (1-4 family) first mortgages | 1,132,552 |  |  | 17 | % |  | 1,021,966 |  |  | 17 | %
Real estate – mortgage – home equity loans / lines of credit | 323,218 |  |  | 5 | % |  | 331,932 |  |  | 5 | %
Real estate – mortgage – commercial and other | 3,473,225 |  |  | 53 | % |  | 3,194,737 |  |  | 53 | %
Consumer loans | 60,651 |  |  | 1 | % |  | 57,238 |  |  | 1 | %
Subtotal | 6,526,420 |  |  | 100 | % |  | 6,083,419 |  |  | 100 | %
Unamortized net deferred loan fees | (1,134) |  |  |  |  | (1,704) |  |  |
Total loans | $ | 6,525,286 |  |  |  |  | $ | 6,081,715 |  |  |
Also included in the table above are various non-PPP SBA loans, with additional information on these loans presented in the table below.
($ in thousands) | September 30, 2022 |  | December 31, 2021
Guaranteed portions of non-PPP SBA loans included in table above | $ | 36,625 |  |  | 48,377 |
Unguaranteed portions of non-PPP SBA loans included in table above | 119,590 |  |  | 122,772 |
Total non-PPP SBA loans included in the table above | $ | 156,215 |  |  | 171,149 |
Sold portions of SBA loans with servicing retained - not included in tables above | $ | 396,108 |  |  | 414,240 |
Schedule of Nonperforming Assets and Nonaccrual Loans | Nonperforming assets are defined as nonaccrual loans, troubled debt restructured loans ("TDRs"), loans past due 90 or more days and still accruing interest, and foreclosed real estate. Nonperforming assets are summarized as follows.
($ in thousands) | September 30, 2022 |  | December 31, 2021
Nonaccrual loans | $ | 28,669 |  |  | 34,696 |
TDRs - accruing | 11,355 |  |  | 13,866 |
Accruing loans > 90 days past due | — |  |  | 1,004 |
Total nonperforming loans | 40,024 |  |  | 49,566 |
Foreclosed real estate | 658 |  |  | 3,071 |
Total nonperforming assets | $ | 40,682 |  |  | 52,637 |
The following table is a summary of the Company’s nonaccrual loans by major categories as of September 30, 2022.
($ in thousands) |  | Nonaccrual Loans with No Allowance |  | Nonaccrual Loans with an Allowance |  | Total Nonaccrual Loans
Commercial, financial, and agricultural |  | $ | 3,912 |  |  | 7,446 |  |  | 11,358 |
Real estate – construction, land development & other land loans |  | 877 |  |  | 120 |  |  | 997 |
Real estate – mortgage – residential (1-4 family) first mortgages |  | 157 |  |  | 3,203 |  |  | 3,360 |
Real estate – mortgage – home equity loans / lines of credit |  | — |  |  | 1,340 |  |  | 1,340 |
Real estate – mortgage – commercial and other |  | 5,517 |  |  | 5,992 |  |  | 11,509 |
Consumer loans |  | — |  |  | 105 |  |  | 105 |
Total |  | $ | 10,463 |  |  | 18,206 |  |  | 28,669 |
The following table is a summary of the Company’s nonaccrual loans by major categories as of December 31, 2021.
($ in thousands) |  | Nonaccrual Loans with No Allowance |  | Nonaccrual Loans with an Allowance |  | Total Nonaccrual Loans
Commercial, financial, and agricultural |  | $ | 3,947 |  |  | 8,205 |  |  | 12,152 |
Real estate – construction, land development & other land loans |  | 495 |  |  | 137 |  |  | 632 |
Real estate – mortgage – residential (1-4 family) first mortgages |  | 858 |  |  | 4,040 |  |  | 4,898 |
Real estate – mortgage – home equity loans / lines of credit |  | — |  |  | 694 |  |  | 694 |
Real estate – mortgage – commercial and other |  | 7,648 |  |  | 8,583 |  |  | 16,231 |
Consumer loans |  | — |  |  | 89 |  |  | 89 |
Total |  | $ | 12,948 |  |  | 21,748 |  |  | 34,696 |
Summary of Accrued Interest Receivables Written Off | The following table represents the accrued interest receivables written off by reversing interest income during each period indicated.
($ in thousands) | Nine Months Ended September 30, 2022 |  | For the Year Ended December 31, 2021 |  | Nine Months Ended September 30, 2021
Commercial, financial, and agricultural | $ | 56 |  |  | 195 |  |  | 160 |
Real estate – construction, land development & other land loans | 16 |  |  | 6 |  |  | — |
Real estate – mortgage – residential (1-4 family) first mortgages | 32 |  |  | 31 |  |  | 20 |
Real estate – mortgage – home equity loans / lines of credit | 17 |  |  | 14 |  |  | 11 |
Real estate – mortgage – commercial and other | 108 |  |  | 453 |  |  | 446 |
Consumer loans | 2 |  |  | — |  |  | — |
Total | $ | 231 |  |  | 699 |  |  | 637 |
Schedule of Analysis of Payment Status | The following table presents an analysis of the payment status of the Company’s loans as of September 30, 2022.
($ in thousands) | Accruing 30-59 Days Past Due |  | Accruing 60-89 Days Past Due |  | Accruing 90 Days or More Past Due |  | Nonaccrual Loans |  | Accruing Current |  | Total Loans Receivable
Commercial, financial, and agricultural | $ | 825 |  |  | 158 |  |  | — |  |  | 11,358 |  |  | 605,197 |  |  | 617,538 |
Real estate – construction, land development & other land loans | 3,434 |  |  | — |  |  | — |  |  | 997 |  |  | 914,805 |  |  | 919,236 |
Real estate – mortgage – residential (1-4 family) first mortgages | 2,008 |  |  | 1,053 |  |  | — |  |  | 3,360 |  |  | 1,126,131 |  |  | 1,132,552 |
Real estate – mortgage – home equity loans / lines of credit | 126 |  |  | 244 |  |  | — |  |  | 1,340 |  |  | 321,508 |  |  | 323,218 |
Real estate – mortgage – commercial and other | 1,077 |  |  | 532 |  |  | — |  |  | 11,509 |  |  | 3,460,107 |  |  | 3,473,225 |
Consumer loans | 229 |  |  | 74 |  |  | — |  |  | 105 |  |  | 60,243 |  |  | 60,651 |
Total | $ | 7,699 |  |  | 2,061 |  |  | — |  |  | 28,669 |  |  | 6,487,991 |  |  | 6,526,420 |
Unamortized net deferred loan fees |  |  |  |  |  |  |  |  |  |  | (1,134) |
Total loans |  |  |  |  |  |  |  |  |  |  | 6,525,286 |
The following table presents an analysis of the payment status of the Company’s loans as of December 31, 2021.
($ in thousands) | Accruing 30-59 Days Past Due |  | Accruing 60-89 Days Past Due |  | Accruing 90 Days or More Past Due |  | Nonaccrual Loans |  | Accruing Current |  | Total Loans Receivable
Commercial, financial, and agricultural | $ | 377 |  |  | 93 |  |  | — |  |  | 12,152 |  |  | 636,375 |  |  | 648,997 |
Real estate – construction, land development & other land loans | 4,046 |  |  | — |  |  | 286 |  |  | 632 |  |  | 823,585 |  |  | 828,549 |
Real estate – mortgage – residential (1-4 family) first mortgages | 6,571 |  |  | 1,488 |  |  | — |  |  | 4,898 |  |  | 1,009,009 |  |  | 1,021,966 |
Real estate – mortgage – home equity loans / lines of credit | 489 |  |  | 124 |  |  | 718 |  |  | 694 |  |  | 329,907 |  |  | 331,932 |
Real estate – mortgage – commercial and other | 164 |  |  | 1,496 |  |  | — |  |  | 16,231 |  |  | 3,176,846 |  |  | 3,194,737 |
Consumer loans | 116 |  |  | 62 |  |  | — |  |  | 89 |  |  | 56,971 |  |  | 57,238 |
Total | $ | 11,763 |  |  | 3,263 |  |  | 1,004 |  |  | 34,696 |  |  | 6,032,693 |  |  | 6,083,419 |
Unamortized net deferred loan fees |  |  |  |  |  |  |  |  |  |  | (1,704) |
Total loans |  |  |  |  |  |  |  |  |  |  | $ | 6,081,715 |
Analysis of Collateral-Dependent Loans | The following table presents an analysis of collateral dependent loans of the Company as of September 30, 2022.
($ in thousands) | Residential Property |  | Business Assets |  | Land |  | Commercial Property |  |  |  | Total Collateral-Dependent Loans
Commercial, financial, and agricultural | $ | — |  |  | 6,575 |  |  | — |  |  | — |  |  |  |  | 6,575 |
Real estate – construction, land development & other land loans | — |  |  | — |  |  | 877 |  |  | — |  |  |  |  | 877 |
Real estate – mortgage – residential (1-4 family) first mortgages | 157 |  |  | — |  |  | — |  |  | — |  |  |  |  | 157 |
Real estate – mortgage – commercial and other | — |  |  | — |  |  | — |  |  | 7,257 |  |  |  |  | 7,257 |
Total | $ | 157 |  |  | 6,575 |  |  | 877 |  |  | 7,257 |  |  |  |  | 14,866 |
The following table presents an analysis of collateral dependent loans of the Company as of December 31, 2021.
($ in thousands) | Residential Property |  | Business Assets |  | Land |  | Commercial Property |  |  |  | Total Collateral-Dependent Loans
Commercial, financial, and agricultural | $ | — |  |  | 7,886 |  |  | — |  |  | — |  |  |  |  | 7,886 |
Real estate – construction, land development & other land loans | — |  |  | — |  |  | 533 |  |  | — |  |  |  |  | 533 |
Real estate – mortgage – residential (1-4 family) first mortgages | 871 |  |  | — |  |  | — |  |  | — |  |  |  |  | 871 |
Real estate – mortgage – commercial and other | — |  |  | — |  |  | — |  |  | 10,743 |  |  |  |  | 10,743 |
Total | $ | 871 |  |  | 7,886 |  |  | 533 |  |  | 10,743 |  |  |  |  | 20,033 |
Schedule of Allowance for Loan Losses | The following tables presents the activity in the ACL on loans for each of the periods indicated. Fluctuations in the ACL each period are based on loan mix and growth, changes in the levels of nonperforming loans, economic forecasts impacting loss drivers, other assumptions and inputs to the CECL model, and as occurred in 2021, adjustments for acquired loan portfolios. With regard to the increase in ACL for three and nine months ended September 30, 2022, approximately half of the increase was due to organic growth in the loan portfolio. The balance of the increase was a result of updated economic forecast inputs to our CECL model driving higher loss rate assumptions, primarily due to higher unemployment forecasts and deteriorating Commercial Real Estate Index forecasts given the developing uncertain economic environment.
($ in thousands) | Commercial, Financial, and Agricultural |  | Real Estate – Construction, Land Development & Other Land Loans |  | Real Estate – Residential (1-4 Family) First Mortgages |  | Real Estate – Mortgage – Home Equity Lines of Credit |  | Real Estate – Mortgage – Commercial and Other |  | Consumer Loans |  | Unallocated |  | Total
As of and for the three months ended September 30, 2022
Beginning balance | $ | 15,450 |  |  | 16,171 |  |  | 8,650 |  |  | 2,086 |  |  | 37,194 |  |  | 2,630 |  |  | — |  |  | 82,181 |
Charge-offs | (512) |  |  | — |  |  | — |  |  | (2) |  |  | (470) |  |  | (221) |  |  | — |  |  | (1,205) |
Recoveries | 166 |  |  | 109 |  |  | 1 |  |  | 85 |  |  | 112 |  |  | 38 |  |  | — |  |  | 511 |
Provisions / (Reversals) | 2,482 |  |  | (1,352) |  |  | 2,064 |  |  | 597 |  |  | 938 |  |  | 371 |  |  | — |  |  | 5,100 |
Ending balance | $ | 17,586 |  |  | 14,928 |  |  | 10,715 |  |  | 2,766 |  |  | 37,774 |  |  | 2,818 |  |  | — |  |  | 86,587 |
As of and for the nine months ended September 30, 2022
Beginning balance | $ | 16,249 |  |  | 16,519 |  |  | 8,686 |  |  | 4,337 |  |  | 30,342 |  |  | 2,656 |  |  | — |  |  | 78,789 |
Charge-offs | (2,030) |  |  | — |  |  | — |  |  | (43) |  |  | (1,333) |  |  | (602) |  |  | — |  |  | (4,008) |
Recoveries | 636 |  |  | 376 |  |  | 16 |  |  | 446 |  |  | 1,567 |  |  | 165 |  |  | — |  |  | 3,206 |
Provisions / (Reversals) | 2,731 |  |  | (1,967) |  |  | 2,013 |  |  | (1,974) |  |  | 7,198 |  |  | 599 |  |  | — |  |  | 8,600 |
Ending balance | $ | 17,586 |  |  | 14,928 |  |  | 10,715 |  |  | 2,766 |  |  | 37,774 |  |  | 2,818 |  |  | — |  |  | 86,587 |
($ in thousands) | Commercial, Financial, and Agricultural |  | Real Estate – Construction, Land Development & Other Land Loans |  | Real Estate – Residential (1-4 Family) First Mortgages |  | Real Estate – Mortgage – Home Equity Lines of Credit |  | Real Estate – Mortgage – Commercial and Other |  | Consumer Loans |  | Unallocated |  | Total
As of and for the year ended December 31, 2021
Beginning balance | $ | 11,316 |  |  | 5,355 |  |  | 8,048 |  |  | 2,375 |  |  | 23,603 |  |  | 1,478 |  |  | 213 |  |  | 52,388 |
Adjustment for implementation of CECL | 3,067 |  |  | 6,140 |  |  | 2,584 |  |  | 2,580 |  |  | (257) |  |  | 674 |  |  | (213) |  |  | 14,575 |
Allowance for acquired PCD loans | 2,917 |  |  | 165 |  |  | 222 |  |  | 92 |  |  | 1,489 |  |  | 10 |  |  | — |  |  | 4,895 |
Charge-offs | (3,722) |  |  | (245) |  |  | (273) |  |  | (400) |  |  | (2,295) |  |  | (667) |  |  | — |  |  | (7,602) |
Recoveries | 1,744 |  |  | 948 |  |  | 761 |  |  | 578 |  |  | 533 |  |  | 358 |  |  | — |  |  | 4,922 |
Provisions/(Reversals) | 927 |  |  | 4,156 |  |  | (2,656) |  |  | (888) |  |  | 7,269 |  |  | 803 |  |  | — |  |  | 9,611 |
Ending balance | $ | 16,249 |  |  | 16,519 |  |  | 8,686 |  |  | 4,337 |  |  | 30,342 |  |  | 2,656 |  |  | — |  |  | 78,789 |
($ in thousands) | Commercial, Financial, and Agricultural |  | Real Estate – Construction, Land Development & Other Land Loans |  | Real Estate – Residential (1-4 Family) First Mortgages |  | Real Estate – Mortgage – Home Equity Lines of Credit |  | Real Estate – Mortgage – Commercial and Other |  | Consumer Loans |  | Unallocated |  | Total
As of and for the three months ended September 30, 2021
Beginning balance | $ | 14,809 |  |  | 10,104 |  |  | 8,651 |  |  | 3,737 |  |  | 25,358 |  |  | 2,363 |  |  | — |  |  | 65,022 |
Charge-offs | (899) |  |  | — |  |  | (24) |  |  | — |  |  | (4) |  |  | (178) |  |  | — |  |  | (1,105) |
Recoveries | 398 |  |  | 98 |  |  | 176 |  |  | 311 |  |  | 79 |  |  | 49 |  |  | — |  |  | 1,111 |
Provisions/(Reversals) | (808) |  |  | 2,187 |  |  | (1,032) |  |  | (546) |  |  | (1,336) |  |  | 135 |  |  | — |  |  | (1,400) |
Ending balance | $ | 13,500 |  |  | 12,389 |  |  | 7,771 |  |  | 3,502 |  |  | 24,097 |  |  | 2,369 |  |  | — |  |  | 63,628 |
As of and for the nine months ended September 30, 2021
Beginning balance | $ | 11,316 |  |  | 5,355 |  |  | 8,048 |  |  | 2,375 |  |  | 23,603 |  |  | 1,478 |  |  | 213 |  |  | 52,388 |
Adjustment for implementation of CECL | 3,067 |  |  | 6,140 |  |  | 2,584 |  |  | 2,580 |  |  | (257) |  |  | 674 |  |  | (213) |  |  | 14,575 |
Charge-offs | (2,887) |  |  | (66) |  |  | (138) |  |  | (139) |  |  | (1,838) |  |  | (485) |  |  | — |  |  | (5,553) |
Recoveries | 1,065 |  |  | 784 |  |  | 499 |  |  | 540 |  |  | 419 |  |  | 311 |  |  | — |  |  | 3,618 |
Provisions/(Reversals) | 939 |  |  | 176 |  |  | (3,222) |  |  | (1,854) |  |  | 2,170 |  |  | 391 |  |  | — |  |  | (1,400) |
Ending balance | $ | 13,500 |  |  | 12,389 |  |  | 7,771 |  |  | 3,502 |  |  | 24,097 |  |  | 2,369 |  |  | — |  |  | 63,628 |
The following table presents the balance and activity in the allowance for credit losses for unfunded loan commitments for the nine months ended September 30, 2022.
($ in thousands) | Total Allowance for Credit Losses - Unfunded Loan Commitments
Beginning balance at December 31, 2021 | $ | 13,506 |
Charge-offs | — |
Recoveries | — |
Reversal of provision for unfunded commitments | (1,200) |
Ending balance at September 30, 2022 | $ | 12,306 |
Schedule of Recorded Investment in Loans by Credit Quality Indicators | The following describes the Company’s internal risk grades in ascending order of likelihood of loss:
| Risk Grade | Description
Pass: |  |
| 1 | Loans with virtually no risk, including cash secured loans.
| 2 | Loans with documented significant overall financial strength. These loans have minimum chance of loss due to the presence of multiple sources of repayment – each clearly sufficient to satisfy the obligation.
| 3 | Loans with documented satisfactory overall financial strength. These loans have a low loss potential due to presence of at least two clearly identified sources of repayment – each of which is sufficient to satisfy the obligation under the present circumstances.
| 4 | Loans to borrowers with acceptable financial condition. These loans could have signs of minor operational weaknesses, lack of adequate financial information, or loans supported by collateral with questionable value or marketability.
| 5 | Loans that represent above average risk due to minor weaknesses and warrant closer scrutiny by management. Collateral is generally required and felt to provide reasonable coverage with realizable liquidation values in normal circumstances. Repayment performance is satisfactory.
| P (Pass) | Consumer loans that are of satisfactory credit quality with borrowers who exhibit good personal credit history, average personal financial strength and moderate debt levels. These loans generally conform to Bank policy, but may include approved mitigated exceptions to the guidelines.
Special Mention: |  |
| 6 | Existing loans with defined weaknesses in primary source of repayment that, if not corrected, could cause a loss to the Bank.
Classified: |  |
| 7 | An existing loan inadequately protected by the current sound net worth and paying capacity of the obligor or the collateral pledged, if any. These loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt.
| 8 | Loans that have a well-defined weakness that make the collection or liquidation in full highly questionable and improbable. Loss appears imminent, but the exact amount and timing is uncertain.
| 9 | Loans that are considered uncollectible and are in the process of being charged-off. This grade is a temporary grade assigned for administrative purposes until the charge-off is completed.
| F (Fail) | Consumer loans with a well-defined weakness, such as exceptions of any kind with no mitigating factors, history of paying outside the terms of the note, insufficient income to support the current level of debt, etc.
In the tables that follow, substantially all of the "Classified Loans" have grades of 7 or Fail, with those categories having similar levels of risk. The tables below present the Company’s recorded investment in loans by credit quality indicators by year of origination or renewal as of the periods indicated. Acquired loans are presented in the year originated, not in the year of acquisition. For three month and nine month periods ended September 30, 2022, the amount of revolving lines of credit that converted to term loans totaled $2.4 million and $4.6 million, respectively. Converted lines of credit were immaterial in the comparable prior year periods.
| Term Loans by Year of Origination |  |  |  |
($ in thousands) | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving |  | Total
As of September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 126,775 |  |  | 136,151 |  |  | 89,302 |  |  | 56,471 |  |  | 59,693 |  |  | 22,133 |  |  | 110,825 |  |  | 601,350 |
Special Mention | 30 |  |  | 175 |  |  | 677 |  |  | 1,472 |  |  | 906 |  |  | 244 |  |  | 85 |  |  | 3,589 |
Classified | 440 |  |  | 2,193 |  |  | 902 |  |  | 1,251 |  |  | 6,864 |  |  | 368 |  |  | 581 |  |  | 12,599 |
Total commercial, financial, and agricultural | 127,245 |  |  | 138,519 |  |  | 90,881 |  |  | 59,194 |  |  | 67,463 |  |  | 22,745 |  |  | 111,491 |  |  | 617,538 |
Real estate – construction, land development & other land loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 438,062 |  |  | 357,411 |  |  | 54,529 |  |  | 32,455 |  |  | 5,461 |  |  | 8,146 |  |  | 13,579 |  |  | 909,643 |
Special Mention | 3,444 |  |  | 9 |  |  | 4 |  |  | 4,061 |  |  | 103 |  |  | — |  |  | — |  |  | 7,621 |
Classified | 592 |  |  | 112 |  |  | 35 |  |  | 908 |  |  | 66 |  |  | 16 |  |  | 243 |  |  | 1,972 |
Total real estate – construction, land development & other land loans | 442,098 |  |  | 357,532 |  |  | 54,568 |  |  | 37,424 |  |  | 5,630 |  |  | 8,162 |  |  | 13,822 |  |  | 919,236 |
Real estate – mortgage – residential (1-4 family) first mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 197,181 |  |  | 300,207 |  |  | 192,410 |  |  | 101,787 |  |  | 66,548 |  |  | 250,772 |  |  | 7,298 |  |  | 1,116,203 |
Special Mention | 852 |  |  | 350 |  |  | 274 |  |  | 304 |  |  | 106 |  |  | 2,382 |  |  | 100 |  |  | 4,368 |
Classified | 403 |  |  | 811 |  |  | 225 |  |  | 585 |  |  | 971 |  |  | 8,084 |  |  | 902 |  |  | 11,981 |
Total real estate – mortgage – residential (1-4 family) first mortgages | 198,436 |  |  | 301,368 |  |  | 192,909 |  |  | 102,676 |  |  | 67,625 |  |  | 261,238 |  |  | 8,300 |  |  | 1,132,552 |
Real estate – mortgage – home equity loans / lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,042 |  |  | 2,046 |  |  | 365 |  |  | 256 |  |  | 869 |  |  | 1,902 |  |  | 308,219 |  |  | 314,699 |
Special Mention | — |  |  | 179 |  |  | — |  |  | — |  |  | — |  |  | 18 |  |  | 977 |  |  | 1,174 |
Classified | 39 |  |  | 158 |  |  | 95 |  |  | 82 |  |  | — |  |  | 290 |  |  | 6,681 |  |  | 7,345 |
Total real estate – mortgage – home equity loans / lines of credit | 1,081 |  |  | 2,383 |  |  | 460 |  |  | 338 |  |  | 869 |  |  | 2,210 |  |  | 315,877 |  |  | 323,218 |
Real estate – mortgage – commercial and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 934,199 |  |  | 1,215,815 |  |  | 596,502 |  |  | 278,815 |  |  | 152,596 |  |  | 206,579 |  |  | 55,726 |  |  | 3,440,232 |
Special Mention | 954 |  |  | 1,153 |  |  | 4,305 |  |  | 4,750 |  |  | 1,918 |  |  | 2,596 |  |  | 670 |  |  | 16,346 |
Classified | 3,168 |  |  | 1,479 |  |  | 115 |  |  | 2,772 |  |  | 6,876 |  |  | 1,746 |  |  | 491 |  |  | 16,647 |
Total real estate – mortgage – commercial and other | 938,321 |  |  | 1,218,447 |  |  | 600,922 |  |  | 286,337 |  |  | 161,390 |  |  | 210,921 |  |  | 56,887 |  |  | 3,473,225 |
Consumer loans
Pass | 14,507 |  |  | 27,261 |  |  | 4,271 |  |  | 1,339 |  |  | 1,040 |  |  | 490 |  |  | 11,565 |  |  | 60,473 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Classified | 6 |  |  | 99 |  |  | 5 |  |  | 1 |  |  | — |  |  | 12 |  |  | 55 |  |  | 178 |
Total consumer loans | 14,513 |  |  | 27,360 |  |  | 4,276 |  |  | 1,340 |  |  | 1,040 |  |  | 502 |  |  | 11,620 |  |  | 60,651 |
Total | $ | 1,721,694 |  |  | 2,045,609 |  |  | 944,016 |  |  | 487,309 |  |  | 304,017 |  |  | 505,778 |  |  | 517,997 |  |  | 6,526,420 |
Unamortized net deferred loan fees |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (1,134) |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6,525,286 |
| Term Loans by Year of Origination |  |  |  |
($ in thousands) | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving |  | Total
As of December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 204,945 |  |  | 138,540 |  |  | 71,369 |  |  | 66,645 |  |  | 16,009 |  |  | 17,492 |  |  | 112,933 |  |  | 627,933 |
Special Mention | 225 |  |  | 1,255 |  |  | 1,313 |  |  | 2,729 |  |  | 225 |  |  | 9 |  |  | 2,348 |  |  | 8,104 |
Classified | 1,609 |  |  | 793 |  |  | 1,703 |  |  | 7,096 |  |  | 511 |  |  | 96 |  |  | 1,152 |  |  | 12,960 |
Total commercial, financial, and agricultural | 206,779 |  |  | 140,588 |  |  | 74,385 |  |  | 76,470 |  |  | 16,745 |  |  | 17,597 |  |  | 116,433 |  |  | 648,997 |
Real estate – construction, land development & other land loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 573,613 |  |  | 133,888 |  |  | 69,066 |  |  | 12,455 |  |  | 9,764 |  |  | 8,190 |  |  | 13,737 |  |  | 820,713 |
Special Mention | 41 |  |  | 737 |  |  | 5,095 |  |  | 110 |  |  | 104 |  |  | 2 |  |  | 9 |  |  | 6,098 |
Classified | 1,541 |  |  | 49 |  |  | 47 |  |  | 83 |  |  | 14 |  |  | 4 |  |  | — |  |  | 1,738 |
Total real estate – construction, land development & other land loans | 575,195 |  |  | 134,674 |  |  | 74,208 |  |  | 12,648 |  |  | 9,882 |  |  | 8,196 |  |  | 13,746 |  |  | 828,549 |
Real estate – mortgage – residential (1-4 family) first mortgages |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 241,619 |  |  | 224,617 |  |  | 120,097 |  |  | 82,531 |  |  | 86,074 |  |  | 234,950 |  |  | 11,051 |  |  | 1,000,939 |
Special Mention | 888 |  |  | 615 |  |  | 516 |  |  | 229 |  |  | 323 |  |  | 3,237 |  |  | 94 |  |  | 5,902 |
Classified | 419 |  |  | 156 |  |  | 535 |  |  | 1,185 |  |  | 653 |  |  | 11,246 |  |  | 931 |  |  | 15,125 |
Total real estate – mortgage – residential (1-4 family) first mortgages | 242,926 |  |  | 225,388 |  |  | 121,148 |  |  | 83,945 |  |  | 87,050 |  |  | 249,433 |  |  | 12,076 |  |  | 1,021,966 |
Real estate – mortgage – home equity loans / lines of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 3,111 |  |  | 498 |  |  | 439 |  |  | 1,304 |  |  | 245 |  |  | 1,649 |  |  | 317,319 |  |  | 324,565 |
Special Mention | 194 |  |  | — |  |  | 15 |  |  | — |  |  | — |  |  | 19 |  |  | 1,341 |  |  | 1,569 |
Classified | 75 |  |  | 97 |  |  | 71 |  |  | — |  |  | — |  |  | 607 |  |  | 4,948 |  |  | 5,798 |
Total real estate – mortgage – home equity loans / lines of credit | 3,380 |  |  | 595 |  |  | 525 |  |  | 1,304 |  |  | 245 |  |  | 2,275 |  |  | 323,608 |  |  | 331,932 |
Real estate – mortgage – commercial and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 1,328,156 |  |  | 796,992 |  |  | 355,885 |  |  | 211,118 |  |  | 197,165 |  |  | 197,659 |  |  | 66,104 |  |  | 3,153,079 |
Special Mention | 1,759 |  |  | 4,849 |  |  | 5,801 |  |  | 3,741 |  |  | 2,072 |  |  | 1,801 |  |  | 1,440 |  |  | 21,463 |
Classified | 7,147 |  |  | 413 |  |  | 2,110 |  |  | 6,025 |  |  | 3,897 |  |  | 603 |  |  | — |  |  | 20,195 |
Total real estate – mortgage – commercial and other | 1,337,062 |  |  | 802,254 |  |  | 363,796 |  |  | 220,884 |  |  | 203,134 |  |  | 200,063 |  |  | 67,544 |  |  | 3,194,737 |
Consumer loans
Pass | 14,960 |  |  | 25,431 |  |  | 2,965 |  |  | 1,722 |  |  | 673 |  |  | 525 |  |  | 10,810 |  |  | 57,086 |
Special Mention | — |  |  | 4 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |
Classified | — |  |  | 73 |  |  | — |  |  | 8 |  |  | — |  |  | 25 |  |  | 42 |  |  | 148 |
Total consumer loans | 14,960 |  |  | 25,508 |  |  | 2,965 |  |  | 1,730 |  |  | 673 |  |  | 550 |  |  | 10,852 |  |  | 57,238 |
Total | $ | 2,380,302 |  |  | 1,329,007 |  |  | 637,027 |  |  | 396,981 |  |  | 317,729 |  |  | 478,114 |  |  | 544,259 |  |  | 6,083,419 |
Unamortized net deferred loan fees |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (1,704) |
Total loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6,081,715 |
Schedule of Information Related to Loans Modified in a Troubled Debt Restructuring | The following table presents information related to loans modified in a TDR during the three months ended September 30, 2022 and 2021.
($ in thousands) | For the three months ended September 30, 2022 |  | For the three months ended September 30, 2021
| Number of Contracts |  | Pre- Modification Restructured Balances |  | Post- Modification Restructured Balances |  | Number of Contracts |  | Pre- Modification Restructured Balances |  | Post- Modification Restructured Balances
TDRs – Accruing |  |  |  |  |  |  |  |  |  |  |
Real estate – mortgage – home equity loans / lines of credit | 1 |  |  | 176 |  |  | 176 |  |  | — |  |  | — |  |  | — |
TDRs – Nonaccrual |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural | 1 |  |  | 327 |  |  | 327 |  |  | — |  |  | — |  |  | — |
Total TDRs arising during period | 2 |  |  | $ | 503 |  |  | $ | 503 |  |  | — |  |  | $ | — |  |  | $ | — |
The following table presents information related to loans modified in a TDR during the nine months ended September 30, 2022 and 2021.
($ in thousands) | For the nine months ended September 30, 2022 |  | For the nine months ended September 30, 2021
| Number of Contracts |  | Pre- Modification Restructured Balances |  | Post- Modification Restructured Balances |  | Number of Contracts |  | Pre- Modification Restructured Balances |  | Post- Modification Restructured Balances
TDRs – Accruing |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural | 1 |  |  | $ | 161 |  |  | $ | 161 |  |  | — |  |  | $ | — |  |  | $ | — |
Real estate – construction, land development & other land loans | 1 |  |  | 131 |  |  | 131 |  |  | — |  |  | — |  |  | — |
Real estate – mortgage – residential (1-4 family) first mortgages | 1 |  |  | 36 |  |  | 36 |  |  | 1 |  |  | 33 |  |  | 33 |
Real estate – mortgage – home equity loans / lines of credit | 3 |  |  | 379 |  |  | 379 |  |  | — |  |  | — |  |  | — |
Real estate – mortgage – commercial and other | — |  |  | — |  |  | — |  |  | 1 |  |  | 160 |  |  | 160 |
Consumer loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
TDRs – Nonaccrual |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, and agricultural | 4 |  |  | 627 |  |  | 627 |  |  | 3 |  |  | 826 |  |  | 823 |
Real estate – construction, land development & other land loans | — |  |  | — |  |  | — |  |  | 1 |  |  | 75 |  |  | 75 |
Real estate – mortgage – residential (1-4 family) first mortgages | 1 |  |  | 36 |  |  | 36 |  |  | 1 |  |  | 263 |  |  | 263 |
Real estate – mortgage – home equity loans / lines of credit | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate – mortgage – commercial and other | 2 |  |  | 784 |  |  | 784 |  |  | 3 |  |  | 1,569 |  |  | 1,569 |
Consumer loans | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total TDRs arising during period | 13 |  |  | 2,154 |  |  | 2,154 |  |  | 10 |  |  | 2,926 |  |  | 2,923 |

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