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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2024
Loans Held for Investment and Allowance for Credit Losses [Abstract] |
Composition of the loan portfolio | (Dollars in Thousands) June 30, 2024 December 31, 2023 Commercial, Financial and Agricultural $ 204,990 $ 225,190 Real Estate – Construction 200,754 196,091 Real Estate – Commercial Mortgage 823,122 825,456 Real Estate – Residential (1) 1,014,827 1,004,219 Real Estate – Home Equity 211,126 210,920 Consumer (2) 235,404 272,042 Loans Held For Investment, Net of Unearned Income $ 2,690,223 $ 2,733,918 (1) Includes loans in process balances of $ 3.5 million and $ 3.2 million at June 30, 2024 and December 31, 2023, respectively. (2) Includes overdraft balances of $ 1.2 million and $ 1.0 million at June 30, 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 June 30, 2024 Beginning Balance $ 1,525 $ 1,869 $ 5,947 $ 14,828 $ 1,896 $ 3,264 $ 29,329 Provision for Credit Losses 391 (118) 110 (63) (68) 877 1,129 Charge-Offs (400) - - - - (1,632) (2,032) Recoveries 59 - 19 23 37 655 793 Net (Charge-Offs) Recoveries (341) - 19 23 37 (977) (1,239) Ending Balance $ 1,575 $ 1,751 $ 6,076 $ 14,788 $ 1,865 $ 3,164 $ 29,219 Six Months Ended June 30, 2024 Beginning Balance $ 1,482 $ 2,502 $ 5,782 $ 15,056 $ 1,818 $ 3,301 $ 29,941 Provision for Credit Losses 675 (751) 71 (311) 62 2,265 2,011 Charge-Offs (682) - - (17) (76) (3,820) (4,595) Recoveries 100 - 223 60 61 1,418 1,862 Net (Charge-Offs) Recoveries (582) - 223 43 (15) (2,402) (2,733) Ending Balance $ 1,575 $ 1,751 $ 6,076 $ 14,788 $ 1,865 $ 3,164 $ 29,219 Three Months Ended June 30, 2023 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 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 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 (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
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, 2024 Commercial, Financial and Agricultural $ 139 $ 124 $ - $ 263 $ 204,574 $ 153 $ 204,990 Real Estate – Construction - - - - 200,432 322 200,754 Real Estate – Commercial Mortgage 351 - - 351 822,128 643 823,122 Real Estate – Residential 855 367 - 1,222 1,010,794 2,811 1,014,827 Real Estate – Home Equity 234 - - 234 209,779 1,113 211,126 Consumer 2,816 786 - 3,602 231,329 473 235,404 Total $ 4,395 $ 1,277 $ - $ 5,672 $ 2,679,036 $ 5,515 $ 2,690,223 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 | June 30, 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 $ - $ 153 $ - $ - $ 311 $ - Real Estate – Construction 275 47 - - 322 - Real Estate – Commercial Mortgage 513 130 - 781 128 - Real Estate – Residential 2,398 413 - 1,705 1,285 - Real Estate – Home Equity 253 860 - - 999 - Consumer - 473 - - 711 - Total Nonaccrual Loans $ 3,439 $ 2,076 $ - $ 2,486 $ 3,756 $ -
Collateral-dependent loans | June 30, 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 513 - 1,296 - Real Estate – Residential 1,690 - 1,706 - Real Estate – Home Equity 253 - - - Consumer - - - - Total Collateral Dependent Loans $ 2,731 $ 30 $ 3,277 $ 30
Loans held for investment by years of origination | (Dollars in Thousands) Term Loans by Origination Year Revolving As of June 30, 2024 2024 2023 2022 2021 2020 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 18,575 $ 49,781 $ 46,330 $ 23,774 $ 7,579 $ 11,464 $ 44,117 $ 201,620 Special Mention 213 339 468 158 6 1 1,615 2,800 Substandard - 110 102 79 66 106 107 570 Total $ 18,788 $ 50,230 $ 46,900 $ 24,011 $ 7,651 $ 11,571 $ 45,839 $ 204,990 Current-Period Gross Writeoffs $ - $ 160 $ 343 $ 81 $ 28 $ - $ 70 $ 682 Real Estate - Construction: Pass $ 32,673 $ 110,069 $ 44,567 $ 5,782 $ - $ 186 $ 645 $ 193,922 Special Mention 3,201 709 335 - - - - 4,245 Substandard 68 1,979 74 465 - - 1 2,587 Total $ 35,942 $ 112,757 $ 44,976 $ 6,247 $ - $ 186 $ 646 $ 200,754 Real Estate - Commercial Mortgage: Pass $ 45,499 $ 118,169 $ 252,091 $ 129,114 $ 94,607 $ 133,921 $ 19,088 $ 792,489 Special Mention 179 5,513 5,456 - 784 5,122 - 17,054 Substandard 5,210 - 3,536 1,295 1,989 1,549 - 13,579 Total $ 50,888 $ 123,682 $ 261,083 $ 130,409 $ 97,380 $ 140,592 $ 19,088 $ 823,122 Real Estate - Residential: Pass $ 78,716 $ 345,104 $ 378,478 $ 74,703 $ 33,062 $ 84,752 $ 9,074 $ 1,003,889 Special Mention - 267 87 1,136 483 455 - 2,428 Substandard - - 1,416 2,636 1,211 3,247 - 8,510 Total $ 78,716 $ 345,371 $ 379,981 $ 78,475 $ 34,756 $ 88,454 $ 9,074 $ 1,014,827 Current-Period Gross Writeoffs $ - $ 13 $ - $ - $ - $ 4 $ - $ 17 Real Estate - Home Equity: Performing $ 171 $ 535 $ 47 $ 114 $ 10 $ 969 $ 208,167 $ 210,013 Nonperforming - - - - - - 1,113 1,113 Total $ 171 $ 535 $ 47 $ 114 $ 10 $ 969 $ 209,280 $ 211,126 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 76 $ 76 Consumer: Performing $ 18,338 $ 56,734 $ 71,927 $ 55,518 $ 15,708 $ 8,059 $ 8,174 $ 234,458 Nonperforming 80 - 236 153 - 4 473 946 Total $ 18,418 $ 56,734 $ 72,163 $ 55,671 $ 15,708 $ 8,063 $ 8,647 $ 235,404 Current-Period Gross Writeoffs $ 1,237 $ 752 $ 1,166 $ 351 $ 134 $ 66 $ 114 $ 3,820 (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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