LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)

6 Months Ended

Jun. 30, 2022

LOANS AND ALLOWANCE [Abstract]

Schedule of loans, net of unearned income

The following table summarizes the composition of our loan portfolio as of June 30, 2022 and December 31, 2021 (in thousands):

	June 30, 2022		December 31, 2021
Loans held for sale	$	16,096	$	—
Loans secured by real estate:
Commercial real estate - owner occupied		432,533		387,703
Commercial real estate - non-owner occupied		598,974		588,000
Secured by farmland		7,951		8,612
Construction and land development		117,529		121,444
Residential 1-4 family		606,303		547,560
Multi-family residential		144,406		164,071
Home equity lines of credit		69,860		73,846
Total real estate loans		1,977,556		1,891,236
Commercial loans		447,182		301,980
Paycheck Protection Program loans		17,525		77,319
Consumer loans		179,691		60,996
Total Non-PCD loans		2,621,954		2,331,531
PCD loans		6,843		8,455
Total loans	$	2,628,797	$	2,339,986

Schedule of details of aging of the recorded investment in past due loans by class of loans

The following tables present the aging of the recorded investment in past due loans by class of loans as of June 30, 2022 and December 31, 2021 (in thousands):

The amortized cost, by class, of loans and leases on nonaccrual status at June 30, 2022 and December 31, 2021, were as follows (in thousands):

	90			Less Than	Total		Nonaccrual With
	Days			90 Days	Nonaccrual		No Credit
June 30, 2022	or More			Past Due	Loans (1)		Loss Allowance (2)
Commercial real estate - owner occupied	$	—	$	356	$	356	$	356
Secured by farmland		659		148		807		659
Construction and land development		—		32		32		—
Residential 1-4 family		8,682		658		9,340		8,600
Multi- family residential		—		4,151		4,151		4,151
Home equity lines of credit		170		469		639		23
Commercial loans		2,510		400		2,910		1,117
Consumer loans		—		27		27		2
Total Non-PCD loans		12,021		6,241		18,262		14,908
PCD loans		12		1,361		1,373		—
Total	$	12,033	$	7,602	$	19,635	$	14,908
	90			Less Than	Total		Nonaccrual With
	Days			90 Days	Nonaccrual		No Credit
December 31, 2021	or More			Past Due	Loans (1)		Loss Allowance (2)
Commercial real estate - owner occupied	$	—	$	842	$	842	$	842
Secured by farmland		—		836		836		836
Construction and land development		4,575		34		4,609		4,609
Residential 1-4 family		137		411		548		548
Multi- family residential		—		4,301		4,301		4,301
Home equity lines of credit		171		253		424		424
Commercial loans		1,246		476		1,722		745
Consumer loans		2		16		18		10
Total Non-PCD loans		6,131		7,169		13,300		12,315
PCD loans		—		1,729		1,729		—
Total	$	6,131	$	8,898	$	15,029	$	12,315

(1) Nonaccrual loans include SBA guaranteed amounts totaling $0.8 million and $1.1 million at June 30, 2022 and December 31, 2021, respectively.

(2) Nonaccrual loans with no credit loss allowance include SBA guaranteed amounts totaling $0.7 million and $1.1 million at June 30, 2022 and December 31, 2021, respectively.

Schedule of nonaccrual loans

The following table presents nonaccrual loans as of June 30, 2022 by class and year of origination (in thousands):

															Revolving
															Loans
													Revolving		Converted
	2022		2021		2020		2019		2018		Prior		Loans		To Term		Total
Commercial real estate - owner occupied	$	—	$	—	$	—	$	—	$	—	$	356	$	—	$	—	$	356
Secured by farmland		—		—		—		19		—		659		—		129		807
Construction and land development		—		—		—		—		—		32		—		—		32
Residential 1-4 family		—		—		—		8,600		—		475		—		265		9,340
Multi- family residential		—		—		—		—		—		4,151		—		—		4,151
Home equity lines of credit		—		—		—		—		—		—		616		23		639
Commercial loans		—		—		7		—		1,502		245		1,156		—		2,910
Paycheck Protection Program loans		—				—		—		—		—		—		—		—
Consumer loans		—		—		—		—		2		6		19		—		27
Total non-PCD nonaccruals		—		—		7		8,619		1,504		5,924		1,791		417		18,262
PCD loans		—		—		—		—		—		1,373		—		—		1,373
Total nonaccrual loans	$	—	$	—	$	7	$	8,619	$	1,504	$	7,297	$	1,791	$	417	$	19,635

Schedule of the risk category of loans by class of loans

															Revolving
															Loans
														Revolving	Converted
	2022		2021		2020		2019		2018		Prior		Loans		To Term		Total
Commercial real estate - owner occupied
Pass	$	48,503	$	60,905	$	19,728	$	34,832	$	27,892	$	219,330	$	10,509	$	6,838	$	428,537
Special Mention		—		—		—		—		—		1,190		—		—		1,190
Substandard		—		—		—		1		—		2,805		—		—		2,806
Doubtful		—		—		—		—		—		—		—		—		—
	$	48,503	$	60,905	$	19,728	$	34,833	$	27,892	$	223,325	$	10,509	$	6,838	$	432,533
Weighted average risk grade		3.20		3.49		3.38		3.49		3.43		3.52		3.16		3.96		3.46
Commercial real estate - nonowner occupied
Pass	$	22,983	$	122,209	$	36,361	$	31,382	$	61,577	$	262,383	$	3,001	$	3,099	$	542,995
Special Mention		—		—		—		—		15,072		40,306		—		601		55,979
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
	$	22,983	$	122,209	$	36,361	$	31,382	$	76,649	$	302,689	$	3,001	$	3,700	$	598,974
Weighted average risk grade		3.22		3.17		3.71		3.92		3.83		3.82		2.67		3.32		3.66
Secured by farmland
Pass	$	857	$	23	$	60	$	—	$	—	$	3,580	$	1,499	$	92	$	6,111
Special Mention		—		—		—		—		—		1,033		—		—		1,033
Substandard		—		—		—		19		—		659		—		129		807
Doubtful		—		—		—		—		—		—		—		—		—
	$	857	$	23	$	60	$	19	$	—	$	5,272	$	1,499	$	221	$	7,951
Weighted average risk grade		3.43		4.00		4.00		6.00		N/A		4.18		3.98		4.33		4.07
Construction and land development
Pass	$	15,995	$	62,404	$	9,687	$	1,477	$	7,564	$	19,385	$	961	$	24	$	117,497
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		32		—		—		32
Doubtful		—		—		—		—		—		—		—		—		—
	$	15,995	$	62,404	$	9,687	$	1,477	$	7,564	$	19,417	$	961	$	24	$	117,529
Weighted average risk grade		3.29		3.12		3.80		3.68		3.24		3.67		3.31		4.00		3.31
Residential 1-4 family
Pass	$	120,609	$	157,734	$	46,431	$	65,915	$	43,122	$	157,392	$	1,935	$	3,179	$	596,317
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		8,599		—		1,122		—		265		9,986
Doubtful		—		—		—		—		—		—		—		—		—
	$	120,609	$	157,734	$	46,431	$	74,514	$	43,122	$	158,514	$	1,935	$	3,444	$	606,303
Weighted average risk grade		3.09		3.04		3.07		3.40		3.13		3.23		3.90		3.27		3.16
Multi- family residential
Pass	$	3,382	$	22,187	$	18,604	$	7,142	$	2,834	$	78,732	$	306	$	704	$	133,891
Special Mention		—		—		—		—		—		5,327		—		—		5,327
Substandard		—		—		—		—		—		4,889		—		299		5,188
Doubtful		—		—		—		—		—		—		—		—		—
	$	3,382	$	22,187	$	18,604	$	7,142	$	2,834	$	88,948	$	306	$	1,003	$	144,406
Weighted average risk grade		3.59		3.00		3.90		3.00		3.49		3.55		4.00		4.60		3.49
Home equity lines of credit
Pass	$	168	$	590	$	55	$	71	$	231	$	4,601	$	62,356	$	872	$	68,944
Special Mention		—		—		—		—		—		—		276		—		276
Substandard		—		—		—		—		—		—		617		23		640
Doubtful		—		—		—		—		—		—		—		—		—
	$	168	$	590	$	55	$	71	$	231	$	4,601	$	63,249	$	895	$	69,860
Weighted average risk grade		3.00		3.00		3.00		3.00		3.00		3.81		3.07		4.05		3.13
Commercial loans
Pass	$	176,511	$	68,077	$	9,581	$	8,472	$	9,870	$	23,506	$	97,155	$	45,432	$	438,604
Special Mention		—		—		—		1,997		—		—		509		—		2,506
Substandard		—		—		7		—		1,502		1,817		2,746		—		6,072
Doubtful		—		—		—		—		—		—		—		—		—
	$	176,511	$	68,077	$	9,588	$	10,469	$	11,372	$	25,323	$	100,410	$	45,432	$	447,182
Weighted average risk grade		2.95		3.41		3.40		3.99		3.77		3.72		3.26		3.72		3.27
Paycheck Protection Program loans
Pass	$	—	$	14,440	$	3,085	$	—	$	—	$	—	$	—	$	—	$	17,525
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
	$	—	$	14,440	$	3,085	$	—	$	—	$	—	$	—	$	—	$	17,525
Weighted average risk grade		N/A		2.00		2.00		N/A		N/A		N/A		N/A		N/A		2.00

															Revolving
															Loans
														Revolving	Converted
	2022		2021		2020		2019		2018		Prior		Loans		To Term		Total
Consumer loans
Pass	$	136,676	$	31,200	$	1,885	$	551	$	679	$	5,002	$	3,569	$	—	$	179,562
Special Mention		—		—		—		—		—		72		—		—		72
Substandard		—		30		—		—		2		6		19		—		57
Doubtful		—		—		—		—		—		—		—		—		—
	$	136,676	$	31,230	$	1,885	$	551	$	681	$	5,080	$	3,588	$	—	$	179,691
Weighted average risk grade		3.11		3.81		3.99		3.99		4.01		4.02		3.96		N/A		3.29
PCD
Pass	$	—	$	—	$	—	$	—	$	—	$	3,960	$	—	$	—	$	3,960
Special Mention		—		—		—		—		—		1,353		—		—		1,353
Substandard		—		—		—		—		—		1,530		—		—		1,530
Doubtful		—		—		—		—		—		—		—		—		—
	$	—	$	—	$	—	$	—	$	—	$	6,843	$	—	$	—	$	6,843
Weighted average risk grade		N/A		N/A		N/A		N/A		N/A		4.48		N/A		N/A		4.48
Total	$	525,684	$	539,799	$	145,484	$	160,458	$	170,345	$	840,012	$	185,458	$	61,557	$	2,628,797
Weighted average risk grade		3.07		3.19		3.44		3.55		3.55		3.60		3.21		3.72		3.37

The following table presents weighted-average risk grades for all loans, by class and year of origination/renewal as of December 31, 2021 (in thousands):

															Revolving
															Loans
														Revolving	Converted
	2021		2020		2019		2018		2017		Prior		Loans		To Term		Total
Commercial real estate - owner occupied
Pass	$	58,596	$	18,411	$	35,498	$	28,163	$	45,013	$	187,461	$	3,010	$	6,937	$	383,089
Special Mention		—		—		—		—		140		1,184		—		—		1,324
Substandard		—		—		475		—		—		2,815		—		—		3,290
Doubtful		—				—		—		—		—		—		—		—
	$	58,596	$	18,411	$	35,973	$	28,163	$	45,153	$	191,460	$	3,010	$	6,937	$	387,703
Weighted average risk grade		3.43		3.42		3.47		3.43		3.55		3.53		3.29		3.96		3.51
Commercial real estate - nonowner occupied
Pass	$	107,572	$	55,956		19,816	$	76,076	$	58,883	$	235,676	$	3,668	$	—	$	557,647
Special Mention		—		—		—		—		—		12,097		—		—		12,097
Substandard		—		—		—		—		—		17,655		—		601		18,256
Doubtful		—		—		—		—		—		—		—		—		—
	$	107,572	$	55,956	$	19,816	$	76,076	$	58,883	$	265,428	$	3,668	$	601	$	588,000
Weighted average risk grade		3.05		3.47		3.83		3.45		3.81		3.81		2.94		6.00		3.59
Secured by farmland
Pass	$	320	$	66	$	—	$	—	$	445	$	3,734	$	1,955	$	—	$	6,520
Special Mention		—		—		—		—		852		404		—		—		1,256
Substandard		—		—		24		—		681		—		131		—		836
Doubtful		—		—		—		—		—		—		—		—		—
	$	320	$	66	$	24	$	—	$	1,978	$	4,138	$	2,086	$	—	$	8,612
Weighted average risk grade		3.17		4.00		6.00		N/A		5.04		3.61		4.09		N/A		4.05
Construction and land development
Pass	$	57,320	$	14,003	$	13,360	$	7,061	$	8,414	$	15,664	$	982	$	31	$	116,835
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		4,575		—		—		34		—		—		4,609
Doubtful		—		—		—		—		—		—		—		—		—
	$	57,320	$	14,003	$	17,935	$	7,061	$	8,414	$	15,698	$	982	$	31	$	121,444
Weighted average risk grade		3.15		3.56		4.48		3.26		3.91		3.54		3.31		4.00		3.50
Residential 1-4 family
Pass	$	165,106	$	54,037	$	81,905	$	49,694	$	43,173	$	138,711	$	1,845	$	3,484	$	537,955
Special Mention		—		—		8,514		—		—		—		—		—		8,514
Substandard		—		—		—		—		—		795		—		296		1,091
Doubtful		—		—		—		—		—		—		—		—		—
	$	165,106	$	54,037	$	90,419	$	49,694	$	43,173	$	139,506	$	1,845	$	3,780	$	547,560
Weighted average risk grade		3.04		3.06		3.24		3.13		3.07		3.26		3.98		3.30		3.15
Multi- family residential
Pass	$	37,030	$	18,866	$	7,228	$	6,328	$	36,574	$	42,310	$	5,031	$	—	$	153,367
Special Mention		—		—		—		—		—		5,326		—		—		5,326
Substandard		—		—		—		—		—		5,076		—		302		5,378
Doubtful		—		—		—		—		—		—		—		—		—
	$	37,030	$	18,866	$	7,228	$	6,328	$	36,574	$	52,712	$	5,031	$	302	$	164,071
Weighted average risk grade		3.40		3.90		3.00		3.59		3.00		3.92		4.00		6.00		3.55
Home equity lines of credit
Pass	$	715	$	59	$	75	$	235	$	425	$	4,337	$	67,157	$	143	$	73,146
Special Mention		—		—		—		—		—		—		276		—		276
Substandard		—		—		—		—		—		—		398		26		424
Doubtful		—		—		—		—		—		—		—		—		—
	$	715	$	59	$	75	$	235	$	425	$	4,337	$	67,831	$	169	$	73,846
Weighted average risk grade		3.00		3.00		3.00		3.00		3.77		3.79		3.09		4.31		3.14
Commercial loans
Pass	$	95,085	$	10,415	$	11,923	$	10,648	$	10,522	$	18,284	$	134,302	$	5,338	$	296,517
Special Mention		—		—		—		—		—		—		845		—		845
Substandard		—		9		—		1,508		—		1,938		1,163		—		4,618
Doubtful		—		—		—		—		—		—		—		—		—
	$	95,085	$	10,424	$	11,923	$	12,156	$	10,522	$	20,222	$	136,310	$	5,338	$	301,980
Weighted average risk grade		3.43		3.36		3.79		3.77		2.95		3.96		3.43		3.95		3.48
Paycheck Protection Program loans
Pass	$	56,087	$	21,232	$	—	$	—	$	—	$	—	$	—	$	—	$	77,319
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
	$	56,087	$	21,232	$	—	$	—	$	—	$	—	$	—	$	—	$	77,319
Weighted average risk grade		2.00		2.00		N/A		N/A		N/A		N/A		N/A		N/A		2.00

															Revolving
															Loans
														Revolving	Converted
	2021		2020		2019		2018		2017		Prior		Loans		To Term		Total
Consumer loans
Pass	$	48,107	$	2,351	$	1,002	$	914	$	237	$	5,766	$	2,519	$	—	$	60,896
Special Mention		—		—		—		—		—		82		—		—		82
Substandard		—		—		—		7		9		2		—		—		18
Doubtful		—		—		—		—		—		—		—		—		—
	$	48,107	$	2,351	$	1,002	$	921	$	246	$	5,850	$	2,519	$	—	$	60,996
Weighted average risk grade		3.55		3.99		3.99		4.02		4.07		4.01		4.00		N/A		3.65
PCD
Pass	$	—	$	—	$	—	$	—	$	—	$	5,145	$	30	$	—	$	5,175
Special Mention		—		—		—		—		—		1,391		—		—		1,391
Substandard		—		—		—		—		1,717		172		—		—		1,889
Doubtful		—		—		—		—		—		—		—		—		—
	$	—	$	—	$	—	$	—	$	1,717	$	6,708	$	30	$	—	$	8,455
Weighted average risk grade		N/A		N/A		N/A		N/A		6.00		4.08		3.00		N/A		4.47
Total	$	625,938	$	195,405	$	184,395	$	180,634	$	207,085	$	706,059	$	223,312	$	17,158	$	2,339,986
Weighted average risk grade		3.12		3.24		3.50		3.38		3.45		3.64		3.35		3.92		3.39

Revolving loans that converted to term during 2022 were as follows (in thousands):

	For the three months ended June 30, 2022		For the six months ended June 30, 2022
Commercial real estate - non-owner occupied	$	3,099	$	3,099
Secured by farmland		129		220
Residential 1-4 family		174		422
Multi- family residential		704		704
Home equity lines of credit		—		740
Commercial loans		40,325		40,459
Total loans	$	44,431	$	45,644

Schedule of allowance for loan losses and the recorded investment by portfolio segment

The following tables present details of the allowance for credit losses on loans segregated by loan portfolio segment as of June 30, 2022 and December 31, 2021, calculated in accordance with the current expected credit losses (“CECL”) methodology described above (in thousands). 

	Commercial		Commercial										Home
	Real Estate		Real Estate				Construction						Equity				Paycheck
	Owner		Non-owner		Secured by		and Land		1-4 Family		Multi-Family		Lines Of		Commercial		Protection		Consumer		PCD
June 30, 2022	Occupied		Occupied		Farmland		Development		Residential		Residential		Credit		Loans		Program		Loans		Loans		Total
Modeled expected credit losses	$	4,014	$	7,411	$	10	$	610	$	3,431	$	1,715	$	272	$	3,592	$	—	$	1,550	$	—	$	22,605
Q-factor and other qualitative adjustments		287		506		39		414		841		445		91		809		—		—		—		3,432
Specific allocations		—		—		—		—		—		—		—		2,027		—		19		2,126		4,172
Total	$	4,301	$	7,917	$	49	$	1,024	$	4,272	$	2,160	$	363	$	6,428	$	—	$	1,569	$	2,126	$	30,209
	Commercial		Commercial										Home
	Real Estate		Real Estate				Construction						Equity				Paycheck
	Owner		Non-owner		Secured by		and Land		1-4 Family		Multi-Family		Lines Of		Commercial		Protection		Consumer		PCD
December 31, 2021	Occupied		Occupied		Farmland		Development		Residential		Residential		Credit		Loans		Program		Loans		Loans		Total
Modeled expected credit losses	$	4,281	$	8,020	$	9	$	540	$	3,012	$	1,885	$	273	$	2,154	$	—	$	786	$	—	$	20,960
Q-factor and other qualitative adjustments		281		1,008		47		458		576		1,395		164		1,276		—		—		—		5,205
Specific allocations		—		—		—		—		—		—		—		658		—		1		2,281		2,940
Total	$	4,562	$	9,028	$	56	$	998	$	3,588	$	3,280	$	437	$	4,088	$	—	$	787	$	2,281	$	29,105

Activity in the allowance for credit losses by class of loan for the three months ended June 30, 2022 and 2021 is summarized below (in thousands):

	Commercial		Commercial
	Real Estate		Real Estate				Construction						Home Equity
	Owner		Non-owner		Secured by		and Land		1-4 Family		Multi-Family		Lines Of		Commercial		Consumer		PCD
Three Months Ended June 30, 2022	Occupied		Occupied		Farmland		Development		Residential		Residential		Credit		Loans		Loans		Loans		Total
Allowance for credit losses:
Beginning balance	$	4,173	$	8,913	$	49	$	1,029	$	3,888	$	2,289	$	376	$	5,466	$	1,025	$	2,171	$	29,379
Provision (recovery)		142		(1,498)		—		(5)		384		(129)		(14)		962		625		(45)		422
Charge offs		(14)		—		—		—		—		—		—		—		(84)		—		(98)
Recoveries		—		502		—		—		—		—		1		—		3		—		506
Ending balance	$	4,301	$	7,917	$	49	$	1,024	$	4,272	$	2,160	$	363	$	6,428	$	1,569	$	2,126	$	30,209
Three Months Ended June 30, 2021
Allowance for credit losses:
Beginning balance	$	4,144	$	13,804	$	111	$	3,066	$	6,770	$	1,246	$	825	$	2,192	$	369	$	2,366	$	34,893
Provision (recovery)		794		(2,569)		(31)		(375)		(2,328)		(157)		(224)		633		70		(28)		(4,215)
Charge offs		(169)		—		—		—		—		—		—		—		(18)		—		(187)
Recoveries		—		—		—		—		9		1		—		757		7		—		774
Ending balance	$	4,769	$	11,235	$	80	$	2,691	$	4,451	$	1,090	$	601	$	3,582	$	428	$	2,338	$	31,265

Activity in the allowance for credit losses by class of loan for the six months ended June 30, 2022 and 2021 is summarized below (in thousands):

	Commercial		Commercial
	Real Estate		Real Estate				Construction						Home Equity
	Owner		Non-owner		Secured by		and Land		1-4 Family		Multi-Family		Lines Of		Commercial		Consumer		PCD
Six Months Ended June 30, 2022	Occupied		Occupied		Farmland		Development		Residential		Residential		Credit		Loans		Loans		Loans		Total
Allowance for credit losses:
Beginning balance	$	4,562	$	9,028	$	56	$	998	$	3,588	$	3,280	$	437	$	4,088	$	787	$	2,281	$	29,105
Provision (recovery)		(247)		(1,613)		(7)		26		627		(1,120)		(61)		2,170		901		(155)		521
Charge offs		(14)		—		—		—		—		—		(14)		—		(131)		—		(159)
Recoveries		—		502		—		—		57		—		1		170		12		—		742
Ending balance	$	4,301	$	7,917	$	49	$	1,024	$	4,272	$	2,160	$	363	$	6,428	$	1,569	$	2,126	$	30,209
Six Months Ended June 30, 2021
Allowance for credit losses:
Beginning balance	$	6,699	$	11,426	$	104	$	1,815	$	9,579	$	1,412	$	901	$	1,498	$	517	$	2,394	$	36,345
Provision (recovery)		(1,761)		(191)		(24)		876		(5,138)		(323)		(300)		1,393		(63)		(56)		(5,587)
Charge offs		(169)		—		—		—		—		—		—		(74)		(54)		—		(297)
Recoveries		—		—		—		—		10		1		—		765		28		—		804
Ending balance	$	4,769	$	11,235	$	80	$	2,691	$	4,451	$	1,090	$	601	$	3,582	$	428	$	2,338	$	31,265

The following table presents loans that were evaluated for expected credit losses on an individual basis and the related specific allocations, by loan portfolio segment as of June 30, 2022 and December 31, 2021 (in thousands):

	June 30, 2022				December 31, 2021
	Loan		Specific		Loan		Specific
	Balance (1)		Allocations		Balance (1)		Allocations
Commercial real estate - owner occupied	$	2,805	$	—	$	3,291	$	—
Commercial real estate - non-owner occupied		—		—		18,256		—
Secured by farmland		659		—		681		—
Construction and land development		—		—		4,575		—
Residential 1-4 family		9,244		—		541		—
Multi- family residential		10,516		—		5,378		—
Home equity lines of credit		23		—		—		—
Commercial loans		5,221		2,027		3,688		658
Consumer loans		32		19		7		1
Total non-PCD loans		28,500		2,046		36,417		659
PCD loans		6,843		2,126		8,455		2,281
Total loans	$	35,343	$	4,172	$	44,872	$	2,940

(1) Includes SBA guarantees of $0.7 million at June 30, 2022 and December 31, 2021.