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v3.20.2

Note 6 - Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2020
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Three Months Ended September 30, 2020 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 13,909 |  |  | $ | 7,294 |  |  | $ | 2,555 |  |  | $ | 23,758 |
Provision for (recovery of) loan losses charged to operations |  |  | 1,972 |  |  |  | 1,975 |  |  |  | 756 |  |  |  | 4,703 |
Charge-offs |  |  | (501 | ) |  |  | (188 | ) |  |  | (874 | ) |  |  | (1,563 | )
Recoveries |  |  | 169 |  |  |  | 38 |  |  |  | 172 |  |  |  | 379 |
Net charge-offs |  |  | (332 | ) |  |  | (150 | ) |  |  | (702 | ) |  |  | (1,184 | )
Ending balance |  | $ | 15,549 |  |  | $ | 9,119 |  |  | $ | 2,609 |  |  | $ | 27,277 |
|  | Three Months Ended September 30, 2019 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,215 |  |  | $ | 6,881 |  |  | $ | 1,444 |  |  | $ | 18,540 |
Provision for (Recovery of) loan losses charged to operations |  |  | 203 |  |  |  | (338 | ) |  |  | 810 |  |  |  | 675 |
Charge-offs |  |  | (159 | ) |  |  | (253 | ) |  |  | (552 | ) |  |  | (964 | )
Recoveries |  |  | 40 |  |  |  | 96 |  |  |  | 106 |  |  |  | 242 |
Net (charge-offs) recoveries |  |  | (119 | ) |  |  | (157 | ) |  |  | (446 | ) |  |  | (722 | )
Ending balance |  | $ | 10,299 |  |  | $ | 6,386 |  |  | $ | 1,808 |  |  | $ | 18,493 |
|  | Nine Months Ended September 30, 2020 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,235 |  |  | $ | 6,325 |  |  | $ | 1,865 |  |  | $ | 18,425 |
Provision for loan losses charged to operations |  |  | 6,577 |  |  |  | 2,899 |  |  |  | 2,558 |  |  |  | 12,034 |
Charge-offs |  |  | (1,647 | ) |  |  | (430 | ) |  |  | (2,352 | ) |  |  | (4,429 | )
Recoveries |  |  | 384 |  |  |  | 325 |  |  |  | 538 |  |  |  | 1,247 |
Net (charge-offs) recoveries |  |  | (1,263 | ) |  |  | (105 | ) |  |  | (1,814 | ) |  |  | (3,182 | )
Ending balance |  | $ | 15,549 |  |  | $ | 9,119 |  |  | $ | 2,609 |  |  | $ | 27,277 |
|  | Nine Months Ended September 30, 2019 |
|  |  |  |  |  | Consumer Real |  |  | Consumer and |  |  | Total |
(Amounts in thousands) |  | Commercial |  |  | Estate |  |  | Other |  |  | Allowance |
Total allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,499 |  |  | $ | 6,732 |  |  | $ | 1,036 |  |  | $ | 18,267 |
Provision for loan losses charged to operations |  |  | 1,359 |  |  |  | 411 |  |  |  | 1,710 |  |  |  | 3,480 |
Charge-offs |  |  | (2,165 | ) |  |  | (1,203 | ) |  |  | (1,332 | ) |  |  | (4,700 | )
Recoveries |  |  | 606 |  |  |  | 446 |  |  |  | 394 |  |  |  | 1,446 |
Net (charge-offs) recoveries |  |  | (1,559 | ) |  |  | (757 | ) |  |  | (938 | ) |  |  | (3,254 | )
Ending balance |  | $ | 10,299 |  |  | $ | 6,386 |  |  | $ | 1,808 |  |  | $ | 18,493 |
Allowance for Credit Losses and Recorded Investment in Loans by Segment and Class [Table Text Block] |
|  | September 30, 2020 |
|  | Loans Individually |  |  | Allowance for Loans |  |  | Loans Collectively |  |  | Allowance for Loans |
|  | Evaluated for |  |  | Individually |  |  | Evaluated for |  |  | Collectively |
(Amounts in thousands) |  | Impairment |  |  | Evaluated |  |  | Impairment |  |  | Evaluated |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction, development, and other land |  | $ | - |  |  | $ | - |  |  | $ | 45,517 |  |  | $ | 630 |
Commercial and industrial |  |  | 767 |  |  |  | - |  |  |  | 177,396 |  |  |  | 1,102 |
Multi-family residential |  |  | 944 |  |  |  | 222 |  |  |  | 103,087 |  |  |  | 1,299 |
Single family non-owner occupied |  |  | 1,054 |  |  |  | - |  |  |  | 183,088 |  |  |  | 1,974 |
Non-farm, non-residential |  |  | 3,774 |  |  |  | 565 |  |  |  | 726,741 |  |  |  | 9,360 |
Agricultural |  |  | - |  |  |  | - |  |  |  | 10,341 |  |  |  | 174 |
Farmland |  |  | - |  |  |  | - |  |  |  | 19,940 |  |  |  | 225 |
Total commercial loans |  |  | 6,539 |  |  |  | 787 |  |  |  | 1,266,110 |  |  |  | 14,764 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | - |  |  |  | - |  |  |  | 101,276 |  |  |  | 871 |
Single family owner occupied |  |  | 2,259 |  |  |  | 239 |  |  |  | 634,021 |  |  |  | 7,815 |
Owner occupied construction |  |  | - |  |  |  | - |  |  |  | 17,460 |  |  |  | 194 |
Total consumer real estate loans |  |  | 2,259 |  |  |  | 239 |  |  |  | 752,757 |  |  |  | 8,880 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | - |  |  |  | - |  |  |  | 117,965 |  |  |  | 2,607 |
Other |  |  | - |  |  |  | - |  |  |  | 5,838 |  |  |  | - |
Total consumer and other loans |  |  | - |  |  |  | - |  |  |  | 123,803 |  |  |  | 2,607 |
Total loans, excluding PCI loans |  | $ | 8,798 |  |  | $ | 1,026 |  |  | $ | 2,142,670 |  |  | $ | 26,251 |
|  | December 31, 2019 |
|  | Loans Individually |  |  | Allowance for Loans |  |  | Loans Collectively |  |  | Allowance for Loans |
|  | Evaluated for |  |  | Individually |  |  | Evaluated for |  |  | Collectively |
(Amounts in thousands) |  | Impairment |  |  | Evaluated |  |  | Impairment |  |  | 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] |
|  | September 30, 2020 |  |  | December 31, 2019 |
|  |  |  |  |  | Allowance for Loan |  |  |  |  |  |  | Allowance for Loan |
|  | Recorded |  |  | Pools With |  |  | Recorded |  |  | Pools With |
(Amounts in thousands) |  | Investment |  |  | Impairment |  |  | Investment |  |  | Impairment |
Commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw commercial |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |
Peoples commercial |  |  | - |  |  |  | - |  |  |  | 4,371 |  |  |  | - |
Highlands: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family, senior-commercial |  |  | 5,311 |  |  |  | - |  |  |  | 4,564 |  |  |  | - |
Construction & land development |  |  | 1,295 |  |  |  | - |  |  |  | 1,956 |  |  |  | - |
Farmland and other agricultural |  |  | 3,054 |  |  |  | - |  |  |  | 3,722 |  |  |  | - |
Multifamily |  |  | 1,616 |  |  |  | - |  |  |  | 1,663 |  |  |  | - |
Commercial real estate |  |  | 18,300 |  |  |  | - |  |  |  | 21,710 |  |  |  | - |
Commercial and industrial |  |  | 1,551 |  |  |  | - |  |  |  | 2,829 |  |  |  | - |
Other |  |  | - |  |  |  | - |  |  |  | 352 |  |  |  | - |
Total commercial loans |  |  | 31,127 |  |  |  | - |  |  |  | 41,167 |  |  |  | - |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw serviced home equity lines |  |  | - |  |  |  | - |  |  |  | 2,121 |  |  |  | - |
Waccamaw residential |  |  | - |  |  |  | - |  |  |  | 587 |  |  |  | - |
Highlands: |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
1-4 family, junior and HELOCS |  |  | 859 |  |  |  | - |  |  |  | 2,157 |  |  |  | - |
1-4 family, senior-consumer |  |  | 10,768 |  |  |  | - |  |  |  | 13,174 |  |  |  | - |
Consumer |  |  | 773 |  |  |  | - |  |  |  | 1,341 |  |  |  | - |
Peoples residential |  |  | - |  |  |  | - |  |  |  | 700 |  |  |  | - |
Total consumer real estate loans |  |  | 12,400 |  |  |  | - |  |  |  | 20,080 |  |  |  | - |
Total PCI loans |  | $ | 43,527 |  |  | $ | - |  |  | $ | 61,247 |  |  | $ | - |

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