XML 56 R42.htm IDEA: XBRL DOCUMENT
v3.22.0.1

Loans and Allowance for Credit Losses (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2021
Receivables [Abstract] |
Amortized Cost and Unpaid Principal Balance of Loans by Loan Segment | The following table presents the Company's loan segments as of December 31, 2020 under the legacy segmentation and the new segmentation under ASU 2016-13:
(In Thousands) | Pre-ASU 2016-13
Commercial loans | $780,058 |
Real estate construction one-to-four family | 38,467 |
Real estate construction other | 80,315 |
Real estate term owner occupied | 163,597 |
Real estate term non-owner occupied | 309,074 |
Real estate term other | 46,620 |
Consumer secured by 1st deeds of trust | 15,585 |
Consumer other | 22,069 |
Subtotal | 1,455,785 |
Unearned loan fees, net | (11,735) |
Total portfolio loans | $1,444,050 |
| Post-ASU 2016-13
Commercial & industrial loans | $619,304 |
Commercial real estate: |
Owner occupied properties | 234,364 |
Non-owner occupied and multifamily properties | 394,860 |
Residential real estate: |
1-4 family residential properties secured by first liens | 33,463 |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | 18,114 |
1-4 family residential construction loans | 32,760 |
Other construction, land development and raw land loans | 84,352 |
Obligations of states and political subdivisions in the US | 15,274 |
Agricultural production, including commercial fishing | 13,093 |
Consumer loans | 5,794 |
Other loans | 4,407 |
Subtotal | $1,455,785 |
Unearned loan fees, net | ($11,735) |
Total portfolio loans | $1,444,050 |
The following table presents amortized cost and unpaid principal balance of loans for the periods indicated:
| December 31, 2021 | December 31, 2020
(In Thousands) | Amortized Cost | Unpaid Principal | Difference | Amortized Cost | Unpaid Principal | Difference
Commercial & industrial loans | $448,338 |  | $454,106 |  | ($5,768) |  | $612,254 |  | $619,304 |  | ($7,050) |
Commercial real estate: |  |  |  |  |  |
Owner occupied properties | 300,200 |  | 301,623 |  | (1,423) |  | 233,320 |  | 234,363 |  | (1,043) |
Non-owner occupied and multifamily properties | 435,311 |  | 438,631 |  | (3,320) |  | 392,452 |  | 394,860 |  | (2,408) |
Residential real estate: |  |  |  |  |  |
1-4 family residential properties secured by first liens | 32,542 |  | 32,602 |  | (60) |  | 33,415 |  | 33,510 |  | (95) |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | 19,610 |  | 19,489 |  | 121 |  | 18,236 |  | 18,114 |  | 122 |
1-4 family residential construction loans | 36,222 |  | 36,542 |  | (320) |  | 32,500 |  | 32,760 |  | (260) |
Other construction, land development and raw land loans | 88,094 |  | 88,604 |  | (510) |  | 83,463 |  | 84,351 |  | (888) |
Obligations of states and political subdivisions in the US | 16,403 |  | 16,565 |  | (162) |  | 15,318 |  | 15,274 |  | 44 |
Agricultural production, including commercial fishing | 27,959 |  | 28,082 |  | (123) |  | 12,968 |  | 13,093 |  | (125) |
Consumer loans | 4,801 |  | 4,763 |  | 38 |  | 5,734 |  | 5,794 |  | (60) |
Other loans | 4,406 |  | 4,422 |  | (16) |  | 4,390 |  | 4,407 |  | (17) |
Total | 1,413,886 |  | 1,425,429 |  | (11,543) |  | 1,444,050 |  | 1,455,830 |  | (11,780) |
Allowance for credit losses | (11,739) |  |  |  | (21,136) |  |  |
| $1,402,147 |  | $1,425,429 |  | ($11,543) |  | $1,422,914 |  | $1,455,830 |  | ($11,780) |
Allowance For Credit Losses | The activity in the ACL related to loans held for investment is as follows:
| Beginning Balance | Impact of adopting ASC 326 | Credit Loss Expense (Benefit) | Charge-offs | Recoveries | Ending Balance
| (In Thousands)
2021 |  |  |  |  |  |
Commercial | $7,973 |  | ($7,973) |  | $— |  | $— |  | $— |  | — |
Real estate construction 1-4 family | 679 |  | (679) |  | — |  | — |  | — |  | — |
Real estate construction other | 1,179 |  | (1,179) |  | — |  | — |  | — |  | — |
Real estate term owner occupied | 2,625 |  | (2,625) |  | — |  | — |  | — |  | — |
Real estate term non-owner occupied | 5,133 |  | (5,133) |  | — |  | — |  | — |  | — |
Real estate term other | 779 |  | (779) |  | — |  | — |  | — |  | — |
Consumer secured by 1st deed of trust | 261 |  | (261) |  | — |  | — |  | — |  | — |
Consumer other | 400 |  | (400) |  | — |  | — |  | — |  | — |
Unallocated | 2,107 |  | (2,107) |  | — |  | — |  | — |  | — |
Commercial & industrial loans | — |  | 4,348 |  | (122) |  | (1,452) |  | 253 |  | 3,027 |
Commercial real estate: |  |  |  |  |  |
Owner occupied properties | — |  | 3,579 |  | (412) |  | — |  | 9 |  | 3,176 |
Non-owner occupied and multifamily properties | — |  | 4,944 |  | (2,014) |  | — |  | — |  | 2,930 |
Residential real estate: |  |  |  |  |  |
1-4 family residential properties secured by first liens | — |  | 673 |  | (234) |  | — |  | — |  | 439 |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | — |  | 419 |  | (242) |  | — |  | 38 |  | 215 |
1-4 family residential construction loans | — |  | 454 |  | (334) |  | — |  | — |  | 120 |
Other construction, land development and raw land loans | — |  | 1,994 |  | (359) |  | — |  | — |  | 1,635 |
Obligations of states and political subdivisions in the US | — |  | 44 |  | (12) |  | — |  | — |  | 32 |
Agricultural production, including commercial fishing | — |  | 49 |  | 11 |  | — |  | 31 |  | 91 |
Consumer loans | — |  | 118 |  | (65) |  | — |  | 14 |  | 67 |
Other loans | — |  | 3 |  | 4 |  | — |  | — |  | 7 |
Total | $21,136 |  | ($4,511) |  | ($3,779) |  | ($1,452) |  | $345 |  | $11,739 |
| Beginning Balance | Provision (benefit) | Charge-offs | Recoveries | Ending Balance
| (In Thousands)
2020 |  |  |  |  |
Commercial | $6,604 |  | $1,680 |  | ($1,021) |  | $710 |  | $7,973 |
Real estate construction 1-4 family | 643 |  | 36 |  | — |  | — |  | 679 |
Real estate construction other | 1,017 |  | 162 |  | — |  | — |  | 1,179 |
Real estate term owner occupied | 2,188 |  | 522 |  | (85) |  | — |  | 2,625 |
Real estate term non-owner occupied | 5,180 |  | (47) |  | — |  | — |  | 5,133 |
Real estate term other | 671 |  | 106 |  | — |  | 2 |  | 779 |
Consumer secured by 1st deed of trust | 270 |  | (9) |  | — |  | — |  | 261 |
Consumer other | 436 |  | (46) |  | (15) |  | 25 |  | 400 |
Unallocated | 2,079 |  | 28 |  | — |  | — |  | 2,107 |
Total | $19,088 |  | $2,432 |  | ($1,121) |  | $737 |  | $21,136 |
The following table presents loans individually and collectively evaluated for impairment and their respective allowance for credit loss allocations as of December 31, 2020, as determined in accordance with ASC 310 prior to the adoption of ASU 2016-13:
(In Thousands) | Loan Evaluation |  | ALLL Allocations
| Individually | Collectively | Total |  | Individually | Collectively | Total
Commercial | $7,786 |  | $764,682 |  | $772,468 |  |  | $13 |  | $7,960 |  | $7,973 |
Real estate construction 1-4 family | 702 |  | $37,478 |  | 38,180 |  |  | — |  | 679 |  | 679 |
Real estate construction other | — |  | $79,403 |  | 79,403 |  |  | — |  | 1,179 |  | 1,179 |
Real estate term owner occupied | 6,962 |  | $155,762 |  | 162,724 |  |  | — |  | 2,625 |  | 2,625 |
Real estate term non-owner occupied | 770 |  | $306,477 |  | 307,247 |  |  | — |  | 5,133 |  | 5,133 |
Real estate term other | 1,467 |  | $44,763 |  | 46,230 |  |  | — |  | 779 |  | 779 |
Consumer secured by 1st deed of trust | 259 |  | $15,289 |  | 15,548 |  |  | — |  | 261 |  | 261 |
Consumer other | 82 |  | $22,168 |  | 22,250 |  |  | — |  | 400 |  | 400 |
Unallocated | — |  | — |  | — |  |  | — |  | 2,107 |  | 2,107 |
Total | $18,028 |  | $1,426,022 |  | $1,444,050 |  |  | $13 |  | $21,123 |  | $21,136 |
Information Pertaining to Impaired Loans Prior to the Adoption of ASU 2016-13 | The following table presents information pertaining to impaired loans as of December 31, 2020, as determined in accordance with ASC 310 prior to the adoption of ASU 2016-13:
| Impaired Loans With a Valuation Allowance |  | Impaired Loans Without a Valuation Allowance
(In Thousands) | Recorded Investment | Unpaid Principal | Related Allowance |  | Recorded Investment | Unpaid Principal
Commercial | $308 |  | $308 |  | $13 |  |  | $7,478 |  | $8,287 |
Real estate construction 1-4 family | — |  | — |  | — |  |  | 702 |  | 702 |
Real estate construction other | — |  | — |  | — |  |  | — |  | — |
Real estate term owner occupied | — |  | — |  | — |  |  | 6,962 |  | 7,047 |
Real estate term non-owner occupied | — |  | — |  | — |  |  | 771 |  | 771 |
Real estate term other | — |  | — |  | — |  |  | 1,467 |  | 1,467 |
Consumer secured by 1st deed of trust | — |  | — |  | — |  |  | 258 |  | 258 |
Consumer other | — |  | — |  | — |  |  | 82 |  | 87 |
Total | $308 |  | $308 |  | $13 |  |  | $17,720 |  | $18,619 |
The following table presents average impaired loans information, as determined in accordance with ASC 310 prior to the adoption of ASU 2016-13, and interest recognized on such loans, for the year ended December 31, 2020:
(In Thousands) | Average Impaired Loans | Interest Recognized
Commercial | $10,964 |  | $147 |
Real estate construction 1-4 family | 781 |  | — |
Real estate construction other | — |  | — |
Real estate term owner occupied | 6,739 |  | 125 |
Real estate term non-owner occupied | 562 |  | 29 |
Real estate term other | 1,551 |  | 20 |
Consumer secured by 1st deed of trust | 299 |  | 12 |
Consumer other | 86 |  | — |
Total | $20,982 |  | $333 |
Portfolio of Risk-rated Loans by Grade and by Year of Origination | The following tables present the Company's portfolio of risk-rated loans by grade and by year of origination. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal of loan constitutes a current period origination. Generally, current period renewals of credit are re-underwritten at the point of renewal and considered current period originations for purposes of the table below.
December 31, 2021 | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Total
| (In Thousands)
Commercial & industrial loans |  |  |  |  |  |  |
Pass | $227,376 |  | $54,478 |  | $29,846 |  | $37,339 |  | $23,205 |  | $44,554 |  | $416,798 |
Classified | 18,853 |  | 714 |  | 3,564 |  | 3,118 |  | 517 |  | 4,774 |  | 31,540 |
Total commercial & industrial loans | $246,229 |  | $55,192 |  | $33,410 |  | $40,457 |  | $23,722 |  | $49,328 |  | $448,338 |
Commercial real estate: |  |  |  |  |  |  |
Owner occupied properties |  |  |  |  |  |  |
Pass | $81,533 |  | $83,975 |  | $39,254 |  | $14,841 |  | $14,452 |  | $57,717 |  | $291,772 |
Classified | — |  | 1,399 |  | — |  | 522 |  | — |  | 6,507 |  | 8,428 |
Total commercial real estate owner occupied properties | $81,533 |  | $85,374 |  | $39,254 |  | $15,363 |  | $14,452 |  | $64,224 |  | $300,200 |
Non-owner occupied and multifamily properties |  |  |  |  |
Pass | $77,205 |  | $77,961 |  | $61,147 |  | $34,307 |  | $19,833 |  | $154,561 |  | $425,014 |
Classified | — |  | — |  | — |  | 10 |  | 10,286 |  | 1 |  | 10,297 |
Total commercial real estate non-owner occupied and multifamily properties | $77,205 |  | $77,961 |  | $61,147 |  | $34,317 |  | $30,119 |  | $154,562 |  | $435,311 |
Residential real estate: |  |  |  |  |  |  |
1-4 family residential properties secured by first liens |  |  |  |  |
Pass | $7,756 |  | $8,023 |  | $3,689 |  | $531 |  | $1,466 |  | $8,812 |  | $30,277 |
Classified | 417 |  | 1,077 |  | 472 |  | 90 |  | — |  | 209 |  | 2,265 |
Total residential real estate 1-4 family residential properties secured by first liens | $8,173 |  | $9,100 |  | $4,161 |  | $621 |  | $1,466 |  | $9,021 |  | $32,542 |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens |  |
Pass | $5,806 |  | $2,535 |  | $3,229 |  | $3,464 |  | $259 |  | $4,046 |  | $19,339 |
Classified | — |  | — |  | — |  | 259 |  | — |  | 12 |  | 271 |
Total residential real estate 1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | $5,806 |  | $2,535 |  | $3,229 |  | $3,723 |  | $259 |  | $4,058 |  | $19,610 |
1-4 family residential construction loans |  |  |  |  |  |  |
Pass | $21,409 |  | $1,056 |  | $1,707 |  | $62 |  | $— |  | $11,879 |  | $36,113 |
Classified | — |  | — |  | — |  | — |  | 109 |  | — |  | 109 |
Total residential real estate 1-4 family residential construction loans | $21,409 |  | $1,056 |  | $1,707 |  | $62 |  | $109 |  | $11,879 |  | $36,222 |
Other construction, land development and raw land loans |  |  |  |
Pass | $39,624 |  | $26,458 |  | $11,044 |  | $3,315 |  | $139 |  | $5,544 |  | $86,124 |
Classified | — |  | — |  | — |  | 460 |  | — |  | 1,510 |  | 1,970 |
Total other construction, land development and raw land loans | $39,624 |  | $26,458 |  | $11,044 |  | $3,775 |  | $139 |  | $7,054 |  | $88,094 |
Obligations of states and political subdivisions in the US |  |  |  |
Pass | $4,120 |  | $812 |  | $1,875 |  | $343 |  | $2,733 |  | $6,520 |  | $16,403 |
Classified | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total obligations of states and political subdivisions in the US | $4,120 |  | $812 |  | $1,875 |  | $343 |  | $2,733 |  | $6,520 |  | $16,403 |
Agricultural production, including commercial fishing |  |  |  |
Pass | $19,970 |  | $3,929 |  | $810 |  | $1,118 |  | $741 |  | $1,391 |  | $27,959 |
Classified | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total agricultural production, including commercial fishing | $19,970 |  | $3,929 |  | $810 |  | $1,118 |  | $741 |  | $1,391 |  | $27,959 |
Consumer loans |  |  |  |  |  |  |
Pass | $873 |  | $815 |  | $653 |  | $403 |  | $291 |  | $1,766 |  | $4,801 |
Classified | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total consumer loans | $873 |  | $815 |  | $653 |  | $403 |  | $291 |  | $1,766 |  | $4,801 |
Other loans |  |  |  |  |  |  |
Pass | $2,028 |  | $1,645 |  | $430 |  | $95 |  | $— |  | $208 |  | $4,406 |
Classified | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total other loans | $2,028 |  | $1,645 |  | $430 |  | $95 |  | $— |  | $208 |  | $4,406 |
Total loans |  |  |  |  |  |  |
Pass | $487,700 |  | $261,687 |  | $153,684 |  | $95,818 |  | $63,119 |  | $296,998 |  | $1,359,006 |
Classified | 19,270 |  | 3,190 |  | 4,036 |  | 4,459 |  | 10,912 |  | 13,013 |  | 54,880 |
Total loans | $506,970 |  | $264,877 |  | $157,720 |  | $100,277 |  | $74,031 |  | $310,011 |  | $1,413,886 |
Total pass loans | $487,700 |  | $261,687 |  | $153,684 |  | $95,818 |  | $63,119 |  | $296,998 |  | $1,359,006 |
Government guarantees | (145,713) |  | (12,725) |  | (14,429) |  | (3,299) |  | (306) |  | (6,562) |  | (183,034) |
Total pass loans, net of government guarantees | $341,987 |  | $248,962 |  | $139,255 |  | $92,519 |  | $62,813 |  | $290,436 |  | $1,175,972 |
Total classified loans | $19,270 |  | $3,190 |  | $4,036 |  | $4,459 |  | $10,912 |  | $13,013 |  | $54,880 |
Government guarantees | (7,201) |  | (1,259) |  | — |  | — |  | — |  | (10,571) |  | (19,031) |
Total classified loans, net government guarantees | $12,069 |  | $1,931 |  | $4,036 |  | $4,459 |  | $10,912 |  | $2,442 |  | $35,849 |
The following table presents the Company's portfolio of risk-rated loans by grade as of December 31, 2020:
| Pass | Classified | Total
| (In Thousands)
December 31, 2020 |  |  |
Commercial | $758,362 |  | $14,106 |  | $772,468 |
Real estate construction 1-4 family | 37,093 |  | 1,087 |  | 38,180 |
Real estate construction other | 79,403 |  | — |  | 79,403 |
Real estate term owner occupied | 152,734 |  | 9,990 |  | 162,724 |
Real estate term non-owner occupied | 289,555 |  | 17,692 |  | 307,247 |
Real estate term other | 42,900 |  | 3,330 |  | 46,230 |
Consumer secured by 1st deed of trust | 15,404 |  | 144 |  | 15,548 |
Consumer other | 22,144 |  | 106 |  | 22,250 |
Portfolio loans | 1,397,595 |  | 46,455 |  | 1,444,050 |
Government guarantees | (334,639) |  | (14,587) |  | (349,226) |
Portfolio loans, net of government guarantees | $1,062,956 |  | $31,868 |  | $1,094,824 |
Aging of Contractually Past Due Loans | The following tables present an aging of contractually past due loans as of the periods indicated:
(In Thousands) | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 90 Days Past Due |  | Total Past Due |  | Current |  | Total |  | Greater Than 90 Days Past Due Still Accruing
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial loans | $206 |  |  | $51 |  |  | $469 |  |  | $726 |  |  | $447,612 |  |  | $448,338 |  |  | $— |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied properties | 12 |  |  | — |  |  | 1,176 |  |  | 1,188 |  |  | 299,012 |  |  | 300,200 |  |  | — |
Non-owner occupied and multifamily properties | — |  |  | — |  |  | — |  |  | — |  |  | 435,311 |  |  | 435,311 |  |  | — |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential properties secured by first liens | — |  |  | — |  |  | 90 |  |  | 90 |  |  | 32,452 |  |  | 32,542 |  |  | — |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | — |  |  | — |  |  | 139 |  |  | 139 |  |  | 19,471 |  |  | 19,610 |  |  | — |
1-4 family residential construction loans | — |  |  | — |  |  | 109 |  |  | 109 |  |  | 36,113 |  |  | 36,222 |  |  | — |
Other construction, land development and raw land loans | — |  |  | — |  |  | 1,636 |  |  | 1,636 |  |  | 86,458 |  |  | 88,094 |  |  | — |
Obligations of states and political subdivisions in the US | — |  |  | — |  |  | — |  |  | — |  |  | 16,403 |  |  | 16,403 |  |  | — |
Agricultural production, including commercial fishing | — |  |  | — |  |  | — |  |  | — |  |  | 27,959 |  |  | 27,959 |  |  | — |
Consumer loans | — |  |  | — |  |  | — |  |  | — |  |  | 4,801 |  |  | 4,801 |  |  | — |
Other loans | — |  |  | — |  |  | — |  |  | — |  |  | 4,406 |  |  | 4,406 |  |  | — |
Total | $218 |  |  | $51 |  |  | $3,619 |  |  | $3,888 |  |  | $1,409,998 |  |  | $1,413,886 |  |  | $— |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial loans | $242 |  |  | $229 |  |  | $2,675 |  |  | $3,146 |  |  | $609,108 |  |  | $612,254 |  |  | $— |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied properties | 2,203 |  |  | — |  |  | 2,459 |  |  | 4,662 |  |  | 228,658 |  |  | 233,320 |  |  | 449 |
Non-owner occupied and multifamily properties | — |  |  | — |  |  | — |  |  | — |  |  | 392,452 |  |  | 392,452 |  |  | — |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential properties secured by first liens | 446 |  |  | — |  |  | — |  |  | 446 |  |  | 32,969 |  |  | 33,415 |  |  | — |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | 38 |  |  | — |  |  | 139 |  |  | 177 |  |  | 18,059 |  |  | 18,236 |  |  | — |
1-4 family residential construction loans | — |  |  | — |  |  | 702 |  |  | 702 |  |  | 31,798 |  |  | 32,500 |  |  | — |
Other construction, land development and raw land loans | — |  |  | — |  |  | 1,545 |  |  | 1,545 |  |  | 81,918 |  |  | 83,463 |  |  | — |
Obligations of states and political subdivisions in the US | — |  |  | — |  |  | — |  |  | — |  |  | 15,318 |  |  | 15,318 |  |  | — |
Agricultural production, including commercial fishing | — |  |  | — |  |  | — |  |  | — |  |  | 12,968 |  |  | 12,968 |  |  | — |
Consumer loans | — |  |  | — |  |  | 272 |  |  | 272 |  |  | 5,462 |  |  | 5,734 |  |  | — |
Other loans | — |  |  | — |  |  | — |  |  | — |  |  | 4,390 |  |  | 4,390 |  |  | — |
Total | $2,929 |  |  | $229 |  |  | $7,792 |  |  | $10,950 |  |  | $1,433,100 |  |  | $1,444,050 |  |  | $449 |
Loans on Nonaccrual Status | The following table presents loans on nonaccrual status and loans on nonaccrual status for which there was no related allowance for credit losses:
| December 31, 2021 | December 31, 2020
(In Thousands) | Nonaccrual | Nonaccrual With No ACL | Nonaccrual | Nonaccrual With No ACL
Commercial & industrial loans | $4,350 |  | $4,298 |  | $3,848 |  | $3,513 |
Commercial real estate: |  |  |  |
Owner occupied properties | 3,506 |  | 3,506 |  | 4,620 |  | 4,582 |
Residential real estate: |  |  |  |
1-4 family residential properties secured by first liens | 1,778 |  | 1,778 |  | 160 |  | 160 |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | 271 |  | 215 |  | 242 |  | 221 |
1-4 family residential construction loans | 109 |  | 109 |  | 702 |  | 702 |
Other construction, land development and raw land loans | 1,636 |  | 1,636 |  | 1,545 |  | 1,545 |
Consumer loans | — |  | — |  | 3 |  | — |
Total nonaccrual loans | 11,650 |  | 11,542 |  | 11,120 |  | 10,723 |
Government guarantees on nonaccrual loans | (978) |  | (978) |  | (1,483) |  | (1,483) |
Net nonaccrual loans | $10,672 |  | $10,564 |  | $9,637 |  | $9,240 |
Non Troubled Debt Restructuring | As of December 31, 2021 and 2020, the Company has made the following types of loan modifications related to COVID-19, which are not classified as TDRs with principal balance outstanding of:
Loan Modifications due to COVID-19 as of December 31, 2021
(Dollars in thousands) | Interest Only | Full Payment Deferral | Total
Portfolio loans | $49,219 |  | $31 |  | $49,250 |
Number of modifications | 16 |  | 1 |  | 17 |
Loan Modifications due to COVID-19 as of December 31, 2020
(Dollars in thousands) | Interest Only | Full Payment Deferral | Total
Portfolio loans | $43,379 |  | $22,165 |  | $65,544 |
Number of modifications | 23 |  | 11 |  | 34 |
Troubled Debt Restructured Loans | The following table presents the breakout between newly restructured loans that occurred during 2021 and restructured loans that occurred prior to 2021 that are still included in portfolio loans. As discussed above, the CARES Act provided banks an option to elect to not account for certain loan modifications related to COVID-19 as TDRs as long as the borrowers were not more than 30 days past due as of December 31, 2019. The below disclosed restructurings were not related to COVID-19 modifications:
| Accrual Status |  | Nonaccrual Status |  | Total Modifications
(In Thousands) |  |
New Troubled Debt Restructurings |  |  |  |  |
Commercial & industrial loans | $— |  |  | $3,118 |  |  | $3,118 |
Commercial real estate: |  |  |  |  |
Owner occupied properties | — |  |  | 350 |  |  | 350 |
Residential real estate: |  |  |  |  |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | — |  |  | 139 |  |  | 139 |
Other construction, land development and raw land loans | — |  |  | 577 |  |  | 577 |
Subtotal | — |  |  | 4,184 |  |  | 4,184 |
Existing Troubled Debt Restructurings | 3,291 |  |  | 3,163 |  |  | 6,454 |
Total | $3,291 |  |  | $7,347 |  |  | $10,638 |
The following tables present newly restructured loans that occurred during 2021 and 2020, by concession (terms modified):
| December 31, 2021
(In Thousands) | Number of Contracts |  | Rate Modification |  | Term Modification |  | Payment Modification |  | Combination Modification |  | Total Modifications
Pre-Modification Outstanding Recorded Investment: |  |
Commercial & industrial loans | 2 |  | $— |  |  | $3,792 |  |  | $— |  |  | $— |  |  | $3,792 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
Owner occupied properties | 1 |  | — |  |  | 360 |  |  | — |  |  | — |  |  | 360 |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | 1 |  | — |  |  | — |  |  | 139 |  |  | — |  |  | 139 |
Other construction, land development and raw land loans | 1 |  | — |  |  | 577 |  |  | — |  |  | — |  |  | 577 |
Total | 5 |  | $— |  |  | $4,729 |  |  | $139 |  |  | $— |  |  | $4,868 |
Post-Modification Outstanding Recorded Investment: |  |
Commercial & industrial loans | 1 |  | $— |  |  | $3,118 |  |  | $— |  |  | $— |  |  | $3,118 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |
Owner occupied properties | 1 |  | — |  |  | 350 |  |  | — |  |  | — |  |  | 350 |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | 1 |  | — |  |  | — |  |  | 139 |  |  | — |  |  | 139 |
Other construction, land development and raw land loans | 1 |  | — |  |  | 577 |  |  | — |  |  | — |  |  | 577 |
Total | 4 |  | $— |  |  | $4,045 |  |  | $139 |  |  | $— |  |  | $4,184 |
| December 31, 2020
(In Thousands) | Number of Contracts |  | Rate Modification |  | Term Modification |  | Payment Modification |  | Combination Modification |  | Total Modifications
Pre-Modification Outstanding Recorded Investment: |  |
Commercial & industrial loans | 2 |  | $— |  |  | $3,249 |  |  | $164 |  |  | $— |  |  | $3,413 |
Total | 2 |  | $— |  |  | $3,249 |  |  | $164 |  |  | $— |  |  | $3,413 |
Post-Modification Outstanding Recorded Investment: |  |
Commercial & industrial loans | 2 |  | $— |  |  | $1,590 |  |  | $161 |  |  | $— |  |  | $1,751 |
Total | 2 |  | $— |  |  | $1,590 |  |  | $161 |  |  | $— |  |  | $1,751 |
Analysis Of Loan Transactions | An analysis of the loan transactions for the years indicated follows:
(In Thousands) | 2021 |  | 2020 |  | 2019
Balance, beginning of the year | $217 |  |  | $309 |  |  | $— |
Loans made | — |  |  | — |  |  | 309 |
Repayments | 26 |  |  | 92 |  |  | — |
Balance, end of year | $191 |  |  | $217 |  |  | $309 |

X
- Definition Analysis Of Directors And Principal Owners Loan Transactions [Table Text Block] + References No definition available. + Details
Name: | nrim_AnalysisOfDirectorsAndPrincipalOwnersLoanTransactionsTableTextBlock
Namespace Prefix: | nrim_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Schedule Of Non Troubled Debt Restructuring [Table Text Block] + References No definition available. + Details
Name: | nrim_ScheduleOfNonTroubledDebtRestructuringTableTextBlock
Namespace Prefix: | nrim_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=123577603&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 16 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919258-210447 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration