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Allowance for Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2020
Receivables [Abstract]  
Financing Receivables by Evaluation Method
The balances of loans as of December 31, 2020 by portfolio classification and evaluation method are summarized as follows:
(Dollars in thousands)Loans individually evaluated for impairmentLoans collectively evaluated for impairmentGross Loans
Commercial real estate$35,915 $1,442,320 $1,478,235 
Commercial and industrial8,409 427,251 435,660 
Commercial construction2,999 370,310 373,309 
SBA paycheck protection program— 453,084 453,084 
Residential mortgages596 252,375 252,971 
Home equity381 84,625 85,006 
Consumer18 8,963 8,981 
Total gross loans$48,318 $3,038,928 $3,087,246 

The balances of loans as of December 31, 2019 by portfolio classification and evaluation method are summarized as follows:
(Dollars in thousands)Loans individually evaluated for impairmentLoans collectively evaluated for impairmentGross Loans
Commercial real estate$17,515 $1,376,664 $1,394,179 
Commercial and industrial9,332 491,895 501,227 
Commercial construction3,347 314,130 317,477 
Residential mortgages1,229 246,144 247,373 
Home equity411 97,841 98,252 
Consumer44 10,010 10,054 
Total gross loans$31,878 $2,536,684 $2,568,562 
Financing Receivable Credit Quality Indicators
The following tables present the Company's credit risk profile for each portfolio classification by internally assigned adverse risk rating category as of the periods indicated:
December 31, 2020
(Dollars in thousands)Adversely ClassifiedNot Adversely ClassifiedGross Loans
SubstandardDoubtfulLoss
Commercial real estate$40,088 $197 $— $1,437,950 $1,478,235 
Commercial and industrial7,901 2,293 — 425,466 435,660 
Commercial construction3,501 — — 369,808 373,309 
SBA paycheck protection program— — — 453,084 453,084 
Residential mortgages474 — — 252,497 252,971 
Home equity381 — — 84,625 85,006 
Consumer41 — — 8,940 8,981 
Total gross loans$52,386 $2,490 $— $3,032,370 $3,087,246 

December 31, 2019
(Dollars in thousands)Adversely ClassifiedNot Adversely ClassifiedGross Loans
SubstandardDoubtfulLoss
Commercial real estate$16,664 $— $— $1,377,515 $1,394,179 
Commercial and industrial10,900 2,370 — 487,957 501,227 
Commercial construction4,836 — — 312,641 317,477 
Residential mortgages1,825 — — 245,548 247,373 
Home equity455 — — 97,797 98,252 
Consumer69 3 — 9,982 10,054 
Total gross loans$34,749 $2,373 $— $2,531,440 $2,568,562 
Past Due Financing Receivables
The following tables present an age analysis of past due loans by portfolio classification as of the dates indicated:
Balance at December 31, 2020
(Dollars in thousands)
Past Due 30-59 Days
Past Due 60-89 Days 		Past Due 90 Days or MoreTotal Past Due LoansCurrent LoansGross LoansNon-accrual Loans
Commercial real estate$6,105 $499 $5,592 $12,196 $1,466,039 $1,478,235 $29,680 
Commercial and industrial417 13 607 1,037 434,623 435,660 4,574 
Commercial construction13,466 — 1,351 14,817 358,492 373,309 2,999 
SBA paycheck protection program— — — — 453,084 453,084 — 
Residential mortgages890 — 290 1,180 251,791 252,971 414 
Home equity— — 255 255 84,751 85,006 381 
Consumer2 1 — 3 8,978 8,981 2 
Total loans$20,880 $513 $8,095 $29,488 $3,057,758 $3,087,246 $38,050 
Balance at December 31, 2019
(Dollars in thousands)Past Due
30-59 Days 		Past Due
60-89 Days		Past Due 90 Days or MoreTotal Past Due LoansCurrent LoansGross LoansNon-accrual Loans
Commercial real estate$1,469 $3,914 $4,158 $9,541 $1,384,638 $1,394,179 $8,280 
Commercial and industrial576 1,034 265 1,875 499,352 501,227 3,285 
Commercial construction576 3,325 1,735 5,636 311,841 317,477 1,735 
Residential mortgages700 283 623 1,606 245,767 247,373 411 
Home equity 645 — 169 814 97,438 98,252 1,040 
Consumer12 — 6 18 10,036 10,054 20 
Total gross loans$3,978 $8,556 $6,956 $19,490 $2,549,072 $2,568,562 $14,771 
Schedule of Interest Lost on Nonaccrual Loans
The reduction in interest income for the years ended December 31, associated with non-accruing loans is summarized as follows:
(Dollars in thousands)202020192018
Income that would have been recognized if non-accrual loans had been current$1,946 $1,893 $2,106 
Less income recognized472 244 833 
Reduction in interest income$1,474 $1,649 $1,273 
Impaired Financing Receivables
The following tables set forth the recorded investment in impaired loans and the related specific allowance allocated by portfolio classification as of the dates indicated:
Balance at December 31, 2020
(Dollars in thousands)Unpaid contractual principal balanceTotal recorded investment in impaired loansRecorded investment with no allowanceRecorded investment with allowanceRelated specific allowance
Commercial real estate$37,184 $35,915 $14,728 $21,187 $3,454 
Commercial and industrial10,628 8,409 4,696 3,713 2,713 
Commercial construction3,668 2,999 2,999 — — 
SBA paycheck protection program— — — — — 
Residential mortgages699 596 596 — — 
Home equity539 381 381 — — 
Consumer18 18 — 18 18 
Total$52,736 $48,318 $23,400 $24,918 $6,185 
Balance at December 31, 2019
(Dollars in thousands)Unpaid contractual principal balanceTotal recorded investment in impaired loansRecorded investment with no allowanceRecorded investment with allowanceRelated specific allowance
Commercial real estate$18,537 $17,515 $17,129 $386 $31 
Commercial and industrial11,455 9,332 7,405 1,927 974 
Commercial construction3,359 3,347 3,347 — — 
Residential mortgages1,331 1,229 1,229 — — 
Home equity607 411 411 — — 
Consumer44 44 — 44 44 
Total$35,333 $31,878 $29,521 $2,357 $1,049 

The following table presents the average recorded investment in impaired loans by portfolio classification and the related interest recognized during the year ends indicated:
December 31, 2020December 31, 2019December 31, 2018
(Dollars in thousands)Average recorded investmentInterest income (loss) recognizedAverage recorded investmentInterest income recognizedAverage recorded investmentInterest income recognized
Commercial real estate$19,606 $138 $17,033 $509 $13,971 $385 
Commercial and industrial8,639 168 11,135 385 11,801 373 
Commercial construction5,991 22 2,158 81 1,691 93 
SBA paycheck protection program— — — — — — 
Residential mortgages854 8 1,024 18 644 — 
Home equity410 (1)447 — 498 — 
Consumer36 2 28 — 56 — 
Total$35,536 $337 $31,825 $993 $28,661 $851 
Troubled Debt Restructurings on Financing Receivables
Loans modified as TDRs during the years indicated, by portfolio classification, are detailed below:
December 31, 2020December 31, 2019
(Dollars in thousands)Number of restructuringsPre-modification outstanding recorded investmentPost-modification outstanding recorded investmentNumber of restructuringsPre-modification outstanding recorded investmentPost-modification outstanding recorded investment
Commercial real estate3 $1,858 $1,838 3 $2,047 $1,620 
Commercial and industrial5 976 344 11 505 319 
Commercial construction6 4,754 2,765 — — — 
SBA paycheck protection program— — — — — — 
Residential mortgages— — — 1 315 311 
Home equity1 167 167 — — — 
Consumer1 1 — 3 34 31 
Total16 $7,756 $5,114 18 $2,901 $2,281 
Payment defaults by portfolio classification, during the years indicated, on loans modified as TDRs within the preceding twelve months are detailed below:
December 31, 2020December 31, 2019
(Dollars in thousands)Number of TDRs that defaultedPost-modification outstanding recorded investmentNumber of TDRs that defaultedPost-modification outstanding recorded investment
Commercial real estate3 $1,838 1 $1,400 
Commercial and industrial2 172 3 79 
Commercial construction4 1,798 — — 
Residential mortgages— — 1 311 
Home equity1 168 — — 
Consumer— — 1 4 
Total10 $3,976 6 $1,794 
The following table sets forth the post modification balances of TDRs listed by type of modification for TDRs that occurred during the periods indicated:
December 31, 2020December 31, 2019
(Dollars in thousands)Number of
restructurings		AmountNumber of
restructurings		Amount
Extended maturity date 2 $150 — $— 
Temporary payment reduction and payment re-amortization of remaining principal over extended term10 3,316 10 112 
Temporary interest-only payment plan— — 4400 
Forbearance of post default rights4 1,648 
Other payment concessions— — 4 1,769 
Total16 $5,114 18 $2,281 
Amount of specific reserves included in the allowance for loan losses associated with TDRs listed above$386 $320 
Allowance for Credit Losses on Financing Receivables
Changes in the allowance for loan losses for the years ended December 31, 2020, 2019 and 2018 are summarized as follows:
(Dollars in thousands)202020192018
Balance at beginning of year$33,614 $33,849 $32,915 
Provision12,499 1,180 2,250 
Recoveries346 778 431 
Less: Charge-offs1,894 2,193 1,747 
Balance at end of year$44,565 $33,614 $33,849 
Changes in the allowance for loan losses by portfolio classification for the year ended December 31, 2020 are presented below:
(Dollars in thousands)Commercial Real EstateCommercial and IndustrialCommercial ConstructionResidential MortgageHome EquityConsumerTotal
Beginning Balance$18,338 $9,129 $4,149 $1,195 $536 $267 $33,614 
Provision8,417 683 3,280 335 (114)(102)12,499 
Recoveries— 265 — — 45 36 346 
Less: Charge-offs— 561 1,300 — — 33 1,894 
Ending Balance$26,755 $9,516 $6,129 $1,530 $467 $168 $44,565 
Ending allowance balance:
Allocated to loans individually evaluated for impairment$3,454 $2,713 $— $— $— $18 $6,185 
Allocated to loans collectively evaluated for impairment$23,301 $6,803 $6,129 $1,530 $467 $150 $38,380 

Changes in the allowance for loan losses by portfolio classification for the year ended December 31, 2019 are presented below:
(Dollars in thousands)Commercial Real EstateCmml and IndustrialCommercial ConstructionResidential MortgageHome EquityConsumerTotal
Beginning Balance$18,014 $10,493 $3,307 $1,160 $629 $246 $33,849 
Provision324 (29)842 35 (102)110 1,180 
Recoveries— 734 — — 9 35 778 
Less: Charge-offs— 2,069 — — — 124 2,193 
Ending Balance$18,338 $9,129 $4,149 $1,195 $536 $267 $33,614 
Ending allowance balance:
Allocated to loans individually evaluated for impairment$31 $974 $— $— $— $44 $1,049 
Allocated to loans collectively evaluated for impairment$18,307 $8,155 $4,149 $1,195 $536 $223 $32,565