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v3.22.4

Loans (Tables) | 12 Months Ended
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Dec. 31, 2022
Receivables [Abstract] |
Summary of Loan Categories | A summary of loan categories is as follows:
| December 31,
(In thousands) | 2022 |  | 2021
Commercial and industrial | $ | 561,616 |  |  | $ | 450,336 |
Real estate: |  |  |
Commercial: |  |  |
Mortgage | 108,166 |  |  | 108,759 |
Construction | 17,874 |  |  | 24,797 |
Faith-based: |  |  |
Mortgage | 387,114 |  |  | 355,582 |
Construction | 8,094 |  |  | 14,664 |
PPP | — |  |  | 6,299 |
Other | 42 |  |  | 130 |
Total loans | $ | 1,082,906 |  |  | $ | 960,567 |
Schedule of Debt | The following table presents the aging of loans by loan categories at December 31, 2022:
| Performing |  | Nonperforming |  |
(In thousands) | Current |  | 30-59 Days |  | 60-89 Days |  | 90 Days and Over |  | Non- accrual |  | Total Loans
Commercial and industrial | $ | 560,466 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,150 |  |  | $ | 561,616 |
Real estate |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Mortgage | 108,166 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 108,166 |
Construction | 17,874 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 17,874 |
Faith-based: |  |  |  |  |  |  |  |  |  |  |
Mortgage | 387,114 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 387,114 |
Construction | 8,094 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 8,094 |
PPP | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Other | 42 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 42 |
Total | $ | 1,081,756 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,150 |  |  | $ | 1,082,906 |
The following table presents the aging of loans by loan categories at December 31, 2021:
| Performing |  | Nonperforming |  |
(In thousands) | Current |  | 30-59 Days |  | 60-89 Days |  | 90 Days and Over |  | Non- accrual |  | Total Loans
Commercial and industrial | $ | 450,336 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 450,336 |
Real estate |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |
Mortgage | 108,759 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 108,759 |
Construction | 24,797 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 24,797 |
Faith-based: |  |  |  |  |  |  |  |  |  |  |
Mortgage | 355,582 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 355,582 |
Construction | 14,664 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 14,664 |
PPP | 6,299 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 6,299 |
Other | 130 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 130 |
Total | $ | 960,567 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 960,567 |
Schedule of Credit Exposure of the Loan Portfolio | The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2022:
(In thousands) | Loans Subject to Normal Monitoring(1) |  | Performing Loans Subject to Special Monitoring(2) |  | Nonperforming Loans Subject to Special Monitoring(2) |  | Total Loans
Commercial and industrial | $ | 549,241 |  |  | $ | 11,225 |  |  | $ | 1,150 |  |  | $ | 561,616 |
Real estate |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |
Mortgage | 108,166 |  |  | — |  |  | — |  |  | 108,166 |
Construction | 17,874 |  |  | — |  |  | — |  |  | 17,874 |
Faith-based: |  |  |  |  |  |  |
Mortgage | 386,169 |  |  | 945 |  |  | — |  |  | 387,114 |
Construction | 8,094 |  |  | — |  |  | — |  |  | 8,094 |
PPP | — |  |  | — |  |  | — |  |  | — |
Other | 42 |  |  | — |  |  | — |  |  | 42 |
Total | $ | 1,069,586 |  |  | $ | 12,170 |  |  | $ | 1,150 |  |  | $ | 1,082,906 |
(1) | Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk and have the apparent ability to satisfy their loan obligation.
(2) | Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a higher level of management attention.
The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2021:
(In thousands) | Loans Subject to Normal Monitoring(1) |  | Performing Loans Subject to Special Monitoring(2) |  | Nonperforming Loans Subject to Special Monitoring(2) |  | Total Loans
Commercial and industrial | $ | 440,607 |  |  | $ | 9,729 |  |  | $ | — |  |  | $ | 450,336 |
Real estate |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |
Mortgage | 108,759 |  |  | — |  |  | — |  |  | 108,759 |
Construction | 24,797 |  |  | — |  |  | — |  |  | 24,797 |
Faith-based: |  |  |  |  |  |  |
Mortgage | 352,717 |  |  | 2,865 |  |  | — |  |  | 355,582 |
Construction | 14,664 |  |  | — |  |  | — |  |  | 14,664 |
PPP | 6,299 |  |  | — |  |  | — |  |  | 6,299 |
Other | 130 |  |  | — |  |  | — |  |  | 130 |
Total | $ | 947,973 |  |  | $ | 12,594 |  |  | $ | — |  |  | $ | 960,567 |
(1) | Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk and have the apparent ability to satisfy their loan obligation.
(2) | Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a higher level of management attention.
A summary of the ACL by category for the period ended December 31, 2022 is as follows:
(In thousands) | C&I |  | CRE |  | Faith-based CRE |  | Construction |  | Total
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |
Balance at December 31, 2021 | $ | 5,034 |  |  | $ | 1,031 |  |  | $ | 5,684 |  |  | $ | 292 |  |  | $ | 12,041 |
Provision for (release of) credit losses (1) | 931 |  |  | (91) |  |  | 753 |  |  | (108) |  |  | 1,485 |
Recoveries | 13 |  |  | — |  |  | — |  |  | — |  |  | 13 |
Balance at December 31, 2022 | $ | 5,978 |  |  | $ | 940 |  |  | $ | 6,437 |  |  | $ | 184 |  |  | $ | 13,539 |
(1) | For the period ended December 31, 2022, there was a release of credit losses of $135,000 for unfunded commitments.
A summary of the ACL by category for the period ended December 31, 2021 is as follows:
(In thousands) | C&I |  | CRE |  | Faith-based CRE |  | Construction |  | Total
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |
Balance at January 1, 2020 | $ | 4,635 |  |  | $ | 1,175 |  |  | $ | 5,717 |  |  | $ | 417 |  |  | $ | 11,944 |
Provision for (release of) credit losses (1) | 387 |  |  | (144) |  |  | (48) |  |  | (125) |  |  | 70 |
Recoveries | 12 |  |  | — |  |  | 15 |  |  | — |  |  | 27 |
Balance at December 31, 2021 | $ | 5,034 |  |  | $ | 1,031 |  |  | $ | 5,684 |  |  | $ | 292 |  |  | $ | 12,041 |
(1) | For the period ended December 31, 2021, there was a release of credit losses of $200,000 for unfunded commitments.
As of December 31, 2022 and 2021, there were no loans to executive officers or directors, or their affiliates.
Summary of ACL by Category | A summary of the ACL by category for the period ended December 31, 2022 is as follows:
(In thousands) | C&I |  | CRE |  | Faith-based CRE |  | Construction |  | Total
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |
Balance at December 31, 2021 | $ | 5,034 |  |  | $ | 1,031 |  |  | $ | 5,684 |  |  | $ | 292 |  |  | $ | 12,041 |
Provision for (release of) credit losses (1) | 931 |  |  | (91) |  |  | 753 |  |  | (108) |  |  | 1,485 |
Recoveries | 13 |  |  | — |  |  | — |  |  | — |  |  | 13 |
Balance at December 31, 2022 | $ | 5,978 |  |  | $ | 940 |  |  | $ | 6,437 |  |  | $ | 184 |  |  | $ | 13,539 |
(1) | For the period ended December 31, 2022, there was a release of credit losses of $135,000 for unfunded commitments.
A summary of the ACL by category for the period ended December 31, 2021 is as follows:
(In thousands) | C&I |  | CRE |  | Faith-based CRE |  | Construction |  | Total
Allowance for credit losses on loans: |  |  |  |  |  |  |  |  |
Balance at January 1, 2020 | $ | 4,635 |  |  | $ | 1,175 |  |  | $ | 5,717 |  |  | $ | 417 |  |  | $ | 11,944 |
Provision for (release of) credit losses (1) | 387 |  |  | (144) |  |  | (48) |  |  | (125) |  |  | 70 |
Recoveries | 12 |  |  | — |  |  | 15 |  |  | — |  |  | 27 |
Balance at December 31, 2021 | $ | 5,034 |  |  | $ | 1,031 |  |  | $ | 5,684 |  |  | $ | 292 |  |  | $ | 12,041 |
(1) | For the period ended December 31, 2021, there was a release of credit losses of $200,000 for unfunded commitments.

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