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Allowance for Loan Losses (Tables)
6 Months Ended
Jun. 30, 2022
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, 2022
(Dollar amounts in thousands)CommercialResidentialConsumerUnallocatedTotal
Beginning balance$17,300 $13,235 $9,662 $319 $40,516 
Provision for credit losses(1,392)895 1,319 (72)750 
Loans charged-off(370)(56)(1,985)— (2,411)
Recoveries931 94 1,588 — 2,613 
Ending Balance$16,469 $14,168 $10,584 $247 $41,468 
Allowance for Credit Losses:June 30, 2021
(Dollar amounts in thousands)CommercialResidentialConsumerUnallocatedTotal
Beginning balance$13,739 $18,839 $11,058 $164 $43,800 
Provision for credit losses(1,058)(928)(260)50 (2,196)
Loans charged-off(113)(243)(795)— (1,151)
Recoveries149 169 985 — 1,303 
Ending Balance$12,717 $17,837 $10,988 $214 $41,756 

The following table presents the activity of the allowance for credit losses by portfolio segment for the six months ended June 30. 
Allowance for Credit Losses:June 30, 2022
(Dollar amounts in thousands)CommercialResidentialConsumerUnallocatedTotal
Beginning balance$18,883 $18,316 $10,721 $385 $48,305 
Provision for credit losses(2,432)(4,249)1,019 (138)(5,800)
Loans charged -off(1,253)(522)(3,890)— (5,665)
Recoveries1,271 623 2,734 — 4,628 
Ending Balance$16,469 $14,168 $10,584 $247 $41,468 
Allowance for Credit Losses:June 30, 2021
(Dollar amounts in thousands)CommercialResidentialConsumerUnallocatedTotal
Beginning balance$13,925 $19,142 $11,009 $— $44,076 
Provision for credit losses(1,536)(1,190)768 214 (1,744)
Loans charged -off(299)(431)(2,759)— (3,489)
Recoveries627 316 1,970 — 2,913 
Ending Balance$12,717 $17,837 $10,988 $214 $41,756 
Schedule of non-performing loans
The tables below present the recorded investment in non-performing loans by class of loans.
 June 30, 2022
Loans Past
Due Over
90 Days Still
Nonaccrual
With No
Allowance
(Dollar amounts in thousands)AccruingNonaccrualFor Credit Loss
Commercial   
 Commercial & Industrial$— $734 $322 
 Farmland— 304 — 
 Non Farm, Non Residential— 2,521 2,508 
 Agriculture— 451 — 
 All Other Commercial— — 
Residential  
 First Liens755 1,687 
 Home Equity75 85 — 
 Junior Liens106 208 — 
 Multifamily— 241 — 
 All Other Residential— 113 — 
Consumer  
 Motor Vehicle68 1,426 — 
 All Other Consumer609 — 
TOTAL$1,007 $8,383 $2,835 


 December 31, 2021
Loans Past
Due Over
90 Days Still
Nonaccrual
With No
Allowance
(Dollar amounts in thousands)AccruingNonaccrualFor Credit Loss
Commercial   
 Commercial & Industrial$14 $1,950 $1,662 
 Farmland— 15 — 
 Non Farm, Non Residential— 2,911 2,898 
 Agriculture— 111 — 
 All Other Commercial— — 
Residential  
 First Liens346 2,339 33 
 Home Equity— 84 — 
 Junior Liens89 294 — 
 Multifamily— 225 — 
 All Other Residential— 107 — 
Consumer  
 Motor Vehicle94 864 — 
 All Other Consumer— 686 — 
TOTAL$543 $9,590 $4,593 
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, 2022
30-59 Days60-89 Days90 Days and GreaterTotal
(Dollar amounts in thousands)Past DuePast DuePast DuePast DueCurrentTotal
Commercial      
 Commercial & Industrial$4,641 $616 $114 $5,371 $688,504 $693,875 
 Farmland116 56 289 461 125,314 125,775 
 Non Farm, Non Residential374 14 — 388 374,629 375,017 
 Agriculture— — — — 117,755 117,755 
 All Other Commercial75 117 — 192 401,242 401,434 
Residential      
 First Liens1,062 857 1,174 3,093 330,319 333,412 
 Home Equity147 190 114 451 62,484 62,935 
 Junior Liens213 108 189 510 53,079 53,589 
 Multifamily68 67 — 135 191,493 191,628 
 All Other Residential— — — — 30,769 30,769 
Consumer      
 Motor Vehicle10,431 1,650 550 12,631 465,968 478,599 
 All Other Consumer238 50 20 308 33,027 33,335 
TOTAL$17,365 $3,725 $2,450 $23,540 $2,874,583 $2,898,123 
 
 December 31, 2021
30-59 Days60-89 Days90 Days and GreaterTotal
(Dollar amounts in thousands)Past DuePast DuePast DuePast DueCurrentTotal
Commercial      
 Commercial & Industrial$1,132 $388 $1,614 $3,134 $693,949 $697,083 
 Farmland57 — — 57 141,189 141,246 
 Non Farm, Non Residential62 — — 62 361,174 361,236 
 Agriculture90 42 89 221 141,682 141,903 
 All Other Commercial390 — — 390 340,076 340,466 
Residential      
 First Liens4,686 680 949 6,315 336,064 342,379 
 Home Equity131 24 58 213 62,085 62,298 
 Junior Liens179 120 283 582 50,048 50,630 
 Multifamily342 146 — 488 178,849 179,337 
 All Other Residential284 291 — 575 30,843 31,418 
Consumer      
 Motor Vehicle7,633 1,105 486 9,224 433,095 442,319 
 All Other Consumer192 37 — 229 33,425 33,654 
TOTAL$15,178 $2,833 $3,479 $21,490 $2,802,479 $2,823,969 
Troubled Debt Restructurings on Financing Receivables
During the three and six months ended June 30, 2022 and 2021, the terms of certain loans were modified as troubled debt restructurings (TDRs). The following tables present the activity for TDRs.
2022
(Dollar amounts in thousands)CommercialResidentialConsumerTotal
April 1,$407 $3,445 $690 $4,542 
    Added/(Disposed)305 101 (679)(273)
    Charged Off— — — — 
    Payments(40)(72)(11)(123)
June 30,$672 $3,474 $— $4,146 
2022
(Dollar amounts in thousands)CommercialResidentialConsumerTotal
January 1,$407 $3,686 $706 $4,799 
Added/(Disposed)305 128 (611)(178)
    Charged Off— — — — 
    Payments(40)(340)(95)(475)
June 30,$672 $3,474 $— $4,146 
2021
(Dollar amounts in thousands)CommercialResidentialConsumerTotal
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)CommercialResidentialConsumerTotal
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