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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2020
Loans, net [Abstract] |
Schedule of composition of the loan portfolio | (Dollars in Thousands) 2020 2019 Commercial, Financial and Agricultural $ 393,930 $ 255,365 Real Estate – Construction 135,831 115,018 Real Estate – Commercial Mortgage 648,393 625,556 Real Estate – Residential (1) 352,543 361,450 Real Estate – Home Equity 205,479 197,360 Consumer (2) 270,250 281,180 Loans Held for Investment, Net of Unearned Income $ 2,006,426 $ 1,835,929 (1) Includes loans in process with outstanding balances of $ (2) Includes overdraft balances of $ 0.7 million and $ 1.6 million for December 31, 2020 and 2019, respectively. Net deferred fees, which include premiums on purchased loans, included in loans were $ 0.1 million at December 31, 2020 and net deferred costs were $ 1.8 million at December 31, 2019. Net deferred fees at December 31, 2020 included $ 3.2 million in net fees for SBA PPP loans. Accrued interest receivable on loans which is excluded from amortized cost totaled $ 6.9 million at December 31, 2020 and $ 5.5 million at December 31, 2019, and is reported separately in Other Assets. The Company has pledged a blanket floating lien on all 1-4 family residential mortgage loans, commercial real estate mortgage loans, and home equity loans to support available borrowing capacity at the FHLB of Atlanta and has pledged a blanket floating lien on all consumer loans, commercial loans, and construction loans to support available borrowing capacity at the Federal Reserve Bank of Atlanta. Loan Purchases . The Company will periodically purchase newly originated 1-4 family real estate secured adjustable rate loans from CCHL, a related party effective on March 1, 2020 (see Note 1 – Significant Accounting Policies). Loan purchases totaled $ 48.4 million and $ 25.2 million for the years ended December 31, 2020 and December 31, 2019, respectively, and were not credit impaired.
Schedule of activity in the allowance for loan losses by portfolio class | ` Commercial , Real Estate Financial, Real Estate Commercial Real Estate Real Estate (Dollars in Thousands) Agricultural Construction Mortgage Residential Home Equity Consumer Total 2020 Beginning Balance $ 1,675 $ 370 $ 3,416 $ 3,128 $ 2,224 $ 3,092 $ 13,905 Impact of Adopting ASC 326 488 302 1,458 1,243 374 (596) 3,269 Provision for Credit Losses 578 1,757 1,865 940 486 3,409 9,035 Charge-Offs (789) - (28) (150) (151) (5,042) (6,160) Recoveries 252 50 318 279 178 2,690 3,767 Net Charge-Offs (537) 50 290 129 27 (2,352) (2,393) Ending Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 2019 Beginning Balance $ 1,434 $ 280 $ 4,181 $ 3,400 $ 2,301 $ 2,614 $ 14,210 Provision for Credit Losses 664 371 (1,129) (301) 178 2,244 2,027 Charge-Offs (768) (281) (214) (400) (430) (2,878) (4,971) Recoveries 345 - 578 429 175 1,112 2,639 Net Charge-Offs (423) (281) 364 29 (255) (1,766) (2,332) Ending Balance $ 1,675 $ 370 $ 3,416 $ 3,128 $ 2,224 $ 3,092 $ 13,905 2018 Beginning Balance $ 1,191 $ 122 $ 4,346 $ 3,206 $ 2,506 $ 1,936 $ 13,307 Provision for Credit Losses 428 139 (223) 331 137 2,109 2,921 Charge-Offs (644) (7) (315) (780) (533) (2,395) (4,674) Recoveries 459 26 373 643 191 964 2,656 Net Charge-Offs (185) 19 58 (137) (342) (1,431) (2,018) Ending Balance $ 1,434 $ 280 $ 4,181 $ 3,400 $ 2,301 $ 2,614 $ 14,210
Schedule of aging of the recorded investment in accruing past due loans by class of loans | 30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans 2020 Commercial, Financial and Agricultural $ 194 $ 124 $ - $ 318 $ 393,451 $ 161 $ 393,930 Real Estate – Construction - 717 - 717 134,935 179 135,831 Real Estate – Commercial Mortgage 293 - - 293 646,688 1,412 648,393 Real Estate – Residential 375 530 - 905 348,508 3,130 352,543 Real Estate – Home Equity 325 138 - 463 204,321 695 205,479 Consumer 1,556 342 - 1,898 268,058 294 270,250 Total Past Due Loans $ 2,743 $ 1,851 $ - $ 4,594 $ 1,995,961 $ 5,871 $ 2,006,426 2019 Commercial, Financial and Agricultural $ 489 $ 191 $ - $ 680 $ 254,239 $ 446 $ 255,365 Real Estate – Construction 300 10 - 310 114,708 - 115,018 Real Estate – Commercial Mortgage 148 84 - 232 623,890 1,434 625,556 Real Estate – Residential 629 196 - 825 359,233 1,392 361,450 Real Estate – Home Equity 155 20 - 175 196,388 797 197,360 Consumer 2,000 649 - 2,649 278,128 403 281,180 Total Past Due Loans $ 3,721 $ 1,150 $ - $ 4,871 $ 1,826,586 $ 4,472 $ 1,835,929
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans | 2020 2019 Nonaccrual Nonaccrual 90 + Days Nonaccrual Nonaccrual 90 + Days With No With Still With No With Still (Dollars in Thousands) ACL ACL Accruing ACL ACL Accruing Commercial, Financial and Agricultural $ - $ 161 $ - $ - $ 446 $ - Real Estate – Construction - 179 - - - - Real Estate – Commercial Mortgage 1,075 337 - 958 476 - Real Estate – Residential 1,513 1,617 - 227 1,165 - Real Estate – Home Equity - 695 - - 797 - Consumer - 294 - - 403 - Total Nonaccrual Loans $ 2,588 $ 3,283 $ - $ 1,185 $ 3,287 $ -
Amortized cost basis of collateral-dependent loans | 2020 Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Real Estate – Commercial Mortgage 3,900 - Real Estate – Residential 3,022 - Real Estate – Home Equity 219 - Consumer - 29 Total $ 7,141 $ 29
Summary of gross loans held for investment by years of origination | Term Loans by Origination Year Revolving (Dollars in Thousands) 2020 2019 2018 2017 2016 Prior Loans Total Commercial, Financial, Agricultural: Pass $ 231,805 $ 45,651 $ 35,866 $ 15,212 $ 13,321 $ 10,051 $ 41,214 $ 393,120 Special Mention - 4 28 - - 58 - 90 Substandard 12 195 289 145 50 20 9 720 Total $ 231,817 $ 45,850 $ 36,183 $ 15,357 $ 13,371 $ 10,129 $ 41,223 $ 393,930 Real Estate - Construction: Pass $ 71,173 $ 51,634 $ 7,369 $ 1,592 $ - $ - $ 2,635 $ 134,403 Substandard - 1,428 - - - - - 1,428 Total $ 71,173 $ 53,062 $ 7,369 $ 1,592 $ - $ - $ 2,635 $ 135,831 Real Estate - Commercial Mortgage: Pass $ 156,011 $ 93,424 $ 131,180 $ 78,474 $ 45,507 $ 88,397 $ 19,933 $ 612,926 Special Mention 4,165 8,932 9,249 244 379 6,172 397 29,538 Substandard 570 130 137 2,687 28 1,883 494 5,929 Total $ 160,746 $ 102,486 $ 140,566 $ 81,405 $ 45,914 $ 96,452 $ 20,824 $ 648,393 Real Estate - Residential: Pass $ 100,704 $ 66,893 $ 42,884 $ 40,205 $ 19,231 $ 66,119 $ 6,706 $ 342,742 Special Mention 141 24 126 175 236 446 - 1,148 Substandard 1,257 1,800 1,377 837 890 2,492 - 8,653 Total $ 102,102 $ 68,717 $ 44,387 $ 41,217 $ 20,357 $ 69,057 $ 6,706 $ 352,543 Real Estate - Home Equity: Performing $ 1,385 $ 313 $ 244 $ 830 $ 183 $ 2,238 $ 199,591 $ 204,784 Nonperforming - - - - - - 695 695 Total $ 1,385 313 244 830 183 2,238 200,286 205,479 Consumer: Performing $ 105,551 $ 69,941 $ 51,513 $ 24,613 $ 10,639 $ 2,472 $ 5,227 $ 269,956 Nonperforming 61 109 49 - 8 67 - 294 Total $ 105,612 70,050 51,562 24,613 10,647 2,539 5,227 270,250

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