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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2022
Loans Held For Investment And Allowance For Credit Losses [Abstract] |
Schedule of composition of the loan portfolio | (Dollars in Thousands) March 31, 2022 December 31, 2021 Commercial, Financial and Agricultural $ 230,213 $ 223,086 Real Estate – Construction 174,293 174,394 Real Estate – Commercial Mortgage 669,110 663,550 Real Estate – Residential (1) 374,712 360,021 Real Estate – Home Equity 188,174 187,821 Consumer (2) 349,007 322,593 Loans Held For Investment, Net of Unearned Income $ 1,985,509 $ 1,931,465 (1) Includes loans in process balances of $ 6.7 million and $ 13.6 million at March 31, 2022 and December 31, 2021, respectively. (2) Includes overdraft balances of $ 1.2 million and $ 1.1 million at March 31, 2022 and December 31, 2021, 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, 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses (161) (714) (181) 314 (405) 1,068 (79) Charge-Offs (73) - (266) - (33) (1,402) (1,774) Recoveries 165 8 29 27 58 716 1,003 Net (Charge-Offs) Recoveries 92 8 (237) 27 25 (686) (771) Ending Balance $ 2,122 $ 2,596 $ 5,392 $ 4,470 $ 1,916 $ 4,260 $ 20,756 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 (Charge-Offs) Recoveries 67 - 645 69 119 (378) 522 Ending Balance $ 1,957 $ 2,254 $ 6,956 $ 5,204 $ 2,575 $ 3,080 $ 22,026
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, 2022 Commercial, Financial and Agricultural $ 205 $ 79 $ - $ 284 $ 229,898 $ 31 $ 230,213 Real Estate – Construction - - - - 174,293 - 174,293 Real Estate – Commercial Mortgage 502 - - 502 668,186 422 669,110 Real Estate – Residential 474 29 - 503 373,005 1,204 374,712 Real Estate – Home Equity 47 - - 47 187,283 844 188,174 Consumer 1,152 632 - 1,784 346,996 227 349,007 Total $ 2,380 $ 740 $ - $ 3,120 $ 1,979,661 $ 2,728 $ 1,985,509 December 31, 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
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans | March 31, 2022 December 31, 2021 Nonaccrual Nonaccrual Nonaccrual Nonaccrual With No With 90 + Days With No With 90 + Days (Dollars in Thousands) ACL ACL Still Accruing ACL ACL Still Accruing Commercial, Financial and Agricultural $ - $ 31 $ - $ 67 $ 23 $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage - 422 - - 604 - Real Estate – Residential 728 476 - 928 1,169 - Real Estate – Home Equity - 844 - 463 856 - Consumer - 227 - - 212 - Total Nonaccrual Loans $ 728 $ 2,000 $ - $ 1,458 $ 2,864 $ -
Amortized cost basis of collateral-dependent loans | March 31, 2022 December 31, 2021 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ - $ - $ 67 Real Estate – Construction - - - - Real Estate – Commercial Mortgage - - 455 - Real Estate – Residential 855 - 1,645 - Real Estate – Home Equity 601 - 649 - Consumer - - - - Total Collateral Dependent Loans $ 1,456 $ - $ 2,749 $ 67
Summary of gross loans held for investment by years of origination | Term Loans by Origination Year Revolving (Dollars in Thousands) 2022 2021 2020 2019 2018 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 22,526 $ 60,369 $ 27,910 $ 26,368 $ 18,565 $ 18,863 $ 54,707 $ 229,308 Special Mention - 100 187 268 16 24 - 595 Substandard - - 58 - 184 68 - 310 Total $ 22,526 $ 60,469 $ 28,155 $ 26,636 $ 18,765 $ 18,955 $ 54,707 $ 230,213 Real Estate - Construction: Pass $ 11,641 $ 109,459 $ 42,522 $ 8,684 $ - $ 129 $ 1,858 $ 174,293 Total $ 11,641 $ 109,459 $ 42,522 $ 8,684 $ - $ 129 $ 1,858 $ 174,293 Real Estate - Commercial Mortgage: Pass $ 50,302 $ 165,574 $ 123,213 $ 73,444 $ 73,824 $ 131,407 $ 26,092 $ 643,856 Special Mention - - 410 1,750 2,615 5,761 1,250 11,786 Substandard - 10,055 405 640 - 2,298 70 13,468 Total $ 50,302 $ 175,629 $ 124,028 $ 75,834 $ 76,439 $ 139,466 $ 27,412 $ 669,110 Real Estate - Residential: Pass $ 46,698 $ 117,058 $ 55,670 $ 34,111 $ 23,957 $ 81,162 $ 6,255 $ 364,911 Special Mention 61 - 132 18 60 570 1,348 2,189 Substandard 74 576 1,007 1,085 971 3,899 - 7,612 Total $ 46,833 $ 117,634 $ 56,809 $ 35,214 $ 24,988 $ 85,631 $ 7,603 $ 374,712 Real Estate - Home Equity: Performing $ - $ 146 $ 13 $ 255 $ 130 $ 2,191 $ 184,595 $ 187,330 Nonperforming - - - 17 - - 827 844 Total $ - $ 146 $ 13 $ 272 $ 130 $ 2,191 $ 185,422 $ 188,174 Consumer: Performing $ 61,883 $ 159,135 $ 56,232 $ 33,402 $ 22,026 $ 10,370 $ 5,731 $ 348,779 Nonperforming - 58 59 22 58 31 - 228 Total $ 61,883 $ 159,193 $ 56,291 $ 33,424 $ 22,084 $ 10,401 $ 5,731 $ 349,007

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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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