XML 30 R20.htm IDEA: XBRL DOCUMENT
v3.22.1

Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2022
Receivables [Abstract] |
Schedule of composition of our loan portfolio |
|  | March 31, 2022 |  |  | December 31, 2021 |
(dollars in thousands) |  | Amount |  |  | % of Total |  |  | Amount |  |  | % of Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 527,776 |  |  |  | 19.8 | % |  | $ | 488,965 |  |  |  | 19.6 | %
Non-owner occupied RE |  |  | 705,811 |  |  |  | 26.5 | % |  |  | 666,833 |  |  |  | 26.8 | %
Construction |  |  | 75,015 |  |  |  | 2.8 | % |  |  | 64,425 |  |  |  | 2.6 | %
Business |  |  | 352,932 |  |  |  | 13.3 | % |  |  | 333,049 |  |  |  | 13.4 | %
Total commercial loans |  |  | 1,661,534 |  |  |  | 62.4 | % |  |  | 1,553,272 |  |  |  | 62.4 | %
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 745,667 |  |  |  | 28.0 | % |  |  | 694,401 |  |  |  | 27.9 | %
Home equity |  |  | 155,678 |  |  |  | 5.9 | % |  |  | 154,839 |  |  |  | 6.2 | %
Construction |  |  | 72,627 |  |  |  | 2.7 | % |  |  | 59,846 |  |  |  | 2.4 | %
Other |  |  | 25,169 |  |  |  | 1.0 | % |  |  | 27,519 |  |  |  | 1.1 | %
Total consumer loans |  |  | 999,141 |  |  |  | 37.6 | % |  |  | 936,605 |  |  |  | 37.6 | %
Total gross loans, net of deferred fees |  |  | 2,660,675 |  |  |  | 100.0 | % |  |  | 2,489,877 |  |  |  | 100.0 | %
Less—allowance for credit losses |  |  | (32,944 | ) |  |  |  |  |  |  | (30,408 | ) |  |  |  |
Total loans, net |  | $ | 2,627,731 |  |  |  |  |  |  | $ | 2,459,469 |  |  |  |  |
Schedule of loan maturity distribution by type and related interest rate |
|  | March 31, 2022 |
(dollars in thousands) |  | One year or less |  |  | After one but within five years |  |  | After five but within fifteen years |  |  | After fifteen years |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 15,677 |  |  |  | 116,156 |  |  |  | 353,233 |  |  |  | 42,710 |  |  |  | 527,776 |
Non-owner occupied RE |  |  | 48,491 |  |  |  | 338,553 |  |  |  | 290,547 |  |  |  | 28,220 |  |  |  | 705,811 |
Construction |  |  | 4,668 |  |  |  | 24,360 |  |  |  | 36,711 |  |  |  | 9,276 |  |  |  | 75,015 |
Business |  |  | 71,844 |  |  |  | 155,045 |  |  |  | 122,820 |  |  |  | 3,223 |  |  |  | 352,932 |
Total commercial loans |  |  | 140,680 |  |  |  | 634,114 |  |  |  | 803,311 |  |  |  | 83,429 |  |  |  | 1,661,534 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 9,839 |  |  |  | 45,057 |  |  |  | 182,195 |  |  |  | 508,576 |  |  |  | 745,667 |
Home equity |  |  | 2,309 |  |  |  | 20,411 |  |  |  | 127,604 |  |  |  | 5,354 |  |  |  | 155,678 |
Construction |  |  | 932 |  |  |  | 1,651 |  |  |  | 8,858 |  |  |  | 61,186 |  |  |  | 72,627 |
Other |  |  | 5,160 |  |  |  | 16,368 |  |  |  | 3,219 |  |  |  | 422 |  |  |  | 25,169 |
Total consumer loans |  |  | 18,240 |  |  |  | 83,487 |  |  |  | 321,876 |  |  |  | 575,538 |  |  |  | 999,141 |
Total gross loans, net of deferred fees |  | $ | 158,920 |  |  |  | 717,601 |  |  |  | 1,125,187 |  |  |  | 658,967 |  |  |  | 2,660,675 |
|  | December 31, 2021 |
(dollars in thousands) |  | One year or less |  |  | After one but within five years |  |  | After five but within fifteen years |  |  | After fifteen years |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 16,858 |  |  |  | 120,480 |  |  |  | 316,261 |  |  |  | 35,366 |  |  |  | 488,965 |
Non-owner occupied RE |  |  | 47,453 |  |  |  | 329,085 |  |  |  | 263,317 |  |  |  | 26,978 |  |  |  | 666,833 |
Construction |  |  | 4,882 |  |  |  | 16,393 |  |  |  | 29,310 |  |  |  | 13,840 |  |  |  | 64,425 |
Business |  |  | 66,833 |  |  |  | 152,732 |  |  |  | 109,008 |  |  |  | 4,476 |  |  |  | 333,049 |
Total commercial loans |  |  | 136,026 |  |  |  | 618,690 |  |  |  | 717,896 |  |  |  | 80,660 |  |  |  | 1,553,272 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 14,632 |  |  |  | 45,219 |  |  |  | 162,655 |  |  |  | 471,895 |  |  |  | 694,401 |
Home equity |  |  | 2,178 |  |  |  | 21,280 |  |  |  | 125,427 |  |  |  | 5,954 |  |  |  | 154,839 |
Construction |  |  | 961 |  |  |  | 594 |  |  |  | 8,956 |  |  |  | 49,335 |  |  |  | 59,846 |
Other |  |  | 8,071 |  |  |  | 15,711 |  |  |  | 3,341 |  |  |  | 396 |  |  |  | 27,519 |
Total consumer |  |  | 25,842 |  |  |  | 82,804 |  |  |  | 300,379 |  |  |  | 527,580 |  |  |  | 936,605 |
Total gross loans, net of deferred fees |  | $ | 161,868 |  |  |  | 701,494 |  |  |  | 1,018,275 |  |  |  | 608,240 |  |  |  | 2,489,877 |
Schedule of composition of gross loans by rate type |
|  | Interest Rate |
(dollars in thousands) |  | Fixed |  |  | Floating or Adjustable |
Commercial |  |  |  |  |  |
Owner occupied RE |  | $ | 507,622 |  |  |  | 4,477 |
Non-owner occupied RE |  |  | 578,786 |  |  |  | 78,534 |
Construction |  |  | 66,873 |  |  |  | 3,474 |
Business |  |  | 212,419 |  |  |  | 68,669 |
Total commercial loans |  |  | 1,365,700 |  |  |  | 155,154 |
Consumer |  |  |  |  |  |  |  |
Real estate |  |  | 735,758 |  |  |  | 70 |
Home equity |  |  | 11,634 |  |  |  | 141,735 |
Construction |  |  | 71,695 |  |  |  | - |
Other |  |  | 13,208 |  |  |  | 6,801 |
Total consumer loans |  |  | 832,295 |  |  |  | 148,606 |
Total gross loans, net of deferred fees |  | $ | 2,197,995 |  |  |  | 303,760 |
Schedule of presents loan balances classified by credit quality indicators and loan categories |
|  | March 31, 2022 |
(dollars in thousands) |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | Prior |  |  | Revolving |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 48,943 |  |  |  | 136,043 |  |  |  | 91,485 |  |  |  | 76,409 |  |  |  | 42,537 |  |  |  | 130,973 |  |  |  | - |  |  |  | 526,390 |
Special Mention |  |  | - |  |  |  | 163 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 159 |  |  |  | - |  |  |  | 322 |
Substandard |  |  | - |  |  |  | - |  |  |  | 653 |  |  |  | - |  |  |  | 298 |  |  |  | 113 |  |  |  | - |  |  |  | 1,064 |
Total Owner occupied RE |  |  | 48,943 |  |  |  | 136,206 |  |  |  | 92,138 |  |  |  | 76,409 |  |  |  | 42,835 |  |  |  | 131,245 |  |  |  | - |  |  |  | 527,776 |
Non-owner occupied RE |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 61,668 |  |  |  | 186,526 |  |  |  | 118,651 |  |  |  | 82,442 |  |  |  | 84,310 |  |  |  | 145,200 |  |  |  | - |  |  |  | 678,797 |
Special Mention |  |  | - |  |  |  | 205 |  |  |  | - |  |  |  | 313 |  |  |  | 5,544 |  |  |  | 5,614 |  |  |  | - |  |  |  | 11,676 |
Substandard |  |  | - |  |  |  | 141 |  |  |  | - |  |  |  | 13,237 |  |  |  | 309 |  |  |  | 1,651 |  |  |  | - |  |  |  | 15,338 |
Total Non-owner occupied RE |  |  | 61,668 |  |  |  | 186,872 |  |  |  | 118,651 |  |  |  | 95,992 |  |  |  | 90,163 |  |  |  | 152,465 |  |  |  | - |  |  |  | 705,811 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 6,472 |  |  |  | 53,371 |  |  |  | 9,073 |  |  |  | 4,498 |  |  |  | 1,601 |  |  |  | - |  |  |  | - |  |  |  | 75,015 |
Special Mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Construction |  |  | 6,472 |  |  |  | 53,371 |  |  |  | 9,073 |  |  |  | 4,498 |  |  |  | 1,601 |  |  |  | - |  |  |  | - |  |  |  | 75,015 |
Business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 30,305 |  |  |  | 62,583 |  |  |  | 36,345 |  |  |  | 27,908 |  |  |  | 38,361 |  |  |  | 36,286 |  |  |  | 117,232 |  |  |  | 349,020 |
Special Mention |  |  | 224 |  |  |  | 53 |  |  |  | 398 |  |  |  | - |  |  |  | - |  |  |  | 168 |  |  |  | 101 |  |  |  | 944 |
Substandard |  |  | - |  |  |  | - |  |  |  | 1,294 |  |  |  | 204 |  |  |  | 362 |  |  |  | 1,083 |  |  |  | 25 |  |  |  | 2,968 |
Total Business |  |  | 30,529 |  |  |  | 62,636 |  |  |  | 38,037 |  |  |  | 28,112 |  |  |  | 38,723 |  |  |  | 37,537 |  |  |  | 117,358 |  |  |  | 352,932 |
Total Commercial loans |  |  | 147,612 |  |  |  | 439,085 |  |  |  | 257,899 |  |  |  | 205,011 |  |  |  | 173,322 |  |  |  | 321,247 |  |  |  | 117,358 |  |  |  | 1,661,534 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 69,226 |  |  |  | 255,662 |  |  |  | 197,008 |  |  |  | 80,005 |  |  |  | 42,490 |  |  |  | 91,948 |  |  |  | - |  |  |  | 736,339 |
Special Mention |  |  |  |  |  |  | 1,113 |  |  |  | 1,387 |  |  |  | 1,068 |  |  |  | 568 |  |  |  | 848 |  |  |  | - |  |  |  | 4,984 |
Substandard |  |  | - |  |  |  | 902 |  |  |  | 230 |  |  |  | 419 |  |  |  | 963 |  |  |  | 1,830 |  |  |  | - |  |  |  | 4,344 |
Total Real estate |  |  | 69,226 |  |  |  | 257,677 |  |  |  | 198,625 |  |  |  | 81,492 |  |  |  | 44,021 |  |  |  | 94,626 |  |  |  | - |  |  |  | 745,667 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 150,767 |  |  |  | 150,767 |
Special Mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,186 |  |  |  | 2,186 |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,725 |  |  |  | 2,725 |
Total Home equity |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 155,678 |  |  |  | 155,678 |
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 10,078 |  |  |  | 42,845 |  |  |  | 19,420 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 72,343 |
Special Mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 284 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 284 |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Construction |  |  | 10,078 |  |  |  | 42,845 |  |  |  | 19,420 |  |  |  | 284 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 72,627 |
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 1,177 |  |  |  | 2,700 |  |  |  | 1,250 |  |  |  | 2,001 |  |  |  | 711 |  |  |  | 3,916 |  |  |  | 13,227 |  |  |  | 24,982 |
Special Mention |  |  | - |  |  |  | - |  |  |  | 8 |  |  |  | 38 |  |  |  | 76 |  |  |  | 10 |  |  |  | 33 |  |  |  | 165 |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 12 |  |  |  | - |  |  |  | - |  |  |  | 10 |  |  |  | 22 |
Total Other |  |  | 1,177 |  |  |  | 2,700 |  |  |  | 1,258 |  |  |  | 2,051 |  |  |  | 787 |  |  |  | 3,926 |  |  |  | 13,270 |  |  |  | 25,169 |
Total Consumer loans |  |  | 80,481 |  |  |  | 303,222 |  |  |  | 219,303 |  |  |  | 83,827 |  |  |  | 44,808 |  |  |  | 98,552 |  |  |  | 168,948 |  |  |  | 999,141 |
Total loans |  | $ | 228,093 |  |  |  | 742,307 |  |  |  | 477,202 |  |  |  | 288,838 |  |  |  | 218,130 |  |  |  | 419,799 |  |  |  | 286,306 |  |  |  | 2,660,675 |
Schedule of presents loan balances classified by credit quality indicators and loan categories |
|  | December 31, 2021 |
|  | Commercial |  |  | Consumer |  |  |  |
(dollars in thousands) |  | Owner occupied RE |  |  | Non-owner occupied RE |  |  | Construction |  |  | Business |  |  | Real Estate |  |  | Home Equity |  |  | Construction |  |  | Other |  |  | Total |
Pass |  | $ | 487,422 |  |  |  | 589,280 |  |  |  | 64,425 |  |  |  | 328,371 |  |  |  | 684,923 |  |  |  | 148,933 |  |  |  | 59,846 |  |  |  | 27,365 |  |  |  | 2,390,565 |
Special mention |  |  | 327 |  |  |  | 48,310 |  |  |  | - |  |  |  | 1,530 |  |  |  | 4,294 |  |  |  | 2,986 |  |  |  | - |  |  |  | 129 |  |  |  | 57,576 |
Substandard |  |  | 1,216 |  |  |  | 29,243 |  |  |  | - |  |  |  | 3,148 |  |  |  | 5,184 |  |  |  | 2,920 |  |  |  | - |  |  |  | 25 |  |  |  | 41,736 |
Total |  | $ | 488,965 |  |  |  | 666,833 |  |  |  | 64,425 |  |  |  | 333,049 |  |  |  | 694,401 |  |  |  | 154,839 |  |  |  | 59,846 |  |  |  | 27,519 |  |  |  | 2,489,877 |
Schedule of breakdown of outstanding loans by risk category |
|  | March 31, 2022 |
(dollars in thousands) |  | Accruing 30-59 days past due |  |  | Accruing 60-89 days past due |  |  | Accruing 90 days or more past due |  |  | Nonaccrual loans |  |  | Accruing current |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 527,776 |  |  |  | 527,776 |
Non-owner occupied RE |  |  | 75 |  |  |  | - |  |  |  | - |  |  |  | 1,026 |  |  |  | 704,710 |  |  |  | 705,811 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 75,015 |  |  |  | 75,015 |
Business |  |  | 124 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 352,808 |  |  |  | 352,932 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 757 |  |  |  | 695 |  |  |  | - |  |  |  | 1,482 |  |  |  | 742,733 |  |  |  | 745,667 |
Home equity |  |  | - |  |  |  | 1 |  |  |  | - |  |  |  | 2,024 |  |  |  | 153,653 |  |  |  | 155,678 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 72,627 |  |  |  | 72,627 |
Other |  |  | 3 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 25,166 |  |  |  | 25,169 |
Total |  | $ | 959 |  |  |  | 696 |  |  |  | - |  |  |  | 4,532 |  |  |  | 2,654,488 |  |  |  | 2,660,675 |
|  | December 31, 2021 |
(dollars in thousands) |  | Accruing 30-59 days past due |  |  | Accruing 60-89 days past due |  |  | Accruing 90 days or more past due |  |  | Nonaccrual loans |  |  | Accruing current |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 488,965 |  |  |  | 488,965 |
Non-owner occupied RE |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,069 |  |  |  | 665,764 |  |  |  | 666,833 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 64,425 |  |  |  | 64,425 |
Business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 333,049 |  |  |  | 333,049 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 136 |  |  |  | - |  |  |  | - |  |  |  | 1,750 |  |  |  | 692,515 |  |  |  | 694,401 |
Home equity |  |  | 417 |  |  |  | 174 |  |  |  | - |  |  |  | 2,045 |  |  |  | 152,203 |  |  |  | 154,839 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 59,846 |  |  |  | 59,846 |
Other |  |  | 5 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 27,514 |  |  |  | 27,519 |
Total |  | $ | 558 |  |  |  | 174 |  |  |  | - |  |  |  | 4,864 |  |  |  | 2,484,281 |  |  |  | 2,489,877 |
Schedule of nonperforming assets, including nonaccruing TDRs |
(dollars in thousands) |  | March 31, 2022 |  |  | December 31, 2021 |
Nonaccrual loans |  | $ | 1,819 |  |  |  | - |
Nonaccruing TDRs |  |  | 2,713 |  |  |  | 2,952 |
Total nonaccrual loans, including nonaccruing TDRs |  |  | 4,532 |  |  |  | 4,864 |
Other real estate owned |  |  | - |  |  |  | - |
Total nonperforming assets |  | $ | 4,532 |  |  |  | 4,864 |
Nonperforming assets as a percentage of: |  |  |  |  |  |  |  |
Total assets |  |  | 0.15 | % |  |  | 0.17 | %
Gross loans |  |  | 0.17 | % |  |  | 0.20 | %
Total loans over 90 days past due |  | $ | 554 |  |  |  | 554 |
Loans over 90 days past due and still accruing |  |  | - |  |  |  | - |
Accruing troubled debt restructurings |  |  | 3,241 |  |  |  | 3,299 |
Schedule of nonaccrual loans by major categories |
|  | CECL |  |  | Incurred loss |
|  | March 31, 2022 |  |  | December 31, 2021 |
|  | Nonaccrual |  |  | Nonaccrual |  |  |  |  |  |  |
|  | loans |  |  | loans |  |  | Total |  |  | Total |
|  | with no |  |  | with an |  |  | nonaccrual |  |  | nonaccrual |
(dollars in thousands) |  | allowance |  |  | allowance |  |  | loans |  |  | loans |
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | - |  |  |  | - |  |  |  | - |  |  |  | - |
Non-owner occupied RE |  |  | 265 |  |  |  | 761 |  |  |  | 1,026 |  |  |  | 1,070 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total commercial |  |  | 265 |  |  |  | 761 |  |  |  | 1,026 |  |  |  | 1,070 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 987 |  |  |  | 495 |  |  |  | 1,482 |  |  |  | 1,750 |
Home equity |  |  | 1,971 |  |  |  | 53 |  |  |  | 2,024 |  |  |  | 2,044 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total consumer |  |  | 2,958 |  |  |  | 548 |  |  |  | 3,506 |  |  |  | 3,794 |
Total |  | $ | 3,224 |  |  |  | 1,309 |  |  |  | 4,532 |  |  |  | 4,864 |
Schedule of allowance for loan losses and recorded investment in loans by impairment methodology |
|  |  |  |  |  |  |  | December 31, 2021 |
|  |  |  |  |  |  |  | Recorded investment |  |  |  |
|  |  |  |  |  |  |  | Impaired loans |  |  | Impaired loans |  |  |  |
|  | Unpaid |  |  |  |  |  | with no related |  |  | with related |  |  | Related |
(dollars in thousands) |  | Principal Balance |  |  | Impaired loans |  |  | allowance for credit losses |  |  | allowance for credit losses |  |  | allowance for credit losses |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 1,261 |  |  |  | 1,261 |  |  |  | 1,261 |  |  |  | - |  |  |  | - |
Non-owner occupied RE |  |  | 2,012 |  |  |  | 1,070 |  |  |  | 270 |  |  |  | 800 |  |  |  | 171 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Business |  |  | 1,104 |  |  |  | 1,104 |  |  |  | - |  |  |  | 1,104 |  |  |  | 452 |
Total commercial |  |  | 4,377 |  |  |  | 3,435 |  |  |  | 1,531 |  |  |  | 1,904 |  |  |  | 623 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 2,638 |  |  |  | 2,561 |  |  |  | 1,743 |  |  |  | 818 |  |  |  | 144 |
Home equity |  |  | 2,206 |  |  |  | 2,044 |  |  |  | 1,989 |  |  |  | 55 |  |  |  | 55 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other |  |  | 123 |  |  |  | 123 |  |  |  | - |  |  |  | 123 |  |  |  | 14 |
Total consumer |  |  | 4,967 |  |  |  | 4,728 |  |  |  | 3,732 |  |  |  | 996 |  |  |  | 213 |
Total |  | $ | 9,344 |  |  |  | 8,163 |  |  |  | 5,263 |  |  |  | 2,900 |  |  |  | 836 |
Schedule of average recorded investment and interest income recognized on impaired loans |
|  | Three months ended March 31, 2021 |  |  | Year ended December 31, 2021 |
(dollars in thousands) |  | Average recorded investment |  |  | Recognized interest income |  |  | Average recorded investment |  |  | Recognized interest income |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 1,569 |  |  |  | 16 |  |  |  | 1,387 |  |  |  | 65 |
Non-owner occupied RE |  |  | 2,161 |  |  |  | 62 |  |  |  | 3,128 |  |  |  | 182 |
Construction |  |  | 137 |  |  |  | 2 |  |  |  | 55 |  |  |  | - |
Business |  |  | 2,329 |  |  |  | 34 |  |  |  | 2,218 |  |  |  | 62 |
Total commercial |  |  | 6,196 |  |  |  | 114 |  |  |  | 6,788 |  |  |  | 309 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 4,212 |  |  |  | 43 |  |  |  | 3,641 |  |  |  | 98 |
Home equity |  |  | 2,030 |  |  |  | 16 |  |  |  | 1,964 |  |  |  | 85 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other |  |  | 134 |  |  |  | 1 |  |  |  | 129 |  |  |  | 4 |
Total consumer |  |  | 6,376 |  |  |  | 60 |  |  |  | 5,734 |  |  |  | 187 |
Total |  | $ | 12,572 |  |  |  | 174 |  |  |  | 12,522 |  |  |  | 496 |
Schedule of allowance for loan losses by commercial and consumer portfolio segments |
|  | Three months ended March 31, 2022 |
|  | Commercial |  |  | Consumer |  |  |  |
(dollars in thousands) |  | Owner occupied RE |  |  | Non- owner occupied RE |  |  | Construction |  |  | Business |  |  | Real Estate |  |  | Home Equity |  |  | Construction |  |  | Other |  |  | Total |
Balance, beginning of period |  | $ | 4,700 |  |  |  | 10,518 |  |  |  | 625 |  |  |  | 4,887 |  |  |  | 7,083 |  |  |  | 1,697 |  |  |  | 578 |  |  |  | 320 |  |  |  | 30,408 |
Adjustment for CECL |  |  | (313 | ) |  |  | 333 |  |  |  | 154 |  |  |  | 1,057 |  |  |  | (294 | ) |  |  | 438 |  |  |  | 130 |  |  |  | (5 | ) |  |  | 1,500 |
Provision for credit losses |  |  | 511 |  |  |  | (878 | ) |  |  | 150 |  |  |  | 159 |  |  |  | 813 |  |  |  | 165 |  |  |  | 136 |  |  |  | (31 | ) |  |  | 1,025 |
Loan charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (169 | ) |  |  | - |  |  |  | - |  |  |  | (169 | )
Loan recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 114 |  |  |  | - |  |  |  | 66 |  |  |  | - |  |  |  | - |  |  |  | 180 |
Net loan recoveries (charge-offs) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 114 |  |  |  | - |  |  |  | (103 | ) |  |  | - |  |  |  | - |  |  |  | 11 |
Balance, end of period |  | $ | 4,898 |  |  |  | 9,973 |  |  |  | 929 |  |  |  | 6,217 |  |  |  | 7,602 |  |  |  | 2,197 |  |  |  | 844 |  |  |  | 284 |  |  |  | 32,944 |
Net charge-offs (recoveries) to average loans (annualized) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.00 | %
Allowance for credit losses to gross loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.24 | %
Allowance for credit losses to nonperforming loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 726.88 | %
|  | Three months ended March 31, 2021 |
|  | Commercial |  |  | Consumer |  |  |  |  |
(dollars in thousands) |  | Owner occupied RE |  |  | Non- owner occupied RE |  |  | Construction |  |  | Business |  |  | Real Estate |  |  | Home Equity |  |  | Construction |  |  | Other |  |  | Total |
Balance, beginning of period |  | $ | 8,145 |  |  |  | 12,049 |  |  |  | 1,154 |  |  |  | 7,845 |  |  |  | 10,453 |  |  |  | 3,249 |  |  |  | 747 |  |  |  | 507 |  |  |  | 44,149 |
Provision for loan losses |  |  | (991 | ) |  |  | 3,146 |  |  |  | (327 | ) |  |  | (785 | ) |  |  | (787 | ) |  |  | (423 | ) |  |  | (62 | ) |  |  | (71 | ) |  |  | (300 | )
Loan charge-offs |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (267 | ) |  |  | - |  |  |  | (139 | ) |  |  | - |  |  |  | - |  |  |  | (406 | )
Loan recoveries |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 55 |  |  |  | - |  |  |  | 1 |  |  |  | - |  |  |  | - |  |  |  | 56 |
Net loan recoveries (charge-offs) |  |  | - |  |  |  | - |  |  |  | - |  |  |  | (212 | ) |  |  | - |  |  |  | (138 | ) |  |  | - |  |  |  | - |  |  |  | (350 | )
Balance, end of period |  | $ | 7,154 |  |  |  | 15,195 |  |  |  | 827 |  |  |  | 6,848 |  |  |  | 9,666 |  |  |  | 2,688 |  |  |  | 685 |  |  |  | 436 |  |  |  | 43,499 |
Net charge-offs to average loans (annualized) |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.07 | %
Allowance for loan losses to gross loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.99 | %
Allowance for loan losses to nonperforming loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 557.47 | %
Schedule of allowance for loan losses and recorded investment in loans by impairment methodology |
|  | December 31, 2021 |
|  | Allowance for loan losses |  |  | Recorded investment in loans |
(dollars in thousands) |  | Commercial |  |  | Consumer |  |  | Total |  |  | Commercial |  |  | Consumer |  |  | Total |
Individually evaluated |  | $ | 623 |  |  |  | 213 |  |  |  | 836 |  |  |  | 3,435 |  |  |  | 4,728 |  |  |  | 8,163 |
Collectively evaluated |  |  | 20,107 |  |  |  | 9,465 |  |  |  | 29,572 |  |  |  | 1,549,837 |  |  |  | 931,877 |  |  |  | 2,481,714 |
Total |  | $ | 20,730 |  |  |  | 9,678 |  |  |  | 30,408 |  |  |  | 1,553,272 |  |  |  | 936,605 |  |  |  | 2,489,877 |
|  | March 31, 2021 |
|  | Allowance for loan losses |  |  | Recorded investment in loans |
(dollars in thousands) |  | Commercial |  |  | Consumer |  |  | Total |  |  | Commercial |  |  | Consumer |  |  | Total |
Individually evaluated |  | $ | 1,171 |  |  |  | 464 |  |  |  | 1,635 |  |  |  | 5,967 |  |  |  | 6,215 |  |  |  | 12,182 |
Collectively evaluated |  |  | 28,853 |  |  |  | 13,011 |  |  |  | 41,864 |  |  |  | 1,382,616 |  |  |  | 788,884 |  |  |  | 2,171,500 |
Total |  | $ | 30,024 |  |  |  | 13,475 |  |  |  | 43,499 |  |  |  | 1,388,583 |  |  |  | 795,099 |  |  |  | 2,183,682 |
Schedule of analysis of collateral-dependent loans of the company |
|  | March 31, 2022 |
|  | Real |  |  | Business |  |  |  |  |  |  |
(dollars in thousands) |  | estate |  |  | assets |  |  | Other |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 1,250 |  |  |  | - |  |  |  | - |  |  |  | 1,250 |
Non-owner occupied RE |  |  | 265 |  |  |  | - |  |  |  | - |  |  |  | 265 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Business |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total commercial |  |  | 1,515 |  |  |  | - |  |  |  | - |  |  |  | 1,515 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 1,484 |  |  |  | - |  |  |  | - |  |  |  | 1,484 |
Home equity |  |  | 2,024 |  |  |  | - |  |  |  | - |  |  |  | 2,024 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total consumer |  |  | 3,508 |  |  |  | - |  |  |  | - |  |  |  | 3,508 |
Total |  | $ | 5,023 |  |  |  | - |  |  |  | - |  |  |  | 5,023 |
Schedule of allowance for credit losses for unfunded loan commitments |
|  | Three months ended |
(dollars in thousands) |  | March 31, 2022 |
Balance, beginning of period |  |  | - |
Adjustment for adoption of CECL |  | $ | 2,000 |
Provision for (reversal of) loan losses |  |  | 80 |
Loan charge-offs |  |  | - |
Loan recoveries |  |  | - |
Net loan (charge-offs) recoveries |  |  | - |
Balance, end of period |  | $ | 2,080 |

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