
Dollars in thousands	2020		2019
Commercial	$	306,885	$	220,452
Commercial real estate - owner occupied
Professional & medical	107,151		81,973
Retail	126,451		100,993
Other	118,258		93,253
Commercial real estate - non-owner occupied
Hotels & motels	121,502		128,665
Mini-storage	60,550		50,913
Multifamily	175,988		164,398
Retail	135,405		102,989
Other	192,120		182,242
Construction and development
Land & land development	107,342		84,112
Construction	91,100		37,523
Residential 1-4 family real estate
Personal residence	305,093		260,843
Rental - small loan	120,426		101,080
Rental - large loan	74,185		63,986
Home equity	81,588		76,568
Mortgage warehouse lines	251,810		126,237
Consumer	33,906		35,021
Other
Credit cards	1,855		1,453
Overdrafts	538		798
Total loans, net of unearned fees	2,412,153		1,913,499
Less allowance for credit losses - loans	32,246		13,074
Loans, net	$	2,379,907	$	1,900,425


	Within		After 1 but		After
Dollars in thousands	1 Year		within 5 Years		5 Years
Commercial	$	96,960	$	145,709	$	64,216
Commercial real estate - owner occupied
Professional & medical	1,888		18,814		86,449
Retail	8,908		8,658		108,885
Other	8,205		10,542		99,511
Commercial real estate - non-owner occupied
Hotels & motels	2,806		27,809		90,887
Mini-storage	170		1,267		59,113
Multifamily	19,406		10,708		145,874
Retail	7,599		19,869		107,937
Other	18,942		54,440		118,738
Construction and development
Land & land development	33,200		38,682		35,460
Construction	5,697		37,643		47,760
Residential 1-4 family real estate
Personal residence	3,826		12,087		289,180
Rental - small loan	11,755		11,667		97,004
Rental - large loan	7,097		8,740		58,348
Home equity	364		4,404		76,820
Mortgage warehouse lines	251,810		—		—
Consumer	3,941		23,435		6,530
Other
Credit cards	1,855		—		—
Overdrafts	538		—		—
	$	484,967	$	434,474	$	1,492,712
Loans due after one year with:
Variable rates			$	941,137
Fixed rates			986,049
			$	1,927,186

COVID-19 Loan Deferments. Certain borrowers are currently unable to meet their contractual payment obligations because of the adverse effects of COVID-19. To help mitigate these effects, loan customers may apply for a deferral of payments, or portions thereof, for up to 90 days. After 90 days, customers may apply for an additional deferral, and a small proportion of our customers have requested such an additional deferral. In the absence of other intervening factors, such short-term modifications made on a good faith basis are not categorized as troubled debt restructurings, nor are loans granted payment deferrals related to COVID-19 reported as past due or placed on non-accrual status (provided the loans were not past due or on non-accrual status prior to the deferral). At December 31, 2020, we had 42 loans in COVID-19 related deferment with an aggregate outstanding balance of approximately $79.3 million.

Past Due Loans and Non-Accrual Loans. Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on non-accrual status when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. In determining whether or not a borrower may be unable to meet payment obligations for each class of loans, we consider the borrower’s debt service capacity through the analysis of current financial information, if available, and/or current information with regards to our collateral position. Regulatory provisions would typically require the placement of a loan on non-accrual status if (i) principal or interest has been in default for a period of 90 days or more unless the loan is both well secured and in the process of collection or (ii) full payment of principal and interest is not expected. Loans may be placed on non-accrual status regardless of whether or not such loans are considered past due. When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income on non-accrual loans is recognized only to the extent that cash payments are received in excess of principal due. A loan may be returned to accrual status when all the principal and interest amounts contractually due are brought current and future principal and interest amounts contractually due are reasonably assured, which is typically evidenced by a sustained period (at least six months) of repayment performance by the borrower.


	At December 31, 2020
	Past Due										90 days or more and Accruing
Dollars in thousands	30-59 days		60-89 days		90 days or more		Total		Current
Commercial	$	60	$	—	$	318	$	378	$	306,507	$	—
Commercial real estate - owner occupied
Professional & medical	220		—		457		677		106,474		—
Retail	54		—		2,259		2,313		124,138		—
Other	—		—		150		150		118,108		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—		121,502		—
Mini-storage	—		—		—		—		60,550		—
Multifamily	—		—		—		—		175,988		—
Retail	—		—		657		657		134,748		—
Other	—		—		315		315		191,805		—
Construction and development
Land & land development	47		—		70		117		107,225		—
Construction	—		—		—		—		91,100		—
Residential 1-4 family real estate
Personal residence	3,750		1,071		1,656		6,477		298,616		—
Rental - small loan	1,129		487		719		2,335		118,091		—
Rental - large loan	769		—		—		769		73,416		—
Home equity	758		—		197		955		80,633		—
Mortgage warehouse lines	—		—		—		—		251,810		—
Consumer	190		44		72		306		33,600		—
Other
Credit cards	5		—		2		7		1,848		2
Overdrafts	—		—		—		—		538		—
Total	$	6,982	$	1,602	$	6,872	$	15,456	$	2,396,697	$	2


	At December 31, 2019
	Past Due										90 days or more and Accruing
Dollars in thousands	30-59 days		60-89 days		90 days or more		Total		Current
Commercial	$	216	$	—	$	483	$	699	$	219,753	$	—
Commercial real estate - owner occupied
Professional & medical	—		137		1,602		1,739		80,234		—
Retail	118		—		2,434		2,552		98,441		—
Other	—		—		—		—		93,253		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—		128,665		—
Mini-storage	—		—		—		—		50,913		—
Multifamily	809		—		7		816		163,582		—
Retail	71		179		968		1,218		101,771		—
Other	—		—		387		387		181,855		—
Construction and development
Land & land development	208		28		188		424		83,688		—
Construction	—		—		138		138		37,385		—
Residential 1-4 family real estate
Personal residence	3,361		806		937		5,104		255,739		—
Rental - small loan	810		21		940		1,771		99,309		—
Rental - large loan	—		—		—		—		63,986		—
Home equity	760		—		223		983		75,585		—
Mortgage warehouse lines	—		—		—		—		126,237		—
Consumer	190		79		70		339		34,682		—
Other
Credit cards	19		6		42		67		1,386		42
Overdrafts	—		—		—		—		798		—
Total	$	6,562	$	1,256	$	8,419	$	16,237	$	1,897,262	$	42


	December 31,				December 31,
	2020				2019
Dollars in thousands	Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans		Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans
Commercial	$	525	$	—	$	864	$	76
Commercial real estate - owner occupied
Professional & medical	536		—		1,602		—
Retail	12,193		2,258		2,552		2,262
Other	384		—		43		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—
Mini-storage	—		—		57		—
Multifamily	—		—		38		31
Retail	809		657		1,120		527
Other	315		—		388		40
Construction and development
Land & land development	70		—		188		—
Construction	165		—		138		—
Residential 1-4 family real estate
Personal residence	3,424		—		2,485		423
Rental - small loan	1,603		108		1,635		150
Rental - large loan	—		—		—		—
Home equity	236		—		284		—
Mortgage warehouse lines	—		—		—		—
Consumer	73		—		74		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	20,333	$	3,023	$	11,468	$	3,509

Troubled Debt Restructurings. The restructuring of a loan is considered a troubled debt restructuring (“TDR”) if both (i) the borrower is experiencing financial difficulties and (ii) the creditor has granted a concession. Concessions may include interest rate reductions or below market interest rates, principal forgiveness, restructuring amortization schedules, payment deferrals, reductions in collateral and other actions intended to minimize potential losses.

At December 31, 2020, we had TDRs of $24.5 million, of which $20.5 million were current with respect to restructured contractual payments. At December 31, 2019, our TDRs totaled $25.7 million, of which $22.9 million were current with respect to restructured contractual payments. There were no commitments to lend additional funds under these restructurings at either balance sheet date.

The following table presents by class the TDRs that were restructured during the years ended December 31, 2020 and 2019. Generally, the modifications were extensions of term, modifying the payment terms from principal and interest to interest only for an extended period, or reduction in interest rate. TDRs are evaluated individually for allowance for credit loss purposes if the loan balance exceeds $500,000, otherwise, smaller balance TDR loans are included in the pools to determine ACLL.


	2020					2019
Dollars in thousands	Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment		Number of Modifications	Pre-modification Recorded Investment		Post-modification Recorded Investment

Commercial real estate - owner occupied


Other	1	$	361	$	361	1	$	325	$	325
Commercial real estate - non-owner occupied


Multifamily	—	—		—		1	35		35
Retail	—	—		—		2	162		162
Other	—	—		—		1	126		126



Residential 1-4 family real estate
Personal residence	1	48		48		3	151		151
Rental - small loan	1	399		399		4	259		259



Consumer	—	—		—		1	16		16
Total	3	$	808	$	808	13	$	1,074	$	1,074


	2020			2019
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date

Commercial real estate - owner occupied


Other	1	$	361	—	$	—
Commercial real estate - non-owner occupied



Retail	—	—		1	52
Other	—	—		1	126



Residential 1-4 family real estate
Personal residence	1	48		2	122
Rental - small loan	1	399		1	52




Total	3	$	808	5	$	352

Credit Quality Indicators: We categorize loans into risk categories based on relevant information about the ability of borrowers to service their debt such as current financial information, historical payment experience, credit documentation, public information and current economic trends, among other factors. We analyze loans individually by classifying the loans as to credit risk. We internally grade all commercial loans at the time of loan origination. In addition, we perform an annual loan review on all non-homogenous commercial loan relationships with an aggregate exposure of $5.0 million, at which time these loans are re-graded. We use the following definitions for our risk grades:

Substandard: Commercial loans categorized as Substandard are inadequately protected by the borrower’s ability to repay, equity and/or the collateral pledged to secure the loan. These loans have identified weaknesses that could hinder normal repayment or collection of the debt. These loans are characterized by the distinct possibility that we will sustain some loss if the identified weaknesses are not mitigated.

Loss: Loans classified as loss are considered to be non-collectible and of such little value that their continuance as a bankable asset is not warranted. This does not mean that the loan has absolutely no recovery value, but rather it is neither practical nor desirable to defer writing off the loan, even though partial recovery may be obtained in the future.

Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal of loan constitutes a current period origination. Generally, current period renewals of credit are reunderwritten at the point of renewal and considered current period originations for purposes of the table below. As of December 31, 2020, based on the most recent analysis performed, the risk category of loans based on year of origination is as follows:


	December 31, 2020
Dollars in thousands	Risk Rating	2020		2019		2018		2017		2016		Prior		Revolvi- ng		Revolving- Term		Total

Commercial	Pass	$	112,335	$	46,323	$	20,936	$	16,723	$	11,087	$	12,336	$	78,107	$	—	$	297,847
	Special Mention	9		38		1,956		77		201		909		407		—		3,597
	Substandard	1,039		177		215		29		40		56		3,885		—		5,441

Total Commercial		113,383		46,538		23,107		16,829		11,328		13,301		82,399		—		306,885

Commercial Real Estate - Owner Occupied

Professional & medical	Pass	19,454		16,414		2,540		26,578		3,322		28,905		3,079		—		100,292
	Special Mention	1,171		—		—		—		—		5,152		—		—		6,323
	Substandard	79		321		—		—		136		—		—		—		536

Total Professional & Medical		20,704		16,735		2,540		26,578		3,458		34,057		3,079		—		107,151

Retail	Pass	28,351		28,547		5,238		10,288		6,041		31,087		2,199		—		111,751
	Special Mention	—		—		—		432		3		824		—		—		1,259
	Substandard	—		10,524		—		157		—		2,360		400		—		13,441

Total Retail		28,351		39,071		5,238		10,877		6,044		34,271		2,599		—		126,451

Other	Pass	28,712		13,722		17,699		9,845		13,119		32,486		1,496		—		117,079
	Special Mention	—		—		—		—		—		694		—		—		694
	Substandard	—		—		—		—		—		444		41		—		485

Total Other		28,712		13,722		17,699		9,845		13,119		33,624		1,537		—		118,258

Total Commercial Real Estate - Owner Occupied		77,767		69,528		25,477		47,300		22,621		101,952		7,215		—		351,860

Commercial Real Estate - Non-Owner Occupied

Hotels & motels	Pass	3,428		23,821		18,894		9,880		7,389		14,252		3,160		—		80,824
	Special Mention	2,994		37,398		—		—		—		286		—		—		40,678
	Substandard	—		—		—		—		—		—		—		—		—

Total Hotels & Motels		6,422		61,219		18,894		9,880		7,389		14,538		3,160		—		121,502

Mini-storage	Pass	10,159		19,022		15,046		3,986		6,228		4,780		170		—		59,391
	Special Mention	—		—		—		—		—		50		—		—		50
	Substandard	—		—		—		—		—		1,109		—		—		1,109


	December 31, 2020
Dollars in thousands	Risk Rating	2020		2019		2018		2017		2016		Prior		Revolvi- ng		Revolving- Term		Total
Rental - large loan	Pass	16,926		5,484		9,456		5,323		9,133		20,515		2,188		—		69,025
	Special Mention	—		1,430		—		—		—		32		—		—		1,462
	Substandard	—		—		—		—		—		3,698		—		—		3,698

Total Rental - Large Loan		16,926		6,914		9,456		5,323		9,133		24,245		2,188		—		74,185

Home equity	Pass	429		565		347		502		89		2,174		74,974		—		79,080
	Special Mention	—		—		—		40		—		96		1,596		—		1,732
	Substandard	—		—		32		28		—		424		292		—		776

Total Home Equity		429		565		379		570		89		2,694		76,862		—		81,588

Total Residential 1-4 Family Real Estate		87,347		60,711		52,630		40,477		44,540		212,428		83,159		—		581,292

Mortgage warehouse lines	Pass	—		—		—		—		—		—		251,810		—		251,810
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—

Total Mortgage Warehouse Lines		—		—		—		—		—		—		251,810		—		251,810

Consumer	Pass	12,785		9,257		4,239		1,609		1,237		1,516		822		—		31,465
	Special Mention	991		454		214		155		70		49		18		—		1,951
	Substandard	245		127		31		6		51		4		26		—		490

Total Consumer		14,021		9,838		4,484		1,770		1,358		1,569		866		—		33,906

Other

Credit cards	Pass	1,855		—		—		—		—		—		—		—		1,855
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—

Total Credit Cards		1,855		—		—		—		—		—		—		—		1,855

Overdrafts	Pass	538		—		—		—		—		—		—		—		538
	Special Mention	—		—		—		—		—		—		—		—		—
	Substandard	—		—		—		—		—		—		—		—		—

Total Overdrafts		538		—		—		—		—		—		—		—		538

Total Other		2,393		—		—		—		—		—		—		—		2,393

Total		$	548,081	$	404,343	$	217,038	$	164,709	$	142,456	$	484,962	$	450,564	$	—	$	2,412,153

The ACLL is a valuation allowance, estimated at each balance sheet date in accordance with ASC 326, that is deducted from the amortized cost basis of loans to present the net amount expected to be collected. The amount of the ACLL represents our best estimate of current expected credit losses on loans considering available information, from internal and external sources, relevant to assessing collectability over the loans’ contractual terms, adjusted for expected prepayments when appropriate (the “life-of-loan” concept). The contractual term excludes expected extensions, renewals and modifications unless (i) management has a reasonable expectation that a troubled debt restructuring will be executed with an individual borrower or (ii) such

extension or renewal options are not unconditionally cancellable by us and, in such cases, the borrower is likely to meet applicable conditions and likely to request extension or renewal. Relevant available information includes historical credit loss experience, current conditions and reasonable and supportable forecasts. While historical credit loss experience provides the basis for the estimation of expected credit losses, adjustments to historical loss information may be made for differences in current portfolio-specific risk characteristics, environmental conditions or other relevant factors. The ACLL losses is measured on a collective basis for portfolios of loans when similar risk characteristics exist. Loans that do not share risk characteristics are evaluated for expected credit losses on an individual basis and excluded from the collective evaluation. Expected credit losses for collateral dependent loans, including loans where the borrower is experiencing financial difficulty, but foreclosure is not probable, are based on the fair value of the collateral at the reporting date, adjusted for selling costs as appropriate.

Expected credit losses are reflected in the ACLL through a charge to provision for credit losses. When we deem all or a portion of a financial asset to be uncollectible the appropriate amount is written off and the ACLL is reduced by the same amount. The Company applies judgment to determine when a financial asset is deemed uncollectible; however, generally speaking, an asset will be considered uncollectible no later than when all efforts at collection have been exhausted. Subsequent recoveries, if any, are credited to the ACLL when received.

Loan Pools. In calculating the ACLL, most loans are segmented into pools based upon similar characteristics and risk profiles. Common characteristics and risk profiles include the type/purpose of loan, underlying collateral, geographical similarity and historical/expected credit loss patterns. In developing these loan pools for the purposes of modeling expected credit losses, we also analyzed the degree of correlation in how loans within each portfolio respond when subjected to varying economic conditions and scenarios as well as other portfolio stress factors. We have identified the pools of financial assets with similar risk characteristics for measuring expected credit losses as presented in the table of amortized cost of loans held for investment above.

The Company’s methodology for estimating the ACLL considers available relevant information about the collectability of cash flows, including information about past events, current conditions, and reasonable and supportable forecasts. The methodology applies historical loss information, adjusted for asset-specific characteristics, economic conditions at the measurement date, and forecasts about future economic conditions expected to exist through the contractual lives of the financial assets that are reasonable and supportable, to the identified pools of financial assets with similar risk characteristics for which the historical loss experience was observed. Our methodology reverts to historical loss information immediately when it can no longer develop reasonable and supportable forecasts.

Loss-Rate Method. We use a loss-rate (“cohort”) method to estimate expected credit losses for all loan pools. The cohort method identifies and captures the balances of pooled loans with similar risk characteristics, as of a point in time to form a cohort, then tracks the respective losses generated by that cohort of loans over their remaining lives, or until the loans are “exhausted” (reached an acceptable stage at which a significant majority of all losses are expected to have been recognized). This method encompasses loan balances for as long as the loans are outstanding, so while significant history is required to represent the life-of-loan concept, this method does not require as much history due to its inclusion of loan balances in multiple cohort periods.

Qualitative Factors. We qualitatively adjust our loan loss rates for risk factors that are not otherwise considered within our model but are nonetheless relevant in assessing the expected credit losses within our loan pools. These qualitative factor (“Q-Factor”) adjustments may increase or decrease our estimate of expected credit losses by a calculated percentage or amount based upon the estimated level of risk.

One Q-Factor adjustment to our loss rates is consideration of reasonable and supportable forecasts of economic conditions. In arriving at a reasonable and supportable economic forecast, we primarily consider the forecasted unemployment rates for the U.S., West Virginia and Virginia as loss drivers for each segmented loan pool. Secondarily, we consider the following forecasted economic data for one or more of our segmented loan pools depending on the nature of the underlying loan pool: housing price indices (U.S., West Virginia & Virginia), single-family housing starts (West Virginia & Virginia), multi-family housing starts (West Virginia & Virginia), personal income growth (U.S., West Virginia & Virginia), U.S. consumer confidence, rental vacancy rates (U.S.), and U.S. % change in gross domestic product.

recoveries, (ii) changes in the nature and volume of the loan pools and in the terms of the underlying loans, (iii) changes in the experience, ability, and depth of our lending management and staff, (iv) changes in volume and severity of past due financial assets, the volume of non-accrual assets, and the volume and severity of adversely classified or graded assets, (v) changes in the quality of our credit review function, (vi) changes in the value of the underlying collateral for loans that are non-collateral dependent, (vii) the existence, growth, and effect of any concentrations of credit and (viii) other external factors such as the regulatory, legal and technological environments; competition; and events such as natural disasters or health pandemics.

Collateral Dependent Loans. We may determine that an individual loan exhibits unique risk characteristics which differentiate it from other loans within our loan pools. In such cases, the loans are evaluated for expected credit losses on an individual basis and excluded from the collective evaluation. Specific allocations of the allowance for credit losses are determined by analyzing the borrower’s ability to repay amounts owed, collateral deficiencies, the relative risk grade of the loan and economic conditions affecting the borrower’s industry, among other things. A loan is considered to be collateral dependent when, based upon management's assessment, the borrower is experiencing financial difficulty and repayment is expected to be provided substantially through the operation or sale of the collateral. In such cases, expected credit losses are based on the fair value of the collateral at the measurement date, adjusted for estimated selling costs if satisfaction of the loan depends on the sale of the collateral. We reevaluate the fair value of collateral supporting collateral dependent loans on a quarterly basis. The fair value of real estate collateral supporting collateral dependent loans is evaluated by appraisal services using a methodology that is consistent with the Uniform Standards of Professional Appraisal Practice.


	For the Year Ended December 31, 2020
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance Prior to Adoption of ASC 326		Impact of Adoption of ASC 326		Provision for Credit Losses - Loans		Adjustment for PCD Acquired Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	1,221	$	1,064	$	85	$	—	$	(99)	$	33	$	2,304
Commercial real estate - owner occupied
Professional & medical	1,058		(390)		1,290		1		(1,005)		—		954
Retail	820		(272)		2,311		152		—		162		3,173
Other	821		(137)		(104)		1		—		29		610
Commercial real estate - non-owner occupied
Hotels & motels	1,235		(936)		1,836		—		—		—		2,135
Mini-storage	485		(311)		48		115		—		—		337
Multifamily	1,534		8		(155)		122		—		38		1,547
Retail	964		279		(22)		101		(343)		2		981
Other	1,721		(1,394)		700		58		—		19		1,104
Construction and development
Land & land development	600		2,136		1,202		111		(7)		42		4,084
Construction	242		996		3,159		251		—		—		4,648
Residential 1-4 family real estate
Personal residence	1,275		1,282		980		182		(252)		92		3,559
Rental - small loan	532		1,453		657		96		(140)		138		2,736
Rental - large loan	49		2,884		58		16		—		—		3,007
Home equity	138		308		246		—		(24)		45		713
Mortgage warehouse lines	—		—		—		—		—		—		—
Consumer	379		(238)		166		—		(239)		148		216
Other
Credit cards	—		12		35		—		(40)		10		17
Overdrafts	—		182		251		—		(460)		148		121
Total	$	13,074	$	6,926	$	12,743	$	1,206	$	(2,609)	$	906	$	32,246


	December 31, 2020
	Loan Balances						Allowance for Credit Losses - Loans
Dollars in thousands	Loans Individually Evaluated		Loans Collectively Evaluated (1)		Total		Loans Individually Evaluated		Loans Collectively Evaluated		Total
Commercial	$	4,851	$	302,034	$	306,885	$	8	$	2,296	$	2,304
Commercial real estate - owner occupied
Professional & medical	2,171		104,980		107,151		223		731		954
Retail	17,458		108,993		126,451		2,258		915		3,173
Other	—		118,258		118,258		—		610		610
Commercial real estate - non-owner occupied
Hotels & motels	—		121,502		121,502		—		2,135		2,135
Mini-storage	1,109		59,441		60,550		111		226		337
Multifamily	1,187		174,801		175,988		135		1,412		1,547
Retail	3,473		131,932		135,405		—		981		981
Other	5,857		186,263		192,120		129		975		1,104
Construction and development
Land & land development	1,891		105,451		107,342		623		3,461		4,084
Construction	1,352		89,748		91,100		135		4,513		4,648
Residential 1-4 family real estate
Personal residence	—		305,093		305,093		—		3,559		3,559
Rental - small loan	1,300		119,126		120,426		102		2,634		2,736
Rental - large loan	3,288		70,897		74,185		—		3,007		3,007
Home equity	523		81,065		81,588		—		713		713
Consumer	—		33,906		33,906		—		216		216
Other
Credit cards	—		1,855		1,855		—		17		17
Overdrafts	—		538		538		—		121		121
Mortgage warehouse lines	—		251,810		251,810		—		—		—
Total	$	44,460	$	2,367,693	$	2,412,153	$	3,724	$	28,522	$	32,246


	December 31, 2020
Dollars in thousands	Real Estate Secured Loans		Non-Real Estate Secured Loans		Total Loans		Allowance for Credit Losses - Loans
Commercial	$	—	$	4,851	$	4,851	$	8
Commercial real estate - owner occupied
Professional & medical	2,171		—		2,171		223
Retail	17,458		—		17,458		2,258
Other	—		—		—		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—
Mini-storage	1,109		—		1,109		111
Multifamily	1,187		—		1,187		135
Retail	3,473		—		3,473		—
Other	5,857		—		5,857		129
Construction and development
Land & land development	1,891		—		1,891		623
Construction	1,352		—		1,352		135
Residential 1-4 family real estate
Personal residence	—		—		—		—
Rental - small loan	1,300		—		1,300		102
Rental - large loan	3,288		—		3,288		—
Home equity	523		—		523		—
Consumer	—		—		—		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	39,609	$	4,851	$	44,460	$	3,724


	For the Year Ended December 31, 2019
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Charge- offs		Recoveries		Provision		Ending Balance
Commercial	$	1,705	$	(281)	$	17	$	(295)	$	1,146
Commercial real estate
Owner occupied	2,214		(2)		21		467		2,700
Non-owner occupied	5,742		(170)		1		366		5,939
Construction and development
Land & land development	339		(2)		108		155		600
Construction	64		—		—		178		242
Residential real estate
Non-jumbo	2,090		(979)		125		576		1,812
Jumbo	379		—		—		(368)		11
Home equity	167		(24)		19		(24)		138
Mortgage warehouse lines	—		—		—		—		—
Consumer	79		(285)		168		173		135
Other	268		(360)		121		322		351

Total	$	13,047	$	(2,103)	$	580	$	1,550	$	13,074