XML 30 R21.htm IDEA: XBRL DOCUMENT
v3.22.1

Loans (Tables) | 3 Months Ended
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Mar. 31, 2022
Receivables [Abstract] |
Schedule of Loan Portfolio | The following table summarizes the composition of our loan portfolio. Total loans are recorded net of deferred loan fees and costs, which totaled $1.4 million and $1.4 million as of March 31, 2022 and December 31, 2021, respectively. Schedule of Loan Portfolio
Loans |
|  | March 31, |  |  | December 31, |
(Dollars in thousands) |  | 2022 |  |  | 2021 |
Commercial, financial and agricultural |  | $ | 70,565 |  |  | $ | 69,952 |
Real estate: |  |  |  |  |  |  |  |
Construction |  |  | 96,419 |  |  |  | 94,969 |
Mortgage-residential |  |  | 42,675 |  |  |  | 45,498 |
Mortgage-commercial |  |  | 627,621 |  |  |  | 617,464 |
Consumer: |  |  |  |  |  |  |  |
Home equity |  |  | 27,712 |  |  |  | 27,116 |
Other |  |  | 10,805 |  |  |  | 8,703 |
Total loans, net of deferred loan fees and costs |  | $ | 875,797 |  |  | $ | 863,702 |
Schedule of activity in the allowance for loan losses and the recorded investment in loans receivable | The detailed activity in the allowance for loan losses and the recorded investment in loans receivable as of and for the three months ended March 31, 2022 and March 31, 2021 and for the year ended December 31, 2021 is as follows: Schedule of activity in the allowance for loan losses and the recorded investment in loans receivable
|  |  |  |  |  |  |  | Real estate |  |  | Real estate |  |  | Consumer |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Real estate |  |  | Mortgage |  |  | Mortgage |  |  | Home |  |  | Consumer |  |  |  |  |  |  |
(Dollars in thousands) |  | Commercial |  |  | Construction |  |  | Residential |  |  | Commercial |  |  | equity |  |  | Other |  |  | Unallocated |  |  | Total |
March 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance December 31, 2021 |  | $ | 853 |  |  | $ | 113 |  |  | $ | 560 |  |  | $ | 8,570 |  |  | $ | 333 |  |  | $ | 126 |  |  | $ | 624 |  |  | $ | 11,179 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (14 | ) |  |  | — |  |  |  | (14 | )
Recoveries |  |  | 11 |  |  |  | — |  |  |  | — |  |  |  | 6 |  |  |  | 3 |  |  |  | 3 |  |  |  | — |  |  |  | 23 |
Provisions |  |  | (15 | ) |  |  | (22 | ) |  |  | (47 | ) |  |  | (68 | ) |  |  | (5 | ) |  |  | 35 |  |  |  | (3 | ) |  |  | (125 | )
Ending balance March 31, 2022 |  | $ | 849 |  |  | $ | 91 |  |  | $ | 513 |  |  | $ | 8,508 |  |  | $ | 331 |  |  | $ | 150 |  |  | $ | 621 |  |  | $ | 11,063 |
Ending balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Collectively evaluated for impairment |  |  | 849 |  |  | $ | 91 |  |  | $ | 513 |  |  | $ | 8,508 |  |  | $ | 331 |  |  | $ | 150 |  |  | $ | 621 |  |  | $ | 11,063 |
March 31, 2022 Loans receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance-total |  | $ | 70,565 |  |  | $ | 96,419 |  |  | $ | 42,675 |  |  | $ | 627,621 |  |  | $ | 27,712 |  |  | $ | 10,805 |  |  | $ | — |  |  | $ | 875,797 |
Ending balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  |  | — |  |  |  | — |  |  |  | 42 |  |  |  | 1,499 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,541 |
Collectively evaluated for impairment |  | $ | 70,565 |  |  | $ | 96,419 |  |  | $ | 42,633 |  |  | $ | 626,122 |  |  | $ | 27,712 |  |  | $ | 10,805 |  |  | $ | — |  |  | $ | 874,256 |
|  |  |  |  |  |  |  | Real estate |  |  | Real estate |  |  | Consumer |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Real estate |  |  | Mortgage |  |  | Mortgage |  |  | Home |  |  | Consumer |  |  |  |  |  |  |
(Dollars in thousands) |  | Commercial |  |  | Construction |  |  | Residential |  |  | Commercial |  |  | equity |  |  | Other |  |  | Unallocated |  |  | Total |
March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance December 31, 2020 |  | $ | 778 |  |  | $ | 145 |  |  | $ | 541 |  |  | $ | 7,855 |  |  | $ | 324 |  |  | $ | 125 |  |  | $ | 621 |  |  | $ | 10,389 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (25 | ) |  |  | — |  |  |  | (25 | )
Recoveries |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | 4 |  |  |  | 1 |  |  |  | 16 |  |  |  | — |  |  |  | 22 |
Provisions |  |  | (21 | ) |  |  | (11 | ) |  |  | (61 | ) |  |  | 278 |  |  |  | (16 | ) |  |  | 8 |  |  |  | — |  |  |  | 177 |
Ending balance March 31, 2021 |  | $ | 758 |  |  | $ | 134 |  |  | $ | 480 |  |  | $ | 8,137 |  |  | $ | 309 |  |  | $ | 124 |  |  | $ | 621 |  |  | $ | 10,563 |
Ending balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |
Collectively evaluated for impairment |  |  | 758 |  |  |  | 134 |  |  |  | 480 |  |  |  | 8,135 |  |  |  | 309 |  |  |  | 124 |  |  |  | 621 |  |  |  | 10,561 |
March 31, 2021 Loans receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance-total |  | $ | 110,776 |  |  | $ | 104,065 |  |  | $ | 38,947 |  |  | $ | 582,083 |  |  | $ | 25,068 |  |  | $ | 8,127 |  |  | $ | — |  |  | $ | 869,066 |
Ending balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  |  | — |  |  |  | — |  |  |  | 436 |  |  |  | 5,578 |  |  |  | 21 |  |  |  | — |  |  |  | — |  |  |  | 6,035 |
Collectively evaluated for impairment |  | $ | 110,776 |  |  | $ | 104,065 |  |  | $ | 38,511 |  |  | $ | 576,505 |  |  | $ | 25,047 |  |  | $ | 8,127 |  |  | $ | — |  |  | $ | 863,031 |
(Dollars in thousands) |  | Commercial |  |  | Real estate Construction |  |  | Real estate Mortgage Residential |  |  | Real estate Mortgage Commercial |  |  | Consumer Home equity |  |  | Consumer Other |  |  | Unallocated |  |  | Total |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance December 31, 2020 |  | $ | 778 |  |  | $ | 145 |  |  | $ | 541 |  |  | $ | 7,855 |  |  | $ | 324 |  |  | $ | 125 |  |  | $ | 621 |  |  | $ | 10,389 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (110 | ) |  |  | — |  |  |  | (72 | ) |  |  | — |  |  |  | (182 | )
Recoveries |  |  | 39 |  |  |  | — |  |  |  | 10 |  |  |  | 473 |  |  |  | 69 |  |  |  | 46 |  |  |  | — |  |  |  | 637 |
Provisions |  |  | 36 |  |  |  | (32 | ) |  |  | 9 |  |  |  | 352 |  |  |  | (60 | ) |  |  | 27 |  |  |  | 3 |  |  |  | 335 |
Ending balance December 31, 2021 |  | $ | 853 |  |  | $ | 113 |  |  | $ | 560 |  |  | $ | 8,570 |  |  | $ | 333 |  |  | $ | 126 |  |  | $ | 624 |  |  | $ | 11,179 |
Ending balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Collectively evaluated for impairment |  |  | 853 |  |  |  | 113 |  |  |  | 560 |  |  |  | 8,569 |  |  |  | 333 |  |  |  | 126 |  |  |  | 624 |  |  |  | 11,179 |
December 31, 2021 Loans receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance-total |  | $ | 69,952 |  |  | $ | 94,969 |  |  | $ | 45,498 |  |  | $ | 617,464 |  |  | $ | 27,116 |  |  | $ | 8,703 |  |  | $ | — |  |  | $ | 863,702 |
Ending balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  |  | — |  |  |  | — |  |  |  | 133 |  |  |  | 1,561 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,694 |
Collectively evaluated for impairment |  |  | 69,952 |  |  |  | 94,969 |  |  |  | 45,365 |  |  |  | 615,903 |  |  |  | 27,116 |  |  |  | 8,703 |  |  |  | — |  |  |  | 862,008 |
[custom:DisclosureLoansDetails2Abstract] |
|  |  |  |  |  |  |  | Real estate |  |  | Real estate |  |  | Consumer |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Real estate |  |  | Mortgage |  |  | Mortgage |  |  | Home |  |  | Consumer |  |  |  |  |  |  |
(Dollars in thousands) |  | Commercial |  |  | Construction |  |  | Residential |  |  | Commercial |  |  | equity |  |  | Other |  |  | Unallocated |  |  | Total |
March 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance December 31, 2021 |  | $ | 853 |  |  | $ | 113 |  |  | $ | 560 |  |  | $ | 8,570 |  |  | $ | 333 |  |  | $ | 126 |  |  | $ | 624 |  |  | $ | 11,179 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (14 | ) |  |  | — |  |  |  | (14 | )
Recoveries |  |  | 11 |  |  |  | — |  |  |  | — |  |  |  | 6 |  |  |  | 3 |  |  |  | 3 |  |  |  | — |  |  |  | 23 |
Provisions |  |  | (15 | ) |  |  | (22 | ) |  |  | (47 | ) |  |  | (68 | ) |  |  | (5 | ) |  |  | 35 |  |  |  | (3 | ) |  |  | (125 | )
Ending balance March 31, 2022 |  | $ | 849 |  |  | $ | 91 |  |  | $ | 513 |  |  | $ | 8,508 |  |  | $ | 331 |  |  | $ | 150 |  |  | $ | 621 |  |  | $ | 11,063 |
Ending balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Collectively evaluated for impairment |  |  | 849 |  |  | $ | 91 |  |  | $ | 513 |  |  | $ | 8,508 |  |  | $ | 331 |  |  | $ | 150 |  |  | $ | 621 |  |  | $ | 11,063 |
March 31, 2022 Loans receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance-total |  | $ | 70,565 |  |  | $ | 96,419 |  |  | $ | 42,675 |  |  | $ | 627,621 |  |  | $ | 27,712 |  |  | $ | 10,805 |  |  | $ | — |  |  | $ | 875,797 |
Ending balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  |  | — |  |  |  | — |  |  |  | 42 |  |  |  | 1,499 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,541 |
Collectively evaluated for impairment |  | $ | 70,565 |  |  | $ | 96,419 |  |  | $ | 42,633 |  |  | $ | 626,122 |  |  | $ | 27,712 |  |  | $ | 10,805 |  |  | $ | — |  |  | $ | 874,256 |
|  |  |  |  |  |  |  | Real estate |  |  | Real estate |  |  | Consumer |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Real estate |  |  | Mortgage |  |  | Mortgage |  |  | Home |  |  | Consumer |  |  |  |  |  |  |
(Dollars in thousands) |  | Commercial |  |  | Construction |  |  | Residential |  |  | Commercial |  |  | equity |  |  | Other |  |  | Unallocated |  |  | Total |
March 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance December 31, 2020 |  | $ | 778 |  |  | $ | 145 |  |  | $ | 541 |  |  | $ | 7,855 |  |  | $ | 324 |  |  | $ | 125 |  |  | $ | 621 |  |  | $ | 10,389 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (25 | ) |  |  | — |  |  |  | (25 | )
Recoveries |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | 4 |  |  |  | 1 |  |  |  | 16 |  |  |  | — |  |  |  | 22 |
Provisions |  |  | (21 | ) |  |  | (11 | ) |  |  | (61 | ) |  |  | 278 |  |  |  | (16 | ) |  |  | 8 |  |  |  | — |  |  |  | 177 |
Ending balance March 31, 2021 |  | $ | 758 |  |  | $ | 134 |  |  | $ | 480 |  |  | $ | 8,137 |  |  | $ | 309 |  |  | $ | 124 |  |  | $ | 621 |  |  | $ | 10,563 |
Ending balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 2 |
Collectively evaluated for impairment |  |  | 758 |  |  |  | 134 |  |  |  | 480 |  |  |  | 8,135 |  |  |  | 309 |  |  |  | 124 |  |  |  | 621 |  |  |  | 10,561 |
March 31, 2021 Loans receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance-total |  | $ | 110,776 |  |  | $ | 104,065 |  |  | $ | 38,947 |  |  | $ | 582,083 |  |  | $ | 25,068 |  |  | $ | 8,127 |  |  | $ | — |  |  | $ | 869,066 |
Ending balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  |  | — |  |  |  | — |  |  |  | 436 |  |  |  | 5,578 |  |  |  | 21 |  |  |  | — |  |  |  | — |  |  |  | 6,035 |
Collectively evaluated for impairment |  | $ | 110,776 |  |  | $ | 104,065 |  |  | $ | 38,511 |  |  | $ | 576,505 |  |  | $ | 25,047 |  |  | $ | 8,127 |  |  | $ | — |  |  | $ | 863,031 |
(Dollars in thousands) |  | Commercial |  |  | Real estate Construction |  |  | Real estate Mortgage Residential |  |  | Real estate Mortgage Commercial |  |  | Consumer Home equity |  |  | Consumer Other |  |  | Unallocated |  |  | Total |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance December 31, 2020 |  | $ | 778 |  |  | $ | 145 |  |  | $ | 541 |  |  | $ | 7,855 |  |  | $ | 324 |  |  | $ | 125 |  |  | $ | 621 |  |  | $ | 10,389 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (110 | ) |  |  | — |  |  |  | (72 | ) |  |  | — |  |  |  | (182 | )
Recoveries |  |  | 39 |  |  |  | — |  |  |  | 10 |  |  |  | 473 |  |  |  | 69 |  |  |  | 46 |  |  |  | — |  |  |  | 637 |
Provisions |  |  | 36 |  |  |  | (32 | ) |  |  | 9 |  |  |  | 352 |  |  |  | (60 | ) |  |  | 27 |  |  |  | 3 |  |  |  | 335 |
Ending balance December 31, 2021 |  | $ | 853 |  |  | $ | 113 |  |  | $ | 560 |  |  | $ | 8,570 |  |  | $ | 333 |  |  | $ | 126 |  |  | $ | 624 |  |  | $ | 11,179 |
Ending balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 1 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Collectively evaluated for impairment |  |  | 853 |  |  |  | 113 |  |  |  | 560 |  |  |  | 8,569 |  |  |  | 333 |  |  |  | 126 |  |  |  | 624 |  |  |  | 11,179 |
December 31, 2021 Loans receivable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance-total |  | $ | 69,952 |  |  | $ | 94,969 |  |  | $ | 45,498 |  |  | $ | 617,464 |  |  | $ | 27,116 |  |  | $ | 8,703 |  |  | $ | — |  |  | $ | 863,702 |
Ending balances: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  |  | — |  |  |  | — |  |  |  | 133 |  |  |  | 1,561 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,694 |
Collectively evaluated for impairment |  |  | 69,952 |  |  |  | 94,969 |  |  |  | 45,365 |  |  |  | 615,903 |  |  |  | 27,116 |  |  |  | 8,703 |  |  |  | — |  |  |  | 862,008 |
Schedule of loan category and loans individually evaluated and considered impaired | The following tables are by loan category and present March 31, 2022, March 31, 2021, and December 31, 2021 loans individually evaluated and considered impaired under FASB ASC 310 “Accounting by Creditors for Impairment of a Loan.” Impairment includes performing TDRs. Schedule of loan category and loans individually evaluated and considered impaired
Loans (Details 3) |
|  |  |  |  |  |  |  |  |  |  |  |  | Three months ended |
|  |  |  |  | Unpaid |  |  |  |  |  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Income |
March 31, 2022 |  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Recognized |
With no allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage-residential |  |  | 42 |  |  |  | 57 |  |  |  | — |  |  |  | 42 |  |  |  | 1 |
Mortgage-commercial |  |  | 1,499 |  |  |  | 3,492 |  |  |  | — |  |  |  | 1,737 |  |  |  | 46 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage-residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage-commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage-residential |  |  | 42 |  |  |  | 57 |  |  |  | — |  |  |  | 42 |  |  |  | 1 |
Mortgage-commercial |  |  | 1,499 |  |  |  | 3,492 |  |  |  | — |  |  |  | 1,737 |  |  |  | 46 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 1,541 |  |  | $ | 3,549 |  |  | $ | — |  |  | $ | 1,779 |  |  | $ | 47 |
Schedule of loan category and loan by risk categories | Loans not meeting the criteria above that are analyzed individually as part of the above described process are considered as pass rated loans. Based on the most recent analysis performed, the risk category of loans by class of loans is shown in the table below as of March 31, 2022 and December 31, 2021. As of March 31, 2022 and December 31, 2021, no loans were classified as doubtful. Schedule of loan category and loan by risk categories
Loans (Details 4) |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
March 31, 2022 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial, financial & agricultural |  | $ | 70,473 |  |  | $ | 92 |  |  | $ | — |  |  | $ | — |  |  | $ | 70,565 |
Real estate: |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Construction |  |  | 96,418 |  |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | 96,419 |
Mortgage – residential |  |  | 42,246 |  |  |  | 377 |  |  |  | 52 |  |  |  | — |  |  |  | 42,675 |
Mortgage – commercial |  |  | 620,089 |  |  |  | 1,002 |  |  |  | 6,530 |  |  |  | — |  |  |  | 627,621 |
Consumer: |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Home Equity |  |  | 26,347 |  |  |  | 175 |  |  |  | 1,190 |  |  |  | — |  |  |  | 27,712 |
Other |  |  | 10,708 |  |  |  | 22 |  |  |  | 75 |  |  |  | — |  |  |  | 10,805 |
Total |  | $ | 866,281 |  |  | $ | 1,668 |  |  | $ | 7,848 |  |  | $ | — |  |  | $ | 875,797 |
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
December 31, 2021 |  | Pass |  |  | Special Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial, financial & agricultural |  | $ | 69,833 |  |  | $ | 119 |  |  | $ | — |  |  | $ | — |  |  | $ | 69,952 |
Real estate: |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Construction |  |  | 94,966 |  |  |  | — |  |  |  | 3 |  |  |  | — |  |  |  | 94,969 |
Mortgage – residential |  |  | 45,049 |  |  |  | 305 |  |  |  | 144 |  |  |  | — |  |  |  | 45,498 |
Mortgage – commercial |  |  | 610,001 |  |  |  | 1,009 |  |  |  | 6,454 |  |  |  | — |  |  |  | 617,464 |
Consumer: |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Home Equity |  |  | 25,751 |  |  |  | 171 |  |  |  | 1,194 |  |  |  | — |  |  |  | 27,116 |
Other |  |  | 8,604 |  |  |  | 22 |  |  |  | 77 |  |  |  | — |  |  |  | 8,703 |
Total |  | $ | 854,204 |  |  | $ | 1,626 |  |  | $ | 7,872 |  |  | $ | — |  |  | $ | 863,702 |
Schedule of loan category and present loans past due and on non-accrual status | Schedule of loan category and present loans past due and on non-accrual status
Loans (Details 5) |
|  |  |  |  |  |  |  | Greater than |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | 30-59 Days |  |  | 60-89 Days |  |  | 90 Days and |  |  |  |  |  | Total |  |  |  |  |  |  |
March 31, 2022 |  | Past Due |  |  | Past Due |  |  | Accruing |  |  | Nonaccrual |  |  | Past Due |  |  | Current |  |  | Total Loans |
Commercial |  | $ | 238 |  |  | $ | 3 |  |  | $ | — |  |  | $ | 106 |  |  | $ | 347 |  |  | $ | 70,218 |  |  | $ | 70,565 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 96,419 |  |  |  | 96,419 |
Mortgage-residential |  |  | 71 |  |  |  | — |  |  |  | 4 |  |  |  | 42 |  |  |  | 117 |  |  |  | 42,558 |  |  |  | 42,675 |
Mortgage-commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 0 |  |  |  | — |  |  |  | 627,621 |  |  |  | 627,621 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | — |  |  |  | 165 |  |  |  | 169 |  |  |  | 0 |  |  |  | 334 |  |  |  | 27,378 |  |  |  | 27,712 |
Other |  |  | 2 |  |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | 3 |  |  |  | 10,802 |  |  |  | 10,805 |
Total |  | $ | 311 |  |  | $ | 168 |  |  | $ | 174 |  |  | $ | 148 |  |  | $ | 801 |  |  | $ | 874,996 |  |  | $ | 875,797 |
Schedule for changes in the accretable yield for PCI loans | A summary of changes in the accretable yield for purchased credit-impaired loans for the three months ended March 31, 2022 and March 31, 2021 are as follows: Schedule for changes in the accretable yield for PCI loans
Loans (Details 6) |
(Dollars in thousands) |  | Three Months Ended March 31, 2022 |  |  | Three Months Ended March 31, 2021 |
Accretable yield, beginning of period |  | $ | 64 |  |  | $ | 93 |
Accretion |  |  | (8 | ) |  |  | (7 | )
Accretable yield, end of period |  | $ | 56 |  |  | $ | 86 |

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