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Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments | 3 Months Ended
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Mar. 31, 2022
Receivables [Abstract] |
Allowance for Loan and Leases and Reserve for Unfunded Commitments | Note 5—Allowance for Loan and Lease Losses and Reserve for Unfunded Commitments Loans and leases considered for inclusion in the allowance for loan and lease losses include acquired non-impaired loans and leases, those acquired impaired loans with credit deterioration after acquisition, and originated loans and leases. Although all acquired loans and leases are included in the following table, only those with credit deterioration subsequent to acquisition date are included in the allowance for loan and lease losses. The following tables summarize the balance and activity within the allowance for loan and lease losses, the components of the allowance for loan and lease losses in terms of loans and leases individually and collectively evaluated for impairment, and corresponding loan and lease balances by type for the three months ended March 31, 2022 and 2021 are as follows:
March 31, 2022 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Paycheck Protection Program |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Allowance for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 16,918 |  |  | $ | 1,628 |  |  | $ | 522 |  |  | $ | 33,129 |  |  | $ | — |  |  | $ | 9 |  |  | $ | 2,806 |  |  | $ | 55,012 |
Provision |  |  | 2,784 |  |  |  | 513 |  |  |  | 594 |  |  |  | 458 |  |  |  | — |  |  |  | 1 |  |  |  | 645 |  |  |  | 4,995 |
Charge-offs |  |  | (240 | ) |  |  | — |  |  |  | — |  |  |  | (463 | ) |  |  | — |  |  |  | — |  |  |  | (363 | ) |  |  | (1,066 | )
Recoveries |  |  | 244 |  |  |  | 4 |  |  |  | — |  |  |  | 120 |  |  |  | — |  |  |  | — |  |  |  | 149 |  |  |  | 517 |
Ending balance |  | $ | 19,706 |  |  | $ | 2,145 |  |  | $ | 1,116 |  |  | $ | 33,244 |  |  | $ | — |  |  | $ | 10 |  |  | $ | 3,237 |  |  | $ | 59,458 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 7,731 |  |  | $ | 6 |  |  | $ | — |  |  | $ | 13,002 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 20,739 |
Collectively evaluated for impairment |  |  | 10,320 |  |  |  | 1,138 |  |  |  | 1,115 |  |  |  | 19,855 |  |  |  | — |  |  |  | 8 |  |  |  | 3,237 |  |  |  | 35,673 |
Loans acquired with deteriorated credit quality |  |  | 1,655 |  |  |  | 1,001 |  |  |  | 1 |  |  |  | 387 |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | 3,046 |
Total allowance for loan and lease losses |  | $ | 19,706 |  |  | $ | 2,145 |  |  | $ | 1,116 |  |  | $ | 33,244 |  |  | $ | — |  |  | $ | 10 |  |  | $ | 3,237 |  |  | $ | 59,458 |
March 31, 2022 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Paycheck Protection Program |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Loans and leases ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 36,805 |  |  | $ | 2,190 |  |  | $ | — |  |  | $ | 32,457 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 71,452 |
Collectively evaluated for impairment |  |  | 1,675,468 |  |  |  | 445,183 |  |  |  | 351,715 |  |  |  | 1,703,362 |  |  |  | 36,260 |  |  |  | 1,193 |  |  |  | 384,684 |  |  |  | 4,597,865 |
Loans acquired with deteriorated credit quality |  |  | 67,092 |  |  |  | 47,347 |  |  |  | 1,357 |  |  |  | 3,792 |  |  |  | — |  |  |  | 163 |  |  |  | — |  |  |  | 119,751 |
Total loans and leases |  | $ | 1,779,365 |  |  | $ | 494,720 |  |  | $ | 353,072 |  |  | $ | 1,739,611 |  |  | $ | 36,260 |  |  | $ | 1,356 |  |  | $ | 384,684 |  |  | $ | 4,789,068 |
March 31, 2021 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Paycheck Protection Program |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Allowance for loan and lease losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 19,584 |  |  | $ | 2,400 |  |  | $ | 1,352 |  |  | $ | 41,183 |  |  | $ | — |  |  | $ | 15 |  |  | $ | 1,813 |  |  | $ | 66,347 |
Provision/(recapture) |  |  | 2,606 |  |  |  | (302 | ) |  |  | (241 | ) |  |  | 1,947 |  |  |  | — |  |  |  | (3 | ) |  |  | 360 |  |  |  | 4,367 |
Charge-offs |  |  | (1,877 | ) |  |  | (11 | ) |  |  | (326 | ) |  |  | (2,888 | ) |  |  | — |  |  |  | — |  |  |  | (364 | ) |  |  | (5,466 | )
Recoveries |  |  | 185 |  |  |  | 4 |  |  |  | — |  |  |  | 60 |  |  |  | — |  |  |  | — |  |  |  | 93 |  |  |  | 342 |
Ending balance |  | $ | 20,498 |  |  | $ | 2,091 |  |  | $ | 785 |  |  | $ | 40,302 |  |  | $ | — |  |  | $ | 12 |  |  | $ | 1,902 |  |  | $ | 65,590 |
Ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 7,409 |  |  | $ | 101 |  |  | $ | — |  |  | $ | 18,824 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 26,334 |
Collectively evaluated for impairment |  |  | 10,881 |  |  |  | 1,460 |  |  |  | 780 |  |  |  | 20,066 |  |  |  | — |  |  |  | 12 |  |  |  | 1,902 |  |  |  | 35,101 |
Loans acquired with deteriorated credit quality |  |  | 2,208 |  |  |  | 530 |  |  |  | 5 |  |  |  | 1,412 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,155 |
Total allowance for loan and lease losses |  | $ | 20,498 |  |  | $ | 2,091 |  |  | $ | 785 |  |  | $ | 40,302 |  |  | $ | — |  |  | $ | 12 |  |  | $ | 1,902 |  |  | $ | 65,590 |
March 31, 2021 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Paycheck Protection Program |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Loans and leases ending balance: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 54,421 |  |  | $ | 1,709 |  |  | $ | — |  |  | $ | 43,306 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 99,436 |
Collectively evaluated for impairment |  |  | 1,281,188 |  |  |  | 469,287 |  |  |  | 238,332 |  |  |  | 1,312,248 |  |  |  | 617,006 |  |  |  | 1,425 |  |  |  | 254,331 |  |  |  | 4,173,817 |
Loans acquired with deteriorated credit quality |  |  | 96,059 |  |  |  | 74,283 |  |  |  | 1,992 |  |  |  | 8,842 |  |  |  | — |  |  |  | 191 |  |  |  | — |  |  |  | 181,367 |
Total loans and leases |  | $ | 1,431,668 |  |  | $ | 545,279 |  |  | $ | 240,324 |  |  | $ | 1,364,396 |  |  | $ | 617,006 |  |  | $ | 1,616 |  |  | $ | 254,331 |  |  | $ | 4,454,620 |
The Company increased the allowance for loan and lease losses by $4.4 million for the three months ended March 31, 2022, and decreased it by $757,000 for the three months ended March 31, 2021. For acquired impaired loans, the Company decreased the allowance by $139,000 and increased it by $2.3 million for the three months ended March 31, 2022, and 2021, respectively. For loans individually evaluated for impairment, the Company decreased the allowance for loan and lease losses for the three months ended March 31, 2022 by $299,000. The Company increased the allowance on loans individually evaluated for impairment by $2.4 million for the three months ended March 31, 2021. For loans collectively evaluated for impairment, the Company increased allowance for loan and lease losses by $4.9 million for the three months ended March 31, 2022, and recaptured $824,000 of the allowance for the three months ended March 31, 2021, respectively. An allowance for loan and lease loss allocation has not been made for PPP loans as these loans are fully guaranteed by the Small Business Association ("SBA"). On a quarterly basis, the Company assesses the collectability of its government guarantee loan and lease portfolio using historical loss experience in its small business lending unit. The following tables summarize the recorded investment, unpaid principal balance, and related allowance for loans and leases losses considered impaired as of March 31, 2022 and December 31, 2021, which exclude acquired impaired loans. For purposes of these tables, the unpaid principal balance represents the outstanding contractual balance. Impaired loans include loans that are individually evaluated for impairment as well as troubled debt restructurings for all loan categories. The sum of non-accrual loans and loans past due 90 days still on accrual will differ from the total impaired loan amount.
March 31, 2022 |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
With no related allowance recorded |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 14,083 |  |  | $ | 15,163 |  |  | $ | — |
Residential real estate |  |  | 2,104 |  |  |  | 2,209 |  |  |  | — |
Commercial and industrial |  |  | 12,285 |  |  |  | 13,891 |  |  |  | — |
With an allowance recorded |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 22,722 |  |  |  | 26,515 |  |  |  | 7,731 |
Residential real estate |  |  | 86 |  |  |  | 108 |  |  |  | 6 |
Commercial and industrial |  |  | 20,172 |  |  |  | 21,472 |  |  |  | 13,002 |
Total impaired loans |  | $ | 71,452 |  |  | $ | 79,358 |  |  | $ | 20,739 |
December 31, 2021 |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
With no related allowance recorded |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 17,233 |  |  | $ | 19,252 |  |  | $ | — |
Residential real estate |  |  | 1,802 |  |  |  | 1,919 |  |  |  | — |
Commercial and industrial |  |  | 16,624 |  |  |  | 19,148 |  |  |  | — |
With an allowance recorded |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 17,818 |  |  |  | 20,117 |  |  |  | 6,538 |
Commercial and industrial |  |  | 19,446 |  |  |  | 21,198 |  |  |  | 14,500 |
Total impaired loans |  | $ | 72,923 |  |  | $ | 81,634 |  |  | $ | 21,038 |
The following tables summarize the average recorded investment and interest income recognized for loans and leases considered impaired, which excludes acquired impaired loans, for the three months ended:
March 31, 2022 |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded |  |  |  |  |  |
Commercial real estate |  | $ | 16,068 |  |  | $ | 236 |
Residential real estate |  |  | 2,005 |  |  |  | 12 |
Commercial and industrial |  |  | 17,380 |  |  |  | 123 |
With an allowance recorded |  |  |  |  |  |
Commercial real estate |  |  | 21,252 |  |  |  | 375 |
Residential real estate |  |  | 29 |  |  |  | — |
Commercial and industrial |  |  | 20,611 |  |  |  | 278 |
Total impaired loans |  | $ | 77,345 |  |  | $ | 1,024 |
March 31, 2021 |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no related allowance recorded |  |  |  |  |  |
Commercial real estate |  | $ | 34,961 |  |  | $ | 311 |
Residential real estate |  |  | 3,080 |  |  |  | 18 |
Commercial and industrial |  |  | 16,568 |  |  |  | 129 |
With an allowance recorded |  |  |  |  |  |
Commercial real estate |  |  | 22,178 |  |  |  | 161 |
Residential real estate |  |  | 298 |  |  |  | 2 |
Commercial and industrial |  |  | 31,089 |  |  |  | 273 |
Total impaired loans |  | $ | 108,174 |  |  | $ | 894 |
The following tables summarize the risk rating categories of the loans and leases considered for inclusion in the allowance for loan and lease losses calculation, excluding acquired impaired loans, as of March 31, 2022 and December 31, 2021:
March 31, 2022 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Paycheck Protection Program |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Pass |  | $ | 1,530,253 |  |  | $ | 423,884 |  |  | $ | 316,400 |  |  | $ | 1,541,963 |  |  | $ | 36,260 |  |  | $ | 1,113 |  |  | $ | 380,897 |  |  | $ | 4,230,770 |
Watch |  |  | 107,164 |  |  |  | 17,934 |  |  |  | 29,774 |  |  |  | 136,986 |  |  |  | — |  |  |  | 80 |  |  |  | 2,017 |  |  |  | 293,955 |
Special Mention |  |  | 38,012 |  |  |  | 3,624 |  |  |  | 5,541 |  |  |  | 23,162 |  |  |  | — |  |  |  | — |  |  |  | 1,381 |  |  |  | 71,720 |
Substandard |  |  | 36,844 |  |  |  | 1,931 |  |  |  | — |  |  |  | 33,708 |  |  |  | — |  |  |  | — |  |  |  | 329 |  |  |  | 72,812 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 60 |  |  |  | 60 |
Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 1,712,273 |  |  | $ | 447,373 |  |  | $ | 351,715 |  |  | $ | 1,735,819 |  |  | $ | 36,260 |  |  | $ | 1,193 |  |  | $ | 384,684 |  |  | $ | 4,669,317 |
December 31, 2021 |  | Commercial Real Estate |  |  | Residential Real Estate |  |  | Construction, Land Development, and Other Land |  |  | Commercial and Industrial |  |  | Paycheck Protection Program |  |  | Installment and Other |  |  | Lease Financing Receivables |  |  | Total |
Pass |  | $ | 1,397,228 |  |  | $ | 406,948 |  |  | $ | 286,434 |  |  | $ | 1,341,826 |  |  | $ | 123,712 |  |  | $ | 1,123 |  |  | $ | 354,380 |  |  | $ | 3,911,651 |
Watch |  |  | 123,248 |  |  |  | 19,062 |  |  |  | 31,768 |  |  |  | 177,638 |  |  |  | — |  |  |  | 81 |  |  |  | 1,992 |  |  |  | 353,789 |
Special Mention |  |  | 37,340 |  |  |  | 3,118 |  |  |  | 5,885 |  |  |  | 21,586 |  |  |  | — |  |  |  | — |  |  |  | 1,609 |  |  |  | 69,538 |
Substandard |  |  | 35,772 |  |  |  | 1,985 |  |  |  | — |  |  |  | 36,897 |  |  |  | — |  |  |  | — |  |  |  | 348 |  |  |  | 75,002 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 97 |  |  |  | 97 |
Loss |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 1,593,588 |  |  | $ | 431,113 |  |  | $ | 324,087 |  |  | $ | 1,577,947 |  |  | $ | 123,712 |  |  | $ | 1,204 |  |  | $ | 358,426 |  |  | $ | 4,410,077 |
The following tables summarize contractual delinquency information for acquired non-impaired and originated loans and leases by category at March 31, 2022 and December 31, 2021:
March 31, 2022 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater than 90 Days and Accruing |  |  | Non- accrual |  |  | Total Past Due |  |  | Current |  |  | Total |
Commercial real estate |  | $ | 8,457 |  |  | $ | 10,684 |  |  | $ | — |  |  | $ | 10,988 |  |  | $ | 30,129 |  |  | $ | 1,682,144 |  |  | $ | 1,712,273 |
Residential real estate |  |  | 2,213 |  |  |  | 2,430 |  |  |  | — |  |  |  | 1,923 |  |  |  | 6,566 |  |  |  | 440,807 |  |  |  | 447,373 |
Construction, land development, and other land |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 351,715 |  |  |  | 351,715 |
Commercial and industrial |  |  | 4,671 |  |  |  | — |  |  |  | — |  |  |  | 7,003 |  |  |  | 11,674 |  |  |  | 1,724,145 |  |  |  | 1,735,819 |
Paycheck Protection Program |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 36,260 |  |  |  | 36,260 |
Installment and other |  |  | 2 |  |  |  | 34 |  |  |  | — |  |  |  | — |  |  |  | 36 |  |  |  | 1,157 |  |  |  | 1,193 |
Lease financing receivables |  |  | 515 |  |  |  | 16 |  |  |  | — |  |  |  | 363 |  |  |  | 894 |  |  |  | 383,790 |  |  |  | 384,684 |
Total |  | $ | 15,858 |  |  | $ | 13,164 |  |  | $ | — |  |  | $ | 20,277 |  |  | $ | 49,299 |  |  | $ | 4,620,018 |  |  | $ | 4,669,317 |
December 31, 2021 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater than 90 Days and Accruing |  |  | Non- accrual |  |  | Total Past Due |  |  | Current |  |  | Total |
Commercial real estate |  | $ | 5,185 |  |  | $ | 2,361 |  |  | $ | — |  |  | $ | 12,751 |  |  | $ | 20,297 |  |  | $ | 1,573,291 |  |  | $ | 1,593,588 |
Residential real estate |  |  | 14,282 |  |  |  | 852 |  |  |  | — |  |  |  | 1,450 |  |  |  | 16,584 |  |  |  | 414,529 |  |  |  | 431,113 |
Construction, land development, and other land |  |  | 5,885 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5,885 |  |  |  | 318,202 |  |  |  | 324,087 |
Commercial and industrial |  |  | 2,479 |  |  |  | 1,097 |  |  |  | — |  |  |  | 8,600 |  |  |  | 12,176 |  |  |  | 1,565,771 |  |  |  | 1,577,947 |
Paycheck Protection Program |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 123,712 |  |  |  | 123,712 |
Installment and other |  |  | 3 |  |  |  | 35 |  |  |  | — |  |  |  | — |  |  |  | 38 |  |  |  | 1,166 |  |  |  | 1,204 |
Lease financing receivables |  |  | 1,661 |  |  |  | 251 |  |  |  | — |  |  |  | 329 |  |  |  | 2,241 |  |  |  | 356,185 |  |  |  | 358,426 |
Total |  | $ | 29,495 |  |  | $ | 4,596 |  |  | $ | — |  |  | $ | 23,130 |  |  | $ | 57,221 |  |  | $ | 4,352,856 |  |  | $ | 4,410,077 |
Trouble debt restructurings (“TDRs”) are granted due to borrower financial difficulty and provide for a modification of loan repayment terms. TDRs are treated in the same manner as impaired loans for purposes of calculating the allowance for loan and lease losses. The tables below present TDRs by loan category as of March 31, 2022 and December 31, 2021:
March 31, 2022 |  | Number of Loans |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Charge-offs |  |  | Specific Reserves |
Accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 4 |  |  | $ | 1,244 |  |  | $ | 1,244 |  |  | $ | — |  |  | $ | 158 |
Commercial and industrial |  |  | 1 |  |  |  | 50 |  |  |  | 50 |  |  |  | — |  |  |  | 50 |
Residential real estate |  |  | 2 |  |  |  | 162 |  |  |  | 162 |  |  |  | — |  |  |  | — |
Total accruing |  |  | 7 |  |  |  | 1,456 |  |  |  | 1,456 |  |  |  | — |  |  |  | 208 |
Non-accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 4 |  |  |  | 899 |  |  |  | 783 |  |  |  | 116 |  |  |  | 163 |
Commercial and industrial |  |  | 3 |  |  |  | 1,717 |  |  |  | 560 |  |  |  | 1,157 |  |  |  | — |
Total non-accruing |  |  | 7 |  |  |  | 2,616 |  |  |  | 1,343 |  |  |  | 1,273 |  |  |  | 163 |
Total troubled debt restructurings |  |  | 14 |  |  | $ | 4,072 |  |  | $ | 2,799 |  |  | $ | 1,273 |  |  | $ | 371 |
December 31, 2021 |  | Number of Loans |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Charge-offs |  |  | Specific Reserves |
Accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 5 |  |  | $ | 1,703 |  |  | $ | 1,703 |  |  | $ | — |  |  | $ | 215 |
Commercial and industrial |  |  | 1 |  |  |  | 56 |  |  |  | 56 |  |  |  | — |  |  |  | 131 |
Residential real estate |  |  | 2 |  |  |  | 168 |  |  |  | 168 |  |  |  | — |  |  |  | — |
Total accruing |  |  | 8 |  |  |  | 1,927 |  |  |  | 1,927 |  |  |  | — |  |  |  | 346 |
Non-accruing: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  |  | 4 |  |  |  | 1,034 |  |  |  | 918 |  |  |  | 116 |  |  |  | 111 |
Commercial and industrial |  |  | 3 |  |  |  | 1,745 |  |  |  | 588 |  |  |  | 1,157 |  |  |  | — |
Total non-accruing |  |  | 7 |  |  |  | 2,779 |  |  |  | 1,506 |  |  |  | 1,273 |  |  |  | 111 |
Total troubled debt restructurings |  |  | 15 |  |  | $ | 4,706 |  |  | $ | 3,433 |  |  | $ | 1,273 |  |  | $ | 457 |
Loans modified as troubled debt restructurings that occurred during the three months ended March 31, 2022 and 2021 were:
|  | Three Months Ended |
|  | March 31, |
|  | 2022 |  |  | 2021 |
Accruing: |  |  |  |  |  |
Beginning balance |  | $ | 1,927 |  |  | $ | 2,495 |
Additions |  |  | — |  |  |  | 281 |
Net payments |  |  | (471 | ) |  |  | (57 | )
Net transfers from non-accrual |  |  | — |  |  |  | — |
Ending balance |  |  | 1,456 |  |  |  | 2,719 |
Non-accruing: |  |  |  |  |  |
Beginning balance |  |  | 1,506 |  |  |  | 5,650 |
Additions |  |  | — |  |  |  | 673 |
Net payments |  |  | (163 | ) |  |  | (343 | )
Charge-offs |  |  | — |  |  |  | (395 | )
Net transfers to accrual |  |  | — |  |  |  | — |
Ending balance |  |  | 1,343 |  |  |  | 5,585 |
Total troubled debt restructurings |  | $ | 2,799 |  |  | $ | 8,304 |
There were no troubled debt restructurings that subsequently defaulted within twelve months of the restructure date during the three months ended March 31, 2022 or 2021. In addition, there was no commitment outstanding on troubled debt restructurings at March 31, 2022 or December 31, 2021. At March 31, 2022 and December 31, 2021, the reserve for unfunded commitments was $2.0 million and $1.4 million, respectively. During the three months ended March 31, 2022, the increase to unfunded commitments was $599,000. During the three months ended March 31, 2021, there was a recapture for unfunded commitments of $120,000. There were no charge-offs or recoveries related to the reserve for unfunded commitments during the periods.

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