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LOANS AND CREDIT QUALITY (Tables)
 9 Months Ended
Sep. 30, 2022
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, 2022 and December 31, 2021 consisted of the following:
(dollars in thousands)September 30, 2022December 31, 2021
Commercial, financial and agricultural:
Small Business Administration Paycheck Protection Program$5,440 $94,850 
Other517,773 530,383 
Real estate:
Construction152,238 123,351 
Residential mortgage1,922,503 1,875,200 
Home equity717,478 635,721 
Commercial mortgage1,337,685 1,222,138 
Consumer770,075 624,115 
Gross loans5,423,192 5,105,758 
Net deferred fees(980)(4,109)
Total loans, net of deferred fees and costs5,422,212 5,101,649 
Allowance for credit losses(64,382)(68,097)
Total loans, net of allowance for credit losses$5,357,830 $5,033,552 
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 - UnsecuredU.S. Mainland Consumer - AutomobileTotal
Three Months Ended September 30, 2022
Purchases:
Outstanding balance$90,461 $— $90,461 
(Discount) premium(3,976)— (3,976)
Purchase price$86,485 $— $86,485 
Nine Months Ended September 30, 2022
Purchases:
Outstanding balance$195,227 $64,890 $260,117 
(Discount) premium(11,386)3,457 (7,929)
Purchase price$183,841 $68,347 $252,188 
Three Months Ended September 30, 2021
Purchases:
Outstanding balance$70,994 $22,061 $93,055 
(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 
(Discount) premium(5,606)5,080 (526)
Purchase price$133,404 $76,512 $209,916 
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, 2022 and December 31, 2021:
(dollars in thousands)Secured by
1-4 Family
Residential
Properties		Secured by
Nonfarm
Nonresidential
Properties		Secured by
Real Estate
and Business
 Assets		TotalAllocated
ACL
September 30, 2022
Real estate:
Residential mortgage$4,801 $— $— $4,801 $— 
Home equity584 — — 584 — 
Total$5,385 $— $— $5,385 $— 

(dollars in thousands)Secured by
1-4 Family
Residential
Properties		Secured by
Nonfarm
Nonresidential
Properties		Secured by
Real Estate
and Business
 Assets		TotalAllocated
ACL
December 31, 2021
Real estate:
Residential mortgage$8,391 $— $— $8,391 $— 
Home equity786 — — 786 — 
Total$9,177 $— $— $9,177 $— 
Schedule of aging of the recorded investment in past due loans and leases, by class The following tables present by class, the aging of the recorded investment in past due loans as of September 30, 2022 and December 31, 2021. The following tables also present the amortized cost of loans on nonaccrual status for which there was no related ACL under ASC 326 as of September 30, 2022 and December 31, 2021.
(dollars in thousands)Accruing
Loans
30 - 59 Days
Past Due		Accruing
Loans
60 - 89 Days
Past Due		Accruing
Loans
Greater 
Than
90 Days
Past Due		Nonaccrual
Loans		Total
Past Due
and
Nonaccrual		Loans and
Leases
Not
Past Due		TotalNonaccrual
Loans
With
No ACL
September 30, 2022       
Commercial, financial and agricultural:
SBA PPP$— $— $— $— $— $5,208 $5,208 $— 
Other1,651 453 669 277 3,050 514,229 517,279 — 
Real estate:  
Construction902 — — — 902 150,694 151,596 — 
Residential mortgage— 2,773 503 2,771 6,047 1,917,021 1,923,068 2,771 
Home equity286 44 — 584 914 718,485 719,399 584 
Commercial mortgage1,611 — — — 1,611 1,334,135 1,335,746 — 
Consumer3,378 912 623 588 5,501 764,415 769,916 — 
Total$7,828 $4,182 $1,795 $4,220 $18,025 $5,404,187 $5,422,212 $3,355 
(dollars in thousands)Accruing
Loans
30 - 59 Days
Past Due		Accruing
Loans
60 - 89 Days
Past Due		Accruing
Loans
Greater 
Than
90 Days
Past Due		Nonaccrual
Loans		Total
Past Due
and
Nonaccrual		Loans and
Leases
Not
Past Due		TotalNonaccrual
Loans
With
No ACL
December 31, 2021       
Commercial, financial and agricultural:
SBA PPP$— $— $— $— $— $91,327 $91,327 $— 
Other970 604 945 183 2,702 527,419 530,121 — 
Real estate:  
Construction638 — — — 638 122,229 122,867 — 
Residential mortgage5,315 — — 4,623 9,938 1,866,042 1,875,980 4,623 
Home equity234 — 44 786 1,064 636,185 637,249 786 
Commercial mortgage— — — — — 1,220,204 1,220,204 — 
Consumer2,444 712 374 289 3,819 620,082 623,901 — 
Total$9,601 $1,316 $1,363 $5,881 $18,161 $5,083,488 $5,101,649 $5,409 
Schedule Of Debt Instrument, Deferrals
Schedule of information related to loans modified in a TDR, by class
The Company did not modify any loans during the three and nine months ended September 30, 2022.

The Company did not modify any loans during the three months ended September 30, 2021. The Company modified one commercial, financial and agricultural loan totaling $0.6 million during the three months ended March 31,2021. The loan was subsequently paid off during the three months ended June 30, 2021.
Schedule of recorded investment in loans and leases, by class and credit indicator The following tables present the amortized cost basis of the Company's loans by class, credit quality indicator and origination year as of September 30, 2022 and December 31, 2021. Revolving loans converted to term as of and during the three and nine months ended September 30, 2022 and 2021 were not material to the total loan portfolio.
Amortized Cost of Term Loans by Origination Year
(dollars in thousands)20222021202020192018PriorAmortized Cost of Revolving LoansTotal
September 30, 2022
Commercial, financial and agricultural - SBA PPP:
Risk Rating
Pass$— $5,192 $16 $— $— $— $— $5,208 
Subtotal— 5,192 16 — — — — 5,208 
Commercial, financial and agricultural - Other:
Risk Rating
Pass53,950 105,121 44,884 51,383 39,990 128,665 78,614 502,607 
Special Mention2,396 400 224 1,148 788 1 82 5,039 
Substandard— 768 903 141 347 7,335 139 9,633 
Subtotal56,346 106,289 46,011 52,672 41,125 136,001 78,835 517,279 
Construction:
Risk Rating
Pass15,554 50,450 22,888 3,115 27,385 18,294 7,737 145,423 
Special Mention— 5,271 — — 902 — — 6,173 
Subtotal15,554 55,721 22,888 3,115 28,287 18,294 7,737 151,596 
Residential mortgage:
Risk Rating
Pass231,361 647,157 438,811 157,121 60,820 383,569 — 1,918,839 
Substandard— — 954 — 503 2,772 — 4,229 
Subtotal231,361 647,157 439,765 157,121 61,323 386,341 — 1,923,068 
Home equity:
Risk Rating
Pass34,310 23,101 10,402 7,572 7,268 11,464 624,505 718,622 
Special Mention— — — — — — 193 193 
Substandard— — — — 78 506 — 584 
Subtotal34,310 23,101 10,402 7,572 7,346 11,970 624,698 719,399 
Commercial mortgage:
Risk Rating
Pass183,749 222,117 120,444 131,716 141,356 477,624 10,383 1,287,389 
Special Mention— — — 14,233 1,007 19,483 — 34,723 
Substandard— 1,158 — 1,711 2,148 8,617 — 13,634 
Subtotal183,749 223,275 120,444 147,660 144,511 505,724 10,383 1,335,746 
Consumer:
Risk Rating
Pass292,469 259,449 66,240 58,102 24,052 14,306 53,960 768,578 
Special Mention— — — 126 — — — 126 
Substandard9 116 50 200 62 463 — 900 
Loss— — — — — 312 — 312 
Subtotal292,478 259,565 66,290 58,428 24,114 15,081 53,960 769,916 
Total$813,798 $1,320,300 $705,816 $426,568 $306,706 $1,073,411 $775,613 $5,422,212 
Amortized Cost of Term Loans by Origination Year
(dollars in thousands)20212020201920182017PriorAmortized Cost of Revolving LoansTotal
December 31, 2021
Commercial, financial and agricultural - SBA PPP:
Risk Rating
Pass$84,254 $7,073 $— $— $— $— $— $91,327 
Subtotal84,254 7,073 — — — — — 91,327 
Commercial, financial and agricultural - Other:
Risk Rating
Pass$122,729 $68,021 $56,531 $52,375 $31,817 $93,957 $79,131 $504,561 
Special Mention1,441 1,278 2,443 96 8,671 354 — 14,283 
Substandard— 982 393 682 6,623 1,847 750 11,277 
Subtotal124,170 70,281 59,367 53,153 47,111 96,158 79,881 530,121 
Construction:
Risk Rating
Pass35,236 25,430 3,196 28,333 288 20,090 9,376 121,949 
Substandard— — — 918 — — — 918 
Subtotal35,236 25,430 3,196 29,251 288 20,090 9,376 122,867 
Residential mortgage:
Risk Rating
Pass670,011 478,891 180,687 75,820 92,394 372,539 42 1,870,384 
Special Mention— 973 — — — — — 973 
Substandard— — — 577 881 3,165 — 4,623 
Subtotal670,011 479,864 180,687 76,397 93,275 375,704 42 1,875,980 
Home equity:
Risk Rating
Pass26,479 13,008 10,329 10,593 480 7,743 567,600 636,232 
Special Mention— — — — — — 187 187 
Substandard— 176 — 79 — 575 — 830 
Subtotal26,479 13,184 10,329 10,672 480 8,318 567,787 637,249 
Commercial mortgage:
Risk Rating
Pass229,108 126,169 146,584 126,014 153,041 387,751 9,472 1,178,139 
Special Mention— — 3,106 3,219 283 9,455 — 16,063 
Substandard— — 1,760 8,050 1,784 14,408 — 26,002 
Subtotal229,108 126,169 151,450 137,283 155,108 411,614 9,472 1,220,204 
Consumer:
Risk Rating
Pass308,326 96,066 91,194 41,995 20,719 9,446 55,311 623,057 
Special Mention— — 181 — 10 7 — 198 
Substandard10 35 128 80 19 221 — 493 
Loss— — — — — 153 — 153 
Subtotal308,336 96,101 91,503 42,075 20,748 9,827 55,311 623,901 
Total$1,477,594 $818,102 $496,532 $348,831 $317,010 $921,711 $721,869 $5,101,649 
The following tables present the Company's loans by class and credit quality indicator as of September 30, 2022 and December 31, 2021:
(dollars in thousands)PassSpecial MentionSubstandardLossSubtotalNet Deferred Fees and CostsTotal
September 30, 2022      
Commercial, financial and agricultural: SBA PPP$5,440 $— $— $— $5,440 $(232)$5,208 
Commercial, financial and agricultural: Other503,101 5,039 9,633 — 517,773 (494)517,279 
Real estate:  
Construction146,065 6,173 — — 152,238 (642)151,596 
Residential mortgage1,918,274 — 4,229 — 1,922,503 565 1,923,068 
Home equity716,701 193 584 — 717,478 1,921 719,399 
Commercial mortgage1,289,328 34,723 13,634 — 1,337,685 (1,939)1,335,746 
Consumer768,737 126 900 312 770,075 (159)769,916 
Total$5,347,646 $46,254 $28,980 $312 $5,423,192 $(980)$5,422,212 

(dollars in thousands)PassSpecial MentionSubstandardLossSubtotalNet Deferred Fees and CostsTotal
December 31, 2021      
Commercial, financial and agricultural: SBA PPP$94,850 $— $— $— $94,850 $(3,523)$91,327 
Commercial, financial and agricultural: Other504,823 14,283 11,277 — 530,383 (262)530,121 
Real estate:  
Construction122,433 — 918 — 123,351 (484)122,867 
Residential mortgage1,869,604 973 4,623 — 1,875,200 780 1,875,980 
Home equity634,704 187 830 — 635,721 1,528 637,249 
Commercial mortgage1,180,074 16,062 26,002 — 1,222,138 (1,934)1,220,204 
Consumer623,271 181 510 153 624,115 (214)623,901 
Total$5,029,759 $31,686 $44,160 $153 $5,105,758 $(4,109)$5,101,649