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LOAN PERFORMANCE (Tables)
12 Months Ended
Dec. 31, 2021
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, 2021

 

  

 

  

 

  

 

  

 

  

 

  

 

  

Commercial and industrial

$

14

$

$

$

14

$

634,370

$

634,384

$

Real estate:

 

 

  

 

  

 

  

 

  

 

  

 

  

Commercial real estate

 

650

 

 

55

 

705

 

1,091,264

 

1,091,969

 

Construction and development

 

 

 

142

 

142

 

460,577

 

460,719

 

1-4 family residential

 

150

 

34

 

 

184

 

277,089

 

277,273

 

Multi-family residential

 

 

 

 

 

286,396

 

286,396

 

Consumer

 

50

 

 

 

50

 

28,040

 

28,090

 

Agriculture

 

 

 

 

 

7,941

 

7,941

 

Other

 

41

 

 

 

41

 

89,614

 

89,655

 

Total gross loans

$

905

$

34

$

197

$

1,136

$

2,875,291

$

2,876,427

$

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 gross loans

$

1,463

$

2,074

$

2,375

$

5,912

$

2,930,758

$

2,936,670

$

Nonaccrual loans, segregated by loan class

December 31, 

(Dollars in thousands)

    

2021

    

2020

Commercial and industrial

$

9,090

$

12,588

Real estate:

 

 

  

Commercial real estate

 

11,512

 

10,665

Construction and development

 

142

 

238

1-4 family residential

 

1,784

 

526

Consumer

40

Total nonaccrual loans

$

22,568

$

24,017

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, 2021

Commercial and industrial

3

$

3,256

$

3,256

$

$

$

Real estate:

Commercial real estate

 

1

1,206

1,206

1-4 family residential

1

1,548

1,548

Consumer

1

42

42

Total

 

6

$

6,052

$

6,010

$

$

42

$

December 31, 2020

Commercial and industrial

 

17

$

10,343

$

7,475

$

$

2,637

$

231

Real estate:

Commercial real estate

 

9

 

18,867

 

18,867

 

 

 

Construction and development

5

12,905

12,648

257

1-4 family residential

5

1,629

1,651

Total

 

36

$

43,744

$

40,641

$

$

2,637

$

488

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, 2021

Commercial and industrial

$

5,661

$

6,851

$

12,512

$

2,239

$

1,828

$

16,579

Real estate:

Commercial real estate

5,755

11,401

17,156

111

3,790

21,057

Construction and development

12,282

12,282

142

292

12,716

1-4 family residential

1,571

1,727

3,298

57

3,355

Consumer

40

40

85

125

Other

5,440

5,440

5,440

Total

$

30,709

$

20,019

$

50,728

$

2,549

$

5,995

$

59,272

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

TDRs with payment defaults after restructuring  
Schedule of TDRs

December 31, 2020

Number

(Dollars in thousands)

    

of Loans

    

Balance

Commercial and industrial

3

$

1,983

Real estate:

Commercial real estate

 

3

 

3,370

Construction and development

4

12,270

1-4 family residential

2

94

Total

 

12

$

17,717