Loans (Tables)

6 Months Ended

Jun. 30, 2022

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	June 30, 2022		December 31, 2021
Commercial	$	455,202	$	365,301
Commercial real estate - owner occupied
Professional & medical	147,912		150,759
Retail	193,806		190,304
Other	160,434		143,645
Commercial real estate - non-owner occupied
Hotels & motels	139,371		128,450
Mini-storage	52,378		59,045
Multifamily	286,903		233,157
Retail	194,900		162,758
Other	290,094		282,621
Construction and development
Land & land development	106,840		100,805
Construction	211,955		146,038
Residential 1-4 family real estate
Personal residence	255,223		262,805
Rental - small loan	122,757		121,989
Rental - large loan	79,803		79,108
Home equity	71,136		72,112
Mortgage warehouse lines	171,399		227,869
Consumer	33,816		31,923
Other
Credit cards	1,910		1,891
Overdrafts	1,037		811
Total loans, net of unearned fees	2,976,876		2,761,391
Less allowance for credit losses - loans	35,063		32,298
Loans, net	$	2,941,813	$	2,729,093

Schedule of Contractual Aging of Recorded Investment In Past Due Loans By Class

The following table presents the contractual aging of the amortized cost basis of past due loans by class as of June 30, 2022 and December 31, 2021.

	At June 30, 2022
	Past Due										90 days or more and Accruing
Dollars in thousands	30-59 days		60-89 days		90 days or more		Total		Current
Commercial	$	841	$	223	$	39	$	1,103	$	454,099	$	—
Commercial real estate - owner occupied
Professional & medical	—		—		—		—		147,912		—
Retail	326		—		1,074		1,400		192,406		—
Other	298		132		—		430		160,004		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		—		—		139,371		—
Mini-storage	—		—		—		—		52,378		—
Multifamily	3,348		—		53		3,401		283,502		—
Retail	—		117		259		376		194,524		—
Other	—		—		—		—		290,094		—
Construction and development
Land & land development	602		143		175		920		105,920		—
Construction	76		—		—		76		211,879		—
Residential 1-4 family real estate
Personal residence	1,938		746		2,655		5,339		249,884		—
Rental - small loan	992		397		749		2,138		120,619		—
Rental - large loan	—		—		—		—		79,803		—
Home equity	183		25		58		266		70,870		—
Mortgage warehouse lines	—		—		—		—		171,399		—
Consumer	190		6		32		228		33,588		—
Other
Credit cards	12		2		3		17		1,893		3
Overdrafts	—		—		—		—		1,037		—
Total	$	8,806	$	1,791	$	5,097	$	15,694	$	2,961,182	$	3

	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

Schedule of Financing Receivables, Non Accrual Status

The following table presents the nonaccrual loans included in the net balance of loans at June 30, 2022 and December 31, 2021.

	June 30,				December 31,
	2022				2021
Dollars in thousands	Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans		Nonaccrual		Nonaccrual with No Allowance for Credit Losses - Loans
Commercial	$	345	$	71	$	740	$	96
Commercial real estate - owner occupied
Professional & medical	—		—		—		—
Retail	1,284		669		775		—
Other	335		—		341		—
Commercial real estate - non-owner occupied
Hotels & motels	—		—		3,085		—
Mini-storage	—		—		—		—
Multifamily	52		—		55		—
Retail	704		—		338		—
Other	328		—		9		—
Construction and development
Land & land development	1,053		—		1,560		—
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	3,850		—		2,504		—
Rental - small loan	2,781		—		3,094		—
Rental - large loan	—		—		—		—
Home equity	168		—		174		—
Mortgage warehouse lines	—		—		—		—
Consumer	34		—		17		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	10,934	$	740	$	12,692	$	96

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

The following table presents by class the TDRs that were restructured during the three and six months ended June 30, 2022 and June 30, 2021. 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.

	For the Three Months Ended   June 30, 2022					For the Three Months Ended   June 30, 2021
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
Residential 1-4 family real estate
Home equity	1	$	132	$	132	—		$	—	$	—
Total	1	$	132	$	132	$	—	$	—	$	—

	For the Six Months Ended   June 30, 2022					For the Six Months Ended   June 30, 2021
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
Residential 1-4 family real estate
Personal residence	6	$	335	$	335	—		$	—	$	—
Home equity	1	132		132		—		—		—
Total	7	$	467	$	467	$	—	$	—	$	—

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.

	For the Three Months Ended   June 30, 2022			For the Three Months Ended   June 30, 2021
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Residential 1-4 family real estate
Personal residence	4	$	312	1	$	49
Total	4	$	312	1	$	49

	For the Six Months Ended   June 30, 2022			For the Six Months Ended   June 30, 2021
Dollars in thousands	Number of Defaults	Recorded Investment at Default Date		Number of Defaults	Recorded Investment at Default Date
Residential 1-4 family real estate
Personal residence	4	$	312	1	$	49
Rental - small loan	—	—		1	399
Total	4	$	312	2	$	448

Financing Receivable Credit Quality Indicators

As of June 30, 2022 and December 31, 2021, based on the most recent analysis performed, the risk category of loans based on year of origination is as follows:

	June 30, 2022
Dollars in thousands	Risk Rating	2022		2021		2020		2019		2018		Prior		Revolvi- ng		Revolving- Term		Total
Commercial	Pass	$	88,651	$	105,632	$	30,738	$	23,204	$	4,184	$	14,273	$	184,769	$	—	$	451,451
	Special Mention	274		558		274		63		34		199		1,993		—		3,395
	Substandard	—		101		17		71		34		6		127		—		356
Total Commercial		88,925		106,291		31,029		23,338		4,252		14,478		186,889		—		455,202
Commercial Real Estate - Owner Occupied
Professional & medical	Pass	9,858		71,998		10,615		6,824		4,286		40,111		2,562		—		146,254
	Special Mention	—		—		1,133		—		—		240		—		—		1,373
	Substandard	—		—		72		—		—		213		—		—		285
Total Professional & Medical		9,858		71,998		11,820		6,824		4,286		40,564		2,562		—		147,912
Retail	Pass	16,842		76,371		28,975		30,859		8,428		27,898		2,514		—		191,887
	Special Mention	—		—		—		—		—		635		—		—		635
	Substandard	—		—		—		—		—		1,284		—		—		1,284
Total Retail		16,842		76,371		28,975		30,859		8,428		29,817		2,514		—		193,806
Other	Pass	26,538		32,927		31,259		9,080		15,771		39,422		4,482		—		159,479
	Special Mention	—		57		—		—		—		563		—		—		620
	Substandard	—		—		—		—		—		299		36		—		335
Total Other		26,538		32,984		31,259		9,080		15,771		40,284		4,518		—		160,434
Total Commercial Real Estate - Owner Occupied		53,238		181,353		72,054		46,763		28,485		110,665		9,594		—		502,152
Commercial Real Estate - Non-Owner Occupied
Hotels & motels	Pass	24,495		1,716		3,253		32,705		15,537		21,225		922		—		99,853
	Special Mention	—		—		—		36,541		—		—		—		—		36,541
	Substandard	—		—		2,741		—		—		236		—		—		2,977
Total Hotels & Motels		24,495		1,716		5,994		69,246		15,537		21,461		922		—		139,371
Mini-storage	Pass	2,502		13,380		8,185		3,938		13,363		10,965		—		—		52,333
	Special Mention	—		—		—		—		—		45		—		—		45
	Substandard	—		—		—		—		—		—		—		—		—
Total Mini-storage		2,502		13,380		8,185		3,938		13,363		11,010		—		—		52,378
Multifamily	Pass	43,320		58,193		49,135		52,840		23,335		56,249		3,690		—		286,762
	Special Mention	—		—		88		—		—		—		—		—		88
	Substandard	—		—		—		—		—		53		—		—		53
Total Multifamily		43,320		58,193		49,223		52,840		23,335		56,302		3,690		—		286,903

	June 30, 2022
Dollars in thousands	Risk Rating	2022	2021	2020	2019	2018	Prior	Revolvi- ng	Revolving- Term	Total
Retail	Pass	43,103	53,235	40,464	5,757	7,300	28,392	7,014	—	185,265
	Special Mention	—	—	—	—	52	1,001	—	—	1,053
	Substandard	—	—	—	7,878	—	704	—	—	8,582
Total Retail		43,103	53,235	40,464	13,635	7,352	30,097	7,014	—	194,900
Other	Pass	40,942	106,945	62,424	12,523	6,713	55,428	1,673	—	286,648
	Special Mention	—	—	—	—	568	—	—	—	568
	Substandard	—	—	—	—	—	2,878	—	—	2,878
Total Other		40,942	106,945	62,424	12,523	7,281	58,306	1,673	—	290,094
Total Commercial Real Estate - Non-Owner Occupied		154,362	233,469	166,290	152,182	66,868	177,176	13,299	—	963,646
Construction and Development
Land & land development	Pass	21,903	23,421	10,976	17,279	5,271	21,560	4,033	—	104,443
	Special Mention	—	—	153	113	—	513	—	—	779
	Substandard	—	—	—	—	—	1,618	—	—	1,618
Total Land & land development		21,903	23,421	11,129	17,392	5,271	23,691	4,033	—	106,840
Construction	Pass	46,548	95,049	62,449	317	1,381	—	5,713	—	211,457
	Special Mention	—	—	—	—	—	—	—	—	—
	Substandard	—	—	—	—	327	171	—	—	498
Total Construction		46,548	95,049	62,449	317	1,708	171	5,713	—	211,955
Total Construction and Development		68,451	118,470	73,578	17,709	6,979	23,862	9,746	—	318,795
Residential 1-4 Family Real Estate
Personal residence	Pass	17,902	37,949	30,668	16,685	17,592	114,968	—	—	235,764
	Special Mention	—	—	—	182	62	9,392	—	—	9,636
	Substandard	—	—	—	752	827	8,244	—	—	9,823
Total Personal Residence		17,902	37,949	30,668	17,619	18,481	132,604	—	—	255,223
Rental - small loan	Pass	12,814	29,049	13,064	12,270	9,262	34,899	5,527	—	116,885
	Special Mention	—	227	105	—	—	1,145	—	—	1,477
	Substandard	—	—	—	322	436	3,467	170	—	4,395
Total Rental - Small Loan		12,814	29,276	13,169	12,592	9,698	39,511	5,697	—	122,757
Rental - large loan	Pass	10,318	33,947	12,192	3,668	4,215	9,842	2,119	—	76,301
	Special Mention	—	—	—	—	—	28	—	—	28
	Substandard	—	—	—	—	—	3,474	—	—	3,474
Total Rental - Large Loan		10,318	33,947	12,192	3,668	4,215	13,344	2,119	—	79,803
Home equity	Pass	—	117	100	30	—	1,282	67,541	—	69,070
	Special Mention	—	—	—	—	—	91	1,385	—	1,476
	Substandard	—	—	—	—	27	307	256	—	590
Total Home Equity		—	117	100	30	27	1,680	69,182	—	71,136
Total Residential 1-4 Family Real Estate		41,034	101,289	56,129	33,909	32,421	187,139	76,998	—	528,919

	June 30, 2022
Dollars in thousands	Risk Rating	2022		2021		2020		2019		2018		Prior		Revolvi- ng		Revolving- Term		Total
Mortgage warehouse lines	Pass	—		—		—		—		—		—		171,399		—		171,399
Total Mortgage Warehouse Lines		—		—		—		—		—		—		171,399		—		171,399
Consumer	Pass	9,858		10,635		4,302		2,900		1,092		1,563		1,058		—		31,408
	Special Mention	799		560		310		138		26		119		11		—		1,963
	Substandard	211		130		53		15		7		1		28		—		445
Total Consumer		10,868		11,325		4,665		3,053		1,125		1,683		1,097		—		33,816
Other
Credit cards	Pass	1,910		—		—		—		—		—		—		—		1,910
Total Credit Cards		1,910		—		—		—		—		—		—		—		1,910
Overdrafts	Pass	1,037		—		—		—		—		—		—		—		1,037
Total Overdrafts		1,037		—		—		—		—		—		—		—		1,037
Total Other		2,947		—		—		—		—		—		—		—		2,947
Total		$	419,825	$	752,197	$	403,745	$	276,954	$	140,130	$	515,003	$	469,022	$	—	$	2,976,876

	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
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

	December 31, 2021
Dollars in thousands	Risk Rating	2021	2020	2019	2018	2017	Prior	Revolvi- ng	Revolving- Term	Total
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
	Substandard	—	—	—	—	—	—	—	—	—
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
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
	Special Mention	—	—	—	—	—	—	—	—	—
	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

	December 31, 2021
Dollars in thousands	Risk Rating	2021		2020		2019		2018		2017		Prior		Revolvi- ng		Revolving- Term		Total
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
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

Allowance for Credit Losses on Financing Receivables

The following tables presents the activity in the ACLL by portfolio segment during the three and six months ended June 30, 2022 and the twelve months ended December 31, 2021:

	For the Three Months Ended June 30, 2022
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Provision for Credit Losses - Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	4,011	$	467	$	—	$	67	$	4,545
Commercial real estate - owner occupied
Professional & medical	1,151		29		—		—		1,180
Retail	1,334		263		—		—		1,597
Other	395		62		—		—		457
Commercial real estate - non-owner occupied
Hotels & motels	1,200		(41)		—		—		1,159
Mini-storage	120		(23)		—		—		97
Multifamily	2,058		271		—		1		2,330
Retail	1,550		338		—		3		1,891
Other	1,958		142		—		3		2,103
Construction and development
Land & land development	3,456		213		(71)		2		3,600
Construction	7,378		830		—		—		8,208
Residential 1-4 family real estate
Personal residence	2,696		(6)		(31)		10		2,669
Rental - small loan	2,290		(90)		(110)		7		2,097
Rental - large loan	2,193		(12)		—		—		2,181
Home equity	442		(49)		—		6		399
Mortgage warehouse lines	—		—		—		—		—
Consumer	147		101		(19)		25		254
Other
Credit cards	18		17		(18)		—		17
Overdrafts	226		88		(58)		23		279
Total	$	32,623	$	2,600	$	(307)	$	147	$	35,063

	For the Six Months Ended June 30, 2022
	Allowance for Credit Losses - Loans
Dollars in thousands	Beginning Balance		Provision for Credit Losses - Loans		Charge- offs		Recoveries		Ending Balance
Commercial	$	3,218	$	1,459	$	(202)	$	70	$	4,545
Commercial real estate - owner occupied
Professional & medical	1,092		88		—		—		1,180
Retail	1,362		234		—		1		1,597
Other	575		(118)		—		—		457
Commercial real estate - non-owner occupied
Hotels & motels	2,532		(1,373)		—		—		1,159
Mini-storage	133		(36)		—		—		97
Multifamily	1,821		506		—		3		2,330
Retail	1,074		814		—		3		1,891
Other	1,820		277		—		6		2,103
Construction and development
Land & land development	3,468		198		(71)		5		3,600
Construction	6,346		1,862		—		—		8,208
Residential 1-4 family real estate
Personal residence	2,765		(42)		(84)		30		2,669
Rental - small loan	2,834		(559)		(193)		15		2,097
Rental - large loan	2,374		(193)		—		—		2,181
Home equity	497		(100)		(8)		10		399
Mortgage warehouse lines	—		—		—		—		—
Consumer	163		116		(74)		49		254
Other
Credit cards	17		16		(18)		2		17
Overdrafts	207		284		(274)		62		279
Total	$	32,298	$	3,433	$	(924)	$	256	$	35,063

	For the Twelve Months 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

Impaired Financing Receivables

The following tables presents, as of June 30, 2022 and December 31, 2021 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.

	June 30, 2022
	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	$	133	$	455,069	$	455,202	$	—	$	4,545	$	4,545
Commercial real estate - owner occupied
Professional & medical	2,024		145,888		147,912		228		952		1,180
Retail	5,281		188,525		193,806		—		1,597		1,597
Other	—		160,434		160,434		—		457		457
Commercial real estate - non-owner occupied
Hotels & motels	2,978		136,393		139,371		—		1,159		1,159
Mini-storage	—		52,378		52,378		—		97		97
Multifamily	—		286,903		286,903		—		2,330		2,330
Retail	10,053		184,847		194,900		256		1,635		1,891
Other	5,593		284,501		290,094		302		1,801		2,103
Construction and development
Land & land development	1,449		105,391		106,840		529		3,071		3,600
Construction	—		211,955		211,955		—		8,208		8,208
Residential 1-4 family real estate
Personal residence	—		255,223		255,223		—		2,669		2,669
Rental - small loan	1,428		121,329		122,757		401		1,696		2,097
Rental - large loan	3,093		76,710		79,803		—		2,181		2,181
Home equity	471		70,665		71,136		—		399		399
Mortgage warehouse lines	—		171,399		171,399		—		—		—
Consumer	—		33,816		33,816		—		254		254
Other
Credit cards	—		1,910		1,910		—		17		17
Overdrafts	—		1,037		1,037		—		279		279
Total	$	32,503	$	2,944,373	$	2,976,876	$	1,716	$	33,347	$	35,063

(1) Included in the loans collectively evaluated are $10.9 million in fully guaranteed or cash secured loans, which are excluded from the pools collectively evaluated and carry no allowance.

	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.

Collateral Dependent Financing Receivables And Allowance For Credit Losses on Collateral Dependent Financing Receivables [Table Text Block]

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

	June 30, 2022
Dollars in thousands	Real Estate Secured Loans		Non-Real Estate Secured Loans		Total Loans		Allowance for Credit Losses - Loans
Commercial	$	—	$	133	$	133	$	—
Commercial real estate - owner occupied
Professional & medical	2,024		—		2,024		228
Retail	5,281		—		5,281		—
Other	—		—		—		—
Commercial real estate - non-owner occupied
Hotels & motels	2,978		—		2,978		—
Mini-storage	—		—		—		—
Multifamily	—		—		—		—
Retail	10,053		—		10,053		256
Other	5,593		—		5,593		302
Construction and development
Land & land development	1,449		—		1,449		529
Construction	—		—		—		—
Residential 1-4 family real estate
Personal residence	—		—		—		—
Rental - small loan	1,428		—		1,428		401
Rental - large loan	3,093		—		3,093		—
Home equity	471		—		471		—
Consumer	—		—		—		—
Other
Credit cards	—		—		—		—
Overdrafts	—		—		—		—
Total	$	32,370	$	133	$	32,503	$	1,716

	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