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Loans (Tables)
3 Months Ended
Mar. 31, 2021
Receivables [Abstract]  
Loan Portfolio Segments and Classes
The table below identifies the Company’s loan portfolio segments and classes.
Portfolio SegmentClass of Financing Receivable
CommercialOwner occupied real estate
Non-owner occupied real estate
Residential spec homes
Development & spec land
Commercial and industrial
Real estateResidential mortgage
Residential construction
Mortgage warehouseMortgage warehouse
ConsumerDirect installment
Indirect installment
Home equity
Loans Outstanding by Portfolio Class
The following table presents total loans outstanding by portfolio class, as of March 31, 2021:

March 31,
2021
December 31,
2020
Commercial
Owner occupied real estate$482,687 $496,306 
Non–owner occupied real estate998,304 999,636 
Residential spec homes10,131 10,070 
Development & spec land26,384 26,372 
Commercial and industrial660,352 659,887 
Total commercial2,177,858 2,192,271 
Real estate
Residential mortgage558,374 598,700 
Residential construction23,555 25,586 
Mortgage warehouse266,246 395,626 
Total real estate848,175 1,019,912 
Consumer
Direct installment35,622 38,046 
Indirect installment352,189 357,511 
Home equity250,592 259,643 
Total consumer638,403 655,200 
Total loans3,664,436 3,867,383 
Allowance for credit losses(57,186)(57,027)
Net loans$3,607,250 $3,810,356 
Non-accrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans
The following table presents non–accrual loans, loans past due over 90 days still on accrual, and troubled debt restructurings (“TDRs”) by class of loans:

March 31, 2021
Non–accrualLoans Past
Due Over 90
Days Still
Accruing
Non–performing
TDRs
Performing
TDRs
Total
Non–performing
Loans
Non–accrual
with no Allowance for Credit Losses
Commercial
Owner occupied real estate$9,945 $— $603 $— $10,548 $5,441 
Non–owner occupied real estate225 — 316 — 541 541 
Residential spec homes— — — — — — 
Development & spec land70 — — — 70 70 
Commercial and industrial1,585 — 58 — 1,643 1,294 
Total commercial11,825 — 977 — 12,802 7,346 
Real estate
Residential mortgage5,427 71 940 1,478 7,916 7,797 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate5,427 71 940 1,478 7,916 7,797 
Consumer
Direct installment26 — — 34 34 
Indirect installment853 34 — — 887 887 
Home equity2,587 136 354 350 3,427 3,427 
Total consumer3,448 196 354 350 4,348 4,348 
Total$20,700 $267 $2,271 $1,828 $25,066 $19,491 
December 31, 2020
Non–accrualLoans Past
Due Over 90
Days Still
Accruing
Non–performing
TDRs
Performing
TDRs
Total
Non–performing
Loans
Non–accrual
with no Allowance for Credit Losses
Commercial
Owner occupied real estate$10,581 $— $630 $168 $11,379 $6,305 
Non–owner occupied real estate237 — 330 — 567 567 
Residential spec homes— — — — — — 
Development & spec land70 — — — 70 70 
Commercial and industrial1,826 — 506 — 2,332 1,847 
Total commercial12,714 — 1,466 168 14,348 8,789 
Real estate
Residential mortgage5,674 17 922 1,381 7,994 7,097 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate5,674 17 922 1,381 7,994 7,097 
Consumer
Direct installment12 — — 13 13 
Indirect installment1,174 120 — — 1,294 1,294 
Home equity2,568 124 222 244 3,158 2,628 
Total consumer3,754 245 222 244 4,465 3,935 
Total$22,142 $262 $2,610 $1,793 $26,807 $19,821 
Payment Status by Class of Loan
The following table presents the payment status by class of loan, excluding non–accrual loans of $20.7 million and non–performing TDRs of $2.3 million at March 31, 2021:

March 31, 2021
Current30–59 Days
Past Due
60–89 Days
Past Due
90 Days or
Greater
Past Due
Total 
Past Due
Loans
Total
Loans
Commercial
Owner occupied real estate$471,589 $550 $— $— $550 $472,139 
Non–owner occupied real estate996,904 859 — — 859 997,763 
Residential spec homes10,131 — — — — 10,131 
Development & spec land25,564 750 — — 750 26,314 
Commercial and industrial658,555 105 49 — 154 658,709 
Total commercial2,162,743 2,264 49 — 2,313 2,165,056 
Real estate
Residential mortgage550,699 431 806 71 1,308 552,007 
Residential construction23,555 — — — — 23,555 
Mortgage warehouse266,246 — — — — 266,246 
Total real estate840,500 431 806 71 1,308 841,808 
Consumer
Direct installment35,481 99 26 133 35,614 
Indirect installment350,692 547 63 34 644 351,336 
Home equity246,683 543 289 136 968 247,651 
Total consumer632,856 1,189 360 196 1,745 634,601 
Total$3,636,099 $3,884 $1,215 $267 $5,366 $3,641,465 
Percentage of total loans99.85 %0.11 %0.03 %0.01 %0.15 %100.00 %
The following table presents the payment status by class of loan, excluding non–accrual loans of $22.1 million and non–performing TDRs of $2.6 million at December 31, 2020:
December 31, 2020
Current30–59 Days
Past Due
60–89 Days
Past Due
90 Days or
Greater
Past Due
Total 
Past Due
Loans
Total
Commercial
Owner occupied real estate$484,282 $683 $130 $— $813 $485,095 
Non–owner occupied real estate997,816 599 654 — 1,253 999,069 
Residential spec homes10,070 — — — — 10,070 
Development & spec land25,552 — 750 — 750 26,302 
Commercial and industrial657,027 249 279 — 528 657,555 
Total commercial2,174,747 1,531 1,813 — 3,344 2,178,091 
Real estate
Residential mortgage590,944 905 238 17 1,160 592,104 
Residential construction25,586 — — — — 25,586 
Mortgage warehouse395,626 — — — — 395,626 
Total real estate1,012,156 905 238 17 1,160 1,013,316 
Consumer
Direct installment37,965 69 — — 69 38,034 
Indirect installment354,655 1,356 206 120 1,682 356,337 
Home equity255,908 554 266 125 945 256,853 
Total consumer648,528 1,979 472 245 2,696 651,224 
Total$3,835,431 $4,415 $2,523 $262 $7,200 $3,842,631 
Percentage of total loans99.81 %0.11 %0.07 %0.01 %0.19 %100.00 %
Schedule of TDRs by Loan Portfolio
The following table presents TDRs by class of loan:
March 31, 2021December 31, 2020
Non–accrualAccruingTotalNon–accrualAccruingTotal
Commercial
Owner occupied real estate$603 $— $603 $630 $168 $798 
Non–owner occupied real estate316 — 316 330 — 330 
Residential spec homes— — — — — — 
Development & spec land— — — — — — 
Commercial and industrial58 — 58 506 — 506 
Total commercial977 — 977 1,466 168 1,634 
Real estate
Residential mortgage940 1,478 2,418 922 1,381 2,303 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate940 1,478 2,418 922 1,381 2,303 
Consumer
Direct installment— — — — — — 
Indirect installment— — — — — — 
Home equity354 350 704 222 244 466 
Total consumer354 350 704 222 244 466 
Total$2,271 $1,828 $4,099 $2,610 $1,793 $4,403 
Allowance for Credit Loss Allocated for Collateral Dependent Loans
The table below presents the amortized cost basis and allowance for credit losses (“ACL”) allocated for collateral dependent loans in accordance with ASC 326, which are individually evaluated to determine expected credit losses.
March 31, 2021
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$10,404 $145 $— $10,549 $1,600 
Non–owner occupied real estate541 — — 541 — 
Residential spec homes— — — — — 
Development & spec land70 — — 70 — 
Commercial and industrial— 1,643 — 1,643 195 
Total commercial11,015 1,788 — 12,803 1,795 
Total collateral dependent loans$11,015 $1,788 $— $12,803 $1,795 

December 31, 2020
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$11,309 $114 $— $11,423 $1,605 
Non–owner occupied real estate1,032 — — 1,032 — 
Residential spec homes— — — — — 
Development & spec land70 — — 70 — 
Commercial and industrial2,245 210 — 2,455 252 
Total commercial14,656 324 — 14,980 1,857 
Total collateral dependent loans$14,656 $324 $— $14,980 $1,857 
Loans by Credit Grades
The following tables present loans by credit grades and origination year at March 31, 2021.
March 31, 202120212020201920182017PriorRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$9,140 $58,133 $66,526 $50,807 $44,193 $166,293 $39,369 $434,461 
Special Mention— — 1,053 1,226 9,358 12,043 — 23,680 
Substandard— 1,016 1,020 3,919 2,484 12,306 3,801 24,546 
Doubtful— — — — — — — — 
Total owner occupied real estate$9,140 $59,149 $68,599 $55,952 $56,035 $190,642 $43,170 $482,687 
Non–owner occupied real estate
Pass$30,379 $112,865 $108,782 $72,116 $130,971 $296,725 $163,134 $914,972 
Special Mention— 857 1,225 29,458 1,285 15,270 4,022 52,117 
Substandard— — 16,883 1,158 99 10,769 2,306 31,215 
Doubtful— — — — — — — — 
Total non–owner occupied real estate$30,379 $113,722 $126,890 $102,732 $132,355 $322,764 $169,462 $998,304 
Residential spec homes
Pass$500 $335 $628 $— $— $1,360 $7,308 $10,131 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total residential spec homes$500 $335 $628 $ $ $1,360 $7,308 $10,131 
Development & spec land
Pass$42 $569 $724 $1,480 $2,193 $12,613 $7,051 $24,672 
Special Mention— — — — — — — — 
Substandard— — — 478 — 484 750 1,712 
Doubtful— — — — — — — — 
Total development & spec land$42 $569 $724 $1,958 $2,193 $13,097 $7,801 $26,384 
Commercial & industrial
Pass$136,320 $175,946 $58,700 $57,056 $83,191 $80,196 $30,175 $621,584 
Special Mention2,478 4,317 1,029 987 7,191 4,935 1,096 22,033 
Substandard2,245 1,835 2,564 3,724 1,474 2,390 2,503 16,735 
Doubtful— — — — — — — — 
Total commercial & industrial$141,043 $182,098 $62,293 $61,767 $91,856 $87,521 $33,774 $660,352 
Total commercial$181,104 $355,873 $259,134 $222,409 $282,439 $615,384 $261,515 $2,177,858 
March 31, 202120212020201920182017PriorRevolving LoansTotal
Real estate
Residential mortgage
Performing$19,705 $109,655 $56,914 $71,948 $80,572 $211,664 $— $550,458 
Non–performing— — 378 635 38 6,865 — 7,916 
Total residential mortgage$19,705 $109,655 $57,292 $72,583 $80,610 $218,529 $ $558,374 
Residential construction
Performing$— $— $— $— $— $— $23,555 $23,555 
Non–performing— — — — — — — — 
Total residential construction$ $ $ $ $ $ $23,555 $23,555 
Mortgage warehouse
Performing$— $— $— $— $— $— $266,246 $266,246 
Non–performing— — — — — — — — 
Total mortgage warehouse$ $ $ $ $ $ $266,246 $266,246 
Total real estate$19,705 $109,655 $57,292 $72,583 $80,610 $218,529 $289,801 $848,175 

March 31, 202120212020201920182017PriorRevolving LoansTotal
Consumer
Direct installment
Performing$2,906 $10,729 $8,407 $5,033 $4,871 $3,575 $67 $35,588 
Non–performing— 26 — — — 34 
Total direct installment$2,906 $10,755 $8,407 $5,033 $4,875 $3,579 $67 $35,622 
Indirect installment
Performing$33,036 $125,035 $87,287 $64,394 $30,973 $10,577 $— $351,302 
Non–performing— 70 164 257 227 169 — 887 
Total indirect installment$33,036 $125,105 $87,451 $64,651 $31,200 $10,746 $ $352,189 
Home equity
Performing$11,184 $62,319 $39,276 $30,598 $24,791 $73,747 $5,250 $247,165 
Non–performing— — 17 159 73 1,389 1,789 3,427 
Total home equity$11,184 $62,319 $39,293 $30,757 $24,864 $75,136 $7,039 $250,592 
Total consumer$47,126 $198,179 $135,151 $100,441 $60,939 $89,461 $7,106 $638,403 
The following tables present loans by credit grades and origination year at December 31, 2020.
December 31, 202020202019201820172016PriorRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$57,726 $65,558 $49,455 $49,032 $47,480 $127,373 $40,027 $436,651 
Special Mention— 1,081 5,928 10,205 4,207 12,787 325 34,533 
Substandard1,021 1,231 4,012 2,504 2,839 9,673 3,842 25,122 
Doubtful— — — — — — — — 
Total owner occupied real estate$58,747 $67,870 $59,395 $61,741 $54,526 $149,833 $44,194 $496,306 
Non–owner occupied real estate
Pass$115,667 $120,023 $73,669 $133,396 $99,674 $208,649 $166,986 $918,064 
Special Mention862 1,236 28,723 1,298 2,548 13,182 4,072 51,921 
Substandard— 15,552 1,477 107 6,422 4,521 1,572 29,651 
Doubtful— — — — — — — — 
Total non–owner occupied real estate$116,529 $136,811 $103,869 $134,801 $108,644 $226,352 $172,630 $999,636 
Residential spec homes
Pass$737 $237 $— $298 $368 $1,177 $7,253 $10,070 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total residential spec homes$737 $237 $ $298 $368 $1,177 $7,253 $10,070 
Development & spec land
Pass$573 $736 $1,522 $2,461 $672 $11,971 $6,907 $24,842 
Special Mention— — — — — 274 — 274 
Substandard— — — — — 506 750 1,256 
Doubtful— — — — — — — — 
Total development & spec land$573 $736 $1,522 $2,461 $672 $12,751 $7,657 $26,372 
Commercial & industrial
Pass$253,953 $63,772 $58,978 $88,121 $26,044 $70,706 $30,845 $592,419 
Special Mention8,779 1,164 1,088 9,306 1,835 11,870 3,040 37,082 
Substandard4,233 7,079 11,072 1,660 636 3,322 2,384 30,386 
Doubtful— — — — — — — — 
Total commercial & industrial$266,965 $72,015 $71,138 $99,087 $28,515 $85,898 $36,269 $659,887 
Total commercial$443,551 $277,669 $235,924 $298,388 $192,725 $476,011 $268,003 $2,192,271 
December 31, 202020202019201820172016PriorRevolving LoansTotal
Real estate
Residential mortgage
Performing$109,487 $68,556 $86,572 $89,051 $65,718 $171,322 $— $590,706 
Non–performing— 296 636 39 300 6,723 — 7,994 
Total residential mortgage$109,487 $68,852 $87,208 $89,090 $66,018 $178,045 $ $598,700 
Residential construction
Performing$— $— $— $— $— $— $25,586 $25,586 
Non–performing— — — — — — — — 
Total residential construction$ $ $ $ $ $ $25,586 $25,586 
Mortgage warehouse
Performing$— $— $— $— $— $— $395,626 $395,626 
Non–performing— — — — — — — — 
Total mortgage warehouse$ $ $ $ $ $ $395,626 $395,626 
Total real estate$109,487 $68,852 $87,208 $89,090 $66,018 $178,045 $421,212 $1,019,912 

December 31, 202020202019201820172016PriorRevolving LoansTotal
Consumer
Direct installment
Performing$12,552 $9,552 $5,828 $5,946 $2,124 $2,019 $12 $38,033 
Non–performing— — — — 13 
Total direct installment$12,552 $9,552 $5,828 $5,951 $2,127 $2,024 $12 $38,046 
Indirect installment
Performing$134,394 $97,408 $74,215 $36,763 $8,636 $4,801 $— $356,217 
Non–performing84 223 392 361 80 154 — 1,294 
Total indirect installment$134,478 $97,631 $74,607 $37,124 $8,716 $4,955 $ $357,511 
Home equity
Performing$63,946 $42,762 $34,807 $27,553 $22,450 $59,503 $5,464 $256,485 
Non–performing— 111 74 121 1,237 1,606 3,158 
Total home equity$63,946 $42,771 $34,918 $27,627 $22,571 $60,740 $7,070 $259,643 
Total consumer$210,976 $149,954 $115,353 $70,702 $33,414 $67,719 $7,082 $655,200