2021 Annual Report

Paycheck Construction

CRE Owner

CRE

Protection

and Land

1-4 Family

Nonowner Consumer

(dollars in thousands)

Commercial Program Development Mortgage Multifamily Occupied Occupied and Other

Total

Loans at December 31, 2021 Individually Evaluated for Impairment . . . . . . . . . . . . . . . $ 14,512 $ — $ 130 $ 1,390 $ — $ 2,421 $ 4,188 $ — $ 22,641 Collectively Evaluated for Impairment . . . . . . . . . . . . . . . 345,657 26,162 281,344 303,927 910,243 108,675 814,381 6,442 2,796,831 Totals. . . . . . . . . . . . . . . . . . . . . $ 360,169 $ 26,162 $ 281,474 $ 305,317 $ 910,243 $ 111,096 $ 818,569 $ 6,442 $ 2,819,472 Loans at December 31, 2020 Individually Evaluated for Impairment . . . . . . . . . . . . . . . $ 239 $ — $ 156 $ 1,498 $ — $ 870 $ 12,388 $ 13 $ 15,164 Collectively Evaluated for Impairment . . . . . . . . . . . . . . . 303,981 138,454 170,061 292,981 626,465 74,734 696,912 7,676 2,311,264 Totals. . . . . . . . . . . . . . . . . . . . . $ 304,220 $ 138,454 $ 170,217 $ 294,479 $ 626,465 $ 75,604 $ 709,300 $ 7,689 $ 2,326,428 The following table presents information regarding total carrying amounts and total unpaid principal balances of impaired loans by loan segment as of December 31, 2021 and December 31, 2020:

December 31, 2021

December 31, 2020

Recorded Principal

Related Recorded Principal

Related

(dollars in thousands)

Investment Balance Allowance Investment Balance Allowance

Loans With No Related Allowance for Loan Losses: Commercial . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 4,545 $ 4,545 $

— $ 122 $ 122 $

— — — — — — —

Construction and Land Development . . . . . . . . . . Real Estate Mortgage: HELOC and 1-4 Family Junior Mortgage. . . . . . . . 1st REM - Rentals. . . . . . . . . . . . . . . . . . . . . . . . . . .

130

737

—

156

763

884 884

933 933

— — —

614

614

457

457

CRE Owner Occupied . . . . . . . . . . . . . . . . . . . . . . . 2,421 2,466 CRE Nonowner Occupied . . . . . . . . . . . . . . . . . . . . 4,188 4,188 Totals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12,674 13,326 Loans With An Allowance for Loan Losses: Commercial . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9,967 9,967

870 870

— 12,388 12,388 — 15,034 15,641

607

117

120

37 13

Consumer and Other . . . . . . . . . . . . . . . . . . . . . . . .

—

—

13

13

—

Totals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9,967 9,967 607 50 Grand Totals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 22,641 $ 23,293 $ 607 $ 15,164 $ 15,774 $ 50 130 133

104