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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2022
Loans, net [Abstract] |
Schedule of composition of the loan portfolio | (Dollars in Thousands) 2022 2021 Commercial, Financial and Agricultural $ 247,362 $ 223,086 Real Estate – Construction 234,519 174,394 Real Estate – Commercial Mortgage 782,557 663,550 Real Estate – Residential (1) 727,105 360,021 Real Estate – Home Equity 208,120 187,821 Consumer (2) 325,517 322,593 Loans Held for Investment, Net of Unearned Income $ 2,525,180 $ 1,931,465 (1) Includes loans in process with outstanding balances of $ 6.1 million and $ 13.6 million for 2022 and 2021, respectively. (2) Includes overdraft balances of $ 1.1 million and $ 1.1 million for December 31, 2022 and 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 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses 316 (658) (746) 5,996 (422) 2,579 7,065 Charge-Offs (1,308) - (355) - (193) (6,050) (7,906) Recoveries 307 10 106 284 183 3,081 3,971 Net (Charge-Offs) Recoveries (1,001) 10 (249) 284 (10) (2,969) (3,935) Ending Balance $ 1,506 $ 2,654 $ 4,815 $ 10,409 $ 1,864 $ 3,488 $ 24,736 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
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 2022 Commercial, Financial and Agricultural $ 109 $ 126 $ - $ 235 $ 247,086 $ 41 $ 247,362 Real Estate – Construction 359 - - 359 234,143 17 234,519 Real Estate – Commercial Mortgage 158 149 - 307 781,605 645 782,557 Real Estate – Residential (1) 845 530 - 1,375 725,491 239 727,105 Real Estate – Home Equity - 35 - 35 207,314 771 208,120 Consumer 3,666 1,852 - 5,518 319,415 584 325,517 Total $ 5,137 $ 2,692 $ - $ 7,829 $ 2,515,054 $ 2,297 $ 2,525,180 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 | 2022 2021 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 $ - $ 41 $ - $ 67 $ 23 $ - Real Estate – Construction - 17 - - - - Real Estate – Commercial Mortgage 389 256 - - 604 - Real Estate – Residential - 239 - 928 1,169 - Real Estate – Home Equity - 771 - 463 856 - Consumer - 584 - - 212 - Total Nonaccrual Loans $ 389 $ 1,908 $ - $ 1,458 $ 2,864 $ -
Amortized cost basis of collateral-dependent loans | 2022 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 389 - 455 - Real Estate – Residential 160 - 1,645 - Real Estate – Home Equity 130 - 649 - Consumer 21 - - - Total $ 700 $ - $ 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, Agricultural: Pass $ 96,326 $ 43,584 $ 20,061 $ 14,744 $ 6,899 $ 11,970 $ 50,934 $ 244,518 Special Mention - 262 7 - 51 - 2,330 2,650 Substandard - - - - 13 133 48 194 Total $ 96,326 $ 43,846 $ 20,068 $ 14,744 $ 6,963 $ 12,103 $ 53,312 $ 247,362 Real Estate - Construction: Pass $ 141,784 $ 73,219 $ 11,928 $ 397 $ - $ 123 $ 4,431 $ 231,882 Special Mention - 716 384 832 - - - 1,932 Substandard 17 - 688 - - - - 705 Total $ 141,801 $ 73,935 $ 13,000 $ 1,229 $ - $ 123 $ 4,431 $ 234,519 Real Estate - Commercial Mortgage: Pass $ 243,818 $ 159,334 $ 131,131 $ 55,122 $ 51,864 $ 101,175 $ 20,575 $ 763,019 Special Mention 635 1,860 931 1,420 724 2,405 549 8,524 Substandard 9,115 - - 659 220 631 389 11,014 Total $ 253,568 $ 161,194 $ 132,062 $ 57,201 $ 52,808 $ 104,211 $ 21,513 $ 782,557 Real Estate - Residential: Pass $ 450,827 $ 97,083 $ 46,322 $ 29,179 $ 19,791 $ 65,071 $ 10,822 $ 719,095 Special Mention 94 360 533 - - 648 - 1,635 Substandard 560 766 1,034 913 714 2,388 - 6,375 Total $ 451,481 $ 98,209 $ 47,889 $ 30,092 $ 20,505 $ 68,107 $ 10,822 $ 727,105 Real Estate - Home Equity: Performing $ 52 $ 136 $ 12 $ 397 $ 147 $ 1,215 $ 205,390 $ 207,349 Nonperforming - - - 15 - 13 743 771 Total $ 52 136 12 412 147 1,228 206,133 208,120 Consumer: Performing $ 134,021 $ 111,762 $ 37,010 $ 21,065 $ 12,273 $ 3,739 $ 5,064 $ 324,934 Nonperforming 248 59 120 115 7 30 4 583 Total $ 134,269 $ 111,821 $ 37,130 $ 21,180 $ 12,280 $ 3,769 $ 5,068 $ 325,517

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