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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2023
Loans Held For Investment And Allowance For Credit Losses [Abstract] |
Composition of the loan portfolio | (Dollars in Thousands) June 30, 2023 December 31, 2022 Commercial, Financial and Agricultural $ 227,219 $ 247,362 Real Estate – Construction 226,404 234,519 Real Estate – Commercial Mortgage 831,285 782,557 Real Estate – Residential (1) 882,292 727,105 Real Estate – Home Equity 203,150 208,120 Consumer (2) 296,653 325,517 Loans Held For Investment, Net of Unearned Income $ 2,667,003 $ 2,525,180 (1) Includes loans in process balance of $ 6.1 million at both June 30, 2023 and December 31, 2022. (2) Includes overdraft balances of $ 1.0 million and $ 1.1 million at June 30, 2023 and December 31, 2022, respectively.
Activity in 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, 2023 Beginning Balance $ 1,515 $ 3,359 $ 4,710 $ 11,649 $ 1,879 $ 3,395 $ 26,507 Provision for Credit Losses (86) (512) 732 1,328 (188) 670 1,944 Charge-Offs (54) - - - (39) (1,887) (1,980) Recoveries 71 1 11 132 131 1,147 1,493 Net (Charge-Offs) Recoveries 17 1 11 132 92 (740) (487) Ending Balance $ 1,446 $ 2,848 $ 5,453 $ 13,109 $ 1,783 $ 3,325 $ 27,964 Six Months Ended June 30, 2023 Beginning Balance $ 1,506 $ 2,654 $ 4,815 $ 10,409 $ 1,864 $ 3,488 $ 24,736 Provision for Credit Losses (8) 192 739 2,511 (198) 1,999 5,235 Charge-Offs (218) - (120) - (39) (4,253) (4,630) Recoveries 166 2 19 189 156 2,091 2,623 Net (Charge-Offs) Recoveries (52) 2 (101) 189 117 (2,162) (2,007) Ending Balance $ 1,446 $ 2,848 $ 5,453 $ 13,109 $ 1,783 $ 3,325 $ 27,964 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 (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 (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
Loan Portfolio Aging | 30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans June 30, 2023 Commercial, Financial and Agricultural $ 196 $ 81 $ - $ 277 $ 226,933 $ 9 $ 227,219 Real Estate – Construction - 218 - 218 225,771 415 226,404 Real Estate – Commercial Mortgage 79 45 - 124 828,740 2,421 831,285 Real Estate – Residential 241 128 - 369 880,222 1,701 882,292 Real Estate – Home Equity 68 - - 68 202,326 756 203,150 Consumer 2,409 742 - 3,151 292,181 1,321 296,653 Total $ 2,993 $ 1,214 $ - $ 4,207 $ 2,656,173 $ 6,623 $ 2,667,003 December 31, 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 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
Recorded investment in nonaccrual and past due loans | June 30, 2023 December 31, 2022 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 $ - $ 9 $ - $ - $ 41 $ - Real Estate – Construction 415 - - - 17 - Real Estate – Commercial Mortgage 2,212 209 - 389 256 - Real Estate – Residential 1,172 529 - - 239 - Real Estate – Home Equity 227 529 - - 771 - Consumer - 1,321 - - 584 - Total Nonaccrual Loans $ 4,026 $ 2,597 $ - $ 389 $ 1,908 $ -
Collateral-dependent loans | June 30, 2023 December 31, 2022 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ - $ - $ - Real Estate – Construction 415 - - - Real Estate – Commercial Mortgage 2,212 - 389 - Real Estate – Residential 1,098 - 160 - Real Estate – Home Equity 227 - 130 - Consumer - - 21 - Total Collateral Dependent Loans $ 3,952 $ - $ 700 $ -
Loans held for investment by years of origination | Term Loans by Origination Year Revolving (Dollars in Thousands) 2023 2022 2021 2020 2019 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 25,879 $ 77,944 $ 36,236 $ 14,631 $ 10,016 $ 10,518 $ 46,644 $ 221,868 Special Mention 1,490 516 986 126 69 149 1,909 5,245 Substandard 6 46 21 17 - 16 - 106 Total $ 27,375 $ 78,506 $ 37,243 $ 14,774 $ 10,085 $ 10,683 $ 48,553 $ 227,219 Current-Period Gross Writeoffs $ - $ 129 $ 40 $ 14 $ 12 $ 10 $ 13 $ 218 Real Estate - Construction: Pass $ 59,976 $ 121,631 $ 32,667 $ 1,807 $ 189 $ 123 $ 7,855 $ 224,248 Special Mention 478 - 375 - - - - 853 Substandard - - 218 1,085 - - - 1,303 Total $ 60,454 $ 121,631 $ 33,260 $ 2,892 $ 189 $ 123 $ 7,855 $ 226,404 Real Estate - Commercial Mortgage: Pass $ 62,928 $ 261,333 $ 165,145 $ 128,342 $ 47,330 $ 130,477 $ 19,554 $ 815,109 Special Mention 4,343 793 948 239 1,483 2,461 439 10,706 Substandard - 806 831 1,920 628 632 653 5,470 Total $ 67,271 $ 262,932 $ 166,924 $ 130,501 $ 49,441 $ 133,570 $ 20,646 $ 831,285 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ 120 $ - $ 120 Real Estate - Residential: Pass $ 211,696 $ 418,730 $ 89,049 $ 41,916 $ 26,818 $ 75,872 $ 8,323 $ 872,404 Special Mention 269 92 228 517 - 560 - 1,666 Substandard 70 1,320 1,253 1,571 935 3,073 - 8,222 Total $ 212,035 $ 420,142 $ 90,530 $ 44,004 $ 27,753 $ 79,505 $ 8,323 $ 882,292 Real Estate - Home Equity: Performing $ - $ 50 $ 129 $ 11 $ 392 $ 1,122 $ 200,689 $ 202,393 Nonperforming - - - - - - 757 757 Total $ - $ 50 $ 129 $ 11 $ 392 $ 1,122 $ 201,446 $ 203,150 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 39 $ 39 Consumer: Performing $ 39,592 $ 109,461 $ 88,648 $ 28,133 $ 14,878 $ 8,976 $ 5,645 $ 295,333 Nonperforming - 633 418 179 81 7 2 1,320 Total $ 39,592 $ 110,094 $ 89,066 $ 28,312 $ 14,959 $ 8,983 $ 5,647 $ 296,653 Current-Period Gross Writeoffs $ 1,571 $ 1,486 $ 763 $ 138 $ 143 $ 63 $ 89 $ 4,253

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