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Loans and Allowance for Loan Losses (Tables)

3 Months Ended

Mar. 31, 2022

Receivables [Abstract]

Loans by Portfolio Segment

Loans in the accompanying consolidated balance sheets are classified as follows (in thousands):    

			March 31, 2022						December 31, 2021
Real estate loans:
Construction			$	490,166					$	447,860
1-4 family residential			647,837						651,140
Commercial			1,722,577						1,598,172
Commercial loans			401,144						418,998
Municipal loans			455,155						443,078
Loans to individuals			84,037						85,914
Total loans			3,800,916						3,645,162
Less: Allowance for loan losses			35,524						35,273
Net loans			$	3,765,392					$	3,609,889

Summary of loans by credit quality indicators and origination year

The following tables set forth the amortized cost basis by class of financing receivable and credit quality indicator for the periods presented (in thousands):

March 31, 2022			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
			2022						2021						2020						2019						2018						Prior
Construction real estate:
Pass			$	40,882					$	187,212					$	82,190					$	14,657					$	3,053					$	7,810					$	154,086					$	489,890
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						—						—						—						—						—
Substandard			—						48						—						12						47						169						—						276
Doubtful			—						—						—						—						—						—						—						—
Total construction real estate			$	40,882					$	187,260					$	82,190					$	14,669					$	3,100					$	7,979					$	154,086					$	490,166
1-4 family residential real estate:
Pass			$	32,446					$	137,747					$	123,318					$	76,147					$	43,826					$	227,959					$	2,282					$	643,725
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						82						—						—						—						—						82
Substandard			—						48						394						162						154						3,033						42						3,833
Doubtful			—						—						—						—						—						197						—						197
Total 1-4 family residential real estate			$	32,446					$	137,795					$	123,794					$	76,309					$	43,980					$	231,189					$	2,324					$	647,837
Commercial real estate:
Pass			$	290,462					$	619,098					$	188,513					$	144,351					$	112,117					$	329,299					$	5,536					$	1,689,376
Pass watch			—						—						—						2,151						2,127						253						—						4,531
Special mention			—						—						2,057						2,175						118						2,364						—						6,714
Substandard			596						800						656						10,904						1,319						7,681						—						21,956
Doubtful			—						—						—						—						—						—						—						—
Total commercial real estate			$	291,058					$	619,898					$	191,226					$	159,581					$	115,681					$	339,597					$	5,536					$	1,722,577
Commercial loans:
Pass			$	37,172					$	103,293					$	42,475					$	12,837					$	11,727					$	5,021					$	184,458					$	396,983
Pass watch			206						42						—						248						18						—						—						514
Special mention			—						—						54						31						344						132						—						561
Substandard			—						88						172						368						189						18						1,457						2,292
Doubtful			—						283						40						100						300						65						6						794
Total commercial loans			$	37,378					$	103,706					$	42,741					$	13,584					$	12,578					$	5,236					$	185,921					$	401,144
Municipal loans:
Pass			$	33,909					$	79,304					$	63,144					$	59,531					$	27,773					$	191,494					$	—					$	455,155
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Total municipal loans			$	33,909					$	79,304					$	63,144					$	59,531					$	27,773					$	191,494					$	—					$	455,155
Loans to individuals:
Pass			$	11,288					$	34,246					$	20,609					$	9,783					$	3,165					$	1,980					$	2,820					$	83,891
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						—						32						—						—						32
Substandard			—						—						—						28						45						11						1						85
Doubtful			—						—						19						—						—						10						—						29
Total loans to individuals			$	11,288					$	34,246					$	20,628					$	9,811					$	3,242					$	2,001					$	2,821					$	84,037
Total loans			$	446,961					$	1,162,209					$	523,723					$	333,485					$	206,354					$	777,496					$	350,688					$	3,800,916

December 31, 2021			Term Loans Amortized Cost Basis by Origination Year																																				Revolving Loans Amortized Cost Basis						Total
			2021						2020						2019						2018						2017						Prior
Construction real estate:
Pass			$	179,521					$	82,862					$	38,788					$	5,666					$	2,126					$	6,080					$	132,592					$	447,635
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						175						—						175
Doubtful			—						—						—						50						—						—						—						50
Total construction real estate			$	179,521					$	82,862					$	38,788					$	5,716					$	2,126					$	6,255					$	132,592					$	447,860
1-4 family residential real estate:
Pass			$	141,058					$	129,681					$	81,607					$	47,566					$	34,236					$	209,470					$	2,238					$	645,856
Pass watch			—						—						—						—						—						777						—						777
Special mention			—						82						—						—						—						—						—						82
Substandard			57						403						55						—						295						3,257						88						4,155
Doubtful			—						—						—						—						—						270						—						270
Total 1-4 family residential real estate			$	141,115					$	130,166					$	81,662					$	47,566					$	34,531					$	213,774					$	2,326					$	651,140
Commercial real estate:
Pass			$	648,002					$	207,370					$	209,923					$	114,788					$	143,350					$	209,368					$	7,566					$	1,540,367
Pass watch			21,669						—						2,163						3,074						374						—						—						27,280
Special mention			—						2,062						2,217						119						163						1,877						—						6,438
Substandard			3,299						667						10,830						1,480						—						7,691						—						23,967
Doubtful			—						—						—						—						—						120						—						120
Total commercial real estate			$	672,970					$	210,099					$	225,133					$	119,461					$	143,887					$	219,056					$	7,566					$	1,598,172
Commercial loans:
Pass			$	140,628					$	51,866					$	24,688					$	13,204					$	2,516					$	4,062					$	178,263					$	415,227
Pass watch			—						—						280						22						—						—						—						302
Special mention			—						57						78						363						—						157						—						655
Substandard			—						283						296						174						16						—						1,457						2,226
Doubtful			7						26						124						359						—						72						—						588
Total commercial loans			$	140,635					$	52,232					$	25,466					$	14,122					$	2,532					$	4,291					$	179,720					$	418,998
Municipal loans:
Pass			$	80,167					$	64,803					$	61,348					$	29,168					$	56,274					$	151,318					$	—					$	443,078
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Total municipal loans			$	80,167					$	64,803					$	61,348					$	29,168					$	56,274					$	151,318					$	—					$	443,078
Loans to individuals:
Pass			$	40,252					$	24,028					$	11,813					$	4,121					$	1,684					$	849					$	3,052					$	85,799
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						36						—						—						—						36
Substandard			—						1						24						4						23						10						2						64
Doubtful			—						—						1						7						3						4						—						15
Total loans to individuals			$	40,252					$	24,029					$	11,838					$	4,168					$	1,710					$	863					$	3,054					$	85,914
Total loans			$	1,254,660					$	564,191					$	444,235					$	220,201					$	241,060					$	595,557					$	325,258					$	3,645,162

Aging of past due loans by class of loan

The following tables present the aging of the amortized cost basis in past due loans by class of loans (in thousands):

			March 31, 2022
			30-59 Days Past Due						60-89 Days Past Due						Greater than 90 Days Past Due						Total Past Due						Current						Total
Real estate loans:
Construction			$	38					$	12					$	—					$	50					$	490,116					$	490,166
1-4 family residential			3,040						437						254						3,731						644,106						647,837
Commercial			747						122						—						869						1,721,708						1,722,577
Commercial loans			1,100						245						512						1,857						399,287						401,144
Municipal loans			—						—						—						—						455,155						455,155
Loans to individuals			173						—						30						203						83,834						84,037
Total			$	5,098					$	816					$	796					$	6,710					$	3,794,206					$	3,800,916

			December 31, 2021
			30-59 Days Past Due						60-89 Days Past Due						Greater than 90 Days Past Due						Total Past Due						Current						Total
Real estate loans:
Construction			$	82					$	58					$	—					$	140					$	447,720					$	447,860
1-4 family residential			3,226						606						227						4,059						647,081						651,140
Commercial			1,191						—						99						1,290						1,596,882						1,598,172
Commercial loans			1,523						251						537						2,311						416,687						418,998
Municipal loans			170						—						—						170						442,908						443,078
Loans to individuals			315						41						8						364						85,550						85,914
Total			$	6,507					$	956					$	871					$	8,334					$	3,636,828					$	3,645,162

Nonperforming assets by asset class

The following table sets forth the amortized cost basis of nonperforming assets for the periods presented (in thousands):

			March 31, 2022						December 31, 2021
Nonaccrual loans:
Real estate loans:
Construction			$	4					$	57
1-4 family residential			709						969
Commercial			574						668
Commercial loans			1,029						815
Loans to individuals			41						27
Total nonaccrual loans (1)			2,357						2,536
Accruing loans past due more than 90 days			—						—
TDR loans			9,098						9,073
OREO			—						—
Repossessed assets			—						—
Total nonperforming assets			$	11,455					$	11,609

(1)    Includes $1.0 million and $1.1 million of TDR loans as of March 31, 2022 and December 31, 2021, respectively.

Troubled debt restructurings

The following tables set forth the recorded balance of loans considered to be TDRs that were restructured and the type of concession by class of loans during the periods presented (dollars in thousands):

			Three Months Ended March 31, 2022
			Extend Amortization  Period						Interest Rate Reductions						Combination						Total Modifications						Number of Loans
Real estate loans:
1-4 family residential			$	—					$	—					$	211					$	211					3
Commercial loans			—						—						13						13						1
Loans to individuals			—						—						5						5						1
Total			$	—					$	—					$	229					$	229					5

			Three Months Ended March 31, 2021
			Extend Amortization  Period						Interest Rate Reductions						Combination						Total Modifications						Number of Loans
Real estate loans:
1-4 family residential			$	—					$	—					$	130					$	130					2
Commercial loans			—						—						18						18						1
Total			$	—					$	—					$	148					$	148					3

Allowance for loan losses activity by portfolio segment

The following tables detail activity in the allowance for loan losses by portfolio segment for the periods presented (in thousands):

			Three Months Ended March 31, 2022
			Real Estate
			Construction						1-4 Family Residential						Commercial						Commercial Loans						Municipal Loans						Loans to Individuals												Total
Balance at beginning of period			$	3,787					$	1,866					$	26,980					$	2,397					$	47					$	196											$	35,273
Loans charged-off			—						—						—						(131)						—						(424)												(555)
Recoveries of loans charged-off			—						39						47						216						—						238												540
Net loans (charged-off) recovered			—						39						47						85						—						(186)												(15)
Provision for (reversal of) loan losses			(183)						77						198						(28)						1						201												266
Balance at end of period			$	3,604					$	1,982					$	27,225					$	2,454					$	48					$	211											$	35,524

			Three Months Ended March 31, 2021
			Real Estate
			Construction						1-4 Family Residential						Commercial						Commercial Loans						Municipal Loans						Loans to Individuals												Total
Balance at beginning of period			$	6,490					$	2,270					$	35,709					$	4,107					$	46					$	384											$	49,006
Loans charged-off			—						(73)						—						(319)						—						(403)												(795)
Recoveries of loans charged-off			1						55						—						282						—						284												622
Net loans (charged-off) recovered			1						(18)						—						(37)						—						(119)												(173)
Provision for (reversal of) loan losses			1,710						256						(8,473)						(962)						—						90												(7,379)
Balance at end of period			$	8,201					$	2,508					$	27,236					$	3,108					$	46					$	355											$	41,454

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