Loans And Related Allowances For Loan Losses (Tables)

3 Months Ended

Mar. 31, 2022

Loans And Related Allowances For Loan Losses [Abstract]

Loan Portfolio Segments

(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Total
March 31, 2022
Individually evaluated for impairment	$	2,316	$	612	$	—	$	2,603	$	—	$	5,531
Collectively evaluated for impairment		388,820		132,419		194,914		397,101		62,616		1,175,870
Total loans	$	391,136	$	133,031	$	194,914	$	399,704	$	62,616	$	1,181,401
December 31, 2021
Individually evaluated for impairment	$	2,365	$	629	$	90	$	2,644	$	—	$	5,728
Collectively evaluated for impairment		371,926		127,448		180,886		402,042		65,657		1,147,959
Total loans	$	374,291	$	128,077	$	180,976	$	404,686	$	65,657	$	1,153,687

Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating

(in thousands)	Pass		Special Mention		Substandard		Total
March 31, 2022
Commercial real estate
Non owner-occupied	$	182,504	$	6,504	$	12,387	$	201,395
All other CRE		182,968		2,330		4,443		189,741
Acquisition and development
1-4 family residential construction		27,177		—		—		27,177
All other A&D		105,258		215		381		105,854
Commercial and industrial		175,253		4,992		14,669		194,914
Residential mortgage
Residential mortgage - term		335,872		—		5,356		341,228
Residential mortgage - home equity		57,744		—		732		58,476
Consumer		62,457		—		159		62,616
Total	$	1,129,233	$	14,041	$	38,127	$	1,181,401
December 31, 2021
Commercial real estate
Non owner-occupied	$	173,299	$	12,987	$	6,077	$	192,363
All other CRE		174,395		2,357		5,176		181,928
Acquisition and development
1-4 family residential construction		19,924		—		—		19,924
All other A&D		107,532		218		403		108,153
Commercial and industrial		161,429		5,071		14,476		180,976
Residential mortgage
Residential mortgage - term		338,832		—		5,624		344,456
Residential mortgage - home equity		59,533		—		697		60,230
Consumer		65,557		—		100		65,657
Total	$	1,100,501	$	20,633	$	32,553	$	1,153,687

Loan Portfolio Summarized by the Past Due Status

(in thousands)	Current		30-59 Days Past Due		60-89 Days Past Due		90 Days+ Past Due		Total Past Due and Accruing		Non- Accrual		Total Loans
March 31, 2022
Commercial real estate
Non owner-occupied	$	201,395	$	—	$	—	$	—	$	—	$	—	$	201,395
All other CRE		189,165		503		—		—		503		73		189,741
Acquisition and development
1-4 family residential construction		27,177		—		—		—		—		—		27,177
All other A&D		105,473		—		—		—		—		381		105,854
Commercial and industrial		194,681		230		3		—		233		—		194,914
Residential mortgage
Residential mortgage - term		339,090		590		61		—		651		1,487		341,228
Residential mortgage - home equity		57,737		299		49		—		348		391		58,476
Consumer		62,159		281		139		37		457				62,616
Total	$	1,176,877	$	1,903	$	252	$	37	$	2,192	$	2,332	$	1,181,401
December 31, 2021
Commercial real estate
Non owner-occupied	$	192,363	$	—	$	—	$	—	$	—	$	—	$	192,363
All other CRE		181,847		—		—		—		—		81		181,928
Acquisition and development
1-4 family residential construction		19,924		—		—		—		—		—		19,924
All other A&D		107,763		—		—		—		—		390		108,153
Commercial and industrial		180,676		132		78		—		210		90		180,976
Residential mortgage
Residential mortgage - term		340,429		159		2,222		148		2,529		1,498		344,456
Residential mortgage - home equity		59,485		238		104		—		342		403		60,230
Consumer		65,208		268		29		152		449		—		65,657
Total	$	1,147,695	$	797	$	2,433	$	300	$	3,530	$	2,462	$	1,153,687

Primary Segments of the Allowance for Loan Loss

(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Unallocated		Total
March 31, 2022
Individually evaluated for impairment	$	—	$	—	$	—	$	35	$	—	$	—	$	35
Collectively evaluated for impairment	$	5,922	$	2,542	$	2,513	$	2,910	$	940	$	430	$	15,257
Total ALL	$	5,922	$	2,542	$	2,513	$	2,945	$	940	$	430	$	15,292
December 31, 2021
Individually evaluated for impairment	$	—	$	—	$	28	$	36	$	—	$	—	$	64
Collectively evaluated for impairment	$	6,032	$	2,615	$	2,432	$	3,448	$	934	$	430	$	15,891
Total ALL	$	6,032	$	2,615	$	2,460	$	3,484	$	934	$	430	$	15,955

Impaired Loans and Related Interest Income by Loan Portfolio Class

	Impaired Loans with Specific Allowance				Impaired Loans with No Specific Allowance		Total Impaired Loans
(in thousands)	Recorded Investment		Related Allowances		Recorded Investment		Recorded Investment (1)		Unpaid Principal Balance
March 31, 2022
Commercial real estate
Non owner-occupied	$	—	$	—	$	105	$	105	$	105
All other CRE		—		—		2,211		2,211		2,211
Acquisition and development
1-4 family residential construction		—		—		231		231		231
All other A&D		—		—		381		381		1,590
Commercial and industrial		—		—		—		—		2,214
Residential mortgage
Residential mortgage – term		328		30		1,884		2,212		2,273
Residential mortgage – home equity		46		5		345		391		391
Consumer		—		—		—		—		—
Total impaired loans	$	374	$	35	$	5,157	$	5,531	$	9,015
December 31, 2021
Commercial real estate
Non owner-occupied	$	—	$	—	$	106	$	106	$	106
All other CRE		—		—		2,259		2,259		2,259
Acquisition and development
1-4 family residential construction		—		—		239		239		239
All other A&D		—		—		390		390		1,599
Commercial and industrial		90		28		—		90		2,304
Residential mortgage
Residential mortgage – term		344		31		1,897		2,241		2,302
Residential mortgage – home equity		46		5		357		403		422
Consumer		—		—		—		—		—
Total impaired loans	$	480	$	64	$	5,248	$	5,728	$	9,231

(1) Recorded investment consists of unpaid principal balance, net of charge-offs, interest payments received applied to principal and unamortized deferred loan origination fees and cost.

Allowance for Loan Losses Summarized by Loan Portfolio Segments

(in thousands)	Commercial Real Estate		Acquisition and Development		Commercial and Industrial		Residential Mortgage		Consumer		Unallocated		Total
ALL balance at January 1, 2022	$	6,032	$	2,615	$	2,460	$	3,484	$	934	$	430	$	15,955
Charge-offs		—		—		(48)		(9)		(246)		—		(303)
Recoveries		1		18		3		15		22		—		59
Provision		(111)		(91)		98		(545)		230		—		(419)
ALL balance at March 31, 2022	$	5,922	$	2,542	$	2,513	$	2,945	$	940	$	430	$	15,292
ALL balance at January 1, 2021	$	5,543	$	2,339	$	2,584	$	5,150	$	370	$	500	$	16,486
Charge-offs		—		(81)		—		(82)		(80)		—		(243)
Recoveries		—		101		36		17		47		—		201
Provision		(139)		64		211		(57)		31		—		110
ALL balance at March 31, 2021	$	5,404	$	2,423	$	2,831	$	5,028	$	368	$	500	$	16,554

Average of Impaired Loans and Related Interest Income by Loan Portfolio Class

	Three months ended						Three months ended
	March 31, 2022						March 31, 2021
(in thousands)	Average investment		Interest income recognized on an accrual basis		Interest income recognized on a cash basis		Average investment		Interest income recognized on an accrual basis		Interest income recognized on a cash basis
Commercial real estate
Non owner-occupied	$	106	$	3	$	—	$	2,406	$	3	$	—
All other CRE		2,235		23		—		3,182		35		—
Acquisition and development
1-4 family residential construction		235		4		—		263		3		—
All other A&D		386		—		—		596		3		—
Commercial and industrial		45		—		—		—		—		—
Residential mortgage
Residential mortgage – term		2,227		12		5		2,784		20		5
Residential mortgage – home equity		397		—		—		446		—		—
Consumer		—		—		—		25		—		—
Total	$	5,631	$	42	$	5	$	9,702	$	64	$	5