Loans (Tables)

12 Months Ended

Dec. 31, 2021

Loans and Leases Receivable Disclosure [Abstract]

Summary Of Loans, Net Of Unearned Fees

The following table presents the amortized cost of loans held for investment:

Dollars in thousands	2021		2020
Commercial	$	365,301	$	306,885
Commercial real estate - owner occupied
Professional & medical	150,759		107,151
Retail	190,304		126,451
Other	143,645		118,258
Commercial real estate - non-owner occupied
Hotels & motels	128,450		121,502
Mini-storage	59,045		60,550
Multifamily	233,157		175,988
Retail	162,758		135,405
Other	282,621		192,120
Construction and development
Land & land development	100,805		107,342
Construction	146,038		91,100
Residential 1-4 family real estate
Personal residence	262,805		305,093
Rental - small loan	121,989		120,426
Rental - large loan	79,108		74,185
Home equity	72,112		81,588
Mortgage warehouse lines	227,869		251,810
Consumer	31,923		33,906
Other
Credit cards	1,891		1,855
Overdrafts	811		538
Total loans, net of unearned fees	2,761,391		2,412,153
Less allowance for credit losses - loans	32,298		32,246
Loans, net	$	2,729,093	$	2,379,907

Schedule Of Loan Maturities

The following presents loan maturities at December 31, 2021:

	Within		After 1 but		After 5 but		After
Dollars in thousands	1 Year		within 5 Years		within 15 Years		15 Years
Commercial	$	140,478	$	144,002	$	75,250	$	5,571
Commercial real estate - owner occupied
Professional & medical	2,728		55,306		53,762		38,963
Retail	6,802		17,896		123,837		41,769
Other	3,597		15,537		44,704		79,807
Commercial real estate - non-owner occupied
Hotels & motels	7,531		24,698		34,939		61,282
Mini-storage	21		1,244		19,327		38,453
Multifamily	4,384		67,778		56,538		104,457
Retail	6,933		34,230		72,054		49,541
Other	2,766		102,906		126,530		50,419
Construction and development
Land & land development	34,242		32,108		18,318		16,137
Construction	31,665		47,437		32,279		34,657
Residential 1-4 family real estate
Personal residence	2,437		9,146		67,853		183,369
Rental - small loan	7,101		8,163		42,477		64,248
Rental - large loan	4,302		9,828		16,520		48,458
Home equity	141		3,239		13,269		55,463
Mortgage warehouse lines	227,869		—		—		—
Consumer	2,861		22,768		6,100		194
Other
Credit cards	1,891		—		—		—
Overdrafts	811		—		—		—
	$	488,560	$	596,286	$	803,757	$	872,788
Loans due after one year with:
Variable rates			$	1,439,286
Fixed rates			833,545
			$	2,272,831

Financing Receivable, Past Due

The following tables present the contractual aging of the amortized cost basis of past due loans by class.

	At December 31, 2021
	Past Due										90 days or more and Accruing
Dollars in thousands	30-59 days		60-89 days		90 days or more		Total		Current
Commercial	$	736	$	15	$	613	$	1,364	$	363,937	$	—
Commercial real estate - owner occupied
Professional & medical	409		—		—		409		150,350		—
Retail	—		405		144		549		189,755		—
Other	208		—		150		358		143,287		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—		128,450		—
Mini-storage	2		—		—		2		59,043		—
Multifamily	—		—		55		55		233,102		—
Retail	66		—		338		404		162,354		—
Other	—		—		—		—		282,621		—
Construction and development
Land & land development	38		7		962		1,007		99,798		—
Construction	—		—		—		—		146,038		—
Residential 1-4 family real estate
Personal residence	2,283		1,211		1,384		4,878		257,927		—
Rental - small loan	429		247		1,093		1,769		120,220		—
Rental - large loan	—		—		—		—		79,108		—
Home equity	236		80		175		491		71,621		—
Mortgage warehouse lines	—		—		—		—		227,869		—
Consumer	98		101		7		206		31,717		—
Other
Credit cards	12		10		4		26		1,865		4
Overdrafts	—		—		—		—		811		—
Total	$	4,517	$	2,076	$	4,925	$	11,518	$	2,749,873	$	4

	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

Schedule of Financing Receivables, Non Accrual Status

The following tables present the nonaccrual loans included in the net balance of loans.

	December 31,				December 31,
	2021				2020
Dollars in thousands	Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans		Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans
Commercial	$	740	$	96	$	525	$	—
Commercial real estate - owner occupied
Professional & medical	—		—		536		—
Retail	775		—		12,193		2,258
Other	341		—		384		—
Commercial real estate - non-owner occupied
Hotels & motels	3,085		—		—		—
Mini-storage	—		—		—		—
Multifamily	55		—		—		—
Retail	338		—		809		657
Other	9		—		315		—
Construction and development
Land & land development	1,560		—		70		—
Construction	—		—		165		—
Residential 1-4 family real estate
Personal residence	2,504		—		3,424		—
Rental - small loan	3,094		—		1,603		108
Rental - large loan	—		—		—		—
Home equity	174		—		236		—
Mortgage warehouse lines	—		—		—		—
Consumer	17		—		73		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	12,692	$	96	$	20,333	$	3,023

Troubled Debt Restructurings on Financing Receivables

The following table presents by class the TDRs that were restructured during the years ended December 31, 2021 and 2020. 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.

	2021					2020
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
Residential 1-4 family real estate
Personal residence	4	294		294		1	48		48
Rental - small loan	—	—		—		1	399		399
Total	4	$	294	$	294	3	$	808	$	808

Schedule Of Defaults During Stated Period Of Trouble Debt Restructurings

The following tables present defaults during the stated period of TDRs that were restructured during the prior 12 months. For purposes of these tables, a default is considered as either the loan was past due 30 days or more at any time during the period, or the loan was fully or partially charged off during the period.

	2021			2020
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
Residential 1-4 family real estate
Personal residence	1	44		1	48
Rental - small loan	—	—		1	399
Total	1	$	44	3	$	808

Financing Receivable Credit Quality Indicators

As of December 31, 2021 and 2020, based on the most recent analysis performed, the risk category of loans based on year of origination is as follows:

	December 31, 2021
Dollars in thousands	Risk Rating	2021		2020		2019		2018		2017		Prior		Revolvi- ng		Revolving- Term		Total
Commercial	Pass	$	123,890	$	36,339	$	31,116	$	5,549	$	8,831	$	14,061	$	141,003	$	—	$	360,789
	Special Mention	693		279		69		41		60		539		1,984		—		3,665
	Substandard	135		45		110		48		18		7		484		—		847
Total Commercial		124,718		36,663		31,295		5,638		8,909		14,607		143,471		—		365,301

	December 31, 2021
Dollars in thousands	Risk Rating	2021	2020	2019	2018	2017	Prior	Revolvi- ng	Revolving- Term	Total
Commercial Real Estate    - Owner Occupied
Professional & medical	Pass	72,417	11,869	7,046	4,595	22,939	27,905	2,366	—	149,137
	Special Mention	—	1,146	—	—	—	187	—	—	1,333
	Substandard	—	72	—	—	217	—	—	—	289
Total Professional & Medical		72,417	13,087	7,046	4,595	23,156	28,092	2,366	—	150,759
Retail	Pass	78,780	29,749	33,114	8,813	9,318	25,296	2,464	—	187,534
	Special Mention	—	—	—	—	—	671	—	—	671
	Substandard	—	—	1,324	—	549	226	—	—	2,099
Total Retail		78,780	29,749	34,438	8,813	9,867	26,193	2,464	—	190,304
Other	Pass	32,805	30,897	13,216	16,716	7,501	38,796	2,782	—	142,713
	Special Mention	59	—	—	—	—	532	—	—	591
	Substandard	—	—	—	—	—	303	38	—	341
Total Other		32,864	30,897	13,216	16,716	7,501	39,631	2,820	—	143,645
Total Commercial Real Estate -    Owner Occupied		184,061	73,733	54,700	30,124	40,524	93,916	7,650	—	484,708
Commercial Real Estate    - Non-Owner Occupied
Hotels & motels	Pass	1,736	3,313	32,634	15,949	6,953	20,308	7,531	—	88,424
	Special Mention	—	—	36,941	—	—	—	—	—	36,941
	Substandard	—	2,830	—	—	—	255	—	—	3,085
Total Hotels & Motels		1,736	6,143	69,575	15,949	6,953	20,563	7,531	—	128,450
Mini-storage	Pass	13,294	7,641	9,218	14,209	4,506	10,109	21	—	58,998
	Special Mention	—	—	—	—	—	47	—	—	47
Total Mini-storage		13,294	7,641	9,218	14,209	4,506	10,156	21	—	59,045
Multifamily	Pass	55,367	39,105	45,016	23,665	14,629	51,155	3,372	—	232,309
	Special Mention	—	582	—	—	—	43	169	—	794
	Substandard	—	—	—	—	—	54	—	—	54
Total Multifamily		55,367	39,687	45,016	23,665	14,629	51,252	3,541	—	233,157
Retail	Pass	52,533	42,177	20,763	7,653	6,778	24,958	6,586	—	161,448
	Special Mention	—	—	—	—	—	972	—	—	972
	Substandard	—	—	—	—	—	338	—	—	338
Total Retail		52,533	42,177	20,763	7,653	6,778	26,268	6,586	—	162,758
Other	Pass	107,962	82,846	14,211	8,443	11,421	51,587	2,620	—	279,090
	Special Mention	—	—	—	572	—	—	—	—	572
	Substandard	—	—	—	—	—	2,959	—	—	2,959
Total Other		107,962	82,846	14,211	9,015	11,421	54,546	2,620	—	282,621
Total Commercial Real Estate -    Non-Owner Occupied		230,892	178,494	158,783	70,491	44,287	162,785	20,299	—	866,031

	December 31, 2021
Dollars in thousands	Risk Rating	2021	2020	2019	2018	2017	Prior	Revolvi- ng	Revolving- Term	Total
Construction and Development
Land & land development	Pass	26,671	14,050	20,275	5,627	2,927	21,875	6,721	—	98,146
	Special Mention	—	155	117	—	—	591	—	—	863
	Substandard	—	—	—	—	—	1,796	—	—	1,796
Total Land & land development		26,671	14,205	20,392	5,627	2,927	24,262	6,721	—	100,805
Construction	Pass	64,352	64,022	7,438	1,407	—	—	8,320	—	145,539
	Substandard	—	—	—	329	—	170	—	—	499
Total Construction		64,352	64,022	7,438	1,736	—	170	8,320	—	146,038
Total Construction and    Development		91,023	78,227	27,830	7,363	2,927	24,432	15,041	—	246,843
Residential 1-4 Family Real Estate
Personal residence	Pass	39,637	34,962	18,974	18,784	14,597	115,384	—	—	242,338
	Special Mention	—	—	184	62	534	10,377	—	—	11,157
	Substandard	—	—	475	847	456	7,532	—	—	9,310
Total Personal Residence		39,637	34,962	19,633	19,693	15,587	133,293	—	—	262,805
Rental - small loan	Pass	30,342	13,990	14,093	11,524	6,567	33,936	4,630	—	115,082
	Special Mention	229	107	57	250	1	1,579	9	—	2,232
	Substandard	—	132	133	374	513	3,388	135	—	4,675
Total Rental - Small Loan		30,571	14,229	14,283	12,148	7,081	38,903	4,774	—	121,989
Rental - large loan	Pass	34,558	14,069	5,971	5,283	2,790	11,776	1,078	—	75,525
	Special Mention	—	—	—	—	—	29	—	—	29
	Substandard	—	—	—	—	—	3,554	—	—	3,554
Total Rental - Large Loan		34,558	14,069	5,971	5,283	2,790	15,359	1,078	—	79,108
Home equity	Pass	27	115	11	50	78	1,380	68,293	—	69,954
	Special Mention	—	—	—	—	—	94	1,399	—	1,493
	Substandard	—	—	—	—	—	407	258	—	665
Total Home Equity		27	115	11	50	78	1,881	69,950	—	72,112
Total Residential 1-4 Family Real    Estate		104,793	63,375	39,898	37,174	25,536	189,436	75,802	—	536,014
Mortgage warehouse lines	Pass	—	—	—	—	—	—	227,869	—	227,869
Total Mortgage Warehouse Lines		—	—	—	—	—	—	227,869	—	227,869
Consumer	Pass	14,134	6,333	4,444	1,767	540	1,691	902	—	29,811
	Special Mention	904	381	210	66	87	53	11	—	1,712
	Substandard	199	96	40	11	3	22	29	—	400
Total Consumer		15,237	6,810	4,694	1,844	630	1,766	942	—	31,923

	December 31, 2021
Dollars in thousands	Risk Rating	2021		2020		2019		2018		2017		Prior		Revolvi- ng		Revolving- Term		Total
Other
Credit cards	Pass	1,891		—		—		—		—		—		—		—		1,891
Total Credit Cards		1,891		—		—		—		—		—		—		—		1,891
Overdrafts	Pass	811		—		—		—		—		—		—		—		811
Total Overdrafts		811		—		—		—		—		—		—		—		811
Total Other		2,702		—		—		—		—		—		—		—		2,702
Total		$	753,426	$	437,302	$	317,200	$	152,634	$	122,813	$	486,942	$	491,074	$	—	$	2,761,391

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

	December 31, 2020
Dollars in thousands	Risk Rating	2020	2019	2018	2017	2016	Prior	Revolvi- ng	Revolving- Term	Total
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
Total Mini-storage		10,159	19,022	15,046	3,986	6,228	5,939	170	—	60,550
Multifamily	Pass	39,814	27,090	27,198	19,294	10,762	47,751	2,844	—	174,753
	Special Mention	—	—	—	—	—	48	—	—	48
	Substandard	—	1,187	—	—	—	—	—	—	1,187
Total Multifamily		39,814	28,277	27,198	19,294	10,762	47,799	2,844	—	175,988
Retail	Pass	44,359	27,357	11,169	9,361	4,414	30,381	6,502	—	133,543
	Special Mention	—	—	—	—	446	540	—	—	986
	Substandard	—	—	—	152	—	724	—	—	876
Total Retail		44,359	27,357	11,169	9,513	4,860	31,645	6,502	—	135,405
Other	Pass	75,272	20,483	24,663	10,626	26,989	28,293	1,794	—	188,120
	Special Mention	—	—	—	—	—	142	—	—	142
	Doubtful	—	—	576	—	—	3,282	—	—	3,858
Total Other		75,272	20,483	25,239	10,626	26,989	31,717	1,794	—	192,120
Total Commercial Real Estate -    Non-Owner Occupied		176,026	156,358	97,546	53,299	56,228	131,638	14,470	—	685,565
Construction and Development
Land & land development	Pass	27,084	25,468	10,943	4,149	6,370	21,882	9,320	—	105,216
	Special Mention	—	70	12	—	—	644	—	—	726
	Substandard	—	—	6	—	11	1,383	—	—	1,400
Total Land & land development		27,084	25,538	10,961	4,149	6,381	23,909	9,320	—	107,342
Construction	Pass	50,060	34,480	2,833	885	—	—	1,325	—	89,583
	Substandard	—	1,352	—	—	—	165	—	—	1,517
Total Construction		50,060	35,832	2,833	885	—	165	1,325	—	91,100
Total Construction and    Development		77,144	61,370	13,794	5,034	6,381	24,074	10,645	—	198,442
Residential 1-4 Family Real Estate
Personal residence	Pass	51,120	31,415	27,052	23,069	23,759	126,293	—	—	282,708
	Special Mention	—	242	131	267	254	12,020	—	—	12,914
	Substandard	—	46	849	540	126	7,910	—	—	9,471
Total Personal Residence		51,120	31,703	28,032	23,876	24,139	146,223	—	—	305,093

	December 31, 2020
Dollars in thousands	Risk Rating	2020		2019		2018		2017		2016		Prior		Revolvi- ng		Revolving- Term		Total
Rental - small loan	Pass	18,762		20,113		14,512		10,705		10,941		34,643		4,047		—		113,723
	Special Mention	110		253		251		3		192		1,749		62		—		2,620
	Substandard	—		1,163		—		—		46		2,874		—		—		4,083
Total Rental - Small Loan		18,872		21,529		14,763		10,708		11,179		39,266		4,109		—		120,426
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
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
Total Credit Cards		1,855		—		—		—		—		—		—		—		1,855
Overdrafts	Pass	538		—		—		—		—		—		—		—		538
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

Schedule of Related Party Loans Aggregating $60,000 or More

The following presents the activity with respect to related party loans aggregating $60,000 or more to any one related party (other changes represent additions to and changes in director and executive officer status):

Dollars in thousands	2021		2020
Balance, beginning	$	55,092	$	51,292
Additions	2,677		17,641
Amounts collected	(4,557)		(13,992)
Other changes, net	—		151
Balance, ending	$	53,212	$	55,092

Allowance for Credit Losses on Financing Receivables

The following table presents the activity in the ACLL by portfolio segment during 2021 and 2020:

	For the Year Ended December 31, 2021
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Provision for Credit Losses - Loans		Adjustment for PCD Acquired Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	2,304	$	1,112	$	—	$	(222)	$	24	$	3,218
Commercial real estate - owner occupied
Professional & medical	954		71		71		(4)		—		1,092
Retail	3,173		(1,812)		—		—		1		1,362
Other	610		(35)		—		—		—		575
Commercial real estate - non-owner occupied
Hotels & motels	2,135		397		—		—		—		2,532
Mini-storage	337		(204)		—		—		—		133
Multifamily	1,547		265		—		—		9		1,821
Retail	981		93		—		—		—		1,074
Other	1,104		947		—		(233)		2		1,820
Construction and development
Land & land development	4,084		(628)		—		—		12		3,468
Construction	4,648		1,698		—		—		—		6,346
Residential 1-4 family real estate
Personal residence	3,559		(548)		—		(365)		119		2,765
Rental - small loan	2,736		177		20		(189)		90		2,834
Rental - large loan	3,007		(633)		—		—		—		2,374
Home equity	713		(206)		—		(26)		16		497
Mortgage warehouse lines	—		—		—		—		—		—
Consumer	216		(44)		—		(131)		122		163
Other
Credit cards	17		10		—		(16)		6		17
Overdrafts	121		255		—		(321)		152		207
Total	$	32,246	$	915	$	91	$	(1,507)	$	553	$	32,298

	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

Impaired Financing Receivables

The following tables presents, as of December 31, 2021 and 2020 segregated by loan portfolio segment, details of the loan portfolio and the ACLL calculated in accordance with our credit loss accounting methodology for loans described above.

	December 31, 2021
	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	$	177	$	365,124	$	365,301	$	—	$	3,218	$	3,218
Commercial real estate - owner occupied
Professional & medical	2,073		148,686		150,759		199		893		1,092
Retail	5,559		184,745		190,304		—		1,362		1,362
Other	—		143,645		143,645		—		575		575
Commercial real estate - non-owner occupied
Hotels & motels	3,085		125,365		128,450		669		1,863		2,532
Mini-storage	1,058		57,987		59,045		—		133		133
Multifamily	—		233,157		233,157		—		1,821		1,821
Retail	2,693		160,065		162,758		—		1,074		1,074
Other	5,726		276,895		282,621		69		1,751		1,820
Construction and development
Land & land development	2,004		98,801		100,805		723		2,745		3,468
Construction	—		146,038		146,038		—		6,346		6,346
Residential 1-4 family real estate
Personal residence	—		262,805		262,805		—		2,765		2,765
Rental - small loan	1,463		120,526		121,989		436		2,398		2,834
Rental - large loan	3,162		75,946		79,108		—		2,374		2,374
Home equity	523		71,589		72,112		—		497		497
Mortgage warehouse lines	—		227,869		227,869		—		—		—
Consumer	—		31,923		31,923		—		163		163
Other
Credit cards	—		1,891		1,891		—		17		17
Overdrafts	—		811		811		—		207		207
Total	$	27,523	$	2,733,868	$	2,761,391	$	2,096	$	30,202	$	32,298

1) Included in the loans collectively evaluated are $19.8 million in fully guaranteed or cash secured loans, which are excluded from the pools collectively evaluated and carry no allowance.

	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
Mortgage warehouse lines	—		251,810		251,810		—		—		—
Consumer	—		33,906		33,906		—		216		216
Other
Credit cards	—		1,855		1,855		—		17		17
Overdrafts	—		538		538		—		121		121
Total	$	44,460	$	2,367,693	$	2,412,153	$	3,724	$	28,522	$	32,246

1) Included in the loans collectively evaluated are $83.9 million in fully guaranteed or cash secured loans, which are excluded from the pools collectively evaluated and carry no allowance.

Collateral Dependent Financing Receivables And Allowance For Credit Losses on Collateral Dependent Financing Receivables

The following table presents the amortized cost basis of collateral dependent loans by loan pool, which are individually evaluated to determine expected credit losses, and the related ACLL allocated to those loans:

	December 31, 2021
Dollars in thousands	Real Estate Secured Loans		Non-Real Estate Secured Loans		Total Loans		Allowance for Credit Losses - Loans
Commercial	$	—	$	177	$	177	$	—
Commercial real estate - owner occupied
Professional & medical	2,073		—		2,073		199
Retail	5,559		—		5,559		—
Other	—		—		—		—
Commercial real estate - non-owner occupied
Hotels & motels	3,085		—		3,085		669
Mini-storage	1,058		—		1,058		—
Multifamily	—		—		—		—
Retail	2,693		—		2,693		—
Other	5,726		—		5,726		69
Construction and development
Land & land development	2,004		—		2,004		723
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	—		—		—		—
Rental - small loan	1,463		—		1,463		436
Rental - large loan	3,162		—		3,162		—
Home equity	523		—		523		—
Consumer	—		—		—		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	27,346	$	177	$	27,523	$	2,096

	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