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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2023
Loans Held for Investment and Allowance for Credit Losses [Abstract] |
Composition of the loan portfolio | (Dollars in Thousands) September 30, 2023 December 31, 2022 Commercial, Financial and Agricultural $ 221,704 $ 247,362 Real Estate – Construction 197,526 234,519 Real Estate – Commercial Mortgage 828,234 782,557 Real Estate – Residential (1) 967,913 749,513 Real Estate – Home Equity 203,606 208,217 Consumer (2) 286,198 325,517 Loans Held For Investment, Net of Unearned Income $ 2,705,181 $ 2,547,685 (1) Includes loans in process balance of $ 2.3 million and $ 6.1 million at both September 30, 2023 and December 31, 2022. (2) Includes overdraft balances of $ 1.1 million at September 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 September 30, 2023 Beginning Balance $ 1,446 $ 2,848 $ 5,453 $ 13,388 $ 1,783 $ 3,325 $ 28,243 Provision for Credit Losses (59) (536) 84 1,356 (71) 1,219 1,993 Charge-Offs (76) - - - - (1,999) (2,075) Recoveries 28 - 17 30 53 794 922 Net (Charge-Offs) Recoveries (48) - 17 30 53 (1,205) (1,153) Ending Balance $ 1,339 $ 2,312 $ 5,554 $ 14,774 $ 1,765 $ 3,339 $ 29,083 Nine Months Ended September 30, 2023 Beginning Balance $ 1,506 $ 2,654 $ 4,815 $ 10,741 $ 1,864 $ 3,488 $ 25,068 Provision for Credit Losses (67) (344) 823 3,814 (269) 3,218 7,175 Charge-Offs (294) - (120) - (39) (6,252) (6,705) Recoveries 194 2 36 219 209 2,885 3,545 Net (Charge-Offs) Recoveries (100) 2 (84) 219 170 (3,367) (3,160) Ending Balance $ 1,339 $ 2,312 $ 5,554 $ 14,774 $ 1,765 $ 3,339 $ 29,083 Three Months Ended September 30, 2022 Beginning Balance $ 1,641 $ 3,138 $ 5,052 $ 5,827 $ 1,760 $ 4,045 $ 21,463 Provision for Credit Losses (136) (22) (120) 1,388 127 749 1,986 Charge-Offs (2) - (1) - - (1,759) (1,762) Recoveries 58 2 8 44 22 926 1,060 Net Charge-Offs 56 2 7 44 22 (833) (702) Ending Balance $ 1,561 $ 3,118 $ 4,939 $ 7,259 $ 1,909 $ 3,961 $ 22,747 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) 2,944 (501) 1,940 3,759 Charge-Offs (1,179) - (267) - (33) (4,354) (5,833) Recoveries 282 10 93 186 147 2,497 3,215 Net Charge-Offs (897) 10 (174) 186 114 (1,857) (2,618) Ending Balance $ 1,561 $ 3,118 $ 4,939 $ 7,259 $ 1,909 $ 3,961 $ 22,747
Loan Portfolio Aging | 30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans September 30, 2023 Commercial, Financial and Agricultural $ 306 $ 106 $ - $ 412 $ 221,236 $ 56 $ 221,704 Real Estate – Construction - - - - 197,251 275 197,526 Real Estate – Commercial Mortgage 393 44 - 437 826,888 909 828,234 Real Estate – Residential 331 117 - 448 965,171 2,294 967,913 Real Estate – Home Equity 420 27 - 447 202,692 467 203,606 Consumer 3,040 793 - 3,833 281,672 693 286,198 Total $ 4,490 $ 1,087 $ - $ 5,577 $ 2,694,910 $ 4,694 $ 2,705,181 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 - 1,375 747,899 239 749,513 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 | September 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 $ - $ 56 $ - $ - $ 41 $ - Real Estate – Construction - 275 - - 17 - Real Estate – Commercial Mortgage 780 129 - 389 256 - Real Estate – Residential 1,084 1,210 - - 239 - Real Estate – Home Equity - 467 - - 771 - Consumer - 693 - - 584 - Total Nonaccrual Loans $ 1,864 $ 2,830 $ - $ 389 $ 1,908 $ -
Collateral-dependent loans | September 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 275 - - - Real Estate – Commercial Mortgage 781 - 389 - Real Estate – Residential 1,084 - 160 - Real Estate – Home Equity - - 130 - Consumer - - 21 - Total Collateral Dependent Loans $ 2,140 $ - $ 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 $ 40,571 $ 72,609 $ 32,101 $ 12,418 $ 8,920 $ 9,055 $ 44,290 $ 219,964 Special Mention 182 461 405 11 13 8 76 1,156 Substandard - 106 108 82 27 150 111 584 Total $ 40,753 $ 73,176 $ 32,614 $ 12,511 $ 8,960 $ 9,213 $ 44,477 $ 221,704 Current-Period Gross Writeoffs $ 6 $ 149 $ 48 $ 31 $ 12 $ 10 $ 38 $ 294 Real Estate - Construction: Pass $ 76,755 $ 88,831 $ 22,609 $ 1,214 $ 189 $ - $ 5,482 $ 195,080 Special Mention 568 - 625 214 - - - 1,407 Substandard - - 378 661 - - - 1,039 Total $ 77,323 $ 88,831 $ 23,612 $ 2,089 $ 189 $ - $ 5,482 $ 197,526 Real Estate - Commercial Mortgage: Pass $ 93,098 $ 277,464 $ 154,743 $ 108,076 $ 44,874 $ 115,068 $ 16,059 $ 809,382 Special Mention 3,299 316 - 233 1,373 1,014 - 6,235 Substandard - 1,250 6,781 1,651 614 1,627 694 12,617 Total $ 96,397 $ 279,030 $ 161,524 $ 109,960 $ 46,861 $ 117,709 $ 16,753 $ 828,234 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ 120 $ - $ 120 Real Estate - Residential: Pass $ 294,155 $ 434,902 $ 86,357 $ 39,468 $ 26,126 $ 71,667 $ 8,031 $ 960,706 Special Mention 269 90 225 510 - 542 - 1,636 Substandard 790 106 204 479 918 3,074 - 5,571 Total $ 295,214 $ 435,098 $ 86,786 $ 40,457 $ 27,044 $ 75,283 $ 8,031 $ 967,913 Real Estate - Home Equity: Performing $ 71 $ 145 $ 130 $ 11 $ 388 $ 997 $ 201,397 $ 203,139 Nonperforming - - - - - - 467 467 Total $ 71 $ 145 $ 130 $ 11 $ 388 $ 997 $ 202,257 $ 203,606 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 39 $ 39 Consumer: Performing $ 57,755 $ 99,327 $ 79,230 $ 24,375 $ 12,417 $ 6,387 $ 6,014 $ 285,505 Nonperforming 69 226 202 193 - 3 - 693 Total $ 57,824 $ 99,553 $ 79,432 $ 24,568 $ 12,417 $ 6,390 $ 6,014 $ 286,198 Current-Period Gross Writeoffs $ 2,322 $ 2,199 $ 1,075 $ 228 $ 200 $ 94 $ 134 $ 6,252

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