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LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES (Tables) | 3 Months Ended
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Mar. 31, 2025
Loans Held for Investment and Allowance for Credit Losses [Abstract] |
Composition of the Loan Portfolio | (Dollars in Thousands) March 31, 2025 December 31, 2024 Commercial, Financial and Agricultural $ 184,393 $ 189,208 Real Estate – Construction 192,282 219,994 Real Estate – Commercial Mortgage 806,942 779,095 Real Estate – Residential (1) 1,043,821 1,042,504 Real Estate – Home Equity 225,987 220,064 Consumer (2) 207,345 200,685 Loans Held For Investment, Net of Unearned Income $ 2,660,770 $ 2,651,550 (1) Includes loans in process balances of $ 3.4 million and $ 13.6 million at March 31, 2025 and December 31, 2024, respectively. (2) Includes overdraft balances of $ 1.2 million at March 31, 2025 and December 31, 2024.
Activity in Allowance for Credit Losses | 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, 2025 Beginning Balance $ 1,514 $ 2,384 $ 5,867 $ 14,568 $ 1,952 $ 2,966 $ 29,251 Provision for Credit Losses 47 (151) 191 206 68 722 1,083 Charge-Offs (168) - - (8) - (1,435) (1,611) Recoveries 75 - 3 119 9 805 1,011 Net (Charge-Offs) Recoveries (93) - 3 111 9 (630) (600) Ending Balance $ 1,468 $ 2,233 $ 6,061 $ 14,885 $ 2,029 $ 3,058 $ 29,734 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
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, 2025 Commercial, Financial and Agricultural $ 129 $ - $ - $ 129 $ 184,147 $ 117 $ 184,393 Real Estate – Construction - - - - 192,282 - 192,282 Real Estate – Commercial Mortgage 498 - - 498 806,025 419 806,942 Real Estate – Residential 970 72 - 1,042 1,041,262 1,517 1,043,821 Real Estate – Home Equity 57 - - 57 224,380 1,550 225,987 Consumer 1,807 202 - 2,009 204,643 693 207,345 Total $ 3,461 $ 274 $ - $ 3,735 $ 2,652,739 $ 4,296 $ 2,660,770 December 31, 2024 Commercial, Financial and Agricultural $ 340 $ 50 $ - $ 390 $ 188,781 $ 37 $ 189,208 Real Estate – Construction - - - - 219,994 - 219,994 Real Estate – Commercial Mortgage 719 100 - 819 777,710 566 779,095 Real Estate – Residential 185 498 - 683 1,038,694 3,127 1,042,504 Real Estate – Home Equity 122 - - 122 218,160 1,782 220,064 Consumer 2,154 143 - 2,297 197,598 790 200,685 Total $ 3,520 $ 791 $ - $ 4,311 $ 2,640,937 $ 6,302 $ 2,651,550
Recorded Investment in Nonaccrual and Past Due Loans | March 31, 2025 December 31, 2024 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 $ 117 $ - $ - $ - $ 37 $ - Real Estate – Construction - - - - - - Real Estate – Commercial Mortgage - 419 - 427 139 - Real Estate – Residential 233 1,284 - 2,046 1,081 - Real Estate – Home Equity 876 674 - 509 1,273 - Consumer 693 - - - 790 - Total Nonaccrual Loans $ 1,919 $ 2,377 $ - $ 2,982 $ 3,320 $ -
Collateral-Dependent Loans | March 31, 2025 December 31, 2024 Real Estate Non Real Estate Real Estate Non Real Estate (Dollars in Thousands) Secured Secured Secured Secured Commercial, Financial and Agricultural $ - $ 1,210 $ - $ 39 Real Estate – Construction - - - - Real Estate – Commercial Mortgage 798 - 427 - Real Estate – Residential 1,343 - 2,476 - Real Estate – Home Equity 1,066 - 651 - Consumer - 53 - 55 Total Collateral Dependent Loans $ 3,207 $ 1,263 $ 3,554 $ 94
Loans Held for Investment by Years of Origination | (Dollars in Thousands) Term Loans by Origination Year Revolving As of March 31, 2025 2025 2024 2023 2022 2021 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 11,393 $ 32,913 $ 32,235 $ 32,129 $ 16,688 $ 12,860 $ 40,665 $ 178,883 Special Mention - 406 3,321 142 - - 75 3,944 Substandard - - 117 64 - 110 1,275 1,566 Total $ 11,393 $ 33,319 $ 35,673 $ 32,335 $ 16,688 $ 12,970 $ 42,015 $ 184,393 Current-Period Gross Writeoffs $ - $ - $ 10 $ 146 $ 12 $ - $ - $ 168 Real Estate - Construction: Pass $ 9,257 $ 110,350 $ 37,419 $ 19,453 $ 53 $ - $ 11,276 $ 187,808 Special Mention - 1,735 1,698 1,041 - - - 4,474 Total $ 9,257 $ 112,085 $ 39,117 $ 20,494 $ 53 $ - $ 11,276 $ 192,282 Real Estate - Commercial Mortgage: Pass $ 9,874 $ 93,831 $ 116,893 $ 206,672 $ 105,667 $ 202,456 $ 31,364 $ 766,757 Special Mention 3,264 168 2,878 18,479 1,129 5,401 - 31,319 Substandard 402 - 240 3,693 863 3,099 569 8,866 Total $ 13,540 $ 93,999 $ 120,011 $ 228,844 $ 107,659 $ 210,956 $ 31,933 $ 806,942 Real Estate - Residential: Pass $ 47,248 $ 147,708 $ 308,378 $ 349,357 $ 66,735 $ 104,458 $ 10,623 $ 1,034,507 Special Mention - - 292 - 1,084 324 479 2,179 Substandard - - 420 1,936 1,606 3,004 169 7,135 Total $ 47,248 $ 147,708 $ 309,090 $ 351,293 $ 69,425 $ 107,786 $ 11,271 $ 1,043,821 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ 8 $ - $ 8 Real Estate - Home Equity: Performing $ 1,103 $ 11 $ 508 $ 29 $ 119 $ 632 $ 222,035 $ 224,437 Nonperforming - - - - - - 1,550 1,550 Total $ 1,103 $ 11 $ 508 $ 29 $ 119 $ 632 $ 223,585 $ 225,987 Consumer: Performing $ 29,040 $ 31,122 $ 40,601 $ 48,672 $ 36,122 $ 11,677 $ 9,418 $ 206,652 Nonperforming - 36 211 271 128 47 - 693 Total $ 29,040 $ 31,158 $ 40,812 $ 48,943 $ 36,250 $ 11,724 $ 9,418 $ 207,345 Current-Period Gross Writeoffs $ 570 $ 11 $ 281 $ 413 $ 121 $ 23 $ 16 $ 1,435 (Dollars in Thousands) Term Loans by Origination Year Revolving As of December 31, 2024 2024 2023 2022 2021 2020 Prior Loans Total Commercial, Financial, Agriculture: Pass $ 35,596 $ 36,435 $ 37,506 $ 18,433 $ 4,610 $ 9,743 $ 41,720 $ 184,043 Special Mention 435 3,979 261 9 - - 76 4,760 Substandard - - 193 12 58 71 71 405 Total $ 36,031 $ 40,414 $ 37,960 $ 18,454 $ 4,668 $ 9,814 $ 41,867 $ 189,208 Current-Period Gross Writeoffs $ 9 $ 548 $ 500 $ 111 $ 160 $ 1 $ 183 $ 1,512 Real Estate - Construction: Pass $ 105,148 $ 73,615 $ 29,821 $ 53 $ - $ 185 $ 8,288 $ 217,110 Special Mention 1,555 - 1,329 - - - - 2,884 Total $ 106,703 $ 73,615 $ 31,150 $ 53 $ - $ 185 $ 8,288 $ 219,994 Current-Period Gross Writeoffs $ - $ - $ 47 $ - $ - $ - $ - $ 47 Real Estate - Commercial Mortgage: Pass $ 77,561 $ 110,183 $ 207,574 $ 109,863 $ 87,369 $ 122,272 $ 26,324 $ 741,146 Special Mention 171 2,913 17,031 - 2,253 4,402 530 27,300 Substandard - 2,463 3,403 869 2,508 1,305 101 10,649 Total $ 77,732 $ 115,559 $ 228,008 $ 110,732 $ 92,130 $ 127,979 $ 26,955 $ 779,095 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 3 $ 3 Real Estate - Residential: Pass $ 165,050 $ 316,521 $ 358,851 $ 71,423 $ 31,169 $ 76,921 $ 11,872 $ 1,031,807 Special Mention - 265 - 1,104 468 534 521 2,892 Substandard - 528 1,450 1,446 1,295 2,918 168 7,805 Total $ 165,050 $ 317,314 $ 360,301 $ 73,973 $ 32,932 $ 80,373 $ 12,561 $ 1,042,504 Current-Period Gross Writeoffs $ - $ 13 $ - $ - $ - $ 48 $ - $ 61 Real Estate - Home Equity: Performing $ 801 $ 521 $ 30 $ 119 $ 9 $ 821 $ 215,981 $ 218,282 Nonperforming - - - - - - 1,782 1,782 Total $ 801 $ 521 $ 30 $ 119 $ 9 $ 821 $ 217,763 $ 220,064 Current-Period Gross Writeoffs $ - $ - $ - $ - $ - $ - $ 132 $ 132 Consumer: Performing $ 32,293 $ 44,995 $ 55,942 $ 42,002 $ 10,899 $ 4,116 $ 9,648 $ 199,895 Nonperforming 10 174 321 156 58 71 - 790 Total $ 32,303 $ 45,169 $ 56,263 $ 42,158 $ 10,957 $ 4,187 $ 9,648 $ 200,685 Current-Period Gross Writeoffs $ 2,562 $ 1,605 $ 2,088 $ 897 $ 237 $ 76 $ 162 $ 7,627

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