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LOANS AND CREDIT QUALITY (Tables)
 3 Months Ended
Mar. 31, 2024
Receivables [Abstract]  
Schedule of loans and leases, excluding loans held for sale
The following table presents loans by class, excluding loans held for sale, net of deferred fees and costs as of the dates presented:

(dollars in thousands)March 31, 2024December 31, 2023
Commercial and industrial$576,088 $576,038 
Real estate:
Construction168,989 185,994 
Residential mortgage1,924,403 1,927,206 
Home equity727,218 734,500 
Commercial mortgage1,424,305 1,384,579 
Consumer580,741 630,898 
Gross loans5,401,744 5,439,215 
Net deferred fees and costs(327)(233)
Total loans, net of deferred fees and costs$5,401,417 $5,438,982 
Financing Receivable, Purchased With Credit Deterioration
The following tables present loans purchased by class for the periods presented. No loan portfolios were purchased during the three months ended March 31, 2024.

Three Months Ended March 31, 2023
(dollars in thousands)U.S. Mainland Consumer - UnsecuredU.S. Mainland Consumer - AutomobileTotal
Purchases:
Outstanding balance$3,780 $15,159 $18,939 
Premium— 568 568 
Purchase price$3,780 $15,727 $19,507 
Schedule of aging of the recorded investment in past due loans and leases, by class The following tables also present the amortized cost of loans on nonaccrual status for which there was no related ACL as of the dates presented:
(dollars in thousands)Accruing
Loans
30 - 59 Days
Past Due		Accruing
Loans
60 - 89 Days
Past Due		Accruing
Loans
90+ Days
Past Due		Nonaccrual
Loans		Total
Past Due
and
Nonaccrual		Loans Not
Past Due		Total LoansNonaccrual
Loans
With
No ACL
March 31, 2024       
Commercial and industrial$1,368 $370 $— $357 $2,095 $574,001 $576,096 $— 
Real estate:  
Construction— — 588 — 588 167,981 168,569 — 
Residential mortgage2,775 1,274 386 7,979 12,414 1,912,475 1,924,889 6,948 
Home equity707 — 560 929 2,196 727,014 729,210 929 
Commercial mortgage— — — 77 77 1,422,185 1,422,262 77 
Consumer4,241 1,691 924 790 7,646 572,745 580,391 — 
Total$9,091 $3,335 $2,458 $10,132 $25,016 $5,376,401 $5,401,417 $7,954 

(dollars in thousands)Accruing
Loans
30 - 59 Days
Past Due		Accruing
Loans
60 - 89 Days
Past Due		Accruing
Loans
90+ Days
Past Due		Nonaccrual
Loans		Total
Past Due
and
Nonaccrual		Loans Not
Past Due		Total LoansNonaccrual
Loans
With
No ACL
December 31, 2023       
Commercial and industrial$513 $169 $— $432 $1,114 $574,593 $575,707 $— 
Real estate:  
Construction— — — — — 185,519 185,519 — 
Residential mortgage3,082 2,140 — 4,962 10,184 1,917,605 1,927,789 4,855 
Home equity804 400 229 834 2,267 734,257 736,524 834 
Commercial mortgage— — — 77 77 1,382,825 1,382,902 77 
Consumer5,677 2,329 1,083 703 9,792 620,749 630,541 — 
Total$10,076 $5,038 $1,312 $7,008 $23,434 $5,415,548 $5,438,982 $5,766 
Schedule of balance in the allowance for loan and lease losses and the recorded investment in loans and leases based on the impairment measurement methods, by class The following tables present 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 the dates presented:
(dollars in thousands)Secured by
1-4 Family
Residential
Properties		Secured by
Nonfarm
Nonresidential
Properties		TotalAllocated
ACL
March 31, 2024
Real estate:
Residential mortgage$9,438 $— $9,438 $291 
Home equity929 — 929 — 
Commercial mortgage— 77 77 — 
Total$10,367 $77 $10,444 $291 
(dollars in thousands)Secured by
1-4 Family
Residential
Properties		Secured by
Nonfarm
Nonresidential
Properties		TotalAllocated
ACL
December 31, 2023
Real estate:
Residential mortgage$6,450 $— $6,450 $47 
Home equity834 — 834 — 
Commercial mortgage— 77 77 — 
Total$7,284 $77 $7,361 $47 
Schedule of recorded investment in loans and leases, by class and credit indicator
The following tables present the amortized cost basis, net of deferred (fees) costs, of the Company's loans by class, credit quality indicator and origination year as of the dates presented. Revolving loans converted to term as of and during the periods presented were not material to the total loan portfolio. In addition, the following tables present gross charge-offs of loans by origination year during the periods presented.

(dollars in thousands)Amortized Cost of Term Loans by Year of OriginationAmortized Cost of Revolving Loans
March 31, 202420242023202220212020PriorTotal
Commercial and industrial:
Risk Rating
Pass$37,614 $78,658 $83,837 $74,088 $30,721 $172,917 $91,170 $569,005 
Special Mention— 222 — 2,723 — 806 — 3,751 
Substandard— 70 1,058 688 604 920 — 3,340 
Subtotal37,614 78,950 84,895 77,499 31,325 174,643 91,170 576,096 
Construction:
Risk Rating
Pass— 10,345 49,193 60,077 13,794 31,918 2,654 167,981 
Substandard— — 588 — — — — 588 
Subtotal— 10,345 49,781 60,077 13,794 31,918 2,654 168,569 
Residential mortgage:
Risk Rating
Pass7,707 100,136 267,558 610,289 410,346 519,315 — 1,915,351 
Special Mention— — — — — 257 — 257 
Substandard— — 1,773 658 1,881 4,969 — 9,281 
Subtotal7,707 100,136 269,331 610,947 412,227 524,541 — 1,924,889 
Home equity:
Risk Rating
Pass336 12,084 32,543 18,765 8,074 24,762 631,158 727,722 
Substandard— — — — — 928 560 1,488 
Subtotal336 12,084 32,543 18,765 8,074 25,690 631,718 729,210 
Commercial mortgage:
Risk Rating
Pass47,725 96,160 258,505 201,934 113,839 687,403 6,661 1,412,227 
Special Mention— 625 — — — 1,391 — 2,016 
Substandard— — — 2,567 — 5,452 — 8,019 
Subtotal47,725 96,785 258,505 204,501 113,839 694,246 6,661 1,422,262 
Consumer:
Risk Rating
Pass6,987 84,938 235,559 129,145 32,035 31,016 58,997 578,677 
Substandard— 38 301 237 37 1,070 5 1,688 
Loss— — — — — 26 — 26 
Subtotal6,987 84,976 235,860 129,382 32,072 32,112 59,002 580,391 
Total$100,369 $383,276 $930,915 $1,101,171 $611,331 $1,483,150 $791,205 $5,401,417 

(dollars in thousands)Gross Charge-Offs by Year of Origination
Three Months Ended March 31, 202420242023202220212020PriorTotal
Commercial and industrial$— $9 $171 $78 $13 $411 $682 
Consumer— 182 2,743 1,216 165 532 4,838 
Gross charge-offs$— $191 $2,914 $1,294 $178 $943 $5,520 
(dollars in thousands)Amortized Cost of Term Loans by Year of OriginationAmortized Cost of Revolving Loans
December 31, 202320232022202120202019PriorTotal
Commercial and industrial:
Risk Rating
Pass$83,333 $82,649 $77,551 $32,831 $42,162 $152,940 $90,177 $561,643 
Special Mention— — 2,916 — — 944 93 3,953 
Substandard37 1,189 576 662 571 7,026 50 10,111 
Subtotal83,370 83,838 81,043 33,493 42,733 160,910 90,320 575,707 
Construction:
Risk Rating
Pass8,434 52,596 69,203 18,878 2,136 31,090 2,778 185,115 
Special Mention— — 404 — — — — 404 
Subtotal8,434 52,596 69,607 18,878 2,136 31,090 2,778 185,519 
Residential mortgage:
Risk Rating
Pass101,473 266,314 609,648 414,430 144,312 385,452 — 1,921,629 
Special Mention— — — — — 268 — 268 
Substandard— 1,057 299 931 818 2,787 — 5,892 
Subtotal101,473 267,371 609,947 415,361 145,130 388,507 — 1,927,789 
Home equity:
Risk Rating
Pass12,229 32,208 19,589 8,766 6,372 17,379 638,917 735,460 
Substandard— — — — 66 998 — 1,064 
Subtotal12,229 32,208 19,589 8,766 6,438 18,377 638,917 736,524 
Commercial mortgage:
Risk Rating
Pass96,479 256,660 202,933 115,055 112,578 566,325 6,311 1,356,341 
Special Mention— — — — 10,513 9,638 — 20,151 
Substandard— — 2,587 — 1,654 2,169 — 6,410 
Subtotal96,479 256,660 205,520 115,055 124,745 578,132 6,311 1,382,902 
Consumer:
Risk Rating
Pass88,593 261,752 144,341 36,431 27,970 10,538 59,130 628,755 
Substandard58 231 205 87 83 1,084 10 1,758 
Loss— — — — — 28 — 28 
Subtotal88,651 261,983 144,546 36,518 28,053 11,650 59,140 630,541 
Total$390,636 $954,656 $1,130,252 $628,071 $349,235 $1,188,666 $797,466 $5,438,982 

(dollars in thousands)Gross Charge-Offs by Year of Origination
Three Months Ended March 31, 202320232022202120202019PriorTotal
Commercial and industrial$— $144 $32 $— $191 $412 $779 
Consumer— 904 1,186 200 180 216 2,686 
Gross charge-offs$— $1,048 $1,218 $200 $371 $628 $3,465