XML 32 R23.htm IDEA: XBRL DOCUMENT

LOANS AND ALLOWANCE FOR CREDIT LOSSES (Tables)

9 Months Ended

Sep. 30, 2022

Schedule of loans, net of unearned income

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


	September 30, 2022		December 31, 2021
Loans held for sale	$	13,388	$	—
Loans held for investment
Loans secured by real estate:
Commercial real estate - owner occupied	$	436,354	$	387,703
Commercial real estate - non-owner occupied		572,279		588,000
Secured by farmland		7,514		8,612
Construction and land development		138,297		121,444
Residential 1-4 family		615,529		547,560
Multi-family residential		137,253		164,071
Home equity lines of credit		65,852		73,846
Total real estate loans		1,973,078		1,891,236

Commercial loans		469,618		301,980
Paycheck Protection Program loans		8,014		77,319
Consumer loans		279,678		60,996
Total Non-PCD loans		2,730,388		2,331,531
PCD loans		6,698		8,455
Total loans	$	2,737,086	$	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 held for investment as of September 30, 2022 and December 31, 2021 (in thousands):

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


	90			Less Than	Total		Nonaccrual With
	Days			90 Days	Nonaccrual		No Credit
September 30, 2022	or More			Past Due	Loans ⁽¹⁾		Loss Allowance ⁽²⁾
Commercial real estate - owner occupied	$	—	$	458	$	458	$	455
Commercial real estate - non-owner occupied		21,413		—		21,413		21,501
Secured by farmland		625		204		829		798
Construction and land development		—		30		30		30
Residential 1-4 family		120		8,786		8,906		8,792
Home equity lines of credit		195		308		503		519
Commercial loans		2,956		155		3,111		150
Consumer loans		272		1		273		270
Total Non-PCD loans		25,581		9,942		35,523		32,515
PCD loans		1,328		—		1,328		1,297
Total	$	26,909	$	9,942	$	36,851	$	33,812

	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 $0.7 million and $1.1 million at September 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 September 30, 2022 and December 31, 2021, respectively.

Schedule of nonaccrual loans

The following table presents nonaccrual loans as of September 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	$	—	$	—	$	—	$	—	$	—	$	458	$		$	—	$	458
Commercial real estate - non-owner occupied		—		—				—		14,113		7,300		—		—		21,413
Secured by farmland		—		—		—		16		—		813		—		—		829
Construction and land development		—		—		—		—		—		30		—		—		30
Residential 1-4 family		—		—		—		8,234		—		416		—		256		8,906
Multi- family residential		—		—		—		—		—		—		—		—		—
Home equity lines of credit		—		—		—		—		—		—		481		22		503
Commercial loans		—		—		6		—		—		1,515		1,590		—		3,111
Paycheck Protection Program loans		—		—		—		—		—		—		—		—		—
Consumer loans		—		272		—		—		—		1		—		—		273
Total non-PCD nonaccruals		—		272		6		8,250		14,113		10,533		2,071		278		35,523
PCD loans		—		—		—		—		—		1,328		—		—		1,328
Total nonaccrual loans	$	—	$	272	$	6	$	8,250	$	14,113	$	11,861	$	2,071	$	278	$	36,851

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	$	68,378	$	61,605	$	19,526	$	22,472	$	27,680	$	215,097	$	10,893	$	6,789	$	432,440
Special Mention		—		—		—		—		—		1,007		—		—		1,007
Substandard		—		—		—		—		—		2,907		—		—		2,907
Doubtful		—		—		—		—		—		—		—		—		—
	$	68,378	$	61,605	$	19,526	$	22,472	$	27,680	$	219,011	$	10,893	$	6,789	$	436,354
Weighted average risk grade		3.15		3.48		3.38		3.26		3.43		3.52		3.18		3.96		3.43
Commercial real estate - nonowner occupied
Pass	$	23,807	$	122,557	$	37,279	$	41,826	$	56,016	$	227,360	$	4,452	$	3,083	$	516,380
Special Mention		—		—		—		—		926		29,706		—		601		31,233
Substandard		—		—		—		—		14,113		10,553		—		—		24,666
Doubtful		—		—		—		—		—		—		—		—		—
	$	23,807	$	122,557	$	37,279	$	41,826	$	71,055	$	267,619	$	4,452	$	3,684	$	572,279
Weighted average risk grade		3.25		3.17		3.69		3.95		4.04		3.87		2.92		3.33		3.70
Secured by farmland
Pass	$	451	$	21	$	53	$	—	$	—	$	3,553	$	1,578	$	90	$	5,746
Special Mention		—		—		—		—		—		820		—		119		939
Substandard		—		—		—		16		—		813		—		—		829
Doubtful		—		—		—		—		—		—		—		—		—
	$	451	$	21	$	53	$	16	$	—	$	5,186	$	1,578	$	209	$	7,514
Weighted average risk grade		4.00		4.00		4.00		6.00		N/A		4.19		3.98		3.71		4.12
Construction and land development
Pass	$	32,207	$	67,234	$	9,172	$	2,317	$	6,960	$	19,521	$	835	$	21	$	138,267
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		30		—		—		30
Doubtful		—		—		—		—		—		—		—		—		—
	$	32,207	$	67,234	$	9,172	$	2,317	$	6,960	$	19,551	$	835	$	21	$	138,297
Weighted average risk grade		3.28		3.09		3.96		3.47		3.17		3.68		3.36		4.00		3.29
Residential 1-4 family
Pass	$	144,981	$	156,300	$	43,922	$	64,739	$	41,806	$	148,151	$	2,023	$	3,438	$	605,360
Special Mention		—		—		425		—		—		—		—		—		425
Substandard		—		—		—		8,235		—		1,058		—		451		9,744
Doubtful		—		—		—		—		—		—		—		—		—
	$	144,981	$	156,300	$	44,347	$	72,974	$	41,806	$	149,209	$	2,023	$	3,889	$	615,529
Weighted average risk grade		3.08		3.04		3.09		3.40		3.12		3.23		3.90		3.37		3.15
Multi- family residential
Pass	$	5,045	$	22,059	$	18,473	$	7,101	$	1,819	$	76,047	$	5,001	$	690	$	136,235
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		721		—		297		1,018
Doubtful		—		—		—		—		—		—		—		—		—
	$	5,045	$	22,059	$	18,473	$	7,101	$	1,819	$	76,768	$	5,001	$	987	$	137,253
Weighted average risk grade		3.43		3.00		3.90		3.00		3.21		3.31		4.00		4.60		3.36
Home equity lines of credit
Pass	$	249	$	506	$	54	$	68	$	230	$	4,353	$	58,741	$	822	$	65,023
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		807		22		829
Doubtful		—		—		—		—		—		—		—		—		—
	$	249	$	506	$	54	$	68	$	230	$	4,353	$	59,548	$	844	$	65,852
Weighted average risk grade		3.00		3.00		3.00		3.00		3.00		3.86		3.07		4.05		3.13
Commercial loans
Pass	$	231,370	$	66,762	$	8,911	$	7,714	$	9,611	$	22,648	$	95,503	$	21,386	$	463,905
Special Mention		—		—		—		—		—		—		—		402		402
Substandard		—		—		6		1,997		—		1,718		1,590		—		5,311
Doubtful		—		—		—		—		—		—		—		—		—
	$	231,370	$	66,762	$	8,917	$	9,711	$	9,611	$	24,366	$	97,093	$	21,788	$	469,618
Weighted average risk grade		3.09		3.40		3.38		4.23		3.42		3.71		3.51		3.45		3.31
Paycheck Protection Program loans
Pass	$	—	$	5,312	$	2,702	$	—	$	—	$	—	$	—	$	—	$	8,014
Special Mention		—		—		—		—		—		—		—		—		—
Substandard		—		—		—		—		—		—		—		—		—
Doubtful		—		—		—		—		—		—		—		—		—
	$	—	$	5,312	$	2,702	$	—	$	—	$	—	$	—	$	—	$	8,014
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	$	238,776	$	29,571	$	1,638	$	432	$	604	$	4,635	$	3,613	$	—	$	279,269
Special Mention		—		—		—		—		—		66		—		—		66
Substandard		25		317		—		—		—		1		—		—		343
Doubtful		—		—		—		—		—		—		—		—		—
	$	238,801	$	29,888	$	1,638	$	432	$	604	$	4,702	$	3,613	$	—	$	279,678
Weighted average risk grade		3.32		3.80		3.99		3.98		4.00		4.01		3.95		N/A		3.40
PCD
Pass	$	—	$	—	$	—	$	—	$	—	$	3,741	$	—	$	—	$	3,741
Special Mention		—		—		—		—		—		1,338		—		—		1,338
Substandard		—		—		—		—		—		1,619		—		—		1,619
Doubtful		—		—		—		—		—		—		—		—		—
	$	—	$	—	$	—	$	—	$	—	$	6,698	$	—	$	—	$	6,698
Weighted average risk grade		N/A		N/A		N/A		N/A		N/A		4.53		N/A		N/A		4.53
Total	$	745,289	$	532,244	$	142,161	$	156,917	$	159,765	$	777,463	$	185,036	$	38,211	$	2,737,086
Weighted average risk grade		3.18		3.20		3.46		3.56		3.61		3.59		3.36		3.56		3.38

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 September 30, 2022		For the nine months ended September 30, 2022
Commercial real estate - owner occupied	$	—	$	3,083
Commercial real estate - non-owner occupied		—		209
Construction and land development		677		1,086
Residential 1-4 family		—		690
Multi- family residential		—		692
Commercial loans		496		16,879
Total loans	$	1,173	$	22,639

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 September 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
	Owner		Non-owner		Secured by		and Land		1-4 Family		Multi-Family		Lines Of		Commercial		Consumer		PCD
September 30, 2022	Occupied		Occupied		Farmland		Development		Residential		Residential		Credit		Loans		Loans		Loans		Total
Modeled expected credit losses	$	4,564	$	6,099	$	7	$	800	$	3,353	$	1,701	$	286	$	4,422	$	3,269	$	—	$	24,501
Q-factor and other qualitative adjustments		269		531		19		340		647		240		19		802		2		—		2,869
Specific allocations		—		—		—		—		—		—		—		2,453		44		2,089		4,586
Total	$	4,833	$	6,630	$	26	$	1,140	$	4,000	$	1,941	$	305	$	7,677	$	3,315	$	2,089	$	31,956

	Commercial		Commercial										Home
	Real Estate		Real Estate				Construction						Equity
	Owner		Non-owner		Secured by		and Land		1-4 Family		Multi-Family		Lines Of		Commercial		Consumer		PCD
December 31, 2021	Occupied		Occupied		Farmland		Development		Residential		Residential		Credit		Loans		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 September 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 September 30, 2022	Occupied		Occupied		Farmland		Development		Residential		Residential		Credit		Loans		Loans		Loans		Total
Allowance for credit losses:
Beginning balance	$	4,301	$	7,917	$	49	$	1,024	$	4,272	$	2,160	$	363	$	6,428	$	1,569	$	2,126	$	30,209
Provision (recovery)		532		(1,287)		(23)		116		(273)		(219)		(59)		2,256		1,884		(37)		2,890
Charge offs		—		—		—		—		—		—		—		(1,007)		(146)		—		(1,153)
Recoveries		—		—		—		—		1		—		1		—		8		—		10
Ending balance	$	4,833	$	6,630	$	26	$	1,140	$	4,000	$	1,941	$	305	$	7,677	$	3,315	$	2,089	$	31,956

Three Months Ended September 30, 2021
Allowance for credit losses:
Beginning balance	$	4,769	$	11,235	$	80	$	2,691	$	4,451	$	1,090	$	601	$	3,582	$	428	$	2,338	$	31,265
Provision (recovery)		354		(863)		(22)		(1,295)		(44)		2,266		(100)		537		279		(27)		1,085
Charge offs		(7)		—		—		—		(383)		(1)		—		(1,528)		(53)		—		(1,972)
Recoveries		—		—		—		—		1		—		1		1		5		—		8
Ending balance	$	5,116	$	10,372	$	58	$	1,396	$	4,025	$	3,355	$	502	$	2,592	$	659	$	2,311	$	30,386

Activity in the allowance for credit losses by class of loan for the nine months ended September 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
Nine Months Ended September 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)		285		(2,900)		(30)		142		354		(1,339)		(120)		4,426		2,785		(192)		3,411
Charge offs		(14)		—		—		—		—		—		(14)		(1,007)		(277)		—		(1,312)
Recoveries		—		502		—		—		58		—		2		170		20		—		752
Ending balance	$	4,833	$	6,630	$	26	$	1,140	$	4,000	$	1,941	$	305	$	7,677	$	3,315	$	2,089	$	31,956

Nine Months Ended September 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)		(1,407)		(1,054)		(46)		(419)		(5,182)		1,943		(400)		1,930		216		(83)		(4,502)
Charge offs		(176)		—		—		—		(383)		—		—		(1,602)		(107)		—		(2,268)
Recoveries		—		—		—		—		11		—		1		766		33		—		811
Ending balance	$	5,116	$	10,372	$	58	$	1,396	$	4,025	$	3,355	$	502	$	2,592	$	659	$	2,311	$	30,386

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 September 30, 2022 and December 31, 2021 (in thousands):


	September 30, 2022				December 31, 2021
	Loan		Specific		Loan		Specific
	Balance ⁽¹⁾		Allocations		Balance ⁽¹⁾		Allocations
Commercial real estate - owner occupied	$	2,800	$	—	$	3,291	$	—
Commercial real estate - non-owner occupied		24,669		—		18,256		—
Secured by farmland		625		—		681		—
Construction and land development		—		—		4,575		—
Residential 1-4 family		9,221		—		541		—
Multi- family residential		1,017		—		5,378		—
Home equity lines of credit		72		—		—		—
Commercial loans		4,982		2,453		3,688		658
Consumer loans		55		44		7		1
Total non-PCD loans		43,441		2,497		36,417		659
PCD loans		6,698		2,089		8,455		2,281
Total loans	$	50,139	$	4,586	$	44,872	$	2,940

(1)	Includes SBA guarantees of $2.1 million and $0.7 million at September 30, 2022 and December 31, 2021, respectively.