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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2021
Loans Held For Investment And Allowance For Credit Losses [Abstract] |
Schedule of composition of the loan portfolio | (Dollars in Thousands) June 30, 2021 December 31, 2020 Commercial, Financial and Agricultural $ 292,953 $ 393,930 Real Estate – Construction 149,884 135,831 Real Estate – Commercial Mortgage 707,599 648,393 Real Estate – Residential (1) 368,457 352,543 Real Estate – Home Equity 190,078 205,479 Consumer (2) 299,691 270,250 Loans HFI, Net of Unearned Income $ 2,008,662 $ 2,006,426 (1) Includes loans in process with outstanding balances of $ 7.4 million and $ 10.9 million at June 30, 2021 and December 31, 2020, respectively. (2) Includes overdraft balances of $ 1.2 million and $ 0.7 million at June 30, 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 June 30, 2021 Beginning Balance $ 1,957 $ 2,254 $ 6,956 $ 5,204 $ 2,575 $ 3,080 $ 22,026 Provision for Credit Losses (56) 505 587 (1,030) (114) (76) (184) Charge-Offs (32) - - (65) (74) (670) (841) Recoveries 103 - 26 244 70 731 1,174 Net (Charge-Offs) Recoveries 71 - 26 179 (4) 61 333 Ending Balance $ 1,972 $ 2,759 $ 7,569 $ 4,353 $ 2,457 $ 3,065 $ 22,175 Six Months Ended June 30, 2021 Beginning Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 Provision for Credit Losses (370) 280 (131) (1,335) (769) (171) (2,496) Charge-Offs (101) - - (71) (79) (1,726) (1,977) Recoveries 239 - 671 319 194 1,409 2,832 Net (Charge-Offs) Recoveries 138 - 671 248 115 (317) 855 Ending Balance $ 1,972 $ 2,759 $ 7,569 $ 4,353 $ 2,457 $ 3,065 $ 22,175 Three Months Ended June 30, 2020 Beginning Balance $ 2,247 $ 1,239 $ 5,828 $ 6,005 $ 2,701 $ 3,063 $ 21,083 Provision for Credit Losses 333 716 742 (615) 40 399 1,615 Charge-Offs (186) - - (1) (52) (1,175) (1,414) Recoveries 74 - 70 51 64 914 1,173 Net Charge-Offs (112) - 70 50 12 (261) (241) Ending Balance $ 2,468 $ 1,955 $ 6,640 $ 5,440 $ 2,753 $ 3,201 $ 22,457 Six Months Ended June 30, 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 739 1,283 1,516 1,089 141 1,837 6,605 Charge-Offs (548) - (11) (111) (83) (2,741) (3,494) Recoveries 114 - 261 91 97 1,609 2,172 Net Charge-Offs (434) - 250 (20) 14 (1,132) (1,322) Ending Balance $ 2,468 $ 1,955 $ 6,640 $ 5,440 $ 2,753 $ 3,201 $ 22,457
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 June 30, 2021 Commercial, Financial and Agricultural $ 353 $ 7 $ - $ 360 $ 292,565 $ 28 $ 292,953 Real Estate – Construction - 840 - 840 149,044 - 149,884 Real Estate – Commercial Mortgage 309 155 - 464 705,614 1,521 707,599 Real Estate – Residential 394 211 - 605 365,329 2,523 368,457 Real Estate – Home Equity 82 138 - 220 188,930 928 190,078 Consumer 1,061 195 - 1,256 298,325 110 299,691 Total $ 2,199 $ 1,546 $ - $ 3,745 $ 1,999,807 $ 5,110 $ 2,008,662 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 | June 30, 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 $ 28 $ - $ - $ 161 $ - $ - Real Estate – Construction - - - 179 - - Real Estate – Commercial Mortgage 1,027 494 - 337 1,075 - Real Estate – Residential 1,588 935 - 1,617 1,513 - Real Estate – Home Equity 928 - - 695 - - Consumer 110 - - 294 - - Total Nonaccrual Loans $ 3,681 $ 1,429 $ - $ 3,283 $ 2,588 $ -
Amortized cost basis of collateral-dependent loans | June 30, 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 1,734 - 3,900 - Real Estate – Residential 2,192 - 3,022 - Real Estate – Home Equity 700 - 219 - Consumer - 27 - 29 Total Collateral Dependent Loans $ 4,626 $ 27 $ 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 $ 96,160 $ 56,466 $ 37,288 $ 24,612 $ 11,525 $ 17,651 $ 48,606 $ 292,308 Special Mention 57 - 180 32 1 51 - 321 Substandard - 11 - 228 22 28 35 324 Total $ 96,217 $ 56,477 $ 37,468 $ 24,872 $ 11,548 $ 17,730 $ 48,641 $ 292,953 Real Estate - Construction: Pass $ 41,183 $ 78,597 $ 23,854 $ 488 $ 134 $ - $ 4,073 $ 148,329 Special Mention 715 - - - - - - 715 Substandard - 840 - - - - - 840 Total $ 41,898 $ 79,437 $ 23,854 $ 488 $ 134 $ - $ 4,073 $ 149,884 Real Estate - Commercial Mortgage: Pass $ 108,247 $ 155,143 $ 98,591 $ 111,327 $ 66,381 $ 96,834 $ 22,358 $ 658,881 Special Mention - 26 4,510 16,720 4,601 13,304 4 39,165 Substandard 1,561 583 3,589 90 1,799 1,931 - 9,553 Total $ 109,808 $ 155,752 $ 106,690 $ 128,137 $ 72,781 $ 112,069 $ 22,362 $ 707,599 Real Estate - Residential: Pass $ 83,586 $ 76,616 $ 50,779 $ 34,010 $ 31,307 $ 71,827 $ 7,906 $ 356,031 Special Mention - 139 21 123 170 529 - 982 Substandard 936 1,908 2,783 1,732 1,113 2,872 100 11,444 Total $ 84,522 $ 78,663 $ 53,583 $ 35,865 $ 32,590 $ 75,228 $ 8,006 $ 368,457 Real Estate - Home Equity: Performing $ 155 $ 60 $ 353 $ 179 $ 755 $ 2,091 $ 185,557 $ 189,150 Nonperforming - - - - - - 928 928 Total $ 155 $ 60 $ 353 $ 179 $ 755 $ 2,091 $ 186,485 $ 190,078 Consumer: Performing $ 96,878 $ 84,462 $ 52,437 $ 37,372 $ 16,460 $ 6,652 $ 5,319 $ 299,580 Nonperforming - - 5 34 14 58 - 111 Total $ 96,878 $ 84,462 $ 52,442 $ 37,406 $ 16,474 $ 6,710 $ 5,319 $ 299,691

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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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