LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES | 3. LOANS AND ALLOWANCE FOR LOAN AND LEASE LOSSES The information included below reflects the impact of the CARES Act, as amended by the CAA, and the Joint Guidance. See Note 1 “Summary of Significant Accounting Policies” in the “Notes to the Consolidated Financial Statements” contained in Item 8 “Financial Statements and Supplementary Data” in the Company’s 2021 Form 10-K for information about COVID-19 and related legislative and regulatory developments. The Company’s loans are stated at their face amount, net of deferred fees and costs, and consist of the following at June 30, 2022 and December 31, 2021 (dollars in thousands): June 30, 2022 December 31, 2021 Construction and Land Development $ 988,379 $ 862,236 Commercial Real Estate - Owner Occupied 1,965,702 1,995,409 Commercial Real Estate - Non-Owner Occupied 3,860,819 3,789,377 Multifamily Real Estate 762,502 778,626 Commercial & Industrial (1) 2,595,891 2,542,243 Residential 1-4 Family - Commercial 553,771 607,337 Residential 1-4 Family - Consumer 865,174 816,524 Residential 1-4 Family - Revolving 583,073 560,796 Auto 525,301 461,052 Consumer 180,045 176,992 Other Commercial (2) 774,751 605,251 Total LHFI, net of deferred fees and costs (3) 13,655,408 13,195,843 Allowance for loan and lease losses (104,184) (99,787) Total LHFI, net $ 13,551,224 $ 13,096,056 (1) Commercial & industrial loans include approximately $21.7 million and $145.3 million in loans from the PPP at June 30, 2022 and December 31, 2021, respectively. (2) Other commercial loans include an insignificant amount of loans from the PPP at June 30, 2022 and included approximately $5.1 million in loans from the PPP at December 31, 2021. (3) Total loans include unamortized premiums and discounts, and unamortized deferred fees and costs totaling $44.8 million and $49.3 million as of June 30, 2022 and December 31, 2021, respectively. The following table shows the aging of the Company’s loan portfolio, by class, at June 30, 2022 (dollars in thousands): Greater than 30-59 Days 60-89 Days 90 Days and Current Past Due Past Due still Accruing Nonaccrual Total Loans Construction and Land Development $ 987,152 $ 645 $ — $ 1 $ 581 $ 988,379 Commercial Real Estate - Owner Occupied 1,957,733 1,374 807 792 4,996 1,965,702 Commercial Real Estate - Non-Owner Occupied 3,856,365 511 — 642 3,301 3,860,819 Multifamily Real Estate 762,502 — — — — 762,502 Commercial & Industrial 2,589,714 2,581 546 322 2,728 2,595,891 Residential 1-4 Family - Commercial 549,138 1,944 474 184 2,031 553,771 Residential 1-4 Family - Consumer 849,738 594 1,646 1,112 12,084 865,174 Residential 1-4 Family - Revolving 576,908 1,368 731 997 3,069 583,073 Auto 522,834 1,841 213 134 279 525,301 Consumer 179,394 361 210 79 1 180,045 Other Commercial 774,411 11 — 329 — 774,751 Total LHFI $ 13,605,889 $ 11,230 $ 4,627 $ 4,592 $ 29,070 $ 13,655,408 % of total loans 99.65 % 0.08 % 0.03 % 0.03 % 0.21 % 100.00 % The following table shows the aging of the Company’s loan portfolio, by class, at December 31, 2021 (dollars in thousands): Greater than 30-59 Days 60-89 Days 90 Days and Current Past Due Past Due still Accruing Nonaccrual Total Loans Construction and Land Development $ 857,883 $ 1,357 $ — $ 299 $ 2,697 $ 862,236 Commercial Real Estate - Owner Occupied 1,987,133 1,230 152 1,257 5,637 1,995,409 Commercial Real Estate - Non-Owner Occupied 3,783,211 1,965 127 433 3,641 3,789,377 Multifamily Real Estate 778,429 84 — — 113 778,626 Commercial & Industrial 2,536,100 1,161 1,438 1,897 1,647 2,542,243 Residential 1-4 Family - Commercial 601,946 1,844 272 990 2,285 607,337 Residential 1-4 Family - Consumer 795,821 3,368 2,925 3,013 11,397 816,524 Residential 1-4 Family - Revolving 554,652 1,493 363 882 3,406 560,796 Auto 458,473 1,866 249 241 223 461,052 Consumer 175,943 689 186 120 54 176,992 Other Commercial 605,214 37 — — — 605,251 Total LHFI $ 13,134,805 $ 15,094 $ 5,712 $ 9,132 $ 31,100 $ 13,195,843 % of total loans 99.54 % 0.11 % 0.04 % 0.07 % 0.24 % 100.00 % The following table shows the Company’s amortized cost basis of loans on nonaccrual status and loans past due 90 days and still accruing as of June 30, 2022 (dollars in thousands): June 30, 2022 Nonaccrual Nonaccrual With No ALLL 90 Days Past due and still Accruing Construction and Land Development $ 581 $ — $ 1 Commercial Real Estate - Owner Occupied 4,996 955 792 Commercial Real Estate - Non-Owner Occupied 3,301 — 642 Multifamily Real Estate — — — Commercial & Industrial 2,728 1 322 Residential 1-4 Family - Commercial 2,031 — 184 Residential 1-4 Family - Consumer 12,084 — 1,112 Residential 1-4 Family - Revolving 3,069 — 997 Auto 279 — 134 Consumer 1 — 79 Other Commercial — — 329 Total LHFI $ 29,070 $ 956 $ 4,592 The following table shows the Company’s amortized cost basis of loans on nonaccrual status and loans past due 90 days and still accruing as of December 31, 2021 (dollars in thousands): December 31, 2021 Nonaccrual Nonaccrual With No ALLL 90 Days Past due and still Accruing Construction and Land Development $ 2,697 $ 1,985 $ 299 Commercial Real Estate - Owner Occupied 5,637 970 1,257 Commercial Real Estate - Non-Owner Occupied 3,641 1,089 433 Multifamily Real Estate 113 — — Commercial & Industrial 1,647 1 1,897 Residential 1-4 Family - Commercial 2,285 — 990 Residential 1-4 Family - Consumer 11,397 — 3,013 Residential 1-4 Family - Revolving 3,406 — 882 Auto 223 — 241 Consumer 54 — 120 Total LHFI $ 31,100 $ 4,045 $ 9,132 There was no interest income recognized on nonaccrual loans during the three and six months ended June 30, 2022 and 2021. See Note 1 “Summary of Significant Accounting Policies” in the “Notes to the Consolidated Financial Statements” contained in Item 8 “Financial Statements and Supplementary Data” in the Company’s 2021 Form 10-K for additional information on the Company’s policies for nonaccrual loans. Troubled Debt Restructurings As of June 30, 2022, the Company has TDRs totaling $18.0 million with an estimated $872,000 of allowance for those loans. As of December 31, 2021, the Company had TDRs totaling $18.0 million with an estimated $ 859,000 of allowance for those loans. A TDR occurs when a lender, for economic or legal reasons, grants a concession to the borrower related to the borrower’s financial difficulties, that it would not otherwise consider. All loans that are considered to be TDRs are evaluated for credit losses in accordance with the Company’s ALLL methodology. For the three and six months ended June 30, 2022 and June 30, 2021, the recorded investment in TDRs prior to modifications was not materially impacted by the modifications. The following table provides a summary, by class, of TDRs that continue to accrue interest under the terms of the applicable restructuring agreement, which are considered to be performing, and TDRs that have been placed on nonaccrual status, which are considered to be nonperforming, as of June 30, 2022 and December 31, 2021 (dollars in thousands): June 30, 2022 December 31, 2021 No. of Recorded Outstanding No. of Recorded Outstanding Loans Investment Commitment Loans Investment Commitment Performing Construction and Land Development 3 $ 162 $ — 4 $ 201 $ — Commercial Real Estate - Owner Occupied 2 1,004 — 3 572 — Residential 1-4 Family - Commercial 1 1,334 — — — — Residential 1-4 Family - Consumer 78 7,654 — 75 9,021 — Residential 1-4 Family - Revolving 3 260 5 3 265 4 Consumer 2 14 — 2 15 — Other Commercial 1 234 — 1 239 — Total performing 90 $ 10,662 $ 5 88 $ 10,313 $ 4 Nonperforming Commercial Real Estate - Owner Occupied 1 $ 17 $ — 2 $ 830 $ — Commercial Real Estate - Non-Owner Occupied 3 1,206 — 3 1,357 — Commercial & Industrial 3 634 — 3 729 — Residential 1-4 Family - Commercial 3 377 — 3 388 — Residential 1-4 Family - Consumer 25 4,966 — 24 4,239 — Residential 1-4 Family - Revolving 3 98 — 3 99 — Total nonperforming 38 $ 7,298 $ — 38 $ 7,642 $ — Total performing and nonperforming 128 $ 17,960 $ 5 126 $ 17,955 $ 4 The Company considers a default of a TDR to occur when the borrower is 90 days past due following the restructure or a foreclosure and repossession of the applicable collateral occurs. During the three and six months ended June 30, 2022 and 2021, the Company did not have any material loans that went into default that had been restructured in the twelve-month period prior to the time of default. The following table shows, by class and modification type, TDRs that occurred during the three and six months ended June 30, 2022 and 2021 (dollars in thousands): Three Months Ended June 30, 2022 Six Months Ended June 30, 2022 Recorded Recorded No. of Investment at No. of Investment at Loans Period End Loans Period End Modified to interest only, at a market rate Residential 1-4 Family - Commercial — $ — 1 $ 1,334 Total interest only at market rate of interest — $ — 1 $ 1,334 Term modification, at a market rate Commercial Real Estate - Owner Occupied — $ — 1 $ 766 Total loan term extended at a market rate — $ — 1 $ 766 Term modification, below market rate Residential 1-4 Family - Consumer 6 259 12 1,111 Total loan term extended at a below market rate 6 $ 259 12 $ 1,111 Total 6 $ 259 14 $ 3,211 Three Months Ended June 30, 2021 Six Months Ended June 30, 2021 Recorded Recorded No. of Investment at No. of Investment at Loans Period End Loans Period End Modified to interest only, at a market rate Total interest only at market rate of interest — $ — — $ — Term modification, at a market rate Residential 1-4 Family - Consumer — $ — 2 $ 104 Total loan term extended at a market rate — $ — 2 $ 104 Term modification, below market rate Residential 1-4 Family - Consumer 3 $ 1,382 11 $ 1,824 Consumer — — 1 15 Total loan term extended at a below market rate 3 $ 1,382 12 $ 1,839 Interest rate modification, below market rate Residential 1-4 Family - Commercial — $ — 1 $ 45 Total interest only at below market rate of interest — $ — 1 $ 45 Total 3 $ 1,382 15 $ 1,988 Allowance for Loan and Lease Losses ALLL on the loan portfolio is a material estimate for the Company. The Company estimates its ALLL on its loan portfolio on a quarterly basis. The Company models the ALLL using two primary segments, Commercial and Consumer. Each loan segment is further disaggregated into classes based on similar risk characteristics. The Company has identified the following classes within each loan segment: ● Commercial : Construction and Land Development, Commercial Real Estate – Owner Occupied, Commercial Real Estate – Non-Owner Occupied, Multifamily Real Estate, Commercial & Industrial, Residential 1-4 Family – Commercial, and Other Commercial ● Consumer : Residential 1-4 Family – Consumer, Residential 1-4 Family – Revolving, Auto, and Consumer The following tables show the ALLL activity by loan segment for the three and six months ended June 30, 2022 and 2021 (dollars in thousands): Three Months Ended June 30, 2022 Six Months Ended June 30, 2022 Commercial Consumer Total Commercial Consumer Total Balance at beginning of period $ 79,771 $ 22,820 $ 102,591 $ 77,902 $ 21,885 $ 99,787 Loans charged-off (1,007) (950) (1,957) (1,766) (1,700) (3,466) Recoveries credited to allowance 392 626 1,018 1,118 1,413 2,531 Provision charged to operations (1,743) 4,275 2,532 159 5,173 5,332 Balance at end of period $ 77,413 $ 26,771 $ 104,184 $ 77,413 $ 26,771 $ 104,184 Three Months Ended June 30, 2021 Six Months Ended June 30, 2021 Commercial Consumer Total Commercial Consumer Total Balance at beginning of period $ 106,432 $ 36,479 $ 142,911 $ 117,403 $ 43,137 $ 160,540 Loans charged-off (891) (1,054) (1,945) (2,865) (2,721) (5,586) Recoveries credited to allowance 1,042 834 1,876 2,648 1,697 4,345 Provision charged to operations (16,746) (7,835) (24,581) (27,349) (13,689) (41,038) Balance at end of period $ 89,837 $ 28,424 $ 118,261 $ 89,837 $ 28,424 $ 118,261 Credit Quality Indicators Credit quality indicators are utilized to help estimate the collectability of each loan class within the Commercial and Consumer loan segments. For classes of loans within the Commercial segment, the primary credit quality indicator used for evaluating credit quality and estimating the ALLL is risk rating categories of Pass, Watch, Special Mention, Substandard, and Doubtful. For classes of loans within the Consumer segment, the primary credit quality indicator used for evaluating credit quality and estimating the ALLL is delinquency bands of Current, 30-59, 60-89, 90+, and Nonaccrual. While other credit quality indicators are evaluated and analyzed as part of the Company’s credit risk management activities, these indicators are primarily used in estimating the ALLL. The Company evaluates the credit risk of its loan portfolio on at least a quarterly basis. Commercial Loans The Company uses a risk rating system as the primary credit quality indicator for classes of loans within the Commercial segment. The risk rating system on a scale of 0 through 9 is used to determine risk level as used in the calculation of the ACL. The risk levels, as described below, do not necessarily follow the regulatory definitions of risk levels with the same name. A general description of the characteristics of the risk levels follows: Pass is determined by the following criteria: ● Risk rated 0 loans have little or no risk and are with General Obligation Municipal Borrowers; ● Risk rated 1 loans have little or no risk and are generally secured by cash or cash equivalents; ● Risk rated 2 loans have minimal risk to well qualified borrowers and no significant questions as to safety; ● Risk rated 3 loans are satisfactory loans with strong borrowers and secondary sources of repayment; ● Risk rated 4 loans are satisfactory loans with borrowers not as strong as risk rated 3 loans and may exhibit a greater degree of financial risk based on the type of business supporting the loan. Watch is determined by the following criteria: ● Risk rated 5 loans are watch loans that warrant more than the normal level of supervision and have the possibility of an event occurring that may weaken the borrower’s ability to repay; Special Mention is determined by the following criteria: ● Risk rated 6 loans have increasing potential weaknesses beyond those at which the loan originally was granted and if not addressed could lead to inadequately protecting the Company’s credit position. Substandard is determined by the following criteria: ● Risk rated 7 loans are substandard loans and are inadequately protected by the current sound worth or paying capacity of the obligor or the collateral pledged; these have well defined weaknesses that jeopardize the liquidation of the debt with the distinct possibility the Company will sustain some loss if the deficiencies are not corrected. Doubtful is determined by the following criteria: ● Risk rated 8 loans are doubtful of collection and the possibility of loss is high but pending specific borrower plans for recovery, its classification as a loss is deferred until its more exact status is determined; ● Risk rated 9 loans are loss loans which are considered uncollectable and of such little value that their continuance as bankable assets is not warranted. The table below details the amortized cost of the classes of loans within the Commercial segment by risk level and year of origination as of June 30, 2022 (dollars in thousands): June 30, 2022 Term Loans Amortized Cost Basis by Origination Year 2022 2021 2020 2019 2018 Prior Revolving Loans Total Construction and Land Development Pass $ 156,570 $ 471,758 $ 195,617 $ 36,189 $ 33,898 $ 44,691 $ 21,766 $ 960,489 Watch — 674 — 11,532 395 2,263 — 14,864 Special Mention 525 2,423 280 — — 714 — 3,942 Substandard 1,252 2,841 41 215 1,367 3,368 — 9,084 Total Construction and Land Development $ 158,347 $ 477,696 $ 195,938 $ 47,936 $ 35,660 $ 51,036 $ 21,766 $ 988,379 Commercial Real Estate - Owner Occupied Pass $ 129,426 $ 208,347 $ 272,284 $ 296,721 $ 239,188 $ 691,413 $ 23,338 $ 1,860,717 Watch 1,078 180 2,213 9,010 12,733 43,770 850 69,834 Special Mention 645 — 275 5,862 923 8,717 46 16,468 Substandard — 200 — 2,096 1,629 14,159 599 18,683 Total Commercial Real Estate - Owner Occupied $ 131,149 $ 208,727 $ 274,772 $ 313,689 $ 254,473 $ 758,059 $ 24,833 $ 1,965,702 Commercial Real Estate - Non-Owner Occupied Pass $ 238,369 $ 662,586 $ 396,206 $ 491,364 $ 384,359 $ 1,437,218 $ 46,811 $ 3,656,913 Watch — 2,151 826 31,352 22,785 36,046 11 93,171 Special Mention 545 — 10,541 13,172 20,652 9,326 — 54,236 Substandard — — — 22,979 19,084 14,284 152 56,499 Total Commercial Real Estate - Non-Owner Occupied $ 238,914 $ 664,737 $ 407,573 $ 558,867 $ 446,880 $ 1,496,874 $ 46,974 $ 3,860,819 Commercial & Industrial Pass $ 326,629 $ 600,456 $ 341,948 $ 202,253 $ 98,356 $ 156,743 $ 767,050 $ 2,493,435 Watch 1,279 1,101 16,474 1,679 13,438 3,222 25,714 62,907 Special Mention — 190 1,250 6,748 392 802 4,216 13,598 Substandard — 565 217 4,210 14,958 1,827 4,174 25,951 Total Commercial & Industrial $ 327,908 $ 602,312 $ 359,889 $ 214,890 $ 127,144 $ 162,594 $ 801,154 $ 2,595,891 Multifamily Real Estate Pass $ 49,869 $ 79,460 $ 208,827 $ 75,029 $ 77,680 $ 265,181 $ 2,297 $ 758,343 Watch — — — 355 450 429 — 1,234 Special Mention — — 2,223 613 — 89 — 2,925 Total Multifamily Real Estate $ 49,869 $ 79,460 $ 211,050 $ 75,997 $ 78,130 $ 265,699 $ 2,297 $ 762,502 Residential 1-4 Family - Commercial Pass $ 27,352 $ 103,370 $ 82,187 $ 56,185 $ 39,218 $ 216,212 $ 1,105 $ 525,629 Watch — — 625 870 3,002 5,947 115 10,559 Special Mention — — 1,495 — 4,807 3,629 — 9,931 Substandard — 91 — 2,764 482 4,016 299 7,652 Total Residential 1-4 Family - Commercial $ 27,352 $ 103,461 $ 84,307 $ 59,819 $ 47,509 $ 229,804 $ 1,519 $ 553,771 Other Commercial Pass $ 152,527 $ 218,874 $ 162,699 $ 119,323 $ 3,745 $ 75,548 $ 35,913 $ 768,629 Watch — — — — 558 5,235 — 5,793 Substandard — — — — — 234 95 329 Total Other Commercial $ 152,527 $ 218,874 $ 162,699 $ 119,323 $ 4,303 $ 81,017 $ 36,008 $ 774,751 Total Commercial Pass $ 1,080,742 $ 2,344,851 $ 1,659,768 $ 1,277,064 $ 876,444 $ 2,887,006 $ 898,280 $ 11,024,155 Watch 2,357 4,106 20,138 54,798 53,361 96,912 26,690 258,362 Special Mention 1,715 2,613 16,064 26,395 26,774 23,277 4,262 101,100 Substandard 1,252 3,697 258 32,264 37,520 37,888 5,319 118,198 Total Commercial $ 1,086,066 $ 2,355,267 $ 1,696,228 $ 1,390,521 $ 994,099 $ 3,045,083 $ 934,551 $ 11,501,815 The table below details the amortized cost of the classes of loans within the Commercial segment by risk level and year of origination as of December 31, 2021 (dollars in thousands): December 31, 2021 Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Total Construction and Land Development Pass $ 430,764 $ 218,672 $ 39,937 $ 40,128 $ 11,299 $ 50,908 $ 22,996 $ 814,704 Watch 395 185 12,923 129 349 4,026 — 18,007 Special Mention — — — — — 735 — 735 Substandard 3,541 1 221 19,264 198 5,565 — 28,790 Total Construction and Land Development $ 434,700 $ 218,858 $ 53,081 $ 59,521 $ 11,846 $ 61,234 $ 22,996 $ 862,236 Commercial Real Estate - Owner Occupied Pass $ 222,079 $ 279,165 $ 321,503 $ 263,422 $ 179,994 $ 555,540 $ 19,705 $ 1,841,408 Watch 185 18 7,959 10,875 14,648 57,466 702 91,853 Special Mention — 932 11,826 610 1,052 19,480 507 34,407 Substandard 200 153 7,455 2,538 1,935 14,834 626 27,741 Total Commercial Real Estate - Owner Occupied $ 222,464 $ 280,268 $ 348,743 $ 277,445 $ 197,629 $ 647,320 $ 21,540 $ 1,995,409 Commercial Real Estate - Non-Owner Occupied Pass $ 642,386 $ 421,063 $ 520,035 $ 377,176 $ 374,949 $ 1,102,193 $ 36,568 $ 3,474,370 Watch 2,152 841 35,721 39,356 18,242 101,797 14 198,123 Special Mention — 10,609 25,691 20,119 12,741 4,775 — 73,935 Substandard — — 23,376 11,369 — 7,952 252 42,949 Total Commercial Real Estate - Non-Owner Occupied $ 644,538 $ 432,513 $ 604,823 $ 448,020 $ 405,932 $ 1,216,717 $ 36,834 $ 3,789,377 Commercial & Industrial Pass $ 770,662 $ 450,478 $ 287,926 $ 110,710 $ 38,395 $ 170,857 $ 619,583 $ 2,448,611 Watch 1,233 9,641 2,766 31,635 1,370 4,405 17,220 68,270 Special Mention 206 935 8,477 1,023 564 561 3,249 15,015 Substandard 379 575 3,636 1,965 463 1,639 1,690 10,347 Total Commercial & Industrial $ 772,480 $ 461,629 $ 302,805 $ 145,333 $ 40,792 $ 177,462 $ 641,742 $ 2,542,243 Multifamily Real Estate Pass $ 63,431 $ 187,616 $ 108,402 $ 114,077 $ 66,562 $ 228,013 $ 1,548 $ 769,649 Watch — — 359 459 — 522 — 1,340 Special Mention 44 2,248 624 4,517 — 91 — 7,524 Substandard — — — — — 113 — 113 Total Multifamily Real Estate $ 63,475 $ 189,864 $ 109,385 $ 119,053 $ 66,562 $ 228,739 $ 1,548 $ 778,626 Residential 1-4 Family - Commercial Pass $ 108,259 $ 94,184 $ 65,682 $ 46,267 $ 55,995 $ 196,052 $ 550 $ 566,989 Watch — 2,041 4,887 7,483 2,415 7,573 311 24,710 Special Mention — 96 — 436 391 4,126 — 5,049 Substandard 93 — 3,494 536 1,291 4,876 299 10,589 Total Residential 1-4 Family - Commercial $ 108,352 $ 96,321 $ 74,063 $ 54,722 $ 60,092 $ 212,627 $ 1,160 $ 607,337 Other Commercial Pass $ 226,595 $ 167,497 $ 98,848 $ 5,620 $ 25,723 $ 44,114 $ 30,445 $ 598,842 Watch — — — 581 1,246 4,341 — 6,168 Special Mention — — — — 2 — — 2 Substandard — — — — — 239 — 239 Total Other Commercial $ 226,595 $ 167,497 $ 98,848 $ 6,201 $ 26,971 $ 48,694 $ 30,445 $ 605,251 Total Commercial Pass $ 2,464,176 $ 1,818,675 $ 1,442,333 $ 957,400 $ 752,917 $ 2,347,677 $ 731,395 $ 10,514,573 Watch 3,965 12,726 64,615 90,518 38,270 180,130 18,247 408,471 Special Mention 250 14,820 46,618 26,705 14,750 29,768 3,756 136,667 Substandard 4,213 729 38,182 35,672 3,887 35,218 2,867 120,768 Total Commercial $ 2,472,604 $ 1,846,950 $ 1,591,748 $ 1,110,295 $ 809,824 $ 2,592,793 $ 756,265 $ 11,180,479 Consumer Loans For Consumer loans, the Company evaluates credit quality based on the delinquency status of the loan. The following table details the amortized cost of the classes of loans within the Consumer segment based on their delinquency status and year of origination as of June 30, 2022 (dollars in thousands): June 30, 2022 Term Loans Amortized Cost Basis by Origination Year 2022 2021 2020 2019 2018 Prior Revolving Loans Total Residential 1-4 Family - Consumer Current $ 124,295 $ 246,560 $ 165,049 $ 39,693 $ 24,195 $ 249,933 $ 13 $ 849,738 30-59 Days Past Due — — — 65 152 377 — 594 60-89 Days Past Due — — — 40 225 1,381 — 1,646 90+ Days Past Due — — — 45 — 1,067 — 1,112 Nonaccrual — 436 — 270 854 10,524 — 12,084 Total Residential 1-4 Family - Consumer $ 124,295 $ 246,996 $ 165,049 $ 40,113 $ 25,426 $ 263,282 $ 13 $ 865,174 Residential 1-4 Family - Revolving Current $ 52,236 $ 15,442 $ 6,011 $ 1,762 $ 851 $ 480 $ 500,126 $ 576,908 30-59 Days Past Due — — — — — — 1,368 1,368 60-89 Days Past Due — — — — — — 731 731 90+ Days Past Due — — — — — — 997 997 Nonaccrual — — 60 — 16 — 2,993 3,069 Total Residential 1-4 Family - Revolving $ 52,236 $ 15,442 $ 6,071 $ 1,762 $ 867 $ 480 $ 506,215 $ 583,073 Auto Current $ 146,027 $ 183,137 $ 100,055 $ 57,027 $ 22,705 $ 13,883 $ — $ 522,834 30-59 Days Past Due 189 631 267 339 176 239 — 1,841 60-89 Days Past Due 24 54 55 53 — 27 — 213 90+ Days Past Due 26 10 54 41 — 3 — 134 Nonaccrual — 32 92 93 21 41 — 279 Total Auto $ 146,266 $ 183,864 $ 100,523 $ 57,553 $ 22,902 $ 14,193 $ — $ 525,301 Consumer Current $ 31,089 $ 19,340 $ 13,178 $ 30,036 $ 22,274 $ 23,930 $ 39,547 $ 179,394 30-59 Days Past Due 6 3 48 107 115 56 26 361 60-89 Days Past Due 52 — 13 70 70 5 — 210 90+ Days Past Due — 45 1 1 31 — 1 79 Nonaccrual — — — — — 1 — 1 Total Consumer $ 31,147 $ 19,388 $ 13,240 $ 30,214 $ 22,490 $ 23,992 $ 39,574 $ 180,045 Total Consumer Current $ 353,647 $ 464,479 $ 284,293 $ 128,518 $ 70,025 $ 288,226 $ 539,686 $ 2,128,874 30-59 Days Past Due 195 634 315 511 443 672 1,394 4,164 60-89 Days Past Due 76 54 68 163 295 1,413 731 2,800 90+ Days Past Due 26 55 55 87 31 1,070 998 2,322 Nonaccrual — 468 152 363 891 10,566 2,993 15,433 Total Consumer $ 353,944 $ 465,690 $ 284,883 $ 129,642 $ 71,685 $ 301,947 $ 545,802 $ 2,153,593 The Company did not have any material revolving loans convert to term during the six months ended June 30, 2022. The following table details the amortized cost of the classes of loans within the Consumer segment based on their delinquency status and year of origination as of December 31, 2021 (dollars in thousands): December 31, 2021 Term Loans Amortized Cost Basis by Origination Year 2021 2020 2019 2018 2017 Prior Revolving Loans Total Residential 1-4 Family - Consumer Current $ 248,904 $ 174,459 $ 47,905 $ 33,809 $ 44,179 $ 246,554 $ 11 $ 795,821 30-59 Days Past Due — 157 143 807 460 1,801 — 3,368 60-89 Days Past Due — — — 624 107 2,194 — 2,925 90+ Days Past Due — — 46 20 304 2,643 — 3,013 Nonaccrual 444 — 117 884 1,330 8,622 — 11,397 Total Residential 1-4 Family - Consumer $ 249,348 $ 174,616 $ 48,211 $ 36,144 $ 46,380 $ 261,814 $ 11 $ 816,524 Residential 1-4 Family - Revolving Current $ 16,546 $ 9,511 $ 2,230 $ 1,056 $ — $ 484 $ 524,825 $ 554,652 30-59 Days Past Due — — — — — — 1,493 1,493 60-89 Days Past Due — — — — — — 363 363 90+ Days Past Due — — — — — — 882 882 Nonaccrual — |