Loans | LOANS AND ALLOWANCE FOR CREDIT LOSSES ON LOANS Loans The following table presents the amortized cost of loans held for investment: Dollars in thousands June 30, December 31, 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 Accrued interest and fees receivable on loans totaled $8.2 million and $7.2 million at June 30, 2022 and December 31, 2021, respectively and is included in accrued interest and fees receivable in the accompanying consolidated balance sheets. 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 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 Nonaccrual Nonaccrual 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 At June 30, 2022, we had troubled debt restructurings ("TDRs") of $20.9 million, of which $18.2 million were current with respect to restructured contractual payments. At December 31, 2021, our TDRs totaled $20.9 million, of which $18.7 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 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 For the Three Months Ended Dollars in thousands Number of Pre- Post- Number of Pre- Post- Residential 1-4 family real estate Home equity 1 $ 132 $ 132 — $ — $ — Total 1 $ 132 $ 132 $ — $ — $ — For the Six Months Ended For the Six Months Ended Dollars in thousands Number of Pre- Post- Number of Pre- Post- Residential 1-4 family real estate Personal residence 6 $ 335 $ 335 — $ — $ — Home equity 1 132 132 — — — Total 7 $ 467 $ 467 $ — $ — $ — 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 For the Three Months Ended Dollars in thousands Number Recorded Number Recorded Residential 1-4 family real estate Personal residence 4 $ 312 1 $ 49 Total 4 $ 312 1 $ 49 For the Six Months Ended For the Six Months Ended Dollars in thousands Number Recorded Number Recorded Residential 1-4 family real estate Personal residence 4 $ 312 1 $ 49 Rental - small loan — — 1 399 Total 4 $ 312 2 $ 448 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: Pass: Loans graded as Pass are loans to borrowers of acceptable credit quality and risk. They are higher quality loans that do not fit any of the other categories described below. Special Mention: Commercial loans categorized as Special Mention are potentially weak. The credit risk may be relatively minor yet represent a risk given certain specific circumstances. If the potential weaknesses are not monitored or mitigated, the asset may weaken or inadequately protect our position in the future. 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. Doubtful: Commercial loans categorized as Doubtful have all the weaknesses inherent in those loans classified as Substandard, with the added elements that the full collection of the loan is improbable and the possibility of loss is high. 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 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- 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- 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- 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- 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- 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- 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 - Loans 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 Provision Charge- Recoveries Ending 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 Provision Charge- Recoveries Ending 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 Provision Adjustment Charge- Recoveries Ending 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 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. 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 Non-Real Estate Total Loans Allowance for Credit Losses 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 Non-Real Estate Total Loans Allowance for Credit Losses 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 |