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v3.20.2

Note 6 - Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2020
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Three Months Ended June 30, 2020 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 12,075 |  |  | $ | 7,519 |  |  | $ | 1,543 |  |  | $ | 21,137 |
Provision for (recovery of) loan losses charged to operations |  |  | 2,618 |  |  |  | (221 | ) |  |  | 1,434 |  |  |  | 3,831 |
Charge-offs |  |  | (878 | ) |  |  | (179 | ) |  |  | (615 | ) |  |  | (1,672 | )
Recoveries |  |  | 94 |  |  |  | 175 |  |  |  | 193 |  |  |  | 462 |
Net charge-offs |  |  | (784 | ) |  |  | (4 | ) |  |  | (422 | ) |  |  | (1,210 | )
Ending balance |  | $ | 13,909 |  |  | $ | 7,294 |  |  | $ | 2,555 |  |  | $ | 23,758 |
|  | Three Months Ended June 30, 2019 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,065 |  |  | $ | 6,856 |  |  | $ | 1,322 |  |  | $ | 18,243 |
Provision for (Recovery of) loan losses charged to operations |  |  | 1,263 |  |  |  | (68 | ) |  |  | 390 |  |  |  | 1,585 |
Charge-offs |  |  | (1,514 | ) |  |  | (191 | ) |  |  | (409 | ) |  |  | (2,114 | )
Recoveries |  |  | 402 |  |  |  | 284 |  |  |  | 140 |  |  |  | 826 |
Net (charge-offs) recoveries |  |  | (1,112 | ) |  |  | 93 |  |  |  | (269 | ) |  |  | (1,288 | )
Ending balance |  | $ | 10,216 |  |  | $ | 6,881 |  |  | $ | 1,443 |  |  | $ | 18,540 |
|  | Six Months Ended June 30, 2020 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,235 |  |  | $ | 6,325 |  |  | $ | 1,865 |  |  | $ | 18,425 |
Provision for loan losses charged to operations |  |  | 4,605 |  |  |  | 924 |  |  |  | 1,802 |  |  |  | 7,331 |
Charge-offs |  |  | (1,146 | ) |  |  | (242 | ) |  |  | (1,478 | ) |  |  | (2,866 | )
Recoveries |  |  | 215 |  |  |  | 287 |  |  |  | 366 |  |  |  | 868 |
Net (charge-offs) recoveries |  |  | (931 | ) |  |  | 45 |  |  |  | (1,112 | ) |  |  | (1,998 | )
Ending balance |  | $ | 13,909 |  |  | $ | 7,294 |  |  | $ | 2,555 |  |  | $ | 23,758 |
|  | Six Months Ended June 30, 2019 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,499 |  |  | $ | 6,732 |  |  | $ | 1,036 |  |  | $ | 18,267 |
Provision for loan losses charged to operations |  |  | 1,157 |  |  |  | 749 |  |  |  | 899 |  |  |  | 2,805 |
Charge-offs |  |  | (2,006 | ) |  |  | (950 | ) |  |  | (780 | ) |  |  | (3,736 | )
Recoveries |  |  | 566 |  |  |  | 350 |  |  |  | 288 |  |  |  | 1,204 |
Net (charge-offs) recoveries |  |  | (1,440 | ) |  |  | (600 | ) |  |  | (492 | ) |  |  | (2,532 | )
Ending balance |  | $ | 10,216 |  |  | $ | 6,881 |  |  | $ | 1,443 |  |  | $ | 18,540 |
Allowance for Credit Losses and Recorded Investment in Loans by Segment and Class [Table Text Block] |
|  | June 30, 2020 |
(Amounts in thousands) |  | Loans Individually Evaluated for Impairment |  |  | Allowance for Loans Individually Evaluated |  |  | Loans Collectively Evaluated for Impairment |  |  | Allowance for Loans Collectively Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | - |  |  | $ | - |  |  | $ | 50,846 |  |  | $ | 695 |
Commercial and industrial |  |  | 896 |  |  |  | - |  |  |  | 180,981 |  |  |  | 934 |
Multi-family residential |  |  | 944 |  |  |  | 279 |  |  |  | 103,189 |  |  |  | 1,162 |
Single family non-owner occupied |  |  | 530 |  |  |  | - |  |  |  | 181,314 |  |  |  | 1,706 |
Non-farm, non-residential |  |  | 3,803 |  |  |  | 684 |  |  |  | 700,242 |  |  |  | 8,020 |
Agricultural |  |  | - |  |  |  | - |  |  |  | 10,380 |  |  |  | 206 |
Farmland |  |  | - |  |  |  | - |  |  |  | 20,303 |  |  |  | 225 |
Total commercial loans |  |  | 6,173 |  |  |  | 963 |  |  |  | 1,247,255 |  |  |  | 12,948 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | - |  |  |  | - |  |  |  | 106,825 |  |  |  | 752 |
Single family owner occupied |  |  | 2,981 |  |  |  | 370 |  |  |  | 591,999 |  |  |  | 6,033 |
Owner occupied construction |  |  | - |  |  |  | - |  |  |  | 15,311 |  |  |  | 139 |
Total consumer real estate loans |  |  | 2,981 |  |  |  | 370 |  |  |  | 714,135 |  |  |  | 6,924 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | - |  |  |  | - |  |  |  | 113,603 |  |  |  | 2,553 |
Other |  |  | - |  |  |  | - |  |  |  | 4,477 |  |  |  | - |
Total consumer and other loans |  |  | - |  |  |  | - |  |  |  | 118,080 |  |  |  | 2,553 |
Total loans, excluding PCI loans |  | $ | 9,154 |  |  | $ | 1,333 |  |  | $ | 2,079,470 |  |  | $ | 22,425 |
|  | December 31, 2019 |
(Amounts in thousands) |  | Loans Individually Evaluated for Impairment |  |  | Allowance for Loans Individually Evaluated |  |  | Loans Collectively Evaluated for Impairment |  |  | Allowance for Loans Collectively Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | - |  |  | $ | - |  |  | $ | 30,334 |  |  | $ | 245 |
Commercial and industrial |  |  | - |  |  |  | - |  |  |  | 95,659 |  |  |  | 699 |
Multi-family residential |  |  | 944 |  |  |  | - |  |  |  | 98,201 |  |  |  | 969 |
Single family non-owner occupied |  |  | - |  |  |  | - |  |  |  | 128,520 |  |  |  | 1,323 |
Non-farm, non-residential |  |  | 2,575 |  |  |  | 292 |  |  |  | 591,520 |  |  |  | 6,361 |
Agricultural |  |  | - |  |  |  | - |  |  |  | 9,458 |  |  |  | 145 |
Farmland |  |  | - |  |  |  | - |  |  |  | 16,146 |  |  |  | 201 |
Total commercial loans |  |  | 3,519 |  |  |  | 292 |  |  |  | 969,838 |  |  |  | 9,943 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | - |  |  |  | - |  |  |  | 91,999 |  |  |  | 673 |
Single family owner occupied |  |  | 3,016 |  |  |  | 353 |  |  |  | 490,712 |  |  |  | 5,175 |
Owner occupied construction |  |  | - |  |  |  | - |  |  |  | 16,144 |  |  |  | 124 |
Total consumer real estate loans |  |  | 3,016 |  |  |  | 353 |  |  |  | 598,855 |  |  |  | 5,972 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | - |  |  |  | - |  |  |  | 99,199 |  |  |  | 1,865 |
Other |  |  | - |  |  |  | - |  |  |  | 4,742 |  |  |  | - |
Total consumer and other loans |  |  | - |  |  |  | - |  |  |  | 103,941 |  |  |  | 1,865 |
Total loans, excluding PCI loans |  | $ | 6,535 |  |  | $ | 645 |  |  | $ | 1,672,634 |  |  | $ | 17,780 |
Schedule of Information Related to Purchased Credit Impaired Loans [Table Text Block] |
|  | June 30, 2020 |  |  | December 31, 2019 |
(Amounts in thousands) |  | Recorded Investment |  |  | Allowance for Loan Pools With Impairment |  |  | Recorded Investment |  |  | Allowance for Loan Pools With Impairment |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Peoples commercial |  |  | - |  |  |  | - |  |  |  | 4,371 |  |  |  | - |
Highlands: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family, senior-commercial |  |  | 6,736 |  |  |  | - |  |  |  | 4,564 |  |  |  | - |
Construction & land development |  |  | 1,766 |  |  |  | - |  |  |  | 1,956 |  |  |  | - |
Farmland and other agricultural |  |  | 3,386 |  |  |  | - |  |  |  | 3,722 |  |  |  | - |
Multifamily |  |  | 1,635 |  |  |  | - |  |  |  | 1,663 |  |  |  | - |
Commercial real estate |  |  | 19,056 |  |  |  | - |  |  |  | 21,710 |  |  |  | - |
Commercial and industrial |  |  | 2,421 |  |  |  | - |  |  |  | 2,829 |  |  |  | - |
Other |  |  | - |  |  |  | - |  |  |  | 352 |  |  |  | - |
Total commercial loans |  |  | 35,000 |  |  |  | - |  |  |  | 41,167 |  |  |  | - |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw serviced home equity lines |  |  | - |  |  |  | - |  |  |  | 2,121 |  |  |  | - |
Waccamaw residential |  |  | - |  |  |  | - |  |  |  | 587 |  |  |  | - |
Highlands: |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
1-4 family, junior and HELOCS |  |  | 1,253 |  |  |  | - |  |  |  | 2,157 |  |  |  | - |
1-4 family, senior-consumer |  |  | 10,992 |  |  |  | - |  |  |  | 13,174 |  |  |  | - |
Consumer |  |  | 948 |  |  |  | - |  |  |  | 1,341 |  |  |  | - |
Peoples residential |  |  | - |  |  |  | - |  |  |  | 700 |  |  |  | - |
Total consumer real estate loans |  |  | 13,193 |  |  |  | - |  |  |  | 20,080 |  |  |  | - |
Total PCI loans |  | $ | 48,193 |  |  | $ | - |  |  | $ | 61,247 |  |  | $ | - |

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