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Loans and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2024

Sep. 30, 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:

 

															September 30, 2024																		December 31, 2023
															(dollars in thousands)
Commercial, financial, agricultural and other															$	1,629,535																	$	1,543,349
Time and demand															1,141,477																		1,187,300
Commercial credit cards															12,405																		12,906
Equipment finance															366,527																		232,944
Time and demand other															109,126																		110,199
Real estate construction															540,775																		597,735
Construction other															522,548																		541,633
Construction residential															18,227																		56,102
Residential real estate															2,374,376																		2,416,876
Residential first lien															1,698,863																		1,739,107
Residential junior lien/home equity															675,513																		677,769
Commercial real estate															3,069,438																		3,053,152
Multifamily															540,427																		551,142
Non-owner occupied															1,803,084																		1,772,785
Owner occupied															725,927																		729,225
Loans to individuals															1,351,376																		1,357,649
Automobile and recreational vehicles															1,275,765																		1,277,969
Consumer credit cards															9,610																		10,291
Consumer other															66,001																		69,389
Total loans and leases															$	8,965,500																	$	8,968,761

Credit Risk Profile by Creditworthiness

The following tables represent our credit risk profile by creditworthiness:

			September 30, 2024
									Non-Pass
			Pass						OAEM						Substandard						Doubtful						Loss						Total Non-Pass						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	1,527,815					$	70,382					$	31,338					$	—					$	—					$	101,720					$	1,629,535
Time and demand			1,042,940						69,135						29,402						—						—						98,537						1,141,477
Commercial credit cards			12,405						—						—						—						—						—						12,405
Equipment finance			363,348						1,243						1,936						—						—						3,179						366,527
Time and demand other			109,122						4						—						—						—						4						109,126
Real estate construction			527,529						51						13,195						—						—						13,246						540,775
Construction other			509,302						51						13,195						—						—						13,246						522,548
Construction residential			18,227						—						—						—						—						—						18,227
Residential real estate			2,362,443						1,454						10,479						—						—						11,933						2,374,376
Residential first lien			1,691,847						1,116						5,900						—						—						7,016						1,698,863
Residential junior lien/home equity			670,596						338						4,579						—						—						4,917						675,513
Commercial real estate			2,954,477						55,324						59,637						—						—						114,961						3,069,438
Multifamily			522,389						17,956						82						—						—						18,038						540,427
Non-owner occupied			1,749,506						13,841						39,737						—						—						53,578						1,803,084
Owner occupied			682,582						23,527						19,818						—						—						43,345						725,927
Loans to individuals			1,351,274						—						102						—						—						102						1,351,376
Automobile and recreational vehicles			1,275,665						—						100						—						—						100						1,275,765
Consumer credit cards			9,610						—						—						—						—						—						9,610
Consumer other			65,999						—						2						—						—						2						66,001
Total loans and leases			$	8,723,538					$	127,211					$	114,751					$	—					$	—					$	241,962					$	8,965,500

 

			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:

			September 30, 2024
			Term Loans																																				Revolving Loans
			2024						2023						2022						2021						2020						Prior												Total
			(dollars in thousands)
Time and demand			$	106,373					$	122,043					$	127,757					$	85,518					$	55,193					$	78,136					$	566,457					$	1,141,477
Pass			104,939						114,374						122,913						65,957						51,512						62,727						520,518						1,042,940
OAEM			1,434						5,792						3,687						12,182						2,777						6,310						36,953						69,135
Substandard			—						1,877						1,157						7,379						904						9,099						8,986						29,402
Gross charge-offs			—						(11)						(25)						(247)						(658)						(1,550)						(5,670)						(8,161)
Gross recoveries			—						—						1						—						183						195						26						405
Commercial credit cards			—						—						—						—						—						—						12,405						12,405
Pass			—						—						—						—						—						—						12,405						12,405
Gross charge-offs			—						—						—						—						—						—						(183)						(183)
Gross recoveries			—						—						—						—						—						—						5						5

			September 30, 2024
			Term Loans																																				Revolving Loans
			2024						2023						2022						2021						2020						Prior												Total
			(dollars in thousands)
Equipment finance			178,083						141,087						47,357						—						—						—						—						366,527
Pass			177,770						139,936						45,642						—						—						—						—						363,348
OAEM			313						414						516						—						—						—						—						1,243
Substandard			—						737						1,199						—						—						—						—						1,936
Gross charge-offs			(60)						(806)						(369)						—						—						—						—						(1,235)
Gross recoveries			—						16						56						—						—						—						—						72
Time and demand other			10,226						10,732						4,822						16,685						19,372						44,696						2,593						109,126
Pass			10,226						10,732						4,822						16,685						19,372						44,696						2,589						109,122
OAEM			—						—						—						—						—						—						4						4
Gross charge-offs			—						—						—						—						—						—						(1,651)						(1,651)
Gross recoveries			—						—						—						—						—						5						146						151
Construction other			24,384						176,947						212,015						76,444						5,669						26,215						874						522,548
Pass			24,384						176,947						207,709						74,933						5,669						18,837						823						509,302
OAEM			—						—						—						—						—						—						51						51
Substandard			—						—						4,306						1,511						—						7,378						—						13,195
Gross charge-offs			—						—						—						(35)						—						—						—						(35)
Gross recoveries			—						—						—						—						—						6						—						6
Construction residential			1,102						13,387						1,804						1,427						—						29						478						18,227
Pass			1,102						13,387						1,804						1,427						—						29						478						18,227
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Residential first lien			36,625						140,707						379,382						493,014						303,754						343,477						1,904						1,698,863
Pass			36,625						139,494						378,595						491,873						303,323						340,106						1,831						1,691,847
OAEM			—						—						—						177						—						866						73						1,116
Substandard			—						1,213						787						964						431						2,505						—						5,900
Gross charge-offs			—						(77)						(1)						(21)						(1)						(37)						—						(137)
Gross recoveries			—						—						—						—						—						150						—						150
Residential junior lien/home equity			14,688						55,779						64,171						38,954						2,148						5,920						493,853						675,513
Pass			14,688						55,768						64,019						38,954						2,148						5,718						489,301						670,596
OAEM			—						—						—						—						—						192						146						338
Substandard			—						11						152						—						—						10						4,406						4,579
Gross charge-offs			—						—						(1)						—						—						—						(223)						(224)
Gross recoveries			—						—						—						—						—						32						39						71
Multifamily			11,914						7,053						163,202						160,295						84,929						112,253						781						540,427
Pass			11,914						7,053						150,791						155,172						84,929						111,749						781						522,389
OAEM			—						—						12,411						5,123						—						422						—						17,956
Substandard			—						—						—						—						—						82						—						82
Gross charge-offs			—						—						—						—						—						—						—						—
Gross recoveries			—						—						—						—						—						—						—						—
Non-owner occupied			48,625						201,299						457,064						185,451						153,016						745,884						11,745						1,803,084
Pass			48,625						198,289						454,957						185,208						138,414						712,333						11,680						1,749,506
OAEM			—						—						2,107						243						1,660						9,831						—						13,841
Substandard			—						3,010						—						—						12,942						23,720						65						39,737
Gross charge-offs			—						—						(50)						—						—						(457)						—						(507)
Gross recoveries			—						—						—						—						—						53						—						53

			September 30, 2024
			Term Loans																																				Revolving Loans
			2024						2023						2022						2021						2020						Prior												Total
			(dollars in thousands)
Owner occupied			55,366						104,679						152,829						150,658						62,568						186,763						13,064						725,927
Pass			54,316						103,705						140,557						144,791						60,920						167,112						11,181						682,582
OAEM			1,050						113						7,086						5,832						202						7,415						1,829						23,527
Substandard			—						861						5,186						35						1,446						12,236						54						19,818
Gross charge-offs			—						—						(141)						(136)						(1,050)						(163)						(50)						(1,540)
Gross recoveries			—						—						—						28						—						44						41						113
Automobile and recreational vehicles			308,474						343,733						353,335						170,238						81,085						18,900						—						1,275,765
Pass			308,474						343,733						353,335						170,184						81,079						18,860						—						1,275,665
Substandard			—						—						—						54						6						40						—						100
Gross charge-offs			(88)						(1,242)						(2,490)						(898)						(454)						(380)						—						(5,552)
Gross recoveries			2						298						669						406						243						319						—						1,937
Consumer credit cards			—						—						—						—						—						—						9,610						9,610
Pass			—						—						—						—						—						—						9,610						9,610
Gross charge-offs			—						—						—						—						—						—						(348)						(348)
Gross recoveries			—						—						—						—						—						—						78						78
Consumer other			6,618						4,948						2,905						10,850						803						2,411						37,466						66,001
Pass			6,618						4,948						2,905						10,850						803						2,411						37,464						65,999
Substandard			—						—						—						—						—						—						2						2
Gross charge-offs			—						(91)						(73)						(57)						(16)						(34)						(977)						(1,248)
Gross recoveries			—						—						14						20						13						93						151						291
Total loans and leases			$	802,478					$	1,322,394					$	1,966,643					$	1,389,534					$	768,537					$	1,564,684					$	1,151,230					$	8,965,500
Total charge-offs			$	(148)					$	(2,227)					$	(3,150)					$	(1,394)					$	(2,179)					$	(2,621)					$	(9,102)					$	(20,821)
Total recoveries			$	2					$	314					$	740					$	454					$	439					$	897					$	486					$	3,332

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, 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.

			September 30, 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			$	1,809					$	3,315					$	—					$	15,409					$	20,533					$	1,609,002					$	1,629,535
Time and demand			891						3,146						—						13,689						17,726						1,123,751						1,141,477
Commercial credit cards			41						53						—						—						94						12,311						12,405
Equipment finance			875						116						—						1,720						2,711						363,816						366,527
Time and demand other			2						—						—						—						2						109,124						109,126
Real estate construction			6,016						—						—						5,817						11,833						528,942						540,775
Construction other			6,016						—						—						5,817						11,833						510,715						522,548
Construction residential			—						—						—						—						—						18,227						18,227
Residential real estate			4,745						2,505						994						10,223						18,467						2,355,909						2,374,376
Residential first lien			3,428						1,753						436						5,644						11,261						1,687,602						1,698,863
Residential junior lien/home equity			1,317						752						558						4,579						7,206						668,307						675,513
Commercial real estate			10,599						479						—						43,172						54,250						3,015,188						3,069,438
Multifamily			69						—						—						21						90						540,337						540,427
Non-owner occupied			6,520						180						—						35,314						42,014						1,761,070						1,803,084
Owner occupied			4,010						299						—						7,837						12,146						713,781						725,927
Loans to individuals			4,416						1,249						197						102						5,964						1,345,412						1,351,376
Automobile and recreational vehicles			4,083						896						79						100						5,158						1,270,607						1,275,765
Consumer credit cards			27						32						—						—						59						9,551						9,610
Consumer other			306						321						118						2						747						65,254						66,001
Total loans and leases			$	27,585					$	7,548					$	1,191					$	74,723					$	111,047					$	8,854,453					$	8,965,500

 

			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 September 30, 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.

			September 30, 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			$	3,631					$	16,697											$	4,369					$	18,014
Time and demand			2,324						15,390												3,527						17,172
Equipment finance			1,307						1,307												842						842
Time and demand other			—						—												—						—
Real estate construction			5,817						5,869												3,288						3,288
Construction other			5,817						5,869												3,288						3,288
Construction residential			—						—												—						—
Residential real estate			8,669						10,357												7,042						8,763
Residential first lien			5,351						6,290												4,161						5,151
Residential junior lien/home equity			3,318						4,067												2,881						3,612
Commercial real estate			9,524						9,951												12,402						18,219
Multifamily			21						21												55						58
Non-owner occupied			7,236						7,419												10,971						17,092
Owner occupied			2,267						2,511												1,376						1,069
Loans to individuals			102						157												166						259
Automobile and recreational vehicles			100						141												164						257
Consumer other			2						16												2						2
Subtotal			27,743						43,031												27,267						48,543
With a specific allowance recorded:
Commercial, financial, agricultural and other			11,778						12,886						$	6,534					5,691						6,787						$	4,044
Time and demand			11,365						12,473						6,397						5,691						6,787						4,044
Equipment finance			413						413						137						—						—						—
Time and demand other			—						—						—						—						—						—
Real estate construction			—						—						—						—						—						—
Construction other			—						—						—						—						—						—
Construction residential			—						—						—						—						—						—
Residential real estate			1,554						1,723						249						1,531						1,697						118
Residential first lien			293						293						44						282						279						39
Residential junior lien/home equity			1,261						1,430						205						1,249						1,418						79
Commercial real estate			33,648						34,798						7,491						4,983						5,294						387
Multifamily			—						—						—						—						—						—
Non-owner occupied			28,078						29,050						6,686						3,311						3,550						174
Owner occupied			5,570						5,748						805						1,672						1,744						213
Loans to individuals			—						—						—						—						—						—
Automobile and recreational vehicles			—						—						—						—						—						—
Consumer other			—						—						—						—						—						—
Subtotal			46,980						49,407						14,274						12,205						13,778						4,549
Total			$	74,723					$	92,438					$	14,274					$	39,472					$	62,321					$	4,549

															For the Nine Months Ended September 30,
															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															$	5,720					$	10																	$	3,974					$	141
Time and demand															4,673						10																		3,786						141
Equipment finance															1,047						—																		188						—
Time and demand other															—						—																		—						—
Real estate construction															4,424						—																		365						—
Construction other															4,424						—																		365						—
Construction residential															—						—																		—						—
Residential real estate															8,223						117																		6,224						75
Residential first lien															4,946						114																		3,602						74
Residential junior lien/home equity															3,277						3																		2,622						1
Commercial real estate															8,951						62																		9,253						170
Multifamily															38						—																		30						—
Non-owner occupied															6,177						20																		7,313						57
Owner occupied															2,736						42																		1,910						113
Loans to individuals															136						5																		428						7
Automobile and recreational vehicles															134						5																		341						7
Consumer other															2						—																		87						—
Subtotal															27,454						194																		20,244						393
With a specific allowance recorded:
Commercial, financial, agricultural and other															5,128						37																		10,190						(16)
Time and demand															5,083						37																		10,190						(16)
Equipment finance															45						—																		—						—
Time and demand other															—						—																		—						—
Real estate construction															—						—																		—						—
Construction other															—						—																		—						—
Construction residential															—						—																		—						—
Residential real estate															1,283						—																		1,099						—
Residential first lien															33						—																		—						—
Residential junior lien/home equity															1,250						—																		1,099						—
Commercial real estate															15,034						233																		13,134						—
Multifamily															—						—																		—						—
Non-owner occupied															12,979						—																		12,763						—
Owner occupied															2,055						233																		371						—
Loans to individuals															—						—																		—						—
Automobile and recreational vehicles															—						—																		—						—
Consumer other															—						—																		—						—
Subtotal															21,445						270																		24,423						(16)
Total															$	48,899					$	464																	$	44,667					$	377

															For the Three Months Ended September 30,
															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															$	5,252					$	10																	$	2,509					$	135
Time and demand															3,770						10																		2,269						135
Equipment finance															1,482						—																		240						—
Time and demand other															—						—																		—						—
Real estate construction															5,834						—																		1,096						—
Construction other															5,834						—																		1,096						—
Construction residential															—						—																		—						—
Residential real estate															8,781						4																		6,290						35
Residential first lien															5,420						4																		3,784						34
Residential junior lien/home equity															3,361						—																		2,506						1
Commercial real estate															10,089						17																		7,908						213
Multifamily															14						—																		68						—
Non-owner occupied															7,593						17																		6,498						53
Owner occupied															2,482						—																		1,342						160
Loans to individuals															121						2																		401						6
Automobile and recreational vehicles															119						2																		315						6
Consumer other															2						—																		86						—
Subtotal															30,077						33																		18,204						389
With a specific allowance recorded:
Commercial, financial, agricultural and other															7,816						28																		14,980						—
Time and demand															7,679						28																		14,980						—
Equipment finance															137						—																		—						—
Time and demand other															—						—																		—						—
Real estate construction															—						—																		—						—
Construction other															—						—																		—						—
Construction residential															—						—																		—						—
Residential real estate															1,351						—																		1,236						—
Residential first lien															98						—																		—						—
Residential junior lien/home equity															1,253						—																		1,236						—
Commercial real estate															24,633						233																		13,514						—
Multifamily															—						—																		—						—
Non-owner occupied															20,406						—																		12,601						—
Owner occupied															4,227						233																		913						—
Loans to individuals															—						—																		—						—
Automobile and recreational vehicles															—						—																		—						—
Consumer other															—						—																		—						—
Subtotal															33,800						261																		29,730						—
Total															$	63,877					$	294																	$	47,934					$	389

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 Nine Months Ended September 30, 2024
			Rate Reduction						Term Extension						Payment Deferral						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			$	254					$	5,995					$	—					$	898					$	—					$	100					$	7,247					0.44		%
Time and demand			254						5,995						—						834						—						—						7,083						0.62
Equipment finance			—						—						—						64						—						100						164						0.04
Residential real estate			—						160						—						509						—						—						669						0.03
Residential first lien			—						160						—						482						—						—						642						0.04
Residential junior lien/home equity			—						—						—						27						—						—						27						—
Commercial real estate			—						—						9,674						—						—						—						9,674						0.32
Owner occupied			—						—						9,674						—						—						—						9,674						1.33
Loans to individuals			—						11						—						9						12						—						32						—
Automobile and recreational vehicles			—						11						—						9						12						—						32						—
Total			$	254					$	6,166					$	9,674					$	1,416					$	12					$	100					$	17,622					0.20		%

			For the Nine Months Ended September 30, 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			$	22					$	305					$	—					$	305					$	632					0.03		%
Residential first lien			22						305						—						305						632						0.04
Total			$	22					$	305					$	—					$	305					$	632					0.01		%

			For the Three Months Ended September 30, 2024
			Rate Reduction						Term Extension						Payment Deferral						Term Extension and Payment Deferral						Total						Percentage of Total Loans and Leases
			(dollars in thousands)
Commercial, financial, agricultural and other			$	75					$	4,885					$	—					$	834					$	5,794					0.36		%
Time and demand			75						4,885						—						834						5,794						0.51
Residential real estate			—						72						—						124						196						0.01
Residential first lien			—						72						—						124						196						0.01
Total			$	75					$	4,957					$	—					$	958					$	5,990					0.07		%

			For the Three Months Ended September 30, 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			$	—					$	144					$	—					$	63					$	207					0.01		%
Residential first lien			—						144						—						63						207						0.01
Total loans and leases			$	—					$	144					$	—					$	63					$	207					—		%

The following tables describe the financial effect of the modifications made to borrowers experiencing financial difficulty:

			For the Nine Months Ended September 30, 2024
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			1.99		%				1.5						$	—					0.9
Time and demand			1.87						1.5						—						1.0
Equipment finance			2.30						0.5						—						0.4
Residential real estate			—						3.8						—						0.7
Residential first lien			—						3.5						—						0.7
Residential junior lien/home equity			—						10.3						—						0.3
Commercial real estate			—						0.0						—						0.9
Owner occupied			—						0.5						—						0.9
Loans to individuals			2.39						2.6						—						0.4
Automobile and recreational vehicles			2.39						2.6						—						0.4
Total			2.01		%				1.7						$	—					0.9

			For the Nine Months Ended September 30, 2023
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Residential real estate			2.25		%				2.8						$	—					0.5
Residential first lien			2.25						2.8						—						0.5
Total			2.25		%				2.8						$	—					0.5

			For the Three Months Ended September 30, 2024
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Commercial, financial, agricultural and other			2.75		%				1.4						$	—					1.0
Time and demand			2.75						1.4						—						1.0
Residential real estate			—						2.9						—						0.7
Residential first lien			—						2.9						—						0.7
Total			2.75		%				1.5						$	—					1.0

			For the Three Months Ended September 30, 2023
			Rate Reduction						Term Extension (Years)						Principal Forgiveness						Payment Deferral (Years)
			(dollars in thousands)
Residential real estate			—		%				2.2						—						0.5
Residential first lien			—						2.2						—						0.5
Total			—		%				2.2						$	—					0.5

Financing Receivable, Modified, Past Due

The following table shows the payment status of loans that have been modified in the last twelve months prior to the date presented:

			September 30, 2024
			Current						30 - 59 days past due						60 - 89 days past due						90 days or greater						Total
			(dollars in thousands)
Commercial, financial, agricultural and other			$	7,129					$	—					$	—					$	164					$	7,293
Time and demand			7,129						—						—						—						7,129
Equipment finance			—						—						—						164						164
Residential real estate			616						—						84						95						795
Residential first lien			589						—						84						95						768
Residential junior lien/home equity			27						—						—						—						27
Commercial real estate			9,674						—						—						—						9,674
Owner occupied			9,674						—						—						—						9,674
Loans to individuals			32						—						—						—						32
Automobile and recreational vehicles			32						—						—						—						32
Total loans and leases			$	17,451					$	—					$	84					$	259					$	17,794

			December 31, 2023
			Current						30 - 59 days past due						60 - 89 days past due						90 days or greater						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 Nine Months Ended September 30, 2024
			Beginning balance																		Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	27,996																	$	(11,230)					$	633					$	13,304					$	30,703
Time and demand			22,819																		(8,161)						405						7,483						22,546
Commercial credit cards			278																		(183)						5						137						237
Equipment finance			3,399																		(1,235)						72						4,294						6,530
Time and demand other			1,500																		(1,651)						151						1,390						1,390
Real estate construction			7,418																		(35)						6						(1,209)						6,180
Construction other			6,448																		(35)						6						(527)						5,892
Construction residential			970																		—						—						(682)						288
Residential real estate			23,901																		(361)						221						(1,122)						22,639
Residential first lien			16,975																		(137)						150						(985)						16,003
Residential junior lien/home equity			6,926																		(224)						71						(137)						6,636
Commercial real estate			37,071																		(2,047)						166						9,492						44,682
Multifamily			5,233																		—						—						(178)						5,055
Non-owner occupied			19,995																		(507)						53						8,405						27,946
Owner occupied			11,843																		(1,540)						113						1,265						11,681
Loans to individuals			21,332																		(7,148)						2,306						5,418						21,908
Automobile and recreational vehicles			19,142																		(5,552)						1,937						4,065						19,592
Consumer credit cards			372																		(348)						78						238						340
Consumer other			1,818																		(1,248)						291						1,115						1,976
Total loans and leases			$	117,718																	$	(20,821)					$	3,332					$	25,883					$	126,112

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, 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					$	19,417					$	(9,102)					$	352					$	4,088					$	37,405
Time and demand			20,040						19,417						(7,424)						214						804						33,051
Commercial credit cards			335						—						(63)						13						22						307
Equipment finance			1,086						—						(45)						—						1,586						2,627
Time and demand other			1,189						—						(1,570)						125						1,676						1,420
Real estate construction			8,822						287						—						—						(605)						8,504
Construction other			6,360						227						—						—						765						7,352
Construction residential			2,462						60						—						—						(1,370)						1,152
Residential real estate			21,412						527						(384)						128						2,257						23,940
Residential first lien			14,822						197						(124)						65						2,071						17,031
Residential junior lien/home equity			6,590						330						(260)						63						186						6,909
Commercial real estate			28,804						6,971						(1,689)						142						8,871						43,099
Multifamily			4,726						234						—						—						861						5,821
Non-owner occupied			16,426						2,739						(172)						126						6,373						25,492
Owner occupied			7,652						3,998						(1,517)						16						1,637						11,786
Loans to individuals			21,218						3						(4,649)						1,388						3,429						21,389
Automobile and recreational vehicles			18,819						3						(3,469)						1,114						2,823						19,290
Consumer credit cards			412						—						(205)						63						100						370
Consumer other			1,987						—						(975)						211						506						1,729
Total loans and leases			$	102,906					$	27,205					$	(15,824)					$	2,010					$	18,040					$	134,337

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 September 30, 2024
			Beginning balance												Charge-offs						Recoveries						Provision (credit)a						Ending balance
			(dollars in thousands)
Commercial, financial, agricultural and other			$	30,608											$	(5,980)					$	110					$	5,965					$	30,703
Time and demand			23,589												(4,784)						11						3,730						22,546
Commercial credit cards			244												(81)						5						69						237
Equipment finance			5,292												(521)						36						1,723						6,530
Time and demand other			1,483												(594)						58						443						1,390
Real estate construction			6,389												—						—						(209)						6,180
Construction other			6,017												—						—						(125)						5,892
Construction residential			372												—						—						(84)						288
Residential real estate			22,173												(106)						51						521						22,639
Residential first lien			15,745												(28)						37						249						16,003
Residential junior lien/home equity			6,428												(78)						14						272						6,636
Commercial real estate			42,544												(1,423)						42						3,519						44,682
Multifamily			5,206												—						—						(151)						5,055
Non-owner occupied			25,036												(37)						5						2,942						27,946
Owner occupied			12,302												(1,386)						37						728						11,681
Loans to individuals			21,940												(2,280)						801						1,447						21,908
Automobile and recreational vehicles			19,676												(1,827)						676						1,067						19,592
Consumer credit cards			346												(120)						33						81						340
Consumer other			1,918												(333)						92						299						1,976
Total loans and leases			$	123,654											$	(9,789)					$	1,004					$	11,243					$	126,112

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, 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			$	41,714					$	—					$	(1,762)					$	98					$	(2,645)					$	37,405
Time and demand			37,873						—						(954)						46						(3,914)						33,051
Commercial credit cards			320						—						(28)						6						9						307
Equipment finance			2,074						—						—						—						553						2,627
Time and demand other			1,447						—						(780)						46						707						1,420
Real estate construction			7,728						—						—						—						776						8,504
Construction other			6,145						—						—						—						1,207						7,352
Construction residential			1,583						—						—						—						(431)						1,152
Residential real estate			23,740						—						(304)						57						447						23,940
Residential first lien			16,563						—						(107)						22						553						17,031
Residential junior lien/home equity			7,177						—						(197)						35						(106)						6,909
Commercial real estate			38,927						—						(172)						6						4,338						43,099
Multifamily			5,775						—						—						—						46						5,821
Non-owner occupied			21,710						—						(172)						2						3,952						25,492
Owner occupied			11,442						—						—						4						340						11,786
Loans to individuals			21,437						—						(2,360)						461						1,851						21,389
Automobile and recreational vehicles			19,258						—						(1,883)						412						1,503						19,290
Consumer credit cards			375						—						(59)						16						38						370
Consumer other			1,804						—						(418)						33						310						1,729
Total loans and leases			$	133,546					$	—					$	(4,598)					$	622					$	4,767					$	134,337

a) The provision expense (credit) shown here 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.

Financing Receivable, Modified, Subsequent Default

The following table shows modifications considered to be in default.

			September 30, 2024												December 31, 2023
			Number of Contracts						Balance						Number of Contracts						Balance
			(dollars in thousands)
Commercial, financial, agricultural and other			2						$	164					—						$	—
Equipment finance			2						164						—						—
Residential real estate			1						95						—						—
Residential first lien			1						95						—						—
Total loans and leases			3						$	259					—						$	—

The following table shows the payment status of loans that have been modified in the last twelve months prior to the date

[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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Schedule of recorded investment and unpaid principal balance for impaired loans with the associated allowance.

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