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LOANS AND CREDIT QUALITY (Tables) | 9 Months Ended
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Sep. 30, 2021
Receivables [Abstract] |
Schedule of loans and leases, excluding loans held for sale | Loans, excluding loans held for sale, net of ACL under ASC 326 as of September 30, 2021 and December 31, 2020 consisted of the following:
(dollars in thousands) | September 30, 2021 |  | December 31, 2020
Commercial, financial and agricultural: |  |  |
Small Business Administration Paycheck Protection Program | $ | 226,596 |  |  | $ | 425,993 |
Other | 519,227 |  |  | 545,136 |
Real estate: |  |  |
Construction | 129,207 |  |  | 125,625 |
Residential mortgage | 1,747,183 |  |  | 1,687,251 |
Home equity | 617,545 |  |  | 550,216 |
Commercial mortgage | 1,210,460 |  |  | 1,158,203 |
Consumer | 603,356 |  |  | 479,580 |
Gross loans | 5,053,574 |  |  | 4,972,004 |
Net deferred fees | (7,777) |  |  | (7,891) |
Total loans, net of deferred fees and costs | 5,045,797 |  |  | 4,964,113 |
Allowance for credit losses | (74,587) |  |  | (83,269) |
Total loans, net of allowance for credit losses | $ | 4,971,210 |  |  | $ | 4,880,844 |
Financing Receivable, Purchased With Credit Deterioration | The following table presents loans purchased by class for the periods presented:
(dollars in thousands) | U.S. Mainland Consumer - Unsecured |  | U.S. Mainland Consumer - Automobile |  | Total
Three Months Ended September 30, 2021 |  |  |  |  |
Purchases: |  |  |  |  |
Outstanding balance | $ | 70,994 |  |  | $ | 22,061 |  |  | $ | 93,055 |
Purchase (discount) premium | (2,843) |  |  | 1,351 |  |  | (1,492) |
Purchase price | $ | 68,151 |  |  | $ | 23,412 |  |  | $ | 91,563 |
Nine Months Ended September 30, 2021 |  |  |  |  |
Purchases: |  |  |  |  |
Outstanding balance | $ | 139,010 |  |  | $ | 71,432 |  |  | $ | 210,442 |
Purchase (discount) premium | (5,606) |  |  | 5,080 |  |  | (526) |
Purchase price | $ | 133,404 |  |  | $ | 76,512 |  |  | $ | 209,916 |
Three Months Ended September 30, 2020 |  |  |  |  |
Purchases: |  |  |  |  |
Outstanding balance | $ | 6,960 |  |  | $ | — |  |  | $ | 6,960 |
Purchase discount | (280) |  |  | — |  |  | (280) |
Purchase price | $ | 6,680 |  |  | $ | — |  |  | $ | 6,680 |
Nine Months Ended September 30, 2020 |  |  |  |  |
Purchases: |  |  |  |  |
Outstanding balance | $ | 41,272 |  |  | $ | — |  |  | $ | 41,272 |
Purchase discount | (1,396) |  |  | — |  |  | (1,396) |
Purchase price | $ | 39,876 |  |  | $ | — |  |  | $ | 39,876 |
Financing Receivable, Collateral-Dependent | The following table presents the amortized cost basis of collateral-dependent loans by class, which are individually evaluated to determine expected credit losses, and the related ACL allocated to these loans as of September 30, 2021 and December 31, 2020:
(dollars in thousands) | Secured by 1-4 Family Residential Properties |  | Secured by Nonfarm Nonresidential Properties |  | Secured by Real Estate and Business Assets |  |  |  | Total |  | Allocated ACL
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | — |  |  | $ | — |  |  | $ | 538 |  |  |  |  | $ | 538 |  |  | $ | 61 |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 9,808 |  |  | — |  |  | — |  |  |  |  | 9,808 |  |  | — |
Home equity | 880 |  |  | — |  |  | — |  |  |  |  | 880 |  |  | — |
Commercial mortgage | — |  |  | 499 |  |  | — |  |  |  |  | 499 |  |  | — |
Total | $ | 10,688 |  |  | $ | 499 |  |  | $ | 538 |  |  |  |  | $ | 11,725 |  |  | $ | 61 |
(dollars in thousands) | Secured by 1-4 Family Residential Properties |  | Secured by Nonfarm Nonresidential Properties |  | Secured by Real Estate and Business Assets |  |  |  | Total |  | Allocated ACL
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural | $ | — |  |  | $ | — |  |  | $ | 676 |  |  |  |  | $ | 676 |  |  | $ | 209 |
Real estate: |  |  |  |  |  |  |  |  |  |  |
Residential mortgage | 9,833 |  |  | — |  |  | — |  |  |  |  | 9,833 |  |  | — |
Home equity | 524 |  |  | — |  |  | — |  |  |  |  | 524 |  |  | — |
Commercial mortgage | — |  |  | 626 |  |  | — |  |  |  |  | 626 |  |  | — |
Total | $ | 10,357 |  |  | $ | 626 |  |  | $ | 676 |  |  |  |  | $ | 11,659 |  |  | $ | 209 |
Schedule of aging of the recorded investment in past due loans and leases, by class | The following tables present by class, the aging of the recorded investment in past due loans as of September 30, 2021 and December 31, 2020. The following tables also present the amortized cost of loans on nonaccrual status for which there was no related ACL under ASC 326 as of September 30, 2021 and December 31, 2020.
(dollars in thousands) | Accruing Loans 30 - 59 Days Past Due |  | Accruing Loans 60 - 89 Days Past Due |  | Accruing Loans Greater Than 90 Days Past Due |  | Nonaccrual Loans |  | Total Past Due and Nonaccrual |  | Loans and Leases Not Past Due |  | Total |  | Nonaccrual Loans With No ACL
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SBA PPP | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 218,671 |  |  | $ | 218,671 |  |  | $ | — |
Other | 407 |  |  | 197 |  |  | — |  |  | 689 |  |  | 1,293 |  |  | 517,580 |  |  | 518,873 |  |  | 188 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 128,908 |  |  | 128,908 |  |  | — |
Residential mortgage | — |  |  | 855 |  |  | 444 |  |  | 5,351 |  |  | 6,650 |  |  | 1,742,079 |  |  | 1,748,729 |  |  | 5,350 |
Home equity | 83 |  |  | 194 |  |  | — |  |  | 880 |  |  | 1,157 |  |  | 617,794 |  |  | 618,951 |  |  | 880 |
Commercial mortgage | 269 |  |  | — |  |  | — |  |  | — |  |  | 269 |  |  | 1,208,148 |  |  | 1,208,417 |  |  | — |
Consumer | 1,645 |  |  | 297 |  |  | 166 |  |  | 317 |  |  | 2,425 |  |  | 600,823 |  |  | 603,248 |  |  | — |
Total | $ | 2,404 |  |  | $ | 1,543 |  |  | $ | 610 |  |  | $ | 7,237 |  |  | $ | 11,794 |  |  | $ | 5,034,003 |  |  | $ | 5,045,797 |  |  | $ | 6,418 |
(dollars in thousands) | Accruing Loans 30 - 59 Days Past Due |  | Accruing Loans 60 - 89 Days Past Due |  | Accruing Loans Greater Than 90 Days Past Due |  | Nonaccrual Loans |  | Total Past Due and Nonaccrual |  | Loans and Leases Not Past Due |  | Total |  | Nonaccrual Loans With No ACL
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
SBA PPP | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 416,375 |  |  | $ | 416,375 |  |  | $ | — |
Other | 613 |  |  | 350 |  |  | — |  |  | 1,461 |  |  | 2,424 |  |  | 542,667 |  |  | 545,091 |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 125,407 |  |  | 125,407 |  |  | — |
Residential mortgage | 2,832 |  |  | 689 |  |  | 567 |  |  | 4,115 |  |  | 8,203 |  |  | 1,682,009 |  |  | 1,690,212 |  |  | 4,115 |
Home equity | 273 |  |  | 3 |  |  | — |  |  | 524 |  |  | 800 |  |  | 550,466 |  |  | 551,266 |  |  | 524 |
Commercial mortgage | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,156,328 |  |  | 1,156,328 |  |  | — |
Consumer | 2,725 |  |  | 906 |  |  | 240 |  |  | 92 |  |  | 3,963 |  |  | 475,471 |  |  | 479,434 |  |  | — |
Total | $ | 6,443 |  |  | $ | 1,948 |  |  | $ | 807 |  |  | $ | 6,192 |  |  | $ | 15,390 |  |  | $ | 4,948,723 |  |  | $ | 4,964,113 |  |  | $ | 4,639 |
Schedule Of Debt Instrument, Deferrals |
Schedule of information related to loans modified in a TDR, by class | The following table presents by class, information related to loans modified in a TDR during the three and nine months ended September 30, 2021 and 2020:
(dollars in thousands) | Number of Contracts |  | Recorded Investment (as of Period End) |  | Increase in the ACL
Three Months Ended September 30, 2021 |  |  |  |  |
Real estate: Residential mortgage | 1 |  |  | $ | 61 |  |  | $ | — |
Total | 1 |  |  | $ | 61 |  |  | $ | — |
Nine Months Ended September 30, 2021 |  |  |  |  |
Real estate: Residential mortgage | 1 |  |  | $ | 61 |  |  | $ | — |
Total | 1 |  |  | $ | 61 |  |  | $ | — |
The Company modified one additional loan totaling $0.6 million during the three months ended March 31,2021. The loan was paid off during the three months ended June 30, 2021.
(dollars in thousands) | Number of Contracts |  | Recorded Investment (as of Period End) |  | Increase in the ACL
Three Months Ended September 30, 2020 |  |  |  |  |
Consumer | 3 |  |  | $ | 80 |  |  | $ | — |
Total | 3 |  |  | $ | 80 |  |  | $ | — |
Nine Months Ended September 30, 2020 |  |  |  |  |
Real estate: Commercial mortgage | 1 |  |  | $ | 281 |  |  | $ | — |
Consumer | 11 |  |  | 214 |  |  | — |
Total | 12 |  |  | $ | 495 |  |  | $ | — |
Schedule of recorded investment in loans and leases, by class and credit indicator | The following table presents the amortized cost basis of the Company's loans by class, credit quality indicator and origination year as of September 30, 2021 and December 31, 2020. Revolving loans converted to term as of and during the three and nine months ended September 30, 2021 and 2020 were not material to the total loan portfolio.
| Amortized Cost of Term Loans by Origination Year |  |  |  |
(dollars in thousands) | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Amortized Cost of Revolving Loans |  | Total
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural - SBA PPP: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 182,415 |  |  | $ | 36,256 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 218,671 |
Subtotal | 182,415 |  |  | 36,256 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 218,671 |
Commercial, financial and agricultural - Other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 85,710 |  |  | 59,807 |  |  | 59,784 |  |  | 61,017 |  |  | 33,634 |  |  | 110,579 |  |  | 73,030 |  |  | 483,561 |
Special Mention | 914 |  |  | 5,036 |  |  | 7,350 |  |  | 387 |  |  | 9,206 |  |  | 424 |  |  | — |  |  | 23,317 |
Substandard | 167 |  |  | — |  |  | 641 |  |  | 1,961 |  |  | 6,930 |  |  | 2,296 |  |  | — |  |  | 11,995 |
Subtotal | 86,791 |  |  | 64,843 |  |  | 67,775 |  |  | 63,365 |  |  | 49,770 |  |  | 113,299 |  |  | 73,030 |  |  | 518,873 |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 17,819 |  |  | 22,932 |  |  | 32,830 |  |  | 29,217 |  |  | 291 |  |  | 20,571 |  |  | 4,328 |  |  | 127,988 |
Substandard | — |  |  | — |  |  | — |  |  | 920 |  |  | — |  |  | — |  |  | — |  |  | 920 |
Subtotal | 17,819 |  |  | 22,932 |  |  | 32,830 |  |  | 30,137 |  |  | 291 |  |  | 20,571 |  |  | 4,328 |  |  | 128,908 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 442,001 |  |  | 499,142 |  |  | 196,854 |  |  | 89,217 |  |  | 102,258 |  |  | 412,485 |  |  | — |  |  | 1,741,957 |
Special Mention | — |  |  | 979 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 979 |
Substandard | — |  |  | — |  |  | — |  |  | 1,092 |  |  | 893 |  |  | 3,808 |  |  | — |  |  | 5,793 |
Subtotal | 442,001 |  |  | 500,121 |  |  | 196,854 |  |  | 90,309 |  |  | 103,151 |  |  | 416,293 |  |  | — |  |  | 1,748,729 |
Home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 17,687 |  |  | 14,145 |  |  | 11,407 |  |  | 11,564 |  |  | 729 |  |  | 8,094 |  |  | 554,445 |  |  | 618,071 |
Substandard | — |  |  | 355 |  |  | — |  |  | 80 |  |  | — |  |  | 445 |  |  | — |  |  | 880 |
Subtotal | 17,687 |  |  | 14,500 |  |  | 11,407 |  |  | 11,644 |  |  | 729 |  |  | 8,539 |  |  | 554,445 |  |  | 618,951 |
Commercial mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 176,873 |  |  | 138,875 |  |  | 144,713 |  |  | 127,048 |  |  | 159,234 |  |  | 404,683 |  |  | 9,718 |  |  | 1,161,144 |
Special Mention | — |  |  | — |  |  | 7,059 |  |  | 6,642 |  |  | 290 |  |  | 6,893 |  |  | — |  |  | 20,884 |
Substandard | — |  |  | — |  |  | 1,760 |  |  | 8,050 |  |  | 1,800 |  |  | 14,779 |  |  | — |  |  | 26,389 |
Subtotal | 176,873 |  |  | 138,875 |  |  | 153,532 |  |  | 141,740 |  |  | 161,324 |  |  | 426,355 |  |  | 9,718 |  |  | 1,208,417 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 220,208 |  |  | 108,571 |  |  | 105,581 |  |  | 50,109 |  |  | 25,670 |  |  | 12,583 |  |  | 80,041 |  |  | 602,763 |
Substandard | — |  |  | 117 |  |  | 103 |  |  | 54 |  |  | 28 |  |  | 129 |  |  | — |  |  | 431 |
Loss | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 54 |  |  | — |  |  | 54 |
Subtotal | 220,208 |  |  | 108,688 |  |  | 105,684 |  |  | 50,163 |  |  | 25,698 |  |  | 12,766 |  |  | 80,041 |  |  | 603,248 |
Total | $ | 1,143,794 |  |  | $ | 886,215 |  |  | $ | 568,082 |  |  | $ | 387,358 |  |  | $ | 340,963 |  |  | $ | 997,823 |  |  | $ | 721,562 |  |  | $ | 5,045,797 |
| Amortized Cost of Term Loans by Origination Year |  |  |  |
(dollars in thousands) | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Amortized Cost of Revolving Loans |  | Total
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural - SBA PPP: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 416,375 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 416,375 |
Subtotal | 416,375 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 416,375 |
Commercial, financial and agricultural - Other: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 86,456 |  |  | $ | 55,660 |  |  | $ | 61,314 |  |  | $ | 47,672 |  |  | $ | 39,337 |  |  | $ | 98,136 |  |  | $ | 82,465 |  |  | $ | 471,040 |
Special Mention | 9,690 |  |  | 16,120 |  |  | 6,293 |  |  | 26,109 |  |  | 1,556 |  |  | 6,989 |  |  | 420 |  |  | 67,177 |
Substandard | 200 |  |  | 839 |  |  | 1,043 |  |  | 1,045 |  |  | 2,570 |  |  | 1,177 |  |  | — |  |  | 6,874 |
Subtotal | 96,346 |  |  | 72,619 |  |  | 68,650 |  |  | 74,826 |  |  | 43,463 |  |  | 106,302 |  |  | 82,885 |  |  | 545,091 |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 22,491 |  |  | 29,518 |  |  | 36,790 |  |  | 9,365 |  |  | 2,163 |  |  | 19,138 |  |  | 3,099 |  |  | 122,564 |
Special Mention | — |  |  | — |  |  | 2,843 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,843 |
Subtotal | 22,491 |  |  | 29,518 |  |  | 39,633 |  |  | 9,365 |  |  | 2,163 |  |  | 19,138 |  |  | 3,099 |  |  | 125,407 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 556,479 |  |  | 276,645 |  |  | 127,490 |  |  | 136,307 |  |  | 180,782 |  |  | 406,020 |  |  | — |  |  | 1,683,723 |
Special Mention | 997 |  |  | — |  |  | — |  |  | 597 |  |  | 142 |  |  | — |  |  | — |  |  | 1,736 |
Substandard | — |  |  | — |  |  | 537 |  |  | 785 |  |  | 1,381 |  |  | 2,050 |  |  | — |  |  | 4,753 |
Subtotal | 557,476 |  |  | 276,645 |  |  | 128,027 |  |  | 137,689 |  |  | 182,305 |  |  | 408,070 |  |  | — |  |  | 1,690,212 |
Home equity: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 17,582 |  |  | 15,851 |  |  | 15,567 |  |  | 679 |  |  | 1,023 |  |  | 4,592 |  |  | 494,741 |  |  | 550,035 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 707 |  |  | 707 |
Substandard | — |  |  | — |  |  | — |  |  | — |  |  | 200 |  |  | 324 |  |  | — |  |  | 524 |
Subtotal | 17,582 |  |  | 15,851 |  |  | 15,567 |  |  | 679 |  |  | 1,223 |  |  | 4,916 |  |  | 495,448 |  |  | 551,266 |
Commercial mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 130,448 |  |  | 144,244 |  |  | 123,519 |  |  | 166,618 |  |  | 104,381 |  |  | 363,837 |  |  | 16,200 |  |  | 1,049,247 |
Special Mention | — |  |  | 2,021 |  |  | 31,647 |  |  | 2,919 |  |  | 13,546 |  |  | 19,653 |  |  | — |  |  | 69,786 |
Substandard | — |  |  | 1,791 |  |  | 19,000 |  |  | 1,934 |  |  | — |  |  | 14,570 |  |  | — |  |  | 37,295 |
Subtotal | 130,448 |  |  | 148,056 |  |  | 174,166 |  |  | 171,471 |  |  | 117,927 |  |  | 398,060 |  |  | 16,200 |  |  | 1,156,328 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Risk Rating |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | 112,955 |  |  | 147,940 |  |  | 78,486 |  |  | 44,571 |  |  | 17,445 |  |  | 4,032 |  |  | 73,423 |  |  | 478,852 |
Special Mention | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 250 |  |  | 250 |
Substandard | — |  |  | 138 |  |  | 102 |  |  | 22 |  |  | — |  |  | 22 |  |  | — |  |  | 284 |
Loss | — |  |  | 16 |  |  | — |  |  | 26 |  |  | 2 |  |  | 4 |  |  | — |  |  | 48 |
Subtotal | 112,955 |  |  | 148,094 |  |  | 78,588 |  |  | 44,619 |  |  | 17,447 |  |  | 4,058 |  |  | 73,673 |  |  | 479,434 |
Total | $ | 1,353,673 |  |  | $ | 690,783 |  |  | $ | 504,631 |  |  | $ | 438,649 |  |  | $ | 364,528 |  |  | $ | 940,544 |  |  | $ | 671,305 |  |  | $ | 4,964,113 |
The following tables present the Company's loans by class and credit quality indicator as of September 30, 2021 and December 31, 2020:
(dollars in thousands) | Pass |  | Special Mention |  | Substandard |  | Loss |  | Subtotal |  | Net Deferred Fees and Costs |  | Total
September 30, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural: SBA PPP | $ | 226,596 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 226,596 |  |  | $ | (7,925) |  |  | $ | 218,671 |
Commercial, financial and agricultural: Other | 483,915 |  |  | 23,317 |  |  | 11,995 |  |  | — |  |  | 519,227 |  |  | (354) |  |  | 518,873 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | 128,287 |  |  | — |  |  | 920 |  |  | — |  |  | 129,207 |  |  | (299) |  |  | 128,908 |
Residential mortgage | 1,740,411 |  |  | 979 |  |  | 5,793 |  |  | — |  |  | 1,747,183 |  |  | 1,546 |  |  | 1,748,729 |
Home equity | 616,665 |  |  | — |  |  | 880 |  |  | — |  |  | 617,545 |  |  | 1,406 |  |  | 618,951 |
Commercial mortgage | 1,163,187 |  |  | 20,884 |  |  | 26,389 |  |  | — |  |  | 1,210,460 |  |  | (2,043) |  |  | 1,208,417 |
Consumer | 602,871 |  |  | — |  |  | 431 |  |  | 54 |  |  | 603,356 |  |  | (108) |  |  | 603,248 |
Total | $ | 4,961,932 |  |  | $ | 45,180 |  |  | $ | 46,408 |  |  | $ | 54 |  |  | $ | 5,053,574 |  |  | $ | (7,777) |  |  | $ | 5,045,797 |
(dollars in thousands) | Pass |  | Special Mention |  | Substandard |  | Loss |  | Subtotal |  | Net Deferred Fees and Costs |  | Total
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial and agricultural: SBA PPP | $ | 425,993 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 425,993 |  |  | $ | (9,618) |  |  | $ | 416,375 |
Commercial, financial and agricultural: Other | 471,085 |  |  | 67,177 |  |  | 6,874 |  |  | — |  |  | 545,136 |  |  | (45) |  |  | 545,091 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Construction | 122,782 |  |  | 2,843 |  |  | — |  |  | — |  |  | 125,625 |  |  | (218) |  |  | 125,407 |
Residential mortgage | 1,680,762 |  |  | 1,736 |  |  | 4,753 |  |  | — |  |  | 1,687,251 |  |  | 2,961 |  |  | 1,690,212 |
Home equity | 548,985 |  |  | 707 |  |  | 524 |  |  | — |  |  | 550,216 |  |  | 1,050 |  |  | 551,266 |
Commercial mortgage | 1,051,122 |  |  | 69,786 |  |  | 37,295 |  |  | — |  |  | 1,158,203 |  |  | (1,875) |  |  | 1,156,328 |
Consumer | 478,998 |  |  | 250 |  |  | 284 |  |  | 48 |  |  | 479,580 |  |  | (146) |  |  | 479,434 |
Total | $ | 4,779,727 |  |  | $ | 142,499 |  |  | $ | 49,730 |  |  | $ | 48 |  |  | $ | 4,972,004 |  |  | $ | (7,891) |  |  | $ | 4,964,113 |

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