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LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)
 9 Months Ended
Sep. 30, 2024
Receivables [Abstract]  
Schedule of Accounts Notes Loans and Financial Receivables
Loans are stated at amortized cost. Balances within the major loans receivable categories are presented in the following table:

(dollars in thousands)September 30, 2024December 31, 2023
Commercial, financial and agricultural$2,949,957 $2,688,929 
Consumer210,310 241,552 
Indirect automobile10,891 34,257 
Mortgage warehouse985,910 818,728 
Municipal449,561 492,668 
Premium finance1,246,452 946,562 
Real estate – construction and development2,232,114 2,129,187 
Real estate – commercial and farmland8,249,981 8,059,754 
Real estate – residential4,629,805 4,857,666 
 $20,964,981 $20,269,303 
Schedule of Financial Receivable Nonaccrual Basis
The following table presents an analysis of loans accounted for on a nonaccrual basis:

(dollars in thousands)September 30, 2024December 31, 2023
Commercial, financial and agricultural$13,869 $8,059 
Consumer 743 1,153 
Indirect automobile186 299 
Real estate – construction and development3,908 282 
Real estate – commercial and farmland13,020 11,295 
Real estate – residential(1)
63,781 130,029 
$95,507 $151,117 
(1) Included in real estate - residential were $8.2 million and $90.2 million of serviced GNMA-guaranteed nonaccrual loans at September 30, 2024 and December 31, 2023, respectively.
The following table presents an analysis of nonaccrual loans with no related allowance for credit losses:

(dollars in thousands)September 30, 2024December 31, 2023
Commercial, financial and agricultural$3,660 $2,049 
Real estate – construction and development2,945 — 
Real estate – commercial and farmland9,836 9,109 
Real estate – residential30,277 75,419 
$46,718 $86,577 
The following table presents an analysis of individually evaluated collateral-dependent financial assets and related allowance for credit losses:

September 30, 2024December 31, 2023
(dollars in thousands)BalanceAllowance for Credit LossesBalanceAllowance for Credit Losses
Commercial, financial and agricultural$19,940 $3,130 $5,889 $567 
Premium finance— — 1,990 45 
Real estate – construction and development— — 280 23 
Real estate – commercial and farmland14,665 218 11,114 108 
Real estate – residential16,283 2,008 21,102 2,654 
$50,888 $5,356 $40,375 $3,397 
Schedule of Past Due Financial Receivables
The following table presents an analysis of past-due loans as of September 30, 2024 and December 31, 2023:

(dollars in thousands)Loans
30-59
Days Past
Due		Loans
60-89
Days
Past Due		Loans 90
or More
Days Past
Due		Total
Loans
Past Due		Current
Loans		Total
Loans		Loans 90
Days or
More Past
Due and
Still
Accruing
September 30, 2024       
Commercial, financial and agricultural$20,313 $6,299 $8,907 $35,519 $2,914,438 $2,949,957 $4,732 
Consumer 1,911 512 366 2,789 207,521 210,310 — 
Indirect automobile51 24 51 126 10,765 10,891 — 
Mortgage warehouse— — — — 985,910 985,910 — 
Municipal— — — — 449,561 449,561 — 
Premium finance13,246 5,880 7,502 26,628 1,219,824 1,246,452 7,502 
Real estate – construction and development10,411 3,687 584 14,682 2,217,432 2,232,114 — 
Real estate – commercial and farmland4,514 3,133 7,562 15,209 8,234,772 8,249,981 — 
Real estate – residential46,039 14,823 60,788 121,650 4,508,155 4,629,805 — 
Total$96,485 $34,358 $85,760 $216,603 $20,748,378 $20,964,981 $12,234 
December 31, 2023       
Commercial, financial and agricultural$11,023 $5,439 $9,733 $26,195 $2,662,734 $2,688,929 $5,310 
Consumer 2,155 1,037 498 3,690 237,862 241,552 — 
Indirect automobile153 17 78 248 34,009 34,257 — 
Mortgage warehouse— — — — 818,728 818,728 — 
Municipal— — — — 492,668 492,668 — 
Premium finance12,379 6,832 11,678 30,889 915,673 946,562 11,678 
Real estate – construction and development2,094 — 282 2,376 2,126,811 2,129,187 — 
Real estate – commercial and farmland5,070 1,656 6,352 13,078 8,046,676 8,059,754 — 
Real estate – residential49,976 19,300 127,087 196,363 4,661,303 4,857,666 — 
Total$82,850 $34,281 $155,708 $272,839 $19,996,464 $20,269,303 $16,988 
Schedule of Credit Quality Indicate Financial Receivable
The following tables present the loan portfolio's amortized cost by class of financing receivable, risk grade and year of origination (in thousands) as of September 30, 2024 and December 31, 2023. Generally, current period renewals of credit are underwritten again at the point of renewal and considered current period originations for purposes of the tables below. The Company had an immaterial amount of revolving loans which converted to term loans and the amortized cost basis of those loans is included in the applicable origination year. There were no loans risk graded doubtful or loss at September 30, 2024 or December 31, 2023.
As of September 30, 2024
Term Loans by Origination YearRevolving Loans Amortized Cost Basis
20242023202220212020PriorTotal
Commercial, Financial and Agricultural
Risk Grade:
Pass$771,180 $653,260 $599,054 $284,292 $85,784 $56,473 $460,002 $2,910,045 
Special mention5 127 1,825 1,315 725 3,241 2,784 10,022 
Substandard231 2,302 3,600 8,907 824 5,337 8,689 29,890 
Total commercial, financial and agricultural$771,416 $655,689 $604,479 $294,514 $87,333 $65,051 $471,475 $2,949,957 
Current-period gross charge offs286 15,849 15,380 6,699 1,178 758 — 40,150 
Consumer
Risk Grade:
Pass$44,222 $21,803 $10,610 $3,046 $19,194 $27,710 $82,381 $208,966 
Special mention5 — 15 — — 39 — 59 
Substandard137 253 105 34 190 439 127 1,285 
Total consumer$44,364 $22,056 $10,730 $3,080 $19,384 $28,188 $82,508 $210,310 
Current-period gross charge offs113 514 210 38 682 1,081 198 2,836 
Indirect Automobile
Risk Grade:
Pass$— $— $— $— $— $10,625 $— $10,625 
Special mention— — — — — 26 — 26 
Substandard— — — — — 240 — 240 
Total indirect automobile$— $— $— $— $— $10,891 $— $10,891 
Current-period gross charge offs— — — — — 138 — 138 
Mortgage Warehouse
Risk Grade:
Pass$— $— $— $— $— $— $976,092 $976,092 
Special mention— — — — — — 9,818 9,818 
Total mortgage warehouse$— $— $— $— $— $— $985,910 $985,910 
Current-period gross charge offs— — — — — — — — 
Municipal
Risk Grade:
Pass$20,566 $9,227 $44,890 $36,746 $140,694 $196,616 $822 $449,561 
Total municipal$20,566 $9,227 $44,890 $36,746 $140,694 $196,616 $822 $449,561 
Current-period gross charge offs— — — — — — — — 
Premium Finance
Risk Grade:
Pass$1,217,918 $20,616 $213 $203 $— $— $— $1,238,950 
Substandard5,245 2,257 — — — — — 7,502 
Total premium finance$1,223,163 $22,873 $213 $203 $— $— $— $1,246,452 
Current-period gross charge offs742 5,923 245 — — — — 6,910 
As of September 30, 2024
Term Loans by Origination YearRevolving Loans Amortized Cost Basis
20242023202220212020PriorTotal
Real Estate – Construction and Development
Risk Grade:
Pass$413,449 $289,316 $1,025,891 $323,413 $4,550 $91,834 $74,078 $2,222,531 
Special mention3,159 1,643 — 66 — 317 — 5,185 
Substandard50 79 3,374 367 — 528 — 4,398 
Total real estate – construction and development$416,658 $291,038 $1,029,265 $323,846 $4,550 $92,679 $74,078 $2,232,114 
Current-period gross charge offs— — — — — — — — 
Real Estate – Commercial and Farmland
Risk Grade:
Pass$166,867 $457,998 $2,191,571 $2,197,460 $1,062,050 $1,935,670 $94,477 $8,106,093 
Special mention— 1,360 35 756 15,471 76,613 — 94,235 
Substandard— 1,122 17,322 13,878 3,402 13,929 — 49,653 
Total real estate – commercial and farmland$166,867 $460,480 $2,208,928 $2,212,094 $1,080,923 $2,026,212 $94,477 $8,249,981 
Current-period gross charge offs— 513 — — — 58 — 571 
Real Estate - Residential
Risk Grade:
Pass$164,123 $649,299 $1,320,707 $1,071,834 $473,748 $587,155 $286,613 $4,553,479 
Special mention— 11 53 763 596 1,962 1,749 5,134 
Substandard1,299 5,576 13,312 11,056 9,110 23,432 7,407 71,192 
Total real estate - residential$165,422 $654,886 $1,334,072 $1,083,653 $483,454 $612,549 $295,769 $4,629,805 
Current-period gross charge offs— 24 20 — — 5 — 49 
Total Loans
Risk Grade:
Pass$2,798,325 $2,101,519 $5,192,936 $3,916,994 $1,786,020 $2,906,083 $1,974,465 $20,676,342 
Special mention3,169 3,141 1,928 2,900 16,792 82,198 14,351 124,479 
Substandard6,962 11,589 37,713 34,242 13,526 43,905 16,223 164,160 
Total loans$2,808,456 $2,116,249 $5,232,577 $3,954,136 $1,816,338 $3,032,186 $2,005,039 $20,964,981 
Total current-period gross charge offs1,141 22,823 15,855 6,737 1,860 2,040 198 50,654 
As of December 31, 2023
Term Loans by Origination YearRevolving Loans Amortized Cost Basis
20232022202120202019PriorTotal
Commercial, Financial and Agricultural
Risk Grade:
Pass$892,951 $758,471 $384,830 $95,055 $56,447 $41,095 $432,472 $2,661,321 
Special mention— 335 5,722 92 109 451 803 7,512 
Substandard1,512 3,595 3,222 1,140 3,533 5,748 1,346 20,096 
Total commercial, financial and agricultural$894,463 $762,401 $393,774 $96,287 $60,089 $47,294 $434,621 $2,688,929 
Consumer
Risk Grade:
Pass$44,736 $17,661 $5,878 $25,654 $15,838 $20,937 $109,214 $239,918 
Special mention— 5 — — — 26 — 31 
Substandard154 181 41 334 197 531 165 1,603 
Total consumer$44,890 $17,847 $5,919 $25,988 $16,035 $21,494 $109,379 $241,552 
Indirect Automobile
Risk Grade:
Pass$— $— $— $— $6,086 $27,646 $— $33,732 
Substandard— — — — 55 470 — 525 
Total indirect automobile$— $— $— $— $6,141 $28,116 $— $34,257 
Mortgage Warehouse
Risk Grade:
Pass$— $— $— $— $— $— $772,366 $772,366 
Special mention— — — — — — 46,362 46,362 
Total mortgage warehouse$— $— $— $— $— $— $818,728 $818,728 
Municipal
Risk Grade:
Pass$14,216 $27,346 $48,941 $177,156 $14,655 $208,236 $2,118 $492,668 
Total municipal$14,216 $27,346 $48,941 $177,156 $14,655 $208,236 $2,118 $492,668 
Premium Finance
Risk Grade:
Pass$928,930 $4,038 $1,916 $— $— $— $— $934,884 
Substandard10,777 901 — — — — — 11,678 
Total premium finance$939,707 $4,939 $1,916 $— $— $— $— $946,562 
As of December 31, 2023
Term Loans by Origination YearRevolving Loans Amortized Cost Basis
20232022202120202019PriorTotal
Real Estate – Construction and Development
Risk Grade:
Pass$457,077 $938,909 $505,254 $58,840 $54,646 $30,042 $81,662 $2,126,430 
Special mention— — — — — 479 — 479 
Substandard— 266 1,512 — — 500 — 2,278 
Total real estate – construction and development$457,077 $939,175 $506,766 $58,840 $54,646 $31,021 $81,662 $2,129,187 
Real Estate – Commercial and Farmland
Risk Grade:
Pass$450,315 $1,890,498 $2,133,833 $1,090,735 $765,640 $1,437,323 $100,206 $7,868,550 
Special mention— 17,131 53,329 — 30,200 46,370 — 147,030 
Substandard428 418 15,578 2,660 6,106 18,984 — 44,174 
Total real estate – commercial and farmland$450,743 $1,908,047 $2,202,740 $1,093,395 $801,946 $1,502,677 $100,206 $8,059,754 
Real Estate - Residential
Risk Grade:
Pass$714,684 $1,425,186 $1,148,092 $506,137 $236,147 $423,648 $262,968 $4,716,862 
Special mention13 — 72 201 234 1,411 380 2,311 
Substandard5,057 26,171 28,459 30,566 19,357 25,263 3,620 138,493 
Total real estate - residential$719,754 $1,451,357 $1,176,623 $536,904 $255,738 $450,322 $266,968 $4,857,666 
Total Loans
Risk Grade:
Pass$3,502,909 $5,062,109 $4,228,744 $1,953,577 $1,149,459 $2,188,927 $1,761,006 $19,846,731 
Special mention13 17,471 59,123 293 30,543 48,737 47,545 203,725 
Substandard17,928 31,532 48,812 34,700 29,248 51,496 5,131 218,847 
Total loans$3,520,850 $5,111,112 $4,336,679 $1,988,570 $1,209,250 $2,289,160 $1,813,682 $20,269,303 
Schedule of Allowances for Loan Losses by Portfolio Segment
The following tables detail activity and end of period balances in the allowance for credit losses by portfolio segment for the periods indicated. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

Three Months Ended September 30, 2024
(dollars in thousands)Commercial,
Financial and
Agricultural		ConsumerIndirect AutomobileMortgage WarehouseMunicipalPremium Finance
Balance, June 30, 2024$66,542 $3,451 $28 $2,142 $60 $702 
Provision for loan losses8,463 1,287 (65)30 137 180 
Loans charged off(12,316)(819)(34)— — (2,102)
Recoveries of loans previously charged off4,979 208 101 — — 1,860 
Balance, September 30, 2024$67,668 $4,127 $30 $2,172 $197 $640 
Real Estate – Construction and DevelopmentReal Estate –
Commercial and
Farmland		Real Estate –
Residential		Total
Balance, June 30, 2024$77,482 $121,963 $63,848 $336,218 
Provision for loan losses(2,506)(1,885)672 6,313 
Loans charged off— (58)(23)(15,352)
Recoveries of loans previously charged off6 61 63 7,278 
Balance, September 30, 2024$74,982 $120,081 $64,560 $334,457 
Nine Months Ended September 30, 2024
(dollars in thousands)Commercial,
Financial and
Agricultural		ConsumerIndirect AutomobileMortgage WarehouseMunicipalPremium Finance
Balance, December 31, 2023$64,053 $3,902 $50 $1,678 $345 $602 
Provision for loan losses31,479 2,450 (348)494 (148)343 
Loans charged off(40,150)(2,836)(138)— — (6,910)
Recoveries of loans previously charged off12,286 611 466 — — 6,605 
Balance, September 30, 2024$67,668 $4,127 $30 $2,172 $197 $640 
Real Estate – Construction and DevelopmentReal Estate –
Commercial and
Farmland		Real Estate –
Residential		Total
Balance, December 31, 2023$61,017 $110,097 $65,356 $307,100 
Provision for loan losses13,911 9,900 (897)57,184 
Loans charged off— (571)(49)(50,654)
Recoveries of loans previously charged off54 655 150 20,827 
Balance, September 30, 2024$74,982 $120,081 $64,560 $334,457 
Three Months Ended September 30, 2023
(dollars in thousands)Commercial,
Financial and
Agricultural		ConsumerIndirect AutomobileMortgage WarehouseMunicipalPremium Finance
Balance, June 30, 2023$50,789 $4,548 $98 $2,335 $357 $776 
Provision for loan losses14,650 310 (149)(589)(9)183 
Loans charged off(16,519)(948)(36)— — (1,951)
Recoveries of loans previously charged off4,745 203 158 — — 1,639 
Balance, September 30, 2023$53,665 $4,113 $71 $1,746 $348 $647 
Real Estate – Construction and DevelopmentReal Estate –
Commercial and
Farmland		Real Estate –
Residential		Total
Balance, June 30, 2023$54,589 $96,140 $62,439 $272,071 
Provision for loan losses8,525 5,453 1,721 30,095 
Loans charged off— — (34)(19,488)
Recoveries of loans previously charged off74 371 236 7,426 
Balance, September 30, 2023$63,188 $101,964 $64,362 $290,104 
Nine Months Ended September 30, 2023
(dollars in thousands)Commercial,
Financial and
Agricultural		ConsumerIndirect AutomobileMortgage WarehouseMunicipalPremium Finance
Balance, December 31, 2022$39,455 $5,413 $174 $2,118 $357 $1,025 
Adjustment to allowance for adoption of ASU 2022-02(105)— — — — — 
Provision for loan losses46,050 2,146 (567)(372)(9)141 
Loans charged off(42,068)(4,140)(135)— — (5,220)
Recoveries of loans previously charged off10,333 694 599 — — 4,701 
Balance, September 30, 2023$53,665 $4,113 $71 $1,746 $348 $647 
Real Estate – Construction and DevelopmentReal Estate –
Commercial and
Farmland		Real Estate –
Residential		Total
Balance, December 31, 2022$32,659 $67,433 $57,043 $205,677 
Adjustment to allowance for adoption of ASU 2022-02(37)(722)(847)(1,711)
Provision for loan losses29,920 38,097 7,708 123,114 
Loans charged off— (3,320)(231)(55,114)
Recoveries of loans previously charged off646 476 689 18,138 
Balance, September 30, 2023$63,188 $101,964 $64,362 $290,104 
Schedule of Troubled Debt Restructurings by Loan Class
The following table shows the amortized cost basis of the loans modified to borrowers experiencing financial difficulty, disaggregated by class of financing receivable and type of concession granted during the three and nine months ended September 30, 2024, and 2023:

Three Months Ended September 30, 2024
(dollars in thousands)Payment DeferralTerm ExtensionInterest Rate ReductionCombination of Term Extension and Rate ReductionTotalPercentage of Total Class of Financial Receivable
Real estate – residential$— $3,185 $835 $2,833 $6,853 0.1 %
Total$— $3,185 $835 $2,833 $6,853 — %
Nine Months Ended September 30, 2024
(dollars in thousands)Payment DeferralTerm ExtensionInterest Rate ReductionCombination of Term Extension and Rate ReductionTotalPercentage of Total Class of Financial Receivable
Commercial, financial and agricultural$605 $— $— $— $605 — %
Real estate – residential— 8,671 1,336 4,170 14,177 0.3 %
Total$605 $8,671 $1,336 $4,170 $14,782 0.1 %

Three Months Ended September 30, 2023
(dollars in thousands)Payment DeferralTerm ExtensionInterest Rate ReductionTotalPercentage of Total Class of Financial Receivable
Commercial, financial and agricultural$— $520 $— $520 — %
Real estate – commercial and farmland— 697 832 1,529 — %
Real estate – residential839 1,683 — 2,522 0.1 %
Total$839 $2,900 $832 $4,571 — %

Nine Months Ended September 30, 2023
(dollars in thousands)Payment DeferralTerm ExtensionInterest Rate ReductionCombination of Term Extension and Rate ReductionTotalPercentage of Total Class of Financial Receivable
Commercial, financial and agricultural$1,180 $2,502 $— $— $3,682 0.1 %
Real estate – construction and development— 278 — — 278 — %
Real estate – commercial and farmland— 1,197 832 — 2,029 — %
Real estate – residential1,033 3,165 — 348 4,546 0.1 %
Total$2,213 $7,142 $832 $348 $10,535 0.1 %
The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty during the three and nine months ended September 30, 2024, and 2023, respectively:

Three Months Ended September 30, 2024
Term Extension
Loan TypeFinancial Effect
Real estate - residential
Maturity dates were extended for a weighted average of 94 months.
Interest Rate Reduction
Loan TypeFinancial Effect
Real estate - residential
Rate was reduced by 3.63%
Combination of Term Extension and Rate Reduction
Loan TypeFinancial Effect
Real estate - residential
Maturity date was extended for a weighted average 101 months and rate was reduced by a weighted average 2.35%

Nine Months Ended September 30, 2024
Payment Deferral
Loan TypeFinancial Effect
Commercial, financial and agricultural
Payments were deferred for 16 months.
Term Extension
Loan TypeFinancial Effect
Real estate - residential
Maturity dates were extended for a weighted average of 89 months

Interest Rate Reduction
Loan TypeFinancial Effect
Real estate - residential
Rate was reduced by a weighted average 2.88%

Combination of Term Extension and Rate Reduction
Loan TypeFinancial Effect
Real estate - residential
Maturity date was extended for a weighted average 104 months and rate was reduced by a weighted average 2.51%
Three Months Ended September 30, 2023
Payment Deferral
Loan TypeFinancial Effect
Real estate – residential
Payments were deferred for four months
Term Extension
Loan TypeFinancial Effect
Commercial, financial and agricultural
Maturity date was extended nine months
Real estate – commercial and farmland
Maturity date was extended 12 months.
Real estate - residential
Maturity dates were extended for a weighted average of 116 months.
Interest Rate Reduction
Loan TypeFinancial Effect
Real estate – commercial and farmland
Interest rate was reduced by 4.75%.

Nine Months Ended September 30, 2023
Payment Deferral
Loan TypeFinancial Effect
Commercial, financial and agricultural
Payments were reduced approximately 32% for three months before returning to a fully amortizing payment structure thereafter.
Commercial, financial and agricultural
Payments were reduced approximately 73% for four months before requiring full repayment.
Real estate – residential
Payments were deferred for a weighted average of four months
Term Extension
Loan TypeFinancial Effect
Commercial, financial and agricultural
Maturity dates were extended for a weighted average of ten months.
Real estate – construction and development
Maturity date was extended for 11 months.
Real estate – commercial and farmland
Maturity dates were extended for a weighted average of 12 months.
Real estate - residential
Maturity dates were extended for a weighted average of 92 months
Interest Rate Reduction
Loan TypeFinancial Effect
Real estate – commercial and farmland
Interest rate was reduced by 4.75%
Combination of Term Extension and Rate Reduction
Loan TypeFinancial Effect
Real estate - residential
Maturity date was extended 58 months and rate was reduced by 1.375%

The Company monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts the performance of loans that have been modified in the last 12 months:
As of September 30, 2024

(dollars in thousands)
Current30-59
Days Past Due		60-89
Days Past Due		90 or More Days Past DueTotal
Commercial, financial and agricultural$2,343 $959 $— $— $3,302 
Real estate – commercial and farmland2,544 — — — 2,544 
Real estate – residential11,189 2,872 615 2,572 17,248 
Total$16,076 $3,831 $615 $2,572 $23,094 

As of December 31, 2023

(dollars in thousands)
Current30-59
Days Past Due		60-89
Days Past Due		90 or More Days Past DueTotal
Commercial, financial and agricultural$4,018 $355 $— $799 $5,172 
Real estate – commercial and farmland6,692 1,129 — — 7,821 
Real estate – residential5,113 711 442 1,106 7,372 
Total$15,823 $2,195 $442 $1,905 $20,365 

The following table provides the amortized cost basis of financing receivables that had a payment default during the three months ended September 30, 2024 and were modified in the 12 months before default to borrowers experiencing financial difficulty.

(dollars in thousands)Interest Rate ReductionTerm ExtensionPayment DeferralCombination of Term Extension and Rate ReductionTotal
Commercial, financial and agricultural$— $— $959 $— $959 
Real estate – commercial and farmland815 — — — 815 
Real estate – residential— 5,793 — 2,233 8,026 
Total$815 $5,793 $959 $2,233 $9,800 

The following table provides the amortized cost basis of financing receivables that had a payment default during the nine months ended September 30, 2024 and were modified in the 12 months before default to borrowers experiencing financial difficulty.

(dollars in thousands)Interest Rate ReductionTerm ExtensionPayment DeferralCombination of Term Extension and Rate ReductionTotal
Commercial, financial and agricultural$— $— $1,056 $— $1,056 
Real estate – commercial and farmland815 — — — 815 
Real estate – residential— 6,400 — 2,233 8,633 
Total$815 $6,400 $1,056 $2,233 $10,504 

The following table provides the amortized cost basis of financing receivables that had a payment default during both the three and nine months ended September 30, 2023 and were modified in the 12 months before default to borrowers experiencing financial difficulty.
(dollars in thousands)Term ExtensionPayment DeferralTotal
Commercial, financial and agricultural$482 $815 $1,297 
Real estate – construction and development278 — 278 
Real estate – commercial and farmland500 — 500 
Real estate – residential1,090 194 1,284 
Total$2,350 $1,009 $3,359