2021 Annual Report

December 31, 2020 Watch Substandard

(dollars in thousands)

Pass

Total

Commercial . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 289,465 $ 14,516 $ Paycheck Protection Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 138,454 — Construction and Land Development . . . . . . . . . . . . . . . . . . . . . . 170,061 — Real Estate Mortgage: HELOC and 1-4 Family Junior Mortgage. . . . . . . . . . . . . . . . . . . . 29,396 — 1st REM - 1-4 Family. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 41,239 703 LOCs and 2nd REM - Rentals . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20,678 — 1st REM - Rentals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 200,965 — Multifamily . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 626,465 — CRE Owner Occupied . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 74,734 — 870 75,604 CRE Nonowner Occupied . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 667,336 29,576 12,388 709,300 Consumer and Other . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7,676 — 13 7,689 Totals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 2,266,469 $ 44,795 $ 15,164 $ 2,326,428 The following tables present the aging of the recorded investment in past due loans by loan segment as of December 31, 2021 and 2020: 239 $ 304,220 — 138,454 156 170,217 884 30,280 — 41,942 — 20,678 614 201,579 — 626,465

Accruing Interest 30-89 Days

90 Days or

(dollars in thousands)

Current Past Due More Past Due Nonaccrual

Total

December 31, 2021 Commercial . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 360,169 $ Paycheck Protection Program . . . . . . . . . . . . . . . . . . 26,162 Construction and Land Development . . . . . . . . . . . 281,344 Real Estate Mortgage: HELOC and 1-4 Family Junior Mortgage. . . . . . . . . 31,211 1st REM - 1-4 Family. . . . . . . . . . . . . . . . . . . . . . . . . 48,713 LOCs and 2nd REM - Rentals . . . . . . . . . . . . . . . . . . 21,641 1st REM - Rentals. . . . . . . . . . . . . . . . . . . . . . . . . . . . 203,703 Multifamily . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 910,243 CRE Owner Occupied . . . . . . . . . . . . . . . . . . . . . . . . 110,504 CRE Nonowner Occupied . . . . . . . . . . . . . . . . . . . . . 818,569 Consumer and Other . . . . . . . . . . . . . . . . . . . . . . . . . 6,442 Totals. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $ 2,818,701 $

— $

— $

— $ 360,169 — 26,162 130 281,474 — 31,260 — 48,713 — 21,641 — 203,703 — 910,243 592 111,096 — 818,569

— — 49 — — — — — — —

— — — — — — — — — —

—

6,442

49 $

— $ 722 $ 2,819,472

106