Loans (Tables)

12 Months Ended

Dec. 31, 2024

Receivables [Abstract]

Summary of loans and leases

The following is a summary of loans and leases, excluding loans held for sale, at December 31: 

	2024		2023
Commercial, financial, agricultural	$	1,885,817	$	1,871,821
Lease financing	95,071		122,807
Real estate – construction:
Residential	256,655		269,616
Commercial	836,998		1,063,781
Total real estate – construction	1,093,653		1,333,397
Real estate – 1-4 family mortgage:
Primary	2,428,076		2,422,482
Home equity	544,158		522,688
Rental/investment	402,938		373,755
Land development	113,705		120,994
Total real estate – 1-4 family mortgage	3,488,877		3,439,919
Real estate – commercial mortgage:
Owner-occupied	1,894,679		1,648,961
Non-owner occupied	4,226,937		3,733,174
Land development	114,452		104,415
Total real estate – commercial mortgage	6,236,068		5,486,550
Installment loans to individuals	90,014		103,523
Gross loans	12,889,500		12,358,017
Unearned income	(4,480)		(6,787)
Loans, net of unearned income	$	12,885,020	$	12,351,230

Schedule of aging of past due and nonaccrual loans

The following table provides an aging of past due and nonaccrual loans, segregated by class, as of the dates presented:

	Accruing Loans								Nonaccruing Loans
	30-89 Days Past Due		90 Days or More Past Due		Current Loans		Total Loans		30-89 Days Past Due		90 Days or More Past Due		Current Loans		Total Loans		Total Loans
December 31, 2024
Commercial, financial, agricultural	$	807	$	125	$	1,883,010	$	1,883,942	$	245	$	734	$	896	$	1,875	$	1,885,817
Lease financing	27		—		90,961		90,988		78		614		3,391		4,083		95,071
Real estate – construction:
Residential	2,194		—		253,238		255,432		—		1,023		200		1,223		256,655
Commercial	—		16		836,982		836,998		—		—		—		—		836,998
Total real estate – construction	2,194		16		1,090,220		1,092,430		—		1,023		200		1,223		1,093,653
Real estate – 1-4 family mortgage:
Primary	29,258		—		2,343,781		2,373,039		13,627		25,335		16,075		55,037		2,428,076
Home equity	3,186		35		537,568		540,789		941		1,094		1,334		3,369		544,158
Rental/investment	573		12		401,977		402,562		136		240		—		376		402,938
Land development	25		1,740		111,920		113,685		20		—		—		20		113,705
Total real estate – 1-4 family mortgage	33,042		1,787		3,395,246		3,430,075		14,724		26,669		17,409		58,802		3,488,877
Real estate – commercial mortgage:
Owner-occupied	2,650		365		1,879,350		1,882,365		296		1,000		11,018		12,314		1,894,679
Non-owner occupied	326		—		4,197,331		4,197,657		—		—		29,280		29,280		4,226,937
Land development	142		160		111,019		111,321		98		16		3,017		3,131		114,452
Total real estate – commercial mortgage	3,118		525		6,187,700		6,191,343		394		1,016		43,315		44,725		6,236,068
Installment loans to individuals	654		11		89,246		89,911		4		42		57		103		90,014
Unearned income	—		—		(4,480)		(4,480)		—		—		—		—		(4,480)
Loans, net of unearned income	$	39,842	$	2,464	$	12,731,903	$	12,774,209	$	15,445	$	30,098	$	65,268	$	110,811	$	12,885,020

	Accruing Loans								Nonaccruing Loans
	30-89 Days Past Due		90 Days or More Past Due		Current Loans		Total Loans		30-89 Days Past Due		90 Days or More Past Due		Current Loans		Total Loans		Total Loans
December 31, 2023
Commercial, financial, agricultural	$	1,098	$	483	$	1,864,441	$	1,866,022	$	1,310	$	1,296	$	3,193	$	5,799	$	1,871,821
Lease financing	687		—		122,120		122,807		—		—		—		—		122,807
Real estate – construction:
Residential	—		—		269,616		269,616		—		—		—		—		269,616
Commercial	—		—		1,063,781		1,063,781		—		—		—		—		1,063,781
Total real estate – construction	—		—		1,333,397		1,333,397		—		—		—		—		1,333,397
Real estate – 1-4 family mortgage:
Primary	33,679		—		2,344,629		2,378,308		9,454		19,394		15,326		44,174		2,422,482
Home equity	3,004		—		516,835		519,839		987		868		994		2,849		522,688
Rental/investment	9		58		371,508		371,575		43		1,786		351		2,180		373,755
Land development	206		—		120,769		120,975		—		19		—		19		120,994
Total real estate – 1-4 family mortgage	36,898		58		3,353,741		3,390,697		10,484		22,067		16,671		49,222		3,439,919
Real estate – commercial mortgage:
Owner-occupied	4,867		—		1,640,721		1,645,588		131		1,904		1,338		3,373		1,648,961
Non-owner occupied	9,161		—		3,714,239		3,723,400		6,740		—		3,034		9,774		3,733,174
Land development	90		—		104,025		104,115		—		259		41		300		104,415
Total real estate – commercial mortgage	14,118		—		5,458,985		5,473,103		6,871		2,163		4,413		13,447		5,486,550
Installment loans to individuals	1,230		13		101,932		103,175		13		4		331		348		103,523
Unearned income	—		—		(6,787)		(6,787)		—		—		—		—		(6,787)
Loans, net of unearned income	$	54,031	$	554	$	12,227,829	$	12,282,414	$	18,678	$	25,530	$	24,608	$	68,816	$	12,351,230

Schedule of impact of modifications classified as restructured loans

The following tables present the amortized cost basis of loans that were experiencing financial difficulty, modified during the years ended December 31, 2024 and 2023, and required to be disclosed under ASU 2022-02, by class of financing receivable and by type of modification. The percentage of the amortized cost basis for each class of disclosed modifications as compared to the amortized cost basis of each class of loans is also presented below.

	Year Ended December 31, 2024
	Interest Rate Reduction		Term Extension		Payment Delay		Term Extension and Payment Delay		Interest Rate Reduction and Term Extension		Interest Rate Reduction, Term Extension and Payment Delay		Interest Rate Reduction and Payment Delay		Total		% Total Loans by Class
Commercial, financial, agricultural	$	3,215	$	67	$	47	$	—	$	—	$	113	$	—	$	3,442	0.18	%
Real estate – 1-4 family mortgage:
Primary	—		55		2,046		405		—		—		204		2,710		0.11
Home equity	—		103		—		—		—		—		—		103		0.02
Rental/investment	—		36		—		—		—		—		—		36		0.01
Total real estate – 1-4 family mortgage	—		194		2,046		405		—		—		204		2,849		0.08
Real estate – commercial mortgage:
Owner-occupied	6,948		1,249		204		232		252		—		—		8,885		0.47
Non-owner occupied	—		19,288		79		—		—		—		—		19,367		0.46
Total real estate – commercial mortgage	6,948		20,537		283		232		252		—		—		28,252		0.45
Installment loans to individuals	—		—		13		—		—		3		—		16		0.02
Loans, net of unearned income	$	10,163	$	20,798	$	2,389	$	637	$	252	$	116	$	204	$	34,559	0.27	%

	Year Ended December 31, 2023
	Interest Rate Reduction		Term Extension		Payment Delay		Interest Rate Reduction and Payment Delay		Term Extension and Payment Delay		Interest Rate Reduction and Term Extension		Total		% Total Loans by Class
Commercial, financial, agricultural	$	—	$	1,339	$	220	$	—	$	—	$	—	$	1,559	0.08	%
Lease financing	—		—		—		—		—		—		—		—
Real estate – construction:
Residential	—		3,018		—		—		—		—		3,018		1.02
Total real estate – construction	—		3,018		—		—		—		—		3,018		0.23
Real estate – 1-4 family mortgage:
Primary	218		31		786		85		153		—		1,273		0.05
Home equity	18		14		—		—		—		—		32		0.01
Rental/investment	—		235		16		—		—		—		251		0.07
Total real estate – 1-4 family mortgage	236		280		802		85		153		—		1,556		0.05
Real estate – commercial mortgage:
Owner-occupied	11,540		727		—		—		—		—		12,267		0.74
Non-owner occupied	999		14,003		—		—		15,323		—		30,325		0.81
Total real estate – commercial mortgage	12,539		14,730		—		—		15,323		—		42,592		0.78
Installment loans to individuals	—		—		22		—		6		20		48		0.05
Loans, net of unearned income	$	12,775	$	19,367	$	1,044	$	85	$	15,482	$	20	$	48,773	0.39	%

The following tables present the weighted average financial effect of loan modifications requiring disclosure under ASU 2022-02 by class of financing receivable for the periods presented.

Year ended December 31, 2024
Loan Type	Financial Effect
Interest Rate Reduction
Commercial, financial, agricultural	Reduced the interest rate 46 basis points
Real Estate - Commercial Mortgage - Owner Occupied	Reduced the interest rate 47 basis points
Term Extension
Commercial, financial, agricultural	Extended the term 8 months
Real estate – 1-4 family mortgage - Primary	Extended the term 51 months
Real estate – 1-4 family mortgage - Home Equity	Extended the term 16 months
Real estate – 1-4 family mortgage - Rental/investment	Extended the term 6 months
Real Estate - Commercial Mortgage - Owner Occupied	Extended the term 8 months
Real Estate - Commercial Mortgage - Non-owner Occupied	Extended the term 17 months
Payment Delay
Commercial, financial, agricultural	Delayed the payment 8 months
Real estate – 1-4 family mortgage - Primary	Delayed the payment 20 months
Real estate – 1-4 family mortgage - Rental/investment	Delayed the payment 131 months
Real Estate - Commercial Mortgage - Owner Occupied	Delayed the payment 40 months
Real Estate - Commercial Mortgage - Non-owner Occupied	Delayed the payment 9 months
Installment loans to individuals	Delayed the payment 17 months
Combination - Term Extension and Payment Delay
Commercial, financial, agricultural	Extended the term and delayed the payment 42 months
Real Estate - Commercial Mortgage - Owner Occupied	Extended the term and delayed the payment 9 months
Installment loans to individuals	Extended the term and delayed the payment 61 months
Combination - Interest Rate Reduction and Term Extension
Real Estate - Commercial Mortgage - Owner Occupied	Reduced the interest rate 275 basis points and extended the term 21 months
Combination - Interest Rate Reduction and Payment Delay
Real estate – 1-4 family mortgage - Primary	Reduced the interest rate 25 basis points and delayed the payment 51 months
Combination - Interest Rate Reduction, Term Extension and Payment Delay
Commercial, financial, agricultural	Reduced the interest rate 181 basis points and extended the term and delayed the payment 59 months
Installment loans to individuals	Reduced the interest rate 460 basis points and extended the term and delayed the payment 54 months

Year ended December 31, 2023
Loan Type	Financial Effect
Interest Rate Reduction
Real estate – 1-4 family mortgage - Primary	Reduced the interest rate 25 basis points
Real estate – 1-4 family mortgage - Home Equity	Reduced the interest rate 345 basis points
Real Estate - Commercial Mortgage - Owner Occupied	Reduced the interest rate 41 basis points
Real Estate - Commercial Mortgage - Non-owner Occupied	Reduced the interest rate 12 basis points
Term Extension
Commercial, financial, agricultural	Extended the term 5 months
Real estate – Construction - Residential	Extended the term 5 months
Real estate – 1-4 family mortgage - Primary	Extended the term 7 months
Real estate – 1-4 family mortgage - Home Equity	Extended the term 49 months
Real estate – 1-4 family mortgage - Rental/investment	Extended the term 7 months
Real Estate - Commercial Mortgage - Owner Occupied	Extended the term 8 months
Real Estate - Commercial Mortgage - Non-owner Occupied	Extended the term 8 months
Payment Delay
Commercial, financial, agricultural	Delayed the payment 31 months
Real estate – 1-4 family mortgage - Primary	Delayed the payment 45 months
Real estate – 1-4 family mortgage - Rental/investment	Delayed the payment 17 months
Real Estate - Commercial Mortgage - Owner Occupied	Delayed the payment 3 months
Installment loans to individuals	Delayed the payment 12 months
Combination - Interest Rate Reduction and Payment Delay
Real estate – 1-4 family mortgage - Primary	Reduced the interest rate 25 basis points and delayed the payment 43 months
Combination - Interest Rate Reduction and Term Extension
Installment loans to individuals	Reduced the interest rate 115 basis points and extended the term 12 months
Combination - Term Extension and Payment Delay
Real Estate - Commercial Mortgage - Non-owner Occupied	Extended the term 10 months and delayed the payment 8 months
Real estate – 1-4 family mortgage - Primary	Extended the term and delayed the payment 117 months
Installment loans to individuals	Extended the term and delayed the payment 15 months

Schedule of loan portfolio by risk-rating grades

The following tables present the Company’s loan portfolio by year of origination and internal risk-rating grades as of the dates presented:

	Term Loans Amortized Cost Basis by Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
December 31, 2024
Commercial, Financial, Agricultural	$	292,917	$	208,900	$	228,690	$	113,192	$	66,121	$	54,163	$	898,772	$	2,889	$	1,865,644
Pass	287,632		206,087		213,209		112,527		64,780		52,756		874,104		2,767		1,813,862
Special Mention	591		1,613		185		242		107		378		7,006		—		10,122
Substandard	4,694		1,200		15,296		423		1,234		1,029		17,662		122		41,660
Lease Financing Receivables	$	12,239	$	22,339	$	39,738	$	9,125	$	3,724	$	3,426	$	—	$	—	$	90,591
Pass	12,239		17,225		34,637		8,778		2,587		3,246		—		—		78,712
Watch	—		1,261		3,254		173		1,137		180		—		—		6,005
Substandard	—		3,853		1,847		174		—		—		—		—		5,874
Real Estate - Construction	$	353,568	$	243,827	$	382,439	$	18,443	$	—	$	625	$	20,096	$	—	$	1,018,998
Residential	$	162,966	$	15,455	$	1,708	$	—	$	—	$	625	$	1,246	$	—	$	182,000
Pass	160,772		14,673		1,467		—		—		625		1,246		—		178,783
Special Mention	2,194		—		—		—		—		—		—		—		2,194
Substandard	—		782		241		—		—		—		—		—		1,023
Commercial	$	190,602	$	228,372	$	380,731	$	18,443	$	—	$	—	$	18,850	$	—	$	836,998
Pass	190,602		216,051		380,731		18,443		—		—		18,850		—		824,677
Special Mention	—		12,321		—		—		—		—		—		—		12,321
Substandard	—		—		—		—		—		—		—		—		—
Real Estate - 1-4 Family Mortgage	$	187,587	$	110,606	$	120,025	$	66,034	$	33,800	$	26,150	$	35,740	$	1,150	$	581,092
Primary	$	10,925	$	5,336	$	7,865	$	4,247	$	2,463	$	6,534	$	1,704	$	796	$	39,870
Pass	10,925		5,126		7,558		3,979		2,463		5,776		1,704		796		38,327
Special Mention	—		—		143		—		—		—		—		—		143
Substandard	—		210		164		268		—		758		—		—		1,400
Home Equity	$	966	$	1,005	$	7	$	937	$	—	$	35	$	28,976	$	51	$	31,977
Pass	966		1,005		7		937		—		—		28,976		—		31,891
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		35		—		51		86
Rental/Investment	$	96,447	$	83,682	$	108,436	$	59,836	$	31,029	$	18,146	$	4,745	$	303	$	402,624
Pass	95,903		82,878		108,296		59,553		30,936		17,487		4,745		213		400,011
Special Mention	180		564		44		52		24		—		—		—		864
Substandard	364		240		96		231		69		659		—		90		1,749
Land Development	$	79,249	$	20,583	$	3,717	$	1,014	$	308	$	1,435	$	315	$	—	$	106,621
Pass	79,150		20,583		1,977		1,014		308		1,435		315		—		104,782
Special Mention	99		—		1,740		—		—		—		—		—		1,839
Substandard	—		—		—		—		—		—		—		—		—
Real Estate - Commercial Mortgage	$	996,574	$	708,788	$	1,807,169	$	1,009,177	$	622,818	$	792,959	$	251,819	$	35,475	$	6,224,779
Owner-Occupied	$	373,353	$	271,445	$	339,116	$	275,077	$	190,911	$	304,663	$	137,023	$	2,969	$	1,894,557
Pass	372,183		261,624		330,018		271,228		188,860		299,578		130,847		2,717		1,857,055
Special Mention	948		348		388		850		131		1,538		—		—		4,203
Substandard	222		9,473		8,710		2,999		1,920		3,547		6,176		252		33,299
Non-Owner Occupied	$	576,021	$	427,715	$	1,447,377	$	724,161	$	428,874	$	484,792	$	105,645	$	32,331	$	4,226,916
Pass	554,095		427,339		1,354,418		718,043		425,291		430,220		105,645		24,360		4,039,411

	Term Loans Amortized Cost Basis by Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
Special Mention	4,900		21		77,741		814		1,138		8,254		—		—		92,868
Substandard	17,026		355		15,218		5,304		2,445		46,318		—		7,971		94,637
Land Development	$	47,200	$	9,628	$	20,676	$	9,939	$	3,033	$	3,504	$	9,151	$	175	$	103,306
Pass	47,134		9,585		17,187		9,735		2,783		3,468		9,151		175		99,218
Special Mention	66		24		142		31		59		—		—		—		322
Substandard	—		19		3,347		173		191		36		—		—		3,766
Installment loans to individuals	$	5	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	5
Pass	5		—		—		—		—		—		—		—		5
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Total loans subject to risk rating	$	1,842,890	$	1,294,460	$	2,578,061	$	1,215,971	$	726,463	$	877,323	$	1,206,427	$	39,514	$	9,781,109
Pass	1,811,606		1,262,176		2,449,505		1,204,237		718,008		814,591		1,175,583		31,028		9,466,734
Special Mention	8,978		16,152		83,637		2,162		2,596		10,350		7,006		—		130,881
Substandard	22,306		16,132		44,919		9,572		5,859		52,382		23,838		8,486		183,494

	Term Loans Amortized Cost Basis by Origination Year
	2023		2022		2021		2020		2019		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
December 31, 2023
Commercial, Financial, Agricultural	$	312,902	$	289,264	$	162,535	$	98,894	$	51,162	$	38,518	$	883,302	$	19,440	$	1,856,017
Pass	311,312		288,249		161,902		97,771		50,936		32,169		870,792		19,338		1,832,469
Special Mention	893		364		10		294		—		291		914		63		2,829
Substandard	697		651		623		829		226		6,058		11,596		39		20,719
Lease Financing Receivables	$	32,842	$	49,628	$	12,317	$	13,553	$	5,969	$	1,700	$	—	$	—	$	116,009
Pass	32,842		47,050		12,317		11,735		5,443		1,395		—		—		110,782
Watch	—		2,578		—		1,818		526		305		—		—		5,227
Substandard	—		—		—		—		—		—		—		—		—
Real Estate - Construction	$	320,889	$	581,201	$	308,442	$	16,066	$	—	$	1,823	$	1,225	$	—	$	1,229,646
Residential	$	149,399	$	12,883	$	1,989	$	—	$	—	$	369	$	1,225	$	—	$	165,865
Pass	146,535		10,147		1,989		—		—		369		1,225		—		160,265
Special Mention	2,415		—		—		—		—		—		—		—		2,415
Substandard	449		2,736		—		—		—		—		—		—		3,185
Commercial	$	171,490	$	568,318	$	306,453	$	16,066	$	—	$	1,454	$	—	$	—	$	1,063,781
Pass	142,917		568,318		306,453		16,066		—		1,454		—		—		1,035,208
Special Mention	28,573		—		—		—		—		—		—		—		28,573
Substandard	—		—		—		—		—		—		—		—		—
Real Estate - 1-4 Family Mortgage	$	145,568	$	176,724	$	100,757	$	41,542	$	19,753	$	30,783	$	30,889	$	1,834	$	547,850
Primary	$	8,512	$	8,729	$	6,194	$	3,943	$	1,792	$	8,573	$	3,272	$	915	$	41,930
Pass	8,134		8,511		5,859		3,943		1,781		8,140		3,272		915		40,555
Special Mention	183		—		—		—		—		34		—		—		217
Substandard	195		218		335		—		11		399		—		—		1,158
Home Equity	$	1,107	$	10	$	996	$	—	$	—	$	16	$	20,628	$	74	$	22,831

	Term Loans Amortized Cost Basis by Origination Year
	2023		2022		2021		2020		2019		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
Pass	1,107		10		996		—		—		1		20,628		—		22,742
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		15		—		74		89
Rental/Investment	$	89,760	$	129,241	$	75,457	$	37,171	$	17,817	$	18,721	$	4,678	$	845	$	373,690
Pass	89,135		128,939		74,330		35,388		16,670		18,109		4,678		583		367,832
Special Mention	63		47		256		4		50		42		—		—		462
Substandard	562		255		871		1,779		1,097		570		—		262		5,396
Land Development	$	46,189	$	38,744	$	18,110	$	428	$	144	$	3,473	$	2,311	$	—	$	109,399
Pass	46,151		38,744		18,110		409		144		3,372		2,311		—		109,241
Special Mention	—		—		—		—		—		101		—		—		101
Substandard	38		—		—		19		—		—		—		—		57
Real Estate - Commercial Mortgage	$	716,844	$	1,572,099	$	1,111,564	$	717,571	$	429,783	$	723,344	$	176,617	$	26,252	$	5,474,074
Owner-Occupied	$	264,589	$	336,491	$	321,491	$	214,365	$	164,931	$	283,517	$	60,200	$	3,247	$	1,648,831
Pass	260,831		325,575		318,391		212,368		159,552		275,088		56,453		2,977		1,611,235
Special Mention	562		1,147		890		107		3,385		2,953		25		—		9,069
Substandard	3,196		9,769		2,210		1,890		1,994		5,476		3,722		270		28,527
Non-Owner Occupied	$	432,769	$	1,195,500	$	776,264	$	499,290	$	260,355	$	434,541	$	111,609	$	22,821	$	3,733,149
Pass	428,740		1,194,864		761,476		494,971		223,264		398,188		111,609		13,774		3,626,886
Special Mention	1,339		454		14,422		4,111		14,001		12,677		—		—		47,004
Substandard	2,690		182		366		208		23,090		23,676		—		9,047		59,259
Land Development	$	19,486	$	40,108	$	13,809	$	3,916	$	4,497	$	5,286	$	4,808	$	184	$	92,094
Pass	18,996		36,479		13,567		3,775		4,479		5,046		4,776		184		87,302
Special Mention	432		3,334		36		—		—		—		—		—		3,802
Substandard	58		295		206		141		18		240		32		—		990
Installment loans to individuals	$	—	$	—	$	—	$	—	$	3	$	—	$	—	$	—	$	3
Pass	—		—		—		—		3		—		—		—		3
Special Mention	—		—		—		—		—		—		—		—		—
Substandard	—		—		—		—		—		—		—		—		—
Total loans subject to risk rating	$	1,529,045	$	2,668,916	$	1,695,615	$	887,626	$	506,670	$	796,168	$	1,092,033	$	47,526	$	9,223,599
Pass	1,486,700		2,646,886		1,675,390		876,426		462,272		743,331		1,075,744		37,771		9,004,520
Special Mention	34,460		7,924		15,614		6,334		17,962		16,403		939		63		99,699
Substandard	7,885		14,106		4,611		4,866		26,436		36,434		15,350		9,692		119,380

The following tables present the performing status of the Company’s loan portfolio not subject to risk rating as of the dates presented:

	Term Loans Amortized Cost Basis by Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
December 31, 2024
Commercial, Financial, Agricultural	$	—	$	—	$	—	$	—	$	—	$	20,173	$	—	$	—	$	20,173
Performing Loans	—		—		—		—		—		20,173		—		—		20,173
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Lease Financing Receivables	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—

	Term Loans Amortized Cost Basis by Origination Year
	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Real Estate - Construction	$	37,714	$	23,301	$	11,210	$	2,056	$	—	$	—	$	108	$	266	$	74,655
Residential	$	37,714	$	23,301	$	11,210	$	2,056	$	—	$	—	$	108	$	266	$	74,655
Performing Loans	37,514		23,301		11,210		2,056		—		—		108		266		74,455
Non-Performing Loans	200		—		—		—		—		—		—		—		200
Commercial	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Real Estate - 1-4 Family Mortgage	$	154,305	$	341,962	$	708,223	$	492,408	$	280,382	$	417,656	$	499,157	$	13,692	$	2,907,785
Primary	$	152,511	$	340,032	$	706,868	$	490,903	$	279,683	$	417,316	$	—	$	893	$	2,388,206
Performing Loans	152,207		336,019		692,470		485,325		269,503		397,394		—		893		2,333,811
Non-Performing Loans	304		4,013		14,398		5,578		10,180		19,922		—		—		54,395
Home Equity	$	30	$	—	$	—	$	—	$	—	$	195	$	499,157	$	12,799	$	512,181
Performing Loans	30		—		—		—		—		177		499,052		9,553		508,812
Non-Performing Loans	—		—		—		—		—		18		105		3,246		3,369
Rental/Investment	$	—	$	—	$	—	$	256	$	—	$	58	$	—	$	—	$	314
Performing Loans	—		—		—		256		—		58		—		—		314
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Land Development	$	1,764	$	1,930	$	1,355	$	1,249	$	699	$	87	$	—	$	—	$	7,084
Performing Loans	1,764		1,919		1,355		1,240		699		87		—		—		7,064
Non-Performing Loans	—		11		—		9		—		—		—		—		20
Real Estate - Commercial Mortgage	$	2,614	$	2,350	$	1,902	$	2,567	$	1,460	$	396	$	—	$	—	$	11,289
Owner-Occupied	$	—	$	—	$	—	$	—	$	121	$	1	$	—	$	—	$	122
Performing Loans	—		—		—		—		121		1		—		—		122
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Non-Owner Occupied	$	—	$	—	$	—	$	—	$	21	$	—	$	—	$	—	$	21
Performing Loans	—		—		—		—		21		—		—		—		21
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Land Development	$	2,614	$	2,350	$	1,902	$	2,567	$	1,318	$	395	$	—	$	—	$	11,146
Performing Loans	2,614		2,350		1,789		2,567		1,317		395		—		—		11,032
Non-Performing Loans	—		—		113		—		1		—		—		—		114
Installment loans to individuals	$	32,598	$	11,488	$	7,971	$	3,815	$	1,317	$	17,261	$	15,530	$	29	$	90,009
Performing Loans	32,561		11,472		7,971		3,802		1,317		17,212		15,529		29		89,893
Non-Performing Loans	37		16		—		13		—		49		1		—		116
Total loans not subject to risk rating	$	227,231	$	379,101	$	729,306	$	500,846	$	283,159	$	455,486	$	514,795	$	13,987	$	3,103,911
Performing Loans	226,690		375,061		714,795		495,246		272,978		435,497		514,689		10,741		3,045,697
Non-Performing Loans	541		4,040		14,511		5,600		10,181		19,989		106		3,246		58,214

	Term Loans Amortized Cost Basis by Origination Year
	2023		2022		2021		2020		2019		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Loans
December 31, 2023
Commercial, Financial, Agricultural	$	—	$	—	$	—	$	—	$	—	$	15,804	$	—	$	—	$	15,804
Performing Loans	—		—		—		—		—		15,804		—		—		15,804
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Lease Financing Receivables	$	—	$	—	$	—	$	—	$	—	$	11	$	—	$	—	$	11
Performing Loans	—		—		—		—		—		11		—		—		11
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Real Estate - Construction	$	48,003	$	41,070	$	14,158	$	—	$	—	$	—	$	490	$	30	$	103,751
Residential	$	48,003	$	41,070	$	14,158	$	—	$	—	$	—	$	490	$	30	$	103,751
Performing Loans	48,003		41,070		14,158		—		—		—		490		30		103,751
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Commercial	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—	$	—
Performing Loans	—		—		—		—		—		—		—		—		—
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Real Estate - 1-4 Family Mortgage	$	339,406	$	731,088	$	536,544	$	312,015	$	133,852	$	339,842	$	493,515	$	5,807	$	2,892,069
Primary	$	334,103	$	727,993	$	534,667	$	311,199	$	133,433	$	339,111	$	—	$	46	$	2,380,552
Performing Loans	333,751		720,759		528,383		302,065		128,859		322,677		—		46		2,336,540
Non-Performing Loans	352		7,234		6,284		9,134		4,574		16,434		—		—		44,012
Home Equity	$	—	$	—	$	111	$	—	$	—	$	470	$	493,515	$	5,761	$	499,857
Performing Loans	—		—		111		—		—		466		491,849		4,584		497,010
Non-Performing Loans	—		—		—		—		—		4		1,666		1,177		2,847
Rental/Investment	$	—	$	—	$	—	$	—	$	—	$	65	$	—	$	—	$	65
Performing Loans	—		—		—		—		—		65		—		—		65
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Land Development	$	5,303	$	3,095	$	1,766	$	816	$	419	$	196	$	—	$	—	$	11,595
Performing Loans	5,303		3,095		1,766		816		419		196		—		—		11,595
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Real Estate - Commercial Mortgage	$	3,640	$	2,674	$	3,054	$	1,890	$	902	$	316	$	—	$	—	$	12,476
Owner-Occupied	$	—	$	—	$	—	$	126	$	—	$	4	$	—	$	—	$	130
Performing Loans	—		—		—		126		—		4		—		—		130
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Non-Owner Occupied	$	—	$	—	$	—	$	25	$	—	$	—	$	—	$	—	$	25
Performing Loans	—		—		—		25		—		—		—		—		25
Non-Performing Loans	—		—		—		—		—		—		—		—		—
Land Development	$	3,640	$	2,674	$	3,054	$	1,739	$	902	$	312	$	—	$	—	$	12,321
Performing Loans	3,640		2,383		3,054		1,736		902		312		—		—		12,027
Non-Performing Loans	—		291		—		3		—		—		—		—		294
Installment loans to individuals	$	35,274	$	17,322	$	7,121	$	2,827	$	9,786	$	17,276	$	13,769	$	145	$	103,520
Performing Loans	35,112		17,229		7,121		2,824		9,754		17,206		13,769		145		103,160
Non-Performing Loans	162		93		—		3		32		70		—		—		360
Total loans not subject to risk rating	$	426,323	$	792,154	$	560,877	$	316,732	$	144,540	$	373,249	$	507,774	$	5,982	$	3,127,631
Performing Loans	425,809		784,536		554,593		307,592		139,934		356,741		506,108		4,805		3,080,118
Non-Performing Loans	514		7,618		6,284		9,140		4,606		16,508		1,666		1,177		47,513

The following table discloses gross charge-offs by year of origination for the year ended December 31, 2024:

	2024		2023		2022		2021		2020		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Charge-offs
Commercial, financial, agricultural	$	—	$	46	$	152	$	879	$	4	$	2,975	$	407	$	—	$	4,463
Lease financing	—		336		306		—		—		—		—		—		642
Real estate – construction:
Residential	—		—		145		—		—		—		—		—		145
Commercial	—		—		—		—		—		—		—		—		—
Total real estate – construction	$	—	$	—	$	145	$	—	$	—	$	—	$	—	$	—	$	145
Real estate – 1-4 family mortgage:
Primary	—		29		195		35		110		102		—		—		471
Home equity	—		—		329		—		—		121		—		—		450
Rental/investment	—		—		—		—		—		45		—		—		45
Total real estate – 1-4 family mortgage	$	—	$	29	$	524	$	35	$	110	$	268	$	—	$	—	$	966
Real estate – commercial mortgage:
Owner-occupied	—		—		37		—		—		—		—		—		37
Non-owner occupied	—		—		—		—		—		5,693		—		—		5,693
Total real estate – commercial mortgage	$	—	$	—	$	37	$	—	$	—	$	5,700	$	—	$	—	$	5,737
Installment loans to individuals	$	36	$	110	$	69	$	15	$	3	$	1,623	$	—	$	—	$	1,856
Loans, net of unearned income	$	36	$	521	$	1,233	$	929	$	117	$	10,566	$	407	$	—	$	13,809

The following table discloses gross charge-offs by year of origination for the year ended December 31, 2023:

	2023		2022		2021		2020		2019		Prior		Revolving Loans		Revolving Loans Converted to Term		Total Charge-offs
Commercial, financial, agricultural	$	898	$	1,909	$	235	$	131	$	635	$	4,165	$	865	$	—	$	8,838
Lease financing	883		273		248		72		48		—		—		—		1,524
Real estate – construction:
Residential	—		57		—		—		—		—		—		—		57
Commercial	—		—		—		—		—		—		—		—		—
Total real estate – construction	$	—	$	57	$	—	$	—	$	—	$	—	$	—	$	—	$	57
Real estate – 1-4 family mortgage:
Primary	—		17		—		—		—		92		—		—		109
Home equity	—		—		—		—		25		90		—		—		115
Rental/investment	—		—		91		72		10		20		—		—		193
Total real estate – 1-4 family mortgage	$	—	$	17	$	91	$	72	$	35	$	202	$	—	$	—	$	417
Real estate – commercial mortgage:
Owner-occupied	—		—		—		—		—		582		—		—		582
Non-owner occupied	—		—		—		—		—		4,986		—		—		4,986
Total real estate – commercial mortgage	$	—	$	—	$	—	$	—	$	—	$	5,568	$	—	$	—	$	5,568
Installment loans to individuals	$	29	$	45	$	43	$	35	$	7	$	2,477	$	—	$	—	$	2,636
Loans, net of unearned income	$	1,810	$	2,301	$	617	$	310	$	725	$	12,412	$	865	$	—	$	19,040

Schedule of related party loans

A summary of the changes in related party loans follows:

Loans at December 31, 2023	$	5,063
New loans and advances	94
Payments received	(907)
Loans at December 31, 2024	$	4,250