v3.22.0.1
Nature of Business and Basis of Presentation (Tables)
12 Months Ended
Dec. 31, 2021
Accounting Policies [Abstract]  
Schedule Of Outstanding Portfolio Loans Deferred
Outstanding portfolio loans deferred due to COVID-19, which decreased by 86.9% percent from $30.5 million at December 31, 2020 to $4.0 million at December 31, 2021, are shown in the table below:
Loan Modifications (1)
(dollars in millions)
20212020
Deferred LoansDeferred Loans
SectorTotal Loans OutstandingBalance# of Loans DeferredBalance# of Loans Deferred
Accommodation & Food Services$94.5 $2.4 1 $14.7 16 
Real Estate and Rental Leasing560.21.3 2 5.5 10 
Other Services Including Private Households173.20.3 1 1.1 
Educational Services15.1  — — 
Construction263.1  — — 
Professional, Scientific, and Technical Services43.4  1.4 
Arts, Entertainment & Recreation32.7  0.7 
Retail Trade19.6  0.3 
Healthcare & Social Assistance79.1  0.9 
Wholesale Trade21.6  — — 
All other (1)
340.2  5.9 
Total$1,642.7 $4.0 4$30.5 43
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(1) Excludes the minor modifications and deferrals made for OpenSky® secured card customers.
Schedule of Computing Basic and Diluted Earnings Per Common Share
The following is a reconciliation of the numerators and denominators used in computing basic and diluted earnings per common share:
For the Years Ended December 31,
20212020
(dollars in thousands)IncomeWeighted Average SharesPer Share
Amount
IncomeWeighted Average SharesPer Share
Amount
Basic EPS
   Net income available to common stockholders$39,978 13,798,620 $2.90 $25,823 13,793,256 $1.87 
   Effect of dilutive securities 282,783 — 6,920 
Dilutive EPS per common share$39,978 14,081,403 $2.84 $25,823 13,800,176 $1.87 
Schedule of Accumulated Other Comprehensive Income Unrealized Gains and Losses
The Company's only component of other comprehensive income is unrealized gains and losses on investment securities available for sale, net of income taxes. Information concerning the Company's accumulated other comprehensive income (loss) as of December 31, 2021 and 2020 are as follows:
For the Years Ended December 31,
(in thousands)20212020
Unrealized gains (losses) on securities available for sale$(1,504)$2,337 
Deferred tax benefit (expense)428 (620)
Total accumulated comprehensive income (loss)$(1,076)$1,717