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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2024
Loans Held for Investment and Allowance for Credit Losses [Abstract] |
Composition of the loan portfolio | (Dollars in Thousands) September 30, 2024 December 31, 2023 Commercial, Financial and Agricultural $ 194,625 $ 225,190 Real Estate – Construction 218,899 196,091 Real Estate – Commercial Mortgage 819,955 825,456 Real Estate – Residential (1) 1,023,946 1,004,219 Real Estate – Home Equity 210,988 210,920 Consumer (2) 214,683 272,042 Loans Held For Investment, Net of Unearned Income $ 2,683,096 $ 2,733,918 (1) Includes loans in process balances of $ 2.7 million and $ 3.2 million at September 30, 2024 and December 31, 2023, respectively. (2) Includes overdraft balances of $ 1.4 million and $ 1.0 million at September 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 September 30, 2024 Beginning Balance $ 1,575 $ 1,751 $ 6,076 $ 14,788 $ 1,865 $ 3,164 $ 29,219 Provision for Credit Losses 134 442 547 (240) (49) 1,045 1,879 Charge-Offs (331) - (3) - (23) (1,926) (2,283) Recoveries 176 - 5 88 59 693 1,021 Net (Charge-Offs) Recoveries (155) - 2 88 36 (1,233) (1,262) Ending Balance $ 1,554 $ 2,193 $ 6,625 $ 14,636 $ 1,852 $ 2,976 $ 29,836 Nine Months Ended September 30, 2024 Beginning Balance $ 1,482 $ 2,502 $ 5,782 $ 15,056 $ 1,818 $ 3,301 $ 29,941 Provision for Credit Losses 809 (309) 618 (551) 13 3,310 3,890 Charge-Offs (1,013) - (3) (17) (99) (5,746) (6,878) Recoveries 276 - 228 148 120 2,111 2,883 Net (Charge-Offs) Recoveries (737) - 225 131 21 (3,635) (3,995) Ending Balance $ 1,554 $ 2,193 $ 6,625 $ 14,636 $ 1,852 $ 2,976 $ 29,836 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 (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 (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
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, 2024 Commercial, Financial and Agricultural $ 669 $ 10 $ - $ 679 $ 193,816 $ 130 $ 194,625 Real Estate – Construction 2,025 - - 2,025 216,552 322 218,899 Real Estate – Commercial Mortgage 703 - - 703 818,870 382 819,955 Real Estate – Residential 1,070 389 - 1,459 1,018,892 3,595 1,023,946 Real Estate – Home Equity 629 - - 629 209,478 881 210,988 Consumer 3,697 196 - 3,893 209,508 1,282 214,683 Total $ 8,793 $ 595 $ - $ 9,388 $ 2,667,116 $ 6,592 $ 2,683,096 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 | September 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 $ - $ 130 $ - $ - $ 311 $ - Real Estate – Construction 275 47 - - 322 - Real Estate – Commercial Mortgage 229 153 - 781 128 - Real Estate – Residential 2,293 1,302 - 1,705 1,285 - Real Estate – Home Equity - 881 - - 999 - Consumer - 1,282 - - 711 - Total Nonaccrual Loans $ 2,797 $ 3,795 $ - $ 2,486 $ 3,756 $ -
Collateral-dependent loans | September 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 $ - $ 101 $ - $ 30 Real Estate – Construction 275 - 275 - Real Estate – Commercial Mortgage 229 - 1,296 - Real Estate – Residential 2,999 - 1,706 - Real Estate – Home Equity - - - - Consumer - - - - Total Collateral Dependent Loans $ 3,503 $ 101 $ 3,277 $ 30
Loans held for investment by years of origination | (Dollars in Thousands) Term Loans by Origination Year Revolving As of September 30, 2024 2024 2023 2022 2021 2020 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 28,841 $ 45,675 $ 41,999 $ 20,867 $ 6,012 $ 10,488 $ 39,124 $ 193,006 Special Mention 200 309 393 18 2 - 79 1,001 Substandard - 25 221 88 100 86 98 618 Total $ 29,041 $ 46,009 $ 42,613 $ 20,973 $ 6,114 $ 10,574 $ 39,301 $ 194,625 Current-Period Gross Writeoffs $ 8 $ 248 $ 392 $ 86 $ 124 $ - $ 155 $ 1,013 Real Estate - Construction: Pass $ 72,961 $ 101,277 $ 34,631 $ 4,129 $ - $ 185 $ 667 $ 213,850 Special Mention 3,472 - 1,255 - - - - 4,727 Substandard - - 47 275 - - - 322 Total $ 76,433 $ 101,277 $ 35,933 $ 4,404 $ - $ 185 $ 667 $ 218,899 Real Estate - Commercial Mortgage: Pass $ 60,755 $ 117,689 $ 234,557 $ 124,203 $ 90,813 $ 128,123 $ 23,897 $ 780,037 Special Mention 173 2,947 14,385 - 518 5,349 647 24,019 Substandard 5,162 2,330 3,477 755 2,526 1,649 - 15,899 Total $ 66,090 $ 122,966 $ 252,419 $ 124,958 $ 93,857 $ 135,121 $ 24,544 $ 819,955 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 3 $ 3 Real Estate - Residential: Pass $ 117,374 $ 330,178 $ 367,873 $ 72,716 $ 31,994 $ 80,541 $ 11,118 $ 1,011,794 Special Mention - 266 - 1,176 611 554 - 2,607 Substandard - 117 2,091 2,568 1,173 3,596 - 9,545 Total $ 117,374 $ 330,561 $ 369,964 $ 76,460 $ 33,778 $ 84,691 $ 11,118 $ 1,023,946 Current-Period Gross Writeoffs $ - $ 13 $ - $ - $ - $ 4 $ - $ 17 Real Estate - Home Equity: Performing $ 493 $ 527 $ 41 $ 123 $ 10 $ 840 $ 208,073 $ 210,107 Nonperforming - - - - - - 881 881 Total $ 493 $ 527 $ 41 $ 123 $ 10 $ 840 $ 208,954 $ 210,988 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 99 $ 99 Consumer: Performing $ 24,067 $ 49,898 $ 63,085 $ 48,338 $ 13,116 $ 5,851 $ 9,045 $ 213,400 Nonperforming 180 376 351 241 110 12 13 1,283 Total $ 24,247 $ 50,274 $ 63,436 $ 48,579 $ 13,226 $ 5,863 $ 9,058 $ 214,683 Current-Period Gross Writeoffs $ 1,871 $ 1,142 $ 1,690 $ 684 $ 144 $ 72 $ 143 $ 5,746 (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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