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Loans and Allowance for Loan and Lease Losses (Tables)
 12 Months Ended
Dec. 31, 2021
Receivables [Abstract]  
Portfolio of Loans Outstanding The portfolios of loans receivable at December 31, 2021, and December 31, 2020, consist of the following:
 December 31, 2021December 31, 2020
 (Dollars in thousands)
Commercial and Industrial$57,151 $121,808 
Construction154,077 211,013 
Real Estate Mortgage:  
Commercial – Owner Occupied123,672 132,207 
Commercial – Non-owner Occupied306,486 324,840 
Residential – 1 to 4 Family750,525 670,827 
Residential – Multifamily84,964 94,748 
Consumer7,972 10,364 
Total Loans$1,484,847 $1,565,807 
Age Analysis of Past Due Loans by Class
An age analysis of past due loans by class at December 31, 2021 and December 31, 2020 as follows:
December 31, 202130-59
Days Past
Due		60-89
Days Past
Due		Greater
than 90
Days and
Not
Accruing		Total Past
Due		CurrentTotal
Loans		Loans >
90 Days
and Accruing
 
(Dollars in thousands)
Commercial and Industrial$— $349 $224 $573 $56,578 $57,151 $— 
Construction— — 1,139 1,139 152,938 154,077 — 
Real Estate Mortgage:  
Commercial – Owner Occupied— — 2,170 2,170 121,502 123,672 — 
Commercial – Non-owner Occupied— — 242 242 306,244 306,486 — 
Residential – 1 to 4 Family81 — 533 614 749,911 750,525 — 
Residential – Multifamily— — — — 84,964 84,964 — 
Consumer— — — — 7,972 7,972 — 
Total Loans$81 $349 $4,308 $4,738 $1,480,109 $1,484,847 $— 
December 31, 202030-59
Days Past
Due		60-89
Days Past
Due		Greater
than 90
Days and
Not
Accruing		Total Past
Due		CurrentTotal LoansLoans >
90 Days
and Accruing
 (Dollars in thousands)
Commercial and Industrial$— $— $50 $50 $121,758 $121,808 $— 
Construction— — 1,365 1,365 209,648 211,013 — 
Real Estate Mortgage:  
Commercial – Owner Occupied— 1,171 5,521 6,692 125,515 132,207 — 
Commercial – Non-owner Occupied— 872 69 941 323,899 324,840 — 
Residential – 1 to 4 Family— 662 1,669 2,331 668,496 670,827 — 
Residential – Multifamily— — — — 94,748 94,748 — 
Consumer45 — 55 100 10,264 10,364 — 
Total Loans$45 $2,705 $8,729 $11,479 $1,554,328 $1,565,807 $— 
Analysis of Allowance for Loan Losses
The following tables present the information regarding the allowance for loan and lease losses and associated loan data:
Twelve Months Ended December 31, 2021
As of December 31, 2021Real Estate Mortgage
(Dollars in thousands)Commercial and IndustrialConstructionCommercial Owner OccupiedCommercial Non-owner OccupiedResidential 1 to 4 FamilyResidential MultifamilyConsumerTotal
December 31, 2020$492 $3,359 $3,078 $8,398 $12,595 $1,639 $137 $29,698 
    Charge-offs— (226)(152)— (49)— — (427)
    Recoveries18 — 52 4 — — — 74 
    Provisions (credit)(93)(471)19 (926)2,424 (424)(29)500 
Ending Balance December 31 2021$417 $2,662 $2,997 $7,476 $14,970 $1,215 $108 $29,845 
Allowance for loan losses
Individually evaluated for impairment$8 $300 $5 $218 $60 $— $— $591 
Collectively evaluated for impairment409 2,362 2,992 7,258 14,910 1,215 108 29,254 
Balance at December 31, 2021$417 $2,662 $2,997 $7,476 $14,970 $1,215 $108 $29,845 
Loans
Individually evaluated for impairment$224 $1,139 $2,369 $5,577 $993 $— $— $10,302 
Collectively evaluated for impairment56,927 152,938 121,303 300,909 749,532 84,964 7,972 1,474,545 
Balance at December 31, 2021$57,151 $154,077 $123,672 $306,486 $750,525 $84,964 $7,972 $1,484,847 
Twelve Months Ended December 31, 2020
As of December 31, 2020Real Estate Mortgage
(Dollars in thousands)Commercial and IndustrialConstructionCommercial Owner OccupiedCommercial Non-owner OccupiedResidential 1 to 4 FamilyResidential MultifamilyConsumerTotal
December 31, 2019$964 $2,807 $2,023 $5,860 $9,151 $819 $187 $21,811 
    Charge-offs— — — — (59)— — (59)
    Recoveries23 — 11 266 — — — 300 
    Provisions(495)552 1,044 2,272 3,503 820 (50)7,646 
Ending Balance December 31 2020$492 $3,359 $3,078 $8,398 $12,595 $1,639 $137 $29,698 
Allowance for loan losses
Individually evaluated for impairment$12 $301 $200 $350 $141 $— $— $1,004 
Collectively evaluated for impairment480 3,058 2,878 8,048 12,454 1,639 137 28,694 
Balance at December 31, 2020$492 $3,359 $3,078 $8,398 $12,595 $1,639 $137 $29,698 
Loans
Individually evaluated for impairment$49 $4,840 $5,735 $10,109 $1,875 $— $55 $22,663 
Collectively evaluated for impairment121,759 206,173 126,472 314,731 668,952 94,748 10,309 1,543,144 
Balance at December 31, 2020$121,808 $211,013 $132,207 $324,840 $670,827 $94,748 $10,364 $1,565,807 
Impaired Loans
The following tables provide further detail on impaired loans and the associated ALLL at December 31, 2021 and December 31, 2020:
December 31, 2021Recorded
Investment		Unpaid
Principal
Balance		Related
Allowance
 (Dollars in thousands)
With no related allowance recorded:   
Commercial and Industrial$216 $216 $— 
Construction— — — 
Real Estate Mortgage: 
Commercial – Owner Occupied2,170 2,170 — 
Commercial – Non-owner Occupied242 242 — 
Residential – 1 to 4 Family465 599 — 
Residential – Multifamily— — — 
Consumer— — — 
 3,093 3,227 — 
With an allowance recorded:   
Commercial and Industrial8 16 8 
Construction1,139 5,856 300 
Real Estate Mortgage:
Commercial – Owner Occupied199 199 5 
Commercial – Non-owner Occupied5,335 5,335 218 
Residential – 1 to 4 Family528 528 60 
Residential – Multifamily— — — 
Consumer— — — 
 7,209 11,934 591 
Total:   
Commercial and Industrial224 232 8 
Construction1,139 5,856 300 
Real Estate Mortgage:   
Commercial – Owner Occupied2,369 2,369 5 
Commercial – Non-owner Occupied5,577 5,577 218 
Residential – 1 to 4 Family993 1,127 60 
Residential – Multifamily— — — 
Consumer— — — 
 $10,302 $15,161 $591 
December 31, 2020Recorded InvestmentUnpaid
Principal
Balance		Related
Allowance
 (Dollars in thousands)
With no related allowance recorded:   
Commercial and Industrial$37 $37 $— 
Construction:— — — 
Real Estate Mortgage:   
Commercial – Owner Occupied2,853 2,853 — 
Commercial – Non-owner Occupied69 69 — 
Residential – 1 to 4 Family899 899 — 
Residential – Multifamily— — — 
Consumer55 55 — 
 3,913 3,913 — 
With an allowance recorded:   
Commercial and Industrial12 19 12 
Construction:4,840 9,330 301 
Real Estate Mortgage:   
Commercial – Owner Occupied2,882 2,882 200 
Commercial – Non-owner Occupied10,040 10,040 350 
Residential – 1 to 4 Family976 976 141 
Residential – Multifamily— — — 
Consumer— — — 
 18,750 23,247 1,004 
Total:   
Commercial and Industrial49 56 12 
Construction:4,840 9,330 301 
Real Estate Mortgage:   
Commercial – Owner Occupied5,735 5,735 200 
Commercial – Non-owner Occupied10,109 10,109 350 
Residential – 1 to 4 Family1,875 1,875 141 
Residential – Multifamily— — — 
Consumer55 55 — 
 $22,663 $27,160 $1,004 
The following table presents by loan portfolio class, the average recorded investment and interest income recognized on impaired loans for the years ended December 31, 2021 and 2020:
 Year Ended December 31,
 20212020
 Average
Recorded
Investment		Interest
Income
Recognized		Average
Recorded
Investment		Interest
Income
Recognized
 (Dollars in thousands)
Commercial and Industrial$48 $1 $234 $7 
Commercial1,275 — 4,984 157 
Real Estate Mortgage:    
Commercial – Owner Occupied2,378 13 6,080 47 
Commercial – Non-owner Occupied5,644 365 10,263 472 
Residential – 1 to 4 Family937 28 2,226 105 
Residential – Multifamily— — — 2 
Consumer— — 11 — 
Total$10,282 $407 $23,798 $790 
Analysis of Credit Risk Profile by Internally Assigned Grades
An analysis of the credit risk profile by internally assigned grades as of December 31, 2021 and 2020, is as follows:
At December 31, 2021PassOAEMSubstandardDoubtfulTotal
 (Dollars in thousands)
Commercial and Industrial$56,927 $— $224 $— $57,151 
Construction152,938 — 1,139 — 154,077 
Real Estate Mortgage:     
Commercial – Owner Occupied118,473 3,029 2,170 — 123,672 
Commercial – Non-owner Occupied291,864 14,380 242 — 306,486 
Residential – 1 to 4 Family749,904 — 621 — 750,525 
Residential – Multifamily84,964 — — — 84,964 
Consumer7,972 — — — 7,972 
Total$1,463,042 $17,409 $4,396 $— $1,484,847 
At December 31, 2020PassOAEMSubstandardDoubtfulTotal
 (Dollars in thousands)
Commercial and Industrial$121,715 $43 $50 $— $121,808 
Construction:209,648 — 1,365 — 211,013 
Real Estate Mortgage:     
Commercial – Owner Occupied123,657 3,029 5,521 — 132,207 
Commercial – Non-owner Occupied324,649 — 191 — 324,840 
Residential – 1 to 4 Family668,593 462 1,772 — 670,827 
Residential – Multifamily94,748 — — — 94,748 
Consumer10,309 — 55 — 10,364 
Total$1,553,319 $3,534 $8,954 $— $1,565,807 
Analysis of Loans to Related Parties
An analysis of the activity of such related party loans for 2021 is as follows:
 2021
 (Dollars in thousands)
Balance, beginning of year$10,942 
Advances499 
Less: repayments(3,159)
Balance, end of year$8,282