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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2022
Loans Held For Investment And Allowance For Credit Losses [Abstract] |
Schedule of composition of the loan portfolio | (Dollars in Thousands) September 30, 2022 December 31, 2021 Commercial, Financial and Agricultural $ 246,304 $ 223,086 Real Estate – Construction 237,718 174,394 Real Estate – Commercial Mortgage 715,870 663,550 Real Estate – Residential (1) 594,785 360,021 Real Estate – Home Equity 202,512 187,821 Consumer (2) 348,996 322,593 Loans Held For Investment, Net of Unearned Income $ 2,346,185 $ 1,931,465 (1) Includes loans in process balances of $ 21.7 million and $ 13.6 million at September 30, 2022 and December 31, 2021, respectively. (2) Includes overdraft balances of $ 1.0 million and $ 1.1 million at September 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 September 30, 2022 Beginning Balance $ 1,641 $ 3,138 $ 5,052 $ 5,645 $ 1,760 $ 4,045 $ 21,281 Provision for Credit Losses (136) (22) (120) 1,333 127 749 1,931 Charge-Offs (2) - (1) - - (1,759) (1,762) Recoveries 58 2 8 44 22 926 1,060 Net (Charge-Offs) Recoveries 56 2 7 44 22 (833) (702) Ending Balance $ 1,561 $ 3,118 $ 4,939 $ 7,022 $ 1,909 $ 3,961 $ 22,510 Nine Months Ended September 30, 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses 267 (194) (697) 2,707 (501) 1,940 3,522 Charge-Offs (1,179) - (267) - (33) (4,354) (5,833) Recoveries 282 10 93 186 147 2,497 3,215 Net (Charge-Offs) Recoveries (897) 10 (174) 186 114 (1,857) (2,618) Ending Balance $ 1,561 $ 3,118 $ 4,939 $ 7,022 $ 1,909 $ 3,961 $ 22,510 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 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 167 10 435 632 146 (664) 726 Ending Balance $ 2,179 $ 3,286 $ 5,745 $ 4,304 $ 2,357 $ 3,629 $ 21,500
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, 2022 Commercial, Financial and Agricultural $ 274 $ 68 $ - $ 342 $ 245,883 $ 79 $ 246,304 Real Estate – Construction - - - - 237,718 - 237,718 Real Estate – Commercial Mortgage 1,098 - - 1,098 714,292 480 715,870 Real Estate – Residential (1) 114 1,237 - 1,351 592,629 805 594,785 Real Estate – Home Equity 564 18 - 582 201,134 796 202,512 Consumer 2,151 739 - 2,890 345,857 249 348,996 Total $ 4,201 $ 2,062 $ - $ 6,263 $ 2,337,513 $ 2,409 $ 2,346,185 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 (1) Includes $0.1 million of Loans Held for Sale in nonaccrual status as of September 30, 2022.
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans | September 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 $ - $ 79 $ - $ 67 $ 23 $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage - 480 - - 604 - Real Estate – Residential 597 208 - 928 1,169 - Real Estate – Home Equity - 796 - 463 856 - Consumer - 249 - - 212 - Total Nonaccrual Loans $ 597 $ 1,812 $ - $ 1,458 $ 2,864 $ -
Amortized cost basis of collateral-dependent loans | September 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 570 - 1,645 - Real Estate – Home Equity 596 - 649 - Consumer - - - - Total Collateral Dependent Loans $ 1,166 $ - $ 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 $ 71,112 $ 49,357 $ 22,681 $ 17,018 $ 13,343 $ 12,893 $ 57,623 $ 244,027 Special Mention - - - 8 - 23 1,979 2,010 Substandard - - 7 - 95 150 15 267 Total $ 71,112 $ 49,357 $ 22,688 $ 17,026 $ 13,438 $ 13,066 $ 59,617 $ 246,304 Real Estate - Construction: Pass $ 101,666 $ 92,202 $ 37,665 $ 809 $ - $ 125 $ 3,023 $ 235,490 Special Mention 44 323 384 786 - - - 1,537 Substandard - - 691 - - - - 691 Total $ 101,710 $ 92,525 $ 38,740 $ 1,595 $ - $ 125 $ 3,023 $ 237,718 Real Estate - Commercial Mortgage: Pass $ 172,531 $ 148,101 $ 122,782 $ 57,497 $ 61,869 $ 105,875 $ 19,567 $ 688,222 Special Mention 219 5,014 233 1,725 733 6,779 1,578 16,281 Substandard 7,415 1,789 391 622 - 1,021 129 11,367 Total $ 180,165 $ 154,904 $ 123,406 $ 59,844 $ 62,602 $ 113,675 $ 21,274 $ 715,870 Real Estate - Residential: Pass $ 310,007 $ 100,110 $ 47,970 $ 30,070 $ 20,570 $ 67,954 $ 8,748 $ 585,429 Special Mention 279 - 128 16 58 545 - 1,026 Substandard 679 1,336 820 1,441 720 3,334 - 8,330 Total $ 310,965 $ 101,446 $ 48,918 $ 31,527 $ 21,348 $ 71,833 $ 8,748 $ 594,785 Real Estate - Home Equity: Performing $ 32 $ 141 $ 12 $ 403 $ 149 $ 1,368 $ 199,612 $ 201,717 Nonperforming - - - 15 - - 780 795 Total $ 32 $ 141 $ 12 $ 418 $ 149 $ 1,368 $ 200,392 $ 202,512 Consumer: Performing $ 131,573 $ 124,096 $ 42,504 $ 24,655 $ 14,966 $ 5,455 $ 5,498 $ 348,747 Nonperforming - 109 76 14 39 11 - 249 Total $ 131,573 $ 124,205 $ 42,580 $ 24,669 $ 15,005 $ 5,466 $ 5,498 $ 348,996

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