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Loans (Tables)
 3 Months Ended
Mar. 31, 2023
Receivables [Abstract]  
Schedule of Loan Portfolio Segments and Classes The table below identifies the Company’s loan portfolio segments and classes.
Portfolio SegmentClass of Financing Receivable
CommercialOwner occupied real estate
Non-owner occupied real estate
Residential spec homes
Development & spec land
Commercial and industrial
Real estateResidential mortgage
Residential construction
Mortgage warehouseMortgage warehouse
ConsumerDirect installment
Indirect installment
Home equity
Schedule of Loans Outstanding By Portfolio Class
The following table presents total loans outstanding by portfolio class, as of March 31, 2023 and December 31, 2022:
March 31,
2023		December 31,
2022
Commercial
Owner occupied real estate$609,550 $594,562 
Non–owner occupied real estate1,217,831 1,187,077 
Residential spec homes11,841 10,838 
Development & spec land30,159 27,358 
Commercial and industrial636,078 647,587 
Total commercial2,505,459 2,467,422 
Real estate
Residential mortgage623,634 612,551 
Residential construction38,825 40,741 
Mortgage warehouse52,957 69,529 
Total real estate715,416 722,821 
Consumer
Direct installment55,443 56,614 
Indirect installment503,207 500,549 
Home equity467,426 410,592 
Total consumer1,026,076 967,755 
Total loans4,246,951 4,157,998 
Allowance for credit losses(49,526)(50,464)
Net loans$4,197,425 $4,107,534 
Schedule of Non-accrual, Loans Past Due Over 90 Days Still on Accrual, and Troubled Debt Restructured ("TDRs") by Class of Loans
The following table presents non–accrual loans and loans past due over 90 days still on accrual by class of loans at March 31, 2023:

March 31, 2023
Non–accrualLoans Past
Due Over 90
Days Still
Accruing		Total
Non–performing
Loans		Non–performing
with no Allowance for Credit Losses
Commercial
Owner occupied real estate$3,292 $— $3,292 $3,106 
Non–owner occupied real estate3,834 — 3,834 1,393 
Residential spec homes101 — 101 — 
Development & spec land813 — 813 65 
Commercial and industrial483 — 483 289 
Total commercial8,523 — 8,523 4,853 
Real estate
Residential mortgage6,884 42 6,926 6,926 
Residential construction— — — — 
Mortgage warehouse— — — — 
Total real estate6,884 42 6,926 6,926 
Consumer
Direct installment73 — 73 73 
Indirect installment820 95 915 915 
Home equity3,360 — 3,360 3,360 
Total consumer4,253 95 4,348 4,348 
Total$19,660 $137 $19,797 $16,127 
The following table presents non–accrual loans, loans past due over 90 days still on accrual, and troubled debt restructurings (“TDRs”) by class of loan at December 31, 2022:

December 31, 2022
Non–accrualLoans Past
Due Over 90
Days Still
Accruing		Non–performing
TDRs		Performing
TDRs		Total
Non–performing
Loans		Non–performing
with no Allowance for Credit Losses
Commercial
Owner occupied real estate$3,423 $— $— $568 $3,991 $3,805 
Non–owner occupied real estate3,866 — — 269 4,135 2,211 
Residential spec homes101 — — — 101 101 
Development & spec land815 — — — 815 65 
Commercial and industrial288 — — — 288 288 
Total commercial8,493 — — 837 9,330 6,470 
Real estate
Residential mortgage5,479 43 1,210 1,391 8,123 8,123 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate5,479 43 1,210 1,391 8,123 8,123 
Consumer
Direct installment138 26 — — 164 164 
Indirect installment745 23 — — 768 768 
Home equity2,775 — 338 342 3,455 3,455 
Total consumer3,658 49 338 342 4,387 4,387 
Total$17,630 $92 $1,548 $2,570 $21,840 $18,980 
Schedule of Payment Status by Class of Loan
The following table presents the payment status by class of loan, excluding non–accrual loans of $19.7 million at March 31, 2023:
March 31, 2023
Current30–59 Days
Past Due		60–89 Days
Past Due		90 Days or
Greater
Past Due		Total 
Past Due
Loans		Total
Loans
Commercial
Owner occupied real estate$603,832 $2,028 $398 $— $2,426 $606,258 
Non–owner occupied real estate1,213,846 151 — — 151 1,213,997 
Residential spec homes11,740 — — — — 11,740 
Development & spec land29,346 — — — — 29,346 
Commercial and industrial634,193 1,232 170 — 1,402 635,595 
Total commercial2,492,957 3,411 568 — 3,979 2,496,936 
Real estate
Residential mortgage614,702 1,704 302 42 2,048 616,750 
Residential construction38,825 — — — — 38,825 
Mortgage warehouse52,957 — — — — 52,957 
Total real estate706,484 1,704 302 42 2,048 708,532 
Consumer
Direct installment55,284 61 25 — 86 55,370 
Indirect installment497,813 4,041 438 95 4,574 502,387 
Home equity460,645 2,753 668 — 3,421 464,066 
Total consumer1,013,742 6,855 1,131 95 8,081 1,021,823 
Total$4,213,183 $11,970 $2,001 $137 $14,108 $4,227,291 
The following table presents the payment status by class of loan, excluding non–accrual loans of $17.6 million and non–performing TDRs of $1.5 million at December 31, 2022:
December 31, 2022
Current30–59 Days
Past Due		60–89 Days
Past Due		90 Days or
Greater
Past Due		Total 
Past Due
Loans		Total
Commercial
Owner occupied real estate$590,870 $269 $— $— $269 $591,139 
Non–owner occupied real estate1,183,195 16 — — 16 1,183,211 
Residential spec homes10,737 — — — — 10,737 
Development & spec land26,513 — 30 — 30 26,543 
Commercial and industrial646,792 507 — — 507 647,299 
Total commercial2,458,107 792 30 — 822 2,458,929 
Real estate
Residential mortgage603,630 1,980 209 43 2,232 605,862 
Residential construction40,741 — — — — 40,741 
Mortgage warehouse69,529 — — — — 69,529 
Total real estate713,900 1,980 209 43 2,232 716,132 
Consumer
Direct installment56,266 168 16 26 210 56,476 
Indirect installment494,341 4,536 904 23 5,463 499,804 
Home equity405,405 1,413 661 — 2,074 407,479 
Total consumer956,012 6,117 1,581 49 7,747 963,759 
Total$4,128,019 $8,889 $1,820 $92 $10,801 $4,138,820 
Schedule of TDRs by Loan Portfolio
The following table presents TDRs by class of loan at December 31, 2022:
December 31, 2022
Non–accrualAccruingTotal
Commercial
Owner occupied real estate$— $568 $568 
Non–owner occupied real estate— 269 269 
Residential spec homes— — — 
Development & spec land— — — 
Commercial and industrial— — — 
Total commercial— 837 837 
Real estate
Residential mortgage1,210 1,391 2,601 
Residential construction— — — 
Mortgage warehouse— — — 
Total real estate1,210 1,391 2,601 
Consumer
Direct installment— — — 
Indirect installment— — — 
Home equity338 342 680 
Total consumer338 342 680 
Total$1,548 $2,570 $4,118 
Schedule of Allowance for Credit Loss Allocated for Collateral Dependent Loans
The table below presents the amortized cost basis and allowance for credit losses (“ACL”) allocated for collateral dependent loans in accordance with ASC 326, which are individually evaluated to determine expected credit losses.
March 31, 2023
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$3,201 $91 $— $3,292 $63 
Non–owner occupied real estate3,834 — — 3,834 996 
Residential spec homes101 — — 101 47 
Development & spec land813 — — 813 3 
Commercial and industrial— 443 40 483 153 
Total commercial7,949 534 40 8,523 1,262 
Total collateral dependent loans$7,949 $534 $40 $8,523 $1,262 
December 31, 2022
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$3,905 $95 $— $4,000 $215 
Non–owner occupied real estate4,135 — — 4,135 988 
Residential spec homes101 — — 101 — 
Development & spec land815 — — 815 36 
Commercial and industrial— 248 31 279 — 
Total commercial8,956 343 31 9,330 1,239 
Total collateral dependent loans$8,956 $343 $31 $9,330 $1,239 
Schedule of Loans by Credit Grades
The following tables present loans by credit grades and origination year at March 31, 2023.
March 31, 202320232022202120202019PriorRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$21,899 $103,870 $78,372 $49,277 $49,487 $197,586 $81,560 $582,051 
Special Mention— — 7,014 178 6 2,122 — 9,320 
Substandard— 1,011 — 978 834 12,477 2,879 18,179 
Doubtful— — — — — — — — 
Total owner occupied real estate$21,899 $104,881 $85,386 $50,433 $50,327 $212,185 $84,439 $609,550 
Gross charge–offs during period$— $54 $53 $— $— $1 $— $108 
Non–owner occupied real estate
Pass$20,791 $180,019 $174,548 $134,137 $95,150 $339,009 $220,088 $1,163,742 
Special Mention— — 1,395 262 874 45,794 — 48,325 
Substandard— — — 231 — 5,533 — 5,764 
Doubtful— — — — — — — — 
Total non–owner occupied real estate$20,791 $180,019 $175,943 $134,630 $96,024 $390,336 $220,088 $1,217,831 
Gross charge–offs during period$— $— $— $— $— $9 $— $9 
Residential spec homes
Pass$— $1,353 $3,478 $4 $— $1,862 $5,043 $11,740 
Special Mention— — — — — — — — 
Substandard— — — — — — 101 101 
Doubtful— — — — — — — — 
Total residential spec homes$— $1,353 $3,478 $4 $— $1,862 $5,144 $11,841 
Gross charge–offs during period$— $— $— $— $— $— $— $— 
Development & spec land
Pass$126 $1,581 $1,173 $435 $265 $9,116 $16,402 $29,098 
Special Mention— — — — — 137 — 137 
Substandard— — — — — 176 748 924 
Doubtful— — — — — — — — 
Total development & spec land$126 $1,581 $1,173 $435 $265 $9,429 $17,150 $30,159 
Gross charge–offs during period$— $— $— $— $— $— $— $— 
Commercial & industrial
Pass$25,602 $205,191 $125,533 $28,765 $31,573 $148,658 $49,544 $614,866 
Special Mention1,437 810 358 262 557 4,181 45 7,650 
Substandard— 208 2,674 2,052 471 5,536 2,621 13,562 
Doubtful— — — — — — — — 
Total commercial & industrial$27,039 $206,209 $128,565 $31,079 $32,601 $158,375 $52,210 $636,078 
Gross charge–offs during period$— $— $— $— $— $20 $— $20 
March 31, 202320232022202120202019PriorRevolving LoansTotal
Real estate
Residential mortgage
Performing$7,241 $114,051 $166,043 $88,929 $32,761 $207,683 $— $616,708 
Non–performing— 125 671 283 581 5,266 — 6,926 
Total residential mortgage$7,241 $114,176 $166,714 $89,212 $33,342 $212,949 $— $623,634 
Gross charge–offs during period$— $— $— $— $— $4 $— $4 
Residential construction
Performing$— $805 $— $— $— $— $38,020 $38,825 
Non–performing— — — — — — — — 
Total residential construction$— $805 $— $— $— $— $38,020 $38,825 
Gross charge–offs during period$— $— $— $— $— $— $— $— 
Mortgage warehouse
Performing$— $— $— $— $— $— $52,957 $52,957 
Non–performing— — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $52,957 $52,957 
Gross charge–offs during period$— $— $— $— $— $— $— $— 
March 31, 202320232022202120202019PriorRevolving LoansTotal
Consumer
Direct installment
Performing$4,423 $18,442 $11,381 $6,402 $6,805 $7,827 $90 $55,370 
Non–performing— — 47 — 14 12 — 73 
Total direct installment$4,423 $18,442 $11,428 $6,402 $6,819 $7,839 $90 $55,443 
Gross charge–offs during period$— $6 $4 $6 $— $9 $— $25 
Indirect installment
Performing$47,543 $243,829 $108,694 $53,136 $29,064 $20,026 $— $502,292 
Non–performing— 197 233 177 161 147 — 915 
Total indirect installment$47,543 $244,026 $108,927 $53,313 $29,225 $20,173 $— $503,207 
Gross charge–offs during period$— $310 $159 $22 $14 $12 $— $517 
Home equity
Performing$31,042 $201,796 $80,890 $37,038 $25,132 $79,547 $8,621 $464,066 
Non–performing— 108 16 62 138 1,015 2,021 3,360 
Total home equity$31,042 $201,904 $80,906 $37,100 $25,270 $80,562 $10,642 $467,426 
Gross charge–offs during period$— $— $— $— $— $— $— $— 
The following tables present loans by credit grades and origination year at December 31, 2022.
December 31, 202220222021202020192018PriorRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$102,986 $78,420 $50,751 $50,807 $38,518 $168,574 $76,493 $566,549 
Special Mention— 6,677 — 7 — 2,729 83 9,496 
Substandard1,016 253 983 834 3,116 9,439 2,876 18,517 
Doubtful— — — — — — — — 
Total owner occupied real estate$104,002 $85,350 $51,734 $51,648 $41,634 $180,742 $79,452 $594,562 
Non–owner occupied real estate
Pass$186,272 $176,077 $134,395 $96,566 $57,382 $305,264 $182,681 $1,138,637 
Special Mention— 1,415 265 883 39,239 617 — 42,419 
Substandard— — 246 — 3,532 2,243 — 6,021 
Doubtful— — — — — — — — 
Total non–owner occupied real estate$186,272 $177,492 $134,906 $97,449 $100,153 $308,124 $182,681 $1,187,077 
Residential spec homes
Pass$379 $3,957 $146 $— $— $1,922 $4,334 $10,738 
Special Mention— — — — — — — — 
Substandard— — — — — — 100 100 
Doubtful— — — — — — — — 
Total residential spec homes$379 $3,957 $146 $— $— $1,922 $4,434 $10,838 
Development & spec land
Pass$1,586 $1,230 $449 $270 $5 $9,739 $13,008 $26,287 
Special Mention— — — — — 145 — 145 
Substandard— — — — — 178 748 926 
Doubtful— — — — — — — — 
Total development & spec land$1,586 $1,230 $449 $270 $5 $10,062 $13,756 $27,358 
Commercial & industrial
Pass$207,019 $139,759 $32,997 $34,303 $41,044 $119,850 $49,859 $624,831 
Special Mention718 368 31 562 706 2,251 — 4,636 
Substandard— 2,720 2,216 532 1,618 5,517 5,517 18,120 
Doubtful— — — — — — — — 
Total commercial & industrial$207,737 $142,847 $35,244 $35,397 $43,368 $127,618 $55,376 $647,587 
Total commercial$499,976 $410,876 $222,479 $184,764 $185,160 $628,468 $335,699 $2,467,422 
December 31, 202220222021202020192018PriorRevolving LoansTotal
Real estate
Residential mortgage
Performing$107,224 $156,595 $91,314 $33,768 $36,147 $178,588 $792 $604,428 
Non–performing— 493 285 623 631 6,091 — 8,123 
Total residential mortgage$107,224 $157,088 $91,599 $34,391 $36,778 $184,679 $792 $612,551 
Residential construction
Performing$187 $— $— $— $— $— $40,554 $40,741 
Non–performing— — — — — — — — 
Total residential construction$187 $— $— $— $— $— $40,554 $40,741 
Mortgage warehouse
Performing$— $— $— $— $— $— $69,529 $69,529 
Non–performing— — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $69,529 $69,529 
Total real estate$107,411 $157,088 $91,599 $34,391 $36,778 $184,679 $110,875 $722,821 
December 31, 202220222021202020192018PriorRevolving LoansTotal
Consumer
Direct installment
Performing$19,851 $12,708 $7,204 $7,682 $3,952 $5,044 $9 $56,450 
Non–performing— 50 13 65 25 11 — 164 
Total direct installment$19,851 $12,758 $7,217 $7,747 $3,977 $5,055 $9 $56,614 
Indirect installment
Performing$259,446 $118,961 $60,062 $34,576 $19,062 $7,674 $— $499,781 
Non–performing27 169 210 181 101 80 — 768 
Total indirect installment$259,473 $119,130 $60,272 $34,757 $19,163 $7,754 $— $500,549 
Home equity
Performing$160,124 $85,254 $41,438 $26,984 $21,606 $64,642 $7,089 $407,137 
Non–performing108 16 19 140 152 1,077 1,943 3,455 
Total home equity$160,232 $85,270 $41,457 $27,124 $21,758 $65,719 $9,032 $410,592 
Total consumer$439,556 $217,158 $108,946 $69,628 $44,898 $78,528 $9,041 $967,755