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Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2022
Receivables [Abstract] |
Schedule of loans, net of unamortized net deferred fees | Loans, net of unamortized net deferred fees, at March 31, 2022 and December 31, 2021 are summarized by type as follows:
|  | March 31, 2022 |  | December 31, 2021
(dollars in thousands, except amounts in the footnote) |  | Amount |  | % |  | Amount |  | %
Commercial |  | $ | 1,377,615 |  |  | 19 | % |  | $ | 1,354,317 |  |  | 19 | %
PPP loans |  | 35,744 |  |  | 1 | % |  | 51,105 |  |  | 1 | %
Income-producing - commercial real estate |  | 3,543,795 |  |  | 50 | % |  | 3,385,298 |  |  | 48 | %
Owner-occupied - commercial real estate |  | 1,104,982 |  |  | 15 | % |  | 1,087,776 |  |  | 15 | %
Real estate mortgage - residential |  | 72,238 |  |  | 1 | % |  | 73,966 |  |  | 1 | %
Construction - commercial and residential |  | 783,101 |  |  | 11 | % |  | 896,319 |  |  | 13 | %
Construction - C&I (owner-occupied) |  | 140,282 |  |  | 2 | % |  | 159,579 |  |  | 2 | %
Home equity |  | 54,804 |  |  | 1 | % |  | 55,811 |  |  | 1 | %
Other consumer |  | 1,246 |  |  | — |  |  | 1,427 |  |  | — |
Total loans |  | 7,113,807 |  |  | 100 | % |  | 7,065,598 |  |  | 100 | %
Less: allowance for credit losses |  | (71,505) |  |  |  |  | (74,965) |  |  |
Net loans (1) |  | $ | 7,042,302 |  |  |  |  | $ | 6,990,633 |  |  |
(1)Excludes accrued interest receivable of $36.9 million and $38.6 million at March 31, 2022 and December 31, 2021, respectively, which were recorded in other assets on the Consolidated Balance Sheets.
Schedule of detail activity in the allowance for credit losses by portfolio segment | The following tables detail activity in the allowance for credit losses by portfolio segment for the three months ended March 31, 2022 and 2021. PPP loans are excluded from these tables since they do not carry an allowance for credit loss, as these loans are fully guaranteed as to principal and interest by the SBA, whose guarantee is backed by the full faith and credit of the U.S. Government. Allocation of a portion of the allowance to one category of loans does not restrict the use of the allowance to absorb losses in other categories.
|  |  |  | Income-Producing - |  | Owner-Occupied - |  | Real Estate |  | Construction - |  |  |  |  |  |
|  |  |  | Commercial |  | Commercial |  | Mortgage - |  | Commercial and |  | Home |  | Other |  |
(dollars in thousands) |  | Commercial |  | Real Estate |  | Real Estate |  | Residential |  | Residential |  | Equity |  | Consumer |  | Total
Three Months Ended March 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 14,475 |  |  | $ | 38,287 |  |  | $ | 12,146 |  |  | $ | 449 |  |  | $ | 9,099 |  |  | $ | 474 |  |  | $ | 35 |  |  | $ | 74,965 |
Loans charged-off |  | (514) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | (514) |
Recoveries of loans previously charged-off |  | 54 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | 55 |
Net loans charged-off |  | (460) |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1 |  |  | (459) |
Provision for (reversal of) credit losses |  | (1,069) |  |  | 906 |  |  | (1,631) |  |  | (68) |  |  | (1,126) |  |  | (7) |  |  | (6) |  |  | (3,001) |
Ending balance |  | $ | 12,946 |  |  | $ | 39,193 |  |  | $ | 10,515 |  |  | $ | 381 |  |  | $ | 7,973 |  |  | $ | 467 |  |  | $ | 30 |  |  | $ | 71,505 |
Three Months Ended March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balance at beginning of period |  | $ | 26,569 |  |  | $ | 55,385 |  |  | $ | 14,000 |  |  | $ | 1,020 |  |  | $ | 11,529 |  |  | $ | 1,039 |  |  | $ | 37 |  |  | $ | 109,579 |
Loans charged-off |  | (4,150) |  |  | (1,000) |  |  | — |  |  | — |  |  | (206) |  |  | — |  |  | (1) |  |  | (5,357) |
Recoveries of loans previously charged-off |  | 96 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 13 |  |  | 109 |
Net loans (charged-off) recovered |  | (4,054) |  |  | (1,000) |  |  | — |  |  | — |  |  | (206) |  |  | — |  |  | 12 |  |  | (5,248) |
Provision for (reversal of) credit losses |  | 1,186 |  |  | (2,875) |  |  | 315 |  |  | (101) |  |  | (640) |  |  | (132) |  |  | (14) |  |  | (2,261) |
Ending balance |  | 23,701 |  |  | 51,510 |  |  | 14,315 |  |  | 919 |  |  | 10,683 |  |  | 907 |  |  | 35 |  |  | 102,070 |
Schedule of amortized cost basis of collateral-dependent loans by class of loans | The following table presents the amortized cost basis of collateral-dependent loans by class of loans as of March 31, 2022 and December 31, 2021:
|  | March 31, 2022 |  | December 31, 2021
(dollars in thousands) |  | Business/Other Assets |  | Real Estate |  | Business/Other Assets |  | Real Estate
Commercial |  | $ | 2,222 |  |  | $ | 6,784 |  |  | $ | 3,098 |  |  | $ | 6,821 |
PPP loans |  | 106 |  |  | — |  |  | 1,365 |  |  | — |
Income-producing - commercial real estate |  | 3,120 |  |  | 19,316 |  |  | 3,193 |  |  | 19,378 |
Owner-occupied - commercial real estate |  | — |  |  | 33 |  |  | — |  |  | 42 |
Real estate mortgage - residential |  | — |  |  | 1,698 |  |  | — |  |  | 1,779 |
Construction - commercial and residential |  | — |  |  | — |  |  | — |  |  | 3,093 |
Home equity |  | — |  |  | 365 |  |  | — |  |  | 366 |
Total |  | $ | 5,448 |  |  | $ | 28,196 |  |  | $ | 7,656 |  |  | $ | 31,479 |
Schedule of the risk category of loans by class of loans | Based on the most recent analysis performed, amortized cost basis of loans by risk category, class and year of origination are as follows:
March 31, 2022 (dollars in thousands) |  | Prior |  | 2018 |  | 2019 |  | 2020 |  | 2021 |  | 2022 |  | Revolving Loans Amort. Cost Basis |  | Revolving Loans Convert. to Term |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 219,550 |  |  | 98,054 |  |  | 86,957 |  |  | 76,823 |  |  | 243,084 |  |  | 14,286 |  |  | 573,964 |  |  | 216 |  |  | 1,312,934 |  |
Watch |  | 12,922 |  |  | 1,964 |  |  | 297 |  |  | 4,167 |  |  | 2,903 |  |  | — |  |  | 22,753 |  |  | — |  |  | 45,006 |  |
Special Mention |  | 9,074 |  |  | 351 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 662 |  |  | — |  |  | 10,087 |  |
Substandard |  | 1,415 |  |  | 418 |  |  | 421 |  |  | — |  |  | — |  |  | — |  |  | 7,334 |  |  | — |  |  | 9,588 |  |
Total |  | 242,961 |  |  | 100,787 |  |  | 87,675 |  |  | 80,990 |  |  | 245,987 |  |  | 14,286 |  |  | 604,713 |  |  | 216 |  |  | 1,377,615 |  |
PPP loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | — |  |  | — |  |  | — |  |  | 6,587 |  |  | 29,051 |  |  | — |  |  | — |  |  | — |  |  | 35,638 |  |
Substandard |  | — |  |  | — |  |  | — |  |  | 106 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 106 |  |
Total |  | — |  |  | — |  |  | — |  |  | 6,693 |  |  | 29,051 |  |  | — |  |  | — |  |  | — |  |  | 35,744 |  |
Income producing - commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 988,558 |  |  | 465,207 |  |  | 530,134 |  |  | 317,332 |  |  | 550,262 |  |  | 67,095 |  |  | 190,847 |  |  | 369 |  |  | 3,109,804 |  |
Watch |  | 123,945 |  |  | — |  |  | — |  |  | 35,320 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 159,265 |  |
Special Mention |  | 101,260 |  |  | 46,887 |  |  | 4,250 |  |  | — |  |  | — |  |  | — |  |  | 47,686 |  |  | — |  |  | 200,083 |  |
Substandard |  | 65,981 |  |  | 3,120 |  |  | 5,542 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 74,643 |  |
Total |  | 1,279,744 |  |  | 515,214 |  |  | 539,926 |  |  | 352,652 |  |  | 550,262 |  |  | 67,095 |  |  | 238,533 |  |  | 369 |  |  | 3,543,795 |  |
Owner occupied - commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 479,223 |  |  | 228,705 |  |  | 81,347 |  |  | 42,715 |  |  | 188,852 |  |  | 6,453 |  |  | 2,341 |  |  | — |  |  | 1,029,636 |  |
Watch |  | 23,557 |  |  | 11,708 |  |  | 6,789 |  |  | — |  |  | — |  |  | — |  |  | 13,571 |  |  | — |  |  | 55,625 |  |
Substandard |  | 19,721 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 19,721 |  |
Total |  | 522,501 |  |  | 240,413 |  |  | 88,136 |  |  | 42,715 |  |  | 188,852 |  |  | 6,453 |  |  | 15,912 |  |  | — |  |  | 1,104,982 |  |
Real estate mortgage - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 20,520 |  |  | 12,856 |  |  | 13,038 |  |  | 3,421 |  |  | 16,438 |  |  | 1,208 |  |  | — |  |  | — |  |  | 67,481 |  |
Watch |  | 3,059 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,059 |  |
Substandard |  | 1,698 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,698 |  |
Total |  | 25,277 |  |  | 12,856 |  |  | 13,038 |  |  | 3,421 |  |  | 16,438 |  |  | 1,208 |  |  | — |  |  | — |  |  | 72,238 |  |
Construction - commercial and residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 57,078 |  |  | 112,990 |  |  | 86,863 |  |  | 180,491 |  |  | 98,376 |  |  | 73,655 |  |  | 129,231 |  |  | — |  |  | 738,684 |  |
Watch |  | 44,417 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 44,417 |  |
Total |  | 101,495 |  |  | 112,990 |  |  | 86,863 |  |  | 180,491 |  |  | 98,376 |  |  | 73,655 |  |  | 129,231 |  |  | — |  |  | 783,101 |  |
Construction - C&I (owner occupied) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 14,219 |  |  | 7,391 |  |  | 44,884 |  |  | 62,084 |  |  | 779 |  |  | — |  |  | 6,612 |  |  | — |  |  | 135,969 |  |
Watch |  | 1,059 |  |  | 3,254 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 4,313 |  |
Total |  | 15,278 |  |  | 10,645 |  |  | 44,884 |  |  | 62,084 |  |  | 779 |  |  | — |  |  | 6,612 |  |  | — |  |  | 140,282 |  |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 2,081 |  |  | — |  |  | — |  |  | 101 |  |  | 547 |  |  | — |  |  | 50,011 |  |  | 1,597 |  |  | 54,337 |  |
Watch |  | 58 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 58 |  |
Substandard |  | 308 |  |  | — |  |  | 44 |  |  | — |  |  | — |  |  | — |  |  | 57 |  |  | — |  |  | 409 |  |
Total |  | 2,447 |  |  | — |  |  | 44 |  |  | 101 |  |  | 547 |  |  | — |  |  | 50,068 |  |  | 1,597 |  |  | 54,804 |  |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 338 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 853 |  |  | — |  |  | 1,191 |  |
Watch |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 50 |  |  | — |  |  | 50 |  |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 5 |  |  | — |  |  | 5 |  |
Total |  | 338 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 908 |  |  | — |  |  | 1,246 |  |
Total Recorded Investment |  | $ | 2,190,041 |  |  | $ | 992,905 |  |  | $ | 860,566 |  |  | $ | 729,147 |  |  | $ | 1,130,292 |  |  | $ | 162,697 |  |  | $ | 1,045,977 |  |  | $ | 2,182 |  |  | 7,113,807 |  |
December 31, 2021 (dollars in thousands) |  | Prior |  | 2017 |  | 2018 |  | 2019 |  | 2020 |  | 2021 |  | Revolving Loans Amort. Cost Basis |  | Revolving Loans Convert. to Term |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 180,877 |  |  | $ | 58,693 |  |  | $ | 103,058 |  |  | $ | 90,874 |  |  | $ | 87,515 |  |  | $ | 211,563 |  |  | $ | 549,055 |  |  | $ | 6,023 |  |  | $ | 1,287,658 |  |
Watch |  | 5,896 |  |  | 6,567 |  |  | 1,020 |  |  | 996 |  |  | 4,268 |  |  | 3,137 |  |  | 18,336 |  |  | 627 |  |  | 40,847 |  |
Special Mention |  | — |  |  | 9,515 |  |  | 363 |  |  | — |  |  | — |  |  | — |  |  | 901 |  |  | — |  |  | 10,779 |  |
Substandard |  | 4,205 |  |  | 778 |  |  | 1,850 |  |  | 437 |  |  | — |  |  | — |  |  | 7,763 |  |  | — |  |  | 15,033 |  |
Total |  | 190,978 |  |  | 75,553 |  |  | 106,291 |  |  | 92,307 |  |  | 91,783 |  |  | 214,700 |  |  | 576,055 |  |  | 6,650 |  |  | 1,354,317 |  |
PPP loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | — |  |  | — |  |  | — |  |  | — |  |  | 16,840 |  |  | 32,900 |  |  | — |  |  | — |  |  | 49,740 |  |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,365 |  |  | — |  |  | — |  |  | — |  |  | 1,365 |  |
Total |  | — |  |  | — |  |  | — |  |  | — |  |  | 18,205 |  |  | 32,900 |  |  | — |  |  | — |  |  | 51,105 |  |
Income producing - commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 572,550 |  |  | 333,394 |  |  | 418,489 |  |  | 495,808 |  |  | 337,178 |  |  | 549,356 |  |  | 198,210 |  |  | — |  |  | 2,904,985 |  |
Watch |  | 58,334 |  |  | 73,760 |  |  | — |  |  | 43,561 |  |  | 35,094 |  |  | — |  |  | — |  |  | — |  |  | 210,749 |  |
Special Mention |  | 101,580 |  |  | — |  |  | 41,936 |  |  | 4,264 |  |  | — |  |  | — |  |  | 47,692 |  |  | — |  |  | 195,472 |  |
Substandard |  | 60,059 |  |  | — |  |  | 8,491 |  |  | 5,542 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 74,092 |  |
Total |  | 792,523 |  |  | 407,154 |  |  | 468,916 |  |  | 549,175 |  |  | 372,272 |  |  | 549,356 |  |  | 245,902 |  |  | — |  |  | 3,385,298 |  |
Owner occupied - commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 353,471 |  |  | 127,687 |  |  | 210,348 |  |  | 81,604 |  |  | 41,135 |  |  | 184,529 |  |  | 16,838 |  |  | 1,922 |  |  | 1,017,534 |  |
Watch |  | 22,710 |  |  | 4,581 |  |  | 11,783 |  |  | 7,026 |  |  | — |  |  | — |  |  | 62 |  |  | — |  |  | 46,162 |  |
Special Mention |  | — |  |  | — |  |  | — |  |  | 2,122 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,122 |  |
Substandard |  | 21,958 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 21,958 |  |
Total |  | 398,139 |  |  | 132,268 |  |  | 222,131 |  |  | 90,752 |  |  | 41,135 |  |  | 184,529 |  |  | 16,900 |  |  | 1,922 |  |  | 1,087,776 |  |
Real estate mortgage - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 14,645 |  |  | 5,854 |  |  | 12,956 |  |  | 15,546 |  |  | 3,436 |  |  | 16,495 |  |  | — |  | — |  | — |  |  | 68,932 |  |
Watch |  | 3,255 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  | — |  |  | 3,255 |  |
Substandard |  | 1,698 |  |  | — |  |  | — |  |  | 81 |  |  | — |  |  | — |  |  | — |  | — |  | — |  |  | 1,779 |  |
Total |  | 19,598 |  |  | 5,854 |  |  | 12,956 |  |  | 15,627 |  |  | 3,436 |  |  | 16,495 |  |  | — |  |  | — |  |  | 73,966 |  |
Construction - commercial and residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 32,815 |  |  | 139,756 |  |  | 171,152 |  |  | 142,599 |  |  | 160,952 |  |  | 71,799 |  |  | 127,956 |  | — |  | 1,773 |  |  | 848,802 |  |
Watch |  | 506 |  |  | 43,918 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  | — |  |  | 44,424 |  |
Substandard |  | — |  |  | — |  |  | — |  |  | 3,093 |  |  | — |  |  | — |  |  | — |  | — |  | — |  |  | 3,093 |  |
Total |  | 33,321 |  |  | 183,674 |  |  | 171,152 |  |  | 145,692 |  |  | 160,952 |  |  | 71,799 |  |  | 127,956 |  |  | 1,773 |  |  | 896,319 |  |
Construction - C&I (owner occupied) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 19,710 |  |  | 1,754 |  |  | 25,163 |  |  | 39,803 |  |  | 61,408 |  |  | 768 |  |  | 6,648 |  | — |  | — |  |  | 155,254 |  |
Watch |  | 680 |  |  | 390 |  |  | 3,255 |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  | — |  |  | 4,325 |  |
Total |  | 20,390 |  |  | 2,144 |  |  | 28,418 |  |  | 39,803 |  |  | 61,408 |  |  | 768 |  |  | 6,648 |  |  | — |  |  | 159,579 |  |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,474 |  |  | — |  |  | — |  |  | — |  |  | 70 |  |  | 702 |  |  | 52,077 |  | — |  | 883 |  |  | 55,206 |  |
Watch |  | 193 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  | — |  | — |  |  | 193 |  |
Substandard |  | 46 |  |  | — |  |  | — |  |  | 45 |  |  | — |  |  | — |  |  | 58 |  | — |  | 263 |  |  | 412 |  |
Total |  | 1,713 |  |  | — |  |  | — |  |  | 45 |  |  | 70 |  |  | 702 |  |  | 52,135 |  |  | 1,146 |  |  | 55,811 |  |
Other consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 370 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,002 |  | — |  | — |  |  | 1,372 |  |
Substandard |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 55 |  | — |  | — |  |  | 55 |  |
Total |  | 370 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,057 |  |  | — |  |  | 1,427 |  |
Total Recorded Investment |  | $ | 1,457,032 |  |  | $ | 806,647 |  |  | $ | 1,009,864 |  |  | $ | 933,401 |  |  | $ | 749,261 |  |  | $ | 1,071,249 |  |  | $ | 1,026,653 |  |  | $ | 11,491 |  |  | $ | 7,065,598 |  |
Schedule by class of loan, an aging analysis and the recorded investments in loans past due | The table presents, by class of loan, an aging analysis and the recorded investments in loans past due as of March 31, 2022 and December 31, 2021:
|  | Loans |  | Loans |  | Loans |  |  |  |  |  |  |  | Total Recorded
|  | 30-59 Days |  | 60-89 Days |  | 90 Days or |  | Total Past |  | Current |  | Nonaccrual |  | Investment in
(dollars in thousands) |  | Past Due |  | Past Due |  | More Past Due |  | Due Loans |  | Loans |  | Loans |  | Loans
March 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 2,368 |  |  | $ | 853 |  |  | $ | — |  |  | $ | 3,221 |  |  | $ | 1,366,403 |  |  | $ | 7,991 |  |  | $ | 1,377,615 |
PPP loans |  | 2,462 |  |  | 544 |  |  | — |  |  | 3,006 |  |  | 32,632 |  |  | 106 |  |  | 35,744 |
Income producing - commercial real estate |  | 8,540 |  |  | — |  |  | — |  |  | 8,540 |  |  | 3,521,924 |  |  | 13,331 |  |  | 3,543,795 |
Owner occupied - commercial real estate |  | 136 |  |  | — |  |  | — |  |  | 136 |  |  | 1,104,813 |  |  | 33 |  |  | 1,104,982 |
Real estate mortgage - residential |  | 1,572 |  |  | — |  |  | — |  |  | 1,572 |  |  | 68,740 |  |  | 1,926 |  |  | 72,238 |
Construction - commercial and residential |  | — |  |  | — |  |  | — |  |  | — |  |  | 783,101 |  |  | — |  |  | 783,101 |
Construction - C&I (owner occupied) |  | 2,310 |  |  | — |  |  | — |  |  | 2,310 |  |  | 137,972 |  |  | — |  |  | 140,282 |
Home equity |  | — |  |  | — |  |  | — |  |  | — |  |  | 54,439 |  |  | 365 |  |  | 54,804 |
Other consumer |  | 3 |  |  | — |  |  | — |  |  | 3 |  |  | 1,243 |  |  | — |  |  | 1,246 |
Total |  | $ | 17,391 |  |  | $ | 1,397 |  |  | $ | — |  |  | $ | 18,788 |  |  | $ | 7,071,267 |  |  | $ | 23,752 |  |  | $ | 7,113,807 |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,462 |  |  | $ | 672 |  |  | $ | — |  |  | $ | 2,134 |  |  | $ | 1,343,307 |  |  | $ | 8,876 |  |  | $ | 1,354,317 |
PPP loans |  | 1,765 |  |  | 825 |  |  | — |  |  | 2,590 |  |  | 47,150 |  |  | 1,365 |  |  | 51,105 |
Income producing - commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 3,371,842 |  |  | 13,456 |  |  | 3,385,298 |
Owner occupied - commercial real estate |  | 419 |  |  | 19,108 |  |  | — |  |  | 19,527 |  |  | 1,068,207 |  |  | 42 |  |  | 1,087,776 |
Real estate mortgage – residential |  | 1,372 |  |  | — |  |  | — |  |  | 1,372 |  |  | 70,584 |  |  | 2,010 |  |  | 73,966 |
Construction - commercial and residential |  | — |  |  | — |  |  | — |  |  | — |  |  | 893,226 |  |  | 3,093 |  |  | 896,319 |
Construction- C&I (owner occupied) |  | — |  |  | — |  |  | — |  |  | — |  |  | 159,579 |  |  | — |  |  | 159,579 |
Home equity |  | 33 |  |  | 187 |  |  | — |  |  | 220 |  |  | 55,225 |  |  | 366 |  |  | 55,811 |
Other consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | 1,427 |  |  | — |  |  | 1,427 |
Total |  | $ | 5,051 |  |  | $ | 20,792 |  |  | $ | — |  |  | $ | 25,843 |  |  | $ | 7,010,547 |  |  | $ | 29,208 |  |  | $ | 7,065,598 |
Schedule of information related to nonaccrual loans by class | The following presents the nonaccrual loans as of March 31, 2022 and December 31, 2021:
|  | Nonaccrual with |  | Nonaccrual with |  | Total
|  | No Allowance |  | an Allowance |  | Nonaccrual
(dollars in thousands) |  | for Credit Loss |  | for Credit Loss |  | Loans
March 31, 2022 |  |  |  |  |  |
Commercial |  | $ | 5,546 |  |  | $ | 2,445 |  |  | $ | 7,991 |
PPP loans (1) |  | 106 |  |  | — |  |  | 106 |
Income producing - commercial real estate |  | 3,869 |  |  | 9,462 |  |  | 13,331 |
Owner occupied - commercial real estate |  | 33 |  |  | — |  |  | 33 |
Real estate mortgage - residential |  | 1,698 |  |  | 228 |  |  | 1,926 |
Home equity |  | 365 |  |  | — |  |  | 365 |
Total (1)(2) |  | $ | 11,617 |  |  | $ | 12,135 |  |  | $ | 23,752 |
December 31, 2021 |  |  |  |  |  |
Commercial |  | $ | 5,806 |  |  | $ | 3,070 |  |  | $ | 8,876 |
PPP loans (1) |  | 1,365 |  |  | — |  |  | 1,365 |
Income producing - commercial real estate |  | 3,920 |  |  | 9,536 |  |  | 13,456 |
Owner occupied - commercial real estate |  | 42 |  |  | — |  |  | 42 |
Real estate mortgage - residential |  | 1,779 |  |  | 231 |  |  | 2,010 |
Construction - commercial and residential |  | 3,093 |  |  | — |  |  | 3,093 |
Home equity |  | 366 |  |  | — |  |  | 366 |
Total (1)(2) |  | $ | 16,371 |  |  | $ | 12,837 |  |  | $ | 29,208 |
(1)The CARES Act created the PPP, a program designed to aid small- and medium-sized businesses through federally guaranteed loans distributed through banks. These loans are intended to guarantee payroll and other costs to help those businesses remain viable and allow their workers to pay their bills. (2)Excludes TDRs that were performing under their restructured terms totaling $10.1 million and $10.2 million at March 31, 2022 and December 31, 2021, respectively. (3)Gross interest income of $325 thousand and approximately $800 thousand would have been recorded for the three months ended March 31, 2022 and 2021, respectively, if nonaccrual loans shown above had been current and in accordance with their original terms, while no interest income was actually recorded on such loans for the three months ended March 31, 2022 and 2021 respectively. See Note 1 to the Consolidated Financial Statements for a description of the Company's policy for placing loans on nonaccrual status.
Schedule of loans modified in troubled debt restructurings | The following table presents by class, the recorded investment of loans modified in TDRs held by the Company for the three months ended March 31, 2022 and 2021.
|  |  |  |  |  | Income |  |  |  |  |  |
|  | Number |  |  |  | Producing - |  |  |  |  |  |
|  | of |  |  |  | Commercial |  |  |  |  |  |
(dollars in thousands) |  | Loans |  | Commercial |  | Real Estate |  |  |  |  |  | Total
Three Months Ended March 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |
Troubled debt restructurings |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  | 5 |  |  | $ | 1,016 |  |  | $ | 9,105 |  |  |  |  |  |  | $ | 10,121 |
Restructured nonaccruing |  | 2 |  |  | — |  |  | 6,342 |  |  |  |  |  |  | 6,342 |
Total |  | 7 |  |  | $ | 1,016 |  |  | $ | 15,447 |  |  |  |  |  |  | $ | 16,463 |
Individually-evaluated allowance |  |  |  | $ | 170 |  |  | $ | 2,285 |  |  |  |  |  |  | $ | 2,455 |
Restructured and subsequently defaulted |  |  |  | $ | — |  |  | $ | 6,342 |  |  |  |  |  |  | $ | 6,342 |
Three Months Ended March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |
Troubled debt restructurings |  |  |  |  |  |  |  |  |  |  |  |
Restructured accruing |  | 5 |  |  | $ | 1,157 |  |  | $ | 9,171 |  |  |  |  |  |  | $ | 10,328 |
Restructured nonaccruing |  | 3 |  |  | 101 |  |  | 6,342 |  |  |  |  |  |  | 6,443 |
Total |  | 8 |  |  | $ | 1,258 |  |  | $ | 15,513 |  |  |  |  |  |  | $ | 16,771 |
Individually-evaluated allowance |  |  |  | $ | 547 |  |  | $ | 2,976 |  |  |  |  |  |  | $ | 3,523 |
Restructured and subsequently defaulted |  |  |  | $ | 101 |  |  | $ | 6,342 |  |  |  |  |  |  | $ | 6,443 |

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