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Loans and Allowance for Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2021
Loans and Leases Receivable Disclosure [Abstract] |  |
Outstanding Balances of Loan | The following table provides outstanding balances related to each of our loan types:
|  |  |  |  | September 30, 2021 |  |  |  |  |  | December 31, 2020
|  |  |  |  | (dollars in thousands)
Commercial, financial, agricultural and other |  |  |  |  | $ | 1,224,591 |  |  |  |  |  |  | $ | 1,555,986 |
Time and demand |  |  |  |  | 1,210,694 |  |  |  |  |  |  | 1,541,382 |
Commercial credit cards |  |  |  |  | 13,897 |  |  |  |  |  |  | 14,604 |
Real estate construction |  |  |  |  | 424,016 |  |  |  |  |  |  | 427,221 |
Residential real estate |  |  |  |  | 1,875,375 |  |  |  |  |  |  | 1,750,592 |
Residential first lien |  |  |  |  | 1,254,142 |  |  |  |  |  |  | 1,144,323 |
Residential junior lien/home equity |  |  |  |  | 621,233 |  |  |  |  |  |  | 606,269 |
Commercial real estate |  |  |  |  | 2,231,890 |  |  |  |  |  |  | 2,211,569 |
Multifamily |  |  |  |  | 405,720 |  |  |  |  |  |  | 371,239 |
Nonowner occupied |  |  |  |  | 1,442,845 |  |  |  |  |  |  | 1,421,151 |
Owner occupied |  |  |  |  | 383,325 |  |  |  |  |  |  | 419,179 |
Loans to individuals |  |  |  |  | 976,708 |  |  |  |  |  |  | 815,815 |
Automobile |  |  |  |  | 886,367 |  |  |  |  |  |  | 712,800 |
Consumer credit cards |  |  |  |  | 10,617 |  |  |  |  |  |  | 12,360 |
Consumer other |  |  |  |  | 79,724 |  |  |  |  |  |  | 90,655 |
Total loans |  |  |  |  | $ | 6,732,580 |  |  |  |  |  |  | $ | 6,761,183 |
Credit Risk Profile by Creditworthiness | The following tables represent our credit risk profile by creditworthiness:
| September 30, 2021
|  |  | Non-Pass |  |  |  |
| Pass |  | OAEM |  | Substandard |  | Doubtful |  | Loss |  | Total Non-Pass |  | Total
| (dollars in thousands)
Commercial, financial, agricultural and other | $ | 1,185,987 |  |  | $ | 12,318 |  |  | $ | 26,286 |  |  | $ | — |  |  | $ | — |  |  | $ | 38,604 |  |  | $ | 1,224,591 |
Time and demand | 1,172,090 |  |  | 12,318 |  |  | 26,286 |  |  | — |  |  | — |  |  | 38,604 |  |  | 1,210,694 |
Commercial credit cards | 13,897 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13,897 |
Real estate construction | 422,668 |  |  | 1,294 |  |  | 54 |  |  | — |  |  | — |  |  | 1,348 |  |  | 424,016 |
Residential real estate | 1,867,190 |  |  | 1,516 |  |  | 6,669 |  |  | — |  |  | — |  |  | 8,185 |  |  | 1,875,375 |
Residential first lien | 1,249,248 |  |  | 1,444 |  |  | 3,450 |  |  | — |  |  | — |  |  | 4,894 |  |  | 1,254,142 |
Residential junior lien/home equity | 617,942 |  |  | 72 |  |  | 3,219 |  |  | — |  |  | — |  |  | 3,291 |  |  | 621,233 |
Commercial real estate | 2,084,476 |  |  | 121,883 |  |  | 25,531 |  |  | — |  |  | — |  |  | 147,414 |  |  | 2,231,890 |
Multifamily | 390,579 |  |  | 14,635 |  |  | 506 |  |  | — |  |  | — |  |  | 15,141 |  |  | 405,720 |
Nonowner occupied | 1,323,095 |  |  | 99,917 |  |  | 19,833 |  |  | — |  |  | — |  |  | 119,750 |  |  | 1,442,845 |
Owner occupied | 370,802 |  |  | 7,331 |  |  | 5,192 |  |  | — |  |  | — |  |  | 12,523 |  |  | 383,325 |
Loans to individuals | 976,468 |  |  | — |  |  | 240 |  |  | — |  |  | — |  |  | 240 |  |  | 976,708 |
Automobile | 886,183 |  |  | — |  |  | 184 |  |  | — |  |  | — |  |  | 184 |  |  | 886,367 |
Consumer credit cards | 10,617 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,617 |
Consumer other | 79,668 |  |  | — |  |  | 56 |  |  | — |  |  | — |  |  | 56 |  |  | 79,724 |
Total loans | $ | 6,536,789 |  |  | $ | 137,011 |  |  | $ | 58,780 |  |  | $ | — |  |  | $ | — |  |  | $ | 195,791 |  |  | $ | 6,732,580 |
| December 31, 2020
|  |  | Non-Pass |  |  |  |
| Pass |  | OAEM |  | Substandard |  | Doubtful |  | Loss |  | Total Non-Pass |  | Total
| (dollars in thousands)
Commercial, financial, agricultural and other | $ | 1,491,916 |  |  | $ | 48,233 |  |  | $ | 15,837 |  |  | $ | — |  |  | $ | — |  |  | $ | 64,070 |  |  | $ | 1,555,986 |
Time and demand | 1,477,312 |  |  | 48,233 |  |  | 15,837 |  |  | — |  |  | — |  |  | 64,070 |  |  | 1,541,382 |
Commercial credit cards | 14,604 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14,604 |
Real estate construction | 426,663 |  |  | 504 |  |  | 54 |  |  | — |  |  | — |  |  | 558 |  |  | 427,221 |
Residential real estate | 1,740,992 |  |  | 1,902 |  |  | 7,698 |  |  | — |  |  | — |  |  | 9,600 |  |  | 1,750,592 |
Residential first lien | 1,138,409 |  |  | 1,780 |  |  | 4,134 |  |  | — |  |  | — |  |  | 5,914 |  |  | 1,144,323 |
Residential junior lien/home equity | 602,583 |  |  | 122 |  |  | 3,564 |  |  | — |  |  | — |  |  | 3,686 |  |  | 606,269 |
Commercial real estate | 1,983,258 |  |  | 175,995 |  |  | 52,316 |  |  | — |  |  | — |  |  | 228,311 |  |  | 2,211,569 |
Multifamily | 369,883 |  |  | 131 |  |  | 1,225 |  |  | — |  |  | — |  |  | 1,356 |  |  | 371,239 |
Nonowner occupied | 1,216,252 |  |  | 161,336 |  |  | 43,563 |  |  | — |  |  | — |  |  | 204,899 |  |  | 1,421,151 |
Owner occupied | 397,123 |  |  | 14,528 |  |  | 7,528 |  |  | — |  |  | — |  |  | 22,056 |  |  | 419,179 |
Loans to individuals | 815,541 |  |  | — |  |  | 274 |  |  | — |  |  | — |  |  | 274 |  |  | 815,815 |
Automobile | 712,539 |  |  | — |  |  | 261 |  |  | — |  |  | — |  |  | 261 |  |  | 712,800 |
Consumer credit cards | 12,360 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12,360 |
Consumer other | 90,642 |  |  | — |  |  | 13 |  |  | — |  |  | — |  |  | 13 |  |  | 90,655 |
Total loans | $ | 6,458,370 |  |  | $ | 226,634 |  |  | $ | 76,179 |  |  | $ | — |  |  | $ | — |  |  | $ | 302,813 |  |  | $ | 6,761,183 |
Credit Risk Profile Vintage by Creditworthiness | The following table summarizes the loan risk rating category by loan type including term loans on an amortized cost basis by origination year:
| September 30, 2021
| Term Loans |  | Revolving Loans |  |
| 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  |  | Total
| (dollars in thousands)
Time and demand | $ | 305,101 |  |  | $ | 127,699 |  |  | $ | 145,265 |  |  | $ | 100,018 |  |  | $ | 54,657 |  |  | $ | 118,361 |  |  | $ | 359,593 |  |  | $ | 1,210,694 |
Pass | 305,081 |  |  | 127,623 |  |  | 126,211 |  |  | 99,050 |  |  | 51,866 |  |  | 109,244 |  |  | 353,015 |  |  | 1,172,090 |
OAEM | — |  |  | 75 |  |  | 1,173 |  |  | 816 |  |  | 67 |  |  | 7,323 |  |  | 2,864 |  |  | 12,318 |
Substandard | 20 |  |  | 1 |  |  | 17,881 |  |  | 152 |  |  | 2,724 |  |  | 1,794 |  |  | 3,714 |  |  | 26,286 |
Commercial credit cards | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13,897 |  |  | 13,897 |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13,897 |  |  | 13,897 |
Real estate construction | 109,671 |  |  | 145,193 |  |  | 118,290 |  |  | 48,963 |  |  | 455 |  |  | 936 |  |  | 508 |  |  | 424,016 |
Pass | 109,647 |  |  | 143,923 |  |  | 118,290 |  |  | 48,963 |  |  | 455 |  |  | 882 |  |  | 508 |  |  | 422,668 |
OAEM | 24 |  |  | 1,270 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,294 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 54 |  |  | — |  |  | 54 |
Residential first lien | 280,135 |  |  | 372,184 |  |  | 138,407 |  |  | 95,498 |  |  | 81,299 |  |  | 284,645 |  |  | 1,974 |  |  | 1,254,142 |
Pass | 280,124 |  |  | 372,164 |  |  | 138,236 |  |  | 95,081 |  |  | 81,160 |  |  | 280,586 |  |  | 1,897 |  |  | 1,249,248 |
OAEM | — |  |  | — |  |  | — |  |  | 71 |  |  | — |  |  | 1,296 |  |  | 77 |  |  | 1,444 |
Substandard | 11 |  |  | 20 |  |  | 171 |  |  | 346 |  |  | 139 |  |  | 2,763 |  |  | — |  |  | 3,450 |
Residential junior lien/home equity | 42,602 |  |  | 2,207 |  |  | 3,682 |  |  | 3,038 |  |  | 1,161 |  |  | 6,297 |  |  | 562,246 |  |  | 621,233 |
Pass | 42,602 |  |  | 2,207 |  |  | 3,604 |  |  | 3,038 |  |  | 1,161 |  |  | 6,141 |  |  | 559,189 |  |  | 617,942 |
OAEM | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 62 |  |  | 10 |  |  | 72 |
Substandard | — |  |  | — |  |  | 78 |  |  | — |  |  | — |  |  | 94 |  |  | 3,047 |  |  | 3,219 |
Multifamily | 81,608 |  |  | 80,628 |  |  | 16,466 |  |  | 54,180 |  |  | 65,075 |  |  | 106,420 |  |  | 1,343 |  |  | 405,720 |
Pass | 81,608 |  |  | 80,628 |  |  | 16,466 |  |  | 54,180 |  |  | 50,974 |  |  | 105,380 |  |  | 1,343 |  |  | 390,579 |
OAEM | — |  |  | — |  |  | — |  |  | — |  |  | 14,101 |  |  | 534 |  |  | — |  |  | 14,635 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 506 |  |  | — |  |  | 506 |
Nonowner occupied | 113,742 |  |  | 111,404 |  |  | 198,003 |  |  | 163,617 |  |  | 195,894 |  |  | 655,679 |  |  | 4,506 |  |  | 1,442,845 |
Pass | 113,742 |  |  | 111,404 |  |  | 198,003 |  |  | 145,792 |  |  | 163,703 |  |  | 587,138 |  |  | 3,313 |  |  | 1,323,095 |
OAEM | — |  |  | — |  |  | — |  |  | 17,825 |  |  | 25,274 |  |  | 55,781 |  |  | 1,037 |  |  | 99,917 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 6,917 |  |  | 12,760 |  |  | 156 |  |  | 19,833 |
Owner occupied | 49,257 |  |  | 59,485 |  |  | 56,875 |  |  | 34,738 |  |  | 33,796 |  |  | 143,789 |  |  | 5,385 |  |  | 383,325 |
Pass | 49,257 |  |  | 57,858 |  |  | 54,392 |  |  | 34,212 |  |  | 32,449 |  |  | 137,363 |  |  | 5,271 |  |  | 370,802 |
OAEM | — |  |  | 1,414 |  |  | 1,239 |  |  | 526 |  |  | 1,323 |  |  | 2,796 |  |  | 33 |  |  | 7,331 |
Substandard | — |  |  | 213 |  |  | 1,244 |  |  | — |  |  | 24 |  |  | 3,630 |  |  | 81 |  |  | 5,192 |
Automobile | 384,494 |  |  | 276,368 |  |  | 139,680 |  |  | 57,986 |  |  | 22,494 |  |  | 5,345 |  |  | — |  |  | 886,367 |
Pass | 384,494 |  |  | 276,368 |  |  | 139,599 |  |  | 57,956 |  |  | 22,487 |  |  | 5,279 |  |  | — |  |  | 886,183 |
Substandard | — |  |  | — |  |  | 81 |  |  | 30 |  |  | 7 |  |  | 66 |  |  | — |  |  | 184 |
Consumer credit cards | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,617 |  |  | 10,617 |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,617 |  |  | 10,617 |
Consumer other | 10,223 |  |  | 5,288 |  |  | 9,439 |  |  | 6,166 |  |  | 854 |  |  | 5,793 |  |  | 41,961 |  |  | 79,724 |
Pass | 10,223 |  |  | 5,288 |  |  | 9,439 |  |  | 6,166 |  |  | 854 |  |  | 5,749 |  |  | 41,949 |  |  | 79,668 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 44 |  |  | 12 |  |  | 56 |
Total | $ | 1,376,833 |  |  | $ | 1,180,456 |  |  | $ | 826,107 |  |  | $ | 564,204 |  |  | $ | 455,685 |  |  | $ | 1,327,265 |  |  | $ | 1,002,030 |  |  | $ | 6,732,580 |
Age Analysis of Past Due Loans by Segment | The following tables delineate the aging analysis of the recorded investments in past due loans as of September 30, 2021 and December 31, 2020. Also included in these tables are loans that are 90 days or more past due and still accruing because they are well-secured and in the process of collection.
| September 30, 2021
| 30 - 59 days past due |  | 60 - 89 days past due |  | 90 days or greater and still accruing |  | Nonaccrual |  | Total past due and nonaccrual |  | Current |  | Total
| (dollars in thousands)
Commercial, financial, agricultural and other | $ | 158 |  |  | $ | 478 |  |  | $ | 33 |  |  | $ | 4,554 |  |  | $ | 5,223 |  |  | $ | 1,219,368 |  |  | $ | 1,224,591 |
Time and demand | 23 |  |  | 459 |  |  | — |  |  | 4,554 |  |  | 5,036 |  |  | 1,205,658 |  |  | 1,210,694 |
Commercial credit cards | 135 |  |  | 19 |  |  | 33 |  |  | — |  |  | 187 |  |  | 13,710 |  |  | 13,897 |
Real estate construction | — |  |  | — |  |  | — |  |  | 54 |  |  | 54 |  |  | 423,962 |  |  | 424,016 |
Residential real estate | 3,354 |  |  | 824 |  |  | 411 |  |  | 6,046 |  |  | 10,635 |  |  | 1,864,740 |  |  | 1,875,375 |
Residential first lien | 2,217 |  |  | 272 |  |  | 172 |  |  | 3,036 |  |  | 5,697 |  |  | 1,248,445 |  |  | 1,254,142 |
Residential junior lien/home equity | 1,137 |  |  | 552 |  |  | 239 |  |  | 3,010 |  |  | 4,938 |  |  | 616,295 |  |  | 621,233 |
Commercial real estate | 177 |  |  | 45 |  |  | — |  |  | 19,782 |  |  | 20,004 |  |  | 2,211,886 |  |  | 2,231,890 |
Multifamily | — |  |  | — |  |  | — |  |  | 435 |  |  | 435 |  |  | 405,285 |  |  | 405,720 |
Nonowner occupied | 175 |  |  | — |  |  | — |  |  | 17,783 |  |  | 17,958 |  |  | 1,424,887 |  |  | 1,442,845 |
Owner occupied | 2 |  |  | 45 |  |  | — |  |  | 1,564 |  |  | 1,611 |  |  | 381,714 |  |  | 383,325 |
Loans to individuals | 1,751 |  |  | 351 |  |  | 691 |  |  | 240 |  |  | 3,033 |  |  | 973,675 |  |  | 976,708 |
Automobile | 1,363 |  |  | 83 |  |  | 158 |  |  | 184 |  |  | 1,788 |  |  | 884,579 |  |  | 886,367 |
Consumer credit cards | 50 |  |  | 22 |  |  | 25 |  |  | — |  |  | 97 |  |  | 10,520 |  |  | 10,617 |
Consumer other | 338 |  |  | 246 |  |  | 508 |  |  | 56 |  |  | 1,148 |  |  | 78,576 |  |  | 79,724 |
Total loans | $ | 5,440 |  |  | $ | 1,698 |  |  | $ | 1,135 |  |  | $ | 30,676 |  |  | $ | 38,949 |  |  | $ | 6,693,631 |  |  | $ | 6,732,580 |
| December 31, 2020
| 30 - 59 days past due |  | 60 - 89 days past due |  | 90 days or greater and still accruing |  | Nonaccrual |  | Total past due and nonaccrual |  | Current |  | Total
| (dollars in thousands)
Commercial, financial, agricultural and other | $ | 146 |  |  | $ | 62 |  |  | $ | 112 |  |  | $ | 3,317 |  |  | $ | 3,637 |  |  | $ | 1,552,349 |  |  | $ | 1,555,986 |
Time and demand | 97 |  |  | 28 |  |  | 23 |  |  | 3,317 |  |  | 3,465 |  |  | 1,537,917 |  |  | 1,541,382 |
Commercial credit cards | 49 |  |  | 34 |  |  | 89 |  |  | — |  |  | 172 |  |  | 14,432 |  |  | 14,604 |
Real estate construction | 936 |  |  | — |  |  | — |  |  | 54 |  |  | 990 |  |  | 426,231 |  |  | 427,221 |
Residential real estate | 3,883 |  |  | 1,492 |  |  | 769 |  |  | 6,824 |  |  | 12,968 |  |  | 1,737,624 |  |  | 1,750,592 |
Residential first lien | 1,775 |  |  | 660 |  |  | 267 |  |  | 3,489 |  |  | 6,191 |  |  | 1,138,132 |  |  | 1,144,323 |
Residential junior lien/home equity | 2,108 |  |  | 832 |  |  | 502 |  |  | 3,335 |  |  | 6,777 |  |  | 599,492 |  |  | 606,269 |
Commercial real estate | 237 |  |  | 160 |  |  | 3 |  |  | 35,072 |  |  | 35,472 |  |  | 2,176,097 |  |  | 2,211,569 |
Multifamily | — |  |  | — |  |  | — |  |  | 460 |  |  | 460 |  |  | 370,779 |  |  | 371,239 |
Nonowner occupied | 18 |  |  | 104 |  |  | — |  |  | 31,822 |  |  | 31,944 |  |  | 1,389,207 |  |  | 1,421,151 |
Owner occupied | 219 |  |  | 56 |  |  | 3 |  |  | 2,790 |  |  | 3,068 |  |  | 416,111 |  |  | 419,179 |
Loans to individuals | 2,870 |  |  | 852 |  |  | 639 |  |  | 274 |  |  | 4,635 |  |  | 811,180 |  |  | 815,815 |
Automobile | 2,090 |  |  | 417 |  |  | 94 |  |  | 261 |  |  | 2,862 |  |  | 709,938 |  |  | 712,800 |
Consumer credit cards | 52 |  |  | 39 |  |  | 123 |  |  | — |  |  | 214 |  |  | 12,146 |  |  | 12,360 |
Consumer other | 728 |  |  | 396 |  |  | 422 |  |  | 13 |  |  | 1,559 |  |  | 89,096 |  |  | 90,655 |
Total loans | $ | 8,072 |  |  | $ | 2,566 |  |  | $ | 1,523 |  |  | $ | 45,541 |  |  | $ | 57,702 |  |  | $ | 6,703,481 |  |  | $ | 6,761,183 |
Recorded Investment and Unpaid Principal Balance for Impaired Loans with Associated Allowance | The following tables include the recorded investment and unpaid principal balance for nonperforming loans with the associated allowance amount, if applicable, as of September 30, 2021 and December 31, 2020. Also presented are the average recorded investment in nonperforming loans and the related amount of interest recognized while the loan was considered nonperforming. Average balances are calculated using month-end balances of the loans for the period reported and are included in the table below based on their period-end allowance position.
| September 30, 2021 |  | December 31, 2020
| Recorded investment |  | Unpaid principal balance |  | Related allowance |  | Recorded investment |  | Unpaid principal balance |  | Related allowance
| (dollars in thousands)
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | $ | 4,836 |  |  | $ | 15,308 |  |  |  |  | $ | 2,025 |  |  | $ | 2,725 |  |  |
Time and demand | 4,836 |  |  | 15,308 |  |  |  |  | 2,025 |  |  | 2,725 |  |  |
Real estate construction | 54 |  |  | 53 |  |  |  |  | 54 |  |  | 53 |  |  |
Residential real estate | 9,910 |  |  | 12,101 |  |  |  |  | 10,939 |  |  | 13,258 |  |  |
Residential first lien | 5,599 |  |  | 7,003 |  |  |  |  | 6,062 |  |  | 7,575 |  |  |
Residential junior lien/home equity | 4,311 |  |  | 5,098 |  |  |  |  | 4,877 |  |  | 5,683 |  |  |
Commercial real estate | 13,176 |  |  | 13,981 |  |  |  |  | 20,650 |  |  | 23,641 |  |  |
Multifamily | — |  |  | — |  |  |  |  | 1 |  |  | 82 |  |  |
Nonowner occupied | 11,531 |  |  | 12,147 |  |  |  |  | 16,786 |  |  | 19,459 |  |  |
Owner occupied | 1,645 |  |  | 1,834 |  |  |  |  | 3,863 |  |  | 4,100 |  |  |
Loans to individuals | 498 |  |  | 537 |  |  |  |  | 418 |  |  | 447 |  |  |
Automobile | 442 |  |  | 476 |  |  |  |  | 405 |  |  | 430 |  |  |
Consumer other | 56 |  |  | 61 |  |  |  |  | 13 |  |  | 17 |  |  |
Subtotal | 28,474 |  |  | 41,980 |  |  |  |  | 34,086 |  |  | 40,124 |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | 1,899 |  |  | 1,898 |  |  | $ | 479 |  |  | 4,210 |  |  | 9,377 |  |  | $ | 1,268 |
Time and demand | 1,899 |  |  | 1,898 |  |  | 479 |  |  | 4,210 |  |  | 9,377 |  |  | 1,268 |
Real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential first lien | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential junior lien/home equity | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 7,713 |  |  | 7,794 |  |  | 501 |  |  | 15,757 |  |  | 15,830 |  |  | 3,638 |
Multifamily | 435 |  |  | 456 |  |  | 103 |  |  | 459 |  |  | 470 |  |  | 116 |
Nonowner occupied | 6,917 |  |  | 6,979 |  |  | 338 |  |  | 15,060 |  |  | 15,122 |  |  | 3,508 |
Owner occupied | 361 |  |  | 359 |  |  | 60 |  |  | 238 |  |  | 238 |  |  | 14 |
Loans to individuals | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Automobile | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Subtotal | 9,612 |  |  | 9,692 |  |  | 980 |  |  | 19,967 |  |  | 25,207 |  |  | 4,906 |
Total | $ | 38,086 |  |  | $ | 51,672 |  |  | $ | 980 |  |  | $ | 54,053 |  |  | $ | 65,331 |  |  | $ | 4,906 |
|  |  |  |  | For the Nine Months Ended September 30,
|  |  |  |  | 2021 |  | 2020
|  |  | Total Loans |  | Originated Loans |  | Acquired Loans
|  |  |  |  | Average recorded investment |  | Interest income recognized |  | Average recorded investment |  | Interest income recognized |  | Average recorded investment |  | Interest income recognized
|  |  |  |  | (dollars in thousands)
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  |  |  |  | $ | 9,266 |  |  | $ | 50 |  |  | $ | 4,062 |  |  | $ | 15 |  |  | $ | 74 |  |  | $ | — |
Time and demand |  |  |  |  | 9,266 |  |  | 50 |  |  |  |  |  |  |  |  |
Real estate construction |  |  |  |  | 54 |  |  | — |  |  | 6 |  |  | — |  |  | 137 |  |  | — |
Residential real estate |  |  |  |  | 10,504 |  |  | 275 |  |  | 10,380 |  |  | 235 |  |  | 1,772 |  |  | 18 |
Residential first lien |  |  |  |  | 5,734 |  |  | 210 |  |  |  |  |  |  |  |  |
Residential junior lien/home equity |  |  |  |  | 4,770 |  |  | 65 |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  | 20,813 |  |  | 101 |  |  | 13,994 |  |  | 90 |  |  | 1,453 |  |  | 76 |
Multifamily |  |  |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Nonowner occupied |  |  |  |  | 18,050 |  |  | 15 |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  | 2,763 |  |  | 86 |  |  |  |  |  |  |  |  |
Loans to individuals |  |  |  |  | 486 |  |  | 12 |  |  | 469 |  |  | 9 |  |  | 11 |  |  | — |
Automobile |  |  |  |  | 433 |  |  | 12 |  |  |  |  |  |  |  |  |
Consumer other |  |  |  |  | 53 |  |  | — |  |  |  |  |  |  |  |  |
Subtotal |  |  |  |  | 41,123 |  |  | 438 |  |  | 28,911 |  |  | 349 |  |  | 3,447 |  |  | 94 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  |  |  |  | 1,820 |  |  | 50 |  |  | 4,569 |  |  | 45 |  |  | — |  |  | — |
Time and demand |  |  |  |  | 1,820 |  |  | 50 |  |  |  |  |  |  |  |  |
Real estate construction |  |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential first lien |  |  |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Residential junior lien/home equity |  |  |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  | 7,408 |  |  | — |  |  | 13,830 |  |  | 9 |  |  | — |  |  | — |
Multifamily |  |  |  |  | 451 |  |  | — |  |  |  |  |  |  |  |  |
Nonowner occupied |  |  |  |  | 6,917 |  |  | — |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  | 40 |  |  | — |  |  |  |  |  |  |  |  |
Loans to individuals |  |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Automobile |  |  |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Consumer other |  |  |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Subtotal |  |  |  |  | 9,228 |  |  | 50 |  |  | 18,399 |  |  | 54 |  |  | — |  |  | — |
Total |  |  |  |  | $ | 50,351 |  |  | $ | 488 |  |  | $ | 47,310 |  |  | $ | 403 |  |  | $ | 3,447 |  |  | $ | 94 |
|  |  |  |  | For the Three Months Ended September 30,
|  |  |  |  | 2021 |  | 2020
|  |  | Total Loans |  | Originated Loans |  | Acquired Loans
|  |  |  |  | Average recorded investment |  | Interest income recognized |  | Average recorded investment |  | Interest Income Recognized |  | Average recorded investment |  | Interest Income Recognized
|  |  |  |  | (dollars in thousands)
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  |  |  |  | $ | 9,858 |  |  | $ | 3 |  |  | $ | 1,918 |  |  | $ | 10 |  |  | $ | 74 |  |  | $ | — |
Time and demand |  |  |  |  | 9,858 |  |  | 3 |  |  |  |  |  |  |  |  |
Real estate construction |  |  |  |  | 54 |  |  | — |  |  | 18 |  |  | — |  |  | 308 |  |  | — |
Residential real estate |  |  |  |  | 10,060 |  |  | 54 |  |  | 10,198 |  |  | 72 |  |  | 1,473 |  |  | 1 |
Residential first lien |  |  |  |  | 5,558 |  |  | 34 |  |  |  |  |  |  |  |  |
Residential junior lien/home equity |  |  |  |  | 4,502 |  |  | 20 |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  | 15,967 |  |  | 68 |  |  | 14,312 |  |  | 23 |  |  | 1,440 |  |  | 76 |
Multifamily |  |  |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Nonowner occupied |  |  |  |  | 13,633 |  |  | 4 |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  | 2,334 |  |  | 64 |  |  |  |  |  |  |  |  |
Loans to individuals |  |  |  |  | 504 |  |  | 6 |  |  | 494 |  |  | 3 |  |  | 11 |  |  | — |
Automobile |  |  |  |  | 448 |  |  | 6 |  |  |  |  |  |  |  |  |
Consumer other |  |  |  |  | 56 |  |  | — |  |  |  |  |  |  |  |  |
Subtotal |  |  |  |  | 36,443 |  |  | 131 |  |  | 26,940 |  |  | 108 |  |  | 3,306 |  |  | 77 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  |  |  |  | 1,842 |  |  | 19 |  |  | 6,423 |  |  | 16 |  |  | — |  |  | — |
Time and demand |  |  |  |  | 1,842 |  |  | 19 |  |  |  |  |  |  |  |  |
Real estate construction |  |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential first lien |  |  |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Residential junior lien/home equity |  |  |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Commercial real estate |  |  |  |  | 7,476 |  |  | — |  |  | 17,407 |  |  | 3 |  |  | — |  |  | — |
Multifamily |  |  |  |  | 439 |  |  | — |  |  |  |  |  |  |  |  |
Nonowner occupied |  |  |  |  | 6,917 |  |  | — |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  | 120 |  |  | — |  |  |  |  |  |  |  |  |
Loans to individuals |  |  |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Automobile |  |  |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Consumer other |  |  |  |  | — |  |  | — |  |  |  |  |  |  |  |  |
Subtotal |  |  |  |  | 9,318 |  |  | 19 |  |  | 23,830 |  |  | 19 |  |  | — |  |  | — |
Total |  |  |  |  | $ | 45,761 |  |  | $ | 150 |  |  | $ | 50,770 |  |  | $ | 127 |  |  | $ | 3,306 |  |  | $ | 77 |
Troubled Debt Restructured Loans and Commitments | The following table provides detail as to the total troubled debt restructured loans and total commitments outstanding on troubled debt restructured loans:
| September 30, 2021 |  | December 31, 2020
| (dollars in thousands)
Troubled debt restructured loans |  |  |
Accrual status | $ | 7,410 |  |  | $ | 8,512 |
Nonaccrual status | 16,210 |  |  | 14,740 |
Total | $ | 23,620 |  |  | $ | 23,252 |
Commitments |  |  |
Letters of credit | $ | 60 |  |  | $ | 60 |
Unused lines of credit | 15 |  |  | 11 |
Total | $ | 75 |  |  | $ | 71 |
Financing Receivable, New Troubled Debt Restructuring | The following tables provide detail, including specific reserves and reasons for modification, related to loans identified as troubled debt restructurings:
| For the Nine Months Ended September 30, 2021
|  |  | Type of Modification |  |  |  |  |  |
| Number of Contracts |  | Extend Maturity |  | Modify Rate |  | Modify Payments |  | Total Pre-Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment |  | Specific Reserve
| (dollars in thousands)
Commercial, financial, agricultural and other | 6 |  |  | $ | — |  |  | $ | — |  |  | $ | 6,803 |  |  | $ | 6,803 |  |  | $ | 2,895 |  |  | $ | — |
Time and demand | 6 |  |  | — |  |  | — |  |  | 6,803 |  |  | 6,803 |  |  | 2,895 |  |  | — |
Residential real estate | 13 |  |  | — |  |  | 219 |  |  | 301 |  |  | 520 |  |  | 500 |  |  | — |
Residential first lien | 10 |  |  | — |  |  | 219 |  |  | 171 |  |  | 390 |  |  | 375 |  |  | — |
Residential junior lien/home equity | 3 |  |  | — |  |  | — |  |  | 130 |  |  | 130 |  |  | 125 |  |  | — |
Commercial real estate | 2 |  |  | — |  |  | — |  |  | 644 |  |  | 644 |  |  | 645 |  |  | — |
Nonowner occupied | 2 |  |  | — |  |  | — |  |  | 644 |  |  | 644 |  |  | 645 |  |  | — |
Loans to individuals | 7 |  |  | — |  |  | 110 |  |  | 63 |  |  | 173 |  |  | 151 |  |  | — |
Automobile | 7 |  |  | — |  |  | 110 |  |  | 63 |  |  | 173 |  |  | 151 |  |  | — |
Total | 28 |  |  | $ | — |  |  | $ | 329 |  |  | $ | 7,811 |  |  | $ | 8,140 |  |  | $ | 4,191 |  |  | $ | — |
| For the Nine Months Ended September 30, 2020
|  |  | Type of Modification |  |  |  |  |  |
| Number of Contracts |  | Extend Maturity |  | Modify Rate |  | Modify Payments |  | Total Pre-Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment |  | Specific Reserve
| (dollars in thousands)
Commercial, financial, agricultural and other | 1 |  |  | $ | — |  |  | $ | 629 |  |  | $ | — |  |  | $ | 629 |  |  | $ | 625 |  |  | $ | 489 |
Residential real estate | 16 |  |  | — |  |  | 33 |  |  | 844 |  |  | 877 |  |  | 729 |  |  | — |
Commercial real estate | 2 |  |  | — |  |  | — |  |  | 12 |  |  | 12 |  |  | 8 |  |  | — |
Loans to individuals | 14 |  |  | — |  |  | 114 |  |  | 149 |  |  | 263 |  |  | 245 |  |  | — |
Total | 33 |  |  | $ | — |  |  | $ | 776 |  |  | $ | 1,005 |  |  | $ | 1,781 |  |  | $ | 1,607 |  |  | $ | 489 |
The following tables provide detail, including specific reserves and reasons for modification, related to loans identified as troubled debt restructurings:
| For the Three Months Ended September 30, 2021
|  |  | Type of Modification |  |  |  |  |  |  |  |
| Number of Contracts |  | Extend Maturity |  | Modify Rate |  | Modify Payments |  |  |  | Total Pre-Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment |  | Specific Reserve
| (dollars in thousands)
Commercial, financial, agricultural and other | 5 |  |  | $ | — |  |  | $ | — |  |  | $ | 206 |  |  |  |  | $ | 206 |  |  | $ | 202 |  |  | $ | — |
Time and demand | 5 |  |  | — |  |  | — |  |  | 206 |  |  |  |  | 206 |  |  | 202 |  |  | — |
Residential real estate | 5 |  |  | — |  |  | 113 |  |  | 117 |  |  |  |  | 230 |  |  | 221 |  |  | — |
Residential first lien | 3 |  |  | — |  |  | 113 |  |  | — |  |  |  |  | 113 |  |  | 109 |  |  | — |
Residential junior lien/home equity | 2 |  |  | — |  |  | — |  |  | 117 |  |  |  |  | 117 |  |  | 112 |  |  | — |
Commercial real estate | 2 |  |  | — |  |  | — |  |  | 644 |  |  |  |  | 644 |  |  | 645 |  |  | — |
Nonowner occupied | 2 |  |  | — |  |  | — |  |  | 644 |  |  |  |  | 644 |  |  | 645 |  |  | — |
Loans to individuals | 3 |  |  | — |  |  | 17 |  |  | 63 |  |  |  |  | 80 |  |  | 76 |  |  | — |
Automobile | 3 |  |  | — |  |  | 17 |  |  | 63 |  |  |  |  | 80 |  |  | 76 |  |  | — |
Total | 15 |  |  | $ | — |  |  | $ | 130 |  |  | $ | 1,030 |  |  |  |  | $ | 1,160 |  |  | $ | 1,144 |  |  | $ | — |
| For the Three Months Ended September 30, 2020
|  |  | Type of Modification |  |  |  |  |  |
| Number of Contracts |  | Extend Maturity |  | Modify Rate |  | Modify Payments |  | Total Pre-Modification Outstanding Recorded Investment |  | Post- Modification Outstanding Recorded Investment |  | Specific Reserve
| (dollars in thousands)
Commercial, financial, agricultural and other | 1 |  |  | $ | — |  |  | $ | 629 |  |  | $ | — |  |  | $ | 629 |  |  | $ | 625 |  |  | $ | 489 |
Residential real estate | 12 |  |  | — |  |  | 33 |  |  | 580 |  |  | 613 |  |  | 477 |  |  | — |
Loans to individuals | 4 |  |  | — |  |  | 43 |  |  | 24 |  |  | 67 |  |  | 63 |  |  | — |
Total | 17 |  |  | $ | — |  |  | $ | 705 |  |  | $ | 604 |  |  | $ | 1,309 |  |  | $ | 1,165 |  |  | $ | 489 |
Troubled Debt Restructuring Subsequent Default [Table Text Block] | A troubled debt restructuring is considered to be in default when a restructured loan is 90 days or more past due. The following table provides information related to loans that were restructured within the past twelve months and that were considered to be in default during the nine months ended September 30:
| 2021 |  | 2020
| Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
| (dollars in thousands)
Residential real estate | — |  |  | $ | — |  |  | 1 |  |  | $ | 50 |
Commercial real estate | — |  |  | — |  |  | 1 |  |  | 112 |
Loans to individuals | — |  |  | — |  |  | 2 |  |  | 78 |
Total | — |  |  | $ | — |  |  | 4 |  |  | $ | 240 |
The following table provides information related to loans that were restructured within the past twelve months and that were considered to be in default during the three months ended September 30:
| 2021 |  | 2020
| Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
| (dollars in thousands)
Commercial real estate | — |  |  | $ | — |  |  | 1 |  |  | $ | 112 |
Loans to individuals | — |  |  | — |  |  | 2 |  |  | 78 |
Total | — |  |  | $ | — |  |  | 3 |  |  | $ | 190 |
Allowance for Credit Losses | The following tables provide detail related to the allowance for credit losses:
| For the Nine Months Ended September 30, 2021
| Beginning balance |  | Charge-offs |  | Recoveries |  | Provision (credit)a |  | Ending balance
| (dollars in thousands)
Commercial, financial, agricultural and other | $ | 17,187 |  |  | $ | (6,522) |  |  | $ | 299 |  |  | $ | 6,898 |  |  | $ | 17,862 |
Time and demand | 16,838 |  |  | (6,397) |  |  | 292 |  |  | 6,849 |  |  | 17,582 |
Commercial credit cards | 349 |  |  | (125) |  |  | 7 |  |  | 49 |  |  | 280 |
Real estate construction | 7,966 |  |  | — |  |  | 135 |  |  | (3,768) |  |  | 4,333 |
Residential real estate | 14,358 |  |  | (130) |  |  | 309 |  |  | (1,732) |  |  | 12,805 |
Residential first lien | 7,919 |  |  | (36) |  |  | 206 |  |  | (632) |  |  | 7,457 |
Residential junior lien/home equity | 6,439 |  |  | (94) |  |  | 103 |  |  | (1,100) |  |  | 5,348 |
Commercial real estate | 41,953 |  |  | (1,659) |  |  | 130 |  |  | (5,784) |  |  | 34,640 |
Multifamily | 6,240 |  |  | (1) |  |  | — |  |  | (2,408) |  |  | 3,831 |
Nonowner occupied | 28,414 |  |  | (1,556) |  |  | 120 |  |  | (880) |  |  | 26,098 |
Owner occupied | 7,299 |  |  | (102) |  |  | 10 |  |  | (2,496) |  |  | 4,711 |
Loans to individuals | 19,845 |  |  | (3,199) |  |  | 1,163 |  |  | 6,736 |  |  | 24,545 |
Automobile | 16,133 |  |  | (1,399) |  |  | 826 |  |  | 5,642 |  |  | 21,202 |
Consumer credit cards | 635 |  |  | (372) |  |  | 51 |  |  | 182 |  |  | 496 |
Consumer other | 3,077 |  |  | (1,428) |  |  | 286 |  |  | 912 |  |  | 2,847 |
Total loans | $ | 101,309 |  |  | $ | (11,510) |  |  | $ | 2,036 |  |  | $ | 2,350 |  |  | $ | 94,185 |
a) The provision expense(credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
| For the Nine Months Ended September 30, 2021
|  |  |  |  |  |  | Loans
| Ending balance |  | Ending balance: individually evaluated for credit losses |  | Ending balance: collectively evaluated for credit losses |  | Ending balance |  | Ending balance: individually evaluated for credit losses |  | Ending balance: collectively evaluated for credit losses
| (dollars in thousands)
Commercial, financial, agricultural and other | $ | 17,862 |  |  | $ | 479 |  |  | $ | 17,383 |  |  | $ | 1,224,591 |  |  | $ | 5,561 |  |  | $ | 1,219,030 |
Time and demand | 17,582 |  |  | 479 |  |  | 17,103 |  |  | 1,210,694 |  |  | 5,561 |  |  | 1,205,133 |
Commercial credit cards | 280 |  |  | — |  |  | 280 |  |  | 13,897 |  |  | — |  |  | 13,897 |
Real estate construction | 4,333 |  |  | — |  |  | 4,333 |  |  | 424,016 |  |  | — |  |  | 424,016 |
Residential real estate | 12,805 |  |  | — |  |  | 12,805 |  |  | 1,875,375 |  |  | 254 |  |  | 1,875,121 |
Residential first lien | 7,457 |  |  | — |  |  | 7,457 |  |  | 1,254,142 |  |  | — |  |  | 1,254,142 |
Residential junior lien/home equity | 5,348 |  |  | — |  |  | 5,348 |  |  | 621,233 |  |  | 254 |  |  | 620,979 |
Commercial real estate | 34,640 |  |  | 501 |  |  | 34,139 |  |  | 2,231,890 |  |  | 20,333 |  |  | 2,211,557 |
Multifamily | 3,831 |  |  | 103 |  |  | 3,728 |  |  | 405,720 |  |  | 435 |  |  | 405,285 |
Nonowner occupied | 26,098 |  |  | 338 |  |  | 25,760 |  |  | 1,442,845 |  |  | 18,314 |  |  | 1,424,531 |
Owner occupied | 4,711 |  |  | 60 |  |  | 4,651 |  |  | 383,325 |  |  | 1,584 |  |  | 381,741 |
Loans to individuals | 24,545 |  |  | — |  |  | 24,545 |  |  | 976,708 |  |  | — |  |  | 976,708 |
Automobile | 21,202 |  |  | — |  |  | 21,202 |  |  | 886,367 |  |  | — |  |  | 886,367 |
Consumer credit cards | 496 |  |  | — |  |  | 496 |  |  | 10,617 |  |  | — |  |  | 10,617 |
Consumer other | 2,847 |  |  | — |  |  | 2,847 |  |  | 79,724 |  |  | — |  |  | 79,724 |
Total loans | $ | 94,185 |  |  | $ | 980 |  |  | $ | 93,205 |  |  | $ | 6,732,580 |  |  | $ | 26,148 |  |  | $ | 6,706,432 |
| For the Nine Months Ended September 30, 2020
| Commercial, financial, agricultural and other |  | Real estate construction |  | Residential real estate |  | Commercial real estate |  | Loans to individuals |  |  |  | Total
| (dollars in thousands)
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 20,221 |  |  | $ | 2,558 |  |  | $ | 4,091 |  |  | $ | 19,731 |  |  | $ | 4,984 |  |  |  |  | $ | 51,585 |
Charge-offs | (5,166) |  |  | — |  |  | (720) |  |  | (2,415) |  |  | (4,958) |  |  |  |  | (13,259) |
Recoveries | 161 |  |  | 26 |  |  | 274 |  |  | 154 |  |  | 702 |  |  |  |  | 1,317 |
Provision (credit) | 9,936 |  |  | 924 |  |  | 4,607 |  |  | 23,132 |  |  | 8,087 |  |  |  |  | 46,686 |
Ending balance | 25,152 |  |  | 3,508 |  |  | 8,252 |  |  | 40,602 |  |  | 8,815 |  |  |  |  | 86,329 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | 13 |  |  | — |  |  | 2 |  |  | 37 |  |  | — |  |  |  |  | 52 |
Charge-offs | — |  |  | — |  |  | (213) |  |  | (2) |  |  | (287) |  |  |  |  | (502) |
Recoveries | 28 |  |  | — |  |  | 38 |  |  | — |  |  | 10 |  |  |  |  | 76 |
Provision (credit) | 295 |  |  | — |  |  | 173 |  |  | 1,607 |  |  | 277 |  |  |  |  | 2,352 |
Ending balance | 336 |  |  | — |  |  | — |  |  | 1,642 |  |  | — |  |  |  |  | 1,978 |
Total ending balance | $ | 25,488 |  |  | $ | 3,508 |  |  | $ | 8,252 |  |  | $ | 42,244 |  |  | $ | 8,815 |  |  |  |  | $ | 88,307 |
Ending balance: individually evaluated for impairment | $ | 1,497 |  |  | $ | — |  |  | $ | — |  |  | $ | 5,921 |  |  | $ | — |  |  |  |  | $ | 7,418 |
Ending balance: collectively evaluated for impairment | 23,991 |  |  | 3,508 |  |  | 8,252 |  |  | 36,323 |  |  | 8,815 |  |  |  |  | 80,889 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | 1,736,736 |  |  | 452,989 |  |  | 1,744,020 |  |  | 2,215,311 |  |  | 800,660 |  |  |  |  | 6,949,716 |
Ending balance: individually evaluated for impairment | 5,048 |  |  | 308 |  |  | 1,226 |  |  | 30,387 |  |  | — |  |  |  |  | 36,969 |
Ending balance: collectively evaluated for impairment | 1,731,688 |  |  | 452,681 |  |  | 1,742,794 |  |  | 2,184,924 |  |  | 800,660 |  |  |  |  | 6,912,747 |
| For the Three Months Ended September 30, 2021
| Beginning balance |  | Charge-offs |  | Recoveries |  | Provision (credit)a |  | Ending balance
| (dollars in thousands)
Commercial, financial, agricultural and other | $ | 21,466 |  |  | $ | (2,066) |  |  | $ | 106 |  |  | $ | (1,644) |  |  | $ | 17,862 |
Time and demand | 21,098 |  |  | (2,059) |  |  | 104 |  |  | (1,561) |  |  | 17,582 |
Commercial credit cards | 368 |  |  | (7) |  |  | 2 |  |  | (83) |  |  | 280 |
Real estate construction | 4,285 |  |  | — |  |  | — |  |  | 48 |  |  | 4,333 |
Residential real estate | 12,933 |  |  | (11) |  |  | 98 |  |  | (215) |  |  | 12,805 |
Residential first lien | 7,394 |  |  | — |  |  | 24 |  |  | 39 |  |  | 7,457 |
Residential junior lien/home equity | 5,539 |  |  | (11) |  |  | 74 |  |  | (254) |  |  | 5,348 |
Commercial real estate | 35,795 |  |  | (102) |  |  | 90 |  |  | (1,143) |  |  | 34,640 |
Multifamily | 4,379 |  |  | — |  |  | — |  |  | (548) |  |  | 3,831 |
Nonowner occupied | 26,911 |  |  | — |  |  | 80 |  |  | (893) |  |  | 26,098 |
Owner occupied | 4,505 |  |  | (102) |  |  | 10 |  |  | 298 |  |  | 4,711 |
Loans to individuals | 22,559 |  |  | (727) |  |  | 335 |  |  | 2,378 |  |  | 24,545 |
Automobile | 19,298 |  |  | (331) |  |  | 251 |  |  | 1,984 |  |  | 21,202 |
Consumer credit cards | 528 |  |  | (125) |  |  | 9 |  |  | 84 |  |  | 496 |
Consumer other | 2,733 |  |  | (271) |  |  | 75 |  |  | 310 |  |  | 2,847 |
Total loans | $ | 97,038 |  |  | $ | (2,906) |  |  | $ | 629 |  |  | $ | (576) |  |  | $ | 94,185 |
a) The provision expense(credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
| For the Three Months Ended September 30, 2020
| Commercial, financial, agricultural and other |  | Real estate construction |  | Residential real estate |  | Commercial real estate |  | Loans to individuals |  |  |  | Total
| (dollars in thousands)
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |
Originated loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 24,812 |  |  | $ | 3,067 |  |  | $ | 9,239 |  |  | $ | 33,130 |  |  | $ | 9,334 |  |  |  |  | $ | 79,582 |
Charge-offs | (3,395) |  |  | — |  |  | (161) |  |  | — |  |  | (1,149) |  |  |  |  | (4,705) |
Recoveries | 44 |  |  | — |  |  | 153 |  |  | 110 |  |  | 226 |  |  |  |  | 533 |
Provision (credit) | 3,691 |  |  | 441 |  |  | (979) |  |  | 7,362 |  |  | 404 |  |  |  |  | 10,919 |
Ending balance | 25,152 |  |  | 3,508 |  |  | 8,252 |  |  | 40,602 |  |  | 8,815 |  |  |  |  | 86,329 |
Acquired loans: |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | 332 |  |  | 171 |  |  | — |  |  | 1,356 |  |  | — |  |  |  |  | 1,859 |
Charge-offs | — |  |  | — |  |  | (122) |  |  | — |  |  | (80) |  |  |  |  | (202) |
Recoveries | 13 |  |  | — |  |  | 13 |  |  | — |  |  | 2 |  |  |  |  | 28 |
Provision (credit) | (9) |  |  | (171) |  |  | 109 |  |  | 286 |  |  | 78 |  |  |  |  | 293 |
Ending balance | 336 |  |  | — |  |  | — |  |  | 1,642 |  |  | — |  |  |  |  | 1,978 |
Total ending balance | $ | 25,488 |  |  | $ | 3,508 |  |  | $ | 8,252 |  |  | $ | 42,244 |  |  | $ | 8,815 |  |  |  |  | $ | 88,307 |
| [1]
[1] | a) The provision expense(credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.

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