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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 12 Months Ended
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Dec. 31, 2022
Receivables [Abstract] |
Summary of Loan Portfolio, Excluding Residential Loans Held for Sale | The following table presents the loan portfolio by segment and class, excluding residential LHFS, at December 31, 2022 and 2021.
| 2022 |  | 2021
Commercial real estate: |  |  |
Owner-occupied | $ | 315,770 |  |  | $ | 238,668 |
Non-owner occupied | 608,043 |  |  | 551,783 |
Multi-family | 138,832 |  |  | 93,255 |
Non-owner occupied residential | 104,604 |  |  | 106,112 |
Acquisition and development: |  |  |
1-4 family residential construction | 25,068 |  |  | 12,279 |
Commercial and land development | 158,308 |  |  | 93,925 |
Commercial and industrial (1) | 357,774 |  |  | 485,728 |
Municipal | 12,173 |  |  | 14,989 |
Residential mortgage: |  |  |
First lien | 229,849 |  |  | 198,831 |
Home equity – term | 5,505 |  |  | 6,081 |
Home equity – lines of credit | 183,241 |  |  | 160,705 |
Installment and other loans | 12,065 |  |  | 17,630 |
Total loans | $ | 2,151,232 |  |  | $ | 1,979,986 |
(1) This balance includes $13.8 million and $189.9 million of SBA PPP loans, net of deferred fees and costs, at December 31, 2022 and 2021, respectively.
Summary of Ratings Based on Internal Risk Rating System | The following summarizes the Company’s loan portfolio ratings based on its internal risk rating system at December 31, 2022 and 2021:
| Pass |  | Special Mention |  | Non-Impaired Substandard |  | Impaired - Substandard |  | Doubtful |  | PCI Loans |  | Total
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 305,159 |  |  | $ | 2,109 |  |  | $ | 3,532 |  |  | $ | 2,767 |  |  | $ | — |  |  | $ | 2,203 |  |  | $ | 315,770 |
Non-owner occupied | 601,244 |  |  | 4,243 |  |  | 2,273 |  |  | — |  |  | — |  |  | 283 |  |  | 608,043 |
Multi-family | 130,851 |  |  | 7,739 |  |  | 242 |  |  | — |  |  | — |  |  | — |  |  | 138,832 |
Non-owner occupied residential | 102,674 |  |  | 810 |  |  | 482 |  |  | 81 |  |  | — |  |  | 557 |  |  | 104,604 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 25,068 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 25,068 |
Commercial and land development | 142,424 |  |  | 458 |  |  | — |  |  | 15,426 |  |  | — |  |  | — |  |  | 158,308 |
Commercial and industrial | 331,103 |  |  | 17,579 |  |  | 7,013 |  |  | 31 |  |  | — |  |  | 2,048 |  |  | 357,774 |
Municipal | 12,173 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12,173 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 222,849 |  |  | — |  |  | 215 |  |  | 2,520 |  |  | — |  |  | 4,265 |  |  | 229,849 |
Home equity – term | 5,485 |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | 15 |  |  | 5,505 |
Home equity – lines of credit | 182,801 |  |  | — |  |  | 45 |  |  | 395 |  |  | — |  |  | — |  |  | 183,241 |
Installment and other loans | 12,017 |  |  | — |  |  | — |  |  | 40 |  |  | — |  |  | 8 |  |  | 12,065 |
| $ | 2,073,848 |  |  | $ | 32,938 |  |  | $ | 13,802 |  |  | $ | 21,265 |  |  | $ | — |  |  | $ | 9,379 |  |  | $ | 2,151,232 |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 219,250 |  |  | $ | 7,239 |  |  | $ | 6,087 |  |  | $ | 3,763 |  |  | $ | — |  |  | $ | 2,329 |  |  | $ | 238,668 |
Non-owner occupied | 528,010 |  |  | 23,297 |  |  | 166 |  |  | — |  |  | — |  |  | 310 |  |  | 551,783 |
Multi-family | 84,414 |  |  | 8,238 |  |  | 603 |  |  | — |  |  | — |  |  | — |  |  | 93,255 |
Non-owner occupied residential | 102,588 |  |  | 1,065 |  |  | 1,153 |  |  | 122 |  |  | — |  |  | 1,184 |  |  | 106,112 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 12,279 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12,279 |
Commercial and land development | 92,049 |  |  | 1,385 |  |  | 491 |  |  | — |  |  | — |  |  | — |  |  | 93,925 |
Commercial and industrial | 470,579 |  |  | 7,917 |  |  | 4,720 |  |  | 250 |  |  | — |  |  | 2,262 |  |  | 485,728 |
Municipal | 14,989 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14,989 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 191,386 |  |  | — |  |  | 225 |  |  | 2,635 |  |  | — |  |  | 4,585 |  |  | 198,831 |
Home equity – term | 6,058 |  |  | — |  |  | — |  |  | 7 |  |  | — |  |  | 16 |  |  | 6,081 |
Home equity – lines of credit | 160,203 |  |  | 20 |  |  | 46 |  |  | 436 |  |  | — |  |  | — |  |  | 160,705 |
Installment and other loans | 17,584 |  |  | — |  |  | — |  |  | 40 |  |  | — |  |  | 6 |  |  | 17,630 |
| $ | 1,899,389 |  |  | $ | 49,161 |  |  | $ | 13,491 |  |  | $ | 7,253 |  |  | $ | — |  |  | $ | 10,692 |  |  | $ | 1,979,986 |
Summary of Impaired Loans by Class | The following table, which excludes accruing PCI loans, summarizes impaired loans by segment and class, segregated by those for which a specific allowance was required and those for which a specific allowance was not required at December 31, 2022 and 2021. The recorded investment in loans excludes accrued interest receivable due to insignificance. Related allowances established generally pertain to those loans in which loan forbearance agreements were in the process of being negotiated or updated appraisals were pending and any partial charge-off will be recorded when final information is received.
| Impaired Loans with a Specific Allowance |  | Impaired Loans with No Specific Allowance
| Recorded Investment (Book Balance) |  | Unpaid Principal Balance (Legal Balance) |  | Related Allowance |  | Recorded Investment (Book Balance) |  | Unpaid Principal Balance (Legal Balance)
December 31, 2022 |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |
Owner-occupied | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2,767 |  |  | $ | 3,799 |
Non-owner occupied residential | — |  |  | — |  |  | — |  |  | 81 |  |  | 207 |
Acquisition and development: |  |  |  |  |  |  |  |  |
Commercial and land development | — |  |  | — |  |  | — |  |  | 15,426 |  |  | 15,426 |
Commercial and industrial | — |  |  | — |  |  | — |  |  | 31 |  |  | 112 |
Residential mortgage: |  |  |  |  |  |  |  |  |
First lien | 178 |  |  | 178 |  |  | 28 |  |  | 2,342 |  |  | 3,126 |
Home equity—term | — |  |  | — |  |  | — |  |  | 5 |  |  | 8 |
Home equity—lines of credit | — |  |  | — |  |  | — |  |  | 395 |  |  | 684 |
Installment and other loans | — |  |  | — |  |  | — |  |  | 40 |  |  | 40 |
| $ | 178 |  |  | $ | 178 |  |  | $ | 28 |  |  | $ | 21,087 |  |  | $ | 23,402 |
December 31, 2021 |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |
Owner-occupied | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,763 |  |  | $ | 4,902 |
Non-owner occupied residential | — |  |  | — |  |  | — |  |  | 122 |  |  | 259 |
Commercial and industrial | — |  |  | — |  |  | — |  |  | 250 |  |  | 547 |
Residential mortgage: |  |  |  |  |  |  |  |  |
First lien | 341 |  |  | 341 |  |  | 28 |  |  | 2,294 |  |  | 3,337 |
Home equity—term | — |  |  | — |  |  | — |  |  | 7 |  |  | 10 |
Home equity—lines of credit | — |  |  | — |  |  | — |  |  | 436 |  |  | 653 |
Installment and other loans | — |  |  | — |  |  | — |  |  | 40 |  |  | 40 |
| $ | 341 |  |  | $ | 341 |  |  | $ | 28 |  |  | $ | 6,912 |  |  | $ | 9,748 |
Summary of Average Recorded Investment in Impaired Loans and Related Interest Income | The following table, which excludes accruing PCI loans, summarizes the average recorded investment in impaired loans and related recognized interest income for the years ended December 31, 2022, 2021 and 2020.
| 2022 |  | 2021 |  | 2020
| Average Impaired Balance |  | Interest Income Recognized |  | Average Impaired Balance |  | Interest Income Recognized |  | Average Impaired Balance |  | Interest Income Recognized
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 3,050 |  |  | $ | — |  |  | $ | 3,825 |  |  | $ | 1 |  |  | $ | 4,636 |  |  | $ | 1 |
Non-owner occupied | — |  |  | — |  |  | — |  |  | — |  |  | 83 |  |  | — |
Multi-family | — |  |  | — |  |  | — |  |  | — |  |  | 205 |  |  | — |
Non-owner occupied residential | 96 |  |  | — |  |  | 225 |  |  | — |  |  | 388 |  |  | — |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |
Commercial and land development | 1,187 |  |  | — |  |  | 187 |  |  | — |  |  | 641 |  |  | — |
Commercial and industrial | 109 |  |  | — |  |  | 3,030 |  |  | — |  |  | 1,196 |  |  | — |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |
First lien | 2,389 |  |  | 33 |  |  | 2,539 |  |  | 43 |  |  | 2,995 |  |  | 48 |
Home equity – term | 6 |  |  | — |  |  | 11 |  |  | — |  |  | 11 |  |  | — |
Home equity – lines of credit | 405 |  |  | — |  |  | 521 |  |  | — |  |  | 692 |  |  | 1 |
Installment and other loans | 44 |  |  | — |  |  | 25 |  |  | — |  |  | 25 |  |  | — |
| $ | 7,286 |  |  | $ | 33 |  |  | $ | 10,363 |  |  | $ | 44 |  |  | $ | 10,872 |  |  | $ | 50 |
Schedule of Impaired Loans that are TDRs | The following table presents impaired loans that are TDRs, with the recorded investment at December 31, 2022 and 2021.
| 2022 |  | 2021
| Number of Contracts |  | Recorded Investment |  | Number of Contracts |  | Recorded Investment
Accruing: |  |  |  |  |  |  |
Residential mortgage: |  |  |  |  |  |  |
First lien | 8 |  |  | 682 |  |  | 8 |  |  | 804 |
| 8 |  |  | 682 |  |  | 8 |  |  | 804 |
Nonaccruing: |  |  |  |  |  |  |
Residential mortgage: |  |  |  |  |  |  |
First lien | 4 |  |  | 212 |  |  | 5 |  |  | 285 |
Installment and other loans | 1 |  |  | 2 |  |  | — |  |  | — |
| 5 |  |  | 214 |  |  | 5 |  |  | 285 |
| 13 |  |  | $ | 896 |  |  | 13 |  |  | $ | 1,089 |
Schedule of Number of Loans Modified | The following table presents the number of loans modified as TDRs, and their pre-modification and post-modification investment balances for the year ended December 31, 2022. There were two new TDRs, both on non-accrual status for the year ended December 31, 2022. During 2022, one of the two new TDRs was paid off in full. There were no loans modified as TDRs during 2021 and 2020. The loan presented in the table below was considered a TDR as a result of the Company agreeing to a below market interest rate given the risk of the transaction and a term extension, in order to give the borrowers an opportunity to improve their cash flows. For new and accruing TDRs, impairment is generally assessed using a discounted cash flow analysis. For TDRs in default of their modified terms, impairment is generally determined on a collateral dependent approach.
| Number of Contracts |  | Pre- Modification Investment Balance |  | Post- Modification Investment Balance
December 31, 2022 |  |  |  |  |
Installment and other loans | 1 |  |  | $ | 5 |  |  | $ | 2 |
Schedule of Classes of Loan Portfolio Summarized by Aging Categories | The following table presents the classes of the loan portfolio summarized by aging categories of performing loans and nonaccrual loans at December 31, 2022 and 2021.
|  |  | Days Past Due |  |  |  |  |  |
| Current |  | 30-59 |  | 60-89 |  | 90+ (still accruing) |  | Total Past Due |  | Non- Accrual |  | Total Loans
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 310,769 |  |  | $ | 31 |  |  | $ | — |  |  | $ | — |  |  | $ | 31 |  |  | $ | 2,767 |  |  | $ | 313,567 |
Non-owner occupied | 607,760 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 607,760 |
Multi-family | 138,832 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 138,832 |
Non-owner occupied residential | 103,782 |  |  | 184 |  |  | — |  |  | — |  |  | 184 |  |  | 81 |  |  | 104,047 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 24,622 |  |  | 446 |  |  | — |  |  | — |  |  | 446 |  |  | — |  |  | 25,068 |
Commercial and land development | 142,613 |  |  | 269 |  |  | — |  |  | — |  |  | 269 |  |  | 15,426 |  |  | 158,308 |
Commercial and industrial | 355,179 |  |  | 464 |  |  | 52 |  |  | — |  |  | 516 |  |  | 31 |  |  | 355,726 |
Municipal | 12,173 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12,173 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 219,715 |  |  | 3,485 |  |  | 414 |  |  | 132 |  |  | 4,031 |  |  | 1,838 |  |  | 225,584 |
Home equity – term | 5,485 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | 5,490 |
Home equity – lines of credit | 181,350 |  |  | 1,395 |  |  | 101 |  |  | — |  |  | 1,496 |  |  | 395 |  |  | 183,241 |
Installment and other loans | 11,953 |  |  | 64 |  |  | — |  |  | — |  |  | 64 |  |  | 40 |  |  | 12,057 |
Subtotal | 2,114,233 |  |  | 6,338 |  |  | 567 |  |  | 132 |  |  | 7,037 |  |  | 20,583 |  |  | 2,141,853 |
Loans acquired with credit deterioration: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied | 2,203 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,203 |
Non-owner occupied | 283 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 283 |
Non-owner occupied residential | 452 |  |  | — |  |  | — |  |  | 105 |  |  | 105 |  |  | — |  |  | 557 |
Commercial and industrial | 2,048 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,048 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 3,657 |  |  | 327 |  |  | 79 |  |  | 202 |  |  | 608 |  |  | — |  |  | 4,265 |
Home equity – term | 15 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 15 |
Installment and other loans | 8 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8 |
Subtotal | 8,666 |  |  | 327 |  |  | 79 |  |  | 307 |  |  | 713 |  |  | — |  |  | 9,379 |
| $ | 2,122,899 |  |  | $ | 6,665 |  |  | $ | 646 |  |  | $ | 439 |  |  | $ | 7,750 |  |  | $ | 20,583 |  |  | $ | 2,151,232 |
|  |  | Days Past Due |  |  |  |  |  |
| Current |  | 30-59 |  | 60-89 |  | 90+ (still accruing) |  | Total Past Due |  | Non- Accrual |  | Total Loans
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied | $ | 231,371 |  |  | $ | 314 |  |  | $ | — |  |  | $ | 891 |  |  | $ | 1,205 |  |  | $ | 3,763 |  |  | $ | 236,339 |
Non-owner occupied | 551,473 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 551,473 |
Multi-family | 93,255 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 93,255 |
Non-owner occupied residential | 104,645 |  |  | 161 |  |  | — |  |  | — |  |  | 161 |  |  | 122 |  |  | 104,928 |
Acquisition and development: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential construction | 12,279 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 12,279 |
Commercial and land development | 93,793 |  |  | 132 |  |  | — |  |  | — |  |  | 132 |  |  | — |  |  | 93,925 |
Commercial and industrial | 483,088 |  |  | 128 |  |  | — |  |  | — |  |  | 128 |  |  | 250 |  |  | 483,466 |
Municipal | 14,989 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14,989 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 189,043 |  |  | 2,995 |  |  | 281 |  |  | 96 |  |  | 3,372 |  |  | 1,831 |  |  | 194,246 |
Home equity – term | 6,042 |  |  | 16 |  |  | — |  |  | — |  |  | 16 |  |  | 7 |  |  | 6,065 |
Home equity – lines of credit | 159,628 |  |  | 641 |  |  | — |  |  | — |  |  | 641 |  |  | 436 |  |  | 160,705 |
Installment and other loans | 17,467 |  |  | 109 |  |  | 8 |  |  | — |  |  | 117 |  |  | 40 |  |  | 17,624 |
Subtotal | 1,957,073 |  |  | 4,496 |  |  | 289 |  |  | 987 |  |  | 5,772 |  |  | 6,449 |  |  | 1,969,294 |
Loans acquired with credit deterioration: |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied | 2,329 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,329 |
Non-owner occupied | 310 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 310 |
Non-owner occupied residential | 479 |  |  | — |  |  | 587 |  |  | 118 |  |  | 705 |  |  | — |  |  | 1,184 |
Commercial and industrial | 2,262 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,262 |
Residential mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |
First lien | 3,937 |  |  | 387 |  |  | 166 |  |  | 95 |  |  | 648 |  |  | — |  |  | 4,585 |
Home equity – term | 15 |  |  | — |  |  | — |  |  | 1 |  |  | 1 |  |  | — |  |  | 16 |
Installment and other loans | 6 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6 |
Subtotal | 9,338 |  |  | 387 |  |  | 753 |  |  | 214 |  |  | 1,354 |  |  | — |  |  | 10,692 |
| $ | 1,966,411 |  |  | $ | 4,883 |  |  | $ | 1,042 |  |  | $ | 1,201 |  |  | $ | 7,126 |  |  | $ | 6,449 |  |  | $ | 1,979,986 |
Schedule of Activity in Allowance for Loan Losses | The following table presents activity in the ALL for the years ended December 31, 2022, 2021 and 2020.
| Commercial |  | Consumer |  |  |  |
| Commercial Real Estate |  | Acquisition and Development |  | Commercial and Industrial |  | Municipal |  | Total |  | Residential Mortgage |  | Installment and Other |  | Total |  | Unallocated |  | Total
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year | $ | 12,037 |  |  | $ | 2,062 |  |  | $ | 3,814 |  |  | $ | 30 |  |  | $ | 17,943 |  |  | $ | 2,785 |  |  | $ | 215 |  |  | $ | 3,000 |  |  | $ | 237 |  |  | $ | 21,180 |
Provision for loan losses | 1,489 |  |  | 1,142 |  |  | 640 |  |  | (6) |  |  | 3,265 |  |  | 669 |  |  | 218 |  |  | 887 |  |  | 8 |  |  | 4,160 |
Charge-offs | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (50) |  |  | (360) |  |  | (410) |  |  | — |  |  | (410) |
Recoveries | 32 |  |  | 10 |  |  | 51 |  |  | — |  |  | 93 |  |  | 40 |  |  | 115 |  |  | 155 |  |  | — |  |  | 248 |
Balance, end of year | $ | 13,558 |  |  | $ | 3,214 |  |  | $ | 4,505 |  |  | $ | 24 |  |  | $ | 21,301 |  |  | $ | 3,444 |  |  | $ | 188 |  |  | $ | 3,632 |  |  | $ | 245 |  |  | $ | 25,178 |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year | $ | 11,151 |  |  | $ | 1,114 |  |  | $ | 3,942 |  |  | $ | 40 |  |  | $ | 16,247 |  |  | $ | 3,362 |  |  | $ | 324 |  |  | $ | 3,686 |  |  | $ | 218 |  |  | $ | 20,151 |
Provision for loan losses | 710 |  |  | 938 |  |  | 23 |  |  | (10) |  |  | 1,661 |  |  | (517) |  |  | (73) |  |  | (590) |  |  | 19 |  |  | 1,090 |
Charge-offs | (293) |  |  | — |  |  | (663) |  |  | — |  |  | (956) |  |  | (92) |  |  | (70) |  |  | (162) |  |  | — |  |  | (1,118) |
Recoveries | 469 |  |  | 10 |  |  | 512 |  |  | — |  |  | 991 |  |  | 32 |  |  | 34 |  |  | 66 |  |  | — |  |  | 1,057 |
Balance, end of year | $ | 12,037 |  |  | $ | 2,062 |  |  | $ | 3,814 |  |  | $ | 30 |  |  | $ | 17,943 |  |  | $ | 2,785 |  |  | $ | 215 |  |  | $ | 3,000 |  |  | $ | 237 |  |  | $ | 21,180 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance, beginning of year | $ | 7,634 |  |  | $ | 959 |  |  | $ | 2,356 |  |  | $ | 100 |  |  | $ | 11,049 |  |  | $ | 3,147 |  |  | $ | 319 |  |  | $ | 3,466 |  |  | $ | 140 |  |  | $ | 14,655 |
Provision for loan losses | 2,745 |  |  | 146 |  |  | 2,096 |  |  | (60) |  |  | 4,927 |  |  | 203 |  |  | 117 |  |  | 320 |  |  | 78 |  |  | 5,325 |
Charge-offs | (3) |  |  | — |  |  | (748) |  |  | — |  |  | (751) |  |  | (114) |  |  | (146) |  |  | (260) |  |  | — |  |  | (1,011) |
Recoveries | 775 |  |  | 9 |  |  | 238 |  |  | — |  |  | 1,022 |  |  | 126 |  |  | 34 |  |  | 160 |  |  | — |  |  | 1,182 |
Balance, end of year | $ | 11,151 |  |  | $ | 1,114 |  |  | $ | 3,942 |  |  | $ | 40 |  |  | $ | 16,247 |  |  | $ | 3,362 |  |  | $ | 324 |  |  | $ | 3,686 |  |  | $ | 218 |  |  | $ | 20,151 |
Summary of Ending Loan Balance Individually Evaluated for Impairment | The following table summarizes the ending loan balances individually evaluated for impairment based upon loan segment, as well as the related ALL loss allocation for each at December 31, 2022 and 2021. Accruing PCI loans are excluded from loans individually evaluated for impairment.
| Commercial |  | Consumer |  |  |  |
| Commercial Real Estate |  | Acquisition and Development |  | Commercial and Industrial |  | Municipal |  | Total |  | Residential Mortgage |  | Installment and Other |  | Total |  | Unallocated |  | Total
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 2,848 |  |  | $ | 15,426 |  |  | $ | 31 |  |  | $ | — |  |  | $ | 18,305 |  |  | $ | 2,920 |  |  | $ | 40 |  |  | $ | 2,960 |  |  | $ | — |  |  | $ | 21,265 |
Collectively evaluated for impairment | 1,164,401 |  |  | 167,950 |  |  | 357,743 |  |  | 12,173 |  |  | 1,702,267 |  |  | 415,675 |  |  | 12,025 |  |  | 427,700 |  |  | — |  |  | 2,129,967 |
| $ | 1,167,249 |  |  | $ | 183,376 |  |  | $ | 357,774 |  |  | $ | 12,173 |  |  | $ | 1,720,572 |  |  | $ | 418,595 |  |  | $ | 12,065 |  |  | $ | 430,660 |  |  | $ | — |  |  | $ | 2,151,232 |
Allowance for loan losses allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 28 |  |  | $ | — |  |  | $ | 28 |  |  | $ | — |  |  | $ | 28 |
Collectively evaluated for impairment | 13,558 |  |  | 3,214 |  |  | 4,505 |  |  | 24 |  |  | 21,301 |  |  | 3,416 |  |  | 188 |  |  | 3,604 |  |  | 245 |  |  | 25,150 |
| $ | 13,558 |  |  | $ | 3,214 |  |  | $ | 4,505 |  |  | $ | 24 |  |  | $ | 21,301 |  |  | $ | 3,444 |  |  | $ | 188 |  |  | $ | 3,632 |  |  | $ | 245 |  |  | $ | 25,178 |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | 3,885 |  |  | $ | — |  |  | $ | 250 |  |  | $ | — |  |  | $ | 4,135 |  |  | $ | 3,078 |  |  | $ | 40 |  |  | $ | 3,118 |  |  | $ | — |  |  | $ | 7,253 |
Collectively evaluated for impairment | 985,933 |  |  | 106,204 |  |  | 485,478 |  |  | 14,989 |  |  | 1,592,604 |  |  | 362,539 |  |  | 17,590 |  |  | 380,129 |  |  | — |  |  | 1,972,733 |
| $ | 989,818 |  |  | $ | 106,204 |  |  | $ | 485,728 |  |  | $ | 14,989 |  |  | $ | 1,596,739 |  |  | $ | 365,617 |  |  | $ | 17,630 |  |  | $ | 383,247 |  |  | $ | — |  |  | $ | 1,979,986 |
Allowance for loan losses allocated by: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 28 |  |  | $ | — |  |  | $ | 28 |  |  | $ | — |  |  | $ | 28 |
Collectively evaluated for impairment | 12,037 |  |  | 2,062 |  |  | 3,814 |  |  | 30 |  |  | 17,943 |  |  | 2,757 |  |  | 215 |  |  | 2,972 |  |  | 237 |  |  | 21,152 |
| $ | 12,037 |  |  | $ | 2,062 |  |  | $ | 3,814 |  |  | $ | 30 |  |  | $ | 17,943 |  |  | $ | 2,785 |  |  | $ | 215 |  |  | $ | 3,000 |  |  | $ | 237 |  |  | $ | 21,180 |
Schedule of Activity for the Accretable Yield of Purchased Impaired Loans | The following table provides activity for the accretable yield of purchased impaired loans for the years ended December 31, 2022 and 2021.
| 2022 |  | 2021 |  |
Accretable yield, beginning of period | $ | 2,661 |  |  | $ | 3,438 |  |  |
Accretion of income | (949) |  |  | (1,093) |  |  |
Reclassifications from nonaccretable difference due to improvement in expected cash flows | 388 |  |  | 160 |  |  |
Other changes, net | 335 |  |  | 156 |  |  |
Accretable yield, end of period | $ | 2,435 |  |  | $ | 2,661 |  |  |

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