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LOANS RECEIVABLE AND ALLOWANCE FOR CREDIT LOSSES (Tables)

9 Months Ended

Sep. 30, 2022

Receivables [Abstract]

Schedule of Net Loans

Total net loans receivable at September 30, 2022 and December 31, 2021 are summarized as follows:

			September 30, 2022						Percentage of Total						December 31, 2021						Percentage of Total
Farmland			$	30,738					0.8		%				$	23,768					0.7		%
Owner-occupied, nonfarm nonresidential properties			461,709						11.5		%				434,672						12.0		%
Agricultural production and other loans to farmers			1,097						0.0		%				1,379						0.0		%
Commercial and Industrial 1			760,975						18.9		%				708,989						19.5		%
Obligations (other than securities and leases) of states and political subdivisions			147,956						3.7		%				140,887						3.9		%
Other loans			13,654						0.3		%				13,979						0.4		%
Other construction loans and all land development and other land loans			349,286						8.7		%				298,869						8.2		%
Multifamily (5 or more) residential properties			248,694						6.2		%				216,143						5.9		%
Non-owner occupied, nonfarm nonresidential properties			742,214						18.4		%				663,062						18.2		%
1-4 Family Construction			40,426						1.0		%				37,822						1.0		%
Home equity lines of credit			124,022						3.1		%				104,517						2.9		%
Residential Mortgages secured by first liens			921,180						22.9		%				826,729						22.7		%
Residential Mortgages secured by junior liens			68,494						1.7		%				56,689						1.6		%
Other revolving credit plans			29,374						0.7		%				26,536						0.7		%
Automobile			21,041						0.5		%				20,862						0.6		%
Other consumer			52,653						1.3		%				49,676						1.4		%
Credit cards			10,916						0.3		%				9,935						0.3		%
Overdrafts			236						0.0		%				278						0.0		%
Total loans receivable			$	4,024,665					100.0		%				$	3,634,792					100.0		%
Less: Allowance for credit losses			(41,269)												(37,588)
Loans receivable, net			$	3,983,396											$	3,597,204
Net deferred loan origination fees included in the above table			$	4,393											$	5,667
1 PPP loans, net of deferred PPP processing fees, both those disbursed in 2020 and those disbursed in 2021, are included in the Commercial and Industrial classification.

Allowance for Loan Losses

Transactions in the allowance for credit losses for the three months ended September 30, 2022 were as follows:

			Beginning Allowance						(Charge-offs)						Recoveries						Provision (Benefit) for Credit Losses on Loans Receivable(1)						Ending Allowance
Farmland			$	191					$	0					$	0					$	(8)					$	183
Owner-occupied, nonfarm nonresidential properties			3,714						0						3						(272)						3,445
Agricultural production and other loans to farmers			7						0						0						(2)						5
Commercial and Industrial			9,555						0						32						(21)						9,566
Obligations (other than securities and leases) of states and political subdivisions			1,665						0						0						97						1,762
Other loans			167						0						0						(2)						165
Other construction loans and all land development and other land loans			2,328						0						0						208						2,536
Multifamily (5 or more) residential properties			2,277						0						0						(171)						2,106
Non-owner occupied, nonfarm nonresidential properties			6,748						(169)						336						215						7,130
1-4 Family Construction			236						0						0						(56)						180
Home equity lines of credit			1,353						0						1						26						1,380
Residential Mortgages secured by first liens			7,664						(4)						1						198						7,859
Residential Mortgages secured by junior liens			628						0						0						338						966
Other revolving credit plans			598						(28)						12						58						640
Automobile			242						(7)						2						27						264
Other consumer			2,704						(404)						22						437						2,759
Credit cards			110						(15)						25						(33)						87
Overdrafts			356						(152)						35						(3)						236
Total			$	40,543					$	(779)					$	469					$	1,036					$	41,269

(1) Excludes provision for credit losses related to unfunded commitments. Note 8, "Off-Balance Sheet Commitments and Contingencies," in the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation.

Transactions in the allowance for credit losses for the nine months ended September 30, 2022 were as follows:

			Beginning Allowance						(Charge-offs)						Recoveries						Provision (Benefit) for Credit Losses on Loans Receivable(1)						Ending Allowance
Farmland			$	151					$	0					$	0					$	32					$	183
Owner-occupied, nonfarm nonresidential properties			3,339						(21)						12						115						3,445
Agricultural production and other loans to farmers			9						0						0						(4)						5
Commercial and Industrial			8,837						(85)						123						691						9,566
Obligations (other than securities and leases) of states and political subdivisions			1,649						0						0						113						1,762
Other loans			149						0						0						16						165
Other construction loans and all land development and other land loans			2,198						0						0						338						2,536
Multifamily (5 or more) residential properties			2,289						0						0						(183)						2,106
Non-owner occupied, nonfarm nonresidential properties			6,481						(169)						336						482						7,130
1-4 Family Construction			158						0						0						22						180
Home equity lines of credit			1,169						0						11						200						1,380
Residential Mortgages secured by first liens			6,943						(51)						13						954						7,859
Residential Mortgages secured by junior liens			546						0						0						420						966
Other revolving credit plans			528						(73)						46						139						640
Automobile			263						(20)						2						19						264
Other consumer			2,546						(1,174)						63						1,324						2,759
Credit cards			92						(74)						33						36						87
Overdrafts			241						(398)						109						284						236
Total			$	37,588					$	(2,065)					$	748					$	4,998					$	41,269

(1) Excludes provision for credit losses related to unfunded commitments. Note 8, "Off-Balance Sheet Commitments and Contingencies," in the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation.

Transactions in the allowance for credit losses for the three months ended September 30, 2021 were as follows:

			Beginning Allowance						(Charge-offs)						Recoveries						Provision (Benefit) for Credit Losses on Loans Receivable(1)						Ending Allowance
Farmland			$	124					$	0					$	0					$	(26)					$	98
Owner-occupied, nonfarm nonresidential properties			2,880						0						3						154						3,037
Agricultural production and other loans to farmers			12						0						0						(5)						7
Commercial and Industrial			7,312						(23)						52						989						8,330
Obligations (other than securities and leases) of states and political subdivisions			2,325						(157)						0						(289)						1,879
Other loans			117						0						0						(15)						102
Other construction loans and all land development and other land loans			2,364						(282)						0						287						2,369
Multifamily (5 or more) residential properties			2,314						0						0						(219)						2,095
Non-owner occupied, nonfarm nonresidential properties			10,162						(18)						0						(2,865)						7,279
1-4 Family Construction			110						0						0						116						226
Home equity lines of credit			1,029						(7)						1						197						1,220
Residential Mortgages secured by first liens			4,398						(5)						2						2,030						6,425
Residential Mortgages secured by junior liens			408						(3)						0						144						549
Other revolving credit plans			459						(5)						4						70						528
Automobile			241						(12)						0						49						278
Other consumer			2,402						(268)						25						331						2,490
Credit cards			68						(5)						6						43						112
Overdrafts			183						(127)						41						109						206
Total			$	36,908					$	(912)					$	134					$	1,100					$	37,230

(1) Excludes provision for credit losses related to unfunded commitments. Note 8, "Off-Balance Sheet Commitments and Contingencies," in the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation.

Transactions in the allowance for credit losses for the nine months ended September 30, 2021 were as follows:

			Beginning Allowance						(Charge-offs)						Recoveries						Provision (Benefit) for Credit Losses on Loans Receivable(1)						Ending Allowance
Farmland			$	221					$	0					$	0					$	(123)					$	98
Owner-occupied, nonfarm nonresidential properties			3,700						(531)						8						(140)						3,037
Agricultural production and other loans to farmers			24						0						0						(17)						7
Commercial and Industrial			6,233						(93)						72						2,118						8,330
Obligations (other than securities and leases) of states and political subdivisions			998						(407)						0						1,288						1,879
Other loans			68						0						0						34						102
Other construction loans and all land development and other land loans			1,956						(282)						0						695						2,369
Multifamily (5 or more) residential properties			2,724						0						0						(629)						2,095
Non-owner occupied, nonfarm nonresidential properties			8,658						(18)						0						(1,361)						7,279
1-4 Family Construction			82						0						0						144						226
Home equity lines of credit			985						(7)						3						239						1,220
Residential Mortgages secured by first liens			4,539						(75)						34						1,927						6,425
Residential Mortgages secured by junior liens			241						(3)						0						311						549
Other revolving credit plans			507						(28)						9						40						528
Automobile			132						(17)						3						160						278
Other consumer			2,962						(829)						120						237						2,490
Credit cards			66						(77)						17						106						112
Overdrafts			244						(318)						120						160						206
Total			$	34,340					$	(2,685)					$	386					$	5,189					$	37,230

(1) Excludes provision for credit losses related to unfunded commitments. Note 8, "Off-Balance Sheet Commitments and Contingencies," in the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments of the Corporation.

Nonaccrual Loans and Loans Receivable Past Due over 90 Days Still Accruing Interest by Class of Loans

The following tables presents the amortized cost basis of loans receivable on nonaccrual status and loans receivable past due over 89 days still accruing as of September 30, 2022 and December 31, 2021, respectively:

			September 30, 2022
			Nonaccrual						Nonaccrual With No Allowance for Credit Loss						Loans Receivable Past Due over 89 Days Still Accruing
Farmland			$	1,043					$	1,043					$	995
Owner-occupied, nonfarm nonresidential properties			1,665						1,593						0
Commercial and Industrial			6,101						2,882						0
Other construction loans and all land development and other land loans			68						68						0
Multifamily (5 or more) residential properties			1,085						435						0
Non-owner occupied, nonfarm nonresidential properties			3,828						2,610						0
Home equity lines of credit			486						194						0
Residential Mortgages secured by first liens			4,311						3,565						0
Residential Mortgages secured by junior liens			114						114						0
Other revolving credit plans			34						34						0
Automobile			22						22						0
Other consumer			751						751						0
Credit cards			0						0						56
Total			$	19,508					$	13,311					$	1,051

			December 31, 2021
			Nonaccrual						Nonaccrual With No Allowance for Credit Loss						Loans Receivable Past Due over 89 Days Still Accruing
Farmland			$	965					$	965					$	0
Owner-occupied, nonfarm nonresidential properties			850						762						0
Commercial and Industrial			7,060						1,653						8
Other construction loans and all land development and other land loans			516						77						0
Multifamily (5 or more) residential properties			1,270						5						0
Non-owner occupied, nonfarm nonresidential properties			3,771						2,143						0
Home equity lines of credit			824						824						0
Residential Mortgages secured by first liens			3,410						3,410						137
Residential Mortgages secured by junior liens			147						147						0
Other revolving credit plans			13						13						0
Automobile			36						36						0
Other consumer			558						558						0
Credit cards			0						0						23
Total			$	19,420					$	10,593					$	168

Aging of Recorded Investment in Past Due Loans

The following table presents the amortized cost basis of loans receivable that are individually evaluated and collateral-dependent by class of loans as of September 30, 2022:

			Real Estate Collateral						Non-Real Estate Collateral
Farmland			$	854					$	0
Owner-occupied, nonfarm nonresidential properties			1,332						6
Commercial and Industrial			91						2,018
Multifamily (5 or more) residential properties			1,085						0
Non-owner occupied, nonfarm nonresidential properties			5,264						0
Home equity lines of credit			341						0
Residential Mortgages secured by first liens			1,167						0
Total			$	10,134					$	2,024

The following table presents the amortized cost basis of loans receivable that are individually evaluated and collateral-dependent by class of loans as of December 31, 2021:

			Real Estate Collateral						Non-Real Estate Collateral
Farmland			$	920					$	0
Owner-occupied, nonfarm nonresidential properties			194						9
Commercial and Industrial			1,488						2,351
Other construction loans and all land development and other land loans			438						0
Multifamily (5 or more) residential properties			1,265						0
Non-owner occupied, nonfarm nonresidential properties			3,378						0
Residential Mortgages secured by first liens			435						0
Total			$	8,118					$	2,360

The following table presents the aging of the amortized cost basis in past-due loans receivable as of September 30, 2022 by class of loans:

			30 - 59 Days Past Due						60 - 89 Days Past Due						Greater Than 89 Days Past Due						Total Past Due						Loans Receivable Not Past Due						Total
Farmland			$	0					$	0					$	1,142					$	1,142					$	29,596					$	30,738
Owner-occupied, nonfarm nonresidential properties			230						99						334						663						461,046						461,709
Agricultural production and other loans to farmers			0						0						0						0						1,097						1,097
Commercial and Industrial			117						230						715						1,062						759,913						760,975
Obligations (other than securities and leases) of states and political subdivisions			0						0						0						0						147,956						147,956
Other loans			0						0						0						0						13,654						13,654
Other construction loans and all land development and other land loans			0						68						0						68						349,218						349,286
Multifamily (5 or more) residential properties			0						0						90						90						248,604						248,694
Non-owner occupied, nonfarm nonresidential properties			114						0						1,037						1,151						741,063						742,214
1-4 Family Construction			0						0						0						0						40,426						40,426
Home equity lines of credit			113						50						49						212						123,810						124,022
Residential Mortgages secured by first liens			698						239						1,590						2,527						918,653						921,180
Residential Mortgages secured by junior liens			11						0						52						63						68,431						68,494
Other revolving credit plans			14						24						4						42						29,332						29,374
Automobile			19						0						1						20						21,021						21,041
Other consumer			416						230						351						997						51,656						52,653
Credit cards			54						22						56						132						10,784						10,916
Overdrafts			0						0						0						0						236						236
Total			$	1,786					$	962					$	5,421					$	8,169					$	4,016,496					$	4,024,665

The following table presents the aging of the amortized cost basis in past-due loans receivable as of December 31, 2021 by class of loans:

			30 - 59 Days Past Due						60 - 89 Days Past Due						Greater Than 89 Days Past Due						Total Past Due						Loans Receivable Not Past Due						Total
Farmland			$	348					$	0					$	0					$	348					$	23,420					$	23,768
Owner-occupied, nonfarm nonresidential properties			278						18						414						710						433,962						434,672
Agricultural production and other loans to farmers			0						0						0						0						1,379						1,379
Commercial and Industrial			377						13						333						723						708,266						708,989
Obligations (other than securities and leases) of states and political subdivisions			0						0						0						0						140,887						140,887
Other loans			0						0						0						0						13,979						13,979
Other construction loans and all land development and other land loans			0						0						77						77						298,792						298,869
Multifamily (5 or more) residential properties			0						10						209						219						215,924						216,143
Non-owner occupied, nonfarm nonresidential properties			0						0						1,792						1,792						661,270						663,062
1-4 Family Construction			0						0						0						0						37,822						37,822
Home equity lines of credit			506						50						172						728						103,789						104,517
Residential Mortgages secured by first liens			1,286						1,145						1,647						4,078						822,651						826,729
Residential Mortgages secured by junior liens			32						24						1						57						56,632						56,689
Other revolving credit plans			56						17						4						77						26,459						26,536
Automobile			45						3						23						71						20,791						20,862
Other consumer			283						158						295						736						48,940						49,676
Credit cards			26						12						23						61						9,874						9,935
Overdrafts			0						0						0						0						278						278
Total			$	3,237					$	1,450					$	4,990					$	9,677					$	3,625,115					$	3,634,792

Restructured in Troubled Debt

There was one loan modified as TDRs during the three months ended September 30, 2022.

			Three Months Ended September 30, 2022
			Number of Loans						Pre-Modification Outstanding Recorded Investment						Post-Modification Outstanding Recorded Investment						Type of Modification
Commercial and Industrial			1						$	96					$	96					Extend Amortization
Total			1						$	96					$	96

There were two loans modified as a TDR during the nine months ended September 30, 2022:

			Nine Months Ended September 30, 2022
			Number of Loans						Pre-Modification Outstanding Recorded Investment						Post-Modification Outstanding Recorded Investment						Type of Modification
Commercial and Industrial			1						$	96					$	96					Extend Amortization
Non-owner occupied, nonfarm nonresidential properties			1						1,784						1,784						Modify Rate and Extend Amortization
Total			2						$	1,880					$	1,880

There were no loans modified as TDRs during the three months ended September 30, 2021. There were three loans modified as TDRs during the nine months ended September 30, 2021.

			Nine Months Ended September 30, 2021
			Number of Loans						Pre-Modification Outstanding Recorded Investment						Post-Modification Outstanding Recorded Investment						Type of Modification
Commercial and Industrial			1						$	578					$	578					Modify Payment
Multifamily (5 or more) residential properties			1						717						717						Modify Payment
Non-owner occupied, nonfarm nonresidential properties			1						1,604						1,604						Modify Payment
Total			3						$	2,899					$	2,899

Schedule of Credit Risk Profile by Risk Rating

The following tables represent the Corporation's commercial credit risk profile by risk rating. Loans receivable not rated as special mention, substandard, or doubtful are considered to be pass rated loans.

			September 30, 2022
									Non-Pass Rated
			Pass						Special Mention						Substandard						Doubtful						Total Non-Pass						Total
Farmland			$	28,245					$	1,450					$	1,043					$	0					$	2,493					$	30,738
Owner-occupied, nonfarm nonresidential properties			448,691						5,877						7,141						0						13,018						461,709
Agricultural production and other loans to farmers			1,097						0						0						0						0						1,097
Commercial and Industrial			742,819						6,376						10,443						1,337						18,156						760,975
Obligations (other than securities and leases) of states and political subdivisions			147,956						0						0						0						0						147,956
Other loans			13,654						0						0						0						0						13,654
Other construction loans and all land development and other land loans			347,704						1,514						68						0						1,582						349,286
Multifamily (5 or more) residential properties			247,609						0						1,085						0						1,085						248,694
Non-owner occupied, nonfarm nonresidential properties			716,589						2,625						23,000						0						25,625						742,214
Total			$	2,694,364					$	17,842					$	42,780					$	1,337					$	61,959					$	2,756,323

			December 31, 2021
									Non-Pass Rated
			Pass						Special Mention						Substandard						Doubtful						Total Non-Pass						Total
Farmland			$	21,286					$	1,514					$	968					$	0					$	2,482					$	23,768
Owner-occupied, nonfarm nonresidential properties			419,368						6,723						8,581						0						15,304						434,672
Agricultural production and other loans to farmers			1,379						0						0						0						0						1,379
Commercial and Industrial			687,010						7,946						12,654						1,379						21,979						708,989
Obligations (other than securities and leases) of states and political subdivisions			140,887						0						0						0						0						140,887
Other loans			13,979						0						0						0						0						13,979
Other construction loans and all land development and other land loans			294,103						4,221						545						0						4,766						298,869
Multifamily (5 or more) residential properties			214,772						100						1,271						0						1,371						216,143
Non-owner occupied, nonfarm nonresidential properties			631,534						9,628						21,900						0						31,528						663,062
Total			$	2,424,318					$	30,132					$	45,919					$	1,379					$	77,430					$	2,501,748

Amortized Cost of Loans, by Year of Origination

The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by risk grade within each portfolio segment as of September 30, 2022. The current period originations may include modifications, extensions and renewals.

			Term Loans Amortized Cost Basis by Origination Year
			2022						2021						2020						2019						2018						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Farmland
Risk rating
Pass			$	8,744					$	7,732					$	1,583					$	2,733					$	3,328					$	3,736					$	389					$	0					$	28,245
Special mention			0						0						0						0						0						1,450						0						0						1,450
Substandard			0						347						0						0						147						549						0						0						1,043
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	8,744					$	8,079					$	1,583					$	2,733					$	3,475					$	5,735					$	389					$	0					$	30,738
Owner-occupied, nonfarm nonresidential properties
Risk rating
Pass			$	97,380					$	115,207					$	67,363					$	56,604					$	25,856					$	65,843					$	20,438					$	0					$	448,691
Special mention			0						0						0						880						4,146						841						10						0						5,877
Substandard			0						0						371						2,393						400						3,977						0						0						7,141
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	97,380					$	115,207					$	67,734					$	59,877					$	30,402					$	70,661					$	20,448					$	0					$	461,709
Agricultural production and other loans to farmers
Risk rating
Pass			$	149					$	145					$	88					$	51					$	182					$	0					$	482					$	0					$	1,097
Special mention			0						0						0						0						0						0						0						0						0
Substandard			0						0						0						0						0						0						0						0						0
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	149					$	145					$	88					$	51					$	182					$	0					$	482					$	0					$	1,097
Commercial and Industrial
Risk rating
Pass			$	159,525					$	226,900					$	63,413					$	18,933					$	10,118					$	21,378					$	242,552					$	0					$	742,819
Special mention			0						0						149						296						325						60						5,546						0						6,376
Substandard			313						1,894						712						408						341						1,002						5,773						0						10,443
Doubtful(1)			0						1,337						0						0						0						0						0						0						1,337
Total			$	159,838					$	230,131					$	64,274					$	19,637					$	10,784					$	22,440					$	253,871					$	0					$	760,975
Obligations (other than securities and leases) of states and political subdivisions
Risk rating
Pass			$	17,175					$	36,577					$	15,983					$	4,680					$	13,647					$	55,089					$	4,805					$	0					$	147,956
Special mention			0						0						0						0						0						0						0						0						0
Substandard			0						0						0						0						0						0						0						0						0
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	17,175					$	36,577					$	15,983					$	4,680					$	13,647					$	55,089					$	4,805					$	0					$	147,956
Other loans
Risk rating
Pass			$	2,204					$	5,411					$	2,395					$	377					$	0					$	0					$	3,267					$	0					$	13,654
Special mention			0						0						0						0						0						0						0						0						0
Substandard			0						0						0						0						0						0						0						0						0
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	2,204					$	5,411					$	2,395					$	377					$	0					$	0					$	3,267					$	0					$	13,654

(1) Consists of one loan relationship that was originated in 2015 and modified in 2021. The modification met the requirements to disclose the loan relationship as a new loan during the current period.

			Term Loans Amortized Cost Basis by Origination Year
			2022						2021						2020						2019						2018						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Other construction loans and all land development and other land loans
Risk rating
Pass			$	162,843					$	87,702					$	69,273					$	7,154					$	9,103					$	969					$	10,660					$	0					$	347,704
Special mention			0						1,514						0						0						0						0						0						0						1,514
Substandard			0						0						0						0						0						0						68						0						68
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	162,843					$	89,216					$	69,273					$	7,154					$	9,103					$	969					$	10,728					$	0					$	349,286
Multifamily (5 or more) residential properties
Risk rating
Pass			$	99,684					$	51,694					$	48,900					$	11,976					$	6,815					$	25,770					$	2,770					$	0					$	247,609
Special mention			0						0						0						0						0						0						0						0						0
Substandard			650						0						0						0						345						90						0						0						1,085
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	100,334					$	51,694					$	48,900					$	11,976					$	7,160					$	25,860					$	2,770					$	0					$	248,694
Non-owner occupied, nonfarm nonresidential properties
Risk rating
Pass			$	258,817					$	157,824					$	53,483					$	70,548					$	45,859					$	121,425					$	8,633					$	0					$	716,589
Special mention			0						0						0						370						508						1,299						448						0						2,625
Substandard			2,270						805						0						1,789						1,646						14,414						2,076						0						23,000
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	261,087					$	158,629					$	53,483					$	72,707					$	48,013					$	137,138					$	11,157					$	0					$	742,214

The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by risk grade within each portfolio segment as of December 31, 2021. The current period originations may include modifications, extensions and renewals.

			Term Loans Amortized Cost Basis by Origination Year
			2021						2020						2019						2018						2017						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Farmland
Risk rating
Pass			$	8,203					$	1,690					$	3,276					$	3,547					$	564					$	3,545					$	461					$	0					$	21,286
Special mention			0						0						0						0						394						1,120						0						0						1,514
Substandard			388						0						0						0						48						532						0						0						968
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	8,591					$	1,690					$	3,276					$	3,547					$	1,006					$	5,197					$	461					$	0					$	23,768
Owner-occupied, nonfarm nonresidential properties
Risk rating
Pass			$	135,095					$	78,068					$	78,621					$	29,100					$	40,677					$	50,079					$	7,728					$	0					$	419,368
Special mention			243						0						903						4,287						135						1,145						10						0						6,723
Substandard			687						416						2,190						868						250						4,152						18						0						8,581
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	136,025					$	78,484					$	81,714					$	34,255					$	41,062					$	55,376					$	7,756					$	0					$	434,672
Agricultural production and other loans to farmers
Risk rating
Pass			$	211					$	103					$	76					$	198					$	0					$	0					$	791					$	0					$	1,379
Special mention			0						0						0						0						0						0						0						0						0
Substandard			0						0						0						0						0						0						0						0						0
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	211					$	103					$	76					$	198					$	0					$	0					$	791					$	0					$	1,379
Commercial and Industrial
Risk rating
Pass			$	313,983					$	84,815					$	31,375					$	16,577					$	12,389					$	6,777					$	221,094					$	0					$	687,010
Special mention			0						363						793						381						82						844						5,483						0						7,946
Substandard			1,991						800						1,862						452						29						2,016						5,504						0						12,654
Doubtful(1)			1,379						0						0						0						0						0						0						0						1,379
Total			$	317,353					$	85,978					$	34,030					$	17,410					$	12,500					$	9,637					$	232,081					$	0					$	708,989
Obligations (other than securities and leases) of states and political subdivisions
Risk rating
Pass			$	36,853					$	16,688					$	8,774					$	16,957					$	20,071					$	36,764					$	4,780					$	0					$	140,887
Special mention			0						0						0						0						0						0						0						0						0
Substandard			0						0						0						0						0						0						0						0						0
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	36,853					$	16,688					$	8,774					$	16,957					$	20,071					$	36,764					$	4,780					$	0					$	140,887
Other loans
Risk rating
Pass			$	5,851					$	5,305					$	552					$	3					$	0					$	0					$	2,268					$	0					$	13,979
Special mention			0						0						0						0						0						0						0						0						0
Substandard			0						0						0						0						0						0						0						0						0
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	5,851					$	5,305					$	552					$	3					$	0					$	0					$	2,268					$	0					$	13,979

(1) Consists of one loan relationship that was originated in 2015 and modified in 2021. The modification met the requirements to disclose the loan relationship as a new loan during the current period.

			Term Loans Amortized Cost Basis by Origination Year
			2021						2020						2019						2018						2017						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Other construction loans and all land development and other land loans
Risk rating
Pass			$	98,406					$	168,372					$	8,752					$	11,141					$	853					$	898					$	5,681					$	0					$	294,103
Special mention			1,500						0						650						0						2,071						0						0						0						4,221
Substandard			0						0						0						29						439						0						77						0						545
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	99,906					$	168,372					$	9,402					$	11,170					$	3,363					$	898					$	5,758					$	0					$	298,869
Multifamily (5 or more) residential properties
Risk rating
Pass			$	74,687					$	55,663					$	33,436					$	7,937					$	27,729					$	12,882					$	2,438					$	0					$	214,772
Special mention			0						0						0						0						0						100						0						0						100
Substandard			0						6						682						379						204						0						0						0						1,271
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	74,687					$	55,669					$	34,118					$	8,316					$	27,933					$	12,982					$	2,438					$	0					$	216,143
Non-owner occupied, nonfarm nonresidential properties
Risk rating
Pass			$	194,800					$	125,039					$	84,943					$	52,233					$	42,714					$	123,021					$	8,784					$	0					$	631,534
Special mention			0						0						428						1,004						189						5,556						2,451						0						9,628
Substandard			826						0						2,305						1,662						4,638						12,134						335						0						21,900
Doubtful			0						0						0						0						0						0						0						0						0
Total			$	195,626					$	125,039					$	87,676					$	54,899					$	47,541					$	140,711					$	11,570					$	0					$	663,062

The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by payment activity within each portfolio segment as of September 30, 2022. The current period originations may include modifications, extensions and renewals.

			Term Loans Amortized Cost Basis by Origination Year
			2022						2021						2020						2019						2018						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
1-4 Family Construction
Payment performance
Performing			$	19,306					$	16,873					$	2,926					$	725					$	63					$	0					$	533					$	0					$	40,426
Nonperforming			0						0						0						0						0						0						0						0						0
Total			$	19,306					$	16,873					$	2,926					$	725					$	63					$	0					$	533					$	0					$	40,426
Home equity lines of credit
Payment performance
Performing			$	30,024					$	15,182					$	12,949					$	9,192					$	8,682					$	38,806					$	8,701					$	0					$	123,536
Nonperforming			0						0						0						10						0						476						0						0						486
Total			$	30,024					$	15,182					$	12,949					$	9,202					$	8,682					$	39,282					$	8,701					$	0					$	124,022
Residential mortgages secured by first lien
Payment performance
Performing			$	186,664					$	227,676					$	163,921					$	93,549					$	51,249					$	190,091					$	3,719					$	0					$	916,869
Nonperforming			0						782						323						409						421						2,188						188						0						4,311
Total			$	186,664					$	228,458					$	164,244					$	93,958					$	51,670					$	192,279					$	3,907					$	0					$	921,180
Residential mortgages secured by junior liens
Payment performance
Performing			$	23,532					$	17,958					$	8,619					$	5,336					$	3,260					$	9,017					$	658					$	0					$	68,380
Nonperforming			0						0						0						2						0						68						44						0						114
Total			$	23,532					$	17,958					$	8,619					$	5,338					$	3,260					$	9,085					$	702					$	0					$	68,494
Other revolving credit plans
Payment performance
Performing			$	5,690					$	3,304					$	4,498					$	2,915					$	2,284					$	10,649					$	0					$	0					$	29,340
Nonperforming			0						0						0						8						15						11						0						0						34
Total			$	5,690					$	3,304					$	4,498					$	2,923					$	2,299					$	10,660					$	0					$	0					$	29,374
Automobile
Payment performance
Performing			$	7,520					$	5,120					$	3,528					$	2,749					$	1,416					$	686					$	0					$	0					$	21,019
Nonperforming			0						0						11						8						3						0						0						0						22
Total			$	7,520					$	5,120					$	3,539					$	2,757					$	1,419					$	686					$	0					$	0					$	21,041
Other consumer
Payment performance
Performing			$	22,387					$	18,395					$	6,355					$	2,548					$	861					$	1,356					$	0					$	0					$	51,902
Nonperforming			287						291						77						34						7						55						0						0						751
Total			$	22,674					$	18,686					$	6,432					$	2,582					$	868					$	1,411					$	0					$	0					$	52,653

The following tables detail the amortized cost of loans receivable, by year of origination (for term loans) and by payment activity within each portfolio segment as of December 31, 2021. The current period originations may include modifications, extensions and renewals.

			Term Loans Amortized Cost Basis by Origination Year
			2021						2020						2019						2018						2017						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
1-4 Family Construction
Payment performance
Performing			$	27,539					$	9,137					$	857					$	66					$	0					$	0					$	223					$	0					$	37,822
Nonperforming			0						0						0						0						0						0						0						0						0
Total			$	27,539					$	9,137					$	857					$	66					$	0					$	0					$	223					$	0					$	37,822
Home equity lines of credit
Payment performance
Performing			$	14,383					$	14,621					$	9,564					$	10,584					$	6,863					$	39,527					$	8,151					$	0					$	103,693
Nonperforming			0						0						9						10						377						428						0						0						824
Total			$	14,383					$	14,621					$	9,573					$	10,594					$	7,240					$	39,955					$	8,151					$	0					$	104,517
Residential mortgages secured by first lien
Payment performance
Performing			$	232,606					$	178,380					$	111,333					$	62,850					$	74,136					$	160,402					$	3,475					$	0					$	823,182
Nonperforming			79						259						227						151						258						2,379						194						0						3,547
Total			$	232,685					$	178,639					$	111,560					$	63,001					$	74,394					$	162,781					$	3,669					$	0					$	826,729
Residential mortgages secured by junior liens
Payment performance
Performing			$	20,617					$	11,256					$	7,239					$	4,407					$	3,508					$	9,095					$	420					$	0					$	56,542
Nonperforming			0						0						0						0						84						63						0						0						147
Total			$	20,617					$	11,256					$	7,239					$	4,407					$	3,592					$	9,158					$	420					$	0					$	56,689
Other revolving credit plans
Payment performance
Performing			$	5,313					$	3,596					$	3,090					$	2,592					$	2,977					$	8,955					$	0					$	0					$	26,523
Nonperforming			0						0						4						4						0						5						0						0						13
Total			$	5,313					$	3,596					$	3,094					$	2,596					$	2,977					$	8,960					$	0					$	0					$	26,536
Automobile
Payment performance
Performing			$	7,047					$	5,448					$	4,668					$	2,457					$	682					$	524					$	0					$	0					$	20,826
Nonperforming			11						13						12						0						0						0						0						0						36
Total			$	7,058					$	5,461					$	4,680					$	2,457					$	682					$	524					$	0					$	0					$	20,862
Other consumer
Payment performance
Performing			$	30,423					$	11,017					$	4,537					$	1,451					$	316					$	1,374					$	0					$	0					$	49,118
Nonperforming			204						170						96						25						3						60						0						0						558
Total			$	30,627					$	11,187					$	4,633					$	1,476					$	319					$	1,434					$	0					$	0					$	49,676

			September 30, 2022						December 31, 2021
Credit card
Payment performance
Performing			$	10,860					$	9,912
Nonperforming			56						23
Total			$	10,916					$	9,935

Recorded Investment in Residential, Consumer and Credit Card Loans Based on Payment Activity

The Corporation considers the performance of the loan portfolio and its impact on the allowance for credit losses. For 1-4 family construction, home equity lines of credit, residential mortgages secured by first liens, residential mortgages secured by junior liens, automobile, credit cards, other revolving credit plans and other consumer segments, the Corporation evaluates credit quality based on the performance status of the loan, which was previously presented, and by payment activity. Nonperforming loans include loans receivable on nonaccrual status and loans receivable past due over 89 days and still accruing interest.

			September 30, 2022																		December 31, 2021
			Performing						Nonperforming						Total						Performing						Nonperforming						Total
1-4 Family Construction			$	40,426					$	0					$	40,426					$	37,822					$	0					$	37,822
Home equity lines of credit			123,536						486						124,022						103,693						824						104,517
Residential Mortgages secured by first liens			916,869						4,311						921,180						823,182						3,547						826,729
Residential Mortgages secured by junior liens			68,380						114						68,494						56,542						147						56,689
Other revolving credit plans			29,340						34						29,374						26,523						13						26,536
Automobile			21,019						22						21,041						20,826						36						20,862
Other consumer			51,902						751						52,653						49,118						558						49,676
Total			$	1,251,472					$	5,718					$	1,257,190					$	1,117,706					$	5,125					$	1,122,831

Schedule of Holiday's Loan Portfolio Included in Consumer and Residential Loans

Holiday’s loan portfolio, included in other consumer loans above, is summarized as follows at September 30, 2022 and December 31, 2021: 

			September 30, 2022						December 31, 2021
Gross other consumer			$	30,660					$	29,227
Less: other consumer unearned discounts			(5,790)						(5,716)
Total other consumer loans, net of unearned discounts			$	24,870					$	23,511

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Amortized Cost of Loans, By Year of Origination

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Schedule of recorded investment in nonaccrual loans and loans past due over ninety days still on accrual by portfolio segment.

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X

- Definition

Schedule of recorded investment in residential consumer and credit card loans based on payment activity.

+ References

No definition available.

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Schedule of subsidiary loan portfolio.

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- Definition

Tabular disclosure of allowance for credit loss on financing receivable.

+ References

Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
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