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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2021
Loans Held For Investment And Allowance For Credit Losses [Abstract] |
Schedule of composition of the loan portfolio | (Dollars in Thousands) September 30, 2021 December 31, 2020 Commercial, Financial and Agricultural $ 218,929 $ 393,930 Real Estate – Construction 177,443 135,831 Real Estate – Commercial Mortgage 683,379 648,393 Real Estate – Residential (1) 362,750 352,543 Real Estate – Home Equity 187,642 205,479 Consumer (2) 311,282 270,250 Loans HFI, Net of Unearned Income $ 1,941,425 $ 2,006,426 (1) Includes loans in process with outstanding balances of $ 7.1 million and $ 10.9 million at September 30, 2021 and December 31, 2020, respectively. (2) Includes overdraft balances of $ 1.3 million and $ 0.7 million at September 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 September 30, 2021 Beginning Balance $ 1,972 $ 2,759 $ 7,569 $ 4,353 $ 2,457 $ 3,065 $ 22,175 Provision for Credit Losses 178 517 (1,588) (433) (131) 911 (546) Charge-Offs (37) - (405) (17) (15) (1,314) (1,788) Recoveries 66 10 169 401 46 967 1,659 Net (Charge-Offs) Recoveries 29 10 (236) 384 31 (347) (129) Ending Balance $ 2,179 $ 3,286 $ 5,745 $ 4,304 $ 2,357 $ 3,629 $ 21,500 Nine Months Ended September 30, 2021 Beginning Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 Provision for Credit Losses (192) 797 (1,719) (1,768) (900) 740 (3,042) Charge-Offs (138) - (405) (88) (94) (3,040) (3,765) Recoveries 305 10 840 720 240 2,376 4,491 Net (Charge-Offs) Recoveries 167 10 435 632 146 (664) 726 Ending Balance $ 2,179 $ 3,286 $ 5,745 $ 4,304 $ 2,357 $ 3,629 $ 21,500 Three Months Ended September 30, 2020 Beginning Balance $ 2,468 $ 1,955 $ 6,640 $ 5,440 $ 2,753 $ 3,201 $ 22,457 Provision for Credit Losses (195) 161 616 (344) 196 831 1,265 Charge-Offs (137) - (17) (1) (58) (1,069) (1,282) Recoveries 74 - 30 35 41 517 697 Net Charge-Offs (63) - 13 34 (17) (552) (585) Ending Balance $ 2,210 $ 2,116 $ 7,269 $ 5,130 $ 2,932 $ 3,480 $ 23,137 Nine Months Ended September 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 544 1,444 2,132 745 337 2,668 7,870 Charge-Offs (685) - (28) (112) (141) (3,810) (4,776) Recoveries 188 - 291 126 138 2,126 2,869 Net Charge-Offs (497) - 263 14 (3) (1,684) (1,907) Ending Balance $ 2,210 $ 2,116 $ 7,269 $ 5,130 $ 2,932 $ 3,480 $ 23,137
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 September 30, 2021 Commercial, Financial and Agricultural $ 499 $ 36 $ - $ 535 $ 218,353 $ 41 $ 218,929 Real Estate – Construction - - - - 177,443 - 177,443 Real Estate – Commercial Mortgage 364 - - 364 683,015 - 683,379 Real Estate – Residential 735 177 - 912 359,861 1,977 362,750 Real Estate – Home Equity 76 19 - 95 186,581 966 187,642 Consumer 1,196 258 - 1,454 309,786 42 311,282 Total $ 2,870 $ 490 $ - $ 3,360 $ 1,935,039 $ 3,026 $ 1,941,425 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 | September 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 $ 41 $ - $ - $ 161 $ - $ - Real Estate – Construction - - - 179 - - Real Estate – Commercial Mortgage - - - 337 1,075 - Real Estate – Residential 1,061 916 - 1,617 1,513 - Real Estate – Home Equity 503 463 - 695 - - Consumer 42 - - 294 - - Total Nonaccrual Loans $ 1,647 $ 1,379 $ - $ 3,283 $ 2,588 $ -
Amortized cost basis of collateral-dependent loans | September 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 - - 3,900 - Real Estate – Residential 1,891 - 3,022 - Real Estate – Home Equity 665 - 219 - Consumer - - - 29 Total Collateral Dependent Loans $ 2,556 $ - $ 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 $ 51,866 $ 38,453 $ 34,226 $ 22,539 $ 10,376 $ 14,072 $ 46,969 $ 218,501 Special Mention - - 70 12 - 49 - 131 Substandard - 10 - 204 6 77 - 297 Total $ 51,866 $ 38,463 $ 34,296 $ 22,755 $ 10,382 $ 14,198 $ 46,969 $ 218,929 Real Estate - Construction: Pass $ 75,222 $ 72,664 $ 23,588 $ 429 $ 132 $ - $ 5,408 $ 177,443 Total $ 75,222 $ 72,664 $ 23,588 $ 429 $ 132 $ - $ 5,408 $ 177,443 Real Estate - Commercial Mortgage: Pass $ 139,623 $ 142,833 $ 87,251 $ 103,059 $ 67,392 $ 97,842 $ 19,690 $ 657,690 Special Mention - 454 1,552 9,727 431 5,423 - 17,587 Substandard 1,520 585 3,517 - 1,266 990 224 8,102 Total $ 141,143 $ 143,872 $ 92,320 $ 112,786 $ 69,089 $ 104,255 $ 19,914 $ 683,379 Real Estate - Residential: Pass $ 105,611 $ 72,091 $ 44,393 $ 29,792 $ 28,447 $ 66,748 $ 8,538 $ 355,620 Special Mention - 136 20 122 169 419 - 866 Substandard 1,290 441 1,051 812 221 2,373 76 6,264 Total $ 106,901 $ 72,668 $ 45,464 $ 30,726 $ 28,837 $ 69,540 $ 8,614 $ 362,750 Real Estate - Home Equity: Performing $ 99 $ 56 $ 452 $ 176 $ 749 $ 1,756 $ 183,388 $ 186,676 Nonperforming - - - - - 33 933 966 Total $ 99 $ 56 $ 452 $ 176 $ 749 $ 1,789 $ 184,321 $ 187,642 Consumer: Performing $ 136,780 $ 73,778 $ 45,252 $ 31,530 $ 13,377 $ 4,666 $ 5,857 $ 311,240 Nonperforming - - 17 24 - 1 - 42 Total $ 136,780 $ 73,778 $ 45,269 $ 31,554 $ 13,377 $ 4,667 $ 5,857 $ 311,282

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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=124255953&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=123577603&loc=SL6953659-111524 + Details
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