Allowance for Loan Losses (Tables)

9 Months Ended

Sep. 30, 2020

Financing Receivable, Allowance for Credit Loss

The following tables detail activity in the allowance for loan losses, segregated by class of loan, for the three and nine months periods ended September 30, 2020 and September 30, 2019. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other loan categories and periodically may result in reallocation within the provision categories.


(dollars in thousands)	Construction, land and land development		Other commercial real estate		Residential real estate		Commercial, financial & agricultural		Consumer and other		Total
Three months ended September 30, 2020
Beginning Balance	$	759	$	5,711	$	1,631	$	1,913	$	275	$	10,289
Charge-offs	—		(226)		(144)		(153)		(36)		(559)
Recoveries	6		3		120		1		54		184
Provision	199		127		317		346		117		1,106
Ending balance	964		5,615		1,924		2,107		410		11,020

Nine months ended September 30, 2020
Beginning Balance	$	215	$	3,908	$	980	$	1,657	$	103	$	6,863
Charge-offs	(4)		(226)		(159)		(221)		(846)		(1,456)
Recoveries	31		29		130		21		140		351
Provision	722		1,904		973		650		1,013		5,262
Ending balance	964		5,615		1,924		2,107		410		11,020


Period end amount allocated to
Individually evaluated for impairment	—		728		74		567		—		1,369
Collectively evaluated for impairment	964		4,887		1,845		1,540		327		9,563
Purchase credit impaired	—		—		5		—		83		88
Ending Balance	964		5,615		1,924		2,107		410		11,020

Loans
Individually evaluated for impairment	7,023		16,329		2,429		614		—		26,395
Collectively evaluated for impairment	121,150		493,543		182,673		254,244		23,098		1,074,708
Purchase credit impaired	118		120		16		57		192		503
Ending balance	$	128,291	$	509,992	$	185,118	$	254,915	$	23,290	$	1,101,606


(dollars in thousands)	Construction, land and land development		Other commercial real estate		Residential real estate		Commercial, financial & agricultural		Consumer and other		Total
Three months ended September 30, 2019
Beginning Balance	$	12	$	4,430	$	845	$	1,421	$	81	$	6,789
Charge-offs	—		—		(110)		(225)		(253)		(588)
Recoveries	7		142		7		14		15		185
Provision	156		(559)		215		104		298		214
Ending balance	175		4,013		957		1,314		141		6,600
Nine months ended September 30, 2019
Beginning Balance	$	131	$	5,251	$	1,181	$	618	$	96	$	7,277
Charge-offs	(29)		(119)		(757)		(350)		(432)		(1,687)
Recoveries	61		183		166		31		45		486
Provision	12		(1,302)		367		1,015		432		524
Ending balance	175		4,013		957		1,314		141		6,600

December 31, 2019
Period end amount allocated to
Individually evaluated for impairment	—		1,939		137		1,073		—		3,149
Collectively evaluated for impairment	215		1,969		837		584		103		3,708
Purchase credit impaired	—		—		6		—		—		6
Ending Balance	215		3,908		980		1,657		103		6,863

Loans
Individually evaluated for impairment	67		18,024		3,471		2,246		—		23,808
Collectively evaluated for impairment	95,965		522,181		191,314		112,077		23,322		944,859
Purchase credit impaired	65		34		11		37		—		147
Ending Balance	$	96,097	$	540,239	$	194,796	$	114,360	$	23,322	$	968,814