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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 | (As Restated) (As Restated) (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) 898,809 749,513 Real Estate – Home Equity 203,142 208,217 Consumer (2) 296,653 325,517 Loans Held For Investment, Net of Unearned Income $ 2,683,512 $ 2,547,685 (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, as restated Beginning Balance $ 1,515 $ 3,359 $ 4,710 $ 11,950 $ 1,879 $ 3,395 $ 26,808 Provision for Credit Losses (86) (512) 732 1,306 (188) 670 1,922 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 $ 13,388 $ 1,783 $ 3,325 $ 28,243 Six Months Ended June 30, 2023, as restated Beginning Balance $ 1,506 $ 2,654 $ 4,815 $ 10,741 $ 1,864 $ 3,488 $ 25,068 Provision for Credit Losses (8) 192 739 2,458 (198) 1,999 5,182 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 $ 13,388 $ 1,783 $ 3,325 $ 28,243 Three Months Ended June 30, 2022, as restated Beginning Balance $ 2,122 $ 2,596 $ 5,392 $ 4,502 $ 1,916 $ 4,260 $ 20,788 Provision for Credit Losses 564 542 (396) 1,210 (223) 123 1,820 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 $ 5,827 $ 1,760 $ 4,045 $ 21,463 Six Months Ended June 30, 2022, as restated Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses 403 (172) (577) 1,556 (628) 1,191 1,773 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 $ 5,827 $ 1,760 $ 4,045 $ 21,463
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, as restated 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 - 369 896,739 1,701 898,809 Real Estate – Home Equity 68 - - 68 202,318 756 203,142 Consumer 2,409 742 - 3,151 292,181 1,321 296,653 Total $ 2,993 $ 1,214 $ - $ 4,207 $ 2,672,682 $ 6,623 $ 2,683,512 December 31, 2022, as restated 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 - 1,375 747,899 239 749,513 Real Estate – Home Equity - 35 - 35 207,411 771 208,217 Consumer 3,666 1,852 - 5,518 319,415 584 325,517 Total $ 5,137 $ 2,692 $ - $ 7,829 $ 2,537,559 $ 2,297 $ 2,547,685
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 (As Restated) Revolving (As Restated) (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 $ 173,708 $ 473,235 $ 89,049 $ 41,916 $ 26,818 $ 75,872 $ 8,323 $ 888,921 Special Mention 269 92 228 517 - 560 - 1,666 Substandard 70 1,320 1,253 1,571 935 3,073 - 8,222 Total $ 174,047 $ 474,647 $ 90,530 $ 44,004 $ 27,753 $ 79,505 $ 8,323 $ 898,809 Real Estate - Home Equity: Performing $ - $ 149 $ 129 $ 11 $ 392 $ 1,122 $ 200,582 $ 202,385 Nonperforming - - - - - - 757 757 Total $ - $ 149 $ 129 $ 11 $ 392 $ 1,122 $ 201,339 $ 203,142 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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