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Loans and Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2022

Loans and Leases Receivable Disclosure [Abstract]

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


	September 30, 2022		December 31, 2021

	(dollars in thousands)
Commercial, financial, agricultural and other	$	1,169,206	$	1,173,452
Time and demand	1,012,169		1,159,524

Commercial credit cards	13,368		13,928
Equipment finance	43,777
Time and demand other	99,892
Real estate construction	422,690		494,456
Construction other	326,539
Construction residential	96,151
Residential real estate	2,153,904		1,920,250
Residential first lien	1,510,570		1,299,534
Residential junior lien/home equity	643,334		620,716
Commercial real estate	2,393,276		2,251,097
Multifamily	404,328		385,432
Nonowner occupied	1,516,255		1,465,247
Owner occupied	472,693		400,418
Loans to individuals	1,209,841		999,975
Automobile and recreational vehicles	1,120,838		901,280
Consumer credit cards	10,274		11,151
Consumer other	78,729		87,544
Total loans and leases	$	7,348,917	$	6,839,230

Credit Risk Profile by Creditworthiness

The following tables represent our credit risk profile by creditworthiness:


	September 30, 2022
			Non-Pass
	Pass		OAEM		Substandard		Doubtful		Loss		Total Non-Pass		Total
	(dollars in thousands)
Commercial, financial, agricultural and other	$	1,123,075	$	33,998	$	12,133	$	—	$	—	$	46,131	$	1,169,206
Time and demand	966,079		33,998		12,092		—		—		46,090		1,012,169
Commercial credit cards	13,368		—		—		—		—		—		13,368
Equipment finance	43,777		—		—		—		—		—		43,777
Time and demand other	99,851		—		41		—		—		41		99,892
Real estate construction	422,690		—		—		—		—		—		422,690
Construction other	326,539		—		—		—		—		—		326,539
Construction residential	96,151		—		—		—		—		—		96,151
Residential real estate	2,147,081		804		6,019		—		—		6,823		2,153,904
Residential first lien	1,506,421		740		3,409		—		—		4,149		1,510,570
Residential junior lien/home equity	640,660		64		2,610		—		—		2,674		643,334
Commercial real estate	2,307,356		58,800		27,120		—		—		85,920		2,393,276
Multifamily	403,777		496		55		—		—		551		404,328
Nonowner occupied	1,440,168		53,980		22,107		—		—		76,087		1,516,255
Owner occupied	463,411		4,324		4,958		—		—		9,282		472,693
Loans to individuals	1,209,457		—		384		—		—		384		1,209,841
Automobile and recreational vehicles	1,120,521		—		317		—		—		317		1,120,838
Consumer credit cards	10,274		—		—		—		—		—		10,274
Consumer other	78,662		—		67		—		—		67		78,729
Total loans and leases	$	7,209,659	$	93,602	$	45,656	$	—	$	—	$	139,258	$	7,348,917


	December 31, 2021
			Non-Pass
	Pass		OAEM		Substandard		Doubtful		Loss		Total Non-Pass		Total
	(dollars in thousands)
Commercial, financial, agricultural and other	$	1,121,234	$	33,765	$	18,453	$	—	$	—	$	52,218	$	1,173,452
Time and demand	1,107,306		33,765		18,453		—		—		52,218		1,159,524
Commercial credit cards	13,928		—		—		—		—		—		13,928
Real estate construction	493,913		498		45		—		—		543		494,456
Residential real estate	1,913,064		976		6,210		—		—		7,186		1,920,250
Residential first lien	1,295,524		905		3,105		—		—		4,010		1,299,534
Residential junior lien/home equity	617,540		71		3,105		—		—		3,176		620,716
Commercial real estate	2,113,123		85,324		52,650		—		—		137,974		2,251,097
Multifamily	355,702		14,565		15,165		—		—		29,730		385,432
Nonowner occupied	1,368,922		63,783		32,542		—		—		96,325		1,465,247
Owner occupied	388,499		6,976		4,943		—		—		11,919		400,418
Loans to individuals	999,770		—		205		—		—		205		999,975
Automobile and recreational vehicles	901,132		—		148		—		—		148		901,280
Consumer credit cards	11,151		—		—		—		—		—		11,151
Consumer other	87,487		—		57		—		—		57		87,544
Total loans and leases	$	6,641,104	$	120,563	$	77,563	$	—	$	—	$	198,126	$	6,839,230

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, 2022
	Term Loans												Revolving Loans
	2022		2021		2020		2019		2018		Prior				Total
	(dollars in thousands)
Time and demand	$	151,625	$	166,338	$	69,788	$	94,503	$	66,019	$	62,843	$	401,053	$	1,012,169
Pass	151,625		157,344		60,402		85,295		65,892		61,385		384,136		966,079
OAEM	—		8,586		8,786		2,138		46		597		13,845		33,998
Substandard	—		408		600		7,070		81		861		3,072		12,092
Commercial credit cards	—		—		—		—		—		—		13,368		13,368
Pass	—		—		—		—		—		—		13,368		13,368


Equipment finance	43,777		—		—		—		—		—		—		43,777
Pass	43,777		—		—		—		—		—		—		43,777


Time and demand other	5,835		20,287		20,851		4,024		2,925		41,637		4,333		99,892
Pass	5,835		20,287		20,851		4,024		2,925		41,596		4,333		99,851

Substandard	—		—		—		—		—		41		—		41
Construction other	41,792		134,773		81,657		42,998		23,951		1,082		286		326,539
Pass	41,792		134,773		81,657		42,998		23,951		1,082		286		326,539


Construction residential	44,079		52,020		—		32		18		—		2		96,151
Pass	44,079		52,020		—		32		18		—		2		96,151
OAEM	—		—		—		—		—		—		—		—

Residential first lien	228,085		490,963		344,244		105,769		72,054		267,696		1,759		1,510,570
Pass	228,085		490,580		344,228		105,244		71,453		265,149		1,682		1,506,421
OAEM	—		175		—		136		55		297		77		740
Substandard	—		208		16		389		546		2,250		—		3,409
Residential junior lien/home equity	60,751		51,084		1,574		2,718		1,808		4,600		520,799		643,334
Pass	60,751		51,084		1,574		2,648		1,808		4,462		518,333		640,660
OAEM	—		—		—		—		—		54		10		64
Substandard	—		—		—		70		—		84		2,456		2,610
Multifamily	107,522		89,935		61,212		42,617		20,040		81,620		1,382		404,328
Pass	107,522		89,935		61,212		42,617		20,040		81,069		1,382		403,777
OAEM	—		—		—		—		—		496		—		496
Substandard	—		—		—		—		—		55		—		55
Nonowner occupied	234,038		168,018		108,037		216,851		151,080		633,344		4,887		1,516,255
Pass	234,038		168,018		108,037		216,851		114,601		594,896		3,727		1,440,168
OAEM	—		—		—		—		28,643		24,335		1,002		53,980
Substandard	—		—		—		—		7,836		14,113		158		22,107
Owner occupied	93,475		98,472		58,582		46,871		27,587		141,869		5,837		472,693
Pass	93,475		98,449		56,345		45,159		26,677		137,581		5,725		463,411
OAEM	—		—		1,252		876		836		1,327		33		4,324
Substandard	—		23		985		836		74		2,961		79		4,958
Automobile and recreational vehicles	464,203		356,266		188,208		79,358		25,839		6,964		—		1,120,838
Pass	464,203		356,264		188,112		79,240		25,770		6,932		—		1,120,521

Substandard	—		2		96		118		69		32		—		317
Consumer credit cards	—		—		—		—		—		—		10,274		10,274
Pass	—		—		—		—		—		—		10,274		10,274


Consumer other	5,229		18,003		2,873		4,690		2,390		4,390		41,154		78,729
Pass	5,229		18,003		2,873		4,681		2,390		4,385		41,101		78,662

Substandard	—		—		—		9		—		5		53		67
Total	$	1,480,411	$	1,646,159	$	937,026	$	640,431	$	393,711	$	1,246,045	$	1,005,134	$	7,348,917

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, 2022 and December 31, 2021. 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, 2022
	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	$	241	$	—	$	4	$	2,805	$	3,050	$	1,166,156	$	1,169,206
Time and demand	228		—		—		2,805		3,033		1,009,136		1,012,169
Commercial credit cards	11		—		—		—		11		13,357		13,368
Equipment finance	—		—		—		—		—		43,777		43,777
Time and demand other	2		—		4		—		6		99,886		99,892
Real estate construction	—		—		—		—		—		422,690		422,690
Construction other	—		—		—		—		—		326,539		326,539
Construction residential	—		—		—		—		—		96,151		96,151
Residential real estate	2,794		937		821		5,530		10,082		2,143,822		2,153,904
Residential first lien	1,914		474		487		3,102		5,977		1,504,593		1,510,570
Residential junior lien/home equity	880		463		334		2,428		4,105		639,229		643,334
Commercial real estate	372		29		—		20,757		21,158		2,372,118		2,393,276
Multifamily	73		—		—		—		73		404,255		404,328
Nonowner occupied	93		—		—		19,808		19,901		1,496,354		1,516,255
Owner occupied	206		29		—		949		1,184		471,509		472,693
Loans to individuals	2,622		862		723		384		4,591		1,205,250		1,209,841
Automobile and recreational vehicles	2,129		477		285		317		3,208		1,117,630		1,120,838
Consumer credit cards	44		39		—		—		83		10,191		10,274
Consumer other	449		346		438		67		1,300		77,429		78,729
Total loans and leases	$	6,029	$	1,828	$	1,548	$	29,476	$	38,881	$	7,310,036	$	7,348,917


	December 31, 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	$	633	$	987	$	155	$	2,006	$	3,781	$	1,169,671	$	1,173,452
Time and demand	605		972		144		2,006		3,727		1,155,797		1,159,524
Commercial credit cards	28		15		11		—		54		13,874		13,928
Real estate construction	813		—		448		45		1,306		493,150		494,456
Residential real estate	3,393		983		218		5,608		10,202		1,910,048		1,920,250
Residential first lien	1,934		354		51		2,706		5,045		1,294,489		1,299,534
Residential junior lien/home equity	1,459		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 individuals	1,611		417		785		206		3,019		996,956		999,975
Automobile and recreational vehicles	1,228		175		199		148		1,750		899,530		901,280
Consumer credit cards	36		44		63		—		143		11,008		11,151
Consumer other	347		198		523		58		1,126		86,418		87,544
Total loans and leases	$	6,450	$	2,461	$	1,606	$	48,060	$	58,577	$	6,780,653	$	6,839,230

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, 2022 and December 31, 2021. 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, 2022						December 31, 2021
	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	$	3,381	$	9,749			$	3,720	$	10,303
Time and demand	3,381		9,749				3,720		10,303

Equipment finance	—		—
Time and demand other	—		—
Real estate construction	—		—				45		53
Construction other	—		—
Construction residential	—		—
Residential real estate	8,711		10,573				9,365		11,294
Residential first lien	5,180		6,262				5,200		6,337
Residential junior lien/home equity	3,531		4,311				4,165		4,957
Commercial real estate	15,467		16,434				40,591		41,525
Multifamily	—		—				14,677		14,677
Nonowner occupied	14,121		14,896				24,581		25,310
Owner occupied	1,346		1,538				1,333		1,538
Loans to individuals	475		553				446		485
Automobile and recreational vehicles	408		481				388		422

Consumer other	67		72				58		63
Subtotal	28,034		37,309				54,167		63,660
With an allowance recorded:
Commercial, financial, agricultural and other	1,380		1,555		$	1,380	327		349		$	307
Time and demand	1,380		1,555		1,380		327		349		307

Equipment finance	—		—		—
Time and demand other	—		—		—
Real estate construction	—		—		—		—		—		—
Construction other	—		—		—
Construction residential	—		—		—
Residential real estate	—		—		—		—		—		—
Residential first lien	—		—		—		—		—		—
Residential junior lien/home equity	—		—		—		—		—		—
Commercial real estate	6,278		7,200		154		686		711		88
Multifamily	—		—		—		421		446		88
Nonowner occupied	6,278		7,200		154		—		—		—
Owner occupied	—		—		—		265		265		—
Loans to individuals	—		—		—		—		—		—
Automobile and recreational vehicles	—		—		—		—		—		—

Consumer other	—		—		—		—		—		—
Subtotal	7,658		8,755		1,534		1,013		1,060		395
Total	$	35,692	$	46,064	$	1,534	$	55,180	$	64,720	$	395


	For the Nine Months Ended September 30,
	2022				2021

	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	$	3,762	$	88	$	9,266	$	50
Time and demand	3,762		88		9,266		50

Equipment finance	—		—
Time and demand other	—		—
Real estate construction	—		—		54		—
Construction other	—		—
Construction residential	—		—
Residential real estate	8,984		190		10,504		275
Residential first lien	5,120		139		5,734		210
Residential junior lien/home equity	3,864		51		4,770		65
Commercial real estate	16,663		89		20,813		101
Multifamily	230		—		—		—
Nonowner occupied	14,869		69		18,050		15
Owner occupied	1,564		20		2,763		86
Loans to individuals	435		13		486		12
Automobile and recreational vehicles	363		13		433		12

Consumer other	72		—		53		—
Subtotal	29,844		380		41,123		438
With an allowance recorded:
Commercial, financial, agricultural and other	195		—		1,820		50
Time and demand	195		—		1,820		50

Equipment finance	—		—
Time and demand other	—		—
Real estate construction	—		—		—		—
Construction other	—		—
Construction residential	—		—
Residential real estate	—		—		—		—
Residential first lien	—		—		—		—
Residential junior lien/home equity	—		—		—		—
Commercial real estate	6,795		—		7,408		—
Multifamily	—		—		451		—
Nonowner occupied	6,795		—		6,917		—
Owner occupied	—		—		40		—
Loans to individuals	—		—		—		—
Automobile and recreational vehicles	—		—		—		—

Consumer other	—		—		—		—
Subtotal	6,990		—		9,228		50
Total	$	36,834	$	380	$	50,351	$	488


	For the Three Months Ended September 30,
	2022				2021

	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	$	3,518	$	30		$	9,858	$	3
Time and demand	3,518		30			9,858		3

Equipment finance	—		—
Time and demand other	—		—
Real estate construction	—		—			54		—
Construction other	—		—
Construction residential	—		—
Residential real estate	8,981		48			10,060		54
Residential first lien	5,200		33			5,558		34
Residential junior lien/home equity	3,781		15			4,502		20
Commercial real estate	16,124		27			15,967		68
Multifamily	—		—			—		—
Nonowner occupied	14,637		18			13,633		4
Owner occupied	1,487		9			2,334		64
Loans to individuals	443		5			504		6
Automobile	369		5			448		6

Consumer other	74		—			56		—
Subtotal	29,066		110			36,443		131
With an allowance recorded:
Commercial, financial, agricultural and other	584		—			1,842		19
Time and demand	584		—			1,842		19

Equipment finance	—		—
Time and demand other	—		—
Real estate construction	—		—			—		—
Construction other	—		—
Construction residential	—		—
Residential real estate	—		—			—		—
Residential first lien	—		—			—		—
Residential junior lien/home equity	—		—			—		—
Commercial real estate	6,336		—			7,476		—
Multifamily	—		—			439		—
Nonowner occupied	6,336		—			6,917		—
Owner occupied	—		—			120		—
Loans to individuals	—		—			—		—
Automobile	—		—			—		—

Consumer other	—		—			—		—
Subtotal	6,920		—			9,318		19
Total	$	35,986	$	110		$	45,761	$	150

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, 2022		December 31, 2021
	(dollars in thousands)
Troubled debt restructured loans
Accrual status	$	6,216	$	7,120
Nonaccrual status	8,981		13,134
Total	$	15,197	$	20,254
Commitments
Letters of credit	$	60	$	60
Unused lines of credit	21		16
Total	$	81	$	76

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, 2022
		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)




Residential real estate	2	$	—	$	10	$	59	$	69	$	68	$	—
Residential first lien	2	—		10		59		69		68		—









Total	2	$	—	$	10	$	59	$	69	$	68	$	—


	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 and recreational vehicles	7	—		110		63		173		151		—


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

The following table provides detail, including specific reserves and reasons for modification, related to loans identified as troubled debt restructurings for the three months ended September 30, 2021.


	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 and recreational vehicles	3	—		17		63		80		76		—


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

Allowance for Credit Losses

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


	For the Nine Months Ended September 30, 2022
	Beginning balance		Charge-offs		Recoveries		Provision (credit)a		Ending balance
	(dollars in thousands)
Commercial, financial, agricultural and other	$	18,093	$	(1,836)	$	313	$	5,902	$	22,472
Time and demand	15,283		(604)		155		5,712		20,546
Commercial credit cards	247		(209)		68		194		300
Equipment finance	—		—		—		569		569
Time and demand other	2,563		(1,023)		90		(573)		1,057
Real estate construction	4,220		—		9		2,682		6,911
Construction other	3,278		—		9		1,736		5,023
Construction residential	942		—		—		946		1,888
Residential real estate	12,625		(263)		143		6,798		19,303
Residential first lien	7,459		(124)		112		5,562		13,009
Residential junior lien/home equity	5,166		(139)		31		1,236		6,294
Commercial real estate	33,376		(1,887)		351		(3,941)		27,899
Multifamily	3,561		(411)		1		1,273		4,424
Nonowner occupied	24,838		(1,236)		340		(7,940)		16,002
Owner occupied	4,977		(240)		10		2,726		7,473
Loans to individuals	24,208		(3,113)		1,160		(2,747)		19,508
Automobile and recreational vehicles	21,392		(1,515)		699		(3,416)		17,160
Consumer credit cards	496		(415)		53		255		389
Consumer other	2,320		(1,183)		408		414		1,959
Total loans and leases	$	92,522	$	(7,099)	$	1,976	$	8,694	$	96,093

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, 2022
							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	$	22,472	$	1,380	$	21,092	$	1,169,206	$	3,853	$	1,165,353
Time and demand	20,546		1,380		19,166		1,012,169		3,853		1,008,316
Commercial credit cards	300		—		300		13,368		—		13,368
Equipment finance	569		—		569		43,777		—		43,777
Time and demand other	1,057		—		1,057		99,892		—		99,892
Real estate construction	6,911		—		6,911		422,690		—		422,690
Construction other	5,023		—		5,023		326,539		—		326,539
Construction residential	1,888		—		1,888		96,151		—		96,151
Residential real estate	19,303		—		19,303		2,153,904		—		2,153,904
Residential first lien	13,009		—		13,009		1,510,570		—		1,510,570
Residential junior lien/home equity	6,294		—		6,294		643,334		—		643,334
Commercial real estate	27,899		154		27,745		2,393,276		20,775		2,372,501
Multifamily	4,424		—		4,424		404,328		—		404,328
Nonowner occupied	16,002		154		15,848		1,516,255		20,101		1,496,154
Owner occupied	7,473		—		7,473		472,693		674		472,019
Loans to individuals	19,508		—		19,508		1,209,841		—		1,209,841
Automobile and recreational vehicles	17,160		—		17,160		1,120,838		—		1,120,838
Consumer credit cards	389		—		389		10,274		—		10,274
Consumer other	1,959		—		1,959		78,729		—		78,729
Total loans and leases	$	96,093	$	1,534	$	94,559	$	7,348,917	$	24,628	$	7,324,289


	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 and recreational vehicles	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 and leases	$	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 Three Months Ended September 30, 2022
	Beginning balance		Charge-offs		Recoveries		Provision (credit)a		Ending balance
	(dollars in thousands)
Commercial, financial, agricultural and other	$	21,989	$	(852)	$	154	$	1,181	$	22,472
Time and demand	19,921		(321)		77		869		20,546

Commercial credit cards	387		(132)		42		3		300
Equipment finance	272		—		—		297		569
Time and demand other	1,409		(399)		35		12		1,057
Real estate construction	5,529		—		9		1,373		6,911
Construction other	3,600		—		9		1,414		5,023
Construction residential	1,929		—		—		(41)		1,888
Residential real estate	17,747		(119)		83		1,592		19,303
Residential first lien	11,860		(79)		67		1,161		13,009
Residential junior lien/home equity	5,887		(40)		16		431		6,294
Commercial real estate	31,387		(1,335)		332		(2,485)		27,899
Multifamily	3,555		—		1		868		4,424
Nonowner occupied	20,953		(1,095)		330		(4,186)		16,002
Owner occupied	6,879		(240)		1		833		7,473
Loans to individuals	16,951		(1,064)		331		3,290		19,508
Automobile and recreational vehicles	14,563		(538)		156		2,979		17,160
Consumer credit cards	312		(182)		15		244		389
Consumer other	2,076		(344)		160		67		1,959
Total loans and leases	$	93,603	$	(3,370)	$	909	$	4,951	$	96,093

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, 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 and recreational vehicles	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 and leases	$	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.

^[1]

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