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Loans and Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2022
Receivables [Abstract] |
Summary of Loans Held for Investment | The following table presents loans held for investment, including Paycheck Protection Program ("PPP") loans, as of the dates stated.
(Dollars in thousands) |  | March 31, 2022 |  |  | December 31, 2021 |
Commercial and industrial |  | $ | 380,754 |  |  | $ | 320,827 |
Paycheck Protection Program |  |  | 22,902 |  |  |  | 30,742 |
Real estate – construction, commercial |  |  | 124,523 |  |  |  | 146,523 |
Real estate – construction, residential |  |  | 60,195 |  |  |  | 58,857 |
Real estate – mortgage, commercial |  |  | 748,223 |  |  |  | 701,503 |
Real estate – mortgage, residential |  |  | 487,257 |  |  |  | 493,982 |
Real estate – mortgage, farmland |  |  | 6,062 |  |  |  | 6,173 |
Consumer |  |  | 37,368 |  |  |  | 49,877 |
Gross loans |  |  | 1,867,284 |  |  |  | 1,808,484 |
Less: deferred loan fees, net of costs |  |  | (1,087 | ) |  |  | (906 | )
Total |  | $ | 1,866,197 |  |  | $ | 1,807,578 |
Summary of Acquired Loans Included in Consolidated Statement of Condition | The following table presents the outstanding principal balance and related recorded investment of these acquired loans included in the consolidated balance sheets as of the dates stated.
(Dollars in thousands) |  | March 31, 2022 |  |  | December 31, 2021 |
PCI loans |  |  |  |  |  |
Outstanding principal balance |  | $ | 68,778 |  |  | $ | 97,418 |
Recorded investment |  |  | 57,841 |  |  |  | 84,029 |
Purchased performing loans |  |  |  |  |  |
Outstanding principal balance |  |  | 665,979 |  |  |  | 706,147 |
Recorded investment |  |  | 663,397 |  |  |  | 703,333 |
Total acquired loans |  |  |  |  |  |
Outstanding principal balance |  |  | 734,757 |  |  |  | 803,565 |
Recorded investment |  |  | 721,238 |  |  |  | 787,362 |
Summary of Changes in Accretable Yield on Purchased Credit Impaired Loans | The following table presents the changes in the accretable yield for PCI loans for the periods stated.
|  | For the three months ended March 31, |
(Dollars in thousands) |  | 2022 |  |  | 2021 |
Balance, beginning of period |  | $ | 16,849 |  |  | $ | 123 |
Additions |  |  | — |  |  |  | 10,030 |
Accretion |  |  | (3,512 | ) |  |  | (840 | )
Reclassification of nonaccretable difference due to improvement in expected cash flows |  |  | — |  |  |  | 104 |
Other changes, net |  |  | — |  |  |  | 22 |
Balance, end of period |  | $ | 13,337 |  |  | $ | 9,439 |
Summary of Financing Receivable, Past Due | The following tables present the aging of the recorded investment of loans held for investment as of the dates stated.
|  | March 31, 2022 |
(Dollars in thousands) |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater than 90 Days Past Due & Accruing |  |  | Nonaccrual |  |  | Total Past Due & Nonaccrual |  |  | PCI Loans |  |  | Current Loans |  |  | Total Loans |
Commercial and industrial |  | $ | 2,278 |  |  | $ | 1,117 |  |  | $ | 212 |  |  | $ | 3,378 |  |  | $ | 6,985 |  |  | $ | 6,471 |  |  | $ | 367,298 |  |  | $ | 380,754 |
Paycheck Protection Program |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 22,902 |  |  |  | 22,902 |
Real estate – construction, commercial |  |  | 3,894 |  |  |  | 269 |  |  |  | — |  |  |  | 88 |  |  |  | 4,251 |  |  |  | 1,196 |  |  |  | 119,076 |  |  |  | 124,523 |
Real estate – construction, residential |  |  | 1,383 |  |  |  | 663 |  |  |  | 457 |  |  |  | 240 |  |  |  | 2,743 |  |  |  | — |  |  |  | 57,452 |  |  |  | 60,195 |
Real estate – mortgage, commercial |  |  | 717 |  |  |  | 1,202 |  |  |  | — |  |  |  | 3,284 |  |  |  | 5,203 |  |  |  | 42,031 |  |  |  | 700,989 |  |  |  | 748,223 |
Real estate – mortgage, residential |  |  | 6,392 |  |  |  | 2,000 |  |  |  | 362 |  |  |  | 5,221 |  |  |  | 13,975 |  |  |  | 7,553 |  |  |  | 465,729 |  |  |  | 487,257 |
Real estate – mortgage, farmland |  |  | 339 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 339 |  |  |  | — |  |  |  | 5,723 |  |  |  | 6,062 |
Consumer |  |  | 715 |  |  |  | 205 |  |  |  | 239 |  |  |  | 703 |  |  |  | 1,862 |  |  |  | 590 |  |  |  | 34,916 |  |  |  | 37,368 |
Less: deferred loan fees, net of costs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (1,087 | ) |  |  | (1,087 | )
Total Loans |  | $ | 15,718 |  |  | $ | 5,456 |  |  | $ | 1,270 |  |  | $ | 12,914 |  |  | $ | 35,358 |  |  | $ | 57,841 |  |  | $ | 1,772,998 |  |  | $ | 1,866,197 |
|  | December 31, 2021 |
(Dollars in thousands) |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater than 90 Days Past Due & Accruing |  |  | Nonaccrual |  |  | Total Past Due & Nonaccrual |  |  | PCI Loans |  |  | Current Loans |  |  | Total Loans |
Commercial and industrial |  | $ | 2,338 |  |  | $ | — |  |  | $ | 30 |  |  | $ | 6,066 |  |  | $ | 8,434 |  |  | $ | 8,903 |  |  | $ | 303,490 |  |  | $ | 320,827 |
Paycheck Protection Program |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 30,742 |  |  |  | 30,742 |
Real estate – construction, commercial |  |  | 271 |  |  |  | — |  |  |  | — |  |  |  | 88 |  |  |  | 359 |  |  |  | 14,754 |  |  |  | 131,410 |  |  |  | 146,523 |
Real estate – construction, residential |  |  | 651 |  |  |  | 98 |  |  |  | 279 |  |  |  | 413 |  |  |  | 1,441 |  |  |  | — |  |  |  | 57,416 |  |  |  | 58,857 |
Real estate – mortgage, commercial |  |  | 53 |  |  |  | — |  |  |  | — |  |  |  | 3,024 |  |  |  | 3,077 |  |  |  | 51,872 |  |  |  | 646,554 |  |  |  | 701,503 |
Real estate – mortgage, residential |  |  | 13,950 |  |  |  | 1,587 |  |  |  | 359 |  |  |  | 5,190 |  |  |  | 21,086 |  |  |  | 7,621 |  |  |  | 465,275 |  |  |  | 493,982 |
Real estate – mortgage, farmland |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,173 |  |  |  | 6,173 |
Consumer |  |  | 902 |  |  |  | 583 |  |  |  | 249 |  |  |  | 396 |  |  |  | 2,130 |  |  |  | 879 |  |  |  | 46,868 |  |  |  | 49,877 |
Less: deferred loan fees, net of costs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (906 | ) |  |  | (906 | )
Total Loans |  | $ | 18,165 |  |  | $ | 2,268 |  |  | $ | 917 |  |  | $ | 15,177 |  |  | $ | 36,527 |  |  | $ | 84,029 |  |  | $ | 1,687,022 |  |  | $ | 1,807,578 |
Summary of Investment of PCI loans | The following tables present the aging of the recorded investment of PCI loans as of the dates stated.
|  | March 31, 2022 |
(Dollars in thousands) |  | 30-89 Days Past Due |  |  | Greater than 90 Days Past Due & Accruing |  |  | Current Loans |  |  | Total Loans |
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | 6,471 |  |  | $ | 6,471 |
Real estate – construction, commercial |  |  | — |  |  |  | — |  |  |  | 1,196 |  |  |  | 1,196 |
Real estate – mortgage, commercial |  |  | — |  |  |  | — |  |  |  | 42,031 |  |  |  | 42,031 |
Real estate – mortgage, residential |  |  | 146 |  |  |  | — |  |  |  | 7,407 |  |  |  | 7,553 |
Consumer |  |  | — |  |  |  | — |  |  |  | 590 |  |  |  | 590 |
Total PCI Loans |  | $ | 146 |  |  | $ | — |  |  | $ | 57,695 |  |  | $ | 57,841 |
|  | December 31, 2021 |
(Dollars in thousands) |  | 30-89 Days Past Due |  |  | Greater than 90 Days Past Due & Accruing |  |  | Current Loans |  |  | Total Loans |
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | 8,903 |  |  | $ | 8,903 |
Real estate – construction, commercial |  |  | — |  |  |  | — |  |  |  | 14,754 |  |  |  | 14,754 |
Real estate – mortgage, commercial |  |  | — |  |  |  | — |  |  |  | 51,872 |  |  |  | 51,872 |
Real estate – mortgage, residential |  |  | 147 |  |  |  | — |  |  |  | 7,474 |  |  |  | 7,621 |
Consumer |  |  | — |  |  |  | 4 |  |  |  | 875 |  |  |  | 879 |
Total PCI Loans |  | $ | 147 |  |  | $ | 4 |  |  | $ | 83,878 |  |  | $ | 84,029 |
Summary of Loan Portfolio Individually and Collectively Evaluated for Impairment | The following tables present a summary of the loan portfolio individually and collectively evaluated for impairment as of the dates stated.
|  | March 31, 2022 |
(Dollars in thousands) |  | Individually Evaluated for Impairment |  |  | Collectively Evaluated for Impairment |  |  | Total Loan Balances |  |  | Related Allowance for Loan Losses |
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | 6,471 |  |  | $ | 6,471 |  |  | $ | — |
Real estate – construction, commercial |  |  | — |  |  |  | 1,196 |  |  |  | 1,196 |  |  |  | — |
Real estate – mortgage, commercial |  |  | — |  |  |  | 42,031 |  |  |  | 42,031 |  |  |  | — |
Real estate – mortgage, residential |  |  | — |  |  |  | 7,553 |  |  |  | 7,553 |  |  |  | 117 |
Consumer |  |  | — |  |  |  | 590 |  |  |  | 590 |  |  |  | — |
Total PCI loans |  |  | — |  |  |  | 57,841 |  |  |  | 57,841 |  |  |  | 117 |
Originated and purchased performing loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 6,808 |  |  |  | 367,475 |  |  |  | 374,283 |  |  |  | 6,510 |
Real estate – construction, commercial |  |  | 523 |  |  |  | 122,804 |  |  |  | 123,327 |  |  |  | 1,282 |
Real estate – construction, residential |  |  | — |  |  |  | 60,195 |  |  |  | 60,195 |  |  |  | 469 |
Real estate – mortgage, commercial |  |  | 11,304 |  |  |  | 694,888 |  |  |  | 706,192 |  |  |  | 1,367 |
Real estate – mortgage, residential |  |  | 1,403 |  |  |  | 478,301 |  |  |  | 479,704 |  |  |  | 1,382 |
Real estate – mortgage, farmland |  |  | — |  |  |  | 6,062 |  |  |  | 6,062 |  |  |  | 21 |
Consumer |  |  | — |  |  |  | 36,778 |  |  |  | 36,778 |  |  |  | 865 |
Total originated and purchased performing loans |  |  | 20,038 |  |  |  | 1,766,503 |  |  |  | 1,786,541 |  |  |  | 11,896 |
Gross loans |  |  | 20,038 |  |  |  | 1,824,344 |  |  |  | 1,844,382 |  |  |  | 12,013 |
Less: deferred loan fees, net of costs |  |  | — |  |  |  | (1,087 | ) |  |  | (1,087 | ) |  |  | — |
Total |  | $ | 20,038 |  |  | $ | 1,823,257 |  |  | $ | 1,843,295 |  |  | $ | 12,013 |
|  | December 31, 2021 |
(Dollars in thousands) |  | Individually Evaluated for Impairment |  |  | Collectively Evaluated for Impairment |  |  | Total Loan Balances |  |  | Related Allowance for Loan Losses |
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | 8,903 |  |  | $ | 8,903 |  |  | $ | — |
Real estate – construction, commercial |  |  | — |  |  |  | 14,754 |  |  |  | 14,754 |  |  |  | — |
Real estate – mortgage, commercial |  |  | — |  |  |  | 51,872 |  |  |  | 51,872 |  |  |  | — |
Real estate – mortgage, residential |  |  | — |  |  |  | 7,621 |  |  |  | 7,621 |  |  |  | 117 |
Consumer |  |  | — |  |  |  | 879 |  |  |  | 879 |  |  |  | — |
Total PCI loans |  |  | — |  |  |  | 84,029 |  |  |  | 84,029 |  |  |  | 117 |
Originated and purchased performing loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 4,612 |  |  |  | 307,312 |  |  |  | 311,924 |  |  |  | 7,133 |
Real estate – construction, commercial |  |  | 527 |  |  |  | 131,242 |  |  |  | 131,769 |  |  |  | 953 |
Real estate – construction, residential |  |  | — |  |  |  | 58,857 |  |  |  | 58,857 |  |  |  | 395 |
Real estate – mortgage, commercial |  |  | 3,194 |  |  |  | 646,437 |  |  |  | 649,631 |  |  |  | 1,403 |
Real estate – mortgage, residential |  |  | 1,400 |  |  |  | 484,961 |  |  |  | 486,361 |  |  |  | 1,184 |
Real estate – mortgage, farmland |  |  | — |  |  |  | 6,173 |  |  |  | 6,173 |  |  |  | 23 |
Consumer |  |  | — |  |  |  | 48,998 |  |  |  | 48,998 |  |  |  | 913 |
Total originated and purchased performing loans |  |  | 9,733 |  |  |  | 1,683,980 |  |  |  | 1,693,713 |  |  |  | 12,004 |
Gross loans |  |  | 9,733 |  |  |  | 1,768,009 |  |  |  | 1,777,742 |  |  |  | 12,121 |
Less: deferred loan fees, net of costs |  |  | — |  |  |  | (570 | ) |  |  | (570 | ) |  |  | — |
Total |  | $ | 9,733 |  |  | $ | 1,767,439 |  |  | $ | 1,777,172 |  |  | $ | 12,121 |
Summary of Impaired Financing Receivables | The following tables present information related to impaired loans by loan type as of the dates and for the periods stated.
|  | March 31, 2022 |  |  | December 31, 2021 |
(Dollars in thousands) |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |  |  | Recorded Investment |  |  | Unpaid Principal Balance |  |  | Related Allowance |
With no specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,521 |  |  | $ | 6,054 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Real estate – construction, commercial |  |  | 523 |  |  |  | 522 |  |  |  | — |  |  |  | 527 |  |  |  | 527 |  |  |  | — |
Real estate – mortgage, commercial |  |  | 11,216 |  |  |  | 12,172 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – mortgage, residential |  |  | 1,345 |  |  |  | 1,339 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,287 |  |  | $ | 3,285 |  |  | $ | 640 |  |  | $ | 4,612 |  |  | $ | 4,612 |  |  | $ | 836 |
Real estate – mortgage, commercial |  |  | 88 |  |  |  | 87 |  |  |  | 1 |  |  |  | 3,194 |  |  |  | 3,849 |  |  |  | 1 |
Real estate – mortgage, residential |  |  | 58 |  |  |  | 59 |  |  |  | 15 |  |  |  | 1,400 |  |  |  | 1,400 |  |  |  | 42 |
Total |  | $ | 20,038 |  |  | $ | 23,518 |  |  | $ | 656 |  |  | $ | 9,733 |  |  | $ | 10,388 |  |  | $ | 879 |
|  | For the three months ended |
|  | March 31, 2022 |  |  | March 31, 2021 |
(Dollars in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 5,305 |  |  | $ | 62 |  |  | $ | 3,250 |  |  | $ | 35 |
Real estate – construction, commercial |  |  | 524 |  |  |  | — |  |  |  | 542 |  |  |  | 8 |
Real estate – mortgage, commercial |  |  | 11,880 |  |  |  | 48 |  |  |  | 1,384 |  |  |  | 14 |
Real estate – mortgage, residential |  |  | 1,342 |  |  |  | 14 |  |  |  | 583 |  |  |  | 6 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,290 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Real estate – mortgage, commercial |  |  | 88 |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – mortgage, residential |  |  | 59 |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 22,488 |  |  | $ | 124 |  |  | $ | 5,759 |  |  | $ | 63 |
Summary of Allowance for Loans Losses | The following table presents an analysis of the change in the ALL by loan type as of the dates and for the periods stated.
|  | For the three months ended March 31, |
(Dollars in thousands) |  | 2022 |  |  | 2021 |
ALL, beginning of period |  | $ | 12,121 |  |  | $ | 13,827 |
Charge-offs |  |  |  |  |  |
Commercial and industrial |  |  | (2,401 | ) |  |  | (359 | )
Real estate – construction |  |  | (123 | ) |  |  | — |
Real estate – mortgage |  |  | (16 | ) |  |  | (12 | )
Consumer |  |  | (279 | ) |  |  | (263 | )
Total charge-offs |  |  | (2,819 | ) |  |  | (634 | )
Recoveries |  |  |  |  |  |
Commercial and industrial |  |  | 74 |  |  |  | 56 |
Real estate – construction |  |  | 12 |  |  |  | — |
Real estate – mortgage |  |  | 4 |  |  |  | 16 |
Consumer |  |  | 121 |  |  |  | 137 |
Total recoveries |  |  | 211 |  |  |  | 209 |
Net charge-offs |  |  | (2,608 | ) |  |  | (425 | )
Provision for loan losses |  |  | 2,500 |  |  |  | — |
ALL, end of period |  | $ | 12,013 |  |  | $ | 13,402 |
Summary of Accounts Notes Loans and Financing Receivable | The following tables present the Company’s loan portfolio by internal loan grade as of the dates stated.
|  | March 31, 2022 |
(Dollars in thousands) |  | Grade 1 Prime |  |  | Grade 2 Desirable |  |  | Grade 3 Good |  |  | Grade 4 Acceptable |  |  | Grade 5 Pass/Watch |  |  | Grade 6 Special Mention |  |  | Grade 7 Substandard |  |  | Grade 8 Doubtful |  |  | Total |
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | 1,503 |  |  | $ | 2,524 |  |  | $ | 2 |  |  | $ | 989 |  |  | $ | 1,453 |  |  | $ | — |  |  | $ | 6,471 |
Real estate – construction, commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 5 |  |  |  | — |  |  |  | — |  |  |  | 1,191 |  |  |  | — |  |  |  | 1,196 |
Real estate – mortgage, commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,340 |  |  |  | 19,183 |  |  |  | 16,073 |  |  |  | 2,435 |  |  |  | — |  |  |  | 42,031 |
Real estate – mortgage residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 142 |  |  |  | 1,653 |  |  |  | 2,701 |  |  |  | 3,057 |  |  |  | — |  |  |  | 7,553 |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 215 |  |  |  | 366 |  |  |  | 8 |  |  |  | — |  |  |  | 589 |
Total PCI loans |  |  | — |  |  |  | — |  |  |  | 1,503 |  |  |  | 7,011 |  |  |  | 21,053 |  |  |  | 20,129 |  |  |  | 8,144 |  |  |  | — |  |  |  | 57,840 |
Originated and purchased performing loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 290 |  |  |  | 768 |  |  |  | 195,187 |  |  |  | 157,865 |  |  |  | 9,976 |  |  |  | 2,836 |  |  |  | 4,722 |  |  |  | 2,639 |  |  |  | 374,283 |
Paycheck Protection Program |  |  | 22,902 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 22,902 |
Real estate – construction, commercial |  |  | — |  |  |  | 395 |  |  |  | 22,895 |  |  |  | 90,618 |  |  |  | 8,632 |  |  |  | 149 |  |  |  | 637 |  |  |  | — |  |  |  | 123,326 |
Real estate – construction, residential |  |  | — |  |  |  | — |  |  |  | 10,390 |  |  |  | 47,331 |  |  |  | 2,235 |  |  |  | — |  |  |  | 240 |  |  |  | — |  |  |  | 60,196 |
Real estate – mortgage, commercial |  |  | — |  |  |  | 2,300 |  |  |  | 264,816 |  |  |  | 398,340 |  |  |  | 24,102 |  |  |  | 5,202 |  |  |  | 11,432 |  |  |  | — |  |  |  | 706,192 |
Real estate – mortgage residential |  |  | — |  |  |  | 7,925 |  |  |  | 254,089 |  |  |  | 199,388 |  |  |  | 10,552 |  |  |  | 873 |  |  |  | 6,877 |  |  |  | — |  |  |  | 479,704 |
Real estate – mortgage, farmland |  |  | 339 |  |  |  | — |  |  |  | 879 |  |  |  | 4,713 |  |  |  | 131 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,062 |
Consumer loans |  |  | 306 |  |  |  | 2 |  |  |  | 15,700 |  |  |  | 19,728 |  |  |  | 433 |  |  |  | 1 |  |  |  | 609 |  |  |  | — |  |  |  | 36,779 |
Total originated and purchased performing loans: |  |  | 23,837 |  |  |  | 11,390 |  |  |  | 763,956 |  |  |  | 917,983 |  |  |  | 56,061 |  |  |  | 9,061 |  |  |  | 24,517 |  |  |  | 2,639 |  |  |  | 1,809,444 |
Gross loans |  | $ | 23,837 |  |  | $ | 11,390 |  |  | $ | 765,459 |  |  | $ | 924,994 |  |  | $ | 77,114 |  |  | $ | 29,190 |  |  | $ | 32,661 |  |  | $ | 2,639 |  |  | $ | 1,867,284 |
Less: deferred loan fees, net of costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (1,087 | )
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,866,197 |
|  | December 31, 2021 |
(Dollars in thousands) |  | Grade 1 Prime |  |  | Grade 2 Desirable |  |  | Grade 3 Good |  |  | Grade 4 Acceptable |  |  | Grade 5 Pass/Watch |  |  | Grade 6 Special Mention |  |  | Grade 7 Substandard |  |  | Grade 8 Doubtful |  |  | Total |
PCI loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1,567 |  |  | $ | 2,818 |  |  | $ | 2,748 |  |  | $ | 1,770 |  |  | $ | — |  |  | $ | 8,903 |
Real estate – construction, commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,423 |  |  |  | — |  |  |  | 11,010 |  |  |  | 1,321 |  |  |  | — |  |  |  | 14,754 |
Real estate – mortgage, commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,642 |  |  |  | 3,892 |  |  |  | 33,487 |  |  |  | 11,851 |  |  |  | — |  |  |  | 51,872 |
Real estate – mortgage residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 142 |  |  |  | 1,657 |  |  |  | 2,709 |  |  |  | 3,113 |  |  |  | — |  |  |  | 7,621 |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 388 |  |  |  | 481 |  |  |  | 10 |  |  |  | — |  |  |  | 879 |
Total PCI loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,774 |  |  |  | 8,755 |  |  |  | 50,435 |  |  |  | 18,065 |  |  |  | — |  |  |  | 84,029 |
Originated and purchased performing loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 291 |  |  |  | 560 |  |  |  | 156,519 |  |  |  | 133,738 |  |  |  | 11,256 |  |  |  | 3,180 |  |  |  | 6,380 |  |  |  | — |  |  |  | 311,924 |
Paycheck Protection Program |  |  | 30,742 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 30,742 |
Real estate – construction, commercial |  |  | — |  |  |  | 412 |  |  |  | 28,973 |  |  |  | 91,900 |  |  |  | 7,995 |  |  |  | 1,846 |  |  |  | 643 |  |  |  | — |  |  |  | 131,769 |
Real estate – construction, residential |  |  | — |  |  |  | — |  |  |  | 14,610 |  |  |  | 40,418 |  |  |  | 3,416 |  |  |  | — |  |  |  | 413 |  |  |  | — |  |  |  | 58,857 |
Real estate – mortgage, commercial |  |  | — |  |  |  | 2,382 |  |  |  | 307,067 |  |  |  | 283,165 |  |  |  | 34,750 |  |  |  | 17,133 |  |  |  | 5,134 |  |  |  | — |  |  |  | 649,631 |
Real estate – mortgage residential |  |  | 990 |  |  |  | 9,218 |  |  |  | 276,992 |  |  |  | 180,980 |  |  |  | 11,107 |  |  |  | 974 |  |  |  | 6,100 |  |  |  | — |  |  |  | 486,361 |
Real estate – mortgage, farmland |  |  | 340 |  |  |  | — |  |  |  | 1,067 |  |  |  | 4,766 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,173 |
Consumer loans |  |  | 262 |  |  |  | 3 |  |  |  | 16,920 |  |  |  | 30,691 |  |  |  | 542 |  |  |  | — |  |  |  | 580 |  |  |  | — |  |  |  | 48,998 |
Total originated and purchased performing loans: |  |  | 32,625 |  |  |  | 12,575 |  |  |  | 802,148 |  |  |  | 765,658 |  |  |  | 69,066 |  |  |  | 23,133 |  |  |  | 19,250 |  |  |  | — |  |  |  | 1,724,455 |
Gross loans |  | $ | 32,625 |  |  | $ | 12,575 |  |  | $ | 802,148 |  |  | $ | 772,432 |  |  | $ | 77,821 |  |  | $ | 73,568 |  |  | $ | 37,315 |  |  | $ | — |  |  | $ | 1,808,484 |
Less: deferred loan fees, net of costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (906 | )
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 1,807,578 |

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