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Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 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) |  | June 30, 2022 |  |  | December 31, 2021 |
Commercial and industrial |  | $ | 496,962 |  |  | $ | 320,827 |
Paycheck Protection Program |  |  | 15,654 |  |  |  | 30,742 |
Real estate – construction, commercial |  |  | 122,455 |  |  |  | 146,523 |
Real estate – construction, residential |  |  | 70,860 |  |  |  | 58,857 |
Real estate – mortgage, commercial |  |  | 791,465 |  |  |  | 701,503 |
Real estate – mortgage, residential |  |  | 522,219 |  |  |  | 493,982 |
Real estate – mortgage, farmland |  |  | 6,880 |  |  |  | 6,173 |
Consumer |  |  | 39,092 |  |  |  | 49,877 |
Gross loans |  |  | 2,065,587 |  |  |  | 1,808,484 |
Less: deferred loan fees, net of costs |  |  | (1,550 | ) |  |  | (906 | )
Total |  | $ | 2,064,037 |  |  | $ | 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) |  | June 30, 2022 |  |  | December 31, 2021 |
PCI loans |  |  |  |  |  |
Outstanding principal balance |  | $ | 75,897 |  |  | $ | 97,418 |
Recorded investment |  |  | 66,021 |  |  |  | 84,029 |
Purchased performing loans |  |  |  |  |  |
Outstanding principal balance |  |  | 607,497 |  |  |  | 706,147 |
Recorded investment |  |  | 605,152 |  |  |  | 703,333 |
Total acquired loans |  |  |  |  |  |
Outstanding principal balance |  |  | 683,394 |  |  |  | 803,565 |
Recorded investment |  |  | 671,173 |  |  |  | 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 June 30, |  |  | For the six months ended June 30, |
(Dollars in thousands) |  | 2022 |  |  | 2021 |  |  | 2022 |  |  | 2021 |
Balance, beginning of period |  | $ | 13,337 |  |  | $ | 9,439 |  |  | $ | 16,849 |  |  | $ | 123 |
Additions |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 10,030 |
Accretion |  |  | (1,750 | ) |  |  | (1,625 | ) |  |  | (5,262 | ) |  |  | (2,465 | )
Reclassification of nonaccretable difference due to improvement in expected cash flows |  |  | 2,515 |  |  |  | 2 |  |  |  | 2,515 |  |  |  | 106 |
Other changes, net |  |  | (1,157 | ) |  |  | 14 |  |  |  | (1,157 | ) |  |  | 36 |
Balance, end of period |  | $ | 12,945 |  |  | $ | 7,830 |  |  | $ | 12,945 |  |  | $ | 7,830 |
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.
|  | June 30, 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 |  | $ | 652 |  |  | $ | 11 |  |  | $ | — |  |  | $ | 3,993 |  |  | $ | 4,656 |  |  | $ | 3,516 |  |  | $ | 488,790 |  |  | $ | 496,962 |
Paycheck Protection Program |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 15,654 |  |  |  | 15,654 |
Real estate – construction, commercial |  |  | 1,794 |  |  |  | 521 |  |  |  | — |  |  |  | 352 |  |  |  | 2,667 |  |  |  | 1,191 |  |  |  | 118,597 |  |  |  | 122,455 |
Real estate – construction, residential |  |  | — |  |  |  | 183 |  |  |  | — |  |  |  | 329 |  |  |  | 512 |  |  |  | — |  |  |  | 70,348 |  |  |  | 70,860 |
Real estate – mortgage, commercial |  |  | 1,397 |  |  |  | — |  |  |  | — |  |  |  | 952 |  |  |  | 2,349 |  |  |  | 55,042 |  |  |  | 734,074 |  |  |  | 791,465 |
Real estate – mortgage, residential |  |  | 602 |  |  |  | 2,428 |  |  |  | — |  |  |  | 5,599 |  |  |  | 8,629 |  |  |  | 5,903 |  |  |  | 507,687 |  |  |  | 522,219 |
Real estate – mortgage, farmland |  |  | 625 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 625 |  |  |  | — |  |  |  | 6,255 |  |  |  | 6,880 |
Consumer |  |  | 768 |  |  |  | 76 |  |  |  | 308 |  |  |  | 648 |  |  |  | 1,800 |  |  |  | 369 |  |  |  | 36,923 |  |  |  | 39,092 |
Less: deferred loan fees, net of costs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (1,550 | ) |  |  | (1,550 | )
Total Loans |  | $ | 5,838 |  |  | $ | 3,219 |  |  | $ | 308 |  |  | $ | 11,873 |  |  | $ | 21,238 |  |  | $ | 66,021 |  |  | $ | 1,976,778 |  |  | $ | 2,064,037 |
|  | 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.
|  | June 30, 2022 |
(Dollars in thousands) |  | 30-89 Days Past Due |  |  | Greater than 90 Days Past Due & Accruing |  |  | Current Loans |  |  | Total Loans |
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | 3,516 |  |  | $ | 3,516 |
Real estate – construction, commercial |  |  | — |  |  |  | — |  |  |  | 1,191 |  |  |  | 1,191 |
Real estate – mortgage, commercial |  |  | — |  |  |  | — |  |  |  | 55,042 |  |  |  | 55,042 |
Real estate – mortgage, residential |  |  | 24 |  |  |  | — |  |  |  | 5,879 |  |  |  | 5,903 |
Consumer |  |  | — |  |  |  | — |  |  |  | 369 |  |  |  | 369 |
Total PCI Loans |  | $ | 24 |  |  | $ | — |  |  | $ | 65,997 |  |  | $ | 66,021 |
|  | 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.
|  | June 30, 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 |  | $ | — |  |  | $ | 3,516 |  |  | $ | 3,516 |  |  | $ | — |
Real estate – construction, commercial |  |  | — |  |  |  | 1,191 |  |  |  | 1,191 |  |  |  | — |
Real estate – mortgage, commercial |  |  | — |  |  |  | 55,042 |  |  |  | 55,042 |  |  |  | — |
Real estate – mortgage, residential |  |  | — |  |  |  | 5,903 |  |  |  | 5,903 |  |  |  | 11 |
Consumer |  |  | — |  |  |  | 369 |  |  |  | 369 |  |  |  | — |
Total PCI loans |  |  | — |  |  |  | 66,021 |  |  |  | 66,021 |  |  |  | 11 |
Originated and purchased performing loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 7,858 |  |  |  | 485,588 |  |  |  | 493,446 |  |  |  | 10,435 |
Real estate – construction, commercial |  |  | 527 |  |  |  | 121,928 |  |  |  | 122,455 |  |  |  | 284 |
Real estate – construction, residential |  |  | — |  |  |  | 69,669 |  |  |  | 69,669 |  |  |  | 117 |
Real estate – mortgage, commercial |  |  | 9,013 |  |  |  | 727,410 |  |  |  | 736,423 |  |  |  | 2,903 |
Real estate – mortgage, residential |  |  | 1,500 |  |  |  | 514,816 |  |  |  | 516,316 |  |  |  | 2,345 |
Real estate – mortgage, farmland |  |  | — |  |  |  | 6,880 |  |  |  | 6,880 |  |  |  | 25 |
Consumer |  |  | — |  |  |  | 38,723 |  |  |  | 38,723 |  |  |  | 1,122 |
Total originated and purchased performing loans |  |  | 18,898 |  |  |  | 1,965,014 |  |  |  | 1,983,912 |  |  |  | 17,231 |
Gross loans |  |  | 18,898 |  |  |  | 2,031,035 |  |  |  | 2,049,933 |  |  |  | 17,242 |
Less: deferred loan fees, net of costs |  |  | — |  |  |  | (1,550 | ) |  |  | (1,550 | ) |  |  | — |
Total |  | $ | 18,898 |  |  | $ | 2,029,485 |  |  | $ | 2,048,383 |  |  | $ | 17,242 |
|  | 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.
|  | June 30, 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 |  | $ | 4,290 |  |  | $ | 8,061 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Real estate – construction, commercial |  |  | 527 |  |  |  | 521 |  |  |  | — |  |  |  | 527 |  |  |  | 527 |  |  |  | — |
Real estate – mortgage, commercial |  |  | 5,973 |  |  |  | 6,229 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – mortgage, residential |  |  | 1,442 |  |  |  | 1,439 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,568 |  |  | $ | 5,875 |  |  | $ | 360 |  |  | $ | 4,612 |  |  | $ | 4,612 |  |  | $ | 836 |
Real estate – mortgage, commercial |  |  | 3,040 |  |  |  | 3,039 |  |  |  | 1 |  |  |  | 3,194 |  |  |  | 3,849 |  |  |  | 1 |
Real estate – mortgage, residential |  |  | 58 |  |  |  | 58 |  |  |  | 14 |  |  |  | 1,400 |  |  |  | 1,400 |  |  |  | 42 |
Total |  | $ | 18,898 |  |  | $ | 25,222 |  |  | $ | 375 |  |  | $ | 9,733 |  |  | $ | 10,388 |  |  | $ | 879 |
|  | For the three months ended |
|  | June 30, 2022 |  |  | June 30, 2021 |
(Dollars in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 6,203 |  |  | $ | 12 |  |  | $ | 4,324 |  |  | $ | 49 |
Real estate – construction, commercial |  |  | 521 |  |  |  | 8 |  |  |  | 537 |  |  |  | 8 |
Real estate – mortgage, commercial |  |  | 6,254 |  |  |  | 100 |  |  |  | 185 |  |  |  | 3 |
Real estate – mortgage, residential |  |  | 1,441 |  |  |  | 3 |  |  |  | 920 |  |  |  | 7 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 6,619 |  |  | $ | 33 |  |  | $ | — |  |  | $ | — |
Real estate – mortgage, commercial |  |  | 3,570 |  |  |  | 2 |  |  |  | 1,207 |  |  |  | 17 |
Real estate – mortgage, residential |  |  | 58 |  |  |  | 5 |  |  |  | 57 |  |  |  | — |
Total |  | $ | 24,666 |  |  | $ | 163 |  |  | $ | 7,230 |  |  | $ | 84 |
|  | For the six months ended |
|  | June 30, 2022 |  |  | June 30, 2021 |
(Dollars in thousands) |  | Average Recorded Investment |  |  | Interest Income Recognized |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
With no specific allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 5,754 |  |  | $ | 74 |  |  | $ | 4,409 |  |  | $ | 99 |
Real estate – construction, commercial |  |  | 523 |  |  |  | 8 |  |  |  | 539 |  |  |  | 16 |
Real estate – mortgage, commercial |  |  | 9,067 |  |  |  | 148 |  |  |  | 210 |  |  |  | 7 |
Real estate – mortgage, residential |  |  | 1,392 |  |  |  | 17 |  |  |  | 890 |  |  |  | 13 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 4,955 |  |  | $ | 33 |  |  | $ | — |  |  | $ | — |
Real estate – mortgage, commercial |  |  | 1,829 |  |  |  | 2 |  |  |  | 1,211 |  |  |  | 34 |
Real estate – mortgage, residential |  |  | 59 |  |  |  | 5 |  |  |  | 116 |  |  |  | — |
Total |  | $ | 23,579 |  |  | $ | 287 |  |  | $ | 7,375 |  |  | $ | 169 |
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 June 30, |  |  | For the six months ended June 30, |
(Dollars in thousands) |  | 2022 |  |  | 2021 |  |  | 2022 |  |  | 2021 |
ALL, beginning of period |  | $ | 12,013 |  |  | $ | 13,402 |  |  | $ | 12,121 |  |  | $ | 13,827 |
Charge-offs |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | (1,383 | ) |  |  | (857 | ) |  |  | (3,746 | ) |  |  | (1,216 | )
Real estate – construction |  |  | — |  |  |  | — |  |  |  | (123 | ) |  |  | — |
Real estate – mortgage |  |  | (1,079 | ) |  |  | (1 | ) |  |  | (1,093 | ) |  |  | (13 | )
Consumer |  |  | (329 | ) |  |  | (133 | ) |  |  | (605 | ) |  |  | (396 | )
Total charge-offs |  |  | (2,791 | ) |  |  | (991 | ) |  |  | (5,567 | ) |  |  | (1,625 | )
Recoveries |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 2 |  |  |  | 394 |  |  |  | 37 |  |  |  | 450 |
Real estate – construction |  |  | 4 |  |  |  | — |  |  |  | 16 |  |  |  | — |
Real estate – mortgage |  |  | 387 |  |  |  | 87 |  |  |  | 391 |  |  |  | 103 |
Consumer |  |  | 133 |  |  |  | 115 |  |  |  | 250 |  |  |  | 252 |
Total recoveries |  |  | 526 |  |  |  | 596 |  |  |  | 694 |  |  |  | 805 |
Net charge-offs |  |  | (2,265 | ) |  |  | (395 | ) |  |  | (4,873 | ) |  |  | (820 | )
Provision for loan losses |  |  | 7,494 |  |  |  | — |  |  |  | 9,994 |  |  |  | — |
ALL, end of period |  | $ | 17,242 |  |  | $ | 13,007 |  |  | $ | 17,242 |  |  | $ | 13,007 |
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.
|  | June 30, 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 |  | $ | — |  |  | $ | — |  |  | $ | 991 |  |  | $ | 1,512 |  |  | $ | 1 |  |  | $ | 627 |  |  | $ | — |  |  | $ | 385 |  |  | $ | 3,516 |
Real estate – construction, commerecial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 23 |  |  |  | — |  |  |  | — |  |  |  | 1,168 |  |  |  | — |  |  |  | 1,191 |
Real estate – mortgage, commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 18,636 |  |  |  | 20,015 |  |  |  | 14,040 |  |  |  | 2,351 |  |  |  | — |  |  |  | 55,042 |
Real estate – mortgage residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,002 |  |  |  | 1,444 |  |  |  | 1,675 |  |  |  | 1,782 |  |  |  | — |  |  |  | 5,903 |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 361 |  |  |  | 8 |  |  |  | — |  |  |  | 369 |
Total PCI loans |  |  | — |  |  |  | — |  |  |  | 991 |  |  |  | 21,173 |  |  |  | 21,460 |  |  |  | 16,703 |  |  |  | 5,309 |  |  |  | 385 |  |  |  | 66,021 |
Originated and purchased performing loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 9,281 |  |  |  | 909 |  |  |  | 185,605 |  |  |  | 274,411 |  |  |  | 10,675 |  |  |  | 2,748 |  |  |  | 5,966 |  |  |  | 3,851 |  |  |  | 493,446 |
Paycheck Protection Program |  |  | 15,654 |  |  |  |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 15,654 |
Real estate – construction, commercial |  |  | — |  |  |  | 378 |  |  |  | 17,900 |  |  |  | 93,728 |  |  |  | 8,174 |  |  |  | 65 |  |  |  | 2,210 |  |  |  | — |  |  |  | 122,455 |
Real estate – construction, residential |  |  | — |  |  |  | — |  |  |  | 9,915 |  |  |  | 58,743 |  |  |  | 1,849 |  |  |  | — |  |  |  | (1,031 | ) |  |  | 193 |  |  |  | 69,669 |
Real estate – mortgage, commercial |  |  | — |  |  |  | 2,242 |  |  |  | 258,116 |  |  |  | 417,539 |  |  |  | 43,162 |  |  |  | 5,081 |  |  |  | 6,318 |  |  |  | 3,965 |  |  |  | 736,423 |
Real estate – mortgage residential |  |  | — |  |  |  | 7,417 |  |  |  | 243,445 |  |  |  | 245,797 |  |  |  | 10,630 |  |  |  | 25 |  |  |  | 9,002 |  |  |  | — |  |  |  | 516,316 |
Real estate – mortgage, farmland |  |  | 625 |  |  |  | — |  |  |  | 664 |  |  |  | 5,462 |  |  |  | 129 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,880 |
Consumer loans |  |  | 287 |  |  |  | — |  |  |  | 16,067 |  |  |  | 20,126 |  |  |  | 1,463 |  |  |  | 1 |  |  |  | 779 |  |  |  | — |  |  |  | 38,723 |
Total originated and purchased performing loans: |  |  | 25,847 |  |  |  | 10,946 |  |  |  | 731,712 |  |  |  | 1,115,806 |  |  |  | 76,082 |  |  |  | 7,920 |  |  |  | 23,244 |  |  |  | 8,009 |  |  |  | 1,999,566 |
Gross loans |  | $ | 25,847 |  |  | $ | 10,946 |  |  | $ | 732,703 |  |  | $ | 1,136,979 |  |  | $ | 97,542 |  |  | $ | 24,623 |  |  | $ | 28,553 |  |  | $ | 8,394 |  |  | $ | 2,065,587 |
Less: deferred loan fees, net of costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (1,550 | )
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 2,064,037 |
|  | 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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