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Loans
 3 Months Ended
Mar. 31, 2025
Receivables [Abstract]  
Loans Loans
(In Thousands, Except Number of Loans)

For purposes of this Note 3, all references to “loans” mean loans excluding loans held for sale.

The following is a summary of loans and leases as of the dates presented:
 
March 31,
2025		December 31, 2024
Commercial, financial, agricultural$1,888,580 $1,885,817 
Lease financing89,533 95,071 
Real estate – construction:
Residential273,583 256,655 
Commercial817,279 836,998 
Total real estate – construction1,090,862 1,093,653 
Real estate – 1-4 family mortgage:
Primary2,471,818 2,428,076 
Home equity551,305 544,158 
Rental/investment434,069 402,938 
Land development125,888 113,705 
Total real estate – 1-4 family mortgage3,583,080 3,488,877 
Real estate – commercial mortgage:
Owner-occupied1,949,177 1,894,679 
Non-owner occupied4,262,145 4,226,937 
Land development108,798 114,452 
Total real estate – commercial mortgage6,320,120 6,236,068 
Installment loans to individuals87,539 90,014 
Gross loans13,059,714 12,889,500 
Unearned income(4,121)(4,480)
Loans, net of unearned income$13,055,593 $12,885,020 


Past Due and Nonaccrual Loans
Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Generally, the recognition of interest on loans is discontinued at the time the loan is 90 days past due unless the credit is well-secured and in process of collection. Consumer and other retail loans are typically charged-off no later than the time the loan is 120 days past due. In all cases, loans are placed on nonaccrual status or charged-off at an earlier date if collection of principal or interest is considered doubtful. Loans may be placed on nonaccrual status regardless of whether or not
such loans are considered past due. For loans that are placed on nonaccrual status or charged-off, all interest accrued for the current year but not collected is reversed against interest income. The interest on these loans is accounted for on the cash-basis or cost-recovery method, until qualifying for return to accrual status. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

The following tables provide an aging of past due accruing and nonaccruing loans, segregated by class, as of the dates presented:
 Accruing LoansNonaccruing 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
March 31, 2025
Commercial, financial, agricultural$5,173 $4 $1,881,528 $1,886,705 $186 $712 $977 $1,875 $1,888,580 
Lease financing— — 85,561 85,561 — 559 3,413 3,972 89,533 
Real estate – construction:
Residential— — 270,367 270,367 — 3,216 — 3,216 273,583 
Commercial— — 817,279 817,279 — — — — 817,279 
Total real estate – construction— — 1,087,646 1,087,646 — 3,216 — 3,216 1,090,862 
Real estate – 1-4 family mortgage:
Primary26,631 58 2,404,818 2,431,507 19,338 15,438 5,535 40,311 2,471,818 
Home equity3,710 — 546,162 549,872 417 621 395 1,433 551,305 
Rental/investment313 2 433,279 433,594 — 355 120 475 434,069 
Land development— — 125,844 125,844 27 — 17 44 125,888 
Total real estate – 1-4 family mortgage30,654 60 3,510,103 3,540,817 19,782 16,414 6,067 42,263 3,583,080 
Real estate – commercial mortgage:
Owner-occupied3,025 22 1,934,026 1,937,073 2,207 252 9,645 12,104 1,949,177 
Non-owner occupied213 — 4,229,906 4,230,119 — — 32,026 32,026 4,262,145 
Land development342 — 105,394 105,736 61 51 2,950 3,062 108,798 
Total real estate – commercial mortgage3,580 22 6,269,326 6,272,928 2,268 303 44,621 47,192 6,320,120 
Installment loans to individuals781 9 86,629 87,419 — 13 107 120 87,539 
Unearned income— — (4,121)(4,121)— — — — (4,121)
Loans, net of unearned income$40,188 $95 $12,916,672 $12,956,955 $22,236 $21,217 $55,185 $98,638 $13,055,593 
 
 Accruing LoansNonaccruing 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 financing27 — 90,961 90,988 78 614 3,391 4,083 95,071 
Real estate – construction:
Residential2,194 — 253,238 255,432 — 1,023 200 1,223 256,655 
Commercial— 16 836,982 836,998 — — — — 836,998 
Total real estate – construction2,194 16 1,090,220 1,092,430 — 1,023 200 1,223 1,093,653 
Real estate – 1-4 family mortgage:
Primary29,258 — 2,343,781 2,373,039 13,627 25,335 16,075 55,037 2,428,076 
Home equity3,186 35 537,568 540,789 941 1,094 1,334 3,369 544,158 
Rental/investment573 12 401,977 402,562 136 240 — 376 402,938 
Land development25 1,740 111,920 113,685 20 — — 20 113,705 
Total real estate – 1-4 family mortgage33,042 1,787 3,395,246 3,430,075 14,724 26,669 17,409 58,802 3,488,877 
Real estate – commercial mortgage:
Owner-occupied2,650 365 1,879,350 1,882,365 296 1,000 11,018 12,314 1,894,679 
Non-owner occupied326 — 4,197,331 4,197,657 — — 29,280 29,280 4,226,937 
Land development142 160 111,019 111,321 98 16 3,017 3,131 114,452 
Total real estate – commercial mortgage3,118 525 6,187,700 6,191,343 394 1,016 43,315 44,725 6,236,068 
Installment loans to individuals654 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 

Certain Modifications to Borrowers Experiencing Financial Difficulty
Certain modifications of loans made to borrowers experiencing financial difficulty in the form of principal forgiveness, an interest rate reduction, an other-than-insignificant payment delay (including extension of the amortization period), or a term extension, but excluding covenant waivers and modification of contingent acceleration clauses, are required to be disclosed in accordance with ASU 2022-02, “Financial Instruments - Credit Losses (Topic 326): Troubled Debt Restructurings and Vintage Disclosures” (“ASU 2022-02”). All modifications for the three months ended March 31, 2025 and 2024 and which met the disclosure criteria in ASU 2022-02 were performing in accordance with their modified terms at March 31, 2025 and 2024, respectively. There were no unused commitments at March 31, 2025. There were $85 in unused commitments at March 31, 2024. Upon the Company’s determination that a modification has subsequently become uncollectible, the loan, or portion of the loan, is charged off, the amortized cost basis of the loan is reduced by the uncollectible amount, and the allowance for credit losses is adjusted accordingly. See Note 4, “Allowance for Credit Losses,” for more information on the allowance for credit losses.
The following tables present the amortized cost basis of loans that were experiencing financial difficulty, modified during the three months ended March 31, 2025 and 2024, respectively, 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.

Three Months Ended March 31, 2025
Term ExtensionInterest Rate Reduction, Term Extension and Payment DelayTotal% Total Loans by Class
Real estate – commercial mortgage:
Non-owner occupied$2,161 $— $2,161 0.05 %
Total real estate – commercial mortgage2,161 — 2,161 0.03 
Installment loans to individuals— 2 2 — 
Loans, net of unearned income$2,161 $2 $2,163 0.02 %

Three Months Ended March 31, 2024
Interest Rate ReductionTerm ExtensionPayment DelayTerm Extension and Payment DelayInterest Rate Reduction and Term ExtensionTotal% Total Loans by Class
Commercial, financial, agricultural$1,741 $165 $— $517 $— $2,423 0.13 %
Real estate – 1-4 family mortgage:
Primary— 33 246 — — 279 0.01 
Real estate – commercial mortgage:
Owner-occupied7,431 187 — — 270 7,888 0.47 
Non-owner occupied— — 89 — — 89 — 
Total real estate – commercial mortgage7,431 187 89 — 270 7,977 0.14 
Installment loans to individuals— — 14 — — 14 0.01 
Loans, net of unearned income$9,172 $385 $349 $517 $270 $10,693 0.09 %




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.
Three months ended March 31, 2025
Loan TypeFinancial Effect
Term Extension
Real Estate - Commercial Mortgage - Non-owner Occupied
Extended the term 12 months
Combination - Interest Rate Reduction, Term Extension and Payment Delay
Installment loans to individuals
Reduced the interest rate 425 basis points and extended the term and delayed the payment 49 months

Three months ended March 31, 2024
Loan TypeFinancial Effect
Interest Rate Reduction
Commercial, financial, agricultural
Reduced the interest rate 39 basis points
Real Estate - Commercial Mortgage - Owner Occupied
Reduced the interest rate 47 basis points
Term Extension
Commercial, financial, agricultural
Extended the term 7.5 months
Real estate – 1-4 family mortgage - Primary
Extended the term 24 months
Real Estate - Commercial Mortgage - Owner Occupied
Extended the term 10 months
Payment Delay
Real estate – 1-4 family mortgage - Primary
Delayed the payment 35.7 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
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
Credit Quality
For loans with a commercial purpose, internal risk-rating grades are assigned by lending, credit administration and loan review personnel, based on an analysis of the financial and collateral strength and other credit attributes underlying each loan. Management analyzes the resulting ratings, as well as other external statistics and factors such as delinquency, to track the migration performance of the portfolio balances of commercial and commercial real estate secured loans. Loan grades range between 10 and 95, with 10 being loans with the least credit risk. Loans within the “Pass” grade (those with a risk rating between 10 and 60) generally have a lower risk of loss and therefore a lower risk factor applied to the loan balances. The “Special Mention” grade (those with a risk rating of 70) represents a loan where a significant adverse risk-modifying action is anticipated in the near term that, if left uncorrected, could result in deterioration of the credit quality of the loan. Loans that migrate toward the “Substandard” grade (those with a risk rating between 80 and 95) generally have a higher risk of loss and therefore a higher risk factor applied to those related loan balances.
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
 20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotal
Loans
March 31, 2025
Commercial, Financial, Agricultural$126,558 $242,713 $170,453 $198,342 $107,379 $88,680 $944,959 $8,600 $1,887,684 
Pass126,436 239,608 168,243 196,673 106,886 87,041 930,370 528 1,855,785 
 Term Loans Amortized Cost Basis by Origination Year
 20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotal
Loans
Special Mention57 814 1,191 56 49 220 6,988 — 9,375 
Substandard65 2,291 1,019 1,613 444 1,419 7,601 8,072 22,524 
Lease Financing Receivables$3,031 $11,050 $20,235 $36,304 $8,401 $6,391 $— $— $85,412 
Pass2,966 11,050 16,440 34,545 8,260 6,365 — — 79,626 
Special Mention65 — — 56 — — — — 121 
Substandard— — 3,795 1,703 141 26 — — 5,665 
Real Estate - Construction$72,710 $365,237 $268,117 $290,649 $— $— $20,537 $452 $1,017,702 
Residential56,299 130,338 10,468 1,990 — — 1,328 — 200,423 
Pass56,299 128,144 9,686 1,749 — — 1,328 — 197,206 
Special Mention— — — — — — — — — 
Substandard— 2,194 782 241 — — — — 3,217 
Commercial16,411 234,899 257,649 288,659 — — 19,209 452 817,279 
Pass16,411 234,826 245,322 288,659 — — 19,209 452 804,879 
Special Mention— — 12,327 — — — — — 12,327 
Substandard— 73 — — — — — — 73 
Real Estate - 1-4 Family Mortgage$87,420 $177,584 $103,163 $113,563 $65,398 $47,487 $42,521 $136 $637,272 
Primary5,944 10,065 5,289 7,737 4,932 7,183 1,114 85 42,349 
Pass5,944 10,065 5,046 7,423 4,666 6,525 1,114 85 40,868 
Special Mention— — — 142 — — — — 142 
Substandard— — 243 172 266 658 — — 1,339 
Home Equity611 998 898 7 922 29 38,963 51 42,479 
Pass611 998 898 7 922 — 38,963 — 42,399 
Special Mention— — — — — — — — — 
Substandard— — — — — 29 — 51 80 
Rental/Investment58,157 93,231 77,613 104,225 58,557 40,045 1,930 — 433,758 
Pass58,157 92,727 76,847 104,128 58,318 39,294 1,930 — 431,401 
Special Mention— 178 560 11 78 21 — — 848 
Substandard— 326 206 86 161 730 — — 1,509 
Land Development22,708 73,290 19,363 1,594 987 230 514 — 118,686 
Pass22,708 73,290 19,363 1,594 987 230 514 — 118,686 
Special Mention— — — — — — — — — 
Substandard— — — — — — — — — 
Real Estate - Commercial Mortgage$388,995 $981,860 $734,434 $1,849,690 $1,041,612 $1,015,908 $288,141 $9,806 $6,310,446 
Owner-Occupied95,887 368,008 290,183 340,432 292,772 373,954 180,173 7,645 1,949,054 
Pass95,753 363,221 279,677 328,471 287,349 366,902 164,802 7,393 1,893,568 
Special Mention29 4,497 2,353 1,302 926 2,146 9,742 — 20,995 
Substandard105 290 8,153 10,659 4,497 4,906 5,629 252 34,491 
Non-Owner Occupied282,771 570,998 435,870 1,492,023 739,394 638,449 100,459 2,161 4,262,125 
Pass282,563 548,110 435,450 1,413,224 734,084 586,648 100,459 — 4,100,538 
Special Mention— 5,747 19 39,925 — 5,292 — — 50,983 
Substandard208 17,141 401 38,874 5,310 46,509 — 2,161 110,604 
Land Development10,337 42,854 8,381 17,235 9,446 3,505 7,509 — 99,267 
Pass10,267 42,484 7,568 14,106 9,279 3,240 7,509 — 94,453 
Special Mention70 65 795 — — 58 — — 988 
Substandard— 305 18 3,129 167 207 — — 3,826 
 Term Loans Amortized Cost Basis by Origination Year
 20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotal
Loans
Installment loans to individuals$— $— $— $— $— $— $— $— $— 
Pass— — — — — — — — — 
Special Mention— — — — — — — — — 
Substandard— — — — — — — — — 
Total loans subject to risk rating$678,714 $1,778,444 $1,296,402 $2,488,548 $1,222,790 $1,158,466 $1,296,158 $18,994 $9,938,516 
Pass678,115 1,744,523 1,264,540 2,390,579 1,210,751 1,096,245 1,266,198 8,458 9,659,409 
Special Mention221 11,301 17,245 41,492 1,053 7,737 16,730 — 95,779 
Substandard378 22,620 14,617 56,477 10,986 54,484 13,230 10,536 183,328 


 Term Loans Amortized Cost Basis by Origination Year
 20242023202220212020PriorRevolving LoansRevolving Loans Converted to TermTotal
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 
Pass287,632 206,087 213,209 112,527 64,780 52,756 874,104 2,767 1,813,862 
Special Mention591 1,613 185 242 107 378 7,006 — 10,122 
Substandard4,694 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 
Pass12,239 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 
Residential162,966 15,455 1,708 — — 625 1,246 — 182,000 
Pass160,772 14,673 1,467 — — 625 1,246 — 178,783 
Special Mention2,194 — — — — — — — 2,194 
Substandard— 782 241 — — — — — 1,023 
Commercial190,602 228,372 380,731 18,443 — — 18,850 — 836,998 
Pass190,602 216,051 380,731 18,443 — — 18,850 — 824,677 
Special Mention— 12,321 — — — — — — 12,321 
Substandard— — — — — — — — — 
 Term Loans Amortized Cost Basis by Origination Year
 20242023202220212020PriorRevolving LoansRevolving Loans Converted to TermTotal
Loans
Real Estate - 1-4 Family Mortgage$187,587 $110,606 $120,025 $66,034 $33,800 $26,150 $35,740 $1,150 $581,092 
Primary10,925 5,336 7,865 4,247 2,463 6,534 1,704 796 39,870 
Pass10,925 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 Equity966 1,005 7 937 — 35 28,976 51 31,977 
Pass966 1,005 7 937 — — 28,976 — 31,891 
Special Mention— — — — — — — — — 
Substandard— — — — — 35 — 51 86 
Rental/Investment96,447 83,682 108,436 59,836 31,029 18,146 4,745 303 402,624 
Pass95,903 82,878 108,296 59,553 30,936 17,487 4,745 213 400,011 
Special Mention180 564 44 52 24 — — — 864 
Substandard364 240 96 231 69 659 — 90 1,749 
Land Development79,249 20,583 3,717 1,014 308 1,435 315 — 106,621 
Pass79,150 20,583 1,977 1,014 308 1,435 315 — 104,782 
Special Mention99 — 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-Occupied373,353 271,445 339,116 275,077 190,911 304,663 137,023 2,969 1,894,557 
Pass372,183 261,624 330,018 271,228 188,860 299,578 130,847 2,717 1,857,055 
Special Mention948 348 388 850 131 1,538 — — 4,203 
Substandard222 9,473 8,710 2,999 1,920 3,547 6,176 252 33,299 
Non-Owner Occupied576,021 427,715 1,447,377 724,161 428,874 484,792 105,645 32,331 4,226,916 
Pass554,095 427,339 1,354,418 718,043 425,291 430,220 105,645 24,360 4,039,411 
Special Mention4,900 21 77,741 814 1,138 8,254 — — 92,868 
Substandard17,026 355 15,218 5,304 2,445 46,318 — 7,971 94,637 
Land Development47,200 9,628 20,676 9,939 3,033 3,504 9,151 175 103,306 
Pass47,134 9,585 17,187 9,735 2,783 3,468 9,151 175 99,218 
Special Mention66 24 142 31 59 — — — 322 
Substandard— 19 3,347 173 191 36 — — 3,766 
Installment loans to individuals$5 $— $— $— $— $— $— $— $5 
Pass5 — — — — — — — 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 
Pass1,811,606 1,262,176 2,449,505 1,204,237 718,008 814,591 1,175,583 31,028 9,466,734 
Special Mention8,978 16,152 83,637 2,162 2,596 10,350 7,006 — 130,881 
Substandard22,306 16,132 44,919 9,572 5,859 52,382 23,838 8,486 183,494 

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
 20252024202320222021PriorRevolving LoansRevolving Loans Converted to TermTotal
Loans
March 31, 2025
Commercial, Financial, Agricultural$896 $— $— $— $— $— $— $— $896 
Performing Loans896 — — — — — — — 896 
Non-Performing Loans— — — — — — — — — 
Lease Financing Receivables$— $— $— $— $— $— $— $— $— 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Real Estate - Construction$3,019 $41,972 $18,355 $7,049 $2,020 $— $296 $449 $73,160 
Residential3,019 41,972 18,355 7,049 2,020 — 296 449 73,160 
Performing Loans3,019 41,972 18,355 7,049 2,020 — 296 449 73,160 
Non-Performing Loans— — — — — — — — — 
Commercial— — — — — — — — — 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Real Estate - 1-4 Family Mortgage$93,774 $174,780 $339,394 $698,997 $483,286 $647,510 $494,200 $13,867 $2,945,808 
Primary92,616 173,694 337,658 697,710 481,831 645,960 — — 2,429,469 
Performing Loans92,616 173,392 333,563 688,588 478,002 623,639 — — 2,389,800 
Non-Performing Loans— 302 4,095 9,122 3,829 22,321 — — 39,669 
Home Equity— — — — — 759 494,200 13,867 508,826 
Performing Loans— — — — — 690 494,126 12,576 507,392 
Non-Performing Loans— — — — — 69 74 1,291 1,434 
Rental/Investment— — — — 255 56 — — 311 
Performing Loans— — — — 255 56 — — 311 
Non-Performing Loans— — — — — — — — — 
Land Development1,158 1,086 1,736 1,287 1,200 735 — — 7,202 
Performing Loans1,158 1,059 1,726 1,287 1,193 735 — — 7,158 
Non-Performing Loans— 27 10 — 7 — — — 44 
Real Estate - Commercial Mortgage$307 $1,469 $2,219 $1,782 $2,556 $1,341 $— $— $9,674 
Owner-Occupied— — — — — 123 — — 123 
Performing Loans— — — — — 123 — — 123 
Non-Performing Loans— — — — — — — — — 
Non-Owner Occupied— — — — — 20 — — 20 
Performing Loans— — — — — 20 — — 20 
Non-Performing Loans— — — — — — — — — 
Land Development307 1,469 2,219 1,782 2,556 1,198 — — 9,531 
Performing Loans307 1,469 2,184 1,767 2,556 1,198 — — 9,481 
Non-Performing Loans— — 35 15 — — — — 50 
Installment loans to individuals$12,156 $23,348 $8,999 $6,564 $3,289 $15,744 $17,147 $292 $87,539 
Performing Loans12,156 23,341 8,994 6,564 3,283 15,633 17,147 292 87,410 
Non-Performing Loans— 7 5 — 6 111 — — 129 
Total loans not subject to risk rating$110,152 $241,569 $368,967 $714,392 $491,151 $664,595 $511,643 $14,608 $3,117,077 
Performing Loans110,152 241,233 364,822 705,255 487,309 642,094 511,569 13,317 3,075,751 
Non-Performing Loans— 336 4,145 9,137 3,842 22,501 74 1,291 41,326 
 Term Loans Amortized Cost Basis by Origination Year
 20242023202220212020PriorRevolving LoansRevolving Loans Converted to TermTotal
Loans
December 31, 2024
Commercial, Financial, Agricultural$— $— $— $— $— $20,173 $— $— $20,173 
Performing Loans— — — — — 20,173 — — 20,173 
Non-Performing Loans— — — — — — — — — 
Lease Financing Receivables$— $— $— $— $— $— $— $— $— 
Performing Loans— — — — — — — — — 
Non-Performing Loans— — — — — — — — — 
Real Estate - Construction$37,714 $23,301 $11,210 $2,056 $— $— $108 $266 $74,655 
Residential37,714 23,301 11,210 2,056 — — 108 266 74,655 
Performing Loans37,514 23,301 11,210 2,056 — — 108 266 74,455 
Non-Performing Loans200 — — — — — — — 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 
Primary152,511 340,032 706,868 490,903 279,683 417,316 — 893 2,388,206 
Performing Loans152,207 336,019 692,470 485,325 269,503 397,394 — 893 2,333,811 
Non-Performing Loans304 4,013 14,398 5,578 10,180 19,922 — — 54,395 
Home Equity30 — — — — 195 499,157 12,799 512,181 
Performing Loans30 — — — — 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 Development1,764 1,930 1,355 1,249 699 87 — — 7,084 
Performing Loans1,764 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 Development2,614 2,350 1,902 2,567 1,318 395 — — 11,146 
Performing Loans2,614 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 Loans32,561 11,472 7,971 3,802 1,317 17,212 15,529 29 89,893 
Non-Performing Loans37 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 Loans226,690 375,061 714,795 495,246 272,978 435,497 514,689 10,741 3,045,697 
Non-Performing Loans541 4,040 14,511 5,600 10,181 19,989 106 3,246 58,214 
The following tables disclose gross charge-offs by year of origination for the three months ended March 31, 2025 and year ended December 31, 2024, respectively:

March 31, 202520252024202320222021PriorRevolving LoansTotal Charge-offs
Commercial, financial, agricultural$— $64 $— $1 $— $29 $— $94 
Lease financing— — — — — — — — 
Real estate – 1-4 family mortgage:
Primary— — 153 43 — 49 — 245 
Home equity— — — — — 64 — 64 
Rental/investment— — — — — — — — 
Total real estate – 1-4 family mortgage— — 153 43 — 113 — 309 
Real estate – commercial mortgage:
Owner-occupied— — — — — 461 — 461 
Non-owner occupied— — — — — — — — 
Land development— — — — — — — — 
Total real estate – commercial mortgage— — — — — 461 — 461 
Installment loans to individuals7 29 — 9 — 217 3 265 
Loans, net of unearned income$7 $93 $153 $53 $— $820 $3 $1,129 

December 31, 202420242023202220212020PriorRevolving LoansTotal 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 
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 individuals36 110 69 15 3 1,623 — 1,856 
Loans, net of unearned income$36 $521 $1,233 $929 $117 $10,566 $407 $13,809