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Loans (Tables)
 3 Months Ended
Mar. 31, 2022
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, 2022 and December 31, 2021:
March 31,
2022		December 31,
2021
Commercial
Owner occupied real estate$573,669 $560,887 
Non–owner occupied real estate1,113,198 1,088,470 
Residential spec homes11,115 9,907 
Development & spec land24,225 24,473 
Commercial and industrial537,120 530,208 
Total commercial2,259,327 2,213,945 
Real estate
Residential mortgage558,194 563,811 
Residential construction35,178 30,571 
Mortgage warehouse105,118 109,031 
Total real estate698,490 703,413 
Consumer
Direct installment60,578 63,714 
Indirect installment395,450 372,575 
Home equity297,872 290,970 
Total consumer753,900 727,259 
Total loans3,711,717 3,644,617 
Allowance for credit losses(52,508)(54,286)
Net loans$3,659,209 $3,590,331 
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, loans past due over 90 days still on accrual, and troubled debt restructurings (“TDRs”) by class of loans:

March 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$4,188 $— $— $568 $4,756 $2,702 
Non–owner occupied real estate635 — 281 — 916 535 
Residential spec homes— — — — — — 
Development & spec land815 — — — 815 65 
Commercial and industrial1,357 — — — 1,357 556 
Total commercial6,995 — 281 568 7,844 3,858 
Real estate
Residential mortgage6,264 — 880 1,440 8,584 8,584 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate6,264 — 880 1,440 8,584 8,584 
Consumer
Direct installment74 4 — — 78 78 
Indirect installment516 102 — — 618 618 
Home equity2,284 1 340 364 2,989 2,989 
Total consumer2,874 107 340 364 3,685 3,685 
Total$16,133 $107 $1,501 $2,372 $20,113 $16,127 
December 31, 2021
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$4,247 $— $— $603 $4,850 $2,796 
Non–owner occupied real estate761 — 285 — 1,046 1,046 
Residential spec homes— — — — — — 
Development & spec land919 — — — 919 919 
Commercial and industrial694 — — — 694 456 
Total commercial6,621 — 285 603 7,509 5,217 
Real estate
Residential mortgage5,626 66 892 1,421 8,005 8,005 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate5,626 66 892 1,421 8,005 8,005 
Consumer
Direct installment7 — — — 7 7 
Indirect installment538 15 — — 553 553 
Home equity2,170 64 344 367 2,945 2,945 
Total consumer2,715 79 344 367 3,505 3,505 
Total$14,962 $145 $1,521 $2,391 $19,019 $16,727 
Schedule of Payment Status by Class of Loan
The following table presents the payment status by class of loan, excluding non–accrual loans of $16.1 million and non–performing TDRs of $1.5 million at March 31, 2022:
March 31, 2022
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$568,801 $680 $— $— $680 $569,481 
Non–owner occupied real estate1,112,170 112 — — 112 1,112,282 
Residential spec homes11,115 — — — — 11,115 
Development & spec land23,410 — — — — 23,410 
Commercial and industrial535,198 565 — — 565 535,763 
Total commercial2,250,694 1,357 — — 1,357 2,252,051 
Real estate
Residential mortgage549,343 1,421 286 — 1,707 551,050 
Residential construction35,178 — — — — 35,178 
Mortgage warehouse105,118 — — — — 105,118 
Total real estate689,639 1,421 286 — 1,707 691,346 
Consumer
Direct installment60,359 119 22 4 145 60,504 
Indirect installment392,260 2,162 410 102 2,674 394,934 
Home equity294,666 493 88 1 582 295,248 
Total consumer747,285 2,774 520 107 3,401 750,686 
Total$3,687,618 $5,552 $806 $107 $6,465 $3,694,083 
The following table presents the payment status by class of loan, excluding non–accrual loans of $15.0 million and non–performing TDRs of $1.5 million at December 31, 2021:
December 31, 2021
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$555,851 $789 $— $— $789 $556,640 
Non–owner occupied real estate1,085,716 1,708 — — 1,708 1,087,424 
Residential spec homes9,907 — — — — 9,907 
Development & spec land23,496 58 — — 58 23,554 
Commercial and industrial528,461 974 79 — 1,053 529,514 
Total commercial2,203,431 3,529 79 — 3,608 2,207,039 
Real estate
Residential mortgage556,128 834 265 66 1,165 557,293 
Residential construction30,571 — — — — 30,571 
Mortgage warehouse109,031 — — — — 109,031 
Total real estate695,730 834 265 66 1,165 696,895 
Consumer
Direct installment63,295 409 3 — 412 63,707 
Indirect installment369,615 2,271 136 15 2,422 372,037 
Home equity287,382 849 161 64 1,074 288,456 
Total consumer720,292 3,529 300 79 3,908 724,200 
Total$3,619,453 $7,892 $644 $145 $8,681 $3,628,134 
Schedule of TDRs by Loan Portfolio
The following table presents TDRs by class of loan:
March 31, 2022December 31, 2021
Non–accrualAccruingTotalNon–accrualAccruingTotal
Commercial
Owner occupied real estate$— $568 $568 $— $603 $603 
Non–owner occupied real estate281 — 281 285 — 285 
Residential spec homes— — — — — — 
Development & spec land— — — — — — 
Commercial and industrial— — — — — — 
Total commercial281 568 849 285 603 888 
Real estate
Residential mortgage880 1,440 2,320 892 1,421 2,313 
Residential construction— — — — — — 
Mortgage warehouse— — — — — — 
Total real estate880 1,440 2,320 892 1,421 2,313 
Consumer
Direct installment— — — — — — 
Indirect installment— — — — — — 
Home equity340 364 704 344 367 711 
Total consumer340 364 704 344 367 711 
Total$1,501 $2,372 $3,873 $1,521 $2,391 $3,912 
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, 2022
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$4,244 $512 $— $4,756 $568 
Non–owner occupied real estate916 — — 916 112 
Residential spec homes— — — — — 
Development & spec land815 — — 815 97 
Commercial and industrial— 1,341 16 1,357 248 
Total commercial5,975 1,853 16 7,844 1,025 
Total collateral dependent loans$5,975 $1,853 $16 $7,844 $1,025 
December 31, 2021
Real EstateAccounts Receivable/EquipmentOtherTotalACL
Allocation
Commercial
Owner occupied real estate$11,201 $103 $— $11,304 $632 
Non–owner occupied real estate2,068 — — 2,068 — 
Residential spec homes— — — — — 
Development & spec land919 — — 919 — 
Commercial and industrial427 1,218 — 1,645 128 
Total commercial14,615 1,321 — 15,936 760 
Total collateral dependent loans$14,615 $1,321 $— $15,936 $760 
Schedule of Loans by Credit Grades
The following tables present loans by credit grades and origination year at March 31, 2022.
March 31, 202220222021202020192018PriorRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$32,701 $92,878 $55,242 $59,630 $42,765 $203,997 $51,224 $538,437 
Special Mention— — — 2,286 2,862 7,576 1,576 14,300 
Substandard— — 998 1,554 3,117 11,314 3,949 20,932 
Doubtful— — — — — — — — 
Total owner occupied real estate$32,701 $92,878 $56,240 $63,470 $48,744 $222,887 $56,749 $573,669 
Non–owner occupied real estate
Pass$31,866 $179,270 $106,615 $118,622 $50,618 $353,883 $205,014 $1,045,888 
Special Mention— — 833 6,907 41,143 4,527 — 53,410 
Substandard— 714 — — 3,600 9,586 — 13,900 
Doubtful— — — — — — — — 
Total non–owner occupied real estate$31,866 $179,984 $107,448 $125,529 $95,361 $367,996 $205,014 $1,113,198 
Residential spec homes
Pass$358 $2,977 $145 $— $— $1,986 $5,649 $11,115 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total residential spec homes$358 $2,977 $145 $— $— $1,986 $5,649 $11,115 
Development & spec land
Pass$— $1,704 $491 $492 $9 $11,726 $8,692 $23,114 
Special Mention— — — — — 169 — 169 
Substandard— — — — — 195 747 942 
Doubtful— — — — — — — — 
Total development & spec land$— $1,704 $491 $492 $9 $12,090 $9,439 $24,225 
Commercial & industrial
Pass$61,707 $164,636 $42,679 $40,506 $44,081 $124,904 $23,536 $502,049 
Special Mention193 2,681 3,093 927 4,927 10,741 2,624 25,186 
Substandard— 54 121 1,324 3,861 2,210 2,315 9,885 
Doubtful— — — — — — — — 
Total commercial & industrial$61,900 $167,371 $45,893 $42,757 $52,869 $137,855 $28,475 $537,120 
Total commercial$126,825 $444,914 $210,217 $232,248 $196,983 $742,814 $305,326 $2,259,327 
March 31, 202220212020201920182017PriorRevolving LoansTotal
Real estate
Residential mortgage
Performing$28,517 $122,779 $97,700 $38,406 $46,285 $215,923 $— $549,610 
Non–performing— 133 300 539 851 6,761 — 8,584 
Total residential mortgage$28,517 $122,912 $98,000 $38,945 $47,136 $222,684 $— $558,194 
Residential construction
Performing$— $— $— $— $— $— $35,178 $35,178 
Non–performing— — — — — — — — 
Total residential construction$— $— $— $— $— $— $35,178 $35,178 
Mortgage warehouse
Performing$— $— $— $— $— $— $105,118 $105,118 
Non–performing— — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $105,118 $105,118 
Total real estate$28,517 $122,912 $98,000 $38,945 $47,136 $222,684 $140,296 $698,490 
March 31, 202220212020201920182017PriorRevolving LoansTotal
Consumer
Direct installment
Performing$6,896 $16,951 $10,410 $11,748 $6,000 $8,485 $10 $60,500 
Non–performing— — — 15 — 63 — 78 
Total direct installment$6,896 $16,951 $10,410 $11,763 $6,000 $8,548 $10 $60,578 
Indirect installment
Performing$61,756 $149,623 $81,675 $51,303 $33,551 $16,924 $— $394,832 
Non–performing— 69 73 234 96 146 — 618 
Total indirect installment$61,756 $149,692 $81,748 $51,537 $33,647 $17,070 $— $395,450 
Home equity
Performing$24,015 $82,796 $47,913 $31,705 $24,896 $77,868 $5,690 $294,883 
Non–performing— 8 112 134 23 1,417 1,295 2,989 
Total home equity$24,015 $82,804 $48,025 $31,839 $24,919 $79,285 $6,985 $297,872 
Total consumer$92,667 $249,447 $140,183 $95,139 $64,566 $104,903 $6,995 $753,900 
The following tables present loans by credit grades and origination year at December 31, 2021.
December 31, 202120212020201920182017PriorRevolving LoansTotal
Commercial
Owner occupied real estate
Pass$86,798 $58,789 $61,134 $43,903 $46,530 $159,351 $60,539 $517,044 
Special Mention— 72 2,685 3,194 7,279 11,451 1,345 26,026 
Substandard— 1,003 1,312 3,192 1,957 9,579 774 17,817 
Doubtful— — — — — — — — 
Total owner occupied real estate$86,798 $59,864 $65,131 $50,289 $55,766 $180,381 $62,658 $560,887 
Non–owner occupied real estate
Pass$175,538 $108,465 $120,561 $59,596 $126,334 $260,362 $178,928 $1,029,784 
Special Mention— 839 1,192 34,412 999 3,850 515 41,807 
Substandard720 — 6,045 1,096 425 7,793 800 16,879 
Doubtful— — — — — — — — 
Total non–owner occupied real estate$176,258 $109,304 $127,798 $95,104 $127,758 $272,005 $180,243 $1,088,470 
Residential spec homes
Pass$1,115 $254 $155 $— $— $1,346 $7,037 $9,907 
Special Mention— — — — — — — — 
Substandard— — — — — — — — 
Doubtful— — — — — — — — 
Total residential spec homes$1,115 $254 $155 $— $— $1,346 $7,037 $9,907 
Development & spec land
Pass$2,282 $536 $503 $11 $3,583 $8,496 $7,837 $23,248 
Special Mention— — — — — 177 — 177 
Substandard— — — — 11 289 748 1,048 
Doubtful— — — — — — — — 
Total development & spec land$2,282 $536 $503 $11 $3,594 $8,962 $8,585 $24,473 
Commercial & industrial
Pass$198,482 $48,245 $43,003 $47,986 $64,292 $69,589 $23,647 $495,244 
Special Mention592 3,278 2,090 4,588 3,781 7,427 3,295 25,051 
Substandard111 143 1,211 3,936 1,313 1,847 1,352 9,913 
Doubtful— — — — — — — — 
Total commercial & industrial$199,185 $51,666 $46,304 $56,510 $69,386 $78,863 $28,294 $530,208 
Total commercial$465,638 $221,624 $239,891 $201,914 $256,504 $541,557 $286,817 $2,213,945 
December 31, 202120212020201920182017PriorRevolving LoansTotal
Real estate
Residential mortgage
Performing$116,118 $105,051 $44,691 $50,778 $56,330 $182,838 $— $555,806 
Non–performing— 78 448 854 66 6,559 — 8,005 
Total residential mortgage$116,118 $105,129 $45,139 $51,632 $56,396 $189,397 $— $563,811 
Residential construction
Performing$— $— $— $— $— $— $30,571 $30,571 
Non–performing— — — — — — — — 
Total residential construction$— $— $— $— $— $— $30,571 $30,571 
Mortgage warehouse
Performing$— $— $— $— $— $— $109,031 $109,031 
Non–performing— — — — — — — — 
Total mortgage warehouse$— $— $— $— $— $— $109,031 $109,031 
Total real estate$116,118 $105,129 $45,139 $51,632 $56,396 $189,397 $139,602 $703,413 
December 31, 202120212020201920182017PriorRevolving LoansTotal
Consumer
Direct installment
Performing$18,826 $12,756 $13,390 $7,027 $6,036 $5,577 $95 $63,707 
Non–performing— — — — 1 6 — 7 
Total direct installment$18,826 $12,756 $13,390 $7,027 $6,037 $5,583 $95 $63,714 
Indirect installment
Performing$160,194 $91,416 $58,907 $39,956 $17,014 $4,535 $— $372,022 
Non–performing46 93 162 92 88 72 — 553 
Total indirect installment$160,240 $91,509 $59,069 $40,048 $17,102 $4,607 $— $372,575 
Home equity
Performing$80,389 $51,856 $34,603 $26,924 $22,495 $65,059 $6,699 $288,025 
Non–performing9 114 37 90 166 1,321 1,208 2,945 
Total home equity$80,398 $51,970 $34,640 $27,014 $22,661 $66,380 $7,907 $290,970 
Total consumer$259,464 $156,235 $107,099 $74,089 $45,800 $76,570 $8,002 $727,259