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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2023
Loans Held For Investment And Allowance For Credit Losses [Abstract] |
Schedule of composition of the loan portfolio | (As Restated) (As Restated) (Dollars in Thousands) March 31, 2023 December 31, 2022 Commercial, Financial and Agricultural $ 236,263 $ 247,362 Real Estate – Construction 253,903 234,519 Real Estate – Commercial Mortgage 798,438 782,557 Real Estate – Residential (1) 855,357 749,513 Real Estate – Home Equity 206,931 208,217 Consumer (2) 306,255 325,517 Loans Held For Investment, Net of Unearned Income $ 2,657,147 $ 2,547,685 (1) Includes loans in process balances of $ 8.5 million and $ 6.1 million at March 31, 2023 and December 31, 2022, respectively. (2) Includes overdraft balances of $ 0.9 million and $ 1.1 million at March 31, 2023 and December 31, 2022, 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 March 31, 2023 (As Restated) Beginning Balance $ 1,506 $ 2,654 $ 4,815 $ 10,741 $ 1,864 $ 3,488 $ 25,068 Provision for Credit Losses 78 704 7 1,152 (10) 1,329 3,260 Charge-Offs (164) - (120) - - (2,366) (2,650) Recoveries 95 1 8 57 25 944 1,130 Net (Charge-Offs) Recoveries (69) 1 (112) 57 25 (1,422) (1,520) Ending Balance $ 1,515 $ 3,359 $ 4,710 $ 11,950 $ 1,879 $ 3,395 $ 26,808 Three Months Ended March 31, 2022 (As Restated) Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses (161) (714) (181) 346 (405) 1,068 (47) Charge-Offs (73) - (266) - (33) (1,402) (1,774) Recoveries 165 8 29 27 58 716 1,003 Net (Charge-Offs) Recoveries 92 8 (237) 27 25 (686) (771) Ending Balance $ 2,122 $ 2,596 $ 5,392 $ 4,502 $ 1,916 $ 4,260 $ 20,788
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 March 31, 2023 (As Restated) Commercial, Financial and Agricultural $ 248 $ 4 $ - $ 252 $ 235,999 $ 12 $ 236,263 Real Estate – Construction 1,137 - - 1,137 252,766 - 253,903 Real Estate – Commercial Mortgage 64 66 - 130 795,747 2,561 798,438 Real Estate – Residential (1) 1,040 - - 1,040 853,551 766 855,357 Real Estate – Home Equity 54 - - 54 206,195 682 206,931 Consumer 2,175 273 - 2,448 303,239 568 306,255 Total $ 4,718 $ 343 $ - $ 5,061 $ 2,647,497 $ 4,589 $ 2,657,147 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
Schedule of recorded investment in nonaccrual loans and loans past due over 90 days and still on accrual by class of loans | March 31, 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 $ - $ 12 $ - $ - $ 41 $ - Real Estate – Construction - - - - 17 - Real Estate – Commercial Mortgage 2,438 123 - 389 256 - Real Estate – Residential - 766 - - 239 - Real Estate – Home Equity - 682 - - 771 - Consumer - 568 - - 584 - Total Nonaccrual Loans $ 2,438 $ 2,151 $ - $ 389 $ 1,908 $ -
Amortized cost basis of collateral-dependent loans | March 31, 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 - - - - Real Estate – Commercial Mortgage 2,207 - 389 - Real Estate – Residential - - 160 - Real Estate – Home Equity 231 - 130 - Consumer - - 21 - Total Collateral Dependent Loans $ 2,438 $ - $ 700 $ -
Summary of gross loans held for investment by years of origination | Term Loans by Origination Year (As Restated) (As Restated) Revolving (As Restated) (Dollars in Thousands) 2023 2022 2021 2020 2019 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 9,753 $ 86,415 $ 40,206 $ 17,534 $ 12,291 $ 15,965 $ 49,582 $ 231,746 Special Mention 1,200 - 748 71 2 47 2,322 4,390 Substandard - 80 - - 4 43 - 127 Total $ 10,953 $ 86,495 $ 40,954 $ 17,605 $ 12,297 $ 16,055 $ 51,904 $ 236,263 Current-Period Gross Writeoffs $ - $ 105 $ 22 $ 14 $ - $ 10 $ 13 $ 164 Real Estate - Construction: Pass $ 34,114 $ 149,982 $ 52,697 $ 7,275 $ 397 $ 123 $ 6,881 $ 251,469 Special Mention - - 859 25 453 - - 1,337 Substandard - - - 1,097 - - - 1,097 Total $ 34,114 $ 149,982 $ 53,556 $ 8,397 $ 850 $ 123 $ 6,881 $ 253,903 Real Estate - Commercial Mortgage: Pass $ 34,848 $ 245,205 $ 159,795 $ 131,444 $ 51,973 $ 137,449 $ 26,056 $ 786,770 Special Mention 995 339 992 240 1,402 2,819 300 7,087 Substandard - 822 966 753 642 763 635 4,581 Total $ 35,843 $ 246,366 $ 161,753 $ 132,437 $ 54,017 $ 141,031 $ 26,991 $ 798,438 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ 120 $ - $ 120 Real Estate - Residential: Pass $ 116,896 $ 473,235 $ 92,988 $ 44,541 $ 28,365 $ 80,711 $ 9,109 $ 845,845 Special Mention - 92 356 525 - 632 - 1,605 Substandard - 1,042 1,133 1,725 953 3,054 - 7,907 Total $ 116,896 $ 474,369 $ 94,477 $ 46,791 $ 29,318 $ 84,397 $ 9,109 $ 855,357 Real Estate - Home Equity: Performing $ - $ 149 $ 133 $ 12 $ 387 $ 1,192 $ 204,376 $ 206,249 Nonperforming - - - - 14 76 592 682 Total $ - $ 149 $ 133 $ 12 $ 401 $ 1,268 $ 204,968 $ 206,931 Consumer: Performing $ 15,735 $ 122,092 $ 100,617 $ 32,203 $ 17,726 $ 12,242 $ 5,072 $ 305,687 Nonperforming - 269 170 19 84 26 - 568 Total $ 15,735 $ 122,361 $ 100,787 $ 32,222 $ 17,810 $ 12,268 $ 5,072 $ 306,255 Current-Period Gross Writeoffs $ 646 $ 915 $ 488 $ 110 $ 113 $ 47 $ 47 $ 2,366

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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 https://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 https://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524 + Details
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