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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2022
Loans Held For Investment And Allowance For Credit Losses [Abstract] |
Schedule of composition of the loan portfolio | (Dollars in Thousands) June 30, 2022 December 31, 2021 Commercial, Financial and Agricultural $ 247,902 $ 223,086 Real Estate – Construction 225,664 174,394 Real Estate – Commercial Mortgage 699,093 663,550 Real Estate – Residential (1) 484,975 360,021 Real Estate – Home Equity 194,658 187,821 Consumer (2) 361,361 322,593 Loans Held For Investment, Net of Unearned Income $ 2,213,653 $ 1,931,465 (1) Includes loans in process balances of $ 7.2 million and $ 13.6 million at June 30, 2022 and December 31, 2021, respectively. (2) Includes overdraft balances of $ 1.5 million and $ 1.1 million at June 30, 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 June 30, 2022 Beginning Balance $ 2,122 $ 2,596 $ 5,392 $ 4,470 $ 1,916 $ 4,260 $ 20,756 Provision for Credit Losses 564 542 (396) 1,060 (223) 123 1,670 Charge-Offs (1,104) - - - - (1,193) (2,297) Recoveries 59 - 56 115 67 855 1,152 Net (Charge-Offs) Recoveries (1,045) - 56 115 67 (338) (1,145) Ending Balance $ 1,641 $ 3,138 $ 5,052 $ 5,645 $ 1,760 $ 4,045 $ 21,281 Six Months Ended June 30, 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses 403 (172) (577) 1,374 (628) 1,191 1,591 Charge-Offs (1,177) - (266) - (33) (2,595) (4,071) Recoveries 224 8 85 142 125 1,571 2,155 Net (Charge-Offs) Recoveries (953) 8 (181) 142 92 (1,024) (1,916) Ending Balance $ 1,641 $ 3,138 $ 5,052 $ 5,645 $ 1,760 $ 4,045 $ 21,281 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 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 138 - 671 248 115 (317) 855 Ending Balance $ 1,972 $ 2,759 $ 7,569 $ 4,353 $ 2,457 $ 3,065 $ 22,175
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, 2022 Commercial, Financial and Agricultural $ 166 $ 27 $ - $ 193 $ 247,638 $ 71 $ 247,902 Real Estate – Construction - - - - 225,664 - 225,664 Real Estate – Commercial Mortgage 358 - - 358 698,305 430 699,093 Real Estate – Residential 236 - - 236 483,064 1,675 484,975 Real Estate – Home Equity 225 - - 225 193,700 733 194,658 Consumer 1,906 636 - 2,542 358,587 232 361,361 Total $ 2,891 $ 663 $ - $ 3,554 $ 2,206,958 $ 3,141 $ 2,213,653 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 | June 30, 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 $ - $ 71 $ - $ 67 $ 23 $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage - 430 - - 604 - Real Estate – Residential 1,508 167 - 928 1,169 - Real Estate – Home Equity - 733 - 463 856 - Consumer - 232 - - 212 - Total Nonaccrual Loans $ 1,508 $ 1,633 $ - $ 1,458 $ 2,864 $ -
Amortized cost basis of collateral-dependent loans | June 30, 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 697 - 1,645 - Real Estate – Home Equity 598 - 649 - Consumer - - - - Total Collateral Dependent Loans $ 1,295 $ - $ 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 $ 49,887 $ 54,079 $ 25,439 $ 21,041 $ 15,004 $ 15,218 $ 66,828 $ 247,496 Special Mention - - - 9 - 23 117 149 Substandard - - 8 - 122 127 - 257 Total $ 49,887 $ 54,079 $ 25,447 $ 21,050 $ 15,126 $ 15,368 $ 66,945 $ 247,902 Real Estate - Construction: Pass $ 57,643 $ 107,385 $ 48,432 $ 8,482 $ - $ 126 $ 2,905 $ 224,973 Special Mention - - 691 - - - - 691 Total $ 57,643 $ 107,385 $ 49,123 $ 8,482 $ - $ 126 $ 2,905 $ 225,664 Real Estate - Commercial Mortgage: Pass $ 124,927 $ 155,769 $ 116,218 $ 66,400 $ 67,022 $ 119,767 $ 25,115 $ 675,218 Special Mention 224 1,133 235 1,740 742 6,862 1,493 12,429 Substandard 7,510 1,788 402 631 - 1,047 68 11,446 Total $ 132,661 $ 158,690 $ 116,855 $ 68,771 $ 67,764 $ 127,676 $ 26,676 $ 699,093 Real Estate - Residential: Pass $ 183,113 $ 106,587 $ 51,210 $ 31,925 $ 22,142 $ 74,104 $ 7,508 $ 476,589 Special Mention 59 - 130 17 59 562 - 827 Substandard 119 1,076 976 935 895 3,558 - 7,559 Total $ 183,291 $ 107,663 $ 52,316 $ 32,877 $ 23,096 $ 78,224 $ 7,508 $ 484,975 Real Estate - Home Equity: Performing $ 29 $ 133 $ 13 $ 299 $ 154 $ 2,101 $ 191,196 $ 193,925 Nonperforming - - - 16 - - 717 733 Total $ 29 $ 133 $ 13 $ 315 $ 154 $ 2,101 $ 191,913 $ 194,658 Consumer: Performing $ 112,549 $ 139,965 $ 48,931 $ 28,715 $ 18,005 $ 7,544 $ 5,420 $ 361,129 Nonperforming 22 56 56 47 38 13 - 232 Total $ 112,571 $ 140,021 $ 48,987 $ 28,762 $ 18,043 $ 7,557 $ 5,420 $ 361,361

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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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