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Loans and Allowance for Loan Losses (Tables) | 9 Months Ended
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Sep. 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) |  | September 30, 2022 |  |  | December 31, 2021 |
Commercial and industrial |  | $ | 522,281 |  |  | $ | 320,827 |
Paycheck Protection Program |  |  | 13,148 |  |  |  | 30,742 |
Real estate – construction, commercial |  |  | 145,066 |  |  |  | 146,523 |
Real estate – construction, residential |  |  | 77,085 |  |  |  | 58,857 |
Real estate – mortgage, commercial |  |  | 800,134 |  |  |  | 701,503 |
Real estate – mortgage, residential |  |  | 569,931 |  |  |  | 493,982 |
Real estate – mortgage, farmland |  |  | 6,757 |  |  |  | 6,173 |
Consumer |  |  | 38,400 |  |  |  | 49,877 |
Gross loans |  |  | 2,172,802 |  |  |  | 1,808,484 |
Less: deferred loan fees, net of costs |  |  | (1,312 | ) |  |  | (906 | )
Total |  | $ | 2,171,490 |  |  | $ | 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) |  | September 30, 2022 |  |  | December 31, 2021 |
PCI loans |  |  |  |  |  |
Outstanding principal balance |  | $ | 73,659 |  |  | $ | 97,418 |
Recorded investment |  |  | 65,190 |  |  |  | 84,029 |
Purchased performing loans |  |  |  |  |  |
Outstanding principal balance |  |  | 559,982 |  |  |  | 706,147 |
Recorded investment |  |  | 558,078 |  |  |  | 703,333 |
Total acquired loans |  |  |  |  |  |
Outstanding principal balance |  |  | 633,641 |  |  |  | 803,565 |
Recorded investment |  |  | 623,268 |  |  |  | 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 September 30, |  |  | For the nine months ended September 30, |
(Dollars in thousands) |  | 2022 |  |  | 2021 |  |  | 2022 |  |  | 2021 |
Balance, beginning of period |  | $ | 12,945 |  |  | $ | 7,830 |  |  | $ | 16,849 |  |  | $ | 123 |
Additions |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 10,030 |
Accretion |  |  | (1,108 | ) |  |  | (1,239 | ) |  |  | (6,370 | ) |  |  | (3,704 | )
Reclassification of nonaccretable difference due to improvement in expected cash flows |  |  | — |  |  |  | — |  |  |  | 2,515 |  |  |  | 106 |
Other changes, net |  |  | — |  |  |  | — |  |  |  | (1,157 | ) |  |  | 36 |
Balance, end of period |  | $ | 11,837 |  |  | $ | 6,591 |  |  | $ | 11,837 |  |  | $ | 6,591 |
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.
|  | September 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 |  | $ | 237 |  |  | $ | 162 |  |  | $ | — |  |  | $ | 1,815 |  |  | $ | 2,214 |  |  | $ | 3,461 |  |  | $ | 516,606 |  |  | $ | 522,281 |
Paycheck Protection Program |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13,148 |  |  |  | 13,148 |
Real estate – construction, commercial |  |  | — |  |  |  | 47 |  |  |  | — |  |  |  | 716 |  |  |  | 763 |  |  |  | 1,201 |  |  |  | 143,102 |  |  |  | 145,066 |
Real estate – construction, residential |  |  | 1,207 |  |  |  | 269 |  |  |  | — |  |  |  | 11 |  |  |  | 1,487 |  |  |  | — |  |  |  | 75,598 |  |  |  | 77,085 |
Real estate – mortgage, commercial |  |  | 196 |  |  |  | 262 |  |  |  | — |  |  |  | 1,841 |  |  |  | 2,299 |  |  |  | 54,433 |  |  |  | 743,402 |  |  |  | 800,134 |
Real estate – mortgage, residential |  |  | 864 |  |  |  | 939 |  |  |  | — |  |  |  | 5,088 |  |  |  | 6,891 |  |  |  | 5,732 |  |  |  | 557,308 |  |  |  | 569,931 |
Real estate – mortgage, farmland |  |  | — |  |  |  | 403 |  |  |  | 81 |  |  |  | — |  |  |  | 484 |  |  |  | — |  |  |  | 6,273 |  |  |  | 6,757 |
Consumer |  |  | 419 |  |  |  | 57 |  |  |  | — |  |  |  | 569 |  |  |  | 1,045 |  |  |  | 363 |  |  |  | 36,992 |  |  |  | 38,400 |
Less: deferred loan fees, net of costs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (1,312 | ) |  |  | (1,312 | )
Total Loans |  | $ | 2,923 |  |  | $ | 2,139 |  |  | $ | 81 |  |  | $ | 10,040 |  |  | $ | 15,183 |  |  | $ | 65,190 |  |  | $ | 2,091,117 |  |  | $ | 2,171,490 |
|  | 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.
|  | September 30, 2022 |
(Dollars in thousands) |  | 30-89 Days Past Due |  |  | Greater than 90 Days Past Due & Accruing |  |  | Current Loans |  |  | Total Loans |
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | 3,461 |  |  | $ | 3,461 |
Real estate – construction, commercial |  |  | — |  |  |  | — |  |  |  | 1,201 |  |  |  | 1,201 |
Real estate – mortgage, commercial |  |  | — |  |  |  | — |  |  |  | 54,433 |  |  |  | 54,433 |
Real estate – mortgage, residential |  |  | 553 |  |  |  | — |  |  |  | 5,179 |  |  |  | 5,732 |
Consumer |  |  | — |  |  |  | — |  |  |  | 363 |  |  |  | 363 |
Total PCI Loans |  | $ | 553 |  |  | $ | — |  |  | $ | 64,637 |  |  | $ | 65,190 |
|  | 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.
|  | September 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 |  | $ | — |  |  | $ | 3,461 |  |  | $ | 3,461 |  |  | $ | — |
Real estate – construction, commercial |  |  | — |  |  |  | 1,201 |  |  |  | 1,201 |  |  |  | — |
Real estate – mortgage, commercial |  |  | — |  |  |  | 54,433 |  |  |  | 54,433 |  |  |  | — |
Real estate – mortgage, residential |  |  | — |  |  |  | 5,732 |  |  |  | 5,732 |  |  |  | 11 |
Consumer |  |  | — |  |  |  | 363 |  |  |  | 363 |  |  |  | — |
Total PCI loans |  |  | — |  |  |  | 65,190 |  |  |  | 65,190 |  |  |  | 11 |
Originated and purchased performing loans: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 5,705 |  |  |  | 513,115 |  |  |  | 518,820 |  |  |  | 13,154 |
Real estate – construction, commercial |  |  | 521 |  |  |  | 143,344 |  |  |  | 143,865 |  |  |  | 1,078 |
Real estate – construction, residential |  |  | — |  |  |  | 77,085 |  |  |  | 77,085 |  |  |  | 127 |
Real estate – mortgage, commercial |  |  | 2,762 |  |  |  | 742,939 |  |  |  | 745,701 |  |  |  | 2,539 |
Real estate – mortgage, residential |  |  | 1,337 |  |  |  | 562,862 |  |  |  | 564,199 |  |  |  | 2,542 |
Real estate – mortgage, farmland |  |  | — |  |  |  | 6,757 |  |  |  | 6,757 |  |  |  | 33 |
Consumer |  |  | — |  |  |  | 38,037 |  |  |  | 38,037 |  |  |  | 1,050 |
Total originated and purchased performing loans |  |  | 10,325 |  |  |  | 2,084,139 |  |  |  | 2,094,464 |  |  |  | 20,523 |
Gross loans |  |  | 10,325 |  |  |  | 2,149,329 |  |  |  | 2,159,654 |  |  |  | 20,534 |
Less: deferred loan fees, net of costs |  |  | — |  |  |  | (1,312 | ) |  |  | (1,312 | ) |  |  | — |
Total |  | $ | 10,325 |  |  | $ | 2,148,017 |  |  | $ | 2,158,342 |  |  | $ | 20,534 |
|  | 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.
|  | September 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 |  | $ | 1,689 |  |  | $ | 5,165 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Real estate – construction, commercial |  |  | 521 |  |  |  | 521 |  |  |  | — |  |  |  | 527 |  |  |  | 527 |  |  |  | — |
Real estate – mortgage, commercial |  |  | 2,715 |  |  |  | 2,829 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate – mortgage, residential |  |  | 1,195 |  |  |  | 1,188 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 4,016 |  |  | $ | 4,016 |  |  | $ | 747 |  |  | $ | 4,612 |  |  | $ | 4,612 |  |  | $ | 836 |
Real estate – mortgage, commercial |  |  | 47 |  |  |  | 662 |  |  |  | 301 |  |  |  | 3,194 |  |  |  | 3,849 |  |  |  | 1 |
Real estate – mortgage, residential |  |  | 142 |  |  |  | 142 |  |  |  | 15 |  |  |  | 1,400 |  |  |  | 1,400 |  |  |  | 42 |
Total |  | $ | 10,325 |  |  | $ | 14,523 |  |  | $ | 1,063 |  |  | $ | 9,733 |  |  | $ | 10,388 |  |  | $ | 879 |
|  | For the three months ended |
|  | September 30, 2022 |  |  | September 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 |  | $ | 5,197 |  |  | $ | — |  |  | $ | 4,710 |  |  | $ | 53 |
Real estate – construction, commercial |  |  | 521 |  |  |  | 8 |  |  |  | 532 |  |  |  | 8 |
Real estate – mortgage, commercial |  |  | 2,839 |  |  |  | 26 |  |  |  | 1,378 |  |  |  | 21 |
Real estate – mortgage, residential |  |  | 1,188 |  |  |  | 5 |  |  |  | 1,421 |  |  |  | 5 |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 4,024 |  |  | $ | 44 |  |  | $ | — |  |  | $ | — |
Real estate – mortgage, commercial |  |  | 851 |  |  |  | 1 |  |  |  | — |  |  |  | — |
Real estate – mortgage, residential |  |  | 142 |  |  |  | 1 |  |  |  | — |  |  |  | — |
Total |  | $ | 14,762 |  |  | $ | 85 |  |  | $ | 8,041 |  |  | $ | 87 |
|  | For the nine months ended |
|  | September 30, 2022 |  |  | September 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 |  | $ | 5,568 |  |  | $ | 74 |  |  | $ | 4,390 |  |  | $ | 149 |
Real estate – construction, commercial |  |  | 522 |  |  |  | 16 |  |  |  | 537 |  |  |  | 24 |
Real estate – mortgage, commercial |  |  | 6,991 |  |  |  | 174 |  |  |  | 1,402 |  |  |  | 62 |
Real estate – mortgage, residential |  |  | 1,324 |  |  |  | 22 |  |  |  | 1,078 |  |  |  | 11 |
With an allowance recorded: |  |  | — |  |  |  | — |  |  |  |  |  |  |
Commercial and industrial |  | $ | 4,644 |  |  | $ | 77 |  |  | $ | — |  |  | $ | — |
Real estate – mortgage, commercial |  |  | 1,503 |  |  |  | 3 |  |  |  | — |  |  |  | — |
Real estate – mortgage, residential |  |  | 86 |  |  |  | 6 |  |  |  | — |  |  |  | — |
Total |  | $ | 20,639 |  |  | $ | 372 |  |  | $ | 7,407 |  |  | $ | 246 |
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 September 30, |  |  | For the nine months ended September 30, |
(Dollars in thousands) |  | 2022 |  |  | 2021 |  |  | 2022 |  |  | 2021 |
ALL, beginning of period |  | $ | 17,242 |  |  | $ | 13,007 |  |  | $ | 12,121 |  |  | $ | 13,827 |
Charge-offs |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | (6 | ) |  |  | (18 | ) |  |  | (3,752 | ) |  |  | (968 | )
Real estate – construction |  |  | (39 | ) |  |  | — |  |  |  | (162 | ) |  |  | — |
Real estate – mortgage |  |  | (51 | ) |  |  | (133 | ) |  |  | (1,145 | ) |  |  | (146 | )
Consumer |  |  | (651 | ) |  |  | (361 | ) |  |  | (1,255 | ) |  |  | (757 | )
Total charge-offs |  |  | (747 | ) |  |  | (512 | ) |  |  | (6,314 | ) |  |  | (1,871 | )
Recoveries |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 6 |  |  |  | 26 |  |  |  | 43 |  |  |  | 210 |
Real estate – construction |  |  | 24 |  |  |  | — |  |  |  | 40 |  |  |  | — |
Real estate – mortgage |  |  | 2 |  |  |  | 5 |  |  |  | 393 |  |  |  | 108 |
Consumer |  |  | 107 |  |  |  | 88 |  |  |  | 357 |  |  |  | 340 |
Total recoveries |  |  | 139 |  |  |  | 119 |  |  |  | 833 |  |  |  | 658 |
Net charge-offs |  |  | (608 | ) |  |  | (393 | ) |  |  | (5,481 | ) |  |  | (1,213 | )
Provision for loan losses |  |  | 3,900 |  |  |  | — |  |  |  | 13,894 |  |  |  | — |
ALL, end of period |  | $ | 20,534 |  |  | $ | 12,614 |  |  | $ | 20,534 |  |  | $ | 12,614 |
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.
|  | September 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 |  | $ | — |  |  | $ | — |  |  | $ | 990 |  |  | $ | 1,445 |  |  | $ | 1 |  |  | $ | 510 |  |  | $ | 98 |  |  | $ | 417 |  |  | $ | 3,461 |
Real estate – construction, commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 24 |  |  |  | — |  |  |  | — |  |  |  | 1,177 |  |  |  | — |  |  |  | 1,201 |
Real estate – mortgage, commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 18,466 |  |  |  | 26,615 |  |  |  | 7,051 |  |  |  | 2,302 |  |  |  | — |  |  |  | 54,434 |
Real estate – mortgage residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,387 |  |  |  | 1,430 |  |  |  | 1,172 |  |  |  | 1,742 |  |  |  | — |  |  |  | 5,731 |
Consumer loans |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 356 |  |  |  | 7 |  |  |  | — |  |  |  | 363 |
Total PCI loans |  |  | — |  |  |  | — |  |  |  | 990 |  |  |  | 21,322 |  |  |  | 28,046 |  |  |  | 9,089 |  |  |  | 5,326 |  |  |  | 417 |  |  |  | 65,190 |
Originated and purchased performing loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  |  | 368 |  |  |  | 887 |  |  |  | 207,059 |  |  |  | 292,346 |  |  |  | 11,039 |  |  |  | 1,201 |  |  |  | 5,540 |  |  |  | 380 |  |  |  | 518,820 |
Paycheck Protection Program |  |  | 13,148 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 13,148 |
Real estate – construction, commercial |  |  | — |  |  |  | 369 |  |  |  | 14,410 |  |  |  | 117,634 |  |  |  | 10,565 |  |  |  | 65 |  |  |  | 822 |  |  |  | — |  |  |  | 143,865 |
Real estate – construction, residential |  |  | — |  |  |  | — |  |  |  | 8,904 |  |  |  | 66,558 |  |  |  | 1,623 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 77,085 |
Real estate – mortgage, commercial |  |  | — |  |  |  | 2,190 |  |  |  | 235,649 |  |  |  | 453,618 |  |  |  | 46,213 |  |  |  | 5,052 |  |  |  | 2,978 |  |  |  | — |  |  |  | 745,700 |
Real estate – mortgage residential |  |  | 840 |  |  |  | 7,817 |  |  |  | 239,060 |  |  |  | 298,608 |  |  |  | 10,501 |  |  |  | 24 |  |  |  | 7,350 |  |  |  | — |  |  |  | 564,200 |
Real estate – mortgage, farmland |  |  | 606 |  |  |  | — |  |  |  | 1,364 |  |  |  | 4,660 |  |  |  | 127 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6,757 |
Consumer loans |  |  | 179 |  |  |  | — |  |  |  | 17,965 |  |  |  | 18,887 |  |  |  | 362 |  |  |  | 1 |  |  |  | 643 |  |  |  | — |  |  |  | 38,037 |
Total originated and purchased performing loans: |  |  | 15,141 |  |  |  | 11,263 |  |  |  | 724,411 |  |  |  | 1,252,311 |  |  |  | 80,430 |  |  |  | 6,343 |  |  |  | 17,333 |  |  |  | 380 |  |  |  | 2,107,612 |
Gross loans |  | $ | 15,141 |  |  | $ | 11,263 |  |  | $ | 725,401 |  |  | $ | 1,273,633 |  |  | $ | 108,476 |  |  | $ | 15,432 |  |  | $ | 22,659 |  |  | $ | 797 |  |  | $ | 2,172,802 |
Less: deferred loan fees, net of costs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | (1,312 | )
Total |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $ | 2,171,490 |
|  | 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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