Loans

Schedule of past due status of loans


	30-59		60-89		90+								90+ Days
	Days		Days		Days		Total						Past Due and
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		Current¹		Total Loans		Accruing
Commercial real estate	$	614	$	—	$	424	$	1,038	$	644,429	$	645,467	$	160
Commercial business		52		30		—		82		118,559		118,641		—
Construction - commercial real estate		—		—		—		—		62,994		62,994		—
Land acquisition and development		—		—		—		—		28,400		28,400		—
Builder lines		—		—		—		—		30,787		30,787		—
Construction - consumer real estate		282		—		—		282		11,764		12,046		—
Residential mortgage		633		71		280		984		289,341		290,325		280
Equity lines		268		9		51		328		47,699		48,027		—
Other consumer		—		—		—		—		9,867		9,867		—
Consumer finance - automobiles		12,233		2,121		831		15,185		387,969		403,154		—
Consumer finance - marine and recreational vehicles		301		—		80		381		67,640		68,021		—
Total	$	14,383	$	2,231	$	1,666	$	18,280	$	1,699,449	$	1,717,729	$	440

1

For the purposes of the table above, “Current” includes loans that are 1-29 days past due.


															90+ Days
	30 - 59 Days		60 - 89 Days		90+ Days		Total								Past Due and
(Dollars in thousands)	Past Due		Past Due		Past Due		Past Due		PCI		Current¹		Total Loans		Accruing
Residential mortgage	$	1,649	$	452	$	20	$	2,121	$	300	$	263,846	$	266,267	$	—
Real estate – construction:
Construction - commercial real estate		—		—		—		—		—		49,136		49,136		—
Construction - consumer real estate		—		—		—		—		—		10,539		10,539		—
Commercial, financial and agricultural:
Commercial real estate		—		—		—		—		1,114		591,187		592,301		—
Land acquisition and development		—		—		—		—		—		37,537		37,537		—
Builder lines		—		—		—		—		—		34,538		34,538		—
Commercial business		—		1		—		1		—		118,604		118,605		—
Equity lines		—		39		—		39		15		43,246		43,300		—
Other consumer		9		—		191		200		26		8,712		8,938		191
Consumer finance:
Automobiles		10,557		1,570		842		12,969		—		398,143		411,112		—
Marine and recreational vehicles		114		35		83		232		—		63,213		63,445		—
Total	$	12,329	$	2,097	$	1,136	$	15,562	$	1,455	$	1,618,701	$	1,635,718	$	191

1For the purposes of the table above, “Current” includes loans that are 1-29 days past due.

Summary of amortized cost basis of loans that were both experiencing financial difficulty and modified

Three Months Ended September 30, 2023

Nine Months Ended September 30, 2023

% of Total

Class of

Amortized

Financing

Amortized

Financing

(Dollars in thousands)

Cost

Receivable

Cost

Receivable

Term Extension

Commercial real estate

$

969

0.2

%

$

969

0.2

%

Residential mortgage

71

0.0

71

0.0

Total Term Extension

$

1,040

$

1,040

Combination Term Extension and Interest Rate Reduction

Commercial real estate

—

45

0.0

Total Combination Term Extension and Interest Rate Reduction

$

—

$

45

Total

$

1,040

0.1

%

$

1,085

0.1

%

Three Months Ended September 30, 2023

Nine Months Ended September 30, 2023

Weighted-

Average

Interest Rate

Term Extension

Interest Rate

Term Extension

(Dollars in thousands)

Reduction

(in years)

Reduction

(in years)

Commercial real estate

—

%

2.0

0.75

%

2.1

Residential mortgage

—

10.0

—

10.0

Total

—

%

2.5

0.75

%

2.6

Summary of change in the accretable yield of loans classified as purchased credit impaired (PCI)


		Nine Months Ended
(Dollars in thousands)	September 30, 2022
Accretable yield, balance at beginning of period	$	3,111
Accretion		(1,270)
Reclassification of nonaccretable difference due to improvement in expected cash flows		1,603
Other changes, net		178
Accretable yield, balance at end of period	$	3,622