v3.22.0.1

Portfolio Loans Receivable (Tables) | 12 Months Ended
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Dec. 31, 2021
Receivables [Abstract] |
Schedule of Loans Receivable | Major categories of portfolio loans are as follows:
|  | December 31,
(in thousands) |  | 2021 |  | 2020
Real estate: |  |  |  |
Residential |  | $ | 401,607 |  |  | $ | 437,860 |
Commercial |  | 556,339 |  |  | 392,550 |
Construction |  | 255,147 |  |  | 224,904 |
Commercial |  | 175,956 |  |  | 157,127 |
Credit card, net of reserve |  | 141,120 |  |  | 102,186 |
Other consumer |  | 1,033 |  |  | 1,649 |
|  | 1,531,202 |  |  | 1,316,276 |
Deferred origination fees, net |  | (7,220) |  |  | (774) |
Allowance for loan losses |  | (25,181) |  |  | (23,434) |
Portfolio loans receivable, net |  | $ | 1,498,801 |  |  | $ | 1,292,068 |
Schedule Of Activity In Accretable Discounts On Loans Acquired | The activity in the accretable discounts on loans acquired was as follows:
|  | December 31,
(in thousands) |  | 2021 |  | 2020
Accretable discount at beginning of period |  | $ | 221 |  |  | $ | 429 |
Accretion and payoff of loans |  | (55) |  |  | (208) |
Accretable discount at end of period |  | $ | 166 |  |  | $ | 221 |
Schedule of Allowance for Credit Losses on Loans Receivables | The following tables present, by class and reserving methodology, the allocation of the allowance for loan losses and the gross investment in loans as of December 31, 2021 and 2020.
(in thousands) |  |  |  | Provision for Loan Losses |  |  |  |  |  |  |  | Allowance for Loan Losses Ending Balance Evaluated for Impairment: |  | Outstanding Loan Balances Evaluated for Impairment:
December 31, 2021 |  | Beginning Balance |  |  | Charge-Offs |  | Recoveries |  | Ending Balance |  | Individually |  | Collectively |  | Individually |  | Collectively
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 7,153 |  |  | $ | (1,541) |  |  | $ | — |  |  | $ | — |  |  | $ | 5,612 |  |  | $ | — |  |  | $ | 5,612 |  |  | $ | 2,835 |  |  | $ | 398,772 |
Commercial |  | 6,786 |  |  | 1,941 |  |  | (161) |  |  | — |  |  | 8,566 |  |  | — |  |  | 8,566 |  |  | 25 |  |  | 556,314 |
Construction |  | 4,595 |  |  | 103 |  |  | — |  |  | 1 |  |  | 4,699 |  |  | — |  |  | 4,699 |  |  | 7,803 |  |  | 247,344 |
Commercial |  | 2,417 |  |  | 253 |  |  | (39) |  |  | 6 |  |  | 2,637 |  |  | 218 |  |  | 2,419 |  |  | 676 |  |  | 175,280 |
Credit card (1) |  | 2,462 |  |  | 2,612 |  |  | (1,454) |  |  | 35 |  |  | 3,655 |  |  | — |  |  | 3,655 |  |  | — |  |  | 141,120 |
Other consumer |  | 21 |  |  | (9) |  |  | — |  |  | — |  |  | 12 |  |  | — |  |  | 12 |  |  | — |  |  | 1,033 |
|  | $ | 23,434 |  |  | $ | 3,359 |  |  | $ | (1,654) |  |  | $ | 42 |  |  | $ | 25,181 |  |  | $ | 218 |  |  | $ | 24,963 |  |  | $ | 11,339 |  |  | $ | 1,519,863 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 4,135 |  |  | $ | 3,018 |  |  | $ | — |  |  | $ | — |  |  | $ | 7,153 |  |  | $ | — |  |  | $ | 7,153 |  |  | $ | 4,687 |  |  | $ | 433,173 |
Commercial |  | 3,572 |  |  | 3,214 |  |  | — |  |  | — |  |  | 6,786 |  |  | — |  |  | 6,786 |  |  | 2,358 |  |  | 390,192 |
Construction |  | 2,668 |  |  | 2,216 |  |  | (296) |  |  | 7 |  |  | 4,595 |  |  | — |  |  | 4,595 |  |  | 1,736 |  |  | 223,168 |
Commercial |  | 1,548 |  |  | 1,102 |  |  | (233) |  |  | — |  |  | 2,417 |  |  | 253 |  |  | 2,164 |  |  | 1,182 |  |  | 155,945 |
Credit card (1) |  | 1,368 |  |  | 1,681 |  |  | (637) |  |  | 50 |  |  | 2,462 |  |  | — |  |  | 2,462 |  |  | — |  |  | 102,186 |
Other consumer |  | 10 |  |  | 11 |  |  | — |  |  | — |  |  | 21 |  |  | — |  |  | 21 |  |  | — |  |  | 1,649 |
|  | $ | 13,301 |  |  | $ | 11,242 |  |  | $ | (1,166) |  |  | $ | 57 |  |  | $ | 23,434 |  |  | $ | 253 |  |  | $ | 23,181 |  |  | $ | 9,963 |  |  | $ | 1,306,313 |
_______________ (1) Credit cards loans are collectively evaluated by past due status and as such are not individually risk rated.
Schedule of Past Due Loans Receivables | Past due portfolio loans, segregated by delinquency and class of loans, as of December 31, 2021 and 2020 were as follows:
|  | Loans 30-89 Days Past Due |  | Loans 90 or More Days Past Due |  | Total Past Due Loans |  | Current Loans |  | Total Loans |  | Accruing Loans 90 or More days Past Due |  | Nonaccrual Loans
(in thousands) |  |  |  |  |  |  |
December 31, 2021 |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 469 |  |  | $ | 2,494 |  |  | $ | 2,963 |  |  | $ | 398,644 |  |  | $ | 401,607 |  |  | $ | 72 |  |  | $ | 2,835 |
Commercial |  | 367 |  |  | 25 |  |  | 392 |  |  | 555,947 |  |  | 556,339 |  |  | — |  |  | 25 |
Construction |  | — |  |  | 7,803 |  |  | 7,803 |  |  | 247,344 |  |  | 255,147 |  |  | — |  |  | 7,803 |
Commercial |  | 183 |  |  | 593 |  |  | 776 |  |  | 175,180 |  |  | 175,956 |  |  | — |  |  | 676 |
Credit card |  | 19,022 |  |  | 10 |  |  | 19,032 |  |  | 122,088 |  |  | 141,120 |  |  | 10 |  |  | — |
Other consumer |  | — |  |  | — |  |  | — |  |  | 1,033 |  |  | 1,033 |  |  | — |  |  | — |
|  | $ | 20,041 |  |  | $ | 10,925 |  |  | $ | 30,966 |  |  | $ | 1,500,236 |  |  | $ | 1,531,202 |  |  | $ | 82 |  |  | $ | 11,339 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 1,029 |  |  | $ | 3,539 |  |  | $ | 4,568 |  |  | $ | 433,292 |  |  | $ | 437,860 |  |  | $ | — |  |  | $ | 3,581 |
Commercial |  | 36 |  |  | 2,583 |  |  | 2,619 |  |  | 389,931 |  |  | 392,550 |  |  | 225 |  |  | 2,358 |
Construction |  | 1,444 |  |  | 442 |  |  | 1,886 |  |  | 223,018 |  |  | 224,904 |  |  | — |  |  | 1,886 |
Commercial |  | 486 |  |  | 741 |  |  | 1,227 |  |  | 155,900 |  |  | 157,127 |  |  | — |  |  | 1,182 |
Credit card |  | 13,811 |  |  | 6 |  |  | 13,817 |  |  | 88,369 |  |  | 102,186 |  |  | 6 |  |  | — |
Other consumer |  | — |  |  | — |  |  | — |  |  | 1,649 |  |  | 1,649 |  |  | — |  |  | — |
|  | $ | 16,806 |  |  | $ | 7,311 |  |  | $ | 24,117 |  |  | $ | 1,292,159 |  |  | $ | 1,316,276 |  |  | $ | 231 |  |  | $ | 9,007 |
Schedule of Impaired Loans Receivables | Impaired loans also include acquired loans for which management has recorded a nonaccretable discount. Impaired loans as of December 31, 2021 and 2020 were as follows:
|  | Unpaid Contractual Principal Balance |  | Recorded Investment with no Allowance |  | Recorded Investment with Allowance |  | Total Recorded Investment |  | Related Allowance |  | Average Recorded Investment |  | Interest Recognized
(in thousands) |  |  |  |  |  |  |
December 31, 2021 |  |  |  |  |  |  |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 3,022 |  |  | $ | 2,835 |  |  | $ | — |  |  | $ | 2,835 |  |  | $ | — |  |  | $ | 4,578 |  |  | $ | 345 |
Commercial |  | 90 |  |  | 25 |  |  | — |  |  | 25 |  |  | — |  |  | 90 |  |  | 82 |
Construction |  | 7,885 |  |  | 7,803 |  |  | — |  |  | 7,803 |  |  | — |  |  | 9,746 |  |  | 209 |
Commercial |  | 832 |  |  | 340 |  |  | 336 |  |  | 676 |  |  | 218 |  |  | 1,056 |  |  | 282 |
|  | $ | 11,829 |  |  | $ | 11,003 |  |  | $ | 336 |  |  | $ | 11,339 |  |  | $ | 218 |  |  | $ | 15,470 |  |  | $ | 918 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential |  | $ | 3,960 |  |  | $ | 3,726 |  |  | $ | — |  |  | $ | 3,726 |  |  | $ | — |  |  | $ | 3,982 |  |  | $ | 136 |
Commercial |  | 2,490 |  |  | 2,358 |  |  | — |  |  | 2,358 |  |  | — |  |  | 2,519 |  |  | 46 |
Construction |  | 1,996 |  |  | 1,886 |  |  | — |  |  | 1,886 |  |  | — |  |  | 1,809 |  |  | 15 |
Commercial |  | 1,344 |  |  | 791 |  |  | 391 |  |  | 1,182 |  |  | 253 |  |  | 1,826 |  |  | 58 |
|  | $ | 9,790 |  |  | $ | 8,761 |  |  | $ | 391 |  |  | $ | 9,152 |  |  | $ | 253 |  |  | $ | 10,136 |  |  | $ | 255 |
Schedule of Loans Receivables Credit Quality Indicators | The following table presents the balances of classified loans based on the risk grade. The Company grades all credit cards loans as Pass. Classified loans include Special Mention, Substandard, and Doubtful loans:
(in thousands) | Pass(1) |  | Special Mention |  | Substandard |  | Doubtful |  | Total
December 31, 2021 |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |
Residential | $ | 394,488 |  |  | $ | 2,540 |  |  | $ | 4,579 |  |  | $ | — |  |  | $ | 401,607 |
Commercial | 548,244 |  |  | 8,070 |  |  | 25 |  |  | — |  |  | 556,339 |
Construction | 243,848 |  |  | 3,496 |  |  | 7,803 |  |  | — |  |  | 255,147 |
Commercial | 164,066 |  |  | 10,417 |  |  | 1,473 |  |  | — |  |  | 175,956 |
Credit card | 141,120 |  |  | — |  |  | — |  |  | — |  |  | 141,120 |
Other consumer | 1,033 |  |  | — |  |  | — |  |  | — |  |  | 1,033 |
Total | $ | 1,492,799 |  |  | $ | 24,523 |  |  | $ | 13,880 |  |  | $ | — |  |  | $ | 1,531,202 |
December 31, 2020 |  |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |  |
Residential | $ | 428,260 |  |  | $ | 5,150 |  |  | $ | 4,450 |  |  | $ | — |  |  | $ | 437,860 |
Commercial | 383,311 |  |  | 6,881 |  |  | 2,358 |  |  | — |  |  | 392,550 |
Construction | 220,057 |  |  | 1,112 |  |  | 3,735 |  |  | — |  |  | 224,904 |
Commercial | 145,365 |  |  | 9,766 |  |  | 1,996 |  |  | — |  |  | 157,127 |
Credit card | 102,186 |  |  | — |  |  | — |  |  | — |  |  | 102,186 |
Other consumer | 1,649 |  |  | — |  |  | — |  |  | — |  |  | 1,649 |
Total | $ | 1,280,828 |  |  | $ | 22,909 |  |  | $ | 12,539 |  |  | $ | — |  |  | $ | 1,316,276 |
________________________ (1) Pass includes loans graded exceptional, very good, good, satisfactory and pass/watch, in addition to credit card loans which are not individually graded.
Schedule of Troubled Debt Restructurings on Loans Receivables | The status of TDRs is as follows:
|  | Number of Contracts |  | Recorded Investment
(dollars in thousands) |  |  | Performing |  | Nonperforming |  | Total
December 31, 2021 |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |
Residential |  | 4 |  |  | $ | — |  |  | $ | 450 |  |  | $ | 450 |
Commercial |  | 1 |  |  | — |  |  | 83 |  |  | 83 |
Total |  | 5 |  |  | $ | — |  |  | $ | 533 |  |  | $ | 533 |
December 31, 2020 |  |  |  |  |  |  |  |
Real estate: |  |  |  |  |  |  |  |
Residential |  | 3 |  |  | $ | — |  |  | $ | 145 |  |  | $ | 145 |
Commercial |  | 2 |  |  | — |  |  | 294 |  |  | 294 |
Total |  | 5 |  |  | $ | — |  |  | $ | 439 |  |  | $ | 439 |
Schedule Of Outstanding Loan Commitments | Outstanding loan commitments were as follows:
|  | December 31,
(in thousands) |  | 2021 |  | 2020
Unused lines of credit |  |  |  |
Commercial |  | $ | 15,747 |  |  | $ | 15,973 |
Commercial real estate |  | 37,640 |  |  | 32,398 |
Residential real estate |  | 17,225 |  |  | 20,848 |
Home equity |  | 118,518 |  |  | 118,843 |
Commercial and industrial |  | 45,135 |  |  | 50,877 |
Credit card(1) |  | 123,874 |  |  | 92,452 |
Personal |  | 2,247 |  |  | 185 |
|  | $ | 360,386 |  |  | $ | 331,576 |
Commitments to originate residential loans held for sale |  | $ | 1,385 |  |  | $ | 11,444 |
Letters of credit |  | $ | 5,105 |  |  | $ | 5,102 |
_______________ (1) Outstanding loan commitments in the credit card portfolio include $98.2 million and $89.5 million in secured balances as of December 31, 2021 and 2020, respectively.
Schedule of Credit Losses for Financing Receivables | The Company maintains a reserve for off-balance sheet items such as unfunded lines of credit. Activity for this account is as follows:
(in thousands) |  | 2021 |  | 2020
Balance at beginning of period |  | $ | 1,776 |  |  | $ | 1,226 |
Provision expense (release) |  | (40) |  |  | 550 |
Add: Recoveries |  | — |  |  | — |
Less: Charge-offs |  | — |  |  | — |
Balance at end of period |  | $ | 1,736 |  |  | $ | 1,776 |
The Company makes representations and warranties that loans sold to investors meet their program's guidelines and that the information provided by the borrowers is accurate and complete. In the event of a default on a loan sold, the investor may make a claim for losses due to document deficiencies, program non-compliance, early payment default, and fraud or borrower misrepresentations. The Company maintains a reserve for potential losses on mortgage loans sold. Activity in this reserve is as follows for the periods presented:
(in thousands) |  | 2021 |  | 2020
Balance at beginning of period |  | $ | 1,160 |  |  | $ | 576 |
Add: Provision |  | 4 |  |  | 598 |
Add: Recoveries |  | — |  |  | — |
Less: Charge-offs |  | — |  |  | (14) |
Balance at end of period |  | $ | 1,164 |  |  | $ | 1,160 |

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