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Allowance for Credit Losses (Tables)

9 Months Ended

Sep. 30, 2022

Allowance For Loan And Lease Losses [Abstract]

Summary of Activity in Allowance for Loan Losses, and Ending Balance of Loans, Net of Unearned Fees for Periods Indicated

For the periods indicated, the following tables summarize the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the balance sheet within other liabilities:

			Allowance for credit losses – Three months ended September 30, 2022
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	28,081											$	—					$	1					$	1,162					$	29,244
CRE owner occupied			12,620												—						1						904						13,525
Multifamily			11,795												—						—						954						12,749
Farmland			2,954												—						—						168						3,122
Total commercial real estate loans			55,450												—						2						3,188						58,640
Consumer:
SFR 1-4 1st DT liens			10,311												—						38						322						10,671
SFR HELOCs and junior liens			11,591												—						98						(306)						11,383
Other			2,029												(185)						53						(19)						1,878
Total consumer loans			23,931												(185)						189						(3)						23,932
Commercial and industrial			9,979												(82)						119						384						10,400
Construction			7,522												—						—						(1,390)						6,132
Agriculture production			1,046												—						1						1,321						2,368
Leases			16												—						—						—						16
Allowance for credit losses on loans			$	97,944											$	(267)					$	311					$	3,500					$	101,488
Reserve for unfunded commitments			4,075												—						—						295						4,370
Total			$	102,019											$	(267)					$	311					$	3,795					$	105,858

			Allowance for credit losses – Nine months ended September 30, 2022
(in thousands)			Beginning Balance						ACL on PCD Loans						Charge-offs						Recoveries						Provision (benefit)						Ending  Balance
Commercial real estate:
CRE non-owner occupied			$	25,739					$	746					$	—					$	1					$	2,758					$	29,244
CRE owner occupied			10,691						63						—						2						2,769						13,525
Multifamily			12,395						—						—						—						354						12,749
Farmland			2,315						764						(294)						—						337						3,122
Total commercial real estate loans			51,140						1,573						(294)						3						6,218						58,640
Consumer:
SFR 1-4 1st DT liens			10,723						144						—						79						(275)						10,671
SFR HELOCs and junior liens			10,510						—						—						426						447						11,383
Other			2,241						—						(470)						200						(93)						1,878
Total consumer loans			23,474						144						(470)						705						79						23,932
Commercial and industrial			3,862						81						(647)						1,130						5,974						10,400
Construction			5,667						201						—						—						264						6,132
Agriculture production			1,215						38						—						3						1,112						2,368
Leases			18						—						—						—						(2)						16
Allowance for credit losses on loans			$	85,376					$	2,037					$	(1,411)					$	1,841					$	13,645					$	101,488
Reserve for unfunded commitments			3,790						—						—						—						580						4,370
Total			$	89,166					$	2,037					$	(1,411)					$	1,841					$	14,225					$	105,858

For the periods indicated, the following tables summarize the activity in the allowance for credit losses on loans which is recorded as a contra asset, and the reserve for unfunded commitments which is recorded on the balance sheet within other liabilities:

			Allowance for credit losses – Year ended December 31, 2021
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision (benefit)						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	29,380											$	—					$	12					$	(3,653)					$	25,739
CRE owner occupied			10,861												(18)						794						(946)						10,691
Multifamily			11,472												—						—						923						12,395
Farmland			1,980												(126)						—						461						2,315
Total commercial real estate loans			53,693												(144)						806						(3,215)						51,140
Consumer:
SFR 1-4 1st DT liens			10,117												(145)						13						738						10,723
SFR HELOCs and junior liens			11,771												(29)						1,127						(2,359)						10,510
Other			3,260												(577)						361						(803)						2,241
Total consumer loans			25,148												(751)						1,501						(2,424)						23,474
Commercial and industrial			4,252												(1,470)						755						325						3,862
Construction			7,540												(27)						—						(1,846)						5,667
Agriculture production			1,209												—						24						(18)						1,215
Leases			5												—						—						13						18
Allowance for credit losses on loans			$	91,847											$	(2,392)					$	3,086					$	(7,165)					$	85,376
Reserve for unfunded commitments			3,400												—						—						390						3,790
Total			$	95,247											$	(2,392)					$	3,086					$	(6,775)					$	89,166

			Allowance for credit losses – Three months ended September 30, 2021
(in thousands)			Beginning Balance						Charge-offs						Recoveries						Provision						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	26,028					$	—					$	10					$	(817)					$	25,221
CRE owner occupied			10,463						(18)						793						(508)						10,730
Multifamily			13,196						—						—						(320)						12,876
Farmland			1,950						(126)						—						78						1,902
Total commercial real estate loans			51,637						(144)						803						(1,567)						50,729
Consumer:
SFR 1-4 1st DT liens			10,629						(145)						1						133						10,618
SFR HELOCs and junior liens			10,701						—						63						(333)						10,431
Other			2,620						(181)						97						(94)						2,442
Total consumer loans			23,950						(326)						161						(294)						23,491
Commercial and industrial			4,511						(1,112)						355						(327)						3,427
Construction			4,951						—						—						577						5,528
Agriculture production			1,007						—						2						110						1,119
Leases			6						—						—						6						12
Allowance for credit losses on loans			$	86,062					$	(1,582)					$	1,321					$	(1,495)					$	84,306
Reserve for unfunded commitments			3,465						—						—						60						3,525
Total			$	89,527					$	(1,582)					$	1,321					$	(1,435)					$	87,831

			Allowance for credit losses – Nine months ended September 30, 2021
(in thousands)			Beginning Balance												Charge-offs						Recoveries						Provision						Ending Balance
Commercial real estate:
CRE non-owner occupied			$	29,380											$	—					$	12					$	(4,171)					$	25,221
CRE owner occupied			10,861												(18)						794						(907)						10,730
Multifamily			11,472												—						—						1,404						12,876
Farmland			1,980												(126)						—						48						1,902
Total commercial real estate loans			53,693												(144)						806						(3,626)						50,729
Consumer:
SFR 1-4 1st DT liens			10,117												(145)						12						634						10,618
SFR HELOCs and junior liens			11,771												—						860						(2,200)						10,431
Other			3,260												(460)						262						(620)						2,442
Total consumer loans			25,148												(605)						1,134						(2,186)						23,491
Commercial and industrial			4,252												(1,446)						570						51						3,427
Construction			7,540												—						—						(2,012)						5,528
Agriculture production			1,209												—						24						(114)						1,119
Leases			5												—						—						7						12
Allowance for credit losses on loans			91,847												(2,195)						2,534						(7,880)						84,306
Reserve for unfunded commitments			3,400												—						—						125						3,525
Total			$	95,247											$	(2,195)					$	2,534					$	(7,755)					$	87,831

Summary of Loans and Leases Purchased and Acquired with Credit Deterioration

The following table provides a summary of loans and leases purchased as part of the VRB acquisition with credit deterioration at acquisition:

			As of March 25, 2022
(in thousands)			Commercial Real Estate						Consumer						Commercial and Industrial						Construction						Agriculture Production						Total
Par value			$	27,237					$	3,877					$	2,674					$	25,645					$	9,080					$	68,513
ACL at acquisition			(1,573)						(144)						(81)						(201)						(38)						(2,037)
Non-credit discount			(2,305)						(360)						(47)						(232)						(12)						(2,956)
Purchase price			$	23,359					$	3,373					$	2,546					$	25,212					$	9,030					$	63,520

Schedule Credit Quality Indicators

Based on the most recent analysis performed, the risk category of loans by class of loans is as follows for the period indicated:

			Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2022
(in thousands)			2022						2021						2020						2019						2018						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	314,435					$	309,032					$	151,529					$	225,181					$	152,544					$	761,494					$	108,941					$	—					$	2,023,156
Special Mention			—						—						—						8,650						—						22,079						1,345						—						32,074
Substandard			—						900						792						—						1,066						4,418						—						—						7,176
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE non-owner occupied risk ratings			$	314,435					$	309,932					$	152,321					$	233,831					$	153,610					$	787,991					$	110,286					$	—					$	2,062,406

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	187,346					$	193,426					$	132,676					$	69,125					$	50,770					$	267,391					$	34,869					$	—					$	935,603
Special Mention			—						16,904						236						—						—						7,217						—						—						24,357
Substandard			3,230						723						—						117						1,130						3,326						1,102						—						9,628
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE owner occupied risk ratings			$	190,576					$	211,053					$	132,912					$	69,242					$	51,900					$	277,934					$	35,971					$	—					$	969,588

Commercial real estate:
Multifamily risk ratings
Pass			$	153,679					$	285,798					$	97,578					$	88,771					$	105,714					$	165,961					$	29,924					$	—					$	927,425
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						132						—						—						132
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total multifamily loans			$	153,679					$	285,798					$	97,578					$	88,771					$	105,714					$	166,093					$	29,924					$	—					$	927,557

Commercial real estate:
Farmland risk ratings
Pass			$	43,021					$	53,913					$	16,940					$	23,810					$	13,611					$	39,521					$	49,444					$	—					$	240,260
Special Mention			2,284						777						239						—						—						1,433						21,431						—						26,164
Substandard			—						—						335						1,520						3,155						7,026						919						—						12,955
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total farmland loans			$	45,305					$	54,690					$	17,514					$	25,330					$	16,766					$	47,980					$	71,794					$	—					$	279,379

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	154,671					$	269,240					$	136,710					$	33,821					$	30,232					$	122,402					$	10					$	3,242					$	750,328
Special Mention			—						—						—						283						3,297						3,708						—						441						7,729
Substandard			—						1,209						—						—						1,025						4,123						—						615						6,972
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR 1st DT liens			$	154,671					$	270,449					$	136,710					$	34,104					$	34,554					$	130,233					$	10					$	4,298					$	765,029

			Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2022
(in thousands)			2022						2021						2020						2019						2018						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Consumer loans:
SFR HELOCs and Junior Liens
Pass			$	420					$	—					$	—					$	—					$	—					$	136					$	378,609					$	8,522					$	387,687
Special Mention			—						—						—						—						—						—						1,783						82						1,865
Substandard			—						—						—						—						—						—						3,814						770						4,584
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR HELOCs and Junior Liens			$	420					$	—					$	—					$	—					$	—					$	136					$	384,206					$	9,374					$	394,136

Consumer loans:
Other risk ratings
Pass			$	11,538					$	13,996					$	11,175					$	11,977					$	5,657					$	2,118					$	873					$	—					$	57,334
Special Mention			2						4						104						143						184						113						43						—						593
Substandard			—						—						42						43						1						96						23						—						205
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total other consumer loans			$	11,540					$	14,000					$	11,321					$	12,163					$	5,842					$	2,327					$	939					$	—					$	58,132

Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	115,676					$	68,377					$	25,530					$	25,839					$	9,157					$	7,005					$	260,876					$	761					$	513,221
Special Mention			3,354						150						22						1,590						169						29						14,374						—						19,688
Substandard			—						24						—						—						35						710						1,180						102						2,051
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total commercial and industrial loans			$	119,030					$	68,551					$	25,552					$	27,429					$	9,361					$	7,744					$	276,430					$	863					$	534,960

Construction loans:
Construction risk ratings
Pass			$	43,353					$	85,108					$	52,726					$	42,886					$	2,642					$	5,186					$	—					$	—					$	231,901
Special Mention			—						—						—						11,455						—						—						—						—						11,455
Substandard			—						—						—						84						—						131						—						—						215
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total construction loans			$	43,353					$	85,108					$	52,726					$	54,425					$	2,642					$	5,317					$	—					$	—					$	243,571

Agriculture production loans:
Agriculture production risk ratings
Pass			$	1,837					$	2,635					$	1,288					$	1,204					$	8,947					$	1,181					$	41,865					$	—					$	58,957
Special Mention			—						—						—						—						104						33						2,211						—						2,348
Substandard			—						—						1,804						—						—						—						8,490						—						10,294
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total agriculture production loans			$	1,837					$	2,635					$	3,092					$	1,204					$	9,051					$	1,214					$	52,566					$	—					$	71,599

			Term Loans Amortized Cost Basis by Origination Year – As of September 30, 2022
(in thousands)			2022						2021						2020						2019						2018						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Leases:
Lease risk ratings
Pass			$	7,933					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$7,933
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total leases			$	7,933					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	7,933

Total loans outstanding:
Risk ratings
Pass			$	1,033,909					$	1,281,525					$	626,152					$	522,614					$	379,274					$	1,372,395					$	905,411					$	12,525					$	6,133,805
Special Mention			5,640						17,835						601						22,121						3,754						34,612						41,187						523						126,273
Substandard			3,230						2,856						2,973						1,764						6,412						19,962						15,528						1,487						54,212
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total loans outstanding			$	1,042,779					$	1,302,216					$	629,726					$	546,499					$	389,440					$	1,426,969					$	962,126					$	14,535					$	6,314,290

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2021
(in thousands)			2021						2020						2019						2018						2016						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Commercial real estate:
CRE non-owner occupied risk ratings
Pass			$	275,305					$	127,299					$	199,764					$	133,046					$	224,581					$	543,430					$	49,899					$	—					$	1,553,324
Special Mention			—						—						8,386						399						4,390						20,612						1,732						—						35,519
Substandard			—						—						—						1,382						739						12,177						—						—						14,298
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE non-owner occupied risk ratings			$	275,305					$	127,299					$	208,150					$	134,827					$	229,710					$	576,219					$	51,631					$	—					$	1,603,141

Commercial real estate:
CRE owner occupied risk ratings
Pass			$	178,092					$	104,571					$	63,979					$	48,721					$	55,399					$	203,431					$	22,745					$	—					$	676,938
Special Mention			15,515						—						—						289						2,964						3,833						—						—						22,601
Substandard			—						—						858						1,214						455						4,241						—						—						6,768
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total CRE owner occupied risk ratings			$	193,607					$	104,571					$	64,837					$	50,224					$	58,818					$	211,505					$	22,745					$	—					$	706,307

Commercial real estate:
Multifamily risk ratings
Pass			$	278,942					$	100,752					$	71,822					$	109,374					$	85,932					$	146,984					$	25,236					$	—					$	819,042
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						4,305						—						—						153						—						—						4,458
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total multifamily loans			$	278,942					$	100,752					$	76,127					$	109,374					$	85,932					$	147,137					$	25,236					$	—					$	823,500

Commercial real estate:
Farmland risk ratings
Pass			$	43,601					$	17,399					$	20,223					$	15,119					$	9,129					$	18,455					$	37,612					$	—					$	161,538
Special Mention			—						—						—						—						1,197						2,519						1,491						—						5,207
Substandard			—						—						2,895						—						578						1,371						1,517						—						6,361
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total farmland loans			$	43,601					$	17,399					$	23,118					$	15,119					$	10,904					$	22,345					$	40,620					$	—					$	173,106

Consumer loans:
SFR 1-4 1st DT liens risk ratings
Pass			$	268,743					$	159,860					$	40,661					$	30,880					$	36,197					$	113,519					$	—					$	3,527					$	653,387
Special Mention			—						—						286						3,282						416						1,476						—						383						5,843
Substandard			1,103						—						—						1,089						256						4,758						—						524						7,730
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR 1st DT liens			$	269,846					$	159,860					$	40,947					$	35,251					$	36,869					$	119,753					$	—					$	4,434					$	666,960

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2021
(in thousands)			2021						2020						2019						2018						2017						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Consumer loans:
SFR HELOCs and Junior Liens
Pass			$	494					$	—					$	—					$	—					$	—					$	185					$	317,381					$	9,675					$	327,735
Special Mention			—						—						—						—						—						53						3,655						832						4,540
Substandard			—						—						—						—						—						2						4,164						1,072						5,238
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total SFR HELOCs and Junior Liens			$	494					$	—					$	—					$	—					$	—					$	240					$	325,200					$	11,579					$	337,513

Consumer loans:
Other risk ratings
Pass			$	20,920					$	15,939					$	17,316					$	8,016					$	2,137					$	1,079					$	612					$	—					$	66,019
Special Mention			—						46						157						233						98						51						69						—						654
Substandard			—						53						96						94						67						85						10						—						405
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total other consumer loans			$	20,920					$	16,038					$	17,569					$	8,343					$	2,302					$	1,215					$	691					$	—					$	67,078

Commercial and industrial loans:
Commercial and industrial risk ratings
Pass			$	92,972					$	17,933					$	27,335					$	11,335					$	6,355					$	6,774					$	89,358					$	860					$	252,922
Special Mention			—						2,417						69						152						71						80						116						—						2,905
Substandard			—						—						146						152						804						414						1,832						180						3,528
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total commercial and industrial loans			$	92,972					$	20,350					$	27,550					$	11,639					$	7,230					$	7,268					$	91,306					$	1,040					$	259,355

Construction loans:
Construction risk ratings
Pass			$	66,318					$	79,567					$	58,383					$	4,849					$	1,716					$	8,148					$	—					$	—					$	218,981
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			2,675						472						—						—						—						153						—						—						3,300
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total construction loans			$	68,993					$	80,039					$	58,383					$	4,849					$	1,716					$	8,301					$	—					$	—					$	222,281

Agriculture production loans:
Agriculture production risk ratings
Pass			$	2,068					$	878					$	1,393					$	801					$	940					$	853					$	43,686					$	—					$	50,619
Special Mention			—						—						—						150						—						42						—						—						192
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total agriculture production loans			$	2,068					$	878					$	1,393					$	951					$	940					$	895					$	43,686					$	—					$	50,811

			Term Loans Amortized Cost Basis by Origination Year – As of December 31, 2021
(in thousands)			2021						2020						2019						2018						2017						Prior						Revolving Loans Amortized Cost Basis						Revolving Loans Converted to Term						Total
Pass			$	6,572					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	6,572
Special Mention			—						—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—						—
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total leases			$	6,572					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	6,572

Total loans outstanding:
Risk ratings
Pass			$	1,234,027					$	624,198					$	500,876					$	362,141					$	422,386					$	1,042,858					$	586,529					$	14,062					$	4,787,077
Special Mention			15,515						2,463						8,898						4,505						9,136						28,666						7,063						1,215						77,461
Substandard			3,778						525						8,300						3,931						2,899						23,354						7,523						1,776						52,086
Doubtful/Loss			—						—						—						—						—						—						—						—						—
Total loans outstanding			$	1,253,320					$	627,186					$	518,074					$	370,577					$	434,421					$	1,094,878					$	601,115					$	17,053					$	4,916,624

Analysis of Past Due Loans

The following table shows the ending balance of current and past due originated loans by loan category as of the date indicated:

			Analysis of Past Due Loans - As of September 30, 2022
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	113					$	166					$	224					$	503					$	2,061,903					$	2,062,406
CRE owner occupied			689						—						75						764						968,824						969,588
Multifamily			—						—						—						—						927,557						927,557
Farmland			336						438						—						774						278,605						279,379
Total commercial real estate loans			1,138						604						299						2,041						4,236,889						4,238,930
Consumer:
SFR 1-4 1st DT liens			15						114						616						745						764,284						765,029
SFR HELOCs and junior liens			1,257						53						964						2,274						391,862						394,136
Other			63						44						42						149						57,983						58,132
Total consumer loans			1,335						211						1,622						3,168						1,214,129						1,217,297
Commercial and industrial			669						280						140						1,089						533,871						534,960
Construction			—						—						85						85						243,486						243,571
Agriculture production			—						—						88						88						71,511						71,599
Leases			—						—						—						—						7,933						7,933
Total			$	3,142					$	1,095					$	2,234					$	6,471					$	6,307,819					$	6,314,290

			Analysis of Past Due Loans - As of December 31, 2021
(in thousands)			30-59 days						60-89 days						> 90 days						Total Past Due Loans						Current						Total
Commercial real estate:
CRE non-owner occupied			$	226					$	37					$	—					$	263					$	1,602,878					$	1,603,141
CRE owner occupied			271						127						273						671						705,636						706,307
Multifamily			—						—						—						—						823,500						823,500
Farmland			—						—						575						575						172,531						173,106
Total commercial real estate loans			497						164						848						1,509						3,304,545						3,306,054
Consumer:
SFR 1-4 1st DT liens			—						13						362						375						666,585						666,960
SFR HELOCs and junior liens			36						361						1,212						1,609						335,904						337,513
Other			109						7						28						144						66,934						67,078
Total consumer loans			145						381						1,602						2,128						1,069,423						1,071,551
Commercial and industrial			146						245						166						557						258,798						259,355
Construction			—						90						—						90						222,191						222,281
Agriculture production			48						—						—						48						50,763						50,811
Leases			—						—						—						—						6,572						6,572
Total			$	836					$	880					$	2,616					$	4,332					$	4,912,292					$	4,916,624

Schedule of Non Accrual Loans

The following table shows the ending balance of non accrual loans by loan category as of the date indicated:

			Non Accrual Loans
			As of September 30, 2022																		As of December 31, 2021
(in thousands)			Non accrual with no allowance for credit losses						Total non accrual						Past due 90 days or more and still accruing						Non accrual with no allowance for credit losses						Total non accrual						Past due 90 days or more and still accruing
Commercial real estate:
CRE non-owner occupied			$	2,032					$	2,032					$	—					$	7,899					$	7,899					$	—
CRE owner occupied			1,703						1,778						—						4,763						5,036						—
Multifamily			132						132						—						4,457						4,457						—
Farmland			813						695						—						452						3,020						—
Total commercial real estate loans			4,680						4,637						—						17,571						20,412						—
Consumer:
SFR 1-4 1st DT liens			3,103						3,255						—						3,594						3,595						—
SFR HELOCs and junior liens			2,945						3,365						—						3,285						3,801						—
Other			6						61						—						48						71						—
Total consumer loans			6,054						6,681						—						6,927						7,467						—
Commercial and industrial			462						655						5						1,904						2,416						—
Construction			120						120						—						15						55						—
Agriculture production			—						5,373						—						—						—						—
Leases			—						—						—						—						—						—
Sub-total			11,316						17,466						5						26,417						30,350						—
Less: Guaranteed loans			(110)						(147)						—						(713)						(775)
Total, net			$	11,206					$	17,319					$	5					$	25,704					$	29,575					$	—

Amortized Cost Basis of Collateral Dependent Loans, By Class of Loan

The following tables present the amortized cost basis of collateral dependent loans by class of loans as of the following periods:

			As of September 30, 2022
(in thousands)			Retail						Office						Warehouse						Other						Multifamily						Farmland						SFR-1st Deed						SFR-2nd Deed						Automobile/Truck						A/R and Inventory						Equipment						Total
Commercial real estate:
CRE non-owner occupied			$	1,031					$	101					$	—					$	900					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	2,032
CRE owner occupied			573						75						1,131						—						—						—						—						—						—						—						—						1,779
Multifamily			—						—						—						—						132						—						—						—						—						—						—						132
Farmland			—						—						—						—						—						813						—						—						—						—						—						813
Total commercial real estate loans			1,604						176						1,131						900						132						813						—						—						—						—						—						4,756
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						3,255						—						—						—						—						3,255
SFR HELOCs and junior liens			—						—						—						—						—						—						1,503						1,442						—						—						—						2,945
Other			—						—						—						5						—						—						—						—						43						—						2						50
Total consumer loans			—						—						—						5						—						—						4,758						1,442						43						—						2						6,250
Commercial and industrial			—						—						—						—						—						—						—						—						—						604						50						654
Construction			—						—						—						—						—						—						120						—						—						—						—						120
Agriculture production			—						—						—						88						—						—						—						—						—						1,804						3,481						5,373
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	1,604					$	176					$	1,131					$	993					$	132					$	813					$	4,878					$	1,442					$	43					$	2,408					$	3,533					$	17,153

			As of December 31, 2021
(in thousands)			Retail						Office						Warehouse						Other						Multifamily						Farmland						SFR -1st Deed						SFR -2nd Deed						Automobile/Truck						A/R and Inventory						Equipment						Total
Commercial real estate:
CRE non-owner occupied			$	2,591					$	1,253					$	1,545					$	7,272					$	—					$	—					$	—					$	—					$	—					$	—					$	—					$	12,661
CRE owner occupied			—						—						—						—						—						—						—						—						—						—						—						—
Multifamily			—						—						—						—						4,458						—						—						—						—						—						—						4,458
Farmland			—						—						—						—						—			—			1,027						—						—						—						—						—						1,027
Total commercial real estate loans			2,591						1,253						1,545						7,272						4,458						1,027						—						—						—						—						—						18,146
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						3,589						—						—						—						—						3,589
SFR HELOCs and junior liens			—						—						—						—						—						—						1,649						1,636						—						—						—						3,285
Other			—						—						—						43						—						—						—						—						5						—						5						53
Total consumer loans			—						—						—						43						—						—						5,238						1,636						5						—						5						6,927
Commercial and industrial			—						—						—						—						—						—						—						—						—						2,162						112						2,274
Construction			—						—						—						—						—						—						15						—						—						—						—						15
Agriculture production			—						—						—						—						—						—						—						—						—						—						—						—
Leases			—						—						—						—						—						—						—						—						—						—						—						—
Total			$	2,591					$	1,253					$	1,545					$	7,315					$	4,458					$	1,027					$	5,253					$	1,636					$	5					$	2,162					$	117					$	27,362

Troubled Debt Restructurings

The following tables show certain information regarding TDRs that occurred during the periods indicated:

			TDR information for the three months ended September 30, 2022
(dollars in thousands)			Number						Pre-mod outstanding principal balance						Post-mod outstanding principal balance						Financial impact due to TDR taken as additional provision						Number that defaulted during the period						Recorded investment of TDRs that defaulted during the period						Financial impact due to the default of previous TDR taken as charge- offs or additional provisions
Commercial real estate:
CRE non-owner occupied			—						$	—					$	—					$	—					—						$	—					$	—
CRE owner occupied			—						—						—						—						—						—						—
Multifamily			—						—						—						—						—						—						—
Farmland			—						—						—						—						—						—						—
Total commercial real estate loans			—						—						—						—						—						—						—
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						—
SFR HELOCs and junior liens			—						—						—						—						—						—						—
Other			—						—						—						—						—						—						—
Total consumer loans			—						—						—						—						—						—						—
Commercial and industrial			—						—						—						—						—						—						—
Construction			—						—						—						—						—						—						—
Agriculture production			4						7,210						7,210						—						—						—						—
Leases			—						—						—						—						—						—						—
Total			4						$	7,210					$	7,210					$	—					—						$	—					$	—

			TDR information for the three months ended September 30, 2021
(dollars in thousands)			Number						Pre-mod outstanding principal balance						Post-mod outstanding principal balance						Financial impact due to TDR taken as additional provision						Number that defaulted during the period						Recorded investment of TDRs that defaulted during the period						Financial impact due to the default of previous TDR taken as charge- offs or additional provisions
Commercial real estate:
CRE non-owner occupied			3						$	3,943					$	3,938					$	—					—						$	—					$	—
CRE owner occupied			—						—						—						—						—						—						—
Multifamily			—						—						—						—						—						—						—
Farmland			1						50						50						50						—						—						—
Total commercial real estate loans			4						3,993						3,988						50						—						—						—
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						—
SFR HELOCs and junior liens			—						—						—						—						—						—						—
Other			—						—						—						—						—						—						—
Total consumer loans			—						—						—						—						—						—						—
Commercial and industrial			2						160						159						106						—						—						—
Construction			—						—						—						—						—						—						—
Agriculture production			—						—						—						—						—						—						—
Leases			—						—						—						—						—						—						—
Total			6						$	4,153					$	4,147					$	156					—						$	—					$	—

			TDR Information for the nine months ended September 30, 2022
(dollars in thousands)			Number						Pre-mod outstanding principal balance						Post-mod outstanding principal balance						Financial impact due to TDR taken as additional provision						Number that defaulted during the period						Recorded investment of TDRs that defaulted during the period						Financial impact due to the default of previous TDR taken as charge- offs or additional provisions
Commercial real estate:
CRE non-owner occupied			—						$	—					$	—					$	—					—						$	—					$	—
CRE owner occupied			—						—						—						—						—						—						—
Multifamily			—						—						—						—						—						—						—
Farmland			3						1,228						1,440						—						—						—						—
Total commercial real estate loans			3						1,228						1,440						—						—						—						—
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						—
SFR HELOCs and junior liens			—						—						—						—						2						146						—
Other			—						—						—						—						—						—						—
Total consumer loans			—						—						—						—						2						146						—
Commercial and industrial			—						—						—						—						1						22						—
Construction			—						—						—						—						—						—						—
Agriculture production			4						7,210						7,210						—						—						—						—
Leases			—						—						—						—						—						—						—
Total			7						$	8,438					$	8,650					$	—					3						$	168					$	—

			TDR Information for the nine months ended September 30, 2021
(dollars in thousands)			Number						Pre-mod outstanding principal balance						Post-mod outstanding principal balance						Financial impact due to TDR taken as additional provision						Number that defaulted during the period						Recorded investment of TDRs that defaulted during the period						Financial impact due to the default of previous TDR taken as charge- offs or additional provisions
Commercial real estate:
CRE non-owner occupied			—						$	4,966					$	4,956					$	1,020					—						$	—					$	—
CRE owner occupied			—						740						742						742						—						—						—
Multifamily			—						—						—						—						—						—						—
Farmland			—						50						50						50						—						847						—
Total commercial real estate loans			—						5,756						5,748						1,812						—						847						—
Consumer:
SFR 1-4 1st DT liens			—						—						—						—						—						—						—
SFR HELOCs and junior liens			—						—						—						—						—						—						—
Other			—						—						—						—						—						—						—
Total consumer loans			—						—						—						—						—						—						—
Commercial and industrial			—						2,476						2,469						709						—						260						(5)
Construction			—						—						—						—						—						—						—
Agriculture production			—						—						—						—						—						—						—
Leases			—						—						—						—						—						—						—
Total			—						$	8,232					$	8,217					$	2,521					—						$	1,107					$	(5)

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+ References

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-Publisher FASB
-Name Accounting Standards Codification
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Tabular disclosure of aging analysis for financing receivable.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 326
-SubTopic 20
-Section 50
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919253-210447

Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
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-URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953401-111524

Reference 3: http://www.xbrl.org/2003/role/exampleRef
-Publisher FASB
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- Definition

Tabular disclosure of financing receivable modified as troubled debt restructuring.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524

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