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Loans and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2021

Loans and Leases Receivable Disclosure [Abstract]

The following table provides outstanding balances related to each of our loan types:


	September 30, 2021		December 31, 2020

	(dollars in thousands)
Commercial, financial, agricultural and other	$	1,224,591	$	1,555,986
Time and demand	1,210,694		1,541,382
Commercial credit cards	13,897		14,604
Real estate construction	424,016		427,221
Residential real estate	1,875,375		1,750,592
Residential first lien	1,254,142		1,144,323
Residential junior lien/home equity	621,233		606,269
Commercial real estate	2,231,890		2,211,569
Multifamily	405,720		371,239
Nonowner occupied	1,442,845		1,421,151
Owner occupied	383,325		419,179
Loans to individuals	976,708		815,815
Automobile	886,367		712,800
Consumer credit cards	10,617		12,360
Consumer other	79,724		90,655
Total loans	$	6,732,580	$	6,761,183

Credit Risk Profile by Creditworthiness

The following tables represent our credit risk profile by creditworthiness:


	September 30, 2021
			Non-Pass
	Pass		OAEM		Substandard		Doubtful		Loss		Total Non-Pass		Total
	(dollars in thousands)
Commercial, financial, agricultural and other	$	1,185,987	$	12,318	$	26,286	$	—	$	—	$	38,604	$	1,224,591
Time and demand	1,172,090		12,318		26,286		—		—		38,604		1,210,694
Commercial credit cards	13,897		—		—		—		—		—		13,897
Real estate construction	422,668		1,294		54		—		—		1,348		424,016
Residential real estate	1,867,190		1,516		6,669		—		—		8,185		1,875,375
Residential first lien	1,249,248		1,444		3,450		—		—		4,894		1,254,142
Residential junior lien/home equity	617,942		72		3,219		—		—		3,291		621,233
Commercial real estate	2,084,476		121,883		25,531		—		—		147,414		2,231,890
Multifamily	390,579		14,635		506		—		—		15,141		405,720
Nonowner occupied	1,323,095		99,917		19,833		—		—		119,750		1,442,845
Owner occupied	370,802		7,331		5,192		—		—		12,523		383,325
Loans to individuals	976,468		—		240		—		—		240		976,708
Automobile	886,183		—		184		—		—		184		886,367
Consumer credit cards	10,617		—		—		—		—		—		10,617
Consumer other	79,668		—		56		—		—		56		79,724
Total loans	$	6,536,789	$	137,011	$	58,780	$	—	$	—	$	195,791	$	6,732,580


	December 31, 2020
			Non-Pass
	Pass		OAEM		Substandard		Doubtful		Loss		Total Non-Pass		Total
	(dollars in thousands)
Commercial, financial, agricultural and other	$	1,491,916	$	48,233	$	15,837	$	—	$	—	$	64,070	$	1,555,986
Time and demand	1,477,312		48,233		15,837		—		—		64,070		1,541,382
Commercial credit cards	14,604		—		—		—		—		—		14,604
Real estate construction	426,663		504		54		—		—		558		427,221
Residential real estate	1,740,992		1,902		7,698		—		—		9,600		1,750,592
Residential first lien	1,138,409		1,780		4,134		—		—		5,914		1,144,323
Residential junior lien/home equity	602,583		122		3,564		—		—		3,686		606,269
Commercial real estate	1,983,258		175,995		52,316		—		—		228,311		2,211,569
Multifamily	369,883		131		1,225		—		—		1,356		371,239
Nonowner occupied	1,216,252		161,336		43,563		—		—		204,899		1,421,151
Owner occupied	397,123		14,528		7,528		—		—		22,056		419,179
Loans to individuals	815,541		—		274		—		—		274		815,815
Automobile	712,539		—		261		—		—		261		712,800
Consumer credit cards	12,360		—		—		—		—		—		12,360
Consumer other	90,642		—		13		—		—		13		90,655
Total loans	$	6,458,370	$	226,634	$	76,179	$	—	$	—	$	302,813	$	6,761,183

Credit Risk Profile Vintage by Creditworthiness

The following table summarizes the loan risk rating category by loan type including term loans on an amortized cost basis by origination year:


	September 30, 2021
	Term Loans												Revolving Loans
	2021		2020		2019		2018		2017		Prior				Total
	(dollars in thousands)
Time and demand	$	305,101	$	127,699	$	145,265	$	100,018	$	54,657	$	118,361	$	359,593	$	1,210,694
Pass	305,081		127,623		126,211		99,050		51,866		109,244		353,015		1,172,090
OAEM	—		75		1,173		816		67		7,323		2,864		12,318
Substandard	20		1		17,881		152		2,724		1,794		3,714		26,286
Commercial credit cards	—		—		—		—		—		—		13,897		13,897
Pass	—		—		—		—		—		—		13,897		13,897


Real estate construction	109,671		145,193		118,290		48,963		455		936		508		424,016
Pass	109,647		143,923		118,290		48,963		455		882		508		422,668
OAEM	24		1,270		—		—		—		—		—		1,294
Substandard	—		—		—		—		—		54		—		54
Residential first lien	280,135		372,184		138,407		95,498		81,299		284,645		1,974		1,254,142
Pass	280,124		372,164		138,236		95,081		81,160		280,586		1,897		1,249,248
OAEM	—		—		—		71		—		1,296		77		1,444
Substandard	11		20		171		346		139		2,763		—		3,450
Residential junior lien/home equity	42,602		2,207		3,682		3,038		1,161		6,297		562,246		621,233
Pass	42,602		2,207		3,604		3,038		1,161		6,141		559,189		617,942
OAEM	—		—		—		—		—		62		10		72
Substandard	—		—		78		—		—		94		3,047		3,219
Multifamily	81,608		80,628		16,466		54,180		65,075		106,420		1,343		405,720
Pass	81,608		80,628		16,466		54,180		50,974		105,380		1,343		390,579
OAEM	—		—		—		—		14,101		534		—		14,635
Substandard	—		—		—		—		—		506		—		506
Nonowner occupied	113,742		111,404		198,003		163,617		195,894		655,679		4,506		1,442,845
Pass	113,742		111,404		198,003		145,792		163,703		587,138		3,313		1,323,095
OAEM	—		—		—		17,825		25,274		55,781		1,037		99,917
Substandard	—		—		—		—		6,917		12,760		156		19,833
Owner occupied	49,257		59,485		56,875		34,738		33,796		143,789		5,385		383,325
Pass	49,257		57,858		54,392		34,212		32,449		137,363		5,271		370,802
OAEM	—		1,414		1,239		526		1,323		2,796		33		7,331
Substandard	—		213		1,244		—		24		3,630		81		5,192
Automobile	384,494		276,368		139,680		57,986		22,494		5,345		—		886,367
Pass	384,494		276,368		139,599		57,956		22,487		5,279		—		886,183

Substandard	—		—		81		30		7		66		—		184
Consumer credit cards	—		—		—		—		—		—		10,617		10,617
Pass	—		—		—		—		—		—		10,617		10,617


Consumer other	10,223		5,288		9,439		6,166		854		5,793		41,961		79,724
Pass	10,223		5,288		9,439		6,166		854		5,749		41,949		79,668

Substandard	—		—		—		—		—		44		12		56
Total	$	1,376,833	$	1,180,456	$	826,107	$	564,204	$	455,685	$	1,327,265	$	1,002,030	$	6,732,580

Age Analysis of Past Due Loans by Segment

The following tables delineate the aging analysis of the recorded investments in past due loans as of September 30, 2021 and December 31, 2020. Also included in these tables are loans that are 90 days or more past due and still accruing because they are well-secured and in the process of collection.


	September 30, 2021
	30 - 59 days past due		60 - 89 days past due		90 days or greater and still accruing		Nonaccrual		Total past due and nonaccrual		Current		Total
	(dollars in thousands)
Commercial, financial, agricultural and other	$	158	$	478	$	33	$	4,554	$	5,223	$	1,219,368	$	1,224,591
Time and demand	23		459		—		4,554		5,036		1,205,658		1,210,694
Commercial credit cards	135		19		33		—		187		13,710		13,897
Real estate construction	—		—		—		54		54		423,962		424,016
Residential real estate	3,354		824		411		6,046		10,635		1,864,740		1,875,375
Residential first lien	2,217		272		172		3,036		5,697		1,248,445		1,254,142
Residential junior lien/home equity	1,137		552		239		3,010		4,938		616,295		621,233
Commercial real estate	177		45		—		19,782		20,004		2,211,886		2,231,890
Multifamily	—		—		—		435		435		405,285		405,720
Nonowner occupied	175		—		—		17,783		17,958		1,424,887		1,442,845
Owner occupied	2		45		—		1,564		1,611		381,714		383,325
Loans to individuals	1,751		351		691		240		3,033		973,675		976,708
Automobile	1,363		83		158		184		1,788		884,579		886,367
Consumer credit cards	50		22		25		—		97		10,520		10,617
Consumer other	338		246		508		56		1,148		78,576		79,724
Total loans	$	5,440	$	1,698	$	1,135	$	30,676	$	38,949	$	6,693,631	$	6,732,580


	December 31, 2020
	30 - 59 days past due		60 - 89 days past due		90 days or greater and still accruing		Nonaccrual		Total past due and nonaccrual		Current		Total
	(dollars in thousands)
Commercial, financial, agricultural and other	$	146	$	62	$	112	$	3,317	$	3,637	$	1,552,349	$	1,555,986
Time and demand	97		28		23		3,317		3,465		1,537,917		1,541,382
Commercial credit cards	49		34		89		—		172		14,432		14,604
Real estate construction	936		—		—		54		990		426,231		427,221
Residential real estate	3,883		1,492		769		6,824		12,968		1,737,624		1,750,592
Residential first lien	1,775		660		267		3,489		6,191		1,138,132		1,144,323
Residential junior lien/home equity	2,108		832		502		3,335		6,777		599,492		606,269
Commercial real estate	237		160		3		35,072		35,472		2,176,097		2,211,569
Multifamily	—		—		—		460		460		370,779		371,239
Nonowner occupied	18		104		—		31,822		31,944		1,389,207		1,421,151
Owner occupied	219		56		3		2,790		3,068		416,111		419,179
Loans to individuals	2,870		852		639		274		4,635		811,180		815,815
Automobile	2,090		417		94		261		2,862		709,938		712,800
Consumer credit cards	52		39		123		—		214		12,146		12,360
Consumer other	728		396		422		13		1,559		89,096		90,655
Total loans	$	8,072	$	2,566	$	1,523	$	45,541	$	57,702	$	6,703,481	$	6,761,183

Recorded Investment and Unpaid Principal Balance for Impaired Loans with Associated Allowance

The following tables include the recorded investment and unpaid principal balance for nonperforming loans with the associated allowance amount, if applicable, as of September 30, 2021 and December 31, 2020. Also presented are the average recorded investment in nonperforming loans and the related amount of interest recognized while the loan was considered nonperforming. Average balances are calculated using month-end balances of the loans for the period reported and are included in the table below based on their period-end allowance position.


	September 30, 2021						December 31, 2020
	Recorded investment		Unpaid principal balance		Related allowance		Recorded investment		Unpaid principal balance		Related allowance
	(dollars in thousands)
With no related allowance recorded:
Commercial, financial, agricultural and other	$	4,836	$	15,308			$	2,025	$	2,725
Time and demand	4,836		15,308				2,025		2,725

Real estate construction	54		53				54		53
Residential real estate	9,910		12,101				10,939		13,258
Residential first lien	5,599		7,003				6,062		7,575
Residential junior lien/home equity	4,311		5,098				4,877		5,683
Commercial real estate	13,176		13,981				20,650		23,641
Multifamily	—		—				1		82
Nonowner occupied	11,531		12,147				16,786		19,459
Owner occupied	1,645		1,834				3,863		4,100
Loans to individuals	498		537				418		447
Automobile	442		476				405		430

Consumer other	56		61				13		17
Subtotal	28,474		41,980				34,086		40,124
With an allowance recorded:
Commercial, financial, agricultural and other	1,899		1,898		$	479	4,210		9,377		$	1,268
Time and demand	1,899		1,898		479		4,210		9,377		1,268

Real estate construction	—		—		—		—		—		—
Residential real estate	—		—		—		—		—		—
Residential first lien	—		—		—		—		—		—
Residential junior lien/home equity	—		—		—		—		—		—
Commercial real estate	7,713		7,794		501		15,757		15,830		3,638
Multifamily	435		456		103		459		470		116
Nonowner occupied	6,917		6,979		338		15,060		15,122		3,508
Owner occupied	361		359		60		238		238		14
Loans to individuals	—		—		—		—		—		—
Automobile	—		—		—		—		—		—

Consumer other	—		—		—		—		—		—
Subtotal	9,612		9,692		980		19,967		25,207		4,906
Total	$	38,086	$	51,672	$	980	$	54,053	$	65,331	$	4,906


		For the Nine Months Ended September 30,
		2021				2020
	Total Loans			Originated Loans				Acquired Loans
		Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized		Average recorded investment		Interest income recognized
		(dollars in thousands)
With no related allowance recorded:
Commercial, financial, agricultural and other		$	9,266	$	50	$	4,062	$	15	$	74	$	—
Time and demand		9,266		50

Real estate construction		54		—		6		—		137		—
Residential real estate		10,504		275		10,380		235		1,772		18
Residential first lien		5,734		210
Residential junior lien/home equity		4,770		65
Commercial real estate		20,813		101		13,994		90		1,453		76
Multifamily		—		—
Nonowner occupied		18,050		15
Owner occupied		2,763		86
Loans to individuals		486		12		469		9		11		—
Automobile		433		12

Consumer other		53		—
Subtotal		41,123		438		28,911		349		3,447		94
With an allowance recorded:
Commercial, financial, agricultural and other		1,820		50		4,569		45		—		—
Time and demand		1,820		50

Real estate construction		—		—		—		—		—		—
Residential real estate		—		—		—		—		—		—
Residential first lien		—		—
Residential junior lien/home equity		—		—
Commercial real estate		7,408		—		13,830		9		—		—
Multifamily		451		—
Nonowner occupied		6,917		—
Owner occupied		40		—
Loans to individuals		—		—		—		—		—		—
Automobile		—		—

Consumer other		—		—
Subtotal		9,228		50		18,399		54		—		—
Total		$	50,351	$	488	$	47,310	$	403	$	3,447	$	94


		For the Three Months Ended September 30,
		2021				2020
	Total Loans			Originated Loans				Acquired Loans
		Average recorded investment		Interest income recognized		Average recorded investment		Interest Income Recognized		Average recorded investment		Interest Income Recognized
		(dollars in thousands)
With no related allowance recorded:
Commercial, financial, agricultural and other		$	9,858	$	3	$	1,918	$	10	$	74	$	—
Time and demand		9,858		3

Real estate construction		54		—		18		—		308		—
Residential real estate		10,060		54		10,198		72		1,473		1
Residential first lien		5,558		34
Residential junior lien/home equity		4,502		20
Commercial real estate		15,967		68		14,312		23		1,440		76
Multifamily		—		—
Nonowner occupied		13,633		4
Owner occupied		2,334		64
Loans to individuals		504		6		494		3		11		—
Automobile		448		6

Consumer other		56		—
Subtotal		36,443		131		26,940		108		3,306		77
With an allowance recorded:
Commercial, financial, agricultural and other		1,842		19		6,423		16		—		—
Time and demand		1,842		19

Real estate construction		—		—		—		—		—		—
Residential real estate		—		—		—		—		—		—
Residential first lien		—		—
Residential junior lien/home equity		—		—
Commercial real estate		7,476		—		17,407		3		—		—
Multifamily		439		—
Nonowner occupied		6,917		—
Owner occupied		120		—
Loans to individuals		—		—		—		—		—		—
Automobile		—		—

Consumer other		—		—
Subtotal		9,318		19		23,830		19		—		—
Total		$	45,761	$	150	$	50,770	$	127	$	3,306	$	77

Troubled Debt Restructured Loans and Commitments

The following table provides detail as to the total troubled debt restructured loans and total commitments outstanding on troubled debt restructured loans:


	September 30, 2021		December 31, 2020
	(dollars in thousands)
Troubled debt restructured loans
Accrual status	$	7,410	$	8,512
Nonaccrual status	16,210		14,740
Total	$	23,620	$	23,252
Commitments
Letters of credit	$	60	$	60
Unused lines of credit	15		11
Total	$	75	$	71

Financing Receivable, New Troubled Debt Restructuring

The following tables provide detail, including specific reserves and reasons for modification, related to loans identified as troubled debt restructurings:


	For the Nine Months Ended September 30, 2021
		Type of Modification
	Number of Contracts	Extend Maturity		Modify Rate		Modify Payments		Total Pre-Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Specific Reserve
	(dollars in thousands)
Commercial, financial, agricultural and other	6	$	—	$	—	$	6,803	$	6,803	$	2,895	$	—
Time and demand	6	—		—		6,803		6,803		2,895		—


Residential real estate	13	—		219		301		520		500		—
Residential first lien	10	—		219		171		390		375		—
Residential junior lien/home equity	3	—		—		130		130		125		—
Commercial real estate	2	—		—		644		644		645		—

Nonowner occupied	2	—		—		644		644		645		—

Loans to individuals	7	—		110		63		173		151		—
Automobile	7	—		110		63		173		151		—


Total	28	$	—	$	329	$	7,811	$	8,140	$	4,191	$	—


	For the Nine Months Ended September 30, 2020
		Type of Modification
	Number of Contracts	Extend Maturity		Modify Rate		Modify Payments		Total Pre-Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Specific Reserve
	(dollars in thousands)
Commercial, financial, agricultural and other	1	$	—	$	629	$	—	$	629	$	625	$	489

Residential real estate	16	—		33		844		877		729		—
Commercial real estate	2	—		—		12		12		8		—
Loans to individuals	14	—		114		149		263		245		—
Total	33	$	—	$	776	$	1,005	$	1,781	$	1,607	$	489

The following tables provide detail, including specific reserves and reasons for modification, related to loans identified as troubled debt restructurings:


	For the Three Months Ended September 30, 2021
		Type of Modification
	Number of Contracts	Extend Maturity		Modify Rate		Modify Payments		Total Pre-Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Specific Reserve
	(dollars in thousands)
Commercial, financial, agricultural and other	5	$	—	$	—	$	206	$	206	$	202	$	—
Time and demand	5	—		—		206		206		202		—


Residential real estate	5	—		113		117		230		221		—
Residential first lien	3	—		113		—		113		109		—
Residential junior lien/home equity	2	—		—		117		117		112		—
Commercial real estate	2	—		—		644		644		645		—

Nonowner occupied	2	—		—		644		644		645		—

Loans to individuals	3	—		17		63		80		76		—
Automobile	3	—		17		63		80		76		—


Total	15	$	—	$	130	$	1,030	$	1,160	$	1,144	$	—


	For the Three Months Ended September 30, 2020
		Type of Modification
	Number of Contracts	Extend Maturity		Modify Rate		Modify Payments		Total Pre-Modification Outstanding Recorded Investment		Post- Modification Outstanding Recorded Investment		Specific Reserve
	(dollars in thousands)
Commercial, financial, agricultural and other	1	$	—	$	629	$	—	$	629	$	625	$	489

Residential real estate	12	—		33		580		613		477		—

Loans to individuals	4	—		43		24		67		63		—
Total	17	$	—	$	705	$	604	$	1,309	$	1,165	$	489

Troubled Debt Restructuring Subsequent Default [Table Text Block]

A troubled debt restructuring is considered to be in default when a restructured loan is 90 days or more past due. The following table provides information related to loans that were restructured within the past twelve months and that were considered to be in default during the nine months ended September 30:



	2021			2020
	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
	(dollars in thousands)


Residential real estate	—	$	—	1	$	50
Commercial real estate	—	—		1	112
Loans to individuals	—	—		2	78
Total	—	$	—	4	$	240

The following table provides information related to loans that were restructured within the past twelve months and that were considered to be in default during the three months ended September 30:



	2021			2020
	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
	(dollars in thousands)



Commercial real estate	—	$	—	1	$	112
Loans to individuals	—	—		2	78
Total	—	$	—	3	$	190

Allowance for Credit Losses

The following tables provide detail related to the allowance for credit losses:


	For the Nine Months Ended September 30, 2021
	Beginning balance		Charge-offs		Recoveries		Provision (credit)a		Ending balance
	(dollars in thousands)
Commercial, financial, agricultural and other	$	17,187	$	(6,522)	$	299	$	6,898	$	17,862
Time and demand	16,838		(6,397)		292		6,849		17,582
Commercial credit cards	349		(125)		7		49		280
Real estate construction	7,966		—		135		(3,768)		4,333
Residential real estate	14,358		(130)		309		(1,732)		12,805
Residential first lien	7,919		(36)		206		(632)		7,457
Residential junior lien/home equity	6,439		(94)		103		(1,100)		5,348
Commercial real estate	41,953		(1,659)		130		(5,784)		34,640
Multifamily	6,240		(1)		—		(2,408)		3,831
Nonowner occupied	28,414		(1,556)		120		(880)		26,098
Owner occupied	7,299		(102)		10		(2,496)		4,711
Loans to individuals	19,845		(3,199)		1,163		6,736		24,545
Automobile	16,133		(1,399)		826		5,642		21,202
Consumer credit cards	635		(372)		51		182		496
Consumer other	3,077		(1,428)		286		912		2,847
Total loans	$	101,309	$	(11,510)	$	2,036	$	2,350	$	94,185

a) The provision expense(credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.


	For the Nine Months Ended September 30, 2021
							Loans
	Ending balance		Ending balance: individually evaluated for credit losses		Ending balance: collectively evaluated for credit losses		Ending balance		Ending balance: individually evaluated for credit losses		Ending balance: collectively evaluated for credit losses
	(dollars in thousands)
Commercial, financial, agricultural and other	$	17,862	$	479	$	17,383	$	1,224,591	$	5,561	$	1,219,030
Time and demand	17,582		479		17,103		1,210,694		5,561		1,205,133
Commercial credit cards	280		—		280		13,897		—		13,897
Real estate construction	4,333		—		4,333		424,016		—		424,016
Residential real estate	12,805		—		12,805		1,875,375		254		1,875,121
Residential first lien	7,457		—		7,457		1,254,142		—		1,254,142
Residential junior lien/home equity	5,348		—		5,348		621,233		254		620,979
Commercial real estate	34,640		501		34,139		2,231,890		20,333		2,211,557
Multifamily	3,831		103		3,728		405,720		435		405,285
Nonowner occupied	26,098		338		25,760		1,442,845		18,314		1,424,531
Owner occupied	4,711		60		4,651		383,325		1,584		381,741
Loans to individuals	24,545		—		24,545		976,708		—		976,708
Automobile	21,202		—		21,202		886,367		—		886,367
Consumer credit cards	496		—		496		10,617		—		10,617
Consumer other	2,847		—		2,847		79,724		—		79,724
Total loans	$	94,185	$	980	$	93,205	$	6,732,580	$	26,148	$	6,706,432


	For the Nine Months Ended September 30, 2020
	Commercial, financial, agricultural and other		Real estate construction		Residential real estate		Commercial real estate		Loans to individuals		Total
	(dollars in thousands)
Allowance for credit losses:
Originated loans:
Beginning balance	$	20,221	$	2,558	$	4,091	$	19,731	$	4,984	$	51,585
Charge-offs	(5,166)		—		(720)		(2,415)		(4,958)		(13,259)
Recoveries	161		26		274		154		702		1,317
Provision (credit)	9,936		924		4,607		23,132		8,087		46,686
Ending balance	25,152		3,508		8,252		40,602		8,815		86,329
Acquired loans:
Beginning balance	13		—		2		37		—		52
Charge-offs	—		—		(213)		(2)		(287)		(502)
Recoveries	28		—		38		—		10		76
Provision (credit)	295		—		173		1,607		277		2,352
Ending balance	336		—		—		1,642		—		1,978
Total ending balance	$	25,488	$	3,508	$	8,252	$	42,244	$	8,815	$	88,307
Ending balance: individually evaluated for impairment	$	1,497	$	—	$	—	$	5,921	$	—	$	7,418
Ending balance: collectively evaluated for impairment	23,991		3,508		8,252		36,323		8,815		80,889
Loans:
Ending balance	1,736,736		452,989		1,744,020		2,215,311		800,660		6,949,716
Ending balance: individually evaluated for impairment	5,048		308		1,226		30,387		—		36,969
Ending balance: collectively evaluated for impairment	1,731,688		452,681		1,742,794		2,184,924		800,660		6,912,747


	For the Three Months Ended September 30, 2021
	Beginning balance		Charge-offs		Recoveries		Provision (credit)a		Ending balance
	(dollars in thousands)
Commercial, financial, agricultural and other	$	21,466	$	(2,066)	$	106	$	(1,644)	$	17,862
Time and demand	21,098		(2,059)		104		(1,561)		17,582
Commercial credit cards	368		(7)		2		(83)		280
Real estate construction	4,285		—		—		48		4,333
Residential real estate	12,933		(11)		98		(215)		12,805
Residential first lien	7,394		—		24		39		7,457
Residential junior lien/home equity	5,539		(11)		74		(254)		5,348
Commercial real estate	35,795		(102)		90		(1,143)		34,640
Multifamily	4,379		—		—		(548)		3,831
Nonowner occupied	26,911		—		80		(893)		26,098
Owner occupied	4,505		(102)		10		298		4,711
Loans to individuals	22,559		(727)		335		2,378		24,545
Automobile	19,298		(331)		251		1,984		21,202
Consumer credit cards	528		(125)		9		84		496
Consumer other	2,733		(271)		75		310		2,847
Total loans	$	97,038	$	(2,906)	$	629	$	(576)	$	94,185

a) The provision expense(credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.


	For the Three Months Ended September 30, 2020
	Commercial, financial, agricultural and other		Real estate construction		Residential real estate		Commercial real estate		Loans to individuals		Total
	(dollars in thousands)
Allowance for credit losses:
Originated loans:
Beginning balance	$	24,812	$	3,067	$	9,239	$	33,130	$	9,334	$	79,582
Charge-offs	(3,395)		—		(161)		—		(1,149)		(4,705)
Recoveries	44		—		153		110		226		533
Provision (credit)	3,691		441		(979)		7,362		404		10,919
Ending balance	25,152		3,508		8,252		40,602		8,815		86,329
Acquired loans:
Beginning balance	332		171		—		1,356		—		1,859
Charge-offs	—		—		(122)		—		(80)		(202)
Recoveries	13		—		13		—		2		28
Provision (credit)	(9)		(171)		109		286		78		293
Ending balance	336		—		—		1,642		—		1,978
Total ending balance	$	25,488	$	3,508	$	8,252	$	42,244	$	8,815	$	88,307

^[1]

[1]	a) The provision expense(credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.