Loans and Leases | Loans and Leases Summary of Major Loan and Lease Categories (Dollars in thousands) At June 30, 2022 At December 31, 2021 Commercial, financial and agricultural $ 1,028,354 $ 956,396 Paycheck Protection Program 5,358 31,748 Real estate-commercial 2,870,286 2,718,535 Real estate-construction 319,449 283,918 Real estate-residential secured for business purpose 419,652 409,900 Real estate-residential secured for personal purpose 629,144 540,566 Real estate-home equity secured for personal purpose 168,536 158,909 Loans to individuals 27,061 25,504 Lease financings 193,937 184,541 Total loans and leases held for investment, net of deferred income $ 5,661,777 $ 5,310,017 Less: Allowance for credit losses, loans and leases (72,011) (71,924) Net loans and leases held for investment $ 5,589,766 $ 5,238,093 Imputed interest on lease financings, included in the above table $ (19,650) $ (19,104) Net deferred costs, included in the above table 5,597 3,408 Overdraft deposits included in the above table 190 4,268 Age Analysis of Past Due Loans and Leases The following presents, by class of loans and leases held for investment, an aging of past due loans and leases, loans and leases which are current and nonaccrual loans and leases at June 30, 2022 and December 31, 2021: Accruing Loans and Leases (Dollars in thousands) 30-59 60-89 90 Days Total Current Total Accruing Loans and Leases Nonaccrual Loans and Leases Total Loans At June 30, 2022 Commercial, financial and agricultural $ 1,446 $ 226 $ — $ 1,672 $ 1,026,234 $ 1,027,906 $ 448 $ 1,028,354 Paycheck Protection Program 472 — — 472 4,886 5,358 — 5,358 Real estate—commercial real estate and construction: Commercial real estate 658 2,000 2,561 5,219 2,855,930 2,861,149 9,137 2,870,286 Construction — — — — 319,449 319,449 — 319,449 Real estate—residential and home equity: Residential secured for business purpose 1,096 355 — 1,451 417,240 418,691 961 419,652 Residential secured for personal purpose 843 — — 843 626,099 626,942 2,202 629,144 Home equity secured for personal purpose 296 — 39 335 167,807 168,142 394 168,536 Loans to individuals 79 40 90 209 26,852 27,061 — 27,061 Lease financings 163 40 94 297 193,427 193,724 213 193,937 Total $ 5,053 $ 2,661 $ 2,784 $ 10,498 $ 5,637,924 $ 5,648,422 $ 13,355 $ 5,661,777 Accruing Loans and Leases (Dollars in thousands) 30-59 60-89 90 Days Total Current Total Accruing Loans and Leases Nonaccrual Loans and Leases Total Loans At December 31, 2021 Commercial, financial and agricultural $ 3,407 $ 894 $ — $ 4,301 $ 951,647 $ 955,948 $ 448 $ 956,396 Paycheck Protection Program 367 — — 367 31,381 31,748 — 31,748 Real estate—commercial real estate and construction: Commercial real estate 234 — — 234 2,690,401 2,690,635 27,900 2,718,535 Construction — — — — 283,918 283,918 — 283,918 Real estate—residential and home equity: Residential secured for business purpose 542 — 216 758 406,955 407,713 2,187 409,900 Residential secured for personal purpose 2,976 162 — 3,138 535,379 538,517 2,049 540,566 Home equity secured for personal purpose 646 129 — 775 157,589 158,364 545 158,909 Loans to individuals 90 27 180 297 25,207 25,504 — 25,504 Lease financings 774 397 102 1,273 183,187 184,460 81 184,541 Total $ 9,036 $ 1,609 $ 498 $ 11,143 $ 5,265,664 $ 5,276,807 $ 33,210 $ 5,310,017 Nonperforming Loans and Leases The following presents, by class of loans and leases, nonperforming loans and leases at June 30, 2022 and December 31, 2021. At June 30, 2022 At December 31, 2021 (Dollars in thousands) Nonaccrual Accruing Loans and Total Nonperforming Nonaccrual Accruing Loans and Total Nonperforming Commercial, financial and agricultural $ 448 $ — $ — $ 448 $ 448 $ — $ — $ 448 Real estate—commercial real estate and construction: Commercial real estate 9,137 — 2,561 11,698 27,900 — — 27,900 Real estate—residential and home equity: Residential secured for business purpose 961 — — 961 2,187 — 216 2,403 Residential secured for personal purpose 2,202 — — 2,202 2,049 — — 2,049 Home equity secured for personal purpose 394 50 39 483 545 51 — 596 Loans to individuals — — 90 90 — — 180 180 Lease financings 213 — 94 307 81 — 102 183 Total $ 13,355 $ 50 $ 2,784 $ 16,189 $ 33,210 $ 51 $ 498 $ 33,759 * Includes nonaccrual troubled debt restructured loans of $808 thousand and $758 thousand at June 30, 2022 and December 31, 2021, respectively. The following table presents the amortized cost basis of loans and leases held for investment on nonaccrual status and loans and leases held for investment 90 days or more past due and still accruing as of June 30, 2022 and December 31, 2021. (Dollars in thousands) Nonaccrual With No ACL Nonaccrual With ACL Total Nonaccrual Loans and Leases 90 Days or more Past Due and Accruing Interest At June 30, 2022 Commercial, financial and agricultural $ 448 $ — $ 448 $ — Real estate-commercial 5,638 3,499 9,137 2,561 Real estate-residential secured for business purpose 961 — 961 — Real estate-residential secured for personal purpose 2,202 — 2,202 — Real estate-home equity secured for personal purpose 394 — 394 39 Loans to individuals — — — 90 Lease financings — 213 213 94 Total $ 9,643 $ 3,712 $ 13,355 $ 2,784 At December 31, 2021 Commercial, financial and agricultural $ 448 $ — $ 448 $ — Real estate-commercial 27,818 82 27,900 — Real estate-residential secured for business purpose 2,187 — 2,187 216 Real estate-residential secured for personal purpose 2,049 — 2,049 — Real estate-home equity secured for personal purpose 545 — 545 — Loans to individuals — — — 180 Lease financings — 81 81 102 Total $ 33,047 $ 163 $ 33,210 $ 498 For the six months ended June 30, 2022, $23 thousand of interest income was recognized on nonaccrual loans and leases. The following table presents, by class of loans and leases, the amortized cost basis of collateral-dependent nonaccrual loans and leases and type of collateral as of June 30, 2022 and December 31, 2021. (Dollars in thousands) Real Estate Other (1) None (2) Total At June 30, 2022 Commercial, financial and agricultural $ 273 $ — $ 175 $ 448 Real estate-commercial 9,137 — — 9,137 Real estate-residential secured for business purpose 961 — — 961 Real estate-residential secured for personal purpose 2,202 — — 2,202 Real estate-home equity secured for personal purpose 394 — — 394 Lease financings — 213 — 213 Total $ 12,967 $ 213 $ 175 $ 13,355 (Dollars in thousands) Real Estate Other (1) None (2) Total At December 31, 2021 Commercial, financial and agricultural $ 273 $ — $ 175 $ 448 Real estate-commercial 27,900 — — 27,900 Real estate-residential secured for business purpose 2,187 — — 2,187 Real estate-residential secured for personal purpose 2,049 — — 2,049 Real estate-home equity secured for personal purpose 545 — — 545 Lease financings — 81 — 81 Total $ 32,954 $ 81 $ 175 $ 33,210 (1) Collateral consists of business assets, including accounts receivable, personal property and equipment. (2) Loans fully guaranteed by the SBA. Credit Quality Indicators The Corporation categorizes risk based on relevant information about the ability of the borrower to service their debt. Loans with a relationship balance of less than $1 million are reviewed when necessary based on their performance, primarily when such loans are delinquent. Loans with relationships greater than $1 million are reviewed at least annually. Loan relationships with a higher risk profile or classified as special mention or substandard are reviewed at least quarterly. The Corporation reviews credit quality key risk indicators on at least an annual basis and last completed this review in conjunction with the period ended December 31, 2021. The following is a description of the internal risk ratings and the likelihood of loss related to the credit quality of Commercial, financial and agricultural loans, Paycheck Protection Program loans, Real estate-commercial loans, Real estate-construction loans and Real estate-residential secured for a business purpose loans. 1. Pass—Loans considered satisfactory with no indications of deterioration 2. Special Mention—Potential weakness that deserves management's close attention 3. Substandard—Well-defined weakness or weaknesses that jeopardize the liquidation of the debt 4. Doubtful—Collection or liquidation in-full, on the basis of current existing facts, conditions and values, highly questionable and improbable Based on the most recent analysis performed, the following table presents the recorded investment in loans and leases held for investment for commercial, financial and agricultural loans, Paycheck Protection Program loans, real estate-commercial loans, real estate-construction loans and real estate-residential secured for a business purpose loans by credit quality indicator at June 30, 2022 and December 31, 2021. Term Loans Amortized Cost Basis by Origination Year (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Loans Amortized Cost Basis Total At June 30, 2022 Commercial, Financial and Agricultural Risk Rating 1. Pass $ 114,553 $ 187,158 $ 59,200 $ 33,100 $ 39,711 $ 60,763 $ 478,196 $ 972,681 2. Special Mention 8,103 2,155 3,086 8,568 87 34 28,577 50,610 3. Substandard — — — — — 200 4,863 5,063 Total $ 122,656 $ 189,313 $ 62,286 $ 41,668 $ 39,798 $ 60,997 $ 511,636 $ 1,028,354 Paycheck Protection Program Risk Rating 1. Pass $ 323 $ 5,035 $ — $ — $ — $ — $ — $ 5,358 2. Special Mention — — — — — — — — 3. Substandard — — — — — — — — Total $ 323 $ 5,035 $ — $ — $ — $ — $ — $ 5,358 Real Estate-Commercial Risk Rating 1. Pass $ 460,020 $ 736,374 $ 812,237 $ 345,087 $ 138,842 $ 280,762 $ 45,067 $ 2,818,389 2. Special Mention 898 2,517 7,093 16,082 8,672 5,290 1,902 42,454 3. Substandard — — 1,785 3,499 3,331 828 — 9,443 Total $ 460,918 $ 738,891 $ 821,115 $ 364,668 $ 150,845 $ 286,880 $ 46,969 $ 2,870,286 Real Estate-Construction Risk Rating 1. Pass $ 79,406 $ 105,607 $ 31,266 $ 35,893 $ — $ 273 $ 14,918 $ 267,363 2. Special Mention — 26,062 500 5,524 20,000 — — 52,086 3. Substandard — — — — — — — — Total $ 79,406 $ 131,669 $ 31,766 $ 41,417 $ 20,000 $ 273 $ 14,918 $ 319,449 Real Estate-Residential Secured for Business Purpose Risk Rating 1. Pass $ 69,306 $ 135,554 $ 75,191 $ 42,810 $ 28,404 $ 37,346 $ 28,873 $ 417,484 2. Special Mention — — 251 — — 954 — 1,205 3. Substandard — — 27 — 43 744 149 963 Total $ 69,306 $ 135,554 $ 75,469 $ 42,810 $ 28,447 $ 39,044 $ 29,022 $ 419,652 Totals By Risk Rating 1. Pass $ 723,608 $ 1,169,728 $ 977,894 $ 456,890 $ 206,957 $ 379,144 $ 567,054 $ 4,481,275 2. Special Mention 9,001 30,734 10,930 30,174 28,759 6,278 30,479 146,355 3. Substandard — — 1,812 3,499 3,374 1,772 5,012 15,469 Total $ 732,609 $ 1,200,462 $ 990,636 $ 490,563 $ 239,090 $ 387,194 $ 602,545 $ 4,643,099 Term Loans Amortized Cost Basis by Origination Year (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Loans Amortized Cost Basis Total At December 31, 2021 Commercial, Financial and Agricultural Risk Rating 1. Pass $ 215,197 $ 79,739 $ 69,618 $ 52,507 $ 23,253 $ 49,827 $ 442,288 $ 932,429 2. Special Mention 1,001 3,459 2,389 394 428 1,231 10,162 19,064 3. Substandard — — — — 16 200 4,687 4,903 Total $ 216,198 $ 83,198 $ 72,007 $ 52,901 $ 23,697 $ 51,258 $ 457,137 $ 956,396 Paycheck Protection Program Risk Rating 1. Pass $ 31,554 $ 194 $ — $ — $ — $ — $ — $ 31,748 2. Special Mention — — — — — — — — 3. Substandard — — — — — — — — Total $ 31,554 $ 194 $ — $ — $ — $ — $ — $ 31,748 Real Estate-Commercial Risk Rating 1. Pass $ 802,878 $ 858,426 $ 407,944 $ 155,892 $ 195,756 $ 172,702 $ 48,354 $ 2,641,952 2. Special Mention 2,567 14,338 23,134 — 916 5,630 98 46,683 3. Substandard — 22,055 3,405 1,995 1,110 1,335 — 29,900 Total $ 805,445 $ 894,819 $ 434,483 $ 157,887 $ 197,782 $ 179,667 $ 48,452 $ 2,718,535 Real Estate-Construction Risk Rating 1. Pass $ 137,622 $ 59,952 $ 38,592 $ 9,995 $ 198 $ — $ 8,543 $ 254,902 2. Special Mention 4,684 500 3,832 20,000 — — — 29,016 3. Substandard — — — — — — — — Total $ 142,306 $ 60,452 $ 42,424 $ 29,995 $ 198 $ — $ 8,543 $ 283,918 Real Estate-Residential Secured for Business Purpose Risk Rating 1. Pass $ 154,423 $ 84,982 $ 51,970 $ 34,373 $ 28,852 $ 25,819 $ 25,564 $ 405,983 2. Special Mention 210 352 — — 73 1,093 — 1,728 3. Substandard — — — 45 24 1,549 571 2,189 Total $ 154,633 $ 85,334 $ 51,970 $ 34,418 $ 28,949 $ 28,461 $ 26,135 $ 409,900 Totals By Risk Rating 1. Pass $ 1,341,674 $ 1,083,293 $ 568,124 $ 252,767 $ 248,059 $ 248,348 $ 524,749 $ 4,267,014 2. Special Mention 8,462 18,649 29,355 20,394 1,417 7,954 10,260 96,491 3. Substandard — 22,055 3,405 2,040 1,150 3,084 5,258 36,992 Total $ 1,350,136 $ 1,123,997 $ 600,884 $ 275,201 $ 250,626 $ 259,386 $ 540,267 $ 4,400,497 The Corporation had no revolving loans which were converted to term loans included within recorded investment in loans and leases held for investment at June 30, 2022 or December 31, 2021. The Corporation had no loans with a risk rating of Doubtful included within recorded investment in loans and leases held for investment at June 30, 2022 or December 31, 2021. The Corporation monitors the credit risk profile by payment activity for the following classifications of loans and leases: real estate-residential secured for personal purpose loans, real estate-home equity secured for personal purpose loans, loans to individuals and Lease financings. The Corporation reviews credit quality indicators on at least an annual basis and last completed this review in conjunction with the period ended December 31, 2021. Loans and leases past due 90 days or more, loans and leases on nonaccrual status and troubled debt restructured loans and lease modifications are considered nonperforming. Nonperforming loans and leases are reviewed monthly. Performing loans and leases are reviewed only if the loan becomes 60 days or more past due. Based on the most recent analysis performed, the following table presents the recorded investment in loans and leases held for investment for real estate-residential secured for personal purpose loans, real estate-home equity secured for personal purpose loans, loans to individuals and Lease financings by credit quality indicator at June 30, 2022 and December 31, 2021. Term Loans Amortized Cost Basis by Origination Year (Dollars in thousands) 2022 2021 2020 2019 2018 Prior Revolving Loans Amortized Cost Basis Total At June 30, 2022 Real Estate-Residential Secured for Personal Purpose Payment Performance 1. Performing $ 132,388 $ 213,125 $ 150,423 $ 27,132 $ 20,179 $ 83,667 $ 28 $ 626,942 2. Nonperforming — 51 605 — 341 1,205 — 2,202 Total $ 132,388 $ 213,176 $ 151,028 $ 27,132 $ 20,520 $ 84,872 $ 28 $ 629,144 Real Estate-Home Equity Secured for Personal Purpose Payment Performance 1. Performing $ 1,599 $ 836 $ 635 $ 231 $ 295 $ 1,893 $ 162,564 $ 168,053 2. Nonperforming — — — — 169 6 308 483 Total $ 1,599 $ 836 $ 635 $ 231 $ 464 $ 1,899 $ 162,872 $ 168,536 Loans to Individuals Payment Performance 1. Performing $ 893 $ 1,053 $ 711 $ 441 $ 268 $ 1,509 $ 22,096 $ 26,971 2. Nonperforming — — — — — 66 24 90 Total $ 893 $ 1,053 $ 711 $ 441 $ 268 $ 1,575 $ 22,120 $ 27,061 Lease Financings Payment Performance 1. Performing $ 43,387 $ 72,852 $ 42,810 $ 22,122 $ 10,567 $ 1,892 $ — $ 193,630 2. Nonperforming 13 188 38 21 26 21 — 307 Total $ 43,400 $ 73,040 $ 42,848 $ 22,143 $ 10,593 $ 1,913 $ — $ 193,937 Totals by Payment Performance 1. Performing $ 178,267 $ 287,866 $ 194,579 $ 49,926 $ 31,309 $ 88,961 $ 184,688 $ 1,015,596 2. Nonperforming 13 239 643 21 536 1,298 332 3,082 Total $ 178,280 $ 288,105 $ 195,222 $ 49,947 $ 31,845 $ 90,259 $ 185,020 $ 1,018,678 Term Loans Amortized Cost Basis by Origination Year (Dollars in thousands) 2021 2020 2019 2018 2017 Prior Revolving Loans Amortized Cost Basis Total At December 31, 2021 Real Estate-Residential Secured for Personal Purpose Payment Performance 1. Performing $ 219,680 $ 162,609 $ 34,102 $ 23,065 $ 19,912 $ 78,960 $ 189 $ 538,517 2. Nonperforming 53 634 — 371 — 991 — 2,049 Total $ 219,733 $ 163,243 $ 34,102 $ 23,436 $ 19,912 $ 79,951 $ 189 $ 540,566 Real Estate-Home Equity Secured for Personal Purpose Payment Performance 1. Performing $ 961 $ 876 $ 370 $ 415 $ 704 $ 1,655 $ 153,332 $ 158,313 2. Nonperforming — — — 173 — 60 363 596 Total $ 961 $ 876 $ 370 $ 588 $ 704 $ 1,715 $ 153,695 $ 158,909 Loans to Individuals Payment Performance 1. Performing $ 1,376 $ 893 $ 722 $ 466 $ 100 $ 1,673 $ 20,094 $ 25,324 2. Nonperforming — — — — — 180 — 180 Total $ 1,376 $ 893 $ 722 $ 466 $ 100 $ 1,853 $ 20,094 $ 25,504 Lease Financings Payment Performance 1. Performing $ 83,161 $ 51,808 $ 28,405 $ 16,389 $ 4,204 $ 391 $ — $ 184,358 2. Nonperforming — 14 64 58 7 40 — 183 Total $ 83,161 $ 51,822 $ 28,469 $ 16,447 $ 4,211 $ 431 $ — $ 184,541 Totals by Payment Performance 1. Performing $ 305,178 $ 216,186 $ 63,599 $ 40,335 $ 24,920 $ 82,679 $ 173,615 $ 906,512 2. Nonperforming 53 648 64 602 7 1,271 363 3,008 Total $ 305,231 $ 216,834 $ 63,663 $ 40,937 $ 24,927 $ 83,950 $ 173,978 $ 909,520 The Corporation had no revolving loans which were converted to term loans included within recorded investment in loans and leases held for investment at June 30, 2022 or December 31, 2021. Allowance for Credit Losses on Loans and Leases and Recorded Investment in Loans and Leases The following presents, by portfolio segment, a summary of the activity in the allowance for credit losses, loans and leases, for the three and six months ended June 30, 2022 and 2021. There were no changes to the reasonable and supportable forecast period, the reversion period, or any significant methodology changes during the three and six months ended June 30, 2022. (Dollars in thousands) Beginning balance Provision (reversal of provision) for credit losses Charge-offs Recoveries Ending balance Three Months Ended June 30, 2022 Allowance for credit losses, loans and leases: Commercial, financial and agricultural $ 11,840 $ 1,123 $ — $ 41 $ 13,004 Paycheck Protection Program 1 (1) — — — Real estate-commercial 40,426 2,942 (1,690) — 41,678 Real estate-construction 3,634 589 — — 4,223 Real estate-residential secured for business purpose 6,202 215 — 3 6,420 Real estate-residential secured for personal purpose 2,592 345 — — 2,937 Real estate-home equity secured for personal purpose 976 110 — (12) 1,074 Loans to individuals 369 14 (27) 20 376 Lease financings 2,246 103 (58) 8 2,299 Unallocated — — N/A N/A — Total $ 68,286 $ 5,440 $ (1,775) $ 60 $ 72,011 Three Months Ended June 30, 2021 Allowance for credit losses, loans and leases: Commercial, financial and agricultural $ 10,233 $ 1,689 $ (350) $ 162 $ 11,734 Paycheck Protection Program — 3 — — 3 Real estate-commercial 45,459 (2,347) (523) 605 43,194 Real estate-construction 2,799 850 — — 3,649 Real estate-residential secured for business purpose 6,692 260 (227) 22 6,747 Real estate-residential secured for personal purpose 3,056 (436) — — 2,620 Real estate-home equity secured for personal purpose 1,257 (155) — 22 1,124 Loans to individuals 447 (145) (23) 40 319 Lease financings 1,404 382 (18) 47 1,815 Unallocated 150 — N/A N/A 150 Total $ 71,497 $ 101 $ (1,141) $ 898 $ 71,355 N /A – Not applicable (Dollars in thousands) Beginning balance (Reversal of provision) provision for credit losses Charge-offs Recoveries Ending balance Six Months Ended June 30, 2022 Allowance for credit losses, loans and leases: Commercial, financial and agricultural $ 13,536 $ (548) $ (214) $ 230 $ 13,004 Paycheck Protection Program 2 (2) — — — Real estate-commercial 41,095 2,273 (1,690) — 41,678 Real estate-construction 4,575 (352) — — 4,223 Real estate-residential secured for business purpose 6,482 (113) — 51 6,420 Real estate-residential secured for personal purpose 2,403 534 — — 2,937 Real estate-home equity secured for personal purpose 1,028 57 — (11) 1,074 Loans to individuals 363 71 (102) 44 376 Lease financings 2,290 108 (117) 18 2,299 Unallocated 150 (150) N/A N/A — Total $ 71,924 $ 1,878 $ (2,123) $ 332 $ 72,011 Six Months Ended June 30, 2021 Allowance for credit losses, loans and leases: Commercial, financial and agricultural $ 13,584 $ (1,389) $ (688) $ 227 $ 11,734 Paycheck Protection Program — 3 — — 3 Real estate-commercial 52,230 (9,118) (523) 605 43,194 Real estate-construction 3,298 351 — — 3,649 Real estate-residential secured for business purpose 7,317 (419) (227) 76 6,747 Real estate-residential secured for personal purpose 3,055 (435) — — 2,620 Real estate-home equity secured for personal purpose 1,176 (76) — 24 1,124 Loans to individuals 533 (203) (79) 68 319 Lease financings 1,701 128 (109) 95 1,815 Unallocated 150 — N/A N/A 150 Total $ 83,044 $ (11,158) $ (1,626) $ 1,095 $ 71,355 The following presents, by portfolio segment, the balance in the ACL on loans and leases, disaggregated on the basis of whether the loan or lease was measured for credit loss as a pooled loan or lease or if it was individually analyzed for a reserve at June 30, 2022 and 2021: Allowance for credit losses, loans and leases Loans and leases held for investment (Dollars in thousands) Ending balance: individually analyzed Ending balance: pooled Total ending balance Ending balance: individually analyzed Ending balance: pooled Loans measured at fair value Total ending balance At June 30, 2022 Commercial, financial and agricultural $ — $ 13,004 $ 13,004 $ 448 $ 1,027,906 $ — $ 1,028,354 Paycheck Protection Program — — — — 5,358 — 5,358 Real estate-commercial 1,089 40,589 41,678 9,137 2,861,149 — 2,870,286 Real estate-construction — 4,223 4,223 — 319,449 — 319,449 Real estate-residential secured for business purpose — 6,420 6,420 961 418,691 — 419,652 Real estate-residential secured for personal purpose — 2,937 2,937 2,202 626,942 — 629,144 Real estate-home equity secured for personal purpose — 1,074 1,074 394 168,142 — 168,536 Loans to individuals — 376 376 — 27,061 — 27,061 Lease financings — 2,299 2,299 — 193,937 — 193,937 Unallocated N/A — — N/A N/A N/A N/A Total $ 1,089 $ 70,922 $ 72,011 $ 13,142 $ 5,648,635 $ — $ 5,661,777 At June 30, 2021 Commercial, financial and agricultural $ 333 $ 11,401 $ 11,734 $ 1,246 $ 919,375 $ — $ 920,621 Paycheck Protection Program — 3 3 — 252,849 — 252,849 Real estate-commercial — 43,194 43,194 26,264 2,574,537 118 2,600,919 Real estate-construction — 3,649 3,649 — 274,529 — 274,529 Real estate-residential secured for business purpose — 6,747 6,747 3,045 404,619 — 407,664 Real estate-residential secured for personal purpose 23 2,597 2,620 2,160 511,170 — 513,330 Real estate-home equity secured for personal purpose — 1,124 1,124 783 159,235 — 160,018 Loans to individuals — 319 319 — 25,845 — 25,845 Lease financings — 1,815 1,815 — 171,538 — 171,538 Unallocated N/A 150 150 N/A N/A N/A N/A Total $ 356 $ 70,999 $ 71,355 $ 33,498 $ 5,293,697 $ 118 $ 5,327,313 N/A – Not applicable Troubled Debt Restructured Loans The following presents, by class of loans, information regarding troubled debt restructurings of accruing and nonaccrual loans. Three Months Ended June 30, 2022 Three Months Ended June 30, 2021 (Dollars in thousands) Number Pre- Post- Number Pre- Post- Accruing Troubled Debt Restructured Loans: Total — $ — $ — — $ — $ — Nonaccrual Troubled Debt Restructured Loans: Total — $ — $ — — $ — $ — Six Months Ended June 30, 2022 Six Months Ended June 30, 2021 (Dollars in thousands) Number Pre- Post- Number Pre- Post- Accruing Troubled Debt Restructured Loans: Total — $ — $ — — $ — $ — Nonaccrual Troubled Debt Restructured Loans: Real estate—residential secured for business purpose 1 $ 87 $ 87 — $ — $ — Total 1 $ 87 $ 87 — $ — $ — The following presents, by class of loans, information regarding the types of concessions granted on accruing and nonaccrual loans that were restructured during the three and six months ended June 30, 2022 and 2021. Maturity Date (Dollars in thousands) No. of Amount Three Months Ended June 30, 2022 Accruing Troubled Debt Restructured Loans: Total — $ — Nonaccrual Troubled Debt Restructured Loans: Total — $ — Three Months Ended June 30, 2021 Accruing Troubled Debt Restructured Loans: Total — $ — Nonaccrual Troubled Debt Restructured Loans: Total — $ — Six Months Ended June 30, 2022 Accruing Troubled Debt Restructured Loans: Total — $ — Nonaccrual Troubled Debt Restructured Loans: Real estate—residential secured for business purpose 1 $ 87 Total 1 $ 87 Six Months Ended June 30, 2021 Accruing Troubled Debt Restructured Loans: Total — $ — Nonaccrual Troubled Debt Restructured Loans: Total — $ — The following presents, by class of loans, information regarding accruing and nonaccrual troubled debt restructured loans, for which there were payment defaults within twelve months of the restructuring date: Three Months Ended June 30, Six Months Ended June 30, 2022 2021 2022 2021 (Dollars in thousands) Number Recorded Number Recorded Number Recorded Number Recorded Accruing Troubled Debt Restructured Loans: Total — $ — — $ — — $ — — $ — Nonaccrual Troubled Debt Restructured Loans: Real estate—residential secured for personal purpose — — 1 530 — — 1 530 Total — $ — 1 $ 530 — $ — 1 $ 530 There were no consumer mortgages collateralized by residential real estate property that were in the process of foreclosure at June 30, 2022 or December 31, 2021. There was no foreclosed residential real estate property included in other real estate owned at June 30, 2022 or December 31, 2021. Lease Financings The following presents the schedule of minimum lease payments receivable: (Dollars in thousands) At June 30, 2022 At December 31, 2021 2022 (excluding the six months ended June 30, 2022) $ 36,890 $ 67,458 2023 64,915 54,859 2024 48,891 39,019 2025 33,307 24,426 2026 18,964 11,039 Thereafter 6,467 2,951 Total future minimum lease payments receivable 209,434 199,752 Plus: Unguaranteed residual 1,344 1,186 Plus: Initial direct costs 2,809 2,707 Less: Imputed interest (19,650) (19,104) Lease financings $ 193,937 $ 184,541 |