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Allowance For Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2022
Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery [Abstract]  
Schedule of High Risk Industries Additional Reserves
A breakout of the 4-rated balances within these portfolios and the additional reserve related to these portfolios is detailed in the following table:

June 30, 2022December 31, 2021
(in thousands)4-Rated BalanceAdditional Reserve4-Rated BalanceAdditional Reserve
Hotels and accommodations$152,081 $1,145 $148,018 $2,226 
Restaurants and food service45,797 517 40,648 917 
Strip shopping centers172,893 954 184,171 2,033 
Total$370,771 $2,616 $372,837 $5,176 

Additionally, at June 30, 2022, management applied a 0.75% reserve to all hotels and accommodations loans in the collectively evaluated population to account for increased valuation risk. This 0.75% reserve was reduced from 1.00% at December 31, 2021. At June 30, 2022, Park's originated hotels and accommodation loans had a balance of $199.0 million with an additional reserve related to valuation risks of $1.5 million. At December 31, 2021, Park's originated hotels and accommodation loans had a balance of $203.9 million with an additional reserve related to valuation risks of $2.0 million.
Activity In The Allowance For Loan Losses
The activity in the ACL for the three-month and six-month periods ended June 30, 2022 and June 30, 2021 is summarized in the following tables:

 Three Months Ended
June 30, 2022
(In thousands)Commercial,
financial and
agricultural		Commercial
real estate		Construction
real estate		Residential
real estate		ConsumerLeasesTotal
ACL:       
Beginning balance$13,288 $23,731 $4,230 $11,584 $25,797 $231 $78,861 
Charge-offs723 598 33 46 1,002 — 2,402 
Recoveries316 540 29 54 1,058 1 1,998 
Net charge-offs/(recoveries)$407 $58 $4 $(8)$(56)$(1)$404 
(Recovery of) provision for credit losses(134)(1,334)165 2,027 2,296 (29)2,991 
Ending balance$12,747 $22,339 $4,391 $13,619 $28,149 $203 $81,448 
 
 Three Months Ended
June 30, 2021
(In thousands)Commercial,
financial and
agricultural		Commercial
real estate		Construction
real estate		Residential
real estate		ConsumerLeasesTotal
ACL:       
Beginning balance$16,279 $24,487 $5,813 $14,037 $25,729 $541 $86,886 
Charge-offs308 — — 26 736 — 1,070 
Recoveries232 210 229 68 1,062 — 1,801 
Net charge-offs/(recoveries)$76 $(210)$(229)$(42)$(326)$— $(731)
(Recovery of) provision for credit losses(981)(1,948)(372)(966)206 21 (4,040)
Ending balance$15,222 $22,749 $5,670 $13,113 $26,261 $562 $83,577 

 Six Months Ended
June 30, 2022
(In thousands)Commercial,
financial and
agricultural		Commercial
real estate		Construction
real estate		Residential
real estate		ConsumerLeasesTotal
ACL:       
Beginning balance$14,025 $25,466 $5,758 $11,424 $26,286 $238 $83,197 
Charge-offs913 598 33 81 2,118 6 3,749 
Recoveries434 588 530 86 1,975 1 3,614 
Net charge-offs/(recoveries)$479 $10 $(497)$(5)$143 $5 $135 
(Recovery of) provision for credit losses(799)(3,117)(1,864)2,190 2,006 (30)(1,614)
Ending balance$12,747 $22,339 $4,391 $13,619 $28,149 $203 $81,448 

 Six Months Ended
June 30, 2021
(In thousands)Commercial,
financial and
agricultural		Commercial
real estate		Construction
real estate		Residential
real estate		ConsumerLeasesTotal
ACL:       
Beginning balance, prior to adoption of ASC 326$25,608 $23,480 $7,288 $11,363 $17,418 $518 $85,675 
Impact of adopting ASC 326(8,257)2,119 (1,898)3,121 10,925 80 6,090 
Charge-offs454 — — 37 2,280 — 2,771 
Recoveries355 296 481 130 2,216 — 3,478 
Net charge-offs/(recoveries)$99 $(296)$(481)$(93)$64 $— $(707)
Recovery of credit losses(2,030)(3,146)(201)(1,464)(2,018)(36)(8,895)
Ending balance$15,222 $22,749 $5,670 $13,113 $26,261 $562 $83,577 
Composition Of The Allowance For Loan Losses
The composition of the ACL at June 30, 2022 and December 31, 2021 was as follows:
 
 June 30, 2022
(In thousands)Commercial,
financial and
agricultural		Commercial
real estate		Construction
real estate		Residential
real estate		ConsumerLeasesTotal
ACL:       
Ending allowance balance attributed to loans:       
Individually evaluated for impairment$703$1,160$—$—$—$11$1,874
Collectively evaluated for impairment12,04421,1794,39113,61928,14919279,574
Acquired with deteriorated credit quality———————
Total ending allowance balance$12,747$22,339$4,391$13,619$28,149$203$81,448
Loan balance:       
Loans individually evaluated for impairment$11,916$27,109$459$2,105$—$934$42,523
Loans collectively evaluated for impairment1,304,3041,729,434320,2641,728,4571,809,08618,6836,910,228
Loans acquired with deteriorated credit quality1384,324676796——5,934
Total ending loan balance$1,316,358$1,760,867$321,399$1,731,358$1,809,086$19,617$6,958,685
ACL as a percentage of loan balance:       
Loans individually evaluated for impairment5.90 %4.28 %— %— %— %1.18 %4.41 %
Loans collectively evaluated for impairment0.92 %1.22 %1.37 %0.79 %1.56 %1.03 %1.15 %
Loans acquired with deteriorated credit quality— %— %— %— %— %— %— %
Total0.97 %1.27 %1.37 %0.79 %1.56 %1.03 %1.17 %
 December 31, 2021
(In thousands)Commercial,
financial and
agricultural		Commercial
real estate		Construction
real estate		Residential
real estate		ConsumerLeasesTotal
ACL:       
Ending allowance balance attributed to loans:       
Individually evaluated for impairment$1,385$188$—$—$—$43$1,616
Collectively evaluated for impairment12,64025,2785,75811,42426,28619581,581
Acquired with deteriorated credit quality———————
Total ending allowance balance$14,025$25,466$5,758$11,424$26,286$238$83,197
Loan balance:       
Loans individually evaluated for impairment$22,666$47,820$222$2,606$—$1,188$74,502
Loans collectively evaluated for impairment1,275,7831,748,854320,6081,735,2261,689,67919,3216,789,471
Loans acquired with deteriorated credit quality
1775,118956875—237,149
Total ending loan balance$1,298,626$1,801,792$321,786$1,738,707$1,689,679$20,532$6,871,122
ACL as a percentage of loan balance:       
Loans individually evaluated for impairment6.11 %0.39 %— %— %— %3.62 %2.17 %
Loans collectively evaluated for impairment0.99 %1.45 %1.80 %0.66 %1.56 %1.01 %1.20 %
Loans acquired with deteriorated credit quality— %— %— %— %— %— %— %
Total1.08 %1.41 %1.79 %0.66 %1.56 %1.16 %1.21 %