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v3.23.1

Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2023 | Mar. 31, 2022
Loans and Leases Receivable Disclosure [Abstract] |  |  |
Outstanding Balances of Loan | The following table provides outstanding balances related to each of our loan types:
|  |  |  |  | March 31, 2023 |  |  |  |  |  | December 31, 2022
|  |  |  |  | (dollars in thousands)
Commercial, financial, agricultural and other |  |  |  |  | $ | 1,471,079 |  |  |  |  |  |  | $ | 1,211,706 |
Time and demand |  |  |  |  | 1,254,315 |  |  |  |  |  |  | 1,023,824 |
Commercial credit cards |  |  |  |  | 13,706 |  |  |  |  |  |  | 13,920 |
Equipment finance |  |  |  |  | 109,221 |  |  |  |  |  |  | 79,674 |
Time and demand other |  |  |  |  | 93,837 |  |  |  |  |  |  | 94,288 |
Real estate construction |  |  |  |  | 541,902 |  |  |  |  |  |  | 513,101 |
Construction other |  |  |  |  | 422,831 |  |  |  |  |  |  | 395,439 |
Construction residential |  |  |  |  | 119,071 |  |  |  |  |  |  | 117,662 |
Residential real estate |  |  |  |  | 2,323,867 |  |  |  |  |  |  | 2,194,669 |
Residential first lien |  |  |  |  | 1,660,433 |  |  |  |  |  |  | 1,547,192 |
Residential junior lien/home equity |  |  |  |  | 663,434 |  |  |  |  |  |  | 647,477 |
Commercial real estate |  |  |  |  | 2,991,930 |  |  |  |  |  |  | 2,425,012 |
Multifamily |  |  |  |  | 484,193 |  |  |  |  |  |  | 431,151 |
Nonowner occupied |  |  |  |  | 1,817,453 |  |  |  |  |  |  | 1,510,347 |
Owner occupied |  |  |  |  | 690,284 |  |  |  |  |  |  | 483,514 |
Loans to individuals |  |  |  |  | 1,328,167 |  |  |  |  |  |  | 1,297,655 |
Automobile and recreational vehicles |  |  |  |  | 1,244,874 |  |  |  |  |  |  | 1,210,451 |
Consumer credit cards |  |  |  |  | 9,886 |  |  |  |  |  |  | 10,657 |
Consumer other |  |  |  |  | 73,407 |  |  |  |  |  |  | 76,547 |
Total loans and leases |  |  |  |  | $ | 8,656,945 |  |  |  |  |  |  | $ | 7,642,143 |
Credit Risk Profile by Creditworthiness | The following tables represent our credit risk profile by creditworthiness:
| March 31, 2023
|  |  | Non-Pass |  |  |  |
| Pass |  | OAEM |  | Substandard |  | Doubtful |  | Loss |  | Total Non-Pass |  | Total
| (dollars in thousands)
Commercial, financial, agricultural and other | $ | 1,368,580 |  |  | $ | 63,654 |  |  | $ | 38,845 |  |  | $ | — |  |  | $ | — |  |  | $ | 102,499 |  |  | $ | 1,471,079 |
Time and demand | 1,152,045 |  |  | 63,654 |  |  | 38,616 |  |  | — |  |  | — |  |  | 102,270 |  |  | 1,254,315 |
Commercial credit cards | 13,706 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13,706 |
Equipment finance | 109,020 |  |  | — |  |  | 201 |  |  | — |  |  | — |  |  | 201 |  |  | 109,221 |
Time and demand other | 93,809 |  |  | — |  |  | 28 |  |  | — |  |  | — |  |  | 28 |  |  | 93,837 |
Real estate construction | 540,264 |  |  | 1,638 |  |  | — |  |  | — |  |  | — |  |  | 1,638 |  |  | 541,902 |
Construction other | 421,193 |  |  | 1,638 |  |  | — |  |  | — |  |  | — |  |  | 1,638 |  |  | 422,831 |
Construction residential | 119,071 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 119,071 |
Residential real estate | 2,313,412 |  |  | 2,119 |  |  | 8,336 |  |  | — |  |  | — |  |  | 10,455 |  |  | 2,323,867 |
Residential first lien | 1,654,259 |  |  | 2,119 |  |  | 4,055 |  |  | — |  |  | — |  |  | 6,174 |  |  | 1,660,433 |
Residential junior lien/home equity | 659,153 |  |  | — |  |  | 4,281 |  |  | — |  |  | — |  |  | 4,281 |  |  | 663,434 |
Commercial real estate | 2,917,078 |  |  | 45,500 |  |  | 29,352 |  |  | — |  |  | — |  |  | 74,852 |  |  | 2,991,930 |
Multifamily | 483,668 |  |  | 479 |  |  | 46 |  |  | — |  |  | — |  |  | 525 |  |  | 484,193 |
Nonowner occupied | 1,765,458 |  |  | 28,201 |  |  | 23,794 |  |  | — |  |  | — |  |  | 51,995 |  |  | 1,817,453 |
Owner occupied | 667,952 |  |  | 16,820 |  |  | 5,512 |  |  | — |  |  | — |  |  | 22,332 |  |  | 690,284 |
Loans to individuals | 1,327,738 |  |  | — |  |  | 429 |  |  | — |  |  | — |  |  | 429 |  |  | 1,328,167 |
Automobile and recreational vehicles | 1,244,519 |  |  | — |  |  | 355 |  |  | — |  |  | — |  |  | 355 |  |  | 1,244,874 |
Consumer credit cards | 9,886 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,886 |
Consumer other | 73,333 |  |  | — |  |  | 74 |  |  | — |  |  | — |  |  | 74 |  |  | 73,407 |
Total loans and leases | $ | 8,467,072 |  |  | $ | 112,911 |  |  | $ | 76,962 |  |  | $ | — |  |  | $ | — |  |  | $ | 189,873 |  |  | $ | 8,656,945 |
| December 31, 2022
|  |  | Non-Pass |  |  |  |
| Pass |  | OAEM |  | Substandard |  | Doubtful |  | Loss |  | Total Non-Pass |  | Total
| (dollars in thousands)
Commercial, financial, agricultural and other | $ | 1,164,193 |  |  | $ | 35,389 |  |  | $ | 12,124 |  |  | $ | — |  |  | $ | — |  |  | $ | 47,513 |  |  | $ | 1,211,706 |
Time and demand | 976,346 |  |  | 35,389 |  |  | 12,089 |  |  | — |  |  | — |  |  | 47,478 |  |  | 1,023,824 |
Commercial credit cards | 13,920 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13,920 |
Equipment finance | 79,674 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 79,674 |
Time and demand other | 94,253 |  |  | — |  |  | 35 |  |  | — |  |  | — |  |  | 35 |  |  | 94,288 |
Real estate construction | 513,101 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 513,101 |
Construction other | 395,439 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 395,439 |
Construction residential | 117,662 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 117,662 |
Residential real estate | 2,187,780 |  |  | 736 |  |  | 6,153 |  |  | — |  |  | — |  |  | 6,889 |  |  | 2,194,669 |
Residential first lien | 1,542,854 |  |  | 675 |  |  | 3,663 |  |  | — |  |  | — |  |  | 4,338 |  |  | 1,547,192 |
Residential junior lien/home equity | 644,926 |  |  | 61 |  |  | 2,490 |  |  | — |  |  | — |  |  | 2,551 |  |  | 647,477 |
Commercial real estate | 2,347,000 |  |  | 52,291 |  |  | 25,721 |  |  | — |  |  | — |  |  | 78,012 |  |  | 2,425,012 |
Multifamily | 430,613 |  |  | 488 |  |  | 50 |  |  | — |  |  | — |  |  | 538 |  |  | 431,151 |
Nonowner occupied | 1,439,478 |  |  | 49,037 |  |  | 21,832 |  |  | — |  |  | — |  |  | 70,869 |  |  | 1,510,347 |
Owner occupied | 476,909 |  |  | 2,766 |  |  | 3,839 |  |  | — |  |  | — |  |  | 6,605 |  |  | 483,514 |
Loans to individuals | 1,297,206 |  |  | — |  |  | 449 |  |  | — |  |  | — |  |  | 449 |  |  | 1,297,655 |
Automobile and recreational vehicles | 1,210,090 |  |  | — |  |  | 361 |  |  | — |  |  | — |  |  | 361 |  |  | 1,210,451 |
Consumer credit cards | 10,657 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 10,657 |
Consumer other | 76,459 |  |  | — |  |  | 88 |  |  | — |  |  | — |  |  | 88 |  |  | 76,547 |
Total loans and leases | $ | 7,509,280 |  |  | $ | 88,416 |  |  | $ | 44,447 |  |  | $ | — |  |  | $ | — |  |  | $ | 132,863 |  |  | $ | 7,642,143 |
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:
| March 31, 2023
| Term Loans |  | Revolving Loans |  |
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  | Total
| (dollars in thousands)
Time and demand | $ | 48,152 |  |  | $ | 229,873 |  |  | $ | 173,699 |  |  | $ | 84,221 |  |  | $ | 92,893 |  |  | $ | 108,814 |  |  | $ | 516,663 |  |  | $ | 1,254,315 |
Pass | 48,152 |  |  | 215,243 |  |  | 163,441 |  |  | 73,274 |  |  | 82,030 |  |  | 104,781 |  |  | 465,124 |  |  | 1,152,045 |
OAEM | — |  |  | 14,630 |  |  | 2,806 |  |  | 1,547 |  |  | 1,604 |  |  | 1,224 |  |  | 41,843 |  |  | 63,654 |
Substandard | — |  |  | — |  |  | 7,452 |  |  | 9,400 |  |  | 9,259 |  |  | 2,809 |  |  | 9,696 |  |  | 38,616 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (14) |  |  | (241) |  |  | (255) |
Gross recoveries | — |  |  | — |  |  | — |  |  | 34 |  |  | 4 |  |  | 78 |  |  | — |  |  | 116 |
Commercial credit cards | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13,706 |  |  | 13,706 |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13,706 |  |  | 13,706 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (26) |  |  | (26) |
Gross recoveries | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | 2 |
| March 31, 2023
| Term Loans |  | Revolving Loans |  |
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  | Total
| (dollars in thousands)
Equipment finance | 33,014 |  |  | 76,207 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 109,221 |
Pass | 33,014 |  |  | 76,006 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 109,020 |
Substandard | — |  |  | 201 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 201 |
Gross charge-offs | — |  |  | (45) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (45) |
Gross recoveries | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Time and demand other | 2,251 |  |  | 5,879 |  |  | 19,698 |  |  | 20,130 |  |  | 3,624 |  |  | 39,653 |  |  | 2,602 |  |  | 93,837 |
Pass | 2,251 |  |  | 5,879 |  |  | 19,698 |  |  | 20,130 |  |  | 3,624 |  |  | 39,625 |  |  | 2,602 |  |  | 93,809 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 28 |  |  | — |  |  | 28 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (337) |  |  | (337) |
Gross recoveries | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 41 |  |  | 41 |
Construction other | 2,156 |  |  | 117,145 |  |  | 201,349 |  |  | 65,640 |  |  | 21,922 |  |  | 14,310 |  |  | 309 |  |  | 422,831 |
Pass | 2,156 |  |  | 117,145 |  |  | 199,711 |  |  | 65,640 |  |  | 21,922 |  |  | 14,310 |  |  | 309 |  |  | 421,193 |
OAEM | — |  |  | — |  |  | 1,638 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,638 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Gross recoveries | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction residential | 1,842 |  |  | 103,518 |  |  | 4,429 |  |  | 5,376 |  |  | 3,208 |  |  | — |  |  | 698 |  |  | 119,071 |
Pass | 1,842 |  |  | 103,518 |  |  | 4,429 |  |  | 5,376 |  |  | 3,208 |  |  | — |  |  | 698 |  |  | 119,071 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Gross recoveries | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential first lien | 26,936 |  |  | 300,936 |  |  | 559,299 |  |  | 339,378 |  |  | 102,937 |  |  | 328,714 |  |  | 2,233 |  |  | 1,660,433 |
Pass | 26,936 |  |  | 300,872 |  |  | 557,367 |  |  | 339,288 |  |  | 102,120 |  |  | 325,707 |  |  | 1,969 |  |  | 1,654,259 |
OAEM | — |  |  | — |  |  | 1,571 |  |  | — |  |  | 130 |  |  | 341 |  |  | 77 |  |  | 2,119 |
Substandard | — |  |  | 64 |  |  | 361 |  |  | 90 |  |  | 687 |  |  | 2,666 |  |  | 187 |  |  | 4,055 |
Gross charge-offs | — |  |  | (1) |  |  | — |  |  | (4) |  |  | (1) |  |  | (10) |  |  | — |  |  | (16) |
Gross recoveries | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 26 |  |  | — |  |  | 26 |
Residential junior lien/home equity | 10,373 |  |  | 77,342 |  |  | 49,009 |  |  | 1,563 |  |  | 3,220 |  |  | 6,260 |  |  | 515,667 |  |  | 663,434 |
Pass | 10,373 |  |  | 77,342 |  |  | 49,009 |  |  | 1,563 |  |  | 3,155 |  |  | 6,181 |  |  | 511,530 |  |  | 659,153 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 65 |  |  | 79 |  |  | 4,137 |  |  | 4,281 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (63) |  |  | (63) |
Gross recoveries | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 11 |  |  | 12 |
Multifamily | 1,863 |  |  | 154,628 |  |  | 101,627 |  |  | 79,771 |  |  | 32,764 |  |  | 111,833 |  |  | 1,707 |  |  | 484,193 |
Pass | 1,863 |  |  | 154,628 |  |  | 101,627 |  |  | 79,771 |  |  | 32,764 |  |  | 111,308 |  |  | 1,707 |  |  | 483,668 |
OAEM | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 479 |  |  | — |  |  | 479 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 46 |  |  | — |  |  | 46 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Gross recoveries | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Nonowner occupied | 37,368 |  |  | 401,997 |  |  | 214,359 |  |  | 163,827 |  |  | 247,824 |  |  | 742,094 |  |  | 9,984 |  |  | 1,817,453 |
Pass | 37,368 |  |  | 401,523 |  |  | 214,359 |  |  | 159,321 |  |  | 246,350 |  |  | 697,715 |  |  | 8,822 |  |  | 1,765,458 |
OAEM | — |  |  | — |  |  | — |  |  | 4,506 |  |  | 1,474 |  |  | 21,219 |  |  | 1,002 |  |  | 28,201 |
Substandard | — |  |  | 474 |  |  | — |  |  | — |  |  | — |  |  | 23,160 |  |  | 160 |  |  | 23,794 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Gross recoveries | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 38 |  |  | — |  |  | 38 |
Owner occupied | 23,235 |  |  | 163,650 |  |  | 140,176 |  |  | 95,510 |  |  | 67,131 |  |  | 190,969 |  |  | 9,613 |  |  | 690,284 |
Pass | 23,235 |  |  | 163,055 |  |  | 139,972 |  |  | 88,836 |  |  | 56,667 |  |  | 186,685 |  |  | 9,502 |  |  | 667,952 |
OAEM | — |  |  | 595 |  |  | 182 |  |  | 5,089 |  |  | 9,798 |  |  | 1,123 |  |  | 33 |  |  | 16,820 |
Substandard | — |  |  | — |  |  | 22 |  |  | 1,585 |  |  | 666 |  |  | 3,161 |  |  | 78 |  |  | 5,512 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Gross recoveries | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 4 |
| March 31, 2023
| Term Loans |  | Revolving Loans |  |
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  |  | Total
| (dollars in thousands)
Automobile and recreational vehicles | 129,646 |  |  | 575,915 |  |  | 304,240 |  |  | 157,298 |  |  | 59,302 |  |  | 18,473 |  |  | — |  |  | 1,244,874 |
Pass | 129,646 |  |  | 575,889 |  |  | 304,197 |  |  | 157,204 |  |  | 59,184 |  |  | 18,399 |  |  | — |  |  | 1,244,519 |
Substandard | — |  |  | 26 |  |  | 43 |  |  | 94 |  |  | 118 |  |  | 74 |  |  | — |  |  | 355 |
Gross charge-offs | — |  |  | (266) |  |  | (199) |  |  | (196) |  |  | (102) |  |  | (39) |  |  | — |  |  | (802) |
Gross recoveries | — |  |  | 60 |  |  | 80 |  |  | 92 |  |  | 98 |  |  | 60 |  |  | — |  |  | 390 |
Consumer credit cards | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,886 |  |  | 9,886 |
Pass | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 9,886 |  |  | 9,886 |
Gross charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (66) |  |  | (66) |
Gross recoveries | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 17 |  |  | 17 |
Consumer other | 1,792 |  |  | 5,998 |  |  | 16,226 |  |  | 2,185 |  |  | 2,943 |  |  | 4,818 |  |  | 39,445 |  |  | 73,407 |
Pass | 1,792 |  |  | 5,998 |  |  | 16,226 |  |  | 2,185 |  |  | 2,924 |  |  | 4,814 |  |  | 39,394 |  |  | 73,333 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 19 |  |  | 4 |  |  | 51 |  |  | 74 |
Gross charge-offs | — |  |  | (44) |  |  | (27) |  |  | (3) |  |  | (19) |  |  | (6) |  |  | (174) |  |  | (273) |
Gross recoveries | — |  |  | — |  |  | — |  |  | 1 |  |  | 4 |  |  | 18 |  |  | 41 |  |  | 64 |
Total loans and leases | $ | 318,628 |  |  | $ | 2,213,088 |  |  | $ | 1,784,111 |  |  | $ | 1,014,899 |  |  | $ | 637,768 |  |  | $ | 1,565,938 |  |  | $ | 1,122,513 |  |  | $ | 8,656,945 |
Total charge-offs | — |  |  | (356) |  |  | (226) |  |  | (203) |  |  | (122) |  |  | (69) |  |  | (907) |  |  | (1,883) |
Total recoveries | — |  |  | 60 |  |  | 80 |  |  | 127 |  |  | 106 |  |  | 225 |  |  | 112 |  |  | 710 |
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 March 31, 2023 and December 31, 2022. 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.
| March 31, 2023
| 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 | $ | 1,470 |  |  | $ | 311 |  |  | $ | 551 |  |  | $ | 12,364 |  |  | $ | 14,696 |  |  | $ | 1,456,383 |  |  | $ | 1,471,079 |
Time and demand | 1,462 |  |  | 293 |  |  | 548 |  |  | 12,163 |  |  | 14,466 |  |  | 1,239,849 |  |  | 1,254,315 |
Commercial credit cards | 6 |  |  | 18 |  |  | 1 |  |  | — |  |  | 25 |  |  | 13,681 |  |  | 13,706 |
Equipment finance | — |  |  | — |  |  | — |  |  | 201 |  |  | 201 |  |  | 109,020 |  |  | 109,221 |
Time and demand other | 2 |  |  | — |  |  | 2 |  |  | — |  |  | 4 |  |  | 93,833 |  |  | 93,837 |
Real estate construction | 833 |  |  | — |  |  | — |  |  | — |  |  | 833 |  |  | 541,069 |  |  | 541,902 |
Construction other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 422,831 |  |  | 422,831 |
Construction residential | 833 |  |  | — |  |  | — |  |  | — |  |  | 833 |  |  | 118,238 |  |  | 119,071 |
Residential real estate | 3,787 |  |  | 1,821 |  |  | 280 |  |  | 7,655 |  |  | 13,543 |  |  | 2,310,324 |  |  | 2,323,867 |
Residential first lien | 1,934 |  |  | 1,188 |  |  | 61 |  |  | 3,543 |  |  | 6,726 |  |  | 1,653,707 |  |  | 1,660,433 |
Residential junior lien/home equity | 1,853 |  |  | 633 |  |  | 219 |  |  | 4,112 |  |  | 6,817 |  |  | 656,617 |  |  | 663,434 |
Commercial real estate | 4,623 |  |  | 21 |  |  | — |  |  | 23,786 |  |  | 28,430 |  |  | 2,963,500 |  |  | 2,991,930 |
Multifamily | 68 |  |  | — |  |  | — |  |  | — |  |  | 68 |  |  | 484,125 |  |  | 484,193 |
Nonowner occupied | 1,941 |  |  | — |  |  | — |  |  | 21,111 |  |  | 23,052 |  |  | 1,794,401 |  |  | 1,817,453 |
Owner occupied | 2,614 |  |  | 21 |  |  | — |  |  | 2,675 |  |  | 5,310 |  |  | 684,974 |  |  | 690,284 |
Loans to individuals | 2,141 |  |  | 802 |  |  | 609 |  |  | 429 |  |  | 3,981 |  |  | 1,324,186 |  |  | 1,328,167 |
Automobile and recreational vehicles | 1,786 |  |  | 586 |  |  | 205 |  |  | 355 |  |  | 2,932 |  |  | 1,241,942 |  |  | 1,244,874 |
Consumer credit cards | 41 |  |  | 40 |  |  | — |  |  | — |  |  | 81 |  |  | 9,805 |  |  | 9,886 |
Consumer other | 314 |  |  | 176 |  |  | 404 |  |  | 74 |  |  | 968 |  |  | 72,439 |  |  | 73,407 |
Total loans and leases | $ | 12,854 |  |  | $ | 2,955 |  |  | $ | 1,440 |  |  | $ | 44,234 |  |  | $ | 61,483 |  |  | $ | 8,595,462 |  |  | $ | 8,656,945 |
| December 31, 2022
| 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 | $ | 1,233 |  |  | $ | 279 |  |  | $ | 355 |  |  | $ | 2,374 |  |  | $ | 4,241 |  |  | $ | 1,207,465 |  |  | $ | 1,211,706 |
Time and demand | 1,121 |  |  | 270 |  |  | 352 |  |  | 2,374 |  |  | 4,117 |  |  | 1,019,707 |  |  | 1,023,824 |
Commercial credit cards | 27 |  |  | 9 |  |  | — |  |  | — |  |  | 36 |  |  | 13,884 |  |  | 13,920 |
Equipment finance | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 79,674 |  |  | 79,674 |
Time and demand other | 85 |  |  | — |  |  | 3 |  |  | — |  |  | 88 |  |  | 94,200 |  |  | 94,288 |
Real estate construction | 502 |  |  | — |  |  | — |  |  | — |  |  | 502 |  |  | 512,599 |  |  | 513,101 |
Construction other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 395,439 |  |  | 395,439 |
Construction residential | 502 |  |  | — |  |  | — |  |  | — |  |  | 502 |  |  | 117,160 |  |  | 117,662 |
Residential real estate | 3,023 |  |  | 1,178 |  |  | 811 |  |  | 5,683 |  |  | 10,695 |  |  | 2,183,974 |  |  | 2,194,669 |
Residential first lien | 1,547 |  |  | 771 |  |  | 214 |  |  | 3,369 |  |  | 5,901 |  |  | 1,541,291 |  |  | 1,547,192 |
Residential junior lien/home equity | 1,476 |  |  | 407 |  |  | 597 |  |  | 2,314 |  |  | 4,794 |  |  | 642,683 |  |  | 647,477 |
Commercial real estate | 7,870 |  |  | 25 |  |  | 93 |  |  | 20,539 |  |  | 28,527 |  |  | 2,396,485 |  |  | 2,425,012 |
Multifamily | 202 |  |  | — |  |  | — |  |  | — |  |  | 202 |  |  | 430,949 |  |  | 431,151 |
Nonowner occupied | 7,547 |  |  | — |  |  | 92 |  |  | 19,575 |  |  | 27,214 |  |  | 1,483,133 |  |  | 1,510,347 |
Owner occupied | 121 |  |  | 25 |  |  | 1 |  |  | 964 |  |  | 1,111 |  |  | 482,403 |  |  | 483,514 |
Loans to individuals | 3,268 |  |  | 571 |  |  | 732 |  |  | 449 |  |  | 5,020 |  |  | 1,292,635 |  |  | 1,297,655 |
Automobile and recreational vehicles | 2,694 |  |  | 368 |  |  | 295 |  |  | 361 |  |  | 3,718 |  |  | 1,206,733 |  |  | 1,210,451 |
Consumer credit cards | 53 |  |  | 29 |  |  | 5 |  |  | — |  |  | 87 |  |  | 10,570 |  |  | 10,657 |
Consumer other | 521 |  |  | 174 |  |  | 432 |  |  | 88 |  |  | 1,215 |  |  | 75,332 |  |  | 76,547 |
Total loans and leases | $ | 15,896 |  |  | $ | 2,053 |  |  | $ | 1,991 |  |  | $ | 29,045 |  |  | $ | 48,985 |  |  | $ | 7,593,158 |  |  | $ | 7,642,143 |
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 March 31, 2023 and December 31, 2022. 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. The increase in nonperforming loans is primarily a result of $14.9 million in loans acquired from Centric, offset by the removal of $6.4 million in accruing troubled debt restructurings ("TDR's"). The TDR's were eliminated as a result of our adoption of ASU 2022-02, Financial Instruments Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures ("ASU 2022-02"). This standard was adopted on January 1, 2023 and eliminates the accounting guidance for TDR's while enhancing disclosure requirements for loan modifications for borrowers experiencing financial difficulty.
| March 31, 2023 |  | December 31, 2022
| 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 | $ | 1,808 |  |  | $ | 10,187 |  |  |  |  | $ | 3,141 |  |  | $ | 9,555 |  |  |
Time and demand | 1,607 |  |  | 9,978 |  |  |  |  | 3,141 |  |  | 9,555 |  |  |
Equipment finance | 201 |  |  | 209 |  |  |  |  | — |  |  | — |  |  |
Time and demand other | — |  |  | — |  |  |  |  | — |  |  | — |  |  |
Real estate construction | — |  |  | — |  |  |  |  | — |  |  | — |  |  |
Construction other | — |  |  | — |  |  |  |  | — |  |  | — |  |  |
Construction residential | — |  |  | — |  |  |  |  | — |  |  | — |  |  |
Residential real estate | 6,419 |  |  | 8,312 |  |  |  |  | 9,145 |  |  | 11,010 |  |  |
Residential first lien | 3,543 |  |  | 4,633 |  |  |  |  | 5,754 |  |  | 6,848 |  |  |
Residential junior lien/home equity | 2,876 |  |  | 3,679 |  |  |  |  | 3,391 |  |  | 4,162 |  |  |
Commercial real estate | 22,689 |  |  | 25,685 |  |  |  |  | 21,505 |  |  | 24,119 |  |  |
Multifamily | — |  |  | — |  |  |  |  | — |  |  | — |  |  |
Nonowner occupied | 20,938 |  |  | 23,063 |  |  |  |  | 20,155 |  |  | 22,565 |  |  |
Owner occupied | 1,751 |  |  | 2,622 |  |  |  |  | 1,350 |  |  | 1,554 |  |  |
Loans to individuals | 429 |  |  | 470 |  |  |  |  | 528 |  |  | 563 |  |  |
Automobile and recreational vehicles | 355 |  |  | 396 |  |  |  |  | 440 |  |  | 475 |  |  |
Consumer other | 74 |  |  | 74 |  |  |  |  | 88 |  |  | 88 |  |  |
Subtotal | 31,345 |  |  | 44,654 |  |  |  |  | 34,319 |  |  | 45,247 |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other | 10,556 |  |  | 13,881 |  |  | $ | 9,071 |  |  | 1,168 |  |  | 1,186 |  |  | $ | 711 |
Time and demand | 10,556 |  |  | 13,881 |  |  | 9,071 |  |  | 1,168 |  |  | 1,186 |  |  | 711 |
Equipment finance | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Time and demand other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Construction residential | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate | 1,237 |  |  | 1,406 |  |  | 103 |  |  | — |  |  | — |  |  | — |
Residential first lien | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential junior lien/home equity | 1,237 |  |  | 1,406 |  |  | 103 |  |  | — |  |  | — |  |  | — |
Commercial real estate | 1,096 |  |  | 1,103 |  |  | 588 |  |  | — |  |  | — |  |  | — |
Multifamily | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Nonowner occupied | 173 |  |  | 212 |  |  | 172 |  |  | — |  |  | — |  |  | — |
Owner occupied | 923 |  |  | 891 |  |  | 416 |  |  | — |  |  | — |  |  | — |
Loans to individuals | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Automobile and recreational vehicles | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Consumer other | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Subtotal | 12,889 |  |  | 16,390 |  |  | 9,762 |  |  | 1,168 |  |  | 1,186 |  |  | 711 |
Total | $ | 44,234 |  |  | $ | 61,044 |  |  | $ | 9,762 |  |  | $ | 35,487 |  |  | $ | 46,433 |  |  | $ | 711 |
|  |  |  |  | For the Three Months Ended March 31,
|  |  |  |  | 2023 |  |  |  |  |  | 2022
|  |  |  |  | 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 |  |  |  |  | $ | 1,693 |  |  | $ | — |  |  |  |  |  |  | $ | 3,561 |  |  | $ | 29 |
Time and demand |  |  |  |  | 1,455 |  |  | — |  |  |  |  |  |  | 3,561 |  |  | 29 |
Equipment finance |  |  |  |  | 238 |  |  | — |  |  |  |  |  |  | — |  |  | — |
Time and demand other |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Real estate construction |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Construction other |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Construction residential |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Residential real estate |  |  |  |  | 6,069 |  |  | 20 |  |  |  |  |  |  | 9,201 |  |  | 84 |
Residential first lien |  |  |  |  | 3,437 |  |  | 20 |  |  |  |  |  |  | 5,197 |  |  | 62 |
Residential junior lien/home equity |  |  |  |  | 2,632 |  |  | — |  |  |  |  |  |  | 4,004 |  |  | 22 |
Commercial real estate |  |  |  |  | 21,974 |  |  | — |  |  |  |  |  |  | 24,312 |  |  | 13 |
Multifamily |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Nonowner occupied |  |  |  |  | 20,487 |  |  | — |  |  |  |  |  |  | 22,714 |  |  | 9 |
Owner occupied |  |  |  |  | 1,487 |  |  | — |  |  |  |  |  |  | 1,598 |  |  | 4 |
Loans to individuals |  |  |  |  | 432 |  |  | — |  |  |  |  |  |  | 435 |  |  | 4 |
Automobile and recreational vehicles |  |  |  |  | 356 |  |  | — |  |  |  |  |  |  | 350 |  |  | 4 |
Consumer other |  |  |  |  | 76 |  |  | — |  |  |  |  |  |  | 85 |  |  | — |
Subtotal |  |  |  |  | 30,168 |  |  | 20 |  |  |  |  |  |  | 37,509 |  |  | 130 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural and other |  |  |  |  | 7,445 |  |  | — |  |  |  |  |  |  | 384 |  |  | 6 |
Time and demand |  |  |  |  | 7,445 |  |  | — |  |  |  |  |  |  | 384 |  |  | 6 |
Equipment finance |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Time and demand other |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Real estate construction |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Construction other |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Construction residential |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Residential real estate |  |  |  |  | 824 |  |  | — |  |  |  |  |  |  | — |  |  | — |
Residential first lien |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Residential junior lien/home equity |  |  |  |  | 824 |  |  | — |  |  |  |  |  |  | — |  |  | — |
Commercial real estate |  |  |  |  | 711 |  |  | — |  |  |  |  |  |  | 416 |  |  | — |
Multifamily |  |  |  |  | — |  |  | — |  |  |  |  |  |  | 416 |  |  | — |
Nonowner occupied |  |  |  |  | 115 |  |  | — |  |  |  |  |  |  | — |  |  | — |
Owner occupied |  |  |  |  | 596 |  |  | — |  |  |  |  |  |  | — |  |  | — |
Loans to individuals |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Automobile and recreational vehicles |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Consumer other |  |  |  |  | — |  |  | — |  |  |  |  |  |  | — |  |  | — |
Subtotal |  |  |  |  | 8,980 |  |  | — |  |  |  |  |  |  | 800 |  |  | 6 |
Total |  |  |  |  | $ | 39,148 |  |  | $ | 20 |  |  |  |  |  |  | $ | 38,309 |  |  | $ | 136 |
Financing Receivable, Modified [Table Text Block] | The following table presents the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty:
| For the Three Months Ended March 31, 2023
| Rate Reduction |  | Term Extension |  | Principal Forgiveness |  | Payment Deferral |  | Total |  | Percentage of Total Loans and Leases
| (dollars in thousands)
Residential real estate | $ | 25 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 25 |  |  | — | %
Residential first lien | 25 |  |  | — |  |  | — |  |  | — |  |  | 25 |  |  | — |
Total | $ | 25 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 25 |  |  | — | %
The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty:
| For the Three Months Ended March 31, 2023
| Rate Reduction |  | Term Extension |  | Principal Forgiveness |  | Payment Deferral
| (dollars in thousands)
Residential real estate | (2.25) | % |  | 0 |  | $ | — |  |  | — |
Residential first lien | (2.25) |  |  | 0 |  | — |  |  | — |
Total | (2.25) | % |  | 0 |  | $ | — |  |  | — |
Financing Receivable, Modified, Past Due | The following table shows the payment status of loans that have been modified on or after January 1, 2023, the date we adopted ASU 2022-02:
| March 31, 2023
| Current |  | 30 - 59 days past due |  | 60 - 89 days past due |  | 90 days or greater and still accruing |  | Total
| (dollars in thousands)
Residential real estate | $ | 25 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 25 |
Residential first lien | 25 |  |  | — |  |  | — |  |  | — |  |  | 25 |
Total loans and leases | $ | 25 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 25 |
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 Three Months Ended March 31, 2022
|  |  | 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)
Residential real estate | 2 |  |  | $ | — |  |  | $ | 10 |  |  | $ | 59 |  |  | $ | 69 |  |  | $ | 69 |  |  | $ | — |
Residential first lien | 2 |  |  | — |  |  | 10 |  |  | 59 |  |  | 69 |  |  | 69 |  |  | — |
Total | 2 |  |  | $ | — |  |  | $ | 10 |  |  | $ | 59 |  |  | $ | 69 |  |  | $ | 69 |  |  | $ | — |
Allowance for Credit Losses | The following tables provide detail related to the allowance for credit losses:
| For the Three Months Ended March 31, 2023
| Beginning balance |  |  |  | Allowance for credit loss on PCD acquired loans |  | Charge-offs |  | Recoveries |  | Provision (credit)a |  | Ending balance
| (dollars in thousands)
Commercial, financial, agricultural and other | $ | 22,650 |  |  |  |  | $ | 15,949 |  |  | $ | (663) |  |  | $ | 159 |  |  | $ | 4,473 |  |  | $ | 42,568 |
Time and demand | 20,040 |  |  |  |  | 15,949 |  |  | (255) |  |  | 116 |  |  | 3,615 |  |  | 39,465 |
Commercial credit cards | 335 |  |  |  |  | — |  |  | (26) |  |  | 2 |  |  | 20 |  |  | 331 |
Equipment finance | 1,086 |  |  |  |  | — |  |  | (45) |  |  | — |  |  | 420 |  |  | 1,461 |
Time and demand other | 1,189 |  |  |  |  | — |  |  | (337) |  |  | 41 |  |  | 418 |  |  | 1,311 |
Real estate construction | 8,822 |  |  |  |  | 287 |  |  | — |  |  | — |  |  | (1,160) |  |  | 7,949 |
Construction other | 6,360 |  |  |  |  | 227 |  |  | — |  |  | — |  |  | (696) |  |  | 5,891 |
Construction residential | 2,462 |  |  |  |  | 60 |  |  | — |  |  | — |  |  | (464) |  |  | 2,058 |
Residential real estate | 21,412 |  |  |  |  | 527 |  |  | (79) |  |  | 38 |  |  | 875 |  |  | 22,773 |
Residential first lien | 14,822 |  |  |  |  | 197 |  |  | (16) |  |  | 26 |  |  | 795 |  |  | 15,824 |
Residential junior lien/home equity | 6,590 |  |  |  |  | 330 |  |  | (63) |  |  | 12 |  |  | 80 |  |  | 6,949 |
Commercial real estate | 28,804 |  |  |  |  | 5,313 |  |  | — |  |  | 42 |  |  | 5,218 |  |  | 39,377 |
Multifamily | 4,726 |  |  |  |  | 234 |  |  | — |  |  | — |  |  | 581 |  |  | 5,541 |
Nonowner occupied | 16,426 |  |  |  |  | 2,739 |  |  | — |  |  | 38 |  |  | 2,349 |  |  | 21,552 |
Owner occupied | 7,652 |  |  |  |  | 2,340 |  |  | — |  |  | 4 |  |  | 2,288 |  |  | 12,284 |
Loans to individuals | 21,218 |  |  |  |  | 3 |  |  | (1,141) |  |  | 471 |  |  | 667 |  |  | 21,218 |
Automobile and recreational vehicles | 18,819 |  |  |  |  | 3 |  |  | (802) |  |  | 390 |  |  | 603 |  |  | 19,013 |
Consumer credit cards | 412 |  |  |  |  | — |  |  | (66) |  |  | 17 |  |  | 5 |  |  | 368 |
Consumer other | 1,987 |  |  |  |  | — |  |  | (273) |  |  | 64 |  |  | 59 |  |  | 1,837 |
Total loans and leases | $ | 102,906 |  |  |  |  | $ | 22,079 |  |  | $ | (1,883) |  |  | $ | 710 |  |  | $ | 10,073 |  |  | $ | 133,885 |
a) The provision expense (credit) shown here includes the day 1 provision on non-PCD loans acquired from Centric and excludes the provision for off-balance sheet credit exposure included in the income statement.
| For the Three Months Ended March 31, 2022
| Beginning balance |  | Charge-offs |  | Recoveries |  | Provision (credit)a |  | Ending balance
| (dollars in thousands)
Commercial, financial, agricultural and other | $ | 18,093 |  |  | $ | (475) |  |  | $ | 80 |  |  | $ | 3,023 |  |  | $ | 20,721 |
Time and demand | 15,283 |  |  | (144) |  |  | 53 |  |  | 3,715 |  |  | 18,907 |
Commercial credit cards | 247 |  |  | (19) |  |  | 1 |  |  | 113 |  |  | 342 |
Equipment finance | — |  |  | — |  |  | — |  |  | 31 |  |  | 31 |
Time and demand other | 2,563 |  |  | (312) |  |  | 26 |  |  | (836) |  |  | 1,441 |
Real estate construction | 4,220 |  |  | — |  |  | — |  |  | 710 |  |  | 4,930 |
Construction other | 3,278 |  |  | — |  |  | — |  |  | (103) |  |  | 3,175 |
Construction residential | 942 |  |  | — |  |  | — |  |  | 813 |  |  | 1,755 |
Residential real estate | 12,625 |  |  | (139) |  |  | 29 |  |  | 4,213 |  |  | 16,728 |
Residential first lien | 7,459 |  |  | (40) |  |  | 23 |  |  | 3,683 |  |  | 11,125 |
Residential junior lien/home equity | 5,166 |  |  | (99) |  |  | 6 |  |  | 530 |  |  | 5,603 |
Commercial real estate | 33,376 |  |  | — |  |  | 14 |  |  | 314 |  |  | 33,704 |
Multifamily | 3,561 |  |  | — |  |  | — |  |  | 49 |  |  | 3,610 |
Nonowner occupied | 24,838 |  |  | — |  |  | 5 |  |  | (1,576) |  |  | 23,267 |
Owner occupied | 4,977 |  |  | — |  |  | 9 |  |  | 1,841 |  |  | 6,827 |
Loans to individuals | 24,208 |  |  | (1,009) |  |  | 366 |  |  | (8,460) |  |  | 15,105 |
Automobile and recreational vehicles | 21,392 |  |  | (552) |  |  | 255 |  |  | (8,460) |  |  | 12,635 |
Consumer credit cards | 496 |  |  | (109) |  |  | 24 |  |  | (29) |  |  | 382 |
Consumer other | 2,320 |  |  | (348) |  |  | 87 |  |  | 29 |  |  | 2,088 |
Total loans and leases | $ | 92,522 |  |  | $ | (1,623) |  |  | $ | 489 |  |  | $ | (200) |  |  | $ | 91,188 |
a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement. | [1] | a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
Schedule of Debtor Troubled Debt Restructuring, Subsequent Periods | 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 three months ended March 31:
|  |  | 2022
|  |  |  |  | Number of Contracts |  | Recorded Investment
|  |  |  |  | (dollars in thousands)
Residential real estate |  |  |  |  | 1 |  |  | $ | 17 |
Residential first lien |  |  |  |  | 1 |  |  | 17 |
Total |  |  |  |  | 1 |  |  | $ | 17 |
[1] | a) The provision expense (credit) shown here includes the day 1 provision on non-PCD loans acquired from Centric and excludes the provision for off-balance sheet credit exposure included in the income statement.

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