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Loans

3 Months Ended

Mar. 31, 2024

Loans

Loans

(5) Loans

Major classifications of loans at March 31, 2024 and December 31, 2023 are summarized as follows:

(Dollars in thousands)
		March 31, 2024				December 31, 2023
Real estate loans:
Construction and land development		$	129,284				136,401
Single-family residential			375,621				372,825
Commercial			438,683				425,820
Multifamily and farmland			71,545				63,042
Total real estate loans			1,015,133				998,088
Loans not secured by real estate:
Commercial			68,138				70,544
Farm			534				550
Consumer			6,643				6,966
All other			16,222				16,918
Total loans			1,106,670				1,093,066
Less allowance for credit losses			(10,847	)			(11,041	)
Total net loans		$	1,095,823				1,082,025

The Bank makes loans and extensions of credit primarily within the Catawba Valley region of North Carolina, which encompasses Catawba, Alexander, Iredell and Lincoln counties and also in Mecklenburg, Wake, Rowan and Forsyth counties of North Carolina.  Although the Bank has a diversified loan portfolio, a substantial portion of the loan portfolio is collateralized by improved and unimproved real estate, the value of which is dependent upon the real estate market.  Risk characteristics of the major components of the Bank’s loan portfolio are discussed below:

	·	Construction and land development loans – The risk of loss is largely dependent on the initial estimate of whether the property’s value at completion equals or exceeds the cost of property construction and the availability of take-out financing. During the construction phase, a number of factors can result in delays or cost overruns. If the estimate is inaccurate or if actual construction costs exceed estimates, the value of the property securing the loan may be insufficient to ensure full repayment when completed through a permanent loan, sale of the property, or by seizure of collateral.
	·	Single-family residential loans – Declining home sales volumes, decreased real estate values and higher than normal levels of unemployment could contribute to losses on these loans.
	·	Commercial real estate loans – Repayment is dependent on income being generated in amounts sufficient to cover operating expenses and debt service. These loans also involve greater risk because they are generally not fully amortizing over the loan period, but rather have a balloon payment due at maturity. A borrower’s ability to make a balloon payment typically will depend on being able to either refinance the loan or timely sell the underlying property.
	·	Commercial loans – Repayment is generally dependent upon the successful operation of the borrower’s business. In addition, the collateral securing the loans may depreciate over time, be difficult to appraise, be illiquid, or fluctuate in value based on the success of the business.
	·	Multifamily and farmland loans – Decreased real estate values and higher than normal levels of unemployment could contribute to losses on these loans.

Loans are considered past due if the required principal and interest payments have not been received within 30 days of the date such payments were due. Loans are placed on non-accrual status when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Generally, a loan is placed on non-accrual status when it is over 90 days past due and there is reasonable doubt that all principal will be collected.  When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

The following tables present an age analysis of past due loans, by loan type, as of March 31, 2024 and December 31, 2023:

March 31, 2024
(Dollars in thousands)
		Loans 30- 89 Days Past Due				Nonaccrual				Total Past Due Loans				Total Current Loans				Total Loans				Accruing Loans 90 or More Days Past Due
Real estate loans:
Construction and land development		$	-				43				43				129,241				129,284				-
Single-family residential			5,787				3,323				9,110				366,511				375,621				-
Commercial			915				-				915				437,768				438,683				-
Multifamily and farmland			-				72				72				71,473				71,545				-
Total real estate loans			6,702				3,438				10,140				1,004,993				1,015,133				-
Loans not secured by real estate:
Commercial			143				552				695				67,443				68,138				-
Farm			-				-				-				534				534				-
Consumer			29				1				30				6,613				6,643				-
All other			-				-				-				16,222				16,222				-
Total loans		$	6,874				3,991				10,865				1,095,805				1,106,670				-

December 31, 2023
(Dollars in thousands)
		Loans 30-  89 Days Past Due				Nonaccrual				Total Past Due Loans				Total Current Loans				Total Loans				Accruing Loans 90 or More Days Past Due
Real estate loans:
Construction and land development		$	5				45				50				136,351				136,401				-
Single-family residential			3,761				3,302				7,063				365,762				372,825				-
Commercial			13				-				13				425,807				425,820				-
Multifamily and farmland			-				76				76				62,966				63,042				-
Total real estate loans			3,779				3,423				7,202				990,886				998,088				-
Loans not secured by real estate:
Commercial			125				463				588				69,956				70,544				-
Farm			-				1				1				549				550				-
Consumer			63				-				63				6,903				6,966				-
All other			-				-				-				16,918				16,918				-
Total loans		$	3,967				3,887				7,854				1,085,212				1,093,066				-

The following table presents non-accrual loans as of March 31, 2024 and December 31, 2023:

		March 31, 2024
		Nonaccrual Loans				Nonaccrual Loans				Total
		With No				With				Nonaccrual
(Dollars in thousands)		Allowance				Allowance				Loans
Real estate loans:
Construction and land development		$	43				-				43
Single-family residential			3,197				126				3,323
Commercial			-				-				-
Multifamily and farmland			72				-				72
Total real estate loans			3,312				126				3,438
Loans not secured by real estate:
Commercial			254				298				552
Consumer			1				-				1
Total		$	3,567				424				3,991

		December 31, 2023
		Nonaccrual Loans				Nonaccrual Loans				Total
		With No				With				Nonaccrual
(Dollars in thousands)		Allowance				Allowance				Loans
Real estate loans:
Construction and land development		$	45				-				45
Single-family residential			3,302				-				3,302
Commercial			-				-				-
Multifamily and farmland			76				-				76
Total real estate loans			3,423				-				3,423
Loans not secured by real estate:
Commercial			31				432				463
Consumer			1				-				1
Total		$	3,455				432				3,887

No interest income was recognized on non-accrual loans for the three months ended March 31, 2024 and 2023.

The allowance for credit losses incorporates an estimate of lifetime expected credit losses and is recorded on each asset upon origination or acquisition.  The starting point for the estimate of the allowance for credit losses is historical loss information, which includes losses from modifications of receivables to borrowers experiencing financial difficulty.  An assessment of whether a borrower is experiencing financial difficulty is made on the date of a modification.

Because of the measurement methodologies used to estimate the allowance, a change to the allowance for credit losses is generally not recorded upon modification.  Occasionally, the Bank modifies loans by providing principal forgiveness on certain loans. When principal forgiveness is provided, the amortized cost basis of the asset is written off against the allowance for credit losses.  The amount of the principal forgiveness is deemed to be uncollectible; therefore, that portion of the loan is written off, resulting in a reduction of the amortized cost basis and a corresponding adjustment to the allowance for credit losses. 

In some cases, the Bank may modify a certain loan by providing multiple types of concessions.  Typically, one type of concession, such as a term extension, is granted initially.  If the borrower continues to experience financial difficulty, another concession, such as principal forgiveness, may be granted.

The following tables show the amortized cost basis at March 31, 2024 and 2023 of the loans to borrowers experiencing financial difficulty that were modified during the three months ended March 31, 2024 and 2023, disaggregated by loan class and type of concession granted.  

(Dollars in thousands)
		Term Extension
		Amortized Cost Basis at March 31, 2024				% of Loan Class
Loan class:
Commercial not secured by real estate			73				0.11	%
Total		$	73

(Dollars in thousands)
		Term Extension
		Amortized Cost Basis at March 31, 2023				% of Loan Class
Loan class:
Commercial real estate			686				0.17	%
Total		$	686

The following tables describes the financial effect of the modifications made to borrowers experiencing financial difficulty during the three months ended March 31, 2024 and 2023

March 31, 2024
Term Extension
Loan Class		Financial Effect
Commercial real estate		Line of credit converted to amortizing term loan.

March 31, 2023
Term Extension
Loan Class		Financial Effect
Commercial real estate		Extended existing amortization from 148 months to 173 months to keep existing payment the same with the current market rate.

No loans modified in the three months ended March 31, 2024 and 2023 that were made to borrowers experiencing financial difficulty had been written off at March 31, 2024 and 2023.

The Bank closely monitors the performance of those loans that are modified because borrowers are experiencing financial difficulty so as to understand the effectiveness of its modification efforts.  The following tables show the performance of loans that have been modified in the three months ended March 31, 2024 and 2023.

March 31, 2024
(Dollars in thousands)
		Payment Status (Amortized Cost Basis)
		Current				30 - 89 Days Past Due				90 + Days Past Due
Loan type:
Commercial real estate			73				-				-
Total		$	73				-				-

March 31, 2023
(Dollars in thousands)
		Payment Status (Amortized Cost Basis)
		Current				30 - 89 Days Past Due				90 + Days Past Due
Loan type:
Commercial real estate			686				-				-
Total		$	686				-				-

The following tables present changes in the allowance for credit losses for the three months ended March 31, 2024 and 2023. 

(Dollars in thousands)
		Real Estate Loans
		Construction and Land Development				Single-Family Residential				Commercial				Multifamily and Farmland				Commercial				Farm				Consumer and All Other				Total
Three months ended March 31, 2024
Allowance for credit losses:
Beginning balance		$	3,913				3,484				2,317				268				812				2				245				11,041
Charge-offs			-				-				-				-				(446	)			-				(210	)			(656	)
Recoveries			-				56				201				-				6				-				36				299
Provision (recovery) for
loan losses (1)			(233	)			57				(173	)			45				300				-				167				163
Ending balance		$	3,680				3,597				2,345				313				672				2				238				10,847
Allowance for credit loss-loans		$	3,680				3,597				2,345				313				672				2				238				10,847
Allowance for credit losses
loan commitments			1,692				5				-				-				-				-				1				1,698
Total allowance for credit losses		$	5,372				3,602				2,345				313				672				2				239				12,545

(1) Excludes provision for credit losses related to unfunded commitments. Note 8,"Commitments and Contingencies" in the condensed consolidated financial statements provides more detail concerning the provision for credit losses related to unfunded commitments.  

(Dollars in thousands)
		Real Estate Loans
		Construction and Land Development				Single-Family Residential				Commercial				Multifamily and Farmland				Commercial				Farm				Consumer and All Other				Unallocated				Total
Three months ended March 31, 2023
Allowance for credit losses:
Beginning balance		$	1,415				3,085				3,207				164				657				-				214				1,752				10,494
Adjustment for CECL
implementation (1)			1,584				64				(986	)			115				(295	)			2				48				(1,752	)			(1,220	)
Charge-offs			-				-				-				-				-				-				(166	)			-				(166	)
Recoveries			-				11				2				-				9				-				60				-				82
Provision (recovery) for
loan losses (1)			250				31				21				19				(23	)			(1	)			130				-				427
Ending balance		$	3,249				3,191				2,244				298				348				1				286				-				9,617
Allowance for credit loss-loans		$	3,249				3,191				2,244				298				348				1				286				-				9,617
Allowance for credit losses
loan commitments			2,004				67				-				-				-				-				4				-				2,075
Total allowance for credit losses		$	5,253				3,258				2,244				298				348				1				290				-				11,692

(1) Excludes adjustment for CECL implemenation and provision for credit losses related to unfunded commitments. Note 8,"Commitments and Contingencies" in the condensed consolidated financial statements provides more detail concerning the implementation adjustment and provision for credit losses related to unfunded commitments. 

Three  loans, totaling $891,000, were individually evaluated as of March 31, 2024, including two loans, totaling $816,000, that were collateral dependent.  The were no collateral dependent loans individually evaluated at December 31, 2023.  The following table shows collateral dependent loans at March 31, 2024.

(Dollars in thousands)
		March 31, 2024
		Amortized Cost				Allowance (1)
Real estate loans:
Construction and land development		$	-				-
Single-family residential			370				126
Commercial			-				-
Multifamily and farmland			-				-
Total real estate loans			370				126
Loans not secured by real estate:
Commercial			446				223
Farm			-				-
Consumer			-				-
All other			-				-
Total		$	816				349

 (1) Based on estimated value of residential real estate collateral and motor boat inventory collateral.

The Bank utilizes several credit quality indicators to manage credit risk in an ongoing manner. The Bank uses an internal risk grade system that categorizes loans into pass, watch or substandard categories.

The Bank uses the following credit quality indicators:

	·	Pass – Includes loans ranging from excellent quality with a minimal amount of credit risk to loans with higher risk and servicing needs but still are considered to be acceptable. The higher risk loans in this category are not problem credits presently, but may be in the future if the borrower is unable to change its present course.
	·	Watch – These loans are currently performing satisfactorily, but there has been some recent past due history on repayment and there are potential weaknesses that may, if not corrected, weaken the asset or inadequately protect the Bank’s position at some future date.
	·	Substandard – A Substandard loan is inadequately protected by the current sound net worth and paying capacity of the obligor or the collateral pledged (if there is any). There is a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. There is a distinct possibility that the Bank will sustain some loss if the deficiencies are not corrected.
	·	Doubtful – Loans classified Doubtful have all the weaknesses inherent in loans classified Substandard, plus the added characteristic that the weaknesses make collection or liquidation in full on the basis of currently existing facts, conditions, and values highly questionable and improbable.
	·	Loss – Loans classified Loss are considered uncollectable and of such little value that their continuance as bankable assets is not warranted. This classification does not mean that the asset has absolutely no recovery or salvage value, but rather that it is not practical or desirable to defer writing off this worthless loan even though partial recovery may be affected in the future.

The following table presents by credit quality indicator, loan class and year of origination, the amortized cost of the Bank’s loans as of March 31, 2024.

		Term Loans by Origination Year																												Revolving
																														Loans
																										Revolving				Converted to				Total
(dollars in thousands)		2024				2023				2022				2021				2020				Prior				Loans				Term Loans				Loans
March 31, 2024
Real Estate Loans
Construction and land
development
Pass		$	8,151				41,527				56,601				9,869				6,571				5,110				924				-				128,753
Watch			-				-				-				447				-				-				-				-				447
Substandard			-				-				-				-				-				84				-				-				84
Total Construction and
land  development		$	8,151				41,527				56,601				10,316				6,571				5,194				924				-				129,284
Single family
Pass		$	5,227				32,390				79,539				46,367				23,390				75,395				106,257				-				368,565
Watch			-				-				-				-				-				1,462				860				-				2,322
Substandard			-				-				370				-				-				3,991				373				-				4,734
Total single family		$	5,227				32,390				79,909				46,367				23,390				80,848				107,490				-				375,621
Commercial
Pass		$	19,992				46,189				113,557				77,096				61,101				113,221				1,890				-				433,046
Watch			-				230				-				-				115				4,884				-				-				5,229
Substandard			-				-				-				-				408				-				-				-				408
Total commercial		$	19,992				46,419				113,557				77,096				61,624				118,105				1,890				-				438,683
Multifamily and farmland
Pass		$	216				8,892				21,451				21,335				6,467				12,725				340				-				71,426
Watch			-				-				-				-				-				46				-				-				46
Substandard			-				-				-				-				-				73				-				-				73
Total multifamily and
farmland		$	216				8,892				21,451				21,335				6,467				12,844				340				-				71,545
Total real estate loans		$	33,586				129,228				271,518				155,114				98,052				216,991				110,644				-				1,015,133
Loans not secured by real estate
Commercial
Pass		$	2,464				8,737				13,570				4,332				2,381				13,711				21,270				-				66,465
Watch			-				627				-				73				286				134				1				-				1,121
Substandard			-				31				521				-				-				-				-				-				552
Total Commercial		$	2,464				9,395				14,091				4,405				2,667				13,845				21,271				-				68,138
Farm
Pass		$	-				195				40				68				-				19				212				-				534
Watch			-				-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-				-
Total farm		$	-				195				40				68				-				19				212				-				534
Consumer
Pass		$	453				1,967				1,150				306				178				116				2,467				-				6,637
Watch			-				-				-				-				-				-				1				-				1
Substandard			-				-				-				1				-				1				3				-				5
Total consumer		$	453				1,967				1,150				307				178				117				2,471				-				6,643
All other
Pass		$	392				-				6,360				450				257				3,422				5,206				-				16,087
Watch			-				-				-				-				-				73				62				-				135
Substandard			-				-				-				-				-				-				-				-				-
Total all other		$	392				-				6,360				450				257				3,495				5,268				-				16,222
Total loans not secured
by real estate		$	3,309				11,557				21,641				5,230				3,102				17,476				29,222				-				91,537
Total loans		$	36,895				140,785				293,159				160,344				101,154				234,467				139,866				-				1,106,670

The following table presents by credit quality indicator, loan class and year of origination, gross loan charge-offs as of March 31, 2024.

		Gross Loan Charge-offs by Origination Year																												Revolving
																														Loans
																										Revolving				Converted to				Total
(dollars in thousands)		2024				2023				2022				2021				2020				Prior				Loans				Term Loans				Loans
Real estate loans:
Construction and land development		$	-				-				-				-				-				-				-				-				-
Single-family residential			-				-				-				-				-				-				-				-				-
Commercial			-				-				-				-				-				-				-				-				-
Multifamily and farmland			-				-				-				-				-				-				-				-				-
Total real estate loans			-				-				-				-				-				-				-				-				-
Loans not secured by real estate:
Commercial			-				347				99				-				-				-				-				-				446
Consumer			-				-				4				-				-				99				-				-				103
All other			-				-				-				-				-				107				-				-				107
Total gross charge-offs		$	-				347				103				-				-				206				-				-				656

The following table presents by credit quality indicator, loan class and year of origination, the amortized cost of the Bank’s loans as of December 31, 2023.

		Term Loans by Origination Year																												Revolving
																														Loans
																										Revolving				Converted to				Total
(dollars in thousands)		2023				2022				2021				2020				2019				Prior				Loans				Term Loans				Loans
December 31, 2023
Real Estate Loans
Construction and land
development
Pass		$	40,034				71,429				10,736				6,692				1,721				3,914				1,337				-				135,863
Watch			-				-				448				-				-				-				-				-				448
Substandard			-				-				-				-				-				90				-				-				90
Total Construction and
land  development		$	40,034				71,429				11,184				6,692				1,721				4,004				1,337				-				136,401
Single family
Pass		$	32,333				76,326				47,490				24,813				12,984				64,847				106,962				-				365,755
Watch			-				-				-				-				89				1,389				860				-				2,338
Substandard			-				-				-				-				11				4,342				379				-				4,732
Total single family		$	32,333				76,326				47,490				24,813				13,084				70,578				108,201				-				372,825
Commercial
Pass		$	45,755				109,255				78,645				61,973				29,579				92,753				2,158				-				420,118
Watch			232				-				-				116				-				4,943				-				-				5,291
Substandard			-				-				-				411				-				-				-				-				411
Total commercial		$	45,987				109,255				78,645				62,500				29,579				97,696				2,158				-				425,820
Multifamily and farmland
Pass		$	7,987				13,286				21,512				6,624				3,158				9,851				501				-				62,919
Watch			-				-				-				-				-				47				-				-				47
Substandard			-				-				-				-				-				76				-				-				76
Total multifamily and
farmland		$	7,987				13,286				21,512				6,624				3,158				9,974				501				-				63,042
Total real estate loans		$	126,341				270,296				158,831				100,629				47,542				182,252				112,197				-				998,088
Loans not secured by real estate
Commercial
Pass		$	9,561				14,122				4,841				2,942				2,232				12,030				23,411				-				69,139
Watch			-				-				-				-				57				102				783				-				942
Substandard			31				-				-				-				-				-				-				-				31
Loss			-				82				-				-				-				-				350								432
Total Commercial		$	9,592				14,204				4,841				2,942				2,289				12,132				24,544				-				70,544
Farm
Pass		$	198				42				83				-				1				27				199				-				550
Watch			-				-				-				-				-				-				-				-				-
Substandard			-				-				-				-				-				-				-				-				-
Total farm		$	198				42				83				-				1				27				199				-				550
Consumer
Pass		$	2,262				1,352				404				222				72				58				2,591				-				6,961
Watch			-				-				-				-				-				-				-				-				-
Substandard			-				-				2				-				-				-				3				-				5
Total consumer		$	2,262				1,352				406				222				72				58				2,594				-				6,966
All other
Pass		$	79				6,401				474				274				599				3,698				5,256				-				16,781
Watch			-				-				-				-				-				74				63				-				137
Substandard			-				-				-				-				-				-				-				-				-
Total all other		$	79				6,401				474				274				599				3,772				5,319				-				16,918
Total loans not secured
by real estate		$	12,131				21,999				5,804				3,438				2,961				15,989				32,656				-				94,978
Total loans		$	138,472				292,295				164,635				104,067				50,503				198,241				144,853				-				1,093,066

The following table presents by credit quality indicator, loan class and year of origination, gross loan charge-offs as of December 31, 2023.

		Gross Loan Charge-offs by Origination Year																												Revolving
																														Loans
																										Revolving				Converted to				Total
(dollars in thousands)		2023				2022				2021				2020				2019				Prior				Loans				Term Loans				Loans
Real estate loans:
Construction and land development		$	-				-				-				-				-				-				-				-				-
Single-family residential			-				-				-				-				-				-				-				-				-
Commercial			-				-				-				-				-				-				-				-				-
Multifamily and farmland			-				-				-				-				-				-				-				-				-
Total real estate loans			-				-				-				-				-				-				-				-				-
Loans not secured by real estate:
Commercial			-				49				51				16				-				13				-				-				129
Farm			-				-				-				-				-				-				-				-				-
Consumer			-				41				53				6				1				468				-				-				569
All other			-				-				-				-				-				-				-				-				-
Total gross charge-offs		$	-				90				104				22				1				481				-				-				698

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The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.

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