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LOAN PERFORMANCE (Tables)
12 Months Ended
Dec. 31, 2020
Aging analysis of past due loans, by loan class

90 Days or

 90 Days

30 to 59 Days

60 to 89 Days

Greater

Total 

Total 

Past Due and

(Dollars in thousands)

    

Past Due

    

Past Due

    

Past Due

    

Past Due

    

Current Loans

    

Total Loans

    

Still Accruing

December 31, 2020

 

  

 

  

 

  

 

  

 

  

 

  

 

  

Commercial and industrial

$

51

$

2,055

$

2,269

$

4,375

$

738,582

$

742,957

$

Real estate:

 

 

  

 

  

 

  

 

  

 

  

 

  

Commercial real estate

 

 

 

 

 

1,041,998

 

1,041,998

 

Construction and development

 

 

 

 

 

522,705

 

522,705

 

1-4 family residential

 

1,357

 

19

 

106

 

1,482

 

238,390

 

239,872

 

Multi-family residential

 

 

 

 

 

258,346

 

258,346

 

Consumer

 

5

 

 

 

5

 

33,879

 

33,884

 

Agriculture

 

50

 

 

 

50

 

8,620

 

8,670

 

Other

 

 

 

 

 

88,238

 

88,238

 

Total loans

$

1,463

$

2,074

$

2,375

$

5,912

$

2,930,758

$

2,936,670

$

December 31, 2019

 

  

 

  

 

  

 

  

 

  

 

  

 

  

Commercial and industrial

$

664

$

31

$

240

$

935

$

526,672

$

527,607

$

Real estate:

 

  

 

  

 

  

 

  

 

  

 

  

 

  

Commercial real estate

 

865

 

 

 

865

 

899,881

 

900,746

 

Construction and development

 

 

532

 

 

532

 

527,280

 

527,812

 

1-4 family residential

 

499

 

 

 

499

 

279,693

 

280,192

 

Multi-family residential

 

 

 

 

 

277,209

 

277,209

 

Consumer

 

43

 

 

 

43

 

36,739

 

36,782

 

Agriculture

 

 

 

 

 

9,812

 

9,812

 

Other

 

 

 

 

 

86,513

 

86,513

 

Total loans

$

2,071

$

563

$

240

$

2,874

$

2,643,799

$

2,646,673

$

Nonaccrual loans, segregated by loan class

December 31, 

(Dollars in thousands)

    

2020

    

2019

Commercial and industrial

$

12,588

$

596

Real estate:

 

  

 

  

Commercial real estate

 

10,665

 

67

Construction and development

 

238

 

1-4 family residential

 

526

 

314

Total nonaccrual loans

$

24,017

$

977

Schedule of TDRs

Post-modification Recorded Investment

Extended Maturity,

Pre-modification

Extended

Restructured

Outstanding

Maturity and

Payments

Number

Recorded

Restructured

Extended

Restructured

and Adjusted

(Dollars in thousands)

    

of Loans

    

Investment

    

Payments

    

Maturity

    

Payments

    

Interest Rate

December 31, 2020

Commercial and industrial

 

17

$

10,343

$

7,475

$

$

2,637

$

231

Real estate:

Commercial real estate

 

9

 

18,867

 

18,867

 

 

 

1-4 family residential

5

1,629

1,651

Construction and development

5

12,905

12,648

257

Total

 

36

$

43,744

$

40,641

$

$

2,637

$

488

December 31, 2019

Commercial and industrial

 

3

$

202

$

39

$

$

163

$

Real estate:

1-4 family residential

 

1

 

111

 

 

 

 

115

Total

 

4

$

313

$

39

$

$

163

$

115

Outstanding TDRs and other loans individually evaluated for credit losses

Troubled Debt Restructurings

(Dollars in thousands)

Accruing

Non-Accrual

Total

Other Non-Accrual

Other Accruing

Total Loans Individually Evaluated

December 31, 2020

Commercial and industrial

$

2,594

$

8,228

$

10,822

$

4,360

$

746

$

15,928

Real estate:

Commercial real estate

8,103

10,601

18,704

64

18,768

Construction and development

12,648

238

12,886

12,886

1-4 family residential

1,684

106

1,790

420

2,210

Other

7,851

7,851

7,851

Total

$

32,880

$

19,173

$

52,053

$

4,844

$

746

$

57,643

December 31, 2019

Commercial and industrial

$

397

$

282

$

679

$

314

$

6

$

999

Real estate:

Commercial real estate

1,337

1,337

67

1,404

1-4 family residential

54

111

165

203

3,283

3,651

Consumer

210

210

Other

6,653

6,653

6,653

Total

$

8,441

$

393

$

8,834

$

584

$

3,499

$

12,917

TDRs with payment defaults after restructuring  
Schedule of TDRs

December 31, 2020

December 31, 2019

Number

Number

(Dollars in thousands)

    

of Loans

    

Balance

of Loans

    

Balance

Commercial and industrial

3

$

1,983

$

Commercial real estate

 

3

 

3,370

 

1-4 family residential

4

12,270

Construction and development

2

94

1

111

Total

 

12

$

17,717

1

$

111