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v3.21.1

Note 6 - Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2020
Notes Tables |
Financing Receivable, Allowance for Credit Loss [Table Text Block] |
|  | Year Ended December 31, 2020 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Beginning balance |  | $ | 10,235 |  |  | $ | 6,325 |  |  | $ | 1,865 |  |  | $ | 18,425 |
Provision for loan losses charged to operations |  |  | 6,583 |  |  |  | 2,760 |  |  |  | 3,325 |  |  |  | 12,668 |
Charge-offs |  |  | (2,769 | ) |  |  | (558 | ) |  |  | (3,296 | ) |  |  | (6,623 | )
Recoveries |  |  | 612 |  |  |  | 424 |  |  |  | 676 |  |  |  | 1,712 |
Net charge-offs |  |  | (2,157 | ) |  |  | (134 | ) |  |  | (2,620 | ) |  |  | (4,911 | )
Ending balance |  | $ | 14,661 |  |  | $ | 8,951 |  |  | $ | 2,570 |  |  | $ | 26,182 |
|  | Year Ended December 31, 2019 |
(Amounts in thousands) |  | Commercial |  |  | Consumer Real Estate |  |  | Consumer and Other |  |  | Total Allowance |
Beginning balance |  | $ | 10,499 |  |  | $ | 6,732 |  |  | $ | 1,036 |  |  | $ | 18,267 |
Provision for (recovery of) loan losses charged to operations |  |  | 1,411 |  |  |  | (105 | ) |  |  | 2,265 |  |  |  | 3,571 |
Charge-offs |  |  | (2,548 | ) |  |  | (1,790 | ) |  |  | (1,923 | ) |  |  | (6,261 | )
Recoveries |  |  | 873 |  |  |  | 1,488 |  |  |  | 487 |  |  |  | 2,848 |
Net charge-offs |  |  | (1,675 | ) |  |  | (302 | ) |  |  | (1,436 | ) |  |  | (3,413 | )
Ending balance |  | $ | 10,235 |  |  | $ | 6,325 |  |  | $ | 1,865 |  |  | $ | 18,425 |
Allowance for Credit Losses and Recorded Investment in Loans by Segment and Class [Table Text Block] |
|  | December 31, 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 |  | $ | — |  |  | $ | — |  |  | $ | 43,716 |  |  | $ | 528 |
Commercial and industrial |  |  | 724 |  |  |  | — |  |  |  | 171,486 |  |  |  | 1,024 |
Multi-family residential |  |  | 695 |  |  |  | — |  |  |  | 112,852 |  |  |  | 1,417 |
Single family non-owner occupied |  |  | 1,041 |  |  |  | — |  |  |  | 183,283 |  |  |  | 1,861 |
Non-farm, non-residential |  |  | 3,916 |  |  |  | 319 |  |  |  | 714,160 |  |  |  | 9,097 |
Agricultural |  |  | — |  |  |  | — |  |  |  | 9,728 |  |  |  | 218 |
Farmland |  |  | — |  |  |  | — |  |  |  | 17,540 |  |  |  | 196 |
Total commercial loans |  |  | 6,376 |  |  |  | 319 |  |  |  | 1,252,765 |  |  |  | 14,341 |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines |  |  | — |  |  |  | — |  |  |  | 95,765 |  |  |  | 799 |
Single family owner occupied |  |  | 1,673 |  |  |  | 108 |  |  |  | 647,040 |  |  |  | 7,849 |
Owner occupied construction |  |  | — |  |  |  | — |  |  |  | 17,567 |  |  |  | 195 |
Total consumer real estate loans |  |  | 1,673 |  |  |  | 108 |  |  |  | 760,372 |  |  |  | 8,843 |
Consumer and other loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer loans |  |  | — |  |  |  | — |  |  |  | 119,770 |  |  |  | 2,570 |
Other |  |  | — |  |  |  | — |  |  |  | 6,014 |  |  |  | — |
Total consumer and other loans |  |  | — |  |  |  | — |  |  |  | 125,784 |  |  |  | 2,570 |
Total loans, excluding PCI loans |  | $ | 8,049 |  |  | $ | 427 |  |  | $ | 2,138,921 |  |  | $ | 25,754 |
|  | 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] |
|  | December 31, 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 |  |  | — |  |  |  | — |  |  |  | 4,564 |  |  |  | — |
Construction & land development |  |  | 958 |  |  |  | — |  |  |  | 1,956 |  |  |  | — |
Farmland and other agricultural |  |  | 2,242 |  |  |  | — |  |  |  | 3,722 |  |  |  | — |
Multifamily |  |  | 1,614 |  |  |  | — |  |  |  | 1,663 |  |  |  | — |
Commercial real estate-owner occupied |  |  | 16,717 |  |  |  | — |  |  |  | 13,024 |  |  |  | — |
Commercial real estate- non-owner occupied |  |  | 3,459 |  |  |  | — |  |  |  | 8,686 |  |  |  | — |
Commercial and industrial |  |  | 814 |  |  |  | — |  |  |  | 2,829 |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | 352 |  |  |  | — |
Total commercial loans |  |  | 25,804 |  |  |  | — |  |  |  | 41,167 |  |  |  | — |
Consumer real estate loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Waccamaw serviced home equity lines |  |  | — |  |  |  | — |  |  |  | 2,121 |  |  |  | — |
Waccamaw residential |  |  | — |  |  |  | — |  |  |  | 587 |  |  |  | — |
Highlands: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family, junior and HELOCS |  |  | 761 |  |  |  | — |  |  |  | 2,157 |  |  |  | — |
1-4 family, senior-consumer |  |  | 12,494 |  |  |  | — |  |  |  | 13,174 |  |  |  | — |
Consumer |  |  | 603 |  |  |  | — |  |  |  | 1,341 |  |  |  | — |
Peoples residential |  |  | — |  |  |  | — |  |  |  | 700 |  |  |  | — |
Total consumer real estate loans |  |  | 13,858 |  |  |  | — |  |  |  | 20,080 |  |  |  | — |
Total PCI loans |  | $ | 39,662 |  |  | $ | — |  |  | $ | 61,247 |  |  | $ | — |

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