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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2023
Loans Held for Investment and Allowance for Credit Losses [Abstract] |
Schedule of Composition of the Loan Portfolio | (Dollars in Thousands) 2023 2022 Commercial, Financial and Agricultural $ 225,190 $ 247,362 Real Estate – Construction 196,091 234,519 Real Estate – Commercial Mortgage 825,456 782,557 Real Estate – Residential (1) 1,004,219 749,513 Real Estate – Home Equity 210,920 208,217 Consumer (2) 272,042 325,517 Loans Held for Investment, Net of Unearned Income $ 2,733,918 $ 2,547,685 (1) Includes loans in process with outstanding balances of $ 3.2 million and $ 6.1 million for 2023 and 2022, respectively. (2) Includes overdraft balances of $ 1 .0 million and $ 1.1 million for December 31, 2023 and 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 2023 Beginning Balance $ 1,506 $ 2,654 $ 4,815 $ 10,741 $ 1,864 $ 3,488 $ 25,068 Provision for Credit Losses 210 (154) 1,035 4,141 (233) 4,596 9,595 Charge-Offs (511) - (120) (79) (39) (8,543) (9,292) Recoveries 277 2 52 253 226 3,760 4,570 Net (Charge-Offs) Recoveries (234) 2 (68) 174 187 (4,783) (4,722) Ending Balance $ 1,482 $ 2,502 $ 5,782 $ 15,056 $ 1,818 $ 3,301 $ 29,941 2022 Beginning Balance $ 2,191 $ 3,302 $ 5,810 $ 4,129 $ 2,296 $ 3,878 $ 21,606 Provision for Credit Losses 316 (658) (746) 6,328 (422) 2,579 7,397 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 $ 10,741 $ 1,864 $ 3,488 $ 25,068 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
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 2023 Commercial, Financial and Agricultural $ 311 $ 105 $ - $ 416 $ 224,463 $ 311 $ 225,190 Real Estate – Construction 206 - - 206 195,563 322 196,091 Real Estate – Commercial Mortgage 794 - - 794 823,753 909 825,456 Real Estate – Residential 670 34 - 704 1,000,525 2,990 1,004,219 Real Estate – Home Equity 268 - - 268 209,653 999 210,920 Consumer 3,693 774 - 4,467 266,864 711 272,042 Total $ 5,942 $ 913 $ - $ 6,855 $ 2,720,821 $ 6,242 $ 2,733,918 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
Schedule of Recorded Investment in Nonaccrual Loans and Loans Past Due Over 90 Days and Still on Accrual by Class of Loans | 2023 2022 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 $ - $ 311 $ - $ - $ 41 $ - Real Estate – Construction - 322 - - 17 - Real Estate – Commercial Mortgage 781 128 - 389 256 - Real Estate – Residential 1,705 1,285 - - 239 - Real Estate – Home Equity - 999 - - 771 - Consumer - 711 - - 584 - Total Nonaccrual Loans $ 2,486 $ 3,756 $ - $ 389 $ 1,908 $ -
Amortized Cost Basis of Collateral-Dependent Loans | 2023 2022 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ 30 $ - $ - Real Estate – Construction 275 - - - Real Estate – Commercial Mortgage 1,296 - 389 - Real Estate – Residential 1,706 - 160 - Real Estate – Home Equity - - 130 - Consumer - - 21 - Total $ 3,277 $ 30 $ 700 $ -
Summary of Gross 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, Agricultural: Pass $ 57,320 $ 66,671 $ 28,933 $ 10,610 $ 7,758 $ 7,502 $ 44,350 $ 223,144 Special Mention 168 608 356 10 9 - 76 1,227 Substandard 164 177 98 77 20 122 161 819 Total $ 57,652 $ 67,456 $ 29,387 $ 10,697 $ 7,787 $ 7,624 $ 44,587 $ 225,190 Current-Period Gross Writeoffs $ 6 $ 252 $ 65 $ 31 $ 41 $ 19 $ 97 $ 511 Real Estate - Construction: Pass $ 101,684 $ 68,265 $ 18,181 $ - $ 188 $ - $ 4,617 $ 192,935 Special Mention 631 500 539 212 - - - 1,882 Substandard - 47 576 651 - - - 1,274 Total $ 102,315 $ 68,812 $ 19,296 $ 863 $ 188 $ - $ 4,617 $ 196,091 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ - $ - Real Estate - Commercial Mortgage: Pass $ 117,840 $ 275,079 $ 135,663 $ 101,210 $ 43,878 $ 109,878 $ 18,367 $ 801,915 Special Mention 3,266 5,684 - 229 1,358 573 - 11,110 Substandard - 1,226 6,695 1,637 605 1,574 694 12,431 Total $ 121,106 $ 281,989 $ 142,358 $ 103,076 $ 45,841 $ 112,025 $ 19,061 $ 825,456 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ 120 $ - $ 120 Real Estate - Residential: Pass $ 372,394 $ 400,437 $ 83,108 $ 35,879 $ 24,848 $ 68,685 $ 8,252 $ 993,603 Special Mention 268 89 83 502 - 313 - 1,255 Substandard 570 1,110 1,906 1,626 1,007 3,142 - 9,361 Total $ 373,232 $ 401,636 $ 85,097 $ 38,007 $ 25,855 $ 72,140 $ 8,252 $ 1,004,219 Current-Period Gross Writeoffs $ - $ - $ 79 $ - $ - $ - $ - $ 79 Real Estate - Home Equity: Performing $ 890 $ 48 $ 127 $ 11 $ 386 $ 950 $ 207,509 $ 209,921 Nonperforming - - - - - - 999 999 Total $ 890 48 127 11 386 950 208,508 210,920 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 39 $ 39 Consumer: Performing $ 68,496 $ 90,031 $ 70,882 $ 21,314 $ 10,210 $ 4,258 $ 5,431 $ 270,622 Nonperforming 293 355 58 4 - - 710 1,420 Total $ 68,789 $ 90,386 $ 70,940 $ 21,318 $ 10,210 $ 4,258 $ 6,141 $ 272,042 Current-Period Gross Writeoffs $ 3,137 $ 3,224 $ 1,362 $ 329 $ 230 $ 99 $ 162 $ 8,543

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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 -Topic 326 -SubTopic 20 -Name Accounting Standards Codification -Section 50 -Paragraph 5 -Publisher FASB -URI https://asc.fasb.org//1943274/2147479319/326-20-50-5 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -Publisher FASB -URI https://asc.fasb.org//1943274/2147481962/310-10-50-29 + Details
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