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Loans and Allowance for Loan Losses (Tables)

6 Months Ended

Jun. 30, 2022

Receivables [Abstract]

Loans by Portfolio Segment

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

			June 30, 2022						December 31, 2021
Real estate loans:
Construction			$	520,484					$	447,860
1-4 family residential			640,706						651,140
Commercial			1,834,734						1,598,172
Commercial loans			428,974						418,998
Municipal loans			457,239						443,078
Loans to individuals			80,904						85,914
Total loans			3,963,041						3,645,162
Less: Allowance for loan losses			35,449						35,273
Net loans			$	3,927,592					$	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):

June 30, 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			$	70,906					$	211,236					$	44,569					$	9,909					$	2,846					$	7,289					$	173,420					$	520,175
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						—						—						2						—						2
Substandard			—						46						—						12						46						203						—						307
Doubtful			—						—						—						—						—						—						—						—
Total construction real estate			$	70,906					$	211,282					$	44,569					$	9,921					$	2,892					$	7,494					$	173,420					$	520,484
1-4 family residential real estate:
Pass			$	62,503					$	131,797					$	116,400					$	70,688					$	40,570					$	212,731					$	2,120					$	636,809
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						80						—						—						—						—						80
Substandard			—						46						446						222						185						2,714						42						3,655
Doubtful			—						—						—						—						—						162						—						162
Total 1-4 family residential real estate			$	62,503					$	131,843					$	116,926					$	70,910					$	40,755					$	215,607					$	2,162					$	640,706
Commercial real estate:
Pass			$	474,786					$	594,621					$	182,409					$	144,639					$	74,072					$	310,337					$	13,916					$	1,794,780
Pass watch			—						10,016						—						—						887						249						—						11,152
Special mention			—						—						2,048						2,474						117						1,946						—						6,585
Substandard			596						—						646						12,660						269						7,965						—						22,136
Doubtful			—						—						—						81						—						—						—						81
Total commercial real estate			$	475,382					$	604,637					$	185,103					$	159,854					$	75,345					$	320,497					$	13,916					$	1,834,734
Commercial loans:
Pass			$	84,254					$	72,829					$	36,975					$	11,107					$	10,132					$	4,183					$	158,199					$	377,679
Pass watch			226						17						—						247						17						—						31,724						32,231
Special mention			8,515						5,256						50						—						326						—						3,398						17,545
Substandard			—						54						88						317						96						13						—						568
Doubtful			—						441						33						130						284						57						6						951
Total commercial loans			$	92,995					$	78,597					$	37,146					$	11,801					$	10,855					$	4,253					$	193,327					$	428,974
Municipal loans:
Pass			$	45,435					$	78,084					$	60,657					$	57,729					$	26,904					$	188,430					$	—					$	457,239
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						—						—						—						—						—
Substandard			—						—						—						—						—						—						—						—
Doubtful			—						—						—						—						—						—						—						—
Total municipal loans			$	45,435					$	78,084					$	60,657					$	57,729					$	26,904					$	188,430					$	—					$	457,239
Loans to individuals:
Pass			$	19,375					$	28,934					$	17,699					$	7,958					$	2,476					$	1,619					$	2,734					$	80,795
Pass watch			—						—						—						—						—						—						—						—
Special mention			—						—						—						—						30						—						—						30
Substandard			—						—						—						24						42						7						1						74
Doubtful			—						—						—						—						—						5						—						5
Total loans to individuals			$	19,375					$	28,934					$	17,699					$	7,982					$	2,548					$	1,631					$	2,735					$	80,904
Total loans			$	766,596					$	1,133,377					$	462,100					$	318,197					$	159,299					$	737,912					$	385,560					$	3,963,041

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):

			June 30, 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			$	25					$	57					$	33					$	115					$	520,369					$	520,484
1-4 family residential			1,491						903						328						2,722						637,984						640,706
Commercial			760						—						154						914						1,833,820						1,834,734
Commercial loans			1,111						442						295						1,848						427,126						428,974
Municipal loans			—						—						—						—						457,239						457,239
Loans to individuals			151						10						—						161						80,743						80,904
Total			$	3,538					$	1,412					$	810					$	5,760					$	3,957,281					$	3,963,041

			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):

			June 30, 2022						December 31, 2021
Nonaccrual loans:
Real estate loans:
Construction			$	33					$	57
1-4 family residential			1,087						969
Commercial			796						668
Commercial loans			1,188						815
Loans to individuals			15						27
Total nonaccrual loans (1)			3,119						2,536
Accruing loans past due more than 90 days			—						—
TDR loans			8,568						9,073
OREO			128						—
Repossessed assets			—						—
Total nonperforming assets			$	11,815					$	11,609

(1)    Includes $1.1 million of TDR loans as of June 30, 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 June 30, 2022
			Extend Amortization  Period						Interest Rate Reductions						Combination						Total Modifications						Number of Loans
Real estate loans:
1-4 family residential			$	—					$	—					$	101					$	101					1
Commercial loans			—						—						21						21						1
Loans to individuals			—						—						6						6						1
Total			$	—					$	—					$	128					$	128					3

			Six Months Ended June 30, 2022
			Extend Amortization  Period						Interest Rate Reductions						Combination						Total Modifications						Number of Loans
Real estate loans:
1-4 family residential			$	—					$	—					$	309					$	309					4
Commercial loans			—						—						30						30						2
Loans to individuals			—						—						10						10						2
Total			$	—					$	—					$	349					$	349					8

			Three Months Ended June 30, 2021
			Extend Amortization  Period						Interest Rate Reductions						Combination						Total Modifications						Number of Loans
Commercial loans			$	—					$	—					$	106					$	106					2
Total			$	—					$	—					$	106					$	106					2

			Six Months Ended June 30, 2021
			Extend Amortization  Period						Interest Rate Reductions						Combination						Total Modifications						Number of Loans
Real estate loans:
1-4 family residential			$	—					$	—					$	128					$	128					2
Commercial loans			—						—						122						122						3
Total			$	—					$	—					$	250					$	250					5

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 June 30, 2022
			Real Estate
			Construction						1-4 Family Residential						Commercial						Commercial Loans						Municipal Loans						Loans to Individuals												Total
Balance at beginning of period			$	3,604					$	1,982					$	27,225					$	2,454					$	48					$	211											$	35,524
Loans charged-off			—						—						—						(46)						—						(433)												(479)
Recoveries of loans charged-off			1						53						34						114						—						314												516
Net loans (charged-off) recovered			1						53						34						68						—						(119)												37
Provision for (reversal of) loan losses			(206)						(11)						(38)						36						(2)						109												(112)
Balance at end of period			$	3,399					$	2,024					$	27,221					$	2,558					$	46					$	201											$	35,449

			Six Months Ended June 30, 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			—						—						—						(177)						—						(857)												(1,034)
Recoveries of loans charged-off			1						92						81						330						—						552												1,056
Net loans (charged-off) recovered			1						92						81						153						—						(305)												22
Provision for (reversal of) loan losses			(389)						66						160						8						(1)						310												154
Balance at end of period			$	3,399					$	2,024					$	27,221					$	2,558					$	46					$	201											$	35,449

			Three Months Ended June 30, 2021
			Real Estate
			Construction						1-4 Family Residential						Commercial						Commercial Loans						Municipal Loans						Loans to Individuals												Total
Balance at beginning of period			$	8,201					$	2,508					$	27,236					$	3,108					$	46					$	355											$	41,454
Loans charged-off			—						(28)						—						(116)						—						(383)												(527)
Recoveries of loans charged-off			—						12						1						179						—						274												466
Net loans (charged-off) recovered			—						(16)						1						63						—						(109)												(61)
Provision for (reversal of) loan losses			(183)						28						1,693						(74)						1						55												1,520
Balance at end of period			$	8,018					$	2,520					$	28,930					$	3,097					$	47					$	301											$	42,913

			Six Months Ended June 30, 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			—						(101)						—						(435)						—						(786)												(1,322)
Recoveries of loans charged-off			1						67						1						461						—						558												1,088
Net loans (charged-off) recovered			1						(34)						1						26						—						(228)												(234)
Provision for (reversal of) loan losses(1)			1,527						284						(6,780)						(1,036)						1						145												(5,859)
Balance at end of period			$	8,018					$	2,520					$	28,930					$	3,097					$	47					$	301											$	42,913

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