22 He that believes, says Christ, is not judged. And is there any need to judge a believer? Judgment arises out of ambiguity, and where ambiguity ceases, there is no call for trial and judgment. Hence not even unbelievers need be judged, because there is no doubt about their being unbelievers; but after exempting believers and unbelievers alike from judgment, the Lord added a case for judgment and human agents upon whom it must be exercised. For some there are who stand midway between the godly and the ungodly, having affinities to both, but strictly belonging to neither class, because they have come to be what they are by a combination of the two. They may not be assigned to the ranks of belief, because there is in them a certain infusion of unbelief; they may not be ranged with unbelief, because they are not without a certain portion of belief. For many are kept within the pale of the church by the fear of God; yet they are tempted all the while to worldly faults by the allurements of the world. They pray, because they are afraid; they sin, because it is their will. The fair hope of future life makes them call themselves Christians; the allurements of present pleasure make them act like heathen. They do not abide in ungodliness, because they hold the name of God in honour; they are not godly because they follow after things contrary to godliness. And they cannot help loving those things best which can never enable them to be what they call themselves, because their desire to do such works is stronger than their desire to be true to their name. And this is why the Lord, after saying that believers would not be judged and that unbelievers had been judged already, added that This is the judgment, that the light has come into the world, and men loved the darkness rather than the light.
These, then, are they whom the judgment awaits which unbelievers have already had passed upon them and believers do not need: because they have loved darkness more than light; not that they did not love the light too, but because their love of darkness is the more active. For when two loves are matched in rivalry, one always wins the preference; and their judgment arises from the fact that, though they loved Christ, they yet loved darkness more. These then will be judged; they are neither exempted from judgment like the godly, nor have they already been judged like the ungodly; but judgment awaits them for the love which they have deliberately preferred.
Source: Homilies on the Psalms (New Advent)