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Loans and Allowance for Credit Losses (Tables)

3 Months Ended

Mar. 31, 2024

Mar. 31, 2023

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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, 2024																		December 31, 2023
															(dollars in thousands)
Commercial, financial, agricultural and other															$	1,593,836																	$	1,543,349
Time and demand															1,191,136																		1,187,300
Commercial credit cards															12,995																		12,906
Equipment finance															279,938																		232,944
Time and demand other															109,767																		110,199
Real estate construction															559,367																		597,735
Construction other															520,320																		541,633
Construction residential															39,047																		56,102
Residential real estate															2,402,272																		2,416,876
Residential first lien															1,727,590																		1,739,107
Residential junior lien/home equity															674,682																		677,769
Commercial real estate															3,090,950																		3,053,152
Multifamily															575,827																		551,142
Non-owner occupied															1,789,521																		1,772,785
Owner occupied															725,602																		729,225
Loans to individuals															1,353,445																		1,357,649
Automobile and recreational vehicles															1,277,212																		1,277,969
Consumer credit cards															9,464																		10,291
Consumer other															66,769																		69,389
Total loans and leases															$	8,999,870																	$	8,968,761

Credit Risk Profile by Creditworthiness

The following tables represent our credit risk profile by creditworthiness:

			March 31, 2024
									Non-Pass
			Pass						OAEM						Substandard						Doubtful						Loss						Total Non-Pass						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,495,882					$	67,634					$	30,320					$	—					$	—					$	97,954					$	1,593,836
Time and demand			1,094,746						67,044						29,346						—						—						96,390						1,191,136
Commercial credit cards			12,995						—						—						—						—						—						12,995
Equipment finance			278,374						590						974						—						—						1,564						279,938
Time and demand other			109,767						—						—						—						—						—						109,767
Real estate construction			547,230						—						12,137						—						—						12,137						559,367
Construction other			508,183						—						12,137						—						—						12,137						520,320
Construction residential			39,047						—						—						—						—						—						39,047
Residential real estate			2,391,848						1,121						9,303						—						—						10,424						2,402,272
Residential first lien			1,722,002						776						4,812						—						—						5,588						1,727,590
Residential junior lien/home equity			669,846						345						4,491						—						—						4,836						674,682
Commercial real estate			2,999,754						53,818						37,378						—						—						91,196						3,090,950
Multifamily			563,640						12,110						77						—						—						12,187						575,827
Non-owner occupied			1,746,310						23,915						19,296						—						—						43,211						1,789,521
Owner occupied			689,804						17,793						18,005						—						—						35,798						725,602
Loans to individuals			1,353,299						—						146						—						—						146						1,353,445
Automobile and recreational vehicles			1,277,068						—						144						—						—						144						1,277,212
Consumer credit cards			9,464						—						—						—						—						—						9,464
Consumer other			66,767						—						2						—						—						2						66,769
Total loans and leases			$	8,788,013					$	122,573					$	89,284					$	—					$	—					$	211,857					$	8,999,870

 

			December 31, 2023
									Non-Pass
			Pass						OAEM						Substandard						Doubtful						Loss						Total Non-Pass						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,453,970					$	58,325					$	31,054					$	—					$	—					$	89,379					$	1,543,349
Time and demand			1,098,763						58,325						30,212						—						—						88,537						1,187,300
Commercial credit cards			12,906						—						—						—						—						—						12,906
Equipment finance			232,102						—						842						—						—						842						232,944
Time and demand other			110,199						—						—						—						—						—						110,199
Real estate construction			585,543						—						12,192						—						—						12,192						597,735
Construction other			529,441						—						12,192						—						—						12,192						541,633
Construction residential			56,102						—						—						—						—						—						56,102
Residential real estate			2,405,240						2,768						8,868						—						—						11,636						2,416,876
Residential first lien			1,732,006						2,415						4,686						—						—						7,101						1,739,107
Residential junior lien/home equity			673,234						353						4,182						—						—						4,535						677,769
Commercial real estate			2,956,338						62,038						34,776						—						—						96,814						3,053,152
Multifamily			538,939						12,117						86						—						—						12,203						551,142
Non-owner occupied			1,722,315						31,652						18,818						—						—						50,470						1,772,785
Owner occupied			695,084						18,269						15,872						—						—						34,141						729,225
Loans to individuals			1,357,483						—						166						—						—						166						1,357,649
Automobile and recreational vehicles			1,277,805						—						164						—						—						164						1,277,969
Consumer credit cards			10,291						—						—						—						—						—						10,291
Consumer other			69,387						—						2						—						—						2						69,389
Total loans and leases			$	8,758,574					$	123,131					$	87,056					$	—					$	—					$	210,187					$	8,968,761

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, 2024
			Term Loans																																				Revolving Loans
			2024						2023						2022						2021						2020						Prior												Total
			(dollars in thousands)
Time and demand			$	46,154					$	168,486					$	163,622					$	101,412					$	69,364					$	93,319					$	548,779					$	1,191,136
Pass			46,154						164,991						159,608						80,503						66,737						76,744						500,009						1,094,746
OAEM			—						1,628						3,273						13,338						1,382						11,554						35,869						67,044
Substandard			—						1,867						741						7,571						1,245						5,021						12,901						29,346
Gross charge-offs			—						—						—						—						(49)						(1,414)						(302)						(1,765)
Gross recoveries			—						—						—						—						174						155						18						347
Commercial credit cards			—						—						—						—						—						—						12,995						12,995
Pass			—						—						—						—						—						—						12,995						12,995
Gross charge-offs			—						—						—						—						—						—						(44)						(44)
Gross recoveries			—						—						—						—						—						—						—						—

			March 31, 2024
			Term Loans																																				Revolving Loans
			2024						2023						2022						2021						2020						Prior												Total
			(dollars in thousands)
Equipment finance			61,316						161,360						57,262						—						—						—						—						279,938
Pass			61,316						160,422						56,636						—						—						—						—						278,374
OAEM			—						344						246						—						—						—						—						590
Substandard			—						594						380						—						—						—						—						974
Gross charge-offs			—						(198)						(153)						—						—						—						—						(351)
Gross recoveries			—						—						15						—						—						—						—						15
Time and demand other			2,070						10,294						5,752						17,536						19,335						48,548						6,232						109,767
Pass			2,070						10,294						5,752						17,536						19,335						48,548						6,232						109,767
Gross charge-offs			—						—						—						—						—						—						(502)						(502)
Gross recoveries			—						—						—						—						—						—						58						58
Construction other			762						117,687						215,866						117,447						37,916						29,943						699						520,320
Pass			762						117,687						212,578						115,936						37,916						22,605						699						508,183
Substandard			—						—						3,288						1,511						—						7,338						—						12,137
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						6						—						6
Construction residential			—						25,982						10,930						1,628						—						29						478						39,047
Pass			—						25,982						10,930						1,628						—						29						478						39,047
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Residential first lien			12,388						123,144						387,725						515,732						316,062						370,776						1,763						1,727,590
Pass			12,388						122,863						387,095						514,947						315,719						367,304						1,686						1,722,002
OAEM			—						—						—						—						—						699						77						776
Substandard			—						281						630						785						343						2,773						—						4,812
Gross charge-offs			—						(3)						(1)						(20)						—						(4)						—						(28)
Gross recoveries			—						—						—						—						—						43						—						43
Residential junior lien/home equity			5,413						60,252						69,654						42,613						2,528						6,814						487,408						674,682
Pass			5,413						60,241						69,502						42,613						2,528						6,550						482,999						669,846
OAEM			—						—						—						—						—						199						146						345
Substandard			—						11						152						—						—						65						4,263						4,491
Gross charge-offs			—						—						(1)						—						—						—						(51)						(52)
Gross recoveries			—						—						—						—						—						9						7						16
Multifamily			7,562						6,986						164,545						152,469						104,345						139,071						849						575,827
Pass			7,562						6,986						152,877						152,469						104,345						138,552						849						563,640
OAEM			—						—						11,668						—						—						442						—						12,110
Substandard			—						—						—						—						—						77						—						77
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Non-owner occupied			3,115						190,694						449,134						164,799						153,824						815,050						12,905						1,789,521
Pass			3,115						187,694						448,754						164,799						150,882						778,227						12,839						1,746,310
OAEM			—						—						209						—						2,942						20,764						—						23,915
Substandard			—						3,000						171						—						—						16,059						66						19,296
Gross charge-offs			—						—						(50)						—						—						(233)						—						(283)
Gross recoveries			—						—						—						—						—						44						—						44

			March 31, 2024
			Term Loans																																				Revolving Loans
			2024						2023						2022						2021						2020						Prior												Total
			(dollars in thousands)
Owner occupied			17,026						106,022						160,114						154,021						71,247						204,337						12,835						725,602
Pass			17,026						105,773						156,340						149,483						65,978						182,547						12,657						689,804
OAEM			—						113						687						4,268						3,629						9,024						72						17,793
Substandard			—						136						3,087						270						1,640						12,766						106						18,005
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						29						41						70
Automobile and recreational vehicles			101,789						403,027						424,098						212,541						103,467						32,290						—						1,277,212
Pass			101,789						403,027						424,098						212,484						103,459						32,211						—						1,277,068
Substandard			—						—						—						57						8						79						—						144
Gross charge-offs			—						(303)						(965)						(290)						(167)						(217)						—						(1,942)
Gross recoveries			—						104						132						169						43						105						—						553
Consumer credit cards			—						—						—						—						—						—						9,464						9,464
Pass			—						—						—						—						—						—						9,464						9,464
Gross charge-offs			—						—						—						—						—						—						(150)						(150)
Gross recoveries			—						—						—						—						—						—						18						18
Consumer other			2,050						6,281						3,796						12,543						1,192						3,645						37,262						66,769
Pass			2,050						6,281						3,796						12,543						1,192						3,645						37,260						66,767
Substandard			—						—						—						—						—						—						2						2
Gross charge-offs			—						—						(36)						(45)						(11)						(21)						(333)						(446)
Gross recoveries			—						—						9						1						1						35						45						91
Total loans and leases			$	259,645					$	1,380,215					$	2,112,498					$	1,492,741					$	879,280					$	1,743,822					$	1,131,669					$	8,999,870
Total charge-offs			$	—					$	(504)					$	(1,206)					$	(355)					$	(227)					$	(1,889)					$	(1,382)					$	(5,563)
Total recoveries			$	—					$	104					$	156					$	170					$	218					$	426					$	187					$	1,261

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, 2024 and December 31, 2023. 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, 2024
			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			$	8,516					$	379					$	175					$	9,757					$	18,827					$	1,575,009					$	1,593,836
Time and demand			8,013						225						142						9,023						17,403						1,173,733						1,191,136
Commercial credit cards			42						7						—						—						49						12,946						12,995
Equipment finance			460						147						—						734						1,341						278,597						279,938
Time and demand other			1						—						33						—						34						109,733						109,767
Real estate construction			1,070						—						—						3,288						4,358						555,009						559,367
Construction other			1,070						—						—						3,288						4,358						515,962						520,320
Construction residential			—						—						—						—						—						39,047						39,047
Residential real estate			5,795						1,762						779						9,019						17,355						2,384,917						2,402,272
Residential first lien			3,080						1,311						276						4,579						9,246						1,718,344						1,727,590
Residential junior lien/home equity			2,715						451						503						4,440						8,109						666,573						674,682
Commercial real estate			9,310						—						—						20,236						29,546						3,061,404						3,090,950
Multifamily			—						—						—						51						51						575,776						575,827
Non-owner occupied			8,584						—						—						15,131						23,715						1,765,806						1,789,521
Owner occupied			726						—						—						5,054						5,780						719,822						725,602
Loans to individuals			4,275						920						745						146						6,086						1,347,359						1,353,445
Automobile and recreational vehicles			3,862						568						22						144						4,596						1,272,616						1,277,212
Consumer credit cards			15						44						—						—						59						9,405						9,464
Consumer other			398						308						723						2						1,431						65,338						66,769
Total loans and leases			$	28,966					$	3,061					$	1,699					$	42,446					$	76,172					$	8,923,698					$	8,999,870

 

			December 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			$	1,206					$	745					$	4,187					$	10,060					$	16,198					$	1,527,151					$	1,543,349
Time and demand			565						691						4,187						9,218						14,661						1,172,639						1,187,300
Commercial credit cards			7						54						—						—						61						12,845						12,906
Equipment finance			600						—						—						842						1,442						231,502						232,944
Time and demand other			34						—						—						—						34						110,165						110,199
Real estate construction			—						—						—						3,288						3,288						594,447						597,735
Construction other			—						—						—						3,288						3,288						538,345						541,633
Construction residential			—						—						—						—						—						56,102						56,102
Residential real estate			6,982						1,535						1,062						8,573						18,152						2,398,724						2,416,876
Residential first lien			4,130						940						171						4,443						9,684						1,729,423						1,739,107
Residential junior lien/home equity			2,852						595						891						4,130						8,468						669,301						677,769
Commercial real estate			4,157						—						3,509						17,385						25,051						3,028,101						3,053,152
Multifamily			—						—						—						55						55						551,087						551,142
Non-owner occupied			2,303						—						3,509						14,282						20,094						1,752,691						1,772,785
Owner occupied			1,854						—						—						3,048						4,902						724,323						729,225
Loans to individuals			4,613						878						678						166						6,335						1,351,314						1,357,649
Automobile and recreational vehicles			4,115						612						151						164						5,042						1,272,927						1,277,969
Consumer credit cards			39						71						—						—						110						10,181						10,291
Consumer other			459						195						527						2						1,183						68,206						69,389
Total loans and leases			$	16,958					$	3,158					$	9,436					$	39,472					$	69,024					$	8,899,737					$	8,968,761

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, 2024 and December 31, 2023. 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.

			March 31, 2024																		December 31, 2023
			Recorded investment						Unpaid principal balance						Related specific allowance						Recorded investment						Unpaid principal balance						Related specific allowance
			(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other			$	3,314					$	16,606											$	4,369					$	18,014
Time and demand			2,580						15,872												3,527						17,172
Equipment finance			734						734												842						842
Time and demand other			—						—												—						—
Real estate construction			3,288						3,288												3,288						3,288
Construction other			3,288						3,288												3,288						3,288
Construction residential			—						—												—						—
Residential real estate			7,488						9,231												7,042						8,763
Residential first lien			4,296						5,309												4,161						5,151
Residential junior lien/home equity			3,192						3,922												2,881						3,612
Commercial real estate			4,649						4,538												12,402						18,219
Multifamily			51						55												55						58
Non-owner occupied			2,080						2,296												10,971						17,092
Owner occupied			2,518						2,187												1,376						1,069
Loans to individuals			146						188												166						259
Automobile and recreational vehicles			144						185												164						257
Consumer other			2						3												2						2
Subtotal			18,885						33,851												27,267						48,543
With a specific allowance recorded:
Commercial, financial, agricultural and other			6,443						7,467						$	3,252					5,691						6,787						$	4,044
Time and demand			6,443						7,467						3,252						5,691						6,787						4,044
Equipment finance			—						—						—						—						—						—
Time and demand other			—						—						—						—						—						—
Real estate construction			—						—						—						—						—						—
Construction other			—						—						—						—						—						—
Construction residential			—						—						—						—						—						—
Residential real estate			1,531						1,697						166						1,531						1,697						118
Residential first lien			283						279						61						282						279						39
Residential junior lien/home equity			1,248						1,418						105						1,249						1,418						79
Commercial real estate			15,587						16,545						1,956						4,983						5,294						387
Multifamily			—						—						—						—						—						—
Non-owner occupied			13,051						13,862						1,537						3,311						3,550						174
Owner occupied			2,536						2,683						419						1,672						1,744						213
Loans to individuals			—						—						—						—						—						—
Automobile and recreational vehicles			—						—						—						—						—						—
Consumer other			—						—						—						—						—						—
Subtotal			23,561						25,709						5,374						12,205						13,778						4,549
Total			$	42,446					$	59,560					$	5,374					$	39,472					$	62,321					$	4,549

															For the Three Months Ended March 31,
															2024																								2023
															Average recorded investment						Interest income recognized																		Average recorded investment						Interest income recognized
															(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other															$	3,499					$	—																	$	1,693					$	—
Time and demand															2,731						—																		1,455						—
Equipment finance															768						—																		238						—
Time and demand other															—						—																		—						—
Real estate construction															3,288						—																		—						—
Construction other															3,288						—																		—						—
Construction residential															—						—																		—						—
Residential real estate															7,436						7																		6,069						20
Residential first lien															4,279						7																		3,437						20
Residential junior lien/home equity															3,157						—																		2,632						—
Commercial real estate															6,252						34																		21,974						—
Multifamily															52						—																		—						—
Non-owner occupied															4,061						1																		20,487						—
Owner occupied															2,139						33																		1,487						—
Loans to individuals															153						1																		432						—
Automobile and recreational vehicles															151						1																		356						—
Consumer other															2						—																		76						—
Subtotal															20,628						42																		30,168						20
With a specific allowance recorded:
Commercial, financial, agricultural and other															5,200						—																		7,445						—
Time and demand															5,200						—																		7,445						—
Equipment finance															—						—																		—						—
Time and demand other															—						—																		—						—
Real estate construction															—						—																		—						—
Construction other															—						—																		—						—
Construction residential															—						—																		—						—
Residential real estate															1,531						—																		824						—
Residential first lien															282						—																		—						—
Residential junior lien/home equity															1,249						—																		824						—
Commercial real estate															9,528						—																		711						—
Multifamily															—						—																		—						—
Non-owner occupied															7,734						—																		115						—
Owner occupied															1,794						—																		596						—
Loans to individuals															—						—																		—						—
Automobile and recreational vehicles															—						—																		—						—
Consumer other															—						—																		—						—
Subtotal															16,259						—																		8,980						—
Total															$	36,887					$	42																	$	39,148					$	20

Financing Receivable, Modified [Table Text Block]

The following tables present the amortized cost basis of loan modifications made to borrowers experiencing financial difficulty:

			For the Three Months Ended March 31, 2024
			Rate Reduction						Term Extension						Principal Forgiveness						Term Extension and Payment Deferral						Rate Reduction, Term Extension and Payment Deferral						Rate Reduction and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	199					$	869					$	—					$	68					$	—					$	103					$	1,239					0.08		%
Time and demand			199						869						—						—						—						—						1,068						0.09
Equipment finance			—						—						—						68						—						103						171						0.06
Residential real estate			—						90						—						197						—						—						287						0.01
Residential first lien			—						90						—						167						—						—						257						0.01
Residential junior lien/home equity			—						—						—						30						—						—						30						—
Commercial real estate			—						—						—						152						—						—						152						—
Owner occupied			—						—						—						152						—						—						152						0.02
Loans to individuals			—						12						—						10						15						—						37						—
Automobile and recreational vehicles			—						12						—						10						15						—						37						—
Total			$	199					$	971					$	—					$	427					$	15					$	103					$	1,715					0.02		%

			For the Three Months Ended March 31, 2023
			Rate Reduction						Term Extension						Principal Forgiveness						Term Extension and 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 tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty:

			For the Three Months Ended March 31, 2024
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			1.77		%				1.3						$	—					0.4
Time and demand			1.50						1.3						—						0.0
Equipment finance			2.30						0.5						—						0.4
Residential real estate			—						6.1						—						0.8
Residential first lien			—						5.6						—						0.9
Residential junior lien/home equity			—						10.3						—						0.3
Commercial real estate			—						0.5						—						0.5
Owner occupied			—						0.5						—						0.5
Loans to individuals			2.39						2.6						—						0.4
Automobile and recreational vehicles			2.39						2.6						—						0.4
Total			1.80		%				2.2						$	—					0.6

			For the Three Months Ended March 31, 2023
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Residential real estate			2.25		%				0.0						$	—					0.0
Residential first lien			2.25						0.0						—						0.0
Total			2.25		%				0.0						$	—					0.0

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, 2024
			Current						30 - 59 days past due						60 - 89 days past due						90 days or greater and still accruing						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,288					$	—					$	—					$	—					$	1,288
Time and demand			1,117						—						—						—						1,117
Equipment finance			171						—						—						—						171
Residential real estate			1,017						—						—						—						1,017
Residential first lien			987						—						—						—						987
Residential junior lien/home equity			30						—						—						—						30
Commercial real estate			9,823						—						—						—						9,823
Owner occupied			9,823						—						—						—						9,823
Loans to individuals			37						—						—						—						37
Automobile and recreational vehicles			37						—						—						—						37
Total loans and leases			$	12,165					$	—					$	—					$	—					$	12,165

			December 31, 2023
			Current						30 - 59 days past due						60 - 89 days past due						90 days or greater and still accruing						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	50					$	—					$	—					$	—					$	50
Time and demand			50						—						—						—						50
Residential real estate			758						—						—						—						758
Residential first lien			758						—						—						—						758
Commercial real estate			9,663						—						—						—						9,663
Owner occupied			9,663						—						—						—						9,663
Total loans and leases			$	10,471					$	—					$	—					$	—					$	10,471

Allowance for Credit Losses

The following tables provide detail related to the allowance for credit losses:

			For the Three Months Ended March 31, 2024
			Beginning balance																		Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	27,996																	$	(2,662)					$	420					$	1,292					$	27,046
Time and demand			22,819																		(1,765)						347						(565)						20,836
Commercial credit cards			278																		(44)						—						71						305
Equipment finance			3,399																		(351)						15						1,263						4,326
Time and demand other			1,500																		(502)						58						523						1,579
Real estate construction			7,418																		—						6						(875)						6,549
Construction other			6,448																		—						6						(653)						5,801
Construction residential			970																		—						—						(222)						748
Residential real estate			23,901																		(80)						59						13						23,893
Residential first lien			16,975																		(28)						43						(107)						16,883
Residential junior lien/home equity			6,926																		(52)						16						120						7,010
Commercial real estate			37,071																		(283)						114						2,201						39,103
Multifamily			5,233																		—						—						(8)						5,225
Non-owner occupied			19,995																		(283)						44						2,308						22,064
Owner occupied			11,843																		—						70						(99)						11,814
Loans to individuals			21,332																		(2,538)						662						3,051						22,507
Automobile and recreational vehicles			19,142																		(1,942)						553						2,490						20,243
Consumer credit cards			372																		(150)						18						107						347
Consumer other			1,818																		(446)						91						454						1,917
Total loans and leases			$	117,718																	$	(5,563)					$	1,261					$	5,682					$	119,098

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 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
Non-owner 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.

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.

[1]	a) The provision expense (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
[2]	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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