Loans and Leases (Tables)

9 Months Ended

Sep. 30, 2022

Receivables [Abstract]

Summary of Major Loan and Lease Categories

Summary of Major Loan and Lease Categories

(Dollars in thousands)	At September 30, 2022		At December 31, 2021
Commercial, financial and agricultural	$	1,052,733	$	956,396
Paycheck Protection Program	2,207		31,748
Real estate-commercial	2,936,204		2,718,535
Real estate-construction	329,915		283,918
Real estate-residential secured for business purpose	443,837		409,900
Real estate-residential secured for personal purpose	685,771		540,566
Real estate-home equity secured for personal purpose	175,843		158,909
Loans to individuals	26,679		25,504
Lease financings	196,070		184,541
Total loans and leases held for investment, net of deferred income	$	5,849,259	$	5,310,017
Less: Allowance for credit losses, loans and leases	(74,929)		(71,924)
Net loans and leases held for investment	$	5,774,330	$	5,238,093
Imputed interest on lease financings, included in the above table	$	(19,714)	$	(19,104)
Net deferred costs, included in the above table	5,962		3,408
Overdraft deposits included in the above table	167		4,268

Schedule of Age Analysis of Past Due Loans and Leases

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 September 30, 2022 and December 31, 2021:

	Accruing Loans and Leases
(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current		Total Accruing Loans and Leases		Nonaccrual Loans and Leases		Total Loans and Leases Held for Investment
At September 30, 2022
Commercial, financial and agricultural	$	3,548	$	310	$	—	$	3,858	$	1,046,245	$	1,050,103	$	2,630	$	1,052,733
Paycheck Protection Program	—		10		—		10		2,197		2,207		—		2,207
Real estate—commercial real estate and construction:
Commercial real estate	1,177		—		328		1,505		2,927,172		2,928,677		7,527		2,936,204
Construction	786		—		—		786		329,129		329,915		—		329,915
Real estate—residential and home equity:
Residential secured for business purpose	861		—		—		861		441,967		442,828		1,009		443,837
Residential secured for personal purpose	323		174		—		497		683,406		683,903		1,868		685,771
Home equity secured for personal purpose	369		205		—		574		174,747		175,321		522		175,843
Loans to individuals	33		49		54		136		26,543		26,679		—		26,679
Lease financings	692		420		34		1,146		194,860		196,006		64		196,070
Total	$	7,789	$	1,168	$	416	$	9,373	$	5,826,266	$	5,835,639	$	13,620	$	5,849,259

	Accruing Loans and Leases
(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current		Total Accruing Loans and Leases		Nonaccrual Loans and Leases		Total Loans and Leases Held for Investment
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

Schedule of Nonperforming Loans and Leases

Nonperforming Loans and Leases

The following presents, by class of loans and leases, nonperforming loans and leases at September 30, 2022 and December 31, 2021.

	At September 30, 2022								At December 31, 2021
(Dollars in thousands)	Nonaccrual Loans and Leases*		Accruing Troubled Debt Restructured Loans and Lease Modifications		Loans and Leases 90 Days or more Past Due and Accruing Interest		Total Nonperforming Loans and Leases		Nonaccrual Loans and Leases*		Accruing Troubled Debt Restructured Loans and Lease Modifications		Loans and Leases 90 Days or more Past Due and Accruing Interest		Total Nonperforming Loans and Leases
Commercial, financial and agricultural	$	2,630	$	—	$	—	$	2,630	$	448	$	—	$	—	$	448
Real estate—commercial real estate and construction:
Commercial real estate	7,527		—		328		7,855		27,900		—		—		27,900
Real estate—residential and home equity:
Residential secured for business purpose	1,009		—		—		1,009		2,187		—		216		2,403
Residential secured for personal purpose	1,868		—		—		1,868		2,049		—		—		2,049
Home equity secured for personal purpose	522		50		—		572		545		51		—		596
Loans to individuals	—		—		54		54		—		—		180		180
Lease financings	64		—		34		98		81		—		102		183
Total	$	13,620	$	50	$	416	$	14,086	$	33,210	$	51	$	498	$	33,759

*Includes nonaccrual troubled debt restructured loans of $785 thousand and $758 thousand at September 30, 2022 and December 31, 2021, respectively.

Nonaccrual Loan and Lease Data

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 September 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 September 30, 2022
Commercial, financial and agricultural	$	448	$	2,182	$	2,630	$	—
Real estate-commercial	4,559		2,968		7,527		328
Real estate-residential secured for business purpose	1,009		—		1,009		—
Real estate-residential secured for personal purpose	1,868		—		1,868		—
Real estate-home equity secured for personal purpose	522		—		522		—
Loans to individuals	—		—		—		54
Lease financings	—		64		64		34
Total	$	8,406	$	5,214	$	13,620	$	416
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 nine months ended September 30, 2022, $22 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 September 30, 2022 and December 31, 2021.

(Dollars in thousands)	Real Estate		Other (1)		None (2)		Total
At September 30, 2022
Commercial, financial and agricultural	$	273	$	2,182	$	175	$	2,630
Real estate-commercial	7,527		—		—		7,527
Real estate-residential secured for business purpose	1,009		—		—		1,009
Real estate-residential secured for personal purpose	1,868		—		—		1,868
Real estate-home equity secured for personal purpose	522		—		—		522
Lease financings	—		64		—		64
Total	$	11,199	$	2,246	$	175	$	13,620
(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.

Summary of Commercial Credit Quality Indicators

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 September 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 September 30, 2022
Commercial, Financial and Agricultural
Risk Rating
1. Pass	$	162,754	$	180,554	$	52,412	$	30,664	$	38,118	$	52,369	$	481,029	$	997,900
2. Special Mention	7,988		914		2,896		8,394		57		3		27,164		47,416
3. Substandard	—		—		—		—		—		372		7,045		7,417
Total	$	170,742	$	181,468	$	55,308	$	39,058	$	38,175	$	52,744	$	515,238	$	1,052,733
Paycheck Protection Program
Risk Rating
1. Pass	$	362	$	1,845	$	—	$	—	$	—	$	—	$	—	$	2,207
2. Special Mention	—		—		—		—		—		—		—		—
3. Substandard	—		—		—		—		—		—		—		—
Total	$	362	$	1,845	$	—	$	—	$	—	$	—	$	—	$	2,207
Real Estate-Commercial
Risk Rating
1. Pass	$	646,974	$	728,560	$	761,966	$	339,223	$	124,503	$	245,060	$	54,213	$	2,900,499
2. Special Mention	883		2,491		6,970		1,018		8,620		5,214		2,683		27,879
3. Substandard	—		—		1,773		—		5,196		807		50		7,826
Total	$	647,857	$	731,051	$	770,709	$	340,241	$	138,319	$	251,081	$	56,946	$	2,936,204
Real Estate-Construction
Risk Rating
1. Pass	$	153,587	$	76,317	$	27,078	$	34,577	$	191	$	405	$	26,279	$	318,434
2. Special Mention	—		5,806		—		5,675		—		—		—		11,481
3. Substandard	—		—		—		—		—		—		—		—
Total	$	153,587	$	82,123	$	27,078	$	40,252	$	191	$	405	$	26,279	$	329,915
Real Estate-Residential Secured for Business Purpose
Risk Rating
1. Pass	$	114,459	$	130,033	$	71,518	$	40,721	$	25,894	$	30,149	$	28,855	$	441,629
2. Special Mention	—		—		249		—		—		948		—		1,197
3. Substandard	—		211		27		—		41		585		147		1,011
Total	$	114,459	$	130,244	$	71,794	$	40,721	$	25,935	$	31,682	$	29,002	$	443,837
Totals By Risk Rating
1. Pass	$	1,078,136	$	1,117,309	$	912,974	$	445,185	$	188,706	$	327,983	$	590,376	$	4,660,669
2. Special Mention	8,871		9,211		10,115		15,087		8,677		6,165		29,847		87,973
3. Substandard	—		211		1,800		—		5,237		1,764		7,242		16,254
Total	$	1,087,007	$	1,126,731	$	924,889	$	460,272	$	202,620	$	335,912	$	627,465	$	4,764,896

	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 September 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 September 30, 2022 or December 31, 2021.

Summary of Credit Exposure

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 September 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 September 30, 2022
Real Estate-Residential Secured for Personal Purpose
Payment Performance
1. Performing	$	202,952	$	212,985	$	144,901	$	26,023	$	18,458	$	78,557	$	27	$	683,903
2. Nonperforming	—		49		475		—		341		1,003		—		1,868
Total	$	202,952	$	213,034	$	145,376	$	26,023	$	18,799	$	79,560	$	27	$	685,771
Real Estate-Home Equity Secured for Personal Purpose
Payment Performance
1. Performing	$	2,476	$	689	$	557	$	199	$	270	$	1,771	$	169,309	$	175,271
2. Nonperforming	—		—		—		—		162		3		407		572
Total	$	2,476	$	689	$	557	$	199	$	432	$	1,774	$	169,716	$	175,843
Loans to Individuals
Payment Performance
1. Performing	$	1,514	$	961	$	636	$	338	$	195	$	1,455	$	21,526	$	26,625
2. Nonperforming	—		—		—		—		—		54		—		54
Total	$	1,514	$	961	$	636	$	338	$	195	$	1,509	$	21,526	$	26,679
Lease Financings
Payment Performance
1. Performing	$	64,471	$	66,735	$	37,717	$	18,102	$	7,846	$	1,101	$	—	$	195,972
2. Nonperforming	—		23		12		37		12		14		—		98
Total	$	64,471	$	66,758	$	37,729	$	18,139	$	7,858	$	1,115	$	—	$	196,070
Totals by Payment Performance
1. Performing	$	271,413	$	281,370	$	183,811	$	44,662	$	26,769	$	82,884	$	190,862	$	1,081,771
2. Nonperforming	—		72		487		37		515		1,074		407		2,592
Total	$	271,413	$	281,442	$	184,298	$	44,699	$	27,284	$	83,958	$	191,269	$	1,084,363

	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 September 30, 2022 or December 31, 2021.

Summary of Activity in the Allowance for Credit Losses, Loans and Leases

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 nine months ended September 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 nine months ended September 30, 2022.

(Dollars in thousands)	Beginning balance		Provision (reversal of provision) for credit losses		Charge-offs		Recoveries		Ending balance
Three Months Ended September 30, 2022
Allowance for credit losses, loans and leases:
Commercial, financial and agricultural	$	13,004	$	2,109	$	(310)	$	181	$	14,984
Paycheck Protection Program	—		1		—		—		1
Real estate-commercial	41,678		1,286		(999)		3		41,968
Real estate-construction	4,223		(376)		—		—		3,847
Real estate-residential secured for business purpose	6,420		433		—		2		6,855
Real estate-residential secured for personal purpose	2,937		419		—		—		3,356
Real estate-home equity secured for personal purpose	1,074		73		—		49		1,196
Loans to individuals	376		54		(79)		21		372
Lease financings	2,299		115		(70)		6		2,350
Unallocated	—		—		N/A		N/A		—
Total	$	72,011	$	4,114	$	(1,458)	$	262	$	74,929
Three Months Ended September 30, 2021
Allowance for credit losses, loans and leases:
Commercial, financial and agricultural	$	11,734	$	450	$	(787)	$	789	$	12,186
Paycheck Protection Program	3		(1)		—		—		2
Real estate-commercial	43,194		(1,809)		(72)		193		41,506
Real estate-construction	3,649		205		—		—		3,854
Real estate-residential secured for business purpose	6,747		(218)		—		2		6,531
Real estate-residential secured for personal purpose	2,620		(129)		—		—		2,491
Real estate-home equity secured for personal purpose	1,124		(49)		—		1		1,076
Loans to individuals	319		76		(59)		18		354
Lease financings	1,815		204		(34)		24		2,009
Unallocated	150		(13)		N/A		N/A		137
Total	$	71,355	$	(1,284)	$	(952)	$	1,027	$	70,146

N/A – Not applicable

(Dollars in thousands)	Beginning balance		Provision (reversal of provision) for credit losses		Charge-offs		Recoveries		Ending balance
Nine Months Ended September 30, 2022
Allowance for credit losses, loans and leases:
Commercial, financial and agricultural	$	13,536	$	1,561	$	(524)	$	411	$	14,984
Paycheck Protection Program	2		(1)		—		—		1
Real estate-commercial	41,095		3,559		(2,689)		3		41,968
Real estate-construction	4,575		(728)		—		—		3,847
Real estate-residential secured for business purpose	6,482		320		—		53		6,855
Real estate-residential secured for personal purpose	2,403		953		—		—		3,356
Real estate-home equity secured for personal purpose	1,028		130		—		38		1,196
Loans to individuals	363		125		(181)		65		372
Lease financings	2,290		223		(187)		24		2,350
Unallocated	150		(150)		N/A		N/A		—
Total	$	71,924	$	5,992	$	(3,581)	$	594	$	74,929
Nine Months Ended September 30, 2021
Allowance for credit losses, loans and leases:
Commercial, financial and agricultural	$	13,584	$	(939)	$	(1,475)	$	1,016	$	12,186
Paycheck Protection Program	—		2		—		—		2
Real estate-commercial	52,230		(10,927)		(595)		798		41,506
Real estate-construction	3,298		556		—		—		3,854
Real estate-residential secured for business purpose	7,317		(637)		(227)		78		6,531
Real estate-residential secured for personal purpose	3,055		(564)		—		—		2,491
Real estate-home equity secured for personal purpose	1,176		(125)		—		25		1,076
Loans to individuals	533		(127)		(138)		86		354
Lease financings	1,701		332		(143)		119		2,009
Unallocated	150		(13)		N/A		N/A		137
Total	$	83,044	$	(12,442)	$	(2,578)	$	2,122	$	70,146

N/A – Not applicable

Schedule of Allowance for Loan and Lease Credit Losses and Recorded Investment in Loans and Leases

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 September 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 September 30, 2022
Commercial, financial and agricultural	$	1,407	$	13,577	$	14,984	$	2,630	$	1,050,103	$	—	$	1,052,733
Paycheck Protection Program	—		1		1		—		2,207		—		2,207
Real estate-commercial	250		41,718		41,968		7,527		2,928,677		—		2,936,204
Real estate-construction	—		3,847		3,847		—		329,915		—		329,915
Real estate-residential secured for business purpose	—		6,855		6,855		1,009		442,828		—		443,837
Real estate-residential secured for personal purpose	—		3,356		3,356		1,868		683,903		—		685,771
Real estate-home equity secured for personal purpose	—		1,196		1,196		522		175,321		—		175,843
Loans to individuals	—		372		372		—		26,679		—		26,679
Lease financings	—		2,350		2,350		—		196,070		—		196,070
Unallocated	N/A		—		—		N/A		N/A		N/A		N/A
Total	$	1,657	$	73,272	$	74,929	$	13,556	$	5,835,703	$	—	$	5,849,259
At September 30, 2021
Commercial, financial and agricultural	$	—	$	12,186	$	12,186	$	933	$	926,082	$	—	$	927,015
Paycheck Protection Program	—		2		2		—		85,601		—		85,601
Real estate-commercial	15		41,491		41,506		28,296		2,641,520		82		2,669,898
Real estate-construction	—		3,854		3,854		—		260,874		—		260,874
Real estate-residential secured for business purpose	—		6,531		6,531		2,469		409,532		—		412,001
Real estate-residential secured for personal purpose	—		2,491		2,491		2,079		533,626		—		535,705
Real estate-home equity secured for personal purpose	—		1,076		1,076		721		158,308		—		159,029
Loans to individuals	—		354		354		—		26,458		—		26,458
Lease financings	—		2,009		2,009		—		175,464		—		175,464
Unallocated	N/A		137		137		N/A		N/A		N/A		N/A
Total	$	15	$	70,131	$	70,146	$	34,498	$	5,217,465	$	82	$	5,252,045

N/A – Not applicable

Schedule of Accruing and Nonaccruing Troubled Debt Restructured Loans

The following presents, by class of loans, information regarding troubled debt restructurings of accruing and nonaccrual loans.

	Three Months Ended September 30, 2022					Three Months Ended September 30, 2021
(Dollars in thousands)	Number of Loans	Pre- Restructuring Outstanding Recorded Investment		Post- Restructuring Outstanding Recorded Investment		Number of Loans	Pre- Restructuring Outstanding Recorded Investment		Post- Restructuring Outstanding Recorded Investment
Accruing Troubled Debt Restructured Loans:
Total	—	$	—	$	—	—	$	—	$	—
Nonaccrual Troubled Debt Restructured Loans:
Real estate—commercial real estate	—	$	—	$	—	3	$	200	$	198
Total	—	$	—	$	—	3	$	200	$	198

	Nine Months Ended September 30, 2022					Nine Months Ended September 30, 2021
(Dollars in thousands)	Number of Loans	Pre- Restructuring Outstanding Recorded Investment		Post- Restructuring Outstanding Recorded Investment		Number of Loans	Pre- Restructuring Outstanding Recorded Investment		Post- Restructuring Outstanding Recorded Investment
Accruing Troubled Debt Restructured Loans:
Total	—	$	—	$	—	—	$	—	$	—
Nonaccrual Troubled Debt Restructured Loans:
Real estate—commercial real estate	—	$	—	$	—	3	$	200	$	198
Real estate—residential secured for business purpose	1	$	87	$	87	—	$	—	$	—
Total	1	$	87	$	87	3	$	200	$	198

Schedule of Concessions Granted on Accruing and Nonaccrual Troubled Loans

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 nine months ended September 30, 2022 and 2021.

	Maturity Date Extension			Amortization Period Extension			Total Concessions Granted
(Dollars in thousands)	No. of Loans	Amount		No. of Loans	Amount		No. of Loans	Amount
Three Months Ended September 30, 2022
Accruing Troubled Debt Restructured Loans:
Total	—	$	—	—	$	—	—	$	—
Nonaccrual Troubled Debt Restructured Loans:
Total	—	$	—	—	$	—	—	$	—
Three Months Ended September 30, 2021
Accruing Troubled Debt Restructured Loans:
Total	—	$	—	—	$	—	—	$	—
Nonaccrual Troubled Debt Restructured Loans:
Real estate—commercial real estate	—	—		3	198		3	198
Total	—	$	—	3	$	198	3	$	198
Nine Months Ended September 30, 2022
Accruing Troubled Debt Restructured Loans:
Total	—	$	—	—	$	—	—	$	—
Nonaccrual Troubled Debt Restructured Loans:
Real estate—residential secured for business purpose	1	$	87	—	—		1	87
Total	1	$	87	—	$	—	1	$	87
Nine Months Ended September 30, 2021
Accruing Troubled Debt Restructured Loans:
Total	—	$	—	—	$	—	—	$	—
Nonaccrual Troubled Debt Restructured Loans:
Real estate—commercial real estate	—	—		3	198		3	198
Total	—	$	—	3	$	198	3	$	198

Schedule of Accruing and Nonaccruing Troubled Debt Restructured Loans With Payment Defaults

There were no accruing or nonaccrual troubled debt restructured loans for which there were payment defaults within twelve months of the restructuring date for the three and nine months ended September 30, 2022 or September 30, 2021.

Schedule of Lease Payments Receivables

The following presents the schedule of minimum lease payments receivable:

(Dollars in thousands)	At September 30, 2022		At December 31, 2021
2022 (excluding the nine months ended September 30, 2022)	$	18,994	$	67,458
2023	69,280		54,859
2024	53,866		39,019
2025	38,197		24,426
2026	23,081		11,039
Thereafter	8,257		2,951
Total future minimum lease payments receivable	211,675		199,752
Plus: Unguaranteed residual	1,372		1,186
Plus: Initial direct costs	2,737		2,707
Less: Imputed interest	(19,714)		(19,104)
Lease financings	$	196,070	$	184,541