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ALLOWANCE FOR CREDIT LOSSES AND CREDIT QUALITY (Tables)
 3 Months Ended
Mar. 31, 2022
ALLOWANCE FOR CREDIT LOSSES AND CREDIT QUALITY  
In Allowance For Loan Losses and Recorded Investment In Loans By Portfolio Segment
The following tables present the activity in the allowance for credit losses by portfolio segment for the periods ended:
(dollars in thousands)Commercial and IndustrialCommercial Real Estate and Multifamily ResidentialAgri-business and AgriculturalOther CommercialConsumer 1-4 Family MortgageOther ConsumerUnallocatedTotal
Three Months Ended March 31, 2022                
Beginning balance, January 1$30,595 $26,535 $5,034 $1,146 $2,866 $1,147 $450 $67,773 
Provision for credit losses730 319 (273)(88)(248)(55)32 417 
Loans charged-off(19)(597)0 0 (22)(102)0 (740)
Recoveries16 0 0 0 10 50 0 76 
Net loans (charged-off) recovered(3)(597)0 0 (12)(52)0 (664)
Ending balance$31,322 $26,257 $4,761 $1,058 $2,606 $1,040 $482 $67,526 
(dollars in thousands)Commercial and IndustrialCommercial Real Estate and Multifamily ResidentialAgri-business and AgriculturalOther CommercialConsumer 1-4 Family MortgageOther ConsumerUnallocatedTotal
Three Months Ended March 31, 2021                
Beginning balance, January 1$28,333 $22,907 $3,043 $416 $2,619 $951 $3,139 $61,408 
Impact of adopting ASC 3264,312 4,316 1,060 941 953 349 (2,881)9,050 
Provision for credit losses(540)2,285 (202)(185)(233)13 339 1,477 
Loans charged-off(87)(71)0 0 (6)(72)0 (236)
Recoveries34 8 0 0 51 52 0 145 
Net loans (charged-off) recovered(53)(63)0 0 45 (20)0 (91)
Ending balance$32,052 $29,445 $3,901 $1,172 $3,384 $1,293 $597 $71,844 
Summary of Risk Category of Loans by Loan Segment and Origination Date and Credit Quality Indicators
The following table summarizes the risk category of loans by loan segment and origination date as of March 31, 2022:
(dollars in thousands)20222021202020192018PriorTerm TotalRevolvingTotal
Commercial and industrial loans:                  
Working capital lines of credit loans:                  
Pass$0 $3,082 $764 $3,045 $0 $0 $6,891 $593,938 $600,829 
Special Mention0 0 0 0 0 0 0 59,209 59,209 
Substandard0 0 74 0 0 0 74 18,542 18,616 
Total0 3,082 838 3,045 0 0 6,965 671,689 678,654 
Non-working capital loans:
Pass63,830 165,396 123,800 71,707 23,723 31,231 479,687 256,462 736,149 
Special Mention209 16,535 0 216 635 3,657 21,252 79 21,331 
Substandard0 2,937 6,380 862 2,370 5,217 17,766 3,835 21,601 
Not Rated399 2,105 1,627 710 417 96 5,354 0 5,354 
Total64,438 186,973 131,807 73,495 27,145 40,201 524,059 260,376 784,435 
Commercial real estate and multi-family residential loans:
Construction and land development loans:
Pass9,322 37,819 20,870 542 573 0 69,126 328,593 397,719 
Special Mention0 0 0 0 0 0 0 56 56 
Total9,322 37,819 20,870 542 573 0 69,126 328,649 397,775 
Owner occupied loans:
Pass20,705 166,777 174,001 108,181 78,260 126,142 674,066 28,228 702,294 
Special Mention0 6,277 0 865 909 9,180 17,231 0 17,231 
Substandard0 473 1,679 894 1,161 236 4,443 0 4,443 
Total20,705 173,527 175,680 109,940 80,330 135,558 695,740 28,228 723,968 
Nonowner occupied loans:
Pass41,921 142,070 146,588 105,635 21,701 87,080 544,995 47,604 592,599 
Special Mention0 11,667 307 0 0 14,120 26,094 0 26,094 
Total41,921 153,737 146,895 105,635 21,701 101,200 571,089 47,604 618,693 
Multifamily loans:
Pass2,665 67,930 37,909 36,337 17,105 11,969 21,061 177,871 13,605 191,476 
Special Mention22,178 0 0 0 0 0 22,178 0 22,178 
Total24,843 67,930 37,909 36,337 11,969 21,061 200,049 13,605 213,654 
Agri-business and agricultural loans:
Loans secured by farmland:
Pass4,748 46,921 35,089 12,005 10,034 25,189 133,986 24,532 158,518 
Special Mention0 0 1,985 2,278 0 210 4,473 899 5,372 
Substandard0 0 0 0 190 145 335 0 335 
Total4,748 46,921 37,074 14,283 10,224 25,544 138,794 25,431 164,225 
Loans for agricultural production:
Pass1,573 31,444 24,820 3,985 10,372 5,356 77,550 166,721 244,271 
Special Mention0 432 7,727 1,160 0 0 9,319 5,905 15,224 
Total1,573 31,876 32,547 5,145 10,372 5,356 86,869 172,626 259,495 
Other commercial loans:
Pass2,964 6,417 20,425 3,082 1,175 15,043 49,106 25,363 74,469 
Special Mention0 0 0 0 0 3,649 3,649 0 3,649 
Total2,964 6,417 20,425 3,082 1,175 18,692 52,755 25,363 78,118 
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans
Pass1,360 13,558 15,386 5,197 5,722 4,604 45,827 6,191 52,018 
Substandard0 0 0 0 88 3,050 3,138 0 3,138 
Not Rated8,079 47,296 24,338 8,764 4,069 32,489 125,035 0 125,035 
Total9,439 60,854 39,724 13,961 9,879 40,143 174,000 6,191 180,191 
Open end and junior lien loans
Pass0 453 662 374 115 103 0 1,254 4,900 6,154 
Substandard0 0 0 0 0 2 2 26 28 
Not Rated14,626 18,637 4,667 4,967 2,976 3,304 49,177 104,879 154,056 
Total14,626 19,299 5,041 5,082 3,079 3,306 50,433 109,805 160,238 
Residential construction loans
Not Rated1,420 4,756 6,189 1,158 892 136 1,278 11,073 0 11,073 
Total1,420 6,189 1,158 892 136 1,278 11,073 0 11,073 
Other consumer loans
Pass78 2,302 787 1,167 0 1,088 5,422 17,046 22,468 
Substandard0 0 22 219 0 0 241 41 282 
Not Rated5,320 19,432 13,237 6,122 4,878 2,509 51,498 8,947 60,445 
Total5,398 21,734 14,046 7,508 4,878 3,597 57,161 26,034 83,195 
TOTAL$201,397 $816,358 $664,014 $378,947 $181,461 $395,936 $2,638,113 $1,715,601 $4,353,714 
The following table summarizes the risk category of loans by loan segment and origination date as of December 31, 2021:
(dollars in thousands)20212020201920182017PriorTerm TotalRevolvingTotal
Commercial and industrial loans:                  
Working capital lines of credit loans:                  
Pass$3,699 $830 $3,360 $0 $0 $0 $7,889 $558,634 $566,523 
Special Mention0 0 0 0 0 0 0 60,441 60,441 
Substandard0 0 35 0 0 0 35 25,928 25,963 
Total3,699 830 3,395 0 0 0 7,924 645,003 652,927 
Non-working capital loans:
Pass185,374 139,157 79,477 38,899 19,415 18,489 480,811 203,794 684,605 
Special Mention17,728 0 225 979 2,350 1,426 22,708 0 22,708 
Substandard2,996 6,948 1,091 2,534 5,465 426 19,460 3,321 22,781 
Not Rated2,265 1,758 837 563 128 14 5,565 0 5,565 
Total208,363 147,863 81,630 42,975 27,358 20,355 528,544 207,115 735,659 
Commercial real estate and multi-family residential loans:
Construction and land development loans:
Pass35,136 30,224 1,276 998 0 0 67,634 310,396 378,030 
Total35,136 30,224 1,276 998 0 0 67,634 310,396 378,030 
Owner occupied loans:
Pass135,861 169,404 124,117 85,070 78,155 93,925 686,532 29,611 716,143 
Special Mention6,555 0 880 933 7,387 1,235 16,990 0 16,990 
Substandard489 1,570 909 1,758 694 238 5,658 0 5,658 
Total142,905 170,974 125,906 87,761 86,236 95,398 709,180 29,611 738,791 
Nonowner occupied loans:
Pass146,342 154,433 107,262 19,054 31,023 59,154 517,268 44,362 561,630 
Special Mention11,825 331 0 0 0 14,253 26,409 0 26,409 
Total158,167 154,764 107,262 19,054 31,023 73,407 543,677 44,362 588,039 
Multifamily loans:
Pass84,678 53,195 36,575 12,286 17,105 14,574 9,793 211,101 13,434 224,535 
Special Mention0 0 0 0 22,252 0 22,252 0 22,252 
Total84,678 53,195 36,575 12,286 36,826 9,793 233,353 13,434 246,787 
Agri-business and agricultural loans:
Loans secured by farmland:
Pass47,532 37,035 16,249 10,469 10,454 17,021 138,760 61,774 200,534 
Special Mention0 1,985 2,303 0 180 30 4,498 918 5,416 
Substandard207 0 0 0 0 145 352 0 352 
Total47,739 39,020 18,552 10,469 10,634 17,196 143,610 62,692 206,302 
Loans for agricultural production:
Pass36,238 25,855 4,224 11,072 1,331 4,178 82,898 138,142 221,040 
Special Mention448 8,642 1,171 0 0 0 10,261 8,272 18,533 
Total36,686 34,497 5,395 11,072 1,331 4,178 93,159 146,414 239,573 
Other commercial loans:
Pass6,556 21,111 3,243 1,273 8,592 7,460 48,235 21,145 69,380 
Special Mention0 0 0 0 0 3,798 3,798 0 3,798 
Total6,556 21,111 3,243 1,273 8,592 11,258 52,033 21,145 73,178 
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans
Pass14,635 16,173 5,312 5,903 3,049 3,221 48,293 5,005 53,298 
Special Mention0 0 0 0 0 1,274 1,274 0 1,274 
Not Rated45,089 27,738 9,248 5,217 7,628 26,321 121,241 482 121,723 
Total59,724 43,911 14,560 11,120 10,677 30,816 170,808 5,487 176,295 
Open end and junior lien loans
Pass679 453 379 159 313 0 0 1,530 5,074 6,604 
Substandard0 0 0 0 0 0 0 98 98 
Not Rated21,945 5,624 5,987 3,899 1,653 1,526 40,634 110,523 151,157 
Total22,624 6,003 6,146 4,212 1,653 1,526 42,164 115,695 157,859 
Residential construction loans
Not Rated7,926 4,756 1,537 960 138 171 1,125 11,857 0 11,857 
Total7,926 1,537 960 138 171 1,125 11,857 0 11,857 
Other consumer loans
Pass3,401 957 1,523 0 1,155 0 7,036 12,998 20,034 
Substandard36 23 230 0 0 0 289 0 289 
Not Rated21,652 14,931 7,474 5,844 1,890 1,203 52,994 9,227 62,221 
Total25,089 15,911 9,227 5,844 3,045 1,203 60,319 22,225 82,544 
TOTAL$839,292 $719,840 $414,127 $207,202 $217,546 $266,255 $2,664,262 $1,623,579 $4,287,841 
Schedule of Aging of the Amortized Cost Basis In Past Due Loans
The following table presents the aging of the amortized cost basis in past due loans as of March 31, 2022 by class of loans and loans past due 90 days or more and still accruing by class of loan:
(dollars in thousands)Loans Not Past Due30-89 Days Past DueGreater than 89 Days Past Due and AccruingTotal AccruingTotal NonaccrualNonaccrual With No Allowance For Credit LossTotal
Commercial and industrial loans:            
Working capital lines of credit loans$678,654 $0 $0 $674,338 $4,316 $238 $678,654 
Non-working capital loans781,306 3,129 0 778,863 5,572 4,546 784,435 
Commercial real estate and multi-family residential loans:
Construction and land development loans397,775 0 0 397,775 0 0 397,775 
Owner occupied loans723,968 0 0 720,812 3,156 1,516 723,968 
Nonowner occupied loans618,693 0 0 618,693 0 0 618,693 
Multifamily loans213,654 0 0 213,654 0 0 213,654 
Agri-business and agricultural loans:
Loans secured by farmland164,225 0 0 163,890 335 0 164,225 
Loans for agricultural production259,495 0 0 259,495 0 0 259,495 
Other commercial loans78,118 0 0 78,118 0 0 78,118 
Consumer 1‑4 family mortgage loans:
Closed end first mortgage loans179,872 301 18 179,980 211 140 180,191 
Open end and junior lien loans160,043 195 0 160,210 28 28 160,238 
Residential construction loans11,073 0 0 11,073 0 0 11,073 
Other consumer loans83,150 45 0 82,913 282 0 83,195 
Total$4,350,026 $3,670 $18 $4,339,814 $13,900 $6,468 $4,353,714 
The following table presents the aging of the amortized cost basis in past due loans as of December 31, 2021 by class of loans and loans past due 90 days or more and still accruing by class of loan:
(dollars in thousands)Loans Not Past Due30-89 Days Past DueGreater than 89 Days Past Due and AccruingTotal AccruingTotal NonaccrualNonaccrual With No Allowance For Credit LossTotal
Commercial and industrial loans:            
Working capital lines of credit loans$652,903 $24 $0 $646,961 $5,966 $5,200 $652,927 
Non-working capital loans735,658 1 0 731,063 4,596 229 735,659 
Commercial real estate and multi-family residential loans:
Construction and land development loans378,030 0 0 378,030 0 0 378,030 
Owner occupied loans738,791 0 0 735,157 3,634 2,129 738,791 
Nonowner occupied loans588,039 0 0 588,039 0 0 588,039 
Multifamily loans246,787 0 0 246,787 0 0 246,787 
Agri-business and agricultural loans:
Loans secured by farmland206,302 0 0 205,967 335 0 206,302 
Loans for agricultural production239,573 0 0 239,573 0 0 239,573 
Other commercial loans73,178 0 0 73,178 0 0 73,178 
Consumer 1‑4 family mortgage loans:
Closed end first mortgage loans175,678 500 117 176,240 55 55 176,295 
Open end and junior lien loans157,729 130 0 157,761 98 98 157,859 
Residential construction loans11,857 0 0 11,857 0 0 11,857 
Other consumer loans82,472 72 0 82,255 289 0 82,544 
Total$4,286,997 $727 $117 $4,272,868 $14,973 $7,711 $4,287,841 
Schedule of Amortized Cost Basis Of Collateral Dependent Loans
The following tables present the amortized cost basis of collateral dependent loans by class of loan as of:
March 31, 2022
(dollars in thousands)Real EstateGeneral
Business
 Assets		OtherTotal
Commercial and industrial loans:      
Working capital lines of credit loans$74 $5,497 $0 $5,571 
Non-working capital loans1,581 9,525 229 11,335 
Commercial real estate and multi-family residential loans:
Owner occupied loans960 1,500 1,161 3,621 
Agri-business and agricultural loans:
Loans secured by farmland190 145 0 335 
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans3,141 0 0 3,141 
Open end and junior lien loans28 0 0 28 
Other consumer loans0 0 63 63 
Total$5,974 $16,667 $1,453 $24,094 
December 31, 2021
(dollars in thousands)Real EstateGeneral
Business
 Assets		OtherTotal
Commercial and industrial loans:      
Working capital lines of credit loans$0 $5,966 $0 $5,966 
Non-working capital loans1,606 9,475 229 11,310 
Commercial real estate and multi-family residential loans:
Owner occupied loans1,435 1,505 1,161 4,101 
Agri-business and agricultural loans:
Loans secured by farmland190 145 0 335 
Consumer 1-4 family mortgage loans:
Closed end first mortgage loans3,081 0 0 3,081 
Open end and junior lien loans98 0 0 98 
Other consumer loans0 0 59 59 
Total$6,312 $17,091 $1,449 $24,950 
Troubled Debt Restructuring
(dollars in thousands)March 31,
2022		December 31,
2021
Accruing troubled debt restructured loans$4,976 $5,121 
Nonaccrual troubled debt restructured loans6,443 6,218 
Total troubled debt restructured loans$11,419 $11,339 
Loans by Class Modified as Troubled Debt Restructurings
(dollars in thousands)Number of LoansPre-Modification Outstanding Recorded InvestmentPost-Modification Outstanding Recorded Investment
Troubled Debt Restructurings
Commercial and industrial loans:
Working capital lines of credit loans1 $226 $226 
Total1 $226 $226