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Loans and Leases (Tables)

6 Months Ended

Jun. 30, 2022

Summary of Major Loan and Lease Categories


(Dollars in thousands)	At June 30, 2022		At December 31, 2021
Commercial, financial and agricultural	$	1,028,354	$	956,396
Paycheck Protection Program	5,358		31,748
Real estate-commercial	2,870,286		2,718,535
Real estate-construction	319,449		283,918
Real estate-residential secured for business purpose	419,652		409,900
Real estate-residential secured for personal purpose	629,144		540,566
Real estate-home equity secured for personal purpose	168,536		158,909
Loans to individuals	27,061		25,504
Lease financings	193,937		184,541
Total loans and leases held for investment, net of deferred income	$	5,661,777	$	5,310,017
Less: Allowance for credit losses, loans and leases	(72,011)		(71,924)
Net loans and leases held for investment	$	5,589,766	$	5,238,093
Imputed interest on lease financings, included in the above table	$	(19,650)	$	(19,104)
Net deferred costs, included in the above table	5,597		3,408
Overdraft deposits included in the above table	190		4,268

Schedule of Age Analysis of Past Due Loans and Leases

Age Analysis of Past Due Loans and Leases

The following presents, by class of loans and leases held for investment, an aging of past due loans and leases, loans and leases which are current and nonaccrual loans and leases at June 30, 2022 and December 31, 2021:


	Accruing Loans and Leases
(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current		Total Accruing Loans and Leases		Nonaccrual Loans and Leases		Total Loans and Leases Held for Investment
At June 30, 2022
Commercial, financial and agricultural	$	1,446	$	226	$	—	$	1,672	$	1,026,234	$	1,027,906	$	448	$	1,028,354
Paycheck Protection Program	472		—		—		472		4,886		5,358		—		5,358
Real estate—commercial real estate and construction:
Commercial real estate	658		2,000		2,561		5,219		2,855,930		2,861,149		9,137		2,870,286
Construction	—		—		—		—		319,449		319,449		—		319,449
Real estate—residential and home equity:
Residential secured for business purpose	1,096		355		—		1,451		417,240		418,691		961		419,652
Residential secured for personal purpose	843		—		—		843		626,099		626,942		2,202		629,144
Home equity secured for personal purpose	296		—		39		335		167,807		168,142		394		168,536
Loans to individuals	79		40		90		209		26,852		27,061		—		27,061
Lease financings	163		40		94		297		193,427		193,724		213		193,937
Total	$	5,053	$	2,661	$	2,784	$	10,498	$	5,637,924	$	5,648,422	$	13,355	$	5,661,777


	Accruing Loans and Leases
(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current		Total Accruing Loans and Leases		Nonaccrual Loans and Leases		Total Loans and Leases Held for Investment
At December 31, 2021
Commercial, financial and agricultural	$	3,407	$	894	$	—	$	4,301	$	951,647	$	955,948	$	448	$	956,396
Paycheck Protection Program	367		—		—		367		31,381		31,748		—		31,748
Real estate—commercial real estate and construction:
Commercial real estate	234		—		—		234		2,690,401		2,690,635		27,900		2,718,535
Construction	—		—		—		—		283,918		283,918		—		283,918
Real estate—residential and home equity:
Residential secured for business purpose	542		—		216		758		406,955		407,713		2,187		409,900
Residential secured for personal purpose	2,976		162		—		3,138		535,379		538,517		2,049		540,566
Home equity secured for personal purpose	646		129		—		775		157,589		158,364		545		158,909
Loans to individuals	90		27		180		297		25,207		25,504		—		25,504
Lease financings	774		397		102		1,273		183,187		184,460		81		184,541
Total	$	9,036	$	1,609	$	498	$	11,143	$	5,265,664	$	5,276,807	$	33,210	$	5,310,017

Schedule of Nonperforming Loans and Leases

Nonperforming Loans and Leases

The following presents, by class of loans and leases, nonperforming loans and leases at June 30, 2022 and December 31, 2021.


	At June 30, 2022								At December 31, 2021
(Dollars in thousands)	Nonaccrual Loans and Leases*		Accruing Troubled Debt Restructured Loans and Lease Modifications		Loans and Leases 90 Days or more Past Due and Accruing Interest		Total Nonperforming Loans and Leases		Nonaccrual Loans and Leases*		Accruing Troubled Debt Restructured Loans and Lease Modifications		Loans and Leases 90 Days or more Past Due and Accruing Interest		Total Nonperforming Loans and Leases


Commercial, financial and agricultural	$	448	$	—	$	—	$	448	$	448	$	—	$	—	$	448
Real estate—commercial real estate and construction:
Commercial real estate	9,137		—		2,561		11,698		27,900		—		—		27,900

Real estate—residential and home equity:
Residential secured for business purpose	961		—		—		961		2,187		—		216		2,403
Residential secured for personal purpose	2,202		—		—		2,202		2,049		—		—		2,049
Home equity secured for personal purpose	394		50		39		483		545		51		—		596
Loans to individuals	—		—		90		90		—		—		180		180
Lease financings	213		—		94		307		81		—		102		183
Total	$	13,355	$	50	$	2,784	$	16,189	$	33,210	$	51	$	498	$	33,759

*Includes nonaccrual troubled debt restructured loans of $808 thousand and $758 thousand at June 30, 2022 and December 31, 2021, respectively.

Nonaccrual Loan and Lease Data

The following table presents the amortized cost basis of loans and leases held for investment on nonaccrual status and loans and leases held for investment 90 days or more past due and still accruing as of June 30, 2022 and December 31, 2021.


(Dollars in thousands)	Nonaccrual With No ACL		Nonaccrual With ACL		Total Nonaccrual		Loans and Leases 90 Days or more Past Due and Accruing Interest
At June 30, 2022
Commercial, financial and agricultural	$	448	$	—	$	448	$	—
Real estate-commercial	5,638		3,499		9,137		2,561

Real estate-residential secured for business purpose	961		—		961		—
Real estate-residential secured for personal purpose	2,202		—		2,202		—
Real estate-home equity secured for personal purpose	394		—		394		39
Loans to individuals	—		—		—		90
Lease financings	—		213		213		94
Total	$	9,643	$	3,712	$	13,355	$	2,784
At December 31, 2021
Commercial, financial and agricultural	$	448	$	—	$	448	$	—
Real estate-commercial	27,818		82		27,900		—

Real estate-residential secured for business purpose	2,187		—		2,187		216
Real estate-residential secured for personal purpose	2,049		—		2,049		—
Real estate-home equity secured for personal purpose	545		—		545		—
Loans to individuals	—		—		—		180
Lease financings	—		81		81		102
Total	$	33,047	$	163	$	33,210	$	498

For the six months ended June 30, 2022, $23 thousand of interest income was recognized on nonaccrual loans and leases.

The following table presents, by class of loans and leases, the amortized cost basis of collateral-dependent nonaccrual loans and leases and type of collateral as of June 30, 2022 and December 31, 2021.


(Dollars in thousands)	Real Estate		Other (1)		None (2)		Total
At June 30, 2022
Commercial, financial and agricultural	$	273	$	—	$	175	$	448
Real estate-commercial	9,137		—		—		9,137

Real estate-residential secured for business purpose	961		—		—		961
Real estate-residential secured for personal purpose	2,202		—		—		2,202
Real estate-home equity secured for personal purpose	394		—		—		394

Lease financings	—		213		—		213
Total	$	12,967	$	213	$	175	$	13,355

(Dollars in thousands)	Real Estate		Other (1)		None (2)		Total
At December 31, 2021
Commercial, financial and agricultural	$	273	$	—	$	175	$	448
Real estate-commercial	27,900		—		—		27,900

Real estate-residential secured for business purpose	2,187		—		—		2,187
Real estate-residential secured for personal purpose	2,049		—		—		2,049
Real estate-home equity secured for personal purpose	545		—		—		545

Lease financings	—		81		—		81
Total	$	32,954	$	81	$	175	$	33,210

(1) Collateral consists of business assets, including accounts receivable, personal property and equipment.

(2) Loans fully guaranteed by the SBA.

Summary of Commercial Credit Quality Indicators

Credit Quality Indicators

The Corporation categorizes risk based on relevant information about the ability of the borrower to service their debt. Loans with a relationship balance of less than $1 million are reviewed when necessary based on their performance, primarily when such loans are delinquent. Loans with relationships greater than $1 million are reviewed at least annually. Loan relationships with a higher risk profile or classified as special mention or substandard are reviewed at least quarterly. The Corporation reviews credit quality key risk indicators on at least an annual basis and last completed this review in conjunction with the period ended December 31, 2021. The following is a description of the internal risk ratings and the likelihood of loss related to the credit quality of Commercial, financial and agricultural loans, Paycheck Protection Program loans, Real estate-commercial loans, Real estate-construction loans and Real estate-residential secured for a business purpose loans.

1.Pass—Loans considered satisfactory with no indications of deterioration

2.Special Mention—Potential weakness that deserves management's close attention

3.Substandard—Well-defined weakness or weaknesses that jeopardize the liquidation of the debt

4.Doubtful—Collection or liquidation in-full, on the basis of current existing facts, conditions and values, highly questionable and improbable

Based on the most recent analysis performed, the following table presents the recorded investment in loans and leases held for investment for commercial, financial and agricultural loans, Paycheck Protection Program loans, real estate-commercial loans, real estate-construction loans and real estate-residential secured for a business purpose loans by credit quality indicator at June 30, 2022 and December 31, 2021.


	Term Loans Amortized Cost Basis by Origination Year
(Dollars in thousands)	2022		2021		2020		2019		2018		Prior		Revolving Loans Amortized Cost Basis		Total
At June 30, 2022
Commercial, Financial and Agricultural
Risk Rating
1. Pass	$	114,553	$	187,158	$	59,200	$	33,100	$	39,711	$	60,763	$	478,196	$	972,681
2. Special Mention	8,103		2,155		3,086		8,568		87		34		28,577		50,610
3. Substandard	—		—		—		—		—		200		4,863		5,063

Total	$	122,656	$	189,313	$	62,286	$	41,668	$	39,798	$	60,997	$	511,636	$	1,028,354

Paycheck Protection Program
Risk Rating
1. Pass	$	323	$	5,035	$	—	$	—	$	—	$	—	$	—	$	5,358
2. Special Mention	—		—		—		—		—		—		—		—
3. Substandard	—		—		—		—		—		—		—		—

Total	$	323	$	5,035	$	—	$	—	$	—	$	—	$	—	$	5,358

Real Estate-Commercial
Risk Rating
1. Pass	$	460,020	$	736,374	$	812,237	$	345,087	$	138,842	$	280,762	$	45,067	$	2,818,389
2. Special Mention	898		2,517		7,093		16,082		8,672		5,290		1,902		42,454
3. Substandard	—		—		1,785		3,499		3,331		828		—		9,443

Total	$	460,918	$	738,891	$	821,115	$	364,668	$	150,845	$	286,880	$	46,969	$	2,870,286

Real Estate-Construction
Risk Rating
1. Pass	$	79,406	$	105,607	$	31,266	$	35,893	$	—	$	273	$	14,918	$	267,363
2. Special Mention	—		26,062		500		5,524		20,000		—		—		52,086
3. Substandard	—		—		—		—		—		—		—		—

Total	$	79,406	$	131,669	$	31,766	$	41,417	$	20,000	$	273	$	14,918	$	319,449

Real Estate-Residential Secured for Business Purpose
Risk Rating
1. Pass	$	69,306	$	135,554	$	75,191	$	42,810	$	28,404	$	37,346	$	28,873	$	417,484
2. Special Mention	—		—		251		—		—		954		—		1,205
3. Substandard	—		—		27		—		43		744		149		963

Total	$	69,306	$	135,554	$	75,469	$	42,810	$	28,447	$	39,044	$	29,022	$	419,652

Totals By Risk Rating
1. Pass	$	723,608	$	1,169,728	$	977,894	$	456,890	$	206,957	$	379,144	$	567,054	$	4,481,275
2. Special Mention	9,001		30,734		10,930		30,174		28,759		6,278		30,479		146,355
3. Substandard	—		—		1,812		3,499		3,374		1,772		5,012		15,469

Total	$	732,609	$	1,200,462	$	990,636	$	490,563	$	239,090	$	387,194	$	602,545	$	4,643,099


	Term Loans Amortized Cost Basis by Origination Year
(Dollars in thousands)	2021		2020		2019		2018		2017		Prior		Revolving Loans Amortized Cost Basis		Total
At December 31, 2021
Commercial, Financial and Agricultural
Risk Rating
1. Pass	$	215,197	$	79,739	$	69,618	$	52,507	$	23,253	$	49,827	$	442,288	$	932,429
2. Special Mention	1,001		3,459		2,389		394		428		1,231		10,162		19,064
3. Substandard	—		—		—		—		16		200		4,687		4,903

Total	$	216,198	$	83,198	$	72,007	$	52,901	$	23,697	$	51,258	$	457,137	$	956,396

Paycheck Protection Program
Risk Rating
1. Pass	$	31,554	$	194	$	—	$	—	$	—	$	—	$	—	$	31,748
2. Special Mention	—		—		—		—		—		—		—		—
3. Substandard	—		—		—		—		—		—		—		—

Total	$	31,554	$	194	$	—	$	—	$	—	$	—	$	—	$	31,748

Real Estate-Commercial
Risk Rating
1. Pass	$	802,878	$	858,426	$	407,944	$	155,892	$	195,756	$	172,702	$	48,354	$	2,641,952
2. Special Mention	2,567		14,338		23,134		—		916		5,630		98		46,683
3. Substandard	—		22,055		3,405		1,995		1,110		1,335		—		29,900

Total	$	805,445	$	894,819	$	434,483	$	157,887	$	197,782	$	179,667	$	48,452	$	2,718,535

Real Estate-Construction
Risk Rating
1. Pass	$	137,622	$	59,952	$	38,592	$	9,995	$	198	$	—	$	8,543	$	254,902
2. Special Mention	4,684		500		3,832		20,000		—		—		—		29,016
3. Substandard	—		—		—		—		—		—		—		—

Total	$	142,306	$	60,452	$	42,424	$	29,995	$	198	$	—	$	8,543	$	283,918

Real Estate-Residential Secured for Business Purpose
Risk Rating
1. Pass	$	154,423	$	84,982	$	51,970	$	34,373	$	28,852	$	25,819	$	25,564	$	405,983
2. Special Mention	210		352		—		—		73		1,093		—		1,728
3. Substandard	—		—		—		45		24		1,549		571		2,189

Total	$	154,633	$	85,334	$	51,970	$	34,418	$	28,949	$	28,461	$	26,135	$	409,900

Totals By Risk Rating
1. Pass	$	1,341,674	$	1,083,293	$	568,124	$	252,767	$	248,059	$	248,348	$	524,749	$	4,267,014
2. Special Mention	8,462		18,649		29,355		20,394		1,417		7,954		10,260		96,491
3. Substandard	—		22,055		3,405		2,040		1,150		3,084		5,258		36,992

Total	$	1,350,136	$	1,123,997	$	600,884	$	275,201	$	250,626	$	259,386	$	540,267	$	4,400,497

The Corporation had no revolving loans which were converted to term loans included within recorded investment in loans and leases held for investment at June 30, 2022 or December 31, 2021. The Corporation had no loans with a risk rating of Doubtful included within recorded investment in loans and leases held for investment at June 30, 2022 or December 31, 2021.

Summary of Credit Exposure

The Corporation monitors the credit risk profile by payment activity for the following classifications of loans and leases: real estate-residential secured for personal purpose loans, real estate-home equity secured for personal purpose loans, loans to individuals and Lease financings. The Corporation reviews credit quality indicators on at least an annual basis and last completed this review in conjunction with the period ended December 31, 2021. Loans and leases past due 90 days or more, loans and leases on nonaccrual status and troubled debt restructured loans and lease modifications are considered nonperforming. Nonperforming loans and leases are reviewed monthly. Performing loans and leases are reviewed only if the loan becomes 60 days or more past due.

Based on the most recent analysis performed, the following table presents the recorded investment in loans and leases held for investment for real estate-residential secured for personal purpose loans, real estate-home equity secured for personal purpose loans, loans to individuals and Lease financings by credit quality indicator at June 30, 2022 and December 31, 2021.


	Term Loans Amortized Cost Basis by Origination Year
(Dollars in thousands)	2022		2021		2020		2019		2018		Prior		Revolving Loans Amortized Cost Basis		Total
At June 30, 2022
Real Estate-Residential Secured for Personal Purpose
Payment Performance
1. Performing	$	132,388	$	213,125	$	150,423	$	27,132	$	20,179	$	83,667	$	28	$	626,942
2. Nonperforming	—		51		605		—		341		1,205		—		2,202
Total	$	132,388	$	213,176	$	151,028	$	27,132	$	20,520	$	84,872	$	28	$	629,144

Real Estate-Home Equity Secured for Personal Purpose
Payment Performance
1. Performing	$	1,599	$	836	$	635	$	231	$	295	$	1,893	$	162,564	$	168,053
2. Nonperforming	—		—		—		—		169		6		308		483
Total	$	1,599	$	836	$	635	$	231	$	464	$	1,899	$	162,872	$	168,536

Loans to Individuals
Payment Performance
1. Performing	$	893	$	1,053	$	711	$	441	$	268	$	1,509	$	22,096	$	26,971
2. Nonperforming	—		—		—		—		—		66		24		90
Total	$	893	$	1,053	$	711	$	441	$	268	$	1,575	$	22,120	$	27,061

Lease Financings
Payment Performance
1. Performing	$	43,387	$	72,852	$	42,810	$	22,122	$	10,567	$	1,892	$	—	$	193,630
2. Nonperforming	13		188		38		21		26		21		—		307
Total	$	43,400	$	73,040	$	42,848	$	22,143	$	10,593	$	1,913	$	—	$	193,937

Totals by Payment Performance
1. Performing	$	178,267	$	287,866	$	194,579	$	49,926	$	31,309	$	88,961	$	184,688	$	1,015,596
2. Nonperforming	13		239		643		21		536		1,298		332		3,082
Total	$	178,280	$	288,105	$	195,222	$	49,947	$	31,845	$	90,259	$	185,020	$	1,018,678


	Term Loans Amortized Cost Basis by Origination Year
(Dollars in thousands)	2021		2020		2019		2018		2017		Prior		Revolving Loans Amortized Cost Basis		Total
At December 31, 2021
Real Estate-Residential Secured for Personal Purpose
Payment Performance
1. Performing	$	219,680	$	162,609	$	34,102	$	23,065	$	19,912	$	78,960	$	189	$	538,517
2. Nonperforming	53		634		—		371		—		991		—		2,049
Total	$	219,733	$	163,243	$	34,102	$	23,436	$	19,912	$	79,951	$	189	$	540,566

Real Estate-Home Equity Secured for Personal Purpose
Payment Performance
1. Performing	$	961	$	876	$	370	$	415	$	704	$	1,655	$	153,332	$	158,313
2. Nonperforming	—		—		—		173		—		60		363		596
Total	$	961	$	876	$	370	$	588	$	704	$	1,715	$	153,695	$	158,909

Loans to Individuals
Payment Performance
1. Performing	$	1,376	$	893	$	722	$	466	$	100	$	1,673	$	20,094	$	25,324
2. Nonperforming	—		—		—		—		—		180		—		180
Total	$	1,376	$	893	$	722	$	466	$	100	$	1,853	$	20,094	$	25,504

Lease Financings
Payment Performance
1. Performing	$	83,161	$	51,808	$	28,405	$	16,389	$	4,204	$	391	$	—	$	184,358
2. Nonperforming	—		14		64		58		7		40		—		183
Total	$	83,161	$	51,822	$	28,469	$	16,447	$	4,211	$	431	$	—	$	184,541

Totals by Payment Performance
1. Performing	$	305,178	$	216,186	$	63,599	$	40,335	$	24,920	$	82,679	$	173,615	$	906,512
2. Nonperforming	53		648		64		602		7		1,271		363		3,008
Total	$	305,231	$	216,834	$	63,663	$	40,937	$	24,927	$	83,950	$	173,978	$	909,520

The Corporation had no revolving loans which were converted to term loans included within recorded investment in loans and leases held for investment at June 30, 2022 or December 31, 2021.

Summary of Activity in the Allowance for Credit Losses, Loans and Leases

Allowance for Credit Losses on Loans and Leases and Recorded Investment in Loans and Leases

The following presents, by portfolio segment, a summary of the activity in the allowance for credit losses, loans and leases, for the three and six months ended June 30, 2022 and 2021. There were no changes to the reasonable and supportable forecast period, the reversion period, or any significant methodology changes during the three and six months ended June 30, 2022.


(Dollars in thousands)	Beginning balance		Provision (reversal of provision) for credit losses		Charge-offs		Recoveries		Ending balance
Three Months Ended June 30, 2022
Allowance for credit losses, loans and leases:
Commercial, financial and agricultural	$	11,840	$	1,123	$	—	$	41	$	13,004
Paycheck Protection Program	1		(1)		—		—		—
Real estate-commercial	40,426		2,942		(1,690)		—		41,678
Real estate-construction	3,634		589		—		—		4,223
Real estate-residential secured for business purpose	6,202		215		—		3		6,420
Real estate-residential secured for personal purpose	2,592		345		—		—		2,937
Real estate-home equity secured for personal purpose	976		110		—		(12)		1,074
Loans to individuals	369		14		(27)		20		376
Lease financings	2,246		103		(58)		8		2,299
Unallocated	—		—		N/A		N/A		—
Total	$	68,286	$	5,440	$	(1,775)	$	60	$	72,011
Three Months Ended June 30, 2021
Allowance for credit losses, loans and leases:
Commercial, financial and agricultural	$	10,233	$	1,689	$	(350)	$	162	$	11,734
Paycheck Protection Program	—		3		—		—		3
Real estate-commercial	45,459		(2,347)		(523)		605		43,194
Real estate-construction	2,799		850		—		—		3,649
Real estate-residential secured for business purpose	6,692		260		(227)		22		6,747
Real estate-residential secured for personal purpose	3,056		(436)		—		—		2,620
Real estate-home equity secured for personal purpose	1,257		(155)		—		22		1,124
Loans to individuals	447		(145)		(23)		40		319
Lease financings	1,404		382		(18)		47		1,815
Unallocated	150		—		N/A		N/A		150
Total	$	71,497	$	101	$	(1,141)	$	898	$	71,355

N/A – Not applicable


(Dollars in thousands)	Beginning balance		(Reversal of provision) provision for credit losses		Charge-offs		Recoveries		Ending balance
Six Months Ended June 30, 2022
Allowance for credit losses, loans and leases:
Commercial, financial and agricultural	$	13,536	$	(548)	$	(214)	$	230	$	13,004
Paycheck Protection Program	2		(2)		—		—		—
Real estate-commercial	41,095		2,273		(1,690)		—		41,678
Real estate-construction	4,575		(352)		—		—		4,223
Real estate-residential secured for business purpose	6,482		(113)		—		51		6,420
Real estate-residential secured for personal purpose	2,403		534		—		—		2,937
Real estate-home equity secured for personal purpose	1,028		57		—		(11)		1,074
Loans to individuals	363		71		(102)		44		376
Lease financings	2,290		108		(117)		18		2,299
Unallocated	150		(150)		N/A		N/A		—
Total	$	71,924	$	1,878	$	(2,123)	$	332	$	72,011
Six Months Ended June 30, 2021
Allowance for credit losses, loans and leases:
Commercial, financial and agricultural	$	13,584	$	(1,389)	$	(688)	$	227	$	11,734
Paycheck Protection Program	—		3		—		—		3
Real estate-commercial	52,230		(9,118)		(523)		605		43,194
Real estate-construction	3,298		351		—		—		3,649
Real estate-residential secured for business purpose	7,317		(419)		(227)		76		6,747
Real estate-residential secured for personal purpose	3,055		(435)		—		—		2,620
Real estate-home equity secured for personal purpose	1,176		(76)		—		24		1,124
Loans to individuals	533		(203)		(79)		68		319
Lease financings	1,701		128		(109)		95		1,815
Unallocated	150		—		N/A		N/A		150
Total	$	83,044	$	(11,158)	$	(1,626)	$	1,095	$	71,355

Schedule of Allowance for Loan and Lease Credit Losses and Recorded Investment in Loans and Leases

The following presents, by portfolio segment, the balance in the ACL on loans and leases, disaggregated on the basis of whether the loan or lease was measured for credit loss as a pooled loan or lease or if it was individually analyzed for a reserve at June 30, 2022 and 2021:


	Allowance for credit losses, loans and leases						Loans and leases held for investment
(Dollars in thousands)	Ending balance: individually analyzed		Ending balance: pooled		Total ending balance		Ending balance: individually analyzed		Ending balance: pooled		Loans measured at fair value		Total ending balance
At June 30, 2022
Commercial, financial and agricultural	$	—	$	13,004	$	13,004	$	448	$	1,027,906	$	—	$	1,028,354
Paycheck Protection Program	—		—		—		—		5,358		—		5,358
Real estate-commercial	1,089		40,589		41,678		9,137		2,861,149		—		2,870,286
Real estate-construction	—		4,223		4,223		—		319,449		—		319,449
Real estate-residential secured for business purpose	—		6,420		6,420		961		418,691		—		419,652
Real estate-residential secured for personal purpose	—		2,937		2,937		2,202		626,942		—		629,144
Real estate-home equity secured for personal purpose	—		1,074		1,074		394		168,142		—		168,536
Loans to individuals	—		376		376		—		27,061		—		27,061
Lease financings	—		2,299		2,299		—		193,937		—		193,937
Unallocated	N/A		—		—		N/A		N/A		N/A		N/A
Total	$	1,089	$	70,922	$	72,011	$	13,142	$	5,648,635	$	—	$	5,661,777
At June 30, 2021
Commercial, financial and agricultural	$	333	$	11,401	$	11,734	$	1,246	$	919,375	$	—	$	920,621
Paycheck Protection Program	—		3		3		—		252,849		—		252,849
Real estate-commercial	—		43,194		43,194		26,264		2,574,537		118		2,600,919
Real estate-construction	—		3,649		3,649		—		274,529		—		274,529
Real estate-residential secured for business purpose	—		6,747		6,747		3,045		404,619		—		407,664
Real estate-residential secured for personal purpose	23		2,597		2,620		2,160		511,170		—		513,330
Real estate-home equity secured for personal purpose	—		1,124		1,124		783		159,235		—		160,018
Loans to individuals	—		319		319		—		25,845		—		25,845
Lease financings	—		1,815		1,815		—		171,538		—		171,538
Unallocated	N/A		150		150		N/A		N/A		N/A		N/A
Total	$	356	$	70,999	$	71,355	$	33,498	$	5,293,697	$	118	$	5,327,313

N/A – Not applicable

Schedule of Accruing and Nonaccruing Troubled Debt Restructured Loans

The following presents, by class of loans, information regarding troubled debt restructurings of accruing and nonaccrual loans.

Three Months Ended June 30, 2022

Three Months Ended June 30, 2021

(Dollars in thousands)

Number
of
Loans

Pre-
Restructuring
Outstanding
Recorded
Investment

Post-
Restructuring
Outstanding
Recorded
Investment

Number
of
Loans

Pre-
Restructuring
Outstanding
Recorded
Investment

Post-
Restructuring
Outstanding
Recorded
Investment

Accruing Troubled Debt Restructured Loans:

Total

—

Nonaccrual Troubled Debt Restructured Loans:

Total

—


	Six Months Ended June 30, 2022					Six Months Ended June 30, 2021
(Dollars in thousands)	Number of Loans	Pre- Restructuring Outstanding Recorded Investment		Post- Restructuring Outstanding Recorded Investment			Number of Loans	Pre- Restructuring Outstanding Recorded Investment		Post- Restructuring Outstanding Recorded Investment
Accruing Troubled Debt Restructured Loans:





Total	—	$	—	$	—		—	$	—	$	—
Nonaccrual Troubled Debt Restructured Loans:


Real estate—residential secured for business purpose	1	$	87	$	87		—	$	—	$	—

Total	1	$	87	$	87		—	$	—	$	—

Schedule of Concessions Granted on Accruing and Nonaccrual Troubled Loans

The following presents, by class of loans, information regarding the types of concessions granted on accruing and nonaccrual loans that were restructured during the three and six months ended June 30, 2022 and 2021.


	Maturity Date Extension
(Dollars in thousands)		No. of Loans	Amount
Three Months Ended June 30, 2022
Accruing Troubled Debt Restructured Loans:




Total		—	$	—
Nonaccrual Troubled Debt Restructured Loans:




Total		—	$	—
Three Months Ended June 30, 2021
Accruing Troubled Debt Restructured Loans:





Total		—	$	—
Nonaccrual Troubled Debt Restructured Loans:




Total		—	$	—
Six Months Ended June 30, 2022
Accruing Troubled Debt Restructured Loans:




Total		—	$	—
Nonaccrual Troubled Debt Restructured Loans:


Real estate—residential secured for business purpose		1	$	87

Total		1	$	87
Six Months Ended June 30, 2021
Accruing Troubled Debt Restructured Loans:





Total		—	$	—
Nonaccrual Troubled Debt Restructured Loans:




Total		—	$	—

Schedule of Accruing and Nonaccruing Troubled Debt Restructured Loans With Payment Defaults

The following presents, by class of loans, information regarding accruing and nonaccrual troubled debt restructured loans, for which there were payment defaults within twelve months of the restructuring date:


	Three Months Ended June 30,						Six Months Ended June 30,
	2022			2021			2022			2021
(Dollars in thousands)	Number of Loans	Recorded Investment		Number of Loans	Recorded Investment		Number of Loans	Recorded Investment		Number of Loans	Recorded Investment
Accruing Troubled Debt Restructured Loans:

Total	—	$	—	—	$	—	—	$	—	—	$	—
Nonaccrual Troubled Debt Restructured Loans:

Real estate—residential secured for personal purpose	—	—		1	530		—	—		1	530
Total	—	$	—	1	$	530	—	$	—	1	$	530

Schedule of Lease Payments Receivables

The following presents the schedule of minimum lease payments receivable:


(Dollars in thousands)	At June 30, 2022		At December 31, 2021
2022 (excluding the six months ended June 30, 2022)	$	36,890	$	67,458
2023	64,915		54,859
2024	48,891		39,019
2025	33,307		24,426
2026	18,964		11,039
Thereafter	6,467		2,951
Total future minimum lease payments receivable	209,434		199,752
Plus: Unguaranteed residual	1,344		1,186
Plus: Initial direct costs	2,809		2,707
Less: Imputed interest	(19,650)		(19,104)
Lease financings	$	193,937	$	184,541