Loans and Allowance for Loan Losses

Schedule of past due aging analysis of the loan portfolio


	December 31, 2021
					90 Days
	Accruing		30 - 89 Days		or More				Total
(dollars in thousands)	Current		Past Due		Past Due		Nonaccrual		Loans
Commercial
Commercial and industrial	$	435,135	$	168	$	121	$	1,337	$	436,761
Real estate construction		40,619		—		—		—		40,619
Commercial real estate		598,264		—		—		629		598,893
Total commercial		1,074,018		168		121		1,966		1,076,273
Consumer
Residential real estate first mortgage		508,925		1,770		—		21		510,716
Residential real estate junior lien		125,412		167		—		89		125,668
Other revolving and installment		45,242		121		—		—		45,363
Total consumer		679,579		2,058		—		110		681,747
Total loans	$	1,753,597	$	2,226	$	121	$	2,076	$	1,758,020


	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

Summary of changes in allowances


	Year ended December 31, 2021
	Beginning		Provision for		Loan		Loan		Ending
(dollars in thousands)	Balance		Loan Losses		Charge-offs		Recoveries		Balance
Commercial
Commercial and industrial	$	10,205	$	(1,710)	$	(1,230)	$	1,660	$	8,925
Real estate construction		658		125		—		—		783
Commercial real estate		14,105		(2,015)		(536)		822		12,376
Total commercial		24,968		(3,600)		(1,766)		2,482		22,084
Consumer
Residential real estate first mortgage		5,774		758		—		—		6,532
Residential real estate junior lien		1,373		(201)		—		123		1,295
Other revolving and installment		753		(259)		(156)		143		481
Total consumer		7,900		298		(156)		266		8,308
Unallocated		1,378		(198)		—		—		1,180
Total	$	34,246	$	(3,500)	$	(1,922)	$	2,748	$	31,572


	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

Schedule of impaired loans


	December 31, 2021						December 31, 2020
	Recorded		Unpaid		Related		Recorded		Unpaid		Related
(dollars in thousands)	Investment		Principal		Allowance		Investment		Principal		Allowance
Impaired loans with a valuation allowance
Commercial and industrial	$	445	$	464	$	278	$	723	$	725	$	336
Commercial real estate		180		203		5		3,948		3,974		837
Residential real estate junior lien		—		—		—		19		20		19
Other revolving and installment		—		—		—		27		27		13
Total impaired loans with a valuation allowance		625		667		283		4,717		4,746		1,205
Impaired loans without a valuation allowance
Commercial and industrial		1,386		1,575		—		1,893		2,173		—
Commercial real estate		629		684		—		1,276		1,415		—
Residential real estate first mortgage		21		24		—		439		464		—
Residential real estate junior lien		91		120		—		205		306		—
Other revolving and installment		—		—		—		—		—		—
Total impaired loans without a valuation allowance		2,127		2,403		—		3,813		4,358		—
Total impaired loans
Commercial and industrial		1,831		2,039		278		2,616		2,898		336
Commercial real estate		809		887		5		5,224		5,389		837
Residential real estate first mortgage		21		24		—		439		464		—
Residential real estate junior lien		91		120		—		224		326		19
Other revolving and installment		—		—		—		27		27		13
Total impaired loans	$	2,752	$	3,070	$	283	$	8,530	$	9,104	$	1,205

The table below presents the average recorded investment in impaired loans and interest income for the three years ending December 31, 2021, 2020, and 2019:


	Year Ended December 31,
	2021				2020				2019
	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	$	517	$	13	$	765	$	14	$	839	$	16
Commercial real estate		187		7		3,972		138		5,891		—
Residential real estate junior lien		—		—		19		—		—		—
Other revolving and installment		—		—		28		—		20		—
Total impaired loans with a valuation allowance		704		20		4,784		152		6,750		16
Impaired loans without a valuation allowance
Commercial and industrial		1,988		20		4,151		25		2,434		30
Commercial real estate		672		—		1,614		—		212		8
Residential real estate first mortgage		23		—		461		—		230		—
Residential real estate junior lien		98		—		234		3		338		4
Other revolving and installment		1		—		—		—		3		—
Total impaired loans without a valuation allowance		2,782		20		6,460		28		3,217		42
Total impaired loans
Commercial and industrial		2,505		33		4,916		39		3,273		46
Commercial real estate		859		7		5,586		138		6,103		8
Residential real estate first mortgage		23		—		461		—		230		—
Residential real estate junior lien		98		—		253		3		338		4
Other revolving and installment		1		—		28		—		23		—
Total impaired loans	$	3,486	$	40	$	11,244	$	180	$	9,967	$	58