Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2021

Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery [Abstract]

Schedule of allowances for loan losses by portfolio segment

The following table presents the activity of the allowance for credit losses by portfolio segment for the three months ended June 30. 

Allowance for Credit Losses:	June 30, 2021
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	16,715	$	18,839	$	11,058	$	164	$	46,776
Provision for credit losses	(1,058)		(928)		(260)		50		(2,196)
Loans charged-off	(113)		(243)		(795)		—		(1,151)
Recoveries	149		169		985		—		1,303
Ending Balance	$	15,693	$	17,837	$	10,988	$	214	$	44,732

Allowance for Credit Losses:	June 30, 2020
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Unallocated		Total
Beginning balance	$	9,323	$	1,452	$	8,757	$	1,531	$	21,063
Provision for credit losses	813		527		1,950		(325)		2,965
Loans charged-off	(141)		(166)		(1,233)		—		(1,540)
Recoveries	154		63		580		—		797
Ending Balance	$	10,149	$	1,876	$	10,054	$	1,206	$	23,285

Schedule of loans individually evaluated for impairment by class of loans

The following table presents loans individually evaluated for impairment by class of loans.

Schedule of non-performing loans

The tables below present the recorded investment in non-performing loans by class of loans.

	June 30, 2021
	Loans Past Due Over 90 Days Still				Nonaccrual With No Allowance
(Dollar amounts in thousands)	Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial	$	68	$	3,835	$	792
Farmland	—		111		—
Non Farm, Non Residential	—		3,201		3,082
Agriculture	—		1,214		—
All Other Commercial	—		253		—
Residential
First Liens	1,067		2,696		59
Home Equity	4		85		—
Junior Liens	22		305		—
Multifamily	—		1,414		—
All Other Residential	—		121		—
Consumer
Motor Vehicle	103		628		—
All Other Consumer	4		493		—
TOTAL	$	1,268	$	14,356	$	3,933

	December 31, 2020
	Loans Past Due Over 90 Days Still				Nonaccrual With No Allowance
(Dollar amounts in thousands)	Accruing		Nonaccrual		For Credit Loss
Commercial
Commercial & Industrial	$	—	$	4,838	$	1,080
Farmland	—		195		—
Non Farm, Non Residential	—		3,729		3,267
Agriculture	—		409		—
All Other Commercial	—		533		24
Residential
First Liens	1,746		2,604		86
Home Equity	88		30		—
Junior Liens	252		206		—
Multifamily	—		1,380		—
All Other Residential	—		135		—
Consumer
Motor Vehicle	372		754		—
All Other Consumer	—		554		—
TOTAL	$	2,458	$	15,367	$	4,457

Troubled Debt Restructurings on Financing Receivables

During the three and six months ended June 30, 2021 and 2020, the terms of certain loans were modified as troubled debt restructurings (TDRs). The following tables present the activity for TDRs.

			2021
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Total
April 1,	$	—	$	3,888	$	576	$	4,464
Added	—		113		74		187
Charged Off	—		(27)		(32)		(59)
Payments	—		(70)		(62)		(132)
June 30,	$	—	$	3,904	$	556	$	4,460

			2021
(Dollar amounts in thousands)	Commercial		Residential		Consumer		Total
January 1,	$	—	$	3,589	$	617	$	4,206
Added	—		491		122		613
Charged Off	—		(27)		(75)		(102)
Payments	—		(149)		(108)		(257)
June 30,	$	—	$	3,904	$	556	$	4,460

		2020
(Dollar amounts in thousands)	Commercial	Residential	Consumer	Total
April 1,	4	3,438	714	4,156
Added	—	63	41	104
Charged Off	—	—	(15)	(15)
Payments	(4)	(270)	(72)	(346)
June 30,	—	3,231	668	3,899

A

		2020
(Dollar amounts in thousands)	Commercial	Residential	Consumer	Total
January 1,	11	3,485	698	4,194
Added	—	123	135	258
Charged Off	—	(6)	(50)	(56)
Payments	(11)	(371)	(115)	(497)
June 30,	—	3,231	668	3,899

Aging of recorded investment in loans by past due category and class of loans

The following tables presents the aging of the recorded investment in loans by past due category and class of loans.  

	June 30, 2021
	30-59 Days		60-89 Days		Greater than 90 days		Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial
Commercial & Industrial	$	682	$	306	$	2,783	$	3,771	$	622,283	$	626,054
Farmland	106		220		87		413		116,265		116,678
Non Farm, Non Residential	—		68		7		75		355,350		355,425
Agriculture	578		375		1,188		2,141		117,485		119,626
All Other Commercial	—		—		—		—		310,781		310,781
Residential
First Liens	761		1,186		1,511		3,458		310,711		314,169
Home Equity	140		20		78		238		58,552		58,790
Junior Liens	59		26		177		262		51,591		51,853
Multifamily	—		—		—		—		125,344		125,344
All Other Residential	—		—		—		—		16,130		16,130
Consumer
Motor Vehicle	4,224		853		231		5,308		447,023		452,331
All Other Consumer	153		21		4		178		31,627		31,805
TOTAL	$	6,703	$	3,075	$	6,066	$	15,844	$	2,563,142	$	2,578,986

	December 31, 2020
	30-59 Days		60-89 Days		Greater than 90 days		Total
(Dollar amounts in thousands)	Past Due		Past Due		Past Due		Past Due		Current		Total
Commercial
Commercial & Industrial	$	685	$	746	$	3,364	$	4,795	$	603,777	$	608,572
Farmland	22		—		91		113		118,528		118,641
Non Farm, Non Residential	155		—		271		426		350,681		351,107
Agriculture	28		30		275		333		146,147		146,480
All Other Commercial	—		—		24		24		305,612		305,636
Residential
First Liens	5,506		1,866		2,365		9,737		314,730		324,467
Home Equity	260		29		104		393		60,362		60,755
Junior Liens	421		68		341		830		53,346		54,176
Multifamily	—		—		—		—		151,042		151,042
All Other Residential	—		50		—		50		15,918		15,968
Consumer
Motor Vehicle	6,975		1,294		560		8,829		441,283		450,112
All Other Consumer	164		19		13		196		31,401		31,597
TOTAL	$	14,216	$	4,102	$	7,408	$	25,726	$	2,592,827	$	2,618,553