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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2021
Loans, net [Abstract] |
Schedule of composition of the loan portfolio | (Dollars in Thousands) 2021 2020 Commercial, Financial and Agricultural (1) $ 223,086 $ 393,930 Real Estate – Construction 174,394 135,831 Real Estate – Commercial Mortgage 663,550 648,393 Real Estate – Residential (2) 360,021 352,543 Real Estate – Home Equity 187,821 205,479 Consumer (3) 322,593 270,250 Loans Held for Investment, Net of Unearned Income $ 1,931,465 $ 2,006,426 (1) Includes SBA PPP loan balance of $ 0.1 million and $ 175.3 million for 2021 and 2020, respectively. (2) Includes loans in process with outstanding balances of $ 13.6 million and $ 10.9 million for 2021 and 2020, respectively. (3) Includes overdraft balances of $ 1.1 million and $ 0.7 million for December 31, 2021 and 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 2021 Beginning Balance $ 2,204 $ 2,479 $ 7,029 $ 5,440 $ 3,111 $ 3,553 $ 23,816 Provision for Credit Losses (227) 813 (1,679) (1,956) (1,125) 1,332 (2,842) Charge-Offs (239) - (405) (108) (103) (3,972) (4,827) Recoveries 453 10 865 753 413 2,965 5,459 Net (Charge-Offs) Recoveries 214 10 460 645 310 (1,007) 632 Ending Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 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) Recoveries (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) Recoveries (423) (281) 364 29 (255) (1,766) (2,332) Ending Balance $ 1,675 $ 370 $ 3,416 $ 3,128 $ 2,224 $ 3,092 $ 13,905
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 2021 Commercial, Financial and Agricultural $ 100 $ 23 $ - $ 123 $ 222,873 $ 90 $ 223,086 Real Estate – Construction - - - - 174,394 - 174,394 Real Estate – Commercial Mortgage 151 - - 151 662,795 604 663,550 Real Estate – Residential 365 151 - 516 357,408 2,097 360,021 Real Estate – Home Equity 210 - - 210 186,292 1,319 187,821 Consumer 1,964 636 - 2,600 319,781 212 322,593 Total $ 2,790 $ 810 $ - $ 3,600 $ 1,923,543 $ 4,322 $ 1,931,465 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 | 2021 2020 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 $ 67 $ 23 $ - $ - $ 161 $ - Real Estate – Construction - - - - 179 - Real Estate – Commercial Mortgage - 604 - 1,075 337 - Real Estate – Residential 928 1,169 - 1,513 1,617 - Real Estate – Home Equity 463 856 - - 695 - Consumer - 212 - - 294 - Total $ 1,458 $ 2,864 $ - $ 2,588 $ 3,283 $ -
Amortized cost basis of collateral-dependent loans | 2021 2020 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ 67 $ - $ - Real Estate – Commercial Mortgage 455 - 3,900 - Real Estate – Residential 1,645 - 3,022 - Real Estate – Home Equity 649 - 219 - Consumer - - - 29 Total $ 2,749 $ 67 $ 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, Agricultural: Pass $ 69,531 $ 31,335 $ 30,084 $ 20,276 $ 9,578 $ 11,836 $ 50,030 $ 222,670 Special Mention - - 3 6 - 25 - 34 Substandard 35 10 67 178 46 46 - 382 Total $ 69,566 $ 31,345 $ 30,154 $ 20,460 $ 9,624 $ 11,907 $ 50,030 $ 223,086 Real Estate - Construction: Pass $ 95,457 $ 56,875 $ 15,770 $ 453 $ 130 $ - $ 5,709 $ 174,394 Total $ 95,457 $ 56,875 $ 15,770 $ 453 $ 130 $ - $ 5,709 $ 174,394 Real Estate - Commercial Mortgage: Pass $ 173,502 $ 134,418 $ 79,969 $ 79,575 $ 55,417 $ 91,938 $ 21,508 $ 636,327 Special Mention 7,004 - 1,760 2,639 426 5,374 1,000 18,203 Substandard 1,483 1,034 4,083 - 1,236 1,111 73 9,020 Total $ 181,989 $ 135,452 $ 85,812 $ 82,214 $ 57,079 $ 98,423 $ 22,581 $ 663,550 Real Estate - Residential: Pass $ 130,424 $ 62,509 $ 38,617 $ 27,332 $ 26,829 $ 60,467 $ 6,600 $ 352,778 Special Mention - 134 20 121 167 412 - 854 Substandard 1,651 - 1,038 806 218 2,676 - 6,389 Total $ 132,075 $ 62,643 $ 39,675 $ 28,259 $ 27,214 $ 63,555 $ 6,600 $ 360,021 Real Estate - Home Equity: Performing $ 137 $ 53 $ 257 $ 130 $ 743 $ 1,510 $ 183,672 $ 186,502 Nonperforming - - 18 - - 78 1,223 1,319 Total $ 137 53 275 130 743 1,588 184,895 187,821 Consumer: Performing $ 173,031 $ 64,805 $ 39,045 $ 26,383 $ 10,759 $ 3,138 $ 5,220 $ 322,381 Nonperforming 58 44 37 66 1 6 - 212 Total $ 173,089 64,849 39,082 26,449 10,760 3,144 5,220 322,593

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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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