XML 52 R39.htm IDEA: XBRL DOCUMENT v3.22.0.1
Loans and Allowance for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2021
Loans and Leases Receivable Disclosure [Abstract]  
Outstanding Balances of Loan The following table provides outstanding balances related to each of our loan types as of December 31:
20212020
 (dollars in thousands)
Commercial, financial, agricultural and other$1,173,452 $1,555,986 
Time and demand1,159,524 1,541,382 
Commercial credit cards13,928 14,604 
Real estate construction494,456 427,221 
Residential real estate1,920,250 1,750,592 
Residential first lien1,299,534 1,144,323 
Residential junior lien/home equity620,716 606,269 
Commercial real estate2,251,097 2,211,569 
Multifamily385,432 371,239 
Nonowner occupied1,465,247 1,421,151 
Owner occupied400,418 419,179 
Loans to individuals999,975 815,815 
Automobile901,280 712,800 
Consumer credit cards11,151 12,360 
Consumer other87,544 90,655 
Total loans $6,839,230 $6,761,183 
Credit Risk Profile by Creditworthiness The following tables represent our credit risk profile by creditworthiness category for the years ended December 31:
 2021
Non-Pass
 PassOAEMSubstandardDoubtfulLossTotal Non-PassTotal
 (dollars in thousands)
Commercial, financial, agricultural and other$1,121,234 $33,765 $18,453 $— $— $52,218 $1,173,452 
Time and demand1,107,306 33,765 18,453 — — 52,218 1,159,524 
Commercial credit cards13,928 — — — — — 13,928 
Real estate construction493,913 498 45 — — 543 494,456 
Residential real estate1,913,064 976 6,210 — — 7,186 1,920,250 
Residential first lien1,295,524 905 3,105 — — 4,010 1,299,534 
Residential junior lien/home equity617,540 71 3,105 — — 3,176 620,716 
Commercial real estate2,113,123 85,324 52,650 — — 137,974 2,251,097 
Multifamily355,702 14,565 15,165 — — 29,730 385,432 
Nonowner occupied1,368,922 63,783 32,542 — — 96,325 1,465,247 
Owner occupied388,499 6,976 4,943 — — 11,919 400,418 
Loans to individuals999,770 — 205 — — 205 999,975 
Automobile901,132 — 148 — — 148 901,280 
Consumer credit cards11,151 — — — — — 11,151 
Consumer other87,487 — 57 — — 57 87,544 
Total $6,641,104 $120,563 $77,563 $— $— $198,126 $6,839,230 
 2020
Non-Pass
 PassOAEMSubstandardDoubtfulLossTotal Non-PassTotal
 (dollars in thousands)
Commercial, financial, agricultural and other$1,491,916 $48,233 $15,837 $— $— $64,070 $1,555,986 
Time and demand1,477,312 48,233 15,837 — — 64,070 1,541,382 
Commercial credit cards14,604 — — — — — 14,604 
Real estate construction426,663 504 54 — — 558 427,221 
Residential real estate1,740,992 1,902 7,698 — — 9,600 1,750,592 
Residential first lien1,138,409 1,780 4,134 — — 5,914 1,144,323 
Residential junior lien/home equity602,583 122 3,564 — — 3,686 606,269 
Commercial real estate1,983,258 175,995 52,316 — — 228,311 2,211,569 
Multifamily369,883 131 1,225 — — 1,356 371,239 
Nonowner occupied1,216,252 161,336 43,563 — — 204,899 1,421,151 
Owner occupied397,123 14,528 7,528 — — 22,056 419,179 
Loans to individuals815,541 — 274 — — 274 815,815 
Automobile712,539 — 261 — — 261 712,800 
Consumer credit cards12,360 — — — — — 12,360 
Consumer other90,642 — 13 — — 13 90,655 
Total$6,458,370 $226,634 $76,179 $— $— $302,813 $6,761,183 
The following table summarizes the loan risk rating category by loan type including term loans on an amortized cost basis by origination year as of December 31:
2021
Term LoansRevolving Loans
20212020201920182017PriorTotal
(dollars in thousands)
Time and demand$281,244 $126,403 $143,030 $91,118 $45,442 $111,127 $361,160 $1,159,524 
Pass280,854 125,728 128,080 83,204 31,472 102,399 355,569 1,107,306 
OAEM390 596 1,125 7,780 13,945 7,126 2,803 33,765 
Substandard— 79 13,825 134 25 1,602 2,788 18,453 
Commercial credit cards— — — — — — 13,928 13,928 
Pass— — — — — — 13,928 13,928 
Real estate construction202,016 129,298 123,153 38,267 441 841 440 494,456 
Pass201,992 128,824 123,153 38,267 441 796 440 493,913 
OAEM24 474 — — — — — 498 
Substandard— — — — — 45 — 45 
Residential first lien376,106 375,904 126,788 84,484 74,268 260,010 1,974 1,299,534 
Pass376,095 375,885 126,618 84,079 74,135 256,815 1,897 1,295,524 
OAEM— — — 67 — 761 77 905 
Substandard11 19 170 338 133 2,434 — 3,105 
Residential junior lien/home equity56,861 1,999 3,322 2,684 1,009 5,348 549,493 620,716 
Pass56,861 1,999 3,246 2,684 1,009 5,195 546,546 617,540 
OAEM— — — — — 61 10 71 
Substandard— — 76 — — 92 2,937 3,105 
Multifamily90,062 73,068 16,782 36,523 63,872 103,774 1,351 385,432 
Pass90,062 73,068 16,782 21,846 49,832 102,761 1,351 355,702 
OAEM— — — — 14,040 525 — 14,565 
Substandard— — — 14,677 — 488 — 15,165 
Nonowner occupied194,137 98,840 202,236 173,053 177,295 615,943 3,743 1,465,247 
Pass194,137 98,840 202,236 155,293 152,174 563,743 2,499 1,368,922 
OAEM— — — 3,723 19,235 39,737 1,088 63,783 
Substandard— — — 14,037 5,886 12,463 156 32,542 
Owner occupied77,710 62,380 53,954 34,115 32,989 134,713 4,557 400,418 
Pass77,710 59,973 51,513 33,623 31,644 129,593 4,443 388,499 
OAEM— 2,194 1,220 492 1,321 1,716 33 6,976 
Substandard— 213 1,221 — 24 3,404 81 4,943 
Automobile456,730 252,518 122,943 48,375 17,230 3,484 — 901,280 
Pass456,730 252,518 122,867 48,361 17,224 3,432 — 901,132 
Substandard— — 76 14 6 52 — 148 
Consumer credit cards— — — — — — 11,151 11,151 
Pass— — — — — — 11,151 11,151 
Consumer other22,156 4,655 8,030 5,084 542 5,503 41,574 87,544 
Pass22,156 4,655 8,030 5,084 542 5,460 41,560 87,487 
Substandard— — — — — 43 14 57 
Total$1,757,022 $1,125,065 $800,238 $513,703 $413,088 $1,240,743 $989,371 $6,839,230 
2020
Term LoansRevolving Loans
20202019201820172016PriorTotal
(dollars in thousands)
Time and demand$598,053 $193,601 $142,224 $72,277 $74,228 $83,313 $377,686 $1,541,382 
Pass597,405 189,834 140,473 63,137 68,007 65,418 353,038 1,477,312 
OAEM93 3,373 972 8,820 6,182 8,043 20,750 48,233 
Substandard555 394 779 320 39 9,852 3,898 15,837 
Commercial credit cards— — — — — — 14,604 14,604 
Pass— — — — — — 14,604 14,604 
Real estate construction150,493 133,195 104,167 34,803 389 1,009 3,165 427,221 
Pass150,493 133,195 104,167 34,803 389 709 2,907 426,663 
OAEM— — — — — 246 258 504 
Substandard— — — — — 54 — 54 
Residential first lien316,052 184,550 142,823 110,365 91,495 297,057 1,981 1,144,323 
Pass316,028 184,533 142,467 110,260 91,059 292,158 1,904 1,138,409 
OAEM— — 83 — 100 1,520 77 1,780 
Substandard24 17 273 105 336 3,379 — 4,134 
Residential junior lien/home equity3,055 5,783 4,545 2,005 1,303 7,127 582,451 606,269 
Pass3,055 5,698 4,545 2,005 1,303 6,909 579,068 602,583 
OAEM— — — — — 112 10 122 
Substandard— 85 — — — 106 3,373 3,564 
Multifamily76,249 16,287 69,439 66,963 34,383 106,328 1,590 371,239 
Pass76,249 16,287 69,439 66,963 34,383 104,972 1,590 369,883 
OAEM— — — — — 131 — 131 
Substandard— — — — — 1,225 — 1,225 
Nonowner occupied105,861 199,280 161,018 214,915 217,883 518,052 4,142 1,421,151 
Pass105,861 190,301 139,643 181,659 175,148 419,900 3,740 1,216,252 
OAEM— 8,979 21,375 26,339 37,762 66,752 129 161,336 
Substandard— — — 6,917 4,973 31,400 273 43,563 
Owner occupied59,519 72,313 61,079 40,796 27,415 152,555 5,502 419,179 
Pass58,551 70,726 55,478 39,351 26,359 141,376 5,282 397,123 
OAEM968 684 4,736 1,421 114 6,572 33 14,528 
Substandard— 903 865 24 942 4,607 187 7,528 
Automobile350,293 202,923 96,355 45,218 14,285 3,726 — 712,800 
Pass350,293 202,827 96,336 45,187 14,255 3,641 — 712,539 
Substandard— 96 19 31 30 85 — 261 
Consumer credit cards— — — — — — 12,360 12,360 
Pass— — — — — — 12,360 12,360 
Consumer other7,814 14,464 10,752 1,965 711 6,383 48,566 90,655 
Pass7,814 14,464 10,752 1,965 711 6,373 48,563 90,642 
Substandard— — — — — 10 3 13 
Total$1,667,389 $1,022,396 $792,402 $589,307 $462,092 $1,175,550 $1,052,047 $6,761,183 
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 December 31. 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.
 2021
 30 - 59
days
past due		60 - 89
days
past
due		90 days
and
greater
and still
accruing		NonaccrualTotal past
due and
nonaccrual		CurrentTotal
 (dollars in thousands)
Commercial, financial, agricultural and other$633 $987 $155 $2,006 $3,781 $1,169,671 $1,173,452 
Time and demand605 972 144 2,006 3,727 1,155,797 1,159,524 
Commercial credit cards28 15 11 — 54 13,874 13,928 
Real estate construction813 — 448 45 1,306 493,150 494,456 
Residential real estate3,393 983 218 5,608 10,202 1,910,048 1,920,250 
Residential first lien1,934 354 51 2,706 5,045 1,294,489 1,299,534 
Residential junior lien/home equity1,459 629 167 2,902 5,157 615,559 620,716 
Commercial real estate— 74 — 40,195 40,269 2,210,828 2,251,097 
Multifamily— — — 15,097 15,097 370,335 385,432 
Nonowner occupied— — — 23,930 23,930 1,441,317 1,465,247 
Owner occupied— 74 — 1,168 1,242 399,176 400,418 
Loans to individuals1,611 417 785 206 3,019 996,956 999,975 
Automobile1,228 175 199 148 1,750 899,530 901,280 
Consumer credit cards36 44 63 — 143 11,008 11,151 
Consumer other347 198 523 58 1,126 86,418 87,544 
Total $6,450 $2,461 $1,606 $48,060 $58,577 $6,780,653 $6,839,230 
2020
30 - 59
days
past due		60 - 89
days
past
due		90 days
and
greater
and still
accruing		NonaccrualTotal past
due and
nonaccrual		CurrentTotal
(dollars in thousands)
Commercial, financial, agricultural and other$146 $62 $112 $3,317 $3,637 $1,552,349 $1,555,986 
Time and demand97 28 23 3,317 3,465 1,537,917 1,541,382 
Commercial credit cards49 34 89 — 172 14,432 14,604 
Real estate construction936 — — 54 990 426,231 427,221 
Residential real estate3,883 1,492 769 6,824 12,968 1,737,624 1,750,592 
Residential first lien1,775 660 267 3,489 6,191 1,138,132 1,144,323 
Residential junior lien/home equity2,108 832 502 3,335 6,777 599,492 606,269 
Commercial real estate237 160 3 35,072 35,472 2,176,097 2,211,569 
Multifamily— — — 460 460 370,779 371,239 
Nonowner occupied18 104 — 31,822 31,944 1,389,207 1,421,151 
Owner occupied219 56 3 2,790 3,068 416,111 419,179 
Loans to individuals2,870 852 639 274 4,635 811,180 815,815 
Automobile2,090 417 94 261 2,862 709,938 712,800 
Consumer credit cards52 39 123 — 214 12,146 12,360 
Consumer other728 396 422 13 1,559 89,096 90,655 
Total$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 December 31, 2021 and 2020. Also presented are the average recorded investment in nonperforming loans and the related amount of interest recognized while the loan was considered nonperforming for the years ended December 31, 2021, 2020 and 2019. Average balances are calculated based on month-end balances of the loans for the period reported and are included in the table below based on its period end allowance position.
 2021
 Recorded
investment		Unpaid
principal
balance		Related
specific
allowance		Average
recorded
investment		Interest
Income
Recognized
 (dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other$3,720 $10,303 $9,240 $389 
Time and demand3,720 10,303 9,240 389 
Real estate construction45 53 53 — 
Residential real estate9,365 11,294 10,315 375 
Residential first lien5,200 6,337 5,674 279 
Residential junior lien/home equity4,165 4,957 4,641 96 
Commercial real estate40,591 41,525 26,235 119 
Multifamily14,677 14,677 1,223 — 
Nonowner occupied24,581 25,310 22,668 28 
Owner occupied1,333 1,538 2,344 91 
Loans to individuals446 485 479 15 
Automobile388 422 425 15 
Consumer other58 63 54 — 
Subtotal54,167 63,660 46,322 898 
With a specific allowance recorded:
Commercial, financial, agricultural and other327 349 307 84 — 
Time and demand327 349 307 84 — 
Real estate construction— — — — — 
Residential real estate— — — — — 
Residential first lien— — — — — 
Residential junior lien/home equity— — — — — 
Commercial real estate686 711 88 665 — 
Multifamily421 446 88 444 — 
Nonowner occupied— — — — — 
Owner occupied265 265 — 221 — 
Loans to individuals— — — — — 
Automobile— — — — — 
Consumer other— — — — — 
Subtotal1,013 1,060 395 749 — 
Total$55,180 $64,720 $395 $47,071 $898 
2020
Recorded
investment		Unpaid
principal
balance		Related
specific
allowance		Average
recorded
investment		Interest
Income
Recognized
(dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other$2,025 $2,725 $6,371 $80 
Time and demand2,025 2,725 6,371 80 
Real estate construction54 53 146 14 
Residential real estate10,939 13,258 11,913 335 
Residential first lien6,062 7,575 6,605 241 
Residential junior lien/home equity4,877 5,683 5,308 94 
Commercial real estate20,650 23,641 22,287 184 
Multifamily1 82 1 — 
Nonowner occupied16,786 19,459 18,536 82 
Owner occupied3,863 4,100 3,750 102 
Loans to individuals418 447 470 13 
Automobile405 430 447 13 
Consumer other13 17 23 — 
Subtotal34,086 40,124 41,187 626 
With a specific allowance recorded:
Commercial, financial, agricultural and other4,210 9,377 1,268 1,544 3 
Time and demand4,210 9,377 1,268 1,544 3 
Real estate construction— — — — — 
Residential real estate— — — — — 
Residential first lien— — — — — 
Residential junior lien/home equity— — — — — 
Commercial real estate15,757 15,830 3,638 7,997 10 
Multifamily459 470 116 395 — 
Nonowner occupied15,060 15,122 3,508 7,363 — 
Owner occupied238 238 14 239 10 
Loans to individuals— — — — — 
Automobile— — — — — 
Consumer other— — — — — 
Subtotal19,967 25,207 4,906 9,541 13 
Total$54,053 $65,331 $4,906 $50,728 $639 
 2019
OriginatedAcquired
 Average
recorded
investment		Interest
Income
Recognized		Average
recorded
investment		Interest
Income
Recognized
 (dollars in thousands)
With no related specific allowance recorded:
Commercial, financial, agricultural and other$2,411 $66 $2,479 $— 
Real estate construction— — — — 
Residential real estate10,819 365 1,986 8 
Commercial real estate7,455 156 747 18 
Loans to individuals371 17 13 — 
Subtotal21,056 604 5,225 26 
With a specific allowance recorded:
Commercial, financial, agricultural and other4,110 77 — — 
Real estate construction— — — — 
Residential real estate241 — — — 
Commercial real estate1,747 3 — — 
Loans to individuals— — — — 
Subtotal6,098 80 — — 
Total$27,154 $684 $5,225 $26 
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 as of December 31:
202120202019
 (dollars in thousands)
Troubled debt restructured loans
Accrual status$7,120 $8,512 $7,542 
Nonaccrual status13,134 14,740 6,037 
Total$20,254 $23,252 $13,579 
Commitments
Letters of credit$60 $60 $60 
Unused lines of credit16 11 163 
Total$76 $71 $223 
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 year ending December 31:
 202120202019
 Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment		Number of
Contracts		Recorded
Investment
 (dollars in thousands)
Commercial, financial, agricultural and other1 $223 — $— — $— 
Time and demand1 223 — — 
Residential real estate— $— 1 34 — — 
Residential junior lien/home equity— — 1 34 
Loans to individuals1 21 2 74 — — 
Automobile1 21 2 74 
Total2 $244 3 $108 — $— 
Troubled Debt Restructurings is 90 Days or More Past Due
The following tables provide detail, including specific reserve and reasons for modification, related to loans identified as troubled debt restructurings during the years ending December 31:
 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 other6 $— $— $7,893 $7,893 $288 $— 
Time and demand6 — — 7,893 7,893 288 — 
Residential real estate15 — 359 301 660 624 — 
Residential first lien12 — 359 171 530 502 — 
Residential junior lien/home equity3 — — 130 130 122 — 
Commercial real estate2 — — 644 644 634 — 
Nonowner occupied2 — — 644 644 634 — 
Owner occupied— — — — — — — 
Loans to individuals7 — 110 63 173 144 — 
Automobile7 $— $110 $63 173 $144 $— 
Total30 $— $469 $8,901 $9,370 $1,690 $— 
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 other4 $— $629 $2,176 $2,805 $2,196 $636 
Time and demand4 — 629 2,176 2,805 2,196 636 
Residential real estate18 — 33 917 950 791 — 
Residential first lien9 — 33 513 546 411 — 
Residential junior lien/home equity9 — — 404 404 380 — 
Commercial real estate5 — — 10,857 10,857 10,758 — 
Nonowner occupied4 — — 10,289 10,289 10,263 — 
Owner occupied1 — — 568 568 495 — 
Loans to individuals14 — 114 148 262 224 — 
Automobile14 $— $114 $148 $262 224 $— 
Total41 $— $776 $14,098 $14,874 $13,969 $636 
 
 2019
  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 other2 $— $— $156 $156 $154 $— 
Residential real estate20 17 204 965 1,186 1,059 — 
Commercial real estate5 — 556 6,261 6,817 594 — 
Loans to individuals11 — — 143 143 121 — 
Total38 $17 $760 $7,525 $8,302 $1,928 $— 
Allowance for Credit Losses
The following tables provide detail related to the allowance for credit losses for the years ended December 31.
 2021
Beginning balanceCharge-offsRecoveries
Provision (credit)a
Ending balance
(dollars in thousands)
Commercial, financial, agricultural and other$17,187 $(7,020)$2,430 $5,496 $18,093 
Time and demand16,838 (6,845)2,412 5,441 17,846 
Commercial credit cards349 (175)18 55 247 
Real estate construction7,966 (9)155 (3,892)4,220 
Residential real estate 14,358 (309)468 (1,892)12,625 
Residential first liens7,919 (60)337 (737)7,459 
Residential junior liens/home equity6,439 (249)131 (1,155)5,166 
Commercial real estate41,953 (1,659)135 (7,053)33,376 
Multifamily6,240 (1)— (2,678)3,561 
Nownowner occupied28,414 (1,556)125 (2,145)24,838 
Owner occupied7,299 (102)10 (2,230)4,977 
Loans to individuals19,845 (4,061)1,460 6,964 24,208 
Automobile16,133 (1,792)1,016 6,035 21,392 
Consumer credit cards635 (425)71 215 496 
Consumer other3,077 (1,844)373 714 2,320 
Total$101,309 $(13,058)$4,648 $(377)$92,522 
a) The provision (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
December 31, 2021
Loans
Ending balanceEnding balance: individually evaluated for credit lossesEnding balance: collectively evaluated for credit lossesEnding balanceEnding balance: individually evaluated for credit lossesEnding balance: collectively evaluated for credit losses
(dollars in thousands)
Commercial, financial, agricultural and other$18,093 $307 $17,786 $1,173,452 $3,032 $1,170,420 
Time and demand17,846 307 17,539 1,159,524 3,032 1,156,492 
Commercial credit cards247 — 247 13,928 — 13,928 
Real estate construction4,220 — 4,220 494,456 — 494,456 
Residential real estate 12,625 — 12,625 1,920,250 253 1,919,997 
Residential first liens7,459 — 7,459 1,299,534 — 1,299,534 
Residential junior liens/home equity5,166 — 5,166 620,716 253 620,463 
Commercial real estate33,376 88 33,288 2,251,097 40,246 2,210,851 
Multifamily3,561 88 3,473 385,432 15,097 370,335 
Nownowner occupied24,838 — 24,838 1,465,247 24,205 1,441,042 
Owner occupied4,977 — 4,977 400,418 944 399,474 
Loans to individuals24,208 — 24,208 999,975 — 999,975 
Automobile21,392 — 21,392 901,280 — 901,280 
Consumer credit cards496 — 496 11,151 — 11,151 
Consumer other2,320 — 2,320 87,544 — 87,544 
Total$92,522 $395 $92,127 $6,839,230 $43,531 $6,795,699 
 2020
Beginning balanceImpact of adoption of CECLCharge-offsRecoveries
Provision (credit)a
Ending balance
(dollars in thousands)
Commercial, financial, agricultural and other$20,234 $1,478 $(6,318)$314 $1,479 $17,187 
Time and demand— 21,242 (6,220)301 1,515 16,838 
Commercial credit cards— 470 (98)13 (36)349 
Real estate construction2,558 562 — 26 4,820 7,966 
Residential real estate4,093 7,276 (1,040)414 3,615 14,358 
Residential first liens— 7,326 (550)296 847 7,919 
Residential junior liens/home equity— 4,043 (490)118 2,768 6,439 
Commercial real estate19,768 (207)(4,939)312 27,019 41,953 
Multifamily— 1,647 — — 4,593 6,240 
Nownowner occupied— 12,317 (4,678)187 20,588 28,414 
Owner occupied— 5,597 (261)125 1,838 7,299 
Loans to individuals4,984 4,284 (6,953)991 16,539 19,845 
Automobile— 6,106 (3,954)745 13,236 16,133 
Consumer credit cards— 221 (595)36 973 635 
Consumer other— 2,941 (2,404)210 2,330 3,077 
Total$51,637 $13,393 $(19,250)$2,057 $53,472 $101,309 
a) The provision (credit) shown here excludes the provision for off-balance sheet credit exposure included in the income statement.
December 31, 2020
Loans
Ending balanceEnding balance: individually evaluated for credit lossesEnding balance: collectively evaluated for credit lossesEnding balanceEnding balance: individually evaluated for credit lossesEnding balance: collectively evaluated for credit losses
(dollars in thousands)
Commercial, financial, agricultural and other$17,187 $1,268 $15,919 $1,555,986 $5,411 $1,550,575 
Time and demand16,838 1,268 15,570 1,541,382 5,411 1,535,971 
Commercial credit cards349 — 349 14,604 — 14,604 
Real estate construction7,966 — 7,966 427,221 — 427,221 
Residential real estate 14,358 — 14,358 1,750,592 1,105 1,749,487 
Residential first liens7,919 — 7,919 1,144,323 528 1,143,795 
Residential junior liens/home equity6,439 — 6,439 606,269 577 605,692 
Commercial real estate41,953 3,638 38,315 2,211,569 34,947 2,176,622 
Multifamily6,240 116 6,124 371,239 459 370,780 
Nownowner occupied28,414 3,508 24,906 1,421,151 31,450 1,389,701 
Owner occupied7,299 14 7,285 419,179 3,038 416,141 
Loans to individuals19,845 — 19,845 815,815 — 815,815 
Automobile16,133 — 16,133 712,800 — 712,800 
Consumer credit cards635 — 635 12,360 — 12,360 
Consumer other3,077 — 3,077 90,655 — 90,655 
Total$101,309 $4,906 $96,403 $6,761,183 $41,463 $6,719,720 
 2019
 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$19,235 $2,002 $3,934 $18,382 $4,033 $47,586 
Charge-offs(2,667)— (986)(632)(5,747)(10,032)
Recoveries245 158 246 189 611 1,449 
Provision (credit)3,408 398 897 1,792 6,087 12,582 
Ending balance20,221 2,558 4,091 19,731 4,984 51,585 
Acquired Loans:
Beginning balance139 — 35 4 — 178 
Charge-offs(726)— (56)(1,376)(84)(2,242)
Recoveries81 — 69 — 15 165 
Provision (credit)519 — (46)1,409 69 1,951 
Ending balance13 — 2 37 — 52 
Total ending balance$20,234 $2,558 $4,093 $19,768 $4,984 $51,637 
Ending balance: individually evaluated for impairment$1,580 $— $1 $851 $— $2,432 
Ending balance: collectively evaluated for impairment18,654 2,558 4,092 18,917 4,984 49,205 
Loans:
Ending balance1,241,853 449,039 1,681,362 2,117,519 699,375 6,189,148 
Ending balance: individually evaluated for impairment9,246 — 1,741 6,846 — 17,833 
Ending balance: collectively evaluated for impairment1,232,607 449,039 1,679,621 2,110,673 699,375 6,171,315