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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2024
Loans Held for Investment and Allowance for Credit Losses [Abstract] |
Composition of the loan portfolio | (Dollars in Thousands) March 31, 2024 December 31, 2023 Commercial, Financial and Agricultural $ 218,298 $ 225,190 Real Estate – Construction 202,692 196,091 Real Estate – Commercial Mortgage 823,690 825,456 Real Estate – Residential (1) 1,016,580 1,004,219 Real Estate – Home Equity 214,617 210,920 Consumer (2) 255,295 272,042 Loans Held For Investment, Net of Unearned Income $ 2,731,172 $ 2,733,918 (1) Includes loans in process balances of $ 4.4 million and $ 3.2 million at March 31, 2024 and December 31, 2023, respectively. (2) Includes overdraft balances of $ 1.1 million and $ 1.0 million at March 31, 2024 and December 31, 2023, 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 March 31, 2024 Beginning Balance $ 1,482 $ 2,502 $ 5,782 $ 15,056 $ 1,818 $ 3,301 $ 29,941 Provision for Credit Losses 284 (633) (39) (248) 130 1,388 882 Charge-Offs (282) - - (17) (76) (2,188) (2,563) Recoveries 41 - 204 37 24 763 1,069 Net (Charge-Offs) Recoveries (241) - 204 20 (52) (1,425) (1,494) Ending Balance $ 1,525 $ 1,869 $ 5,947 $ 14,828 $ 1,896 $ 3,264 $ 29,329 Three Months Ended March 31, 2023 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
Loan Portfolio Aging | 30-59 60-89 90 + Total Total Nonaccrual Total (Dollars in Thousands) DPD DPD DPD Past Due Current Loans Loans March 31, 2024 Commercial, Financial and Agricultural $ 567 $ 68 $ - $ 635 $ 217,357 $ 306 $ 218,298 Real Estate – Construction - - - - 202,370 322 202,692 Real Estate – Commercial Mortgage 879 - - 879 821,379 1,432 823,690 Real Estate – Residential 1,040 2 - 1,042 1,012,210 3,328 1,016,580 Real Estate – Home Equity 101 - - 101 213,766 750 214,617 Consumer 2,412 323 - 2,735 251,900 660 255,295 Total $ 4,999 $ 393 $ - $ 5,392 $ 2,718,982 $ 6,798 $ 2,731,172 December 31, 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
Recorded investment in nonaccrual and past due loans | March 31, 2024 December 31, 2023 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 $ - $ 306 $ - $ - $ 311 $ - Real Estate – Construction - 322 - - 322 - Real Estate – Commercial Mortgage 1,295 137 - 781 128 - Real Estate – Residential 2,102 1,226 - 1,705 1,285 - Real Estate – Home Equity 323 427 - - 999 - Consumer - 660 - - 711 - Total Nonaccrual Loans $ 3,720 $ 3,078 $ - $ 2,486 $ 3,756 $ -
Collateral-dependent loans | March 31, 2024 December 31, 2023 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ 30 $ - $ 30 Real Estate – Construction 275 - 275 - Real Estate – Commercial Mortgage 1,295 - 1,296 - Real Estate – Residential 2,102 - 1,706 - Real Estate – Home Equity 323 - - - Consumer - - - - Total Collateral Dependent Loans $ 3,995 $ 30 $ 3,277 $ 30
Loans held for investment by years of origination | (Dollars in Thousands) Term Loans by Origination Year Revolving As of March 31, 2024 2024 2023 2022 2021 2020 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 8,690 $ 54,213 $ 60,831 $ 25,989 $ 9,022 $ 13,831 $ 43,073 $ 215,649 Special Mention 224 153 542 305 9 5 698 1,936 Substandard - 158 89 73 90 142 161 713 Total $ 8,914 $ 54,524 $ 61,462 $ 26,367 $ 9,121 $ 13,978 $ 43,932 $ 218,298 Current-Period Gross Writeoffs $ - $ 16 $ 167 $ 73 $ 6 $ - $ 20 $ 282 Real Estate - Construction: Pass $ 9,733 $ 121,495 $ 52,078 $ 12,036 $ - $ 187 $ 4,833 $ 200,362 Special Mention - 668 520 290 210 - - 1,688 Substandard - - 74 568 - - - 642 Total $ 9,733 $ 122,163 $ 52,672 $ 12,894 $ 210 $ 187 $ 4,833 $ 202,692 Real Estate - Commercial Mortgage: Pass $ 17,060 $ 114,391 $ 271,591 $ 132,081 $ 98,214 $ 146,120 $ 17,344 $ 796,801 Special Mention - 5,573 5,633 - 795 1,995 - 13,996 Substandard - - 1,204 6,599 2,271 2,120 699 12,893 Total $ 17,060 $ 119,964 $ 278,428 $ 138,680 $ 101,280 $ 150,235 $ 18,043 $ 823,690 Real Estate - Residential: Pass $ 38,629 $ 358,059 $ 390,522 $ 80,624 $ 35,045 $ 95,003 $ 8,509 $ 1,006,391 Special Mention - 267 88 82 494 163 - 1,094 Substandard - - 1,512 2,526 1,028 4,029 - 9,095 Total $ 38,629 $ 358,326 $ 392,122 $ 83,232 $ 36,567 $ 99,195 $ 8,509 $ 1,016,580 Current-Period Gross Writeoffs $ - $ 13 $ - $ - $ - $ 4 $ - $ 17 Real Estate - Home Equity: Performing $ 11 $ 507 $ 47 $ 130 $ 10 $ 2,388 $ 210,775 $ 213,868 Nonperforming - - - - - - 749 749 Total $ 11 $ 507 $ 47 $ 130 $ 10 $ 2,388 $ 211,524 $ 214,617 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 76 $ 76 Consumer: Performing $ 11,402 $ 63,285 $ 80,641 $ 63,277 $ 18,244 $ 10,864 $ 6,304 $ 254,017 Nonperforming - 151 291 84 69 44 639 1,278 Total $ 11,402 $ 63,436 $ 80,932 $ 63,361 $ 18,313 $ 10,908 $ 6,943 $ 255,295 Current-Period Gross Writeoffs $ 638 $ 418 $ 697 $ 231 $ 92 $ 35 $ 77 $ 2,188 (Dollars in Thousands) Term Loans by Origination Year Revolving As of December 31, 2023 2023 2022 2021 2020 2019 Prior Loans Total Commercial, Financial, Agriculture: 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 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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