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Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2022
Receivables [Abstract] |
Schedule of Loans Outstanding by Class of Financing Receivable | Loans outstanding as of March 31, 2022 and December 31, 2021, by class of financing receivable are as follows:
|  | March 31, |  | December 31,
|  | 2022 |  |  | 2021 |
Commercial and industrial (1) |  | $ | 1,380,600 |  |  | $ | 1,290,565 |
Construction |  | 1,468,811 |  |  | 1,327,659 |
Residential real estate: |  |  |  |
1-to-4 family mortgage |  | 1,346,349 |  |  | 1,270,467 |
Residential line of credit |  | 392,740 |  |  | 383,039 |
Multi-family mortgage |  | 400,501 |  |  | 326,551 |
Commercial real estate: |  |  |  |
Owner occupied |  | 978,436 |  |  | 951,582 |
Non-owner occupied |  | 1,706,546 |  |  | 1,730,165 |
Consumer and other |  | 330,993 |  |  | 324,634 |
Gross loans |  | 8,004,976 |  |  | 7,604,662 |
Less: Allowance for credit losses |  | (120,049) |  |  | (125,559) |
Net loans |  | $ | 7,884,927 |  |  | $ | 7,479,103 |
(1)Includes $2,062 and $3,990 of loans originated as part of the Paycheck Protection Program as of March 31, 2022 and December 31, 2021, respectively. PPP loans are federally guaranteed as part of the CARES Act, provided PPP loan recipients receive loan forgiveness under the SBA regulations. As such, there is minimal credit risk associated with these loans.
Schedule of Changes in Allowance for Credit Losses by Class of Financing Receivable | The following tables provide the changes in the allowance for credit losses by class of financing receivable for the three months ended March 31, 2022 and 2021:
|  | Commercial and industrial |  | Construction |  | 1-to-4 family residential mortgage |  | Residential line of credit |  | Multi-family residential mortgage |  | Commercial real estate owner occupied |  | Commercial real estate non-owner occupied |  | Consumer and other |  | Total
Three Months Ended March 31, 2022
Beginning balance - December 31, 2021 |  | $ | 15,751 |  |  | $ | 28,576 |  |  | $ | 19,104 |  |  | $ | 5,903 |  |  | $ | 6,976 |  |  | $ | 12,593 |  |  | $ | 25,768 |  |  | $ | 10,888 |  |  | $ | 125,559 |
Provision for credit losses |  | (4,006) |  |  | 3,206 |  |  | 1,908 |  |  | 641 |  |  | (578) |  |  | (4,187) |  |  | (4,478) |  |  | 1,365 |  |  | (6,129) |
Recoveries of loans previously charged-off |  | 958 |  |  | — |  |  | 12 |  |  | 1 |  |  | — |  |  | 10 |  |  | — |  |  | 217 |  |  | 1,198 |
Loans charged off |  | (4) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (575) |  |  | (579) |
Ending balance - March 31, 2022 |  | $ | 12,699 |  |  | $ | 31,782 |  |  | $ | 21,024 |  |  | $ | 6,545 |  |  | $ | 6,398 |  |  | $ | 8,416 |  |  | $ | 21,290 |  |  | $ | 11,895 |  |  | $ | 120,049 |
|  | Commercial and industrial |  | Construction |  | 1-to-4 family residential mortgage |  | Residential line of credit |  | Multi-family residential mortgage |  | Commercial real estate owner occupied |  | Commercial real estate non-owner occupied |  | Consumer and other |  | Total
Three Months Ended March 31, 2021 |
Beginning balance - December 31, 2020 |  | $ | 14,748 |  |  | $ | 58,477 |  |  | $ | 19,220 |  |  | $ | 10,534 |  |  | $ | 7,174 |  |  | $ | 4,849 |  |  | $ | 44,147 |  |  | $ | 11,240 |  |  | $ | 170,389 |
Provision for credit losses |  | 43 |  |  | (19,826) |  |  | 461 |  |  | (1,257) |  |  | 4,483 |  |  | (1,253) |  |  | 6,032 |  |  | (315) |  |  | (11,632) |
Recoveries of loans previously charged-off |  | 129 |  |  | — |  |  | 24 |  |  | 6 |  |  | — |  |  | 13 |  |  | — |  |  | 195 |  |  | 367 |
Loans charged off |  | (277) |  |  | (29) |  |  | (133) |  |  | (15) |  |  | — |  |  | — |  |  | — |  |  | (716) |  |  | (1,170) |
Ending balance - March 31, 2021 |  | $ | 14,643 |  |  | $ | 38,622 |  |  | $ | 19,572 |  |  | $ | 9,268 |  |  | $ | 11,657 |  |  | $ | 3,609 |  |  | $ | 50,179 |  |  | $ | 10,404 |  |  | $ | 157,954 |
Schedule of Credit Quality of Loan Portfolio by Year of Origination | The following tables present the credit quality of our commercial loan portfolio by year of origination as of March 31, 2022 and December 31, 2021. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for the purposes of the tables below.
As of March 31, 2022 |  |
|  | Commercial Term Loans |  |  |  |  |  |
|  | Amortized Cost Basis by Origination Year |  |  |  |  |  |
|  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 86,753 |  |  | $ | 262,073 |  |  | $ | 84,369 |  |  | $ | 123,038 |  |  | $ | 46,230 |  |  | $ | 80,906 |  |  | $ | 656,672 |  |  | $ | 1,340,041 |  |  |
Special Mention |  | 27 |  |  | 50 |  |  | — |  |  | 941 |  |  | 616 |  |  | 1,494 |  |  | 12,570 |  |  | 15,698 |  |  |
Classified |  | — |  |  | 900 |  |  | 2,285 |  |  | 2,269 |  |  | 2,933 |  |  | 9,576 |  |  | 6,898 |  |  | 24,861 |  |  |
Total |  | 86,780 |  |  | 263,023 |  |  | 86,654 |  |  | 126,248 |  |  | 49,779 |  |  | 91,976 |  |  | 676,140 |  |  | 1,380,600 |  |  |
Construction - Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 103,294 |  |  | 322,557 |  |  | 179,337 |  |  | 111,794 |  |  | 17,366 |  |  | 63,846 |  |  | 47,864 |  |  | 846,058 |  |  |
Special Mention |  | — |  |  | — |  |  | 10 |  |  | — |  |  | — |  |  | 2,579 |  |  | — |  |  | 2,589 |  |  |
Classified |  | — |  |  | — |  |  | — |  |  | 3,078 |  |  | — |  |  | 679 |  |  | 201 |  |  | 3,958 |  |  |
Total |  | 103,294 |  |  | 322,557 |  |  | 179,347 |  |  | 114,872 |  |  | 17,366 |  |  | 67,104 |  |  | 48,065 |  |  | 852,605 |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 53,167 |  |  | 190,584 |  |  | 32,964 |  |  | 64,201 |  |  | 5,124 |  |  | 42,130 |  |  | 11,104 |  |  | 399,274 |  |  |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |
Classified |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,227 |  |  | — |  |  | 1,227 |  |  |
Total |  | 53,167 |  |  | 190,584 |  |  | 32,964 |  |  | 64,201 |  |  | 5,124 |  |  | 43,357 |  |  | 11,104 |  |  | 400,501 |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 53,495 |  |  | 178,092 |  |  | 127,649 |  |  | 164,620 |  |  | 78,970 |  |  | 293,791 |  |  | 56,543 |  |  | 953,160 |  |  |
Special Mention |  | — |  |  | — |  |  | 30 |  |  | 1,492 |  |  | 3,200 |  |  | 2,325 |  |  | 210 |  |  | 7,257 |  |  |
Classified |  | — |  |  | — |  |  | — |  |  | 3,089 |  |  | 1,667 |  |  | 12,285 |  |  | 978 |  |  | 18,019 |  |  |
Total |  | 53,495 |  |  | 178,092 |  |  | 127,679 |  |  | 169,201 |  |  | 83,837 |  |  | 308,401 |  |  | 57,731 |  |  | 978,436 |  |  |
Non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 80,277 |  |  | 439,956 |  |  | 126,299 |  |  | 157,806 |  |  | 257,327 |  |  | 568,790 |  |  | 55,375 |  |  | 1,685,830 |  |  |
Special Mention |  | — |  |  | — |  |  | — |  |  | 3,687 |  |  | 249 |  |  | 985 |  |  | — |  |  | 4,921 |  |  |
Classified |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,460 |  |  | 12,335 |  |  | — |  |  | 15,795 |  |  |
Total |  | 80,277 |  |  | 439,956 |  |  | 126,299 |  |  | 161,493 |  |  | 261,036 |  |  | 582,110 |  |  | 55,375 |  |  | 1,706,546 |  |  |
Total commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 376,986 |  |  | 1,393,262 |  |  | 550,618 |  |  | 621,459 |  |  | 405,017 |  |  | 1,049,463 |  |  | 827,558 |  |  | 5,224,363 |  |  |
Special Mention |  | 27 |  |  | 50 |  |  | 40 |  |  | 6,120 |  |  | 4,065 |  |  | 7,383 |  |  | 12,780 |  |  | 30,465 |  |  |
Classified |  | — |  |  | 900 |  |  | 2,285 |  |  | 8,436 |  |  | 8,060 |  |  | 36,102 |  |  | 8,077 |  |  | 63,860 |  |  |
Total commercial loans |  | $ | 377,013 |  |  | $ | 1,394,212 |  |  | $ | 552,943 |  |  | $ | 636,015 |  |  | $ | 417,142 |  |  | $ | 1,092,948 |  |  | $ | 848,415 |  |  | $ | 5,318,688 |  |  |
As of December 31, 2021 |  |
|  | Commercial Term Loans |  |  |  |  |  |
|  | Amortized Cost Basis by Origination Year |  |  |  |  |  |
|  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total |  |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 273,232 |  |  | $ | 95,279 |  |  | $ | 140,938 |  |  | $ | 52,162 |  |  | $ | 33,997 |  |  | $ | 57,020 |  |  | $ | 596,667 |  |  | $ | 1,249,295 |  |  |
Special Mention |  | 79 |  |  | 9 |  |  | 949 |  |  | 632 |  |  | 3 |  |  | 1,519 |  |  | 12,367 |  |  | 15,558 |  |  |
Classified |  | 918 |  |  | 2,391 |  |  | 2,376 |  |  | 3,089 |  |  | 3,370 |  |  | 6,425 |  |  | 7,143 |  |  | 25,712 |  |  |
Total |  | 274,229 |  |  | 97,679 |  |  | 144,263 |  |  | 55,883 |  |  | 37,370 |  |  | 64,964 |  |  | 616,177 |  |  | 1,290,565 |  |  |
Construction - Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 335,758 |  |  | 164,428 |  |  | 112,985 |  |  | 18,374 |  |  | 14,965 |  |  | 64,516 |  |  | 43,748 |  |  | 754,774 |  |  |
Special Mention |  | — |  |  | 11 |  |  | — |  |  | — |  |  | 1,208 |  |  | 1,384 |  |  | — |  |  | 2,603 |  |  |
Classified |  | — |  |  | — |  |  | 2,922 |  |  | 2,882 |  |  | 3 |  |  | 737 |  |  | 200 |  |  | 6,744 |  |  |
Total |  | 335,758 |  |  | 164,439 |  |  | 115,907 |  |  | 21,256 |  |  | 16,176 |  |  | 66,637 |  |  | 43,948 |  |  | 764,121 |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Multi-family mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 166,576 |  |  | 32,242 |  |  | 64,345 |  |  | 7,124 |  |  | 5,602 |  |  | 38,526 |  |  | 10,891 |  |  | 325,306 |  |  |
Special Mention |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  |
Classified |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,245 |  |  | — |  |  | 1,245 |  |  |
Total |  | 166,576 |  |  | 32,242 |  |  | 64,345 |  |  | 7,124 |  |  | 5,602 |  |  | 39,771 |  |  | 10,891 |  |  | 326,551 |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 170,773 |  |  | 131,471 |  |  | 174,257 |  |  | 83,698 |  |  | 69,939 |  |  | 236,998 |  |  | 57,123 |  |  | 924,259 |  |  |
Special Mention |  | — |  |  | — |  |  | 1,502 |  |  | 3,541 |  |  | 885 |  |  | 2,555 |  |  | 213 |  |  | 8,696 |  |  |
Classified |  | — |  |  | — |  |  | 3,102 |  |  | 768 |  |  | 3,295 |  |  | 9,616 |  |  | 1,846 |  |  | 18,627 |  |  |
Total |  | 170,773 |  |  | 131,471 |  |  | 178,861 |  |  | 88,007 |  |  | 74,119 |  |  | 249,169 |  |  | 59,182 |  |  | 951,582 |  |  |
Non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 462,478 |  |  | 154,048 |  |  | 165,917 |  |  | 264,855 |  |  | 170,602 |  |  | 414,859 |  | 46,541 |  |  | 1,679,300 |  |  |
Special Mention |  | — |  |  | — |  |  | 3,747 |  |  | 3,388 |  |  | — |  |  | 969 |  | — |  |  | 8,104 |  |  |
Classified |  | — |  |  | — |  |  | 1,898 |  |  | 23,849 |  |  | 1,506 |  |  | 15,508 |  | — |  |  | 42,761 |  |  |
Total |  | 462,478 |  |  | 154,048 |  |  | 171,562 |  |  | 292,092 |  |  | 172,108 |  |  | 431,336 |  |  | 46,541 |  |  | 1,730,165 |  |  |
Total commercial loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,408,817 |  |  | 577,468 |  |  | 658,442 |  |  | 426,213 |  |  | 295,105 |  |  | 811,919 |  |  | 754,970 |  |  | 4,932,934 |  |  |
Special Mention |  | 79 |  |  | 20 |  |  | 6,198 |  |  | 7,561 |  |  | 2,096 |  |  | 6,427 |  |  | 12,580 |  |  | 34,961 |  |  |
Classified |  | 918 |  |  | 2,391 |  |  | 10,298 |  |  | 30,588 |  |  | 8,174 |  |  | 33,531 |  |  | 9,189 |  |  | 95,089 |  |  |
Total commercial loans |  | $ | 1,409,814 |  |  | $ | 579,879 |  |  | $ | 674,938 |  |  | $ | 464,362 |  |  | $ | 305,375 |  |  | $ | 851,877 |  |  | $ | 776,739 |  |  | $ | 5,062,984 |  |  |
The following tables present the credit quality by classification (performing or nonperforming) of our consumer loan portfolio by year of origination as of March 31, 2022 and December 31, 2021. Revolving loans are presented separately. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for the purposes of the tables below.
As of March 31, 2022
|  | Consumer Term Loans |  |  |  |
|  | Amortized Cost Basis by Origination Year |  |  |  |
|  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Construction - Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 63,687 |  |  | $ | 345,094 |  |  | $ | 87,761 |  |  | $ | 18,312 |  |  | $ | 5,815 |  |  | $ | 4,328 |  |  | $ | 91,209 |  |  | $ | 616,206 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total |  | 63,687 |  |  | 345,094 |  |  | 87,761 |  |  | 18,312 |  |  | 5,815 |  |  | 4,328 |  |  | 91,209 |  |  | 616,206 |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-to-4 family mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 161,778 |  |  | 500,544 |  |  | 184,028 |  |  | 113,736 |  |  | 89,201 |  |  | 282,039 |  |  | — |  |  | 1,331,326 |
Nonperforming |  | — |  |  | 3,240 |  |  | 2,970 |  |  | 1,144 |  |  | 2,577 |  |  | 5,092 |  |  | — |  |  | 15,023 |
Total |  | 161,778 |  |  | 503,784 |  |  | 186,998 |  |  | 114,880 |  |  | 91,778 |  |  | 287,131 |  |  | — |  |  | 1,346,349 |
Residential line of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 391,163 |  |  | 391,163 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,577 |  |  | 1,577 |
Total |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 392,740 |  |  | 392,740 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 33,831 |  |  | 72,033 |  |  | 51,086 |  |  | 36,589 |  |  | 31,037 |  |  | 92,155 |  |  | 9,004 |  |  | 325,735 |
Nonperforming |  | — |  |  | 330 |  |  | 442 |  |  | 518 |  |  | 1,541 |  |  | 2,427 |  |  | — |  |  | 5,258 |
Total |  | 33,831 |  |  | 72,363 |  |  | 51,528 |  |  | 37,107 |  |  | 32,578 |  |  | 94,582 |  |  | 9,004 |  |  | 330,993 |
Total consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 259,296 |  |  | 917,671 |  |  | 322,875 |  |  | 168,637 |  |  | 126,053 |  |  | 378,522 |  |  | 491,376 |  |  | 2,664,430 |
Nonperforming |  | — |  |  | 3,570 |  |  | 3,412 |  |  | 1,662 |  |  | 4,118 |  |  | 7,519 |  |  | 1,577 |  |  | 21,858 |
Total consumer loans |  | $ | 259,296 |  |  | $ | 921,241 |  |  | $ | 326,287 |  |  | $ | 170,299 |  |  | $ | 130,171 |  |  | $ | 386,041 |  |  | $ | 492,953 |  |  | $ | 2,686,288 |
As of December 31, 2021
|  | Consumer Term Loans |  |  |  |
|  | Amortized Cost Basis by Origination Year |  |  |  |
|  | 2021 |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | Prior |  | Revolving Loans Amortized Cost Basis |  | Total
Construction - Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 341,562 |  |  | $ | 116,352 |  |  | $ | 22,783 |  |  | $ | 5,542 |  |  | $ | 348 |  |  | $ | 3,302 |  |  | $ | 73,428 |  |  | $ | 563,317 |
Nonperforming |  | — |  |  | 221 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 221 |
Total |  | 341,562 |  |  | 116,573 |  |  | 22,783 |  |  | 5,542 |  |  | 348 |  |  | 3,302 |  |  | 73,428 |  |  | 563,538 |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-to-4 family mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 521,533 |  |  | 204,690 |  |  | 121,775 |  |  | 100,164 |  |  | 109,087 |  |  | 199,262 |  |  | — |  |  | 1,256,511 |
Nonperforming |  | 1,232 |  |  | 3,734 |  |  | 977 |  |  | 2,429 |  |  | 1,765 |  |  | 3,819 |  |  | — |  |  | 13,956 |
Total |  | 522,765 |  |  | 208,424 |  |  | 122,752 |  |  | 102,593 |  |  | 110,852 |  |  | 203,081 |  |  | — |  |  | 1,270,467 |
Residential line of credit |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 381,303 |  |  | 381,303 |
Nonperforming |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,736 |  |  | 1,736 |
Total |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 383,039 |  |  | 383,039 |
Consumer and other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 82,910 |  |  | 55,123 |  |  | 38,281 |  |  | 32,893 |  |  | 21,856 |  |  | 74,248 |  |  | 14,478 |  |  | 319,789 |
Nonperforming |  | 199 |  |  | 345 |  |  | 545 |  |  | 1,352 |  |  | 861 |  |  | 1,496 |  |  | 47 |  |  | 4,845 |
Total |  | 83,109 |  |  | 55,468 |  |  | 38,826 |  |  | 34,245 |  |  | 22,717 |  |  | 75,744 |  |  | 14,525 |  |  | 324,634 |
Total consumer loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 946,005 |  |  | 376,165 |  |  | 182,839 |  |  | 138,599 |  |  | 131,291 |  |  | 276,812 |  |  | 469,209 |  |  | 2,520,920 |
Nonperforming |  | 1,431 |  |  | 4,300 |  |  | 1,522 |  |  | 3,781 |  |  | 2,626 |  |  | 5,315 |  |  | 1,783 |  |  | 20,758 |
Total consumer loans |  | $ | 947,436 |  |  | $ | 380,465 |  |  | $ | 184,361 |  |  | $ | 142,380 |  |  | $ | 133,917 |  |  | $ | 282,127 |  |  | $ | 470,992 |  |  | $ | 2,541,678 |
Schedule of Analysis of Aging by Class of Financing Receivable | The following tables represent an analysis of the aging by class of financing receivable as of March 31, 2022 and December 31, 2021:
March 31, 2022 |  | 30-89 days past due |  | 90 days or more and accruing interest |  | Non-accrual loans |  |  |  | Loans current on payments and accruing interest |  | Total
Commercial and industrial |  | $ | 1,543 |  |  | $ | 58 |  |  | $ | 3,882 |  |  |  |  | $ | 1,375,117 |  |  | $ | 1,380,600 |
Construction |  | 2,622 |  |  | — |  |  | 679 |  |  |  |  | 1,465,510 |  |  | 1,468,811 |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |
1-to-4 family mortgage |  | 13,508 |  |  | 11,724 |  |  | 3,299 |  |  |  |  | 1,317,818 |  |  | 1,346,349 |
Residential line of credit |  | 536 |  |  | — |  |  | 1,577 |  |  |  |  | 390,627 |  |  | 392,740 |
Multi-family mortgage |  | — |  |  | — |  |  | 48 |  |  |  |  | 400,453 |  |  | 400,501 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | 415 |  |  | — |  |  | 6,989 |  |  |  |  | 971,032 |  |  | 978,436 |
Non-owner occupied |  | 986 |  |  | — |  |  | 7,185 |  |  |  |  | 1,698,375 |  |  | 1,706,546 |
Consumer and other |  | 4,305 |  |  | 1,091 |  |  | 4,167 |  |  |  |  | 321,430 |  |  | 330,993 |
Total |  | $ | 23,915 |  |  | $ | 12,873 |  |  | $ | 27,826 |  |  |  |  | $ | 7,940,362 |  |  | $ | 8,004,976 |
December 31, 2021 |  | 30-89 days past due |  | 90 days or more and accruing interest |  | Non-accrual loans |  |  |  | Loans current on payments and accruing interest |  | Total
Commercial and industrial |  | $ | 1,030 |  |  | $ | 63 |  |  | $ | 1,520 |  |  |  |  | $ | 1,287,952 |  |  | $ | 1,290,565 |
Construction |  | 4,852 |  |  | 718 |  |  | 3,622 |  |  |  |  | 1,318,467 |  |  | 1,327,659 |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |
1-to-4 family mortgage |  | 11,007 |  |  | 9,363 |  |  | 4,593 |  |  |  |  | 1,245,504 |  |  | 1,270,467 |
Residential line of credit |  | 319 |  |  | — |  |  | 1,736 |  |  |  |  | 380,984 |  |  | 383,039 |
Multi-family mortgage |  | — |  |  | — |  |  | 49 |  |  |  |  | 326,502 |  |  | 326,551 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | 1,417 |  |  | — |  |  | 6,710 |  |  |  |  | 943,455 |  |  | 951,582 |
Non-owner occupied |  | 427 |  |  | — |  |  | 14,084 |  |  |  |  | 1,715,654 |  |  | 1,730,165 |
Consumer and other |  | 7,398 |  |  | 1,591 |  |  | 3,254 |  |  |  |  | 312,391 |  |  | 324,634 |
Total |  | $ | 26,450 |  |  | $ | 11,735 |  |  | $ | 35,568 |  |  |  |  | $ | 7,530,909 |  |  | $ | 7,604,662 |
Schedule of Amortized Cost, Related Allowance and Interest Income of Non-accrual Loans | The following tables provide the amortized cost basis of loans on non-accrual status, as well as any related allowance as of March 31, 2022 and December 31, 2021 by class of financing receivable.
March 31, 2022 |  |  |  | Non-accrual with no related allowance |  | Non-accrual with related allowance |  | Related allowance |  |  |  |  |  |  |
Commercial and industrial |  |  |  | $ | 1,420 |  |  | $ | 2,462 |  |  | $ | 1,781 |  |  |  |  |  |  |  |
Construction |  |  |  | — |  |  | 679 |  |  | 85 |  |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-to-4 family mortgage |  |  |  | 130 |  |  | 3,169 |  |  | 49 |  |  |  |  |  |  |  |
Residential line of credit |  |  |  | 1,051 |  |  | 526 |  |  | 7 |  |  |  |  |  |  |  |
Multi-family mortgage |  |  |  | — |  |  | 48 |  |  | 2 |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  | 4,346 |  |  | 2,643 |  |  | 84 |  |  |  |  |  |  |  |
Non-owner occupied |  |  |  | 7,006 |  |  | 179 |  |  | 22 |  |  |  |  |  |  |  |
Consumer and other |  |  |  | — |  |  | 4,167 |  |  | 211 |  |  |  |  |  |  |  |
Total |  |  |  | $ | 13,953 |  |  | $ | 13,873 |  |  | $ | 2,241 |  |  |  |  |  |  |  |
December 31, 2021 |  |  |  |  |  | Non-accrual with no related allowance |  | Non-accrual with related allowance |  | Related allowance |  |  |  |  |  |
Commercial and industrial |  |  |  |  |  | $ | 1,085 |  |  | $ | 435 |  |  | $ | 6 |  |  |  |  |  |  |
Construction |  |  |  |  |  | 2,882 |  |  | 740 |  |  | 99 |  |  |  |  |  |  |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-to-4 family mortgage |  |  |  |  |  | 378 |  |  | 4,215 |  |  | 60 |  |  |  |  |  |  |
Residential line of credit |  |  |  |  |  | 797 |  |  | 939 |  |  | 11 |  |  |  |  |  |  |
Multi-family mortgage |  |  |  |  |  | — |  |  | 49 |  |  | 2 |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  | 5,346 |  |  | 1,364 |  |  | 206 |  |  |  |  |  |  |
Non-owner occupied |  |  |  |  |  | 13,898 |  |  | 186 |  |  | 7 |  |  |  |  |  |  |
Consumer and other |  |  |  |  |  | — |  |  | 3,254 |  |  | 164 |  |  |  |  |  |  |
Total |  |  |  |  |  | $ | 24,386 |  |  | $ | 11,182 |  |  | $ | 555 |  |  |  |  |  |  |
The following presents interest income recognized on nonaccrual loans for the three months ended March 31, 2022 and 2021:
|  |  | Three Months Ended March 31,
|  |  | 2022 |  | 2021
Commercial and industrial |  |  | $ | 54 |  |  | $ | 114 |
Construction |  |  | 19 |  |  | 14 |
Residential real estate: |  |  |  |  |
1-to-4 family mortgage |  |  | 52 |  |  | 18 |
Residential line of credit |  |  | 40 |  |  | 18 |
Multi-family mortgage |  |  | — |  |  | 1 |
Commercial real estate: |  |  |  |  |
Owner occupied |  |  | 25 |  |  | 131 |
Non-owner occupied |  |  | 70 |  |  | 89 |
Consumer and other |  |  | 15 |  |  | — |
Total |  |  | $ | 275 |  |  | $ | 385 |
Schedule of Financial Effect of TDRs | The following tables present the financial effect of TDRs recorded during the periods indicated:
Three Months Ended March 31, 2022 |  | Number of loans |  | Pre-modification outstanding recorded investment |  | Post-modification outstanding recorded investment |  | Charge offs and specific reserves
Residential real estate: |  |  |  |  |  |  |  |
1-to-4 family mortgage |  | 1 |  |  | $ | 80 |  |  | $ | 80 |  |  | $ | — |
Consumer and other |  | 1 |  |  | 22 |  |  | 22 |  |  | — |
Total |  | 2 |  |  | $ | 102 |  |  | $ | 102 |  |  | $ | — |
Three Months Ended March 31, 2021 |  | Number of loans |  | Pre-modification outstanding recorded investment |  | Post-modification outstanding recorded investment |  | Charge offs and specific reserves
Commercial and industrial |  | 1 |  |  | $ | 107 |  |  | $ | 107 |  |  | $ | — |
Commercial real estate: |  |  |  |  |  |  |  |
Non-owner occupied |  | 1 |  | 11,997 |  |  | 11,997 |  |  | — |
Total |  | 2 |  | $ | 12,104 |  |  | $ | 12,104 |  |  | $ | — |
Schedule of Individually Assessed Allowance for Credit Losses for Collateral Dependent Loans | For loans for which the repayment (based on the Company's assessment) is expected to be provided substantially through the operation or sale of collateral and the borrower is experiencing financial difficulty, the following tables present the loans and the corresponding individually assessed allowance for credit losses by class of financing receivable. Significant changes in individually assessed reserves are due to changes in the valuation of the underlying collateral in addition to changes in accrual and past due status.
|  | March 31, 2022
|  | Type of Collateral |  |
|  | Real Estate |  |  |  |  |  | Financial Assets and Equipment |  | Total |  |  |  | Individually assessed allowance for credit loss
Commercial and industrial |  | $ | 689 |  |  |  |  |  |  | $ | 3,324 |  |  | $ | 4,013 |  |  |  |  | $ | 1,776 |
Construction |  | 685 |  |  |  |  |  |  | — |  |  | 685 |  |  |  |  | 84 |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-to-4 family mortgage |  | 344 |  |  |  |  |  |  | — |  |  | 344 |  |  |  |  | — |
Residential line of credit |  | 1,367 |  |  |  |  |  |  | — |  |  | 1,367 |  |  |  |  | 5 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | 8,470 |  |  |  |  |  |  | — |  |  | 8,470 |  |  |  |  | 80 |
Non-owner occupied |  | 7,006 |  |  |  |  |  |  | — |  |  | 7,006 |  |  |  |  | — |
Consumer and other |  | 25 |  |  |  |  |  |  | — |  |  | 25 |  |  |  |  | 1 |
Total |  | $ | 18,586 |  |  |  |  |  |  | $ | 3,324 |  |  | $ | 21,910 |  |  |  |  | $ | 1,946 |
|  | December 31, 2021
|  | Type of Collateral |  |
|  | Real Estate |  |  |  |  |  | Financial Assets and Equipment |  | Total |  |  |  | Individually assessed allowance for credit loss
Commercial and industrial |  | $ | 799 |  |  |  |  |  |  | $ | 1,090 |  |  | $ | 1,889 |  |  |  |  | $ | — |
Construction |  | 3,580 |  |  |  |  |  |  | — |  |  | 3,580 |  |  |  |  | 92 |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-to-4 family mortgage |  | 338 |  |  |  |  |  |  | — |  |  | 338 |  |  |  |  | — |
Residential line of credit |  | 1,400 |  |  |  |  |  |  | — |  |  | 1,400 |  |  |  |  | 10 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | 8,117 |  |  |  |  |  |  | 71 |  |  | 8,188 |  |  |  |  | 200 |
Non-owner occupied |  | 13,899 |  |  |  |  |  |  | — |  |  | 13,899 |  |  |  |  | — |
Consumer and other |  | 25 |  |  |  |  |  |  | — |  |  | 25 |  |  |  |  | 1 |
Total |  | $ | 28,158 |  |  |  |  |  |  | $ | 1,161 |  |  | $ | 29,319 |  |  |  |  | $ | 303 |

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