Quarterly report pursuant to Section 13 or 15(d)

LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES

v3.23.4
LOANS HELD FOR INVESTMENT AND ALLOWANCE FOR CREDIT LOSSES
6 Months Ended
Jun. 30, 2023
Loans Held For Investment And Allowance For Credit Losses [Abstract]  
Loans held for investment and allowance for credit losses
NOTE 3 – LOANS HELD FOR INVESTMENT AND ALLOWANCE
 
FOR CREDIT LOSSES
Loan Portfolio Composition
.
 
The composition of the held for investment (“HFI”) loan portfolio was as follows:
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
(As Restated)
(As Restated)
(Dollars in Thousands)
June 30, 2023
 
December 31, 2022
Commercial, Financial and Agricultural
$
227,219
 
$
247,362
Real Estate – Construction
 
226,404
 
 
234,519
Real Estate – Commercial Mortgage
 
831,285
 
 
782,557
Real Estate – Residential
(1)
 
898,809
 
 
749,513
Real Estate – Home Equity
 
203,142
 
 
208,217
Consumer
(2)
 
296,653
 
 
325,517
Loans Held For Investment, Net of Unearned Income
$
2,683,512
 
$
2,547,685
(1)
Includes loans in process balance of $
6.1
 
million at both June 30, 2023 and December 31, 2022.
(2)
Includes overdraft balances of $
1.0
 
million and $
1.1
 
million at June 30, 2023 and December 31, 2022, respectively.
Net deferred loan costs, which include premiums on purchased loans,
 
included in loans were $
6.2
 
million at June 30, 2023 and $
5.1
million, as restated, at December 31, 2022.
Accrued interest receivable on loans which is excluded from amortized
 
cost totaled $
9.2
 
million at June 30, 2023 and $
8.0
 
million at
December 31, 2022, and is reported separately in Other Assets.
The Company has pledged a blanket floating lien on all 1-4 family residential mortgage
 
loans, commercial real estate mortgage loans,
and home equity loans to support available borrowing capacity at the FHLB of
 
Atlanta and has pledged a blanket floating lien on all
consumer loans, commercial loans, and construction loans to support available
 
borrowing capacity at the Federal Reserve Bank of
Atlanta.
Loan Purchase and Sales
.
 
The Company will periodically purchase newly originated 1-4 family real
 
estate secured adjustable-rate
loans from Capital City Home Loans (“CCHL”), a related party.
 
Residential loan purchases from CCHL totaled $
199.5
 
million and
$
158.8
 
million for the six months ended June 30, 2023 and June 30, 2022, respectively,
 
and were not credit impaired.
 
For the three
months ended June 30, 2022, the Company also acquired commercial real
 
estate loans that were not credit impaired from a third-party
bank totaling $
15.0
 
million.
 
The Company did
no
t purchase any commercial real estate loans during the three months ended June 30,
2023.
Allowance for Credit Losses
.
 
The methodology for estimating the amount of credit losses reported in the
 
allowance for credit losses
(“ACL”) has two basic components: first, an asset-specific component
 
involving loans that do not share risk characteristics and the
measurement of expected credit losses for such individual loans; and second,
 
a pooled component for expected credit losses for pools
of loans that share similar risk characteristics.
 
This allowance methodology is discussed further in Note 1 – Significant
 
Accounting
Policies in the 2022 Form 10-K/A.
 
The following table details the activity in the allowance for credit losses by portfolio
 
segment.
 
Allocation of a portion of the
allowance to one category of loans does not preclude its availability to absorb
 
losses in other categories.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial,
Real Estate
Financial,
 
Real Estate
Commercial
 
Real Estate
Real Estate
(Dollars in Thousands)
Agricultural
Construction
Mortgage
Residential
Home Equity
Consumer
Total
Three Months Ended
June 30, 2023, as restated
Beginning Balance
$
1,515
$
3,359
$
4,710
$
11,950
$
1,879
$
3,395
$
26,808
Provision for Credit Losses
(86)
(512)
732
1,306
(188)
670
1,922
Charge-Offs
(54)
-
-
-
(39)
(1,887)
(1,980)
Recoveries
 
71
1
11
132
131
1,147
1,493
Net (Charge-Offs) Recoveries
17
1
11
132
92
(740)
(487)
Ending Balance
$
1,446
$
2,848
$
5,453
$
13,388
$
1,783
$
3,325
$
28,243
Six Months Ended
 
June 30, 2023, as restated
Beginning Balance
$
1,506
$
2,654
$
4,815
$
10,741
$
1,864
$
3,488
$
25,068
Provision for Credit Losses
(8)
192
739
2,458
(198)
1,999
5,182
Charge-Offs
(218)
-
(120)
-
(39)
(4,253)
(4,630)
Recoveries
166
2
19
189
156
2,091
2,623
Net (Charge-Offs) Recoveries
(52)
2
(101)
189
117
(2,162)
(2,007)
Ending Balance
$
1,446
$
2,848
$
5,453
$
13,388
$
1,783
$
3,325
$
28,243
Three Months Ended
June 30, 2022, as restated
Beginning Balance
$
2,122
$
2,596
$
5,392
$
4,502
$
1,916
$
4,260
$
20,788
Provision for Credit Losses
564
542
(396)
1,210
(223)
123
1,820
Charge-Offs
(1,104)
-
-
-
-
(1,193)
(2,297)
Recoveries
 
59
-
56
115
67
855
1,152
Net Charge-Offs
(1,045)
-
56
115
67
(338)
(1,145)
Ending Balance
$
1,641
$
3,138
$
5,052
$
5,827
$
1,760
$
4,045
$
21,463
Six Months Ended
 
June 30, 2022, as restated
Beginning Balance
$
2,191
$
3,302
$
5,810
$
4,129
$
2,296
$
3,878
$
21,606
Provision for Credit Losses
403
(172)
(577)
1,556
(628)
1,191
1,773
Charge-Offs
(1,177)
-
(266)
-
(33)
(2,595)
(4,071)
Recoveries
224
8
85
142
125
1,571
2,155
Net Charge-Offs
(953)
8
(181)
142
92
(1,024)
(1,916)
Ending Balance
$
1,641
$
3,138
$
5,052
$
5,827
$
1,760
$
4,045
$
21,463
For the six months ended June 30, 2023, the allowance for HFI loans increased
 
by $
3.2
 
million, as restated, and reflected a provision
expense of $
5.2
 
million and net loan charge-offs of $
2.0
 
million.
 
The increase was primarily driven by incremental reserves needed
for loan growth.
 
For the six months ended June 30, 2022, the allowance decreased by $
0.1
 
million and reflected a provision expense
of $
1.8
 
million and net loan charge-offs of $
1.9
 
million. The lower provision expense for the six months ended June 30, 2022 was
primarily due to the release of reserves held for potential pandemic-related
 
losses that did not materialize to the extent projected,
partially offset by growth in reserves for strong new loan origination
 
volume. Four unemployment forecast scenarios were utilized to
estimate probability of default and are weighted based on management’s
 
estimate of probability.
 
See Note 8 – Commitments and
Contingencies for information on the allowance for off-balance
 
sheet credit commitments.
Loan Portfolio Aging.
 
A loan is defined as a past due loan when one full payment is past due or a contractual maturity
 
is over 30 days
past due (“DPD”).
The following table presents the aging of the amortized cost basis in accruing
 
past due loans by class of loans.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
30-59
 
60-89
 
90 +
 
Total
Total
Nonaccrual
Total
(Dollars in Thousands)
DPD
DPD
DPD
Past Due
Current
Loans
Loans
June 30, 2023, as restated
Commercial, Financial and Agricultural
$
196
$
81
$
-
$
277
$
226,933
$
9
$
227,219
Real Estate – Construction
 
-
218
-
218
225,771
415
226,404
Real Estate – Commercial Mortgage
 
79
45
-
124
828,740
2,421
831,285
Real Estate – Residential
 
241
128
-
369
896,739
1,701
898,809
Real Estate – Home Equity
 
68
-
-
68
202,318
756
203,142
Consumer
 
2,409
742
-
3,151
292,181
1,321
296,653
Total
$
2,993
$
1,214
$
-
$
4,207
$
2,672,682
$
6,623
$
2,683,512
December 31, 2022, as restated
Commercial, Financial and Agricultural
$
109
$
126
$
-
$
235
$
247,086
$
41
$
247,362
Real Estate – Construction
 
359
-
-
359
234,143
17
234,519
Real Estate – Commercial Mortgage
 
158
149
-
307
781,605
645
782,557
Real Estate – Residential
 
845
530
-
1,375
747,899
239
749,513
Real Estate – Home Equity
 
-
35
-
35
207,411
771
208,217
Consumer
 
3,666
1,852
-
5,518
319,415
584
325,517
Total
 
$
5,137
$
2,692
$
-
$
7,829
$
2,537,559
$
2,297
$
2,547,685
Nonaccrual Loans
.
 
Loans are generally placed on nonaccrual status if principal or interest payments
 
become 90 days past due and/or
management deems the collectability of the principal and/or interest to
 
be doubtful.
 
Loans are returned to accrual status when the
principal and interest amounts contractually due are brought current
 
or when future payments are reasonably assured.
 
The following table presents the amortized cost basis of loans in nonaccrual
 
status and loans past due over 90 days and still on accrual
by class of loans.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2023
December 31, 2022
Nonaccrual
Nonaccrual
Nonaccrual
Nonaccrual
With No
With
90 + Days
With No
With
90 + Days
(Dollars in Thousands)
ACL
 
ACL
 
Still Accruing
 
ACL
 
ACL
Still Accruing
Commercial, Financial and Agricultural
$
-
$
9
$
-
$
-
$
41
$
-
Real Estate – Construction
 
415
-
-
-
17
-
Real Estate – Commercial Mortgage
 
2,212
209
-
389
256
-
Real Estate – Residential
 
1,172
529
-
-
239
-
Real Estate – Home Equity
 
227
529
-
-
771
-
Consumer
 
-
1,321
-
-
584
-
Total Nonaccrual
 
Loans
$
4,026
$
2,597
$
-
$
389
$
1,908
$
-
Collateral Dependent Loans.
The following table presents the amortized cost basis of collateral-dependent
 
loans.
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
June 30, 2023
December 31, 2022
Real Estate
Non Real Estate
Real Estate
Non Real Estate
(Dollars in Thousands)
Secured
Secured
Secured
Secured
Commercial, Financial and Agricultural
$
-
$
-
$
-
$
-
Real Estate – Construction
415
-
-
-
Real Estate – Commercial Mortgage
2,212
-
389
-
Real Estate – Residential
1,098
-
160
-
Real Estate – Home Equity
 
227
 
-
 
130
 
-
Consumer
 
-
 
-
 
21
 
-
Total Collateral Dependent
 
Loans
$
3,952
$
-
$
700
$
-
A loan is collateral dependent when the borrower is experiencing financial
 
difficulty and repayment of the loan is dependent on
 
the
sale or operation of the underlying collateral.
 
The Bank’s collateral dependent
 
loan portfolio is comprised primarily of real estate secured loans, collateralized
 
by either residential
or commercial collateral types.
 
The loans are carried at fair value based on current values determined by
 
either independent appraisals
or internal evaluations, adjusted for selling costs or other amounts to be deducted
 
when estimating expected net sales proceeds.
Residential Real Estate Loans In Process of Foreclosure
.
 
At June 30, 2023 and December 31, 2022, the Company had $
0.7
 
million
and $
0.6
 
million, respectively, in 1-4 family
 
residential real estate loans for which formal foreclosure proceedings were in process.
For the six-month period ended June 30, 2023, the Company did
no
t modify any loans made to borrowers experiencing financial
difficulty.
Credit Risk Management
.
 
The Company has adopted comprehensive lending policies, underwriting standards and
 
loan review
procedures designed to maximize loan income within an acceptable level
 
of risk.
 
Management and the Board of Directors review and
approve these policies and procedures on a regular basis (at least annually).
 
Reporting systems are used to monitor loan originations, loan quality,
 
concentrations of credit, loan delinquencies and nonperforming
loans and potential problem loans.
 
Management and the Credit Risk Oversight Committee periodically review
 
our lines of business to
monitor asset quality trends and the appropriateness of credit policies.
 
In addition, total borrower exposure limits are established and
concentration risk is monitored.
 
As part of this process, the overall composition of the portfolio is reviewed to gauge diversification
of risk, client concentrations, industry group, loan type, geographic area, or other
 
relevant classifications of loans.
 
Specific segments
of the loan portfolio are monitored and reported to the Board on a quarterly basis and
 
have strategic plans in place to supplement
Board approved credit policies governing exposure limits and underwriting
 
standards.
 
Detailed below are the types of loans within
the Company’s loan portfolio
 
and risk characteristics unique to each.
 
Commercial, Financial, and Agricultural – Loans in this category
 
are primarily made based on identified cash flows of the borrower
with consideration given to underlying collateral and personal or
 
other guarantees.
 
Lending policy establishes debt service coverage
ratio limits that require a borrower’s cash flow to be sufficient
 
to cover principal and interest payments on all new and existing debt.
 
The majority of these loans are secured by the assets being financed or other business assets such
 
as accounts receivable, inventory,
 
or
equipment.
 
Collateral values are determined based upon third party appraisals and evaluations.
 
Loan to value ratios at origination are
governed by established policy guidelines.
 
Real Estate Construction – Loans in this category consist of short-term
 
construction loans, revolving and non-revolving credit lines
and construction/permanent loans made to individuals and investors to finance
 
the acquisition, development, construction or
rehabilitation of real property.
 
These loans are primarily made based on identified cash flows of the borrower
 
or project and generally
secured by the property being financed, including 1-4 family residential properties
 
and commercial properties that are either owner-
occupied or investment in nature.
 
These properties may include either vacant or improved property.
 
Construction loans are generally
based upon estimates of costs and value associated with the completed project.
 
Collateral values are determined based upon third
party appraisals and evaluations.
 
Loan to value ratios at origination are governed by established policy guidelines.
 
The disbursement
of funds for construction loans is made in relation to the progress of the project and
 
as such these loans are closely monitored by on-
site inspections.
 
Real Estate Commercial Mortgage – Loans in this category consists of commercial
 
mortgage loans secured by property that is either
owner-occupied or investment in nature.
 
These loans are primarily made based on identified cash flows of the borrower or
 
project
with consideration given to underlying real estate collateral and
 
personal guarantees.
 
Lending policy establishes debt service
coverage ratios and loan to value ratios specific to the property type.
 
Collateral values are determined based upon third party
appraisals and evaluations.
 
Real Estate Residential – Residential mortgage loans held in the Company’s
 
loan portfolio are made to borrowers that demonstrate the
ability to make scheduled payments with full consideration to underwriting
 
factors such as current income, employment status, current
assets, and other financial resources, credit history,
 
and the value of the collateral.
 
Collateral consists of mortgage liens on 1-4 family
residential properties.
 
Collateral values are determined based upon third party appraisals and evaluations.
 
The Company does not
originate sub-prime loans.
 
Real Estate Home Equity – Home equity loans and lines are made to qualified individuals
 
for legitimate purposes generally secured
by senior or junior mortgage liens on owner-occupied
 
1-4 family homes or vacation homes.
 
Borrower qualifications include
favorable credit history combined with supportive income and debt ratio
 
requirements and combined loan to value ratios within
established policy guidelines.
 
Collateral values are determined based upon third party appraisals and evaluations.
 
Consumer Loans – This loan portfolio includes personal installment loans, direct
 
and indirect automobile financing, and overdraft
lines of credit.
 
The majority of the consumer loan category consists of direct and indirect automobile
 
loans.
 
Lending policy
establishes maximum debt to income ratios, minimum credit scores, and includes
 
guidelines for verification of applicants’ income and
receipt of credit reports.
 
 
 
 
Credit Quality Indicators
.
 
As part of the ongoing monitoring of the Company’s
 
loan portfolio quality, management
 
categorizes loans
into risk categories based on relevant information about the ability of borrowers to
 
service their debt such as: current financial
information, historical payment performance, credit documentation,
 
and current economic and market trends, among other
factors.
 
Risk ratings are assigned to each loan and revised as needed through established monitoring
 
procedures for individual loan
relationships over a predetermined amount and review of smaller balance homogenous
 
loan pools.
 
The Company uses the definitions
noted below for categorizing and managing its criticized loans.
 
Loans categorized as “Pass” do not meet the criteria set forth below
and are not considered criticized.
Special Mention – Loans in this category are presently protected from loss, but
 
weaknesses are apparent which, if not corrected, could
cause future problems.
 
Loans in this category may not meet required underwriting criteria and
 
have no mitigating factors.
 
More than
the ordinary amount of attention is warranted for these loans.
Substandard – Loans in this category exhibit well-defined weaknesses that would
 
typically bring normal repayment into jeopardy.
These loans are no longer adequately protected due to well-defined
 
weaknesses that affect the repayment capacity of the
borrower.
 
The possibility of loss is much more evident and above average supervision is required for
 
these loans.
Doubtful – Loans in this category have all the weaknesses inherent in a loan categorized
 
as Substandard, with the characteristic that
the weaknesses make collection or liquidation in full, on the basis of currently
 
existing facts, conditions, and values, highly
questionable and improbable.
Performing/Nonperforming – Loans within certain homogenous
 
loan pools (home equity and consumer) are not individually reviewed,
but are monitored for credit quality via the aging status of the loan and by payment
 
activity.
 
The performing or nonperforming status
is updated on an on-going basis dependent upon improvement and
 
deterioration in credit quality.
The following table summarizes gross loans held for investment at June
 
30, 2023 and current period gross write-offs for the six
months ended June 30, 2023 by years of origination and internally assigned
 
credit risk ratings (refer to Credit Risk Management
section for detail on risk rating system).
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Term
 
Loans by Origination Year
(As Restated)
Revolving
(As Restated)
(Dollars in Thousands)
2023
2022
2021
2020
2019
Prior
Loans
Total
Commercial, Financial,
Agriculture:
Pass
$
25,879
$
77,944
$
36,236
$
14,631
$
10,016
$
10,518
$
46,644
$
221,868
Special Mention
1,490
516
986
126
69
149
1,909
5,245
Substandard
 
6
 
46
 
21
 
17
 
-
 
16
 
-
 
106
Total
$
27,375
$
78,506
$
37,243
$
14,774
$
10,085
$
10,683
$
48,553
$
227,219
Current-Period Gross
Writeoffs
$
-
$
129
$
40
$
14
$
12
$
10
$
13
$
218
Real Estate -
Construction:
Pass
$
59,976
$
121,631
$
32,667
$
1,807
$
189
$
123
$
7,855
$
224,248
Special Mention
478
-
375
-
-
-
-
853
Substandard
 
-
 
-
 
218
 
1,085
 
-
 
-
 
-
 
1,303
Total
$
60,454
$
121,631
$
33,260
$
2,892
$
189
$
123
$
7,855
$
226,404
Real Estate -
Commercial Mortgage:
Pass
$
62,928
$
261,333
$
165,145
$
128,342
$
47,330
$
130,477
$
19,554
$
815,109
Special Mention
4,343
793
948
239
1,483
2,461
439
10,706
Substandard
 
-
 
806
 
831
 
1,920
 
628
 
632
 
653
 
5,470
Total
$
67,271
$
262,932
$
166,924
$
130,501
$
49,441
$
133,570
$
20,646
$
831,285
Current-Period Gross
Writeoffs
$
-
$
-
$
-
$
-
$
-
$
120
$
-
$
120
Real Estate - Residential:
Pass
$
173,708
$
473,235
$
89,049
$
41,916
$
26,818
$
75,872
$
8,323
$
888,921
Special Mention
269
92
228
517
-
560
-
1,666
Substandard
 
70
 
1,320
 
1,253
 
1,571
 
935
 
3,073
 
-
 
8,222
Total
 
$
174,047
$
474,647
$
90,530
$
44,004
$
27,753
$
79,505
$
8,323
$
898,809
Real Estate - Home
Equity:
Performing
$
-
$
149
$
129
$
11
$
392
$
1,122
$
200,582
$
202,385
Nonperforming
 
-
 
-
 
-
 
-
 
-
 
-
 
757
 
757
Total
 
$
-
$
149
$
129
$
11
$
392
$
1,122
$
201,339
$
203,142
Current-Period Gross
Writeoffs
$
-
$
-
$
-
$
-
$
-
$
-
$
39
$
39
Consumer:
Performing
$
39,592
$
109,461
$
88,648
$
28,133
$
14,878
$
8,976
$
5,645
$
295,333
Nonperforming
-
633
418
179
81
7
2
1,320
Total
$
39,592
$
110,094
$
89,066
$
28,312
$
14,959
$
8,983
$
5,647
$
296,653
Current-Period Gross
Writeoffs
$
1,571
$
1,486
$
763
$
138
$
143
$
63
$
89
$
4,253