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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2021
Loans Held For Investment And Allowance For Credit Losses [Abstract] |
Schedule of composition of the loan portfolio | (Dollars in Thousands) March 31, 2021 December 31, 2020 Commercial, Financial and Agricultural $ 413,819 $ 393,930 Real Estate – Construction 138,104 135,831 Real Estate – Commercial Mortgage 669,158 648,393 Real Estate – Residential (1) 365,931 352,543 Real Estate – Home Equity 202,099 205,479 Consumer (2) 268,616 270,250 Loans HFI, Net of Unearned Income $ 2,057,727 $ 2,006,426 (1) Includes loans in process with outstanding balances of $ 8.3 million and $ 10.9 million at March 31, 2021 and December 31, 2020, respectively. (2) Includes overdraft balances of $ 0.9 million and $ 0.7 million at March 31, 2021 and December 31, 2020, respectively.
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 Three Months Ended March 31, 2021 Beginning Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 Provision for Credit Losses (314) (225) (718) (305) (655) (95) (2,312) Charge-Offs (69) - - (6) (5) (1,056) (1,136) Recoveries 136 - 645 75 124 678 1,658 Net Recoveries 67 - 645 69 119 (378) 522 Ending Balance $ 1,957 $ 2,254 $ 6,956 $ 5,204 $ 2,575 $ 3,080 $ 22,026 Three Months Ended March 31, 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 406 567 774 1,704 101 1,438 4,990 Charge-Offs (362) - (11) (110) (31) (1,566) (2,080) Recoveries 40 - 191 40 33 695 999 Net Charge-Offs (322) - 180 (70) 2 (871) (1,081) Ending Balance $ 2,247 $ 1,239 $ 5,828 $ 6,005 $ 2,701 $ 3,063 $ 21,083
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 March 31, 2021 Commercial, Financial and Agricultural $ 55 $ 58 $ - $ 113 $ 413,556 $ 150 $ 413,819 Real Estate – Construction 565 - - 565 137,360 179 138,104 Real Estate – Commercial Mortgage 183 - - 183 667,719 1,256 669,158 Real Estate – Residential 289 226 - 515 362,266 3,150 365,931 Real Estate – Home Equity 355 - - 355 201,282 462 202,099 Consumer 712 179 - 891 267,560 165 268,616 Total $ 2,159 $ 463 $ - $ 2,622 $ 2,049,743 $ 5,362 $ 2,057,727 December 31, 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 $ 2,743 $ 1,851 $ - $ 4,594 $ 1,995,961 $ 5,871 $ 2,006,426
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans | March 31, 2021 December 31, 2020 Nonaccrual Nonaccrual Nonaccrual Nonaccrual With With No 90 + Days With With No 90 + Days (Dollars in Thousands) ACL ACL Still Accruing ACL ACL Still Accruing Commercial, Financial and Agricultural $ 150 $ - $ - $ 161 $ - $ - Real Estate – Construction 179 - - 179 - - Real Estate – Commercial Mortgage 199 1,057 - 337 1,075 - Real Estate – Residential 1,641 1,509 - 1,617 1,513 - Real Estate – Home Equity 462 - - 695 - - Consumer 165 - - 294 - - Total Nonaccrual Loans $ 2,796 $ 2,566 $ - $ 3,283 $ 2,588 $ -
Amortized cost basis of collateral-dependent loans | March 31, 2021 December 31, 2020 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ - $ - $ - Real Estate – Commercial Mortgage 1,113 - 3,900 - Real Estate – Residential 2,537 - 3,022 - Real Estate – Home Equity 299 - 219 - Consumer - 29 - 29 Total Collateral Dependent Loans $ 3,949 $ 29 $ 7,141 $ 29
Summary of gross loans held for investment by years of origination | Term Loans by Origination Year Revolving (Dollars in Thousands) 2021 2020 2019 2018 2017 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 77,066 $ 188,688 $ 41,681 $ 32,674 $ 12,792 $ 21,622 $ 38,528 $ 413,051 Special Mention - - 189 39 4 55 - 287 Substandard - 12 - 285 38 88 58 481 Total $ 77,066 $ 188,700 $ 41,870 $ 32,998 $ 12,834 $ 21,765 $ 38,586 $ 413,819 Real Estate - Construction: Pass $ 13,786 $ 80,577 $ 29,221 $ 6,301 $ 1,570 $ - $ 3,451 $ 134,906 Special Mention 643 - 2,376 - - - - 3,019 Substandard - - 179 - - - - 179 Total $ 14,429 $ 80,577 $ 31,776 $ 6,301 $ 1,570 $ - $ 3,451 $ 138,104 Real Estate - Commercial Mortgage: Pass $ 35,435 $ 158,436 $ 100,143 $ 115,971 $ 69,848 $ 111,707 $ 24,321 $ 615,861 Special Mention - 4,161 6,040 14,296 4,618 13,143 397 42,655 Substandard 1,604 589 3,597 87 1,829 2,936 - 10,642 Total $ 37,039 $ 163,186 $ 109,780 $ 130,354 $ 76,295 $ 127,786 $ 24,718 $ 669,158 Real Estate - Residential: Pass $ 42,559 $ 92,152 $ 58,624 $ 39,575 $ 37,006 $ 78,360 $ 6,290 $ 354,566 Special Mention - 139 23 124 173 535 - 994 Substandard 133 1,402 2,653 1,603 1,341 3,239 - 10,371 Total $ 42,692 $ 93,693 $ 61,300 $ 41,302 $ 38,520 $ 82,134 $ 6,290 $ 365,931 Real Estate - Home Equity: Performing $ 39 $ 62 $ 358 $ 238 $ 767 $ 2,247 $ 197,926 $ 201,637 Nonperforming - - - - - - 462 462 Total $ 39 $ 62 $ 358 $ 238 $ 767 $ 2,247 $ 198,388 $ 202,099 Consumer: Performing $ 30,721 $ 97,423 $ 61,532 $ 44,126 $ 20,292 $ 9,502 $ 4,855 $ 268,451 Nonperforming - 55 61 5 12 32 - 165 Total $ 30,721 $ 97,478 $ 61,593 $ 44,131 $ 20,304 $ 9,534 $ 4,855 $ 268,616

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953659-111524 + Details
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