Loans and Allowance for Loan Losses

Schedule of past due aging analysis of the loan portfolio


	December 31, 2020
					90 Days
	Accruing		30 - 89 Days		or More				Total
(dollars in thousands)	Current		Past Due		Past Due		Nonaccrual		Loans
Commercial
Commercial and industrial	$	689,340	$	500	$	30	$	1,988	$	691,858
Real estate construction		44,451		—		—		—		44,451
Commercial real estate		558,127		2,449		—		2,431		563,007
Total commercial		1,291,918		2,949		30		4,419		1,299,316
Consumer
Residential real estate first mortgage		461,179		1,752		—		439		463,370
Residential real estate junior lien		143,060		191		—		165		143,416
Other revolving and installment		73,128		118		—		27		73,273
Total consumer		677,367		2,061		—		631		680,059
Total loans	$	1,969,285	$	5,010	$	30	$	5,050	$	1,979,375


	December 31, 2019
					90 Days
	Accruing		30 - 89 Days		or More				Total
(dollars in thousands)	Current		Past Due		Past Due		Nonaccrual		Loans
Commercial
Commercial and industrial	$	473,900	$	382	$	—	$	4,862	$	479,144
Real estate construction		26,251		127		—		—		26,378
Commercial real estate		492,707		556		—		1,440		494,703
Total commercial		992,858		1,065		—		6,302		1,000,225
Consumer
Residential real estate first mortgage		455,244		666		448		797		457,155
Residential real estate junior lien		176,915		184		—		274		177,373
Other revolving and installment		86,172		348		—		6		86,526
Total consumer		718,331		1,198		448		1,077		721,054
Total loans	$	1,711,189	$	2,263	$	448	$	7,379	$	1,721,279

Summary of changes in allowances


	Year ended December 31, 2020
	Beginning		Provision for		Loan		Loan		Ending
(dollars in thousands)	Balance		Loan Losses		Charge-offs		Recoveries		Balance
Commercial
Commercial and industrial	$	12,270	$	(2,168)	$	(4,249)	$	4,352	$	10,205
Real estate construction		303		355		—		—		658
Commercial real estate		6,688		8,185		(865)		97		14,105
Total commercial		19,261		6,372		(5,114)		4,449		24,968
Consumer
Residential real estate first mortgage		1,448		4,321		—		5		5,774
Residential real estate junior lien		671		507		(12)		207		1,373
Other revolving and installment		352		514		(242)		129		753
Total consumer		2,471		5,342		(254)		341		7,900
Unallocated		2,192		(814)		—		—		1,378
Total	$	23,924	$	10,900	$	(5,368)	$	4,790	$	34,246


	Year ended December 31, 2019
	Beginning		Provision for		Loan		Loan		Ending
(dollars in thousands)	Balance		Loan Losses		Charge-offs		Recoveries		Balance
Commercial
Commercial and industrial	$	12,127	$	5,213	$	(6,540)	$	1,470	$	12,270
Real estate construction		250		51		(1)		3		303
Commercial real estate		6,279		259		—		150		6,688
Total commercial		18,656		5,523		(6,541)		1,623		19,261
Consumer
Residential real estate first mortgage		1,156		292		—		—		1,448
Residential real estate junior lien		805		99		(465)		232		671
Other revolving and installment		380		383		(572)		161		352
Total consumer		2,341		774		(1,037)		393		2,471
Unallocated		1,177		1,015		—		—		2,192
Total	$	22,174	$	7,312	$	(7,578)	$	2,016	$	23,924


	Year ended December 31, 2018
	Beginning		Provision for		Loan		Loan		Ending
(dollars in thousands)	Balance		Loan Losses		Charge-offs		Recoveries		Balance
Commercial
Commercial and industrial	$	7,589	$	6,911	$	(3,123)	$	750	$	12,127
Real estate construction		343		(35)		(60)		2		250
Commercial real estate		4,909		1,889		(600)		81		6,279
Total commercial		12,841		8,765		(3,783)		833		18,656
Consumer
Residential real estate first mortgage		1,411		(226)		(29)		—		1,156
Residential real estate junior lien		902		(171)		(133)		207		805
Other revolving and installment		499		(24)		(308)		213		380
Total consumer		2,812		(421)		(470)		420		2,341
Unallocated		911		266		—		—		1,177
Total	$	16,564	$	8,610	$	(4,253)	$	1,253	$	22,174

Schedule of impaired loans


	December 31, 2020						December 31, 2019
	Recorded		Unpaid		Related		Recorded		Unpaid		Related
(dollars in thousands)	Investment		Principal		Allowance		Investment		Principal		Allowance
Impaired loans with a valuation allowance
Commercial and industrial	$	723	$	725	$	336	$	639	$	727	$	189
Commercial real estate		3,948		3,974		837		5,718		5,823		2,946
Residential real estate junior lien		19		20		19		—		—		—
Other revolving and installment		27		27		13		5		6		3
Total impaired loans with a valuation allowance		4,717		4,746		1,205		6,362		6,556		3,138
Impaired loans without a valuation allowance
Commercial and industrial		1,893		2,173		—		337		1,110		—
Commercial real estate		1,276		1,415		—		207		236		—
Residential real estate first mortgage		439		464		—		782		797		—
Residential real estate junior lien		205		306		—		266		372		—
Other revolving and installment		—		—		—		—		—		—
Total impaired loans without a valuation allowance		3,813		4,358		—		1,592		2,515		—
Total impaired loans
Commercial and industrial		2,616		2,898		336		976		1,837		189
Commercial real estate		5,224		5,389		837		5,925		6,059		2,946
Residential real estate first mortgage		439		464		—		782		797		—
Residential real estate junior lien		224		326		19		266		372		—
Other revolving and installment		27		27		13		5		6		3
Total impaired loans	$	8,530	$	9,104	$	1,205	$	7,954	$	9,071	$	3,138

The table below presents the average recorded investment in impaired loans and interest income for the three years ending December 31, 2020, 2019, and 2018:


	Year Ended December 31,
	2020				2019				2018
	Average				Average				Average
	Recorded		Interest		Recorded		Interest		Recorded		Interest
(dollars in thousands)	Investment		Income		Investment		Income		Investment		Income
Impaired loans with a valuation allowance
Commercial and industrial	$	765	$	14	$	839	$	16	$	3,163	$	—
Commercial real estate		3,972		138		5,891		—		1,558		—
Residential real estate junior lien		19		—		—		—		4		—
Other revolving and installment		28		—		20		—		28		—
Total impaired loans with a valuation allowance		4,784		152		6,750		16		4,753		—
Impaired loans without a valuation allowance
Commercial and industrial		4,151		25		2,434		30		1,595		35
Real estate construction		—		—		—		—		—		—
Commercial real estate		1,614		—		212		8		223		9
Residential real estate first mortgage		461		—		230		—		533		—
Residential real estate junior lien		234		3		338		4		718		6
Other revolving and installment		—		—		3		—		3		—
Total impaired loans without a valuation allowance		6,460		28		3,217		42		3,072		50
Total impaired loans
Commercial and industrial		4,916		39		3,273		46		4,758		35
Real estate construction		—		—		—		—		—		—
Commercial real estate		5,586		138		6,103		8		1,781		9
Residential real estate first mortgage		461		—		230		—		533		—
Residential real estate junior lien		253		3		338		4		722		6
Other revolving and installment		28		—		23		—		31		—
Total impaired loans	$	11,244	$	180	$	9,967	$	58	$	7,825	$	50