Loans

Schedule of activity in allowance for loan losses and recorded investment by portfolio segment

The following table presents the activity in the allowance for loan losses by portfolio segment for the year ended December 31, 2020, 2019 and 2018:


							Commercial
	Residential		Commercial				Lines of		Other
December 31, 2020	Real Estate		Real Estate		Construction		Credit		Consumer		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	12,336	$	5,243	$	3,822	$	328	$	1	$	—	$	21,730
Provision (recovery) for loan losses		23,604		16,634		14,866		(237)		(2)		—		54,865
Charge offs		(3,594)		—		(707)		—		—		—		(4,301)
Recoveries		20		65		7		—		1		—		93
Total ending balance	$	32,366	$	21,942	$	17,988	$	91	$	—	$	—	$	72,387

							Commercial
	Residential		Commercial				Lines of		Other
December 31, 2019	Real Estate		Real Estate		Construction		Credit		Consumer		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	13,826	$	2,573	$	3,273	$	1,058	$	1	$	1,119	$	21,850
Provision (recovery) for loan losses		(1,511)		2,509		542		(554)		—		(1,119)		(133)
Charge offs		—		—		—		(176)		—		—		(176)
Recoveries		21		161		7		—		—		—		189
Total ending balance	$	12,336	$	5,243	$	3,822	$	328	$	1	$	—	$	21,730

							Commercial
	Residential		Commercial				Lines of		Other
December 31, 2018	Real Estate		Real Estate		Construction		Credit		Consumer		Unallocated		Total
Allowance for loan losses:
Beginning balance	$	12,279	$	2,040	$	2,218	$	469	$	1	$	1,450	$	18,457
Provision (recovery) for loan losses		1,533		398		1,040		589		—		(331)		3,229
Charge offs		(4)		—		—		—		—		—		(4)
Recoveries		18		135		15		—		—		—		168
Total ending balance	$	13,826	$	2,573	$	3,273	$	1,058	$	1	$	1,119	$	21,850

The following tables present the balance in the allowance for loan losses and the recorded investment by portfolio segment and based on impairment evaluation method as of December 31, 2020 and 2019:


							Commercial
	Residential		Commercial				Lines of		Other
December 31, 2020	Real Estate		Real Estate		Construction		Credit		Consumer		Unallocated		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	41	$	287	$	1,905	$	4	$	—	$	—	$	2,237
Collectively evaluated for impairment		32,325		21,655		16,083		87		—		—		70,150
Total ending allowance balance	$	32,366	$	21,942	$	17,988	$	91	$	—	$	—	$	72,387
Loans:
Loans individually evaluated for impairment	$	208	$	20,974	$	48,871	$	3,981	$	—	$	—	$	74,034
Loans collectively evaluated for impairment		2,033,318		238,984		157,710		2,690		7		—		2,432,709
Total ending loans balance	$	2,033,526	$	259,958	$	206,581	$	6,671	$	7	$	—	$	2,506,743


							Commercial
	Residential		Commercial				Lines of		Other
December 31, 2019	Real Estate		Real Estate		Construction		Credit		Consumer		Unallocated		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	43	$	—	$	—	$	5	$	—	$	—	$	48
Collectively evaluated for impairment		12,293		5,243		3,822		323		1		—		21,682
Total ending allowance balance	$	12,336	$	5,243	$	3,822	$	328	$	1	$	—	$	21,730
Loans:
Loans individually evaluated for impairment	$	215	$	1,100	$	17,112	$	1,377	$	—	$	—	$	19,804
Loans collectively evaluated for impairment		2,476,651		238,981		161,264		16,526		34		—		2,893,456
Total ending loans balance	$	2,476,866	$	240,081	$	178,376	$	17,903	$	34	$	—	$	2,913,260

Schedule of recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans and aging of the recorded investment in past due loans

The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of December 31, 2020 and 2019:


	At December 31,
	2020				2019
			Loans Past				Loans Past
			Due Over 90				Due Over 90
			Days Still				Days Still
	Nonaccrual		Accruing		Nonaccrual		Accruing
Residential real estate:
Residential first mortgage	$	20,043	$	46	$	14,482	$	50
Residential second mortgage		686		—		210		—
Commercial real estate:
Retail		20		—		40		—
Hotels/SROs		19,945		—		—		—
Construction		41,873		—		—		—
Commercial lines of credit
Private banking		2,285		—		—		—
C&I lending		1,572		—		—		—
Total	$	86,424	$	46	$	14,732	$	50

The following tables present the aging of the recorded investment in past due loans as of December 31, 2020 and 2019 by class of loans:


	30 ‑ 59		60 ‑ 89		Greater than
	Days		Days		89 Days		Total		Loans Not
December 31, 2020	Past Due		Past Due		Past Due		Past Due		Past Due		Total
Residential real estate:
Residential first mortgage	$	37,819	$	14,524	$	20,089	$	72,432	$	1,943,602	$	2,016,034
Residential second mortgage		362		134		686		1,182		16,310		17,492
Commercial real estate:
Retail		1,010		—		20		1,030		15,170		16,200
Multifamily		3,835		—		—		3,835		75,374		79,209
Offices		—		—		—		—		27,061		27,061
Hotels/SROs		—		—		19,945		19,945		47,690		67,635
Industrial		—		—		—		—		13,186		13,186
Other		—		—		—		—		56,667		56,667
Construction		8,593		2,514		41,873		52,980		153,601		206,581
Commercial lines of credit:
Private banking		—		—		2,285		2,285		124		2,409
C&I lending		—		—		1,572		1,572		2,690		4,262
Other consumer		—		—		—		—		7		7
Total	$	51,619	$	17,172	$	86,470	$	155,261	$	2,351,482	$	2,506,743


	30 ‑ 59		60 ‑ 89		Greater than
	Days		Days		89 Days		Total		Loans Not
December 31, 2019	Past Due		Past Due		Past Due		Past Due		Past Due		Total
Residential real estate:
Residential first mortgage	$	36,112	$	5,112	$	14,532	$	55,756	$	2,396,800	$	2,452,556
Residential second mortgage		97		295		210		602		23,708		24,310
Commercial real estate:
Retail		—		—		40		40		6,089		6,129
Multifamily		—		—		—		—		64,873		64,873
Offices		—		—		—		—		28,048		28,048
Hotels/SROs		5,605		—		—		5,605		76,165		81,770
Industrial		—		—		—		—		14,150		14,150
Other		—		—		—		—		45,111		45,111
Construction		15,008		—		—		15,008		163,368		178,376
Commercial lines of credit:
Private banking		—		—		—		—		11,914		11,914
C&I lending		1,249		—		—		1,249		4,740		5,989
Other consumer		—		—		—		—		34		34
Total	$	58,071	$	5,407	$	14,782	$	78,260	$	2,835,000	$	2,913,260

Schedule of risk rating of loans by class of loans


			Special
December 31, 2020	Pass		Mention		Substandard		Doubtful		Total
Residential real estate:
Residential first mortgage	$	1,995,945	$	—	$	19,995	$	94	$	2,016,034
Residential second mortgage		16,806		—		686		—		17,492
Commercial real estate:
Retail		13,599		1,572		1,029		—		16,200
Multifamily		55,772		14,238		9,199		—		79,209
Offices		12,014		1,623		13,424		—		27,061
Hotels/SROs		9,115		17,984		40,536		—		67,635
Industrial		5,867		—		7,319		—		13,186
Other		43,193		7,732		5,742		—		56,667
Construction		152,577		14,234		32,850		6,920		206,581
Commercial lines of credit:
Private banking		124		2,285		—		—		2,409
C&I lending		3,573		—		689		—		4,262
Other consumer		7		—		—		—		7
Total	$	2,308,592	$	59,668	$	131,469	$	7,014	$	2,506,743


			Special
December 31, 2019	Pass		Mention		Substandard		Doubtful		Total
Residential real estate:
Residential first mortgage	$	2,438,024	$	—	$	14,077	$	455	$	2,452,556
Residential second mortgage		24,100		—		210		—		24,310
Commercial real estate:
Retail		4,195		834		1,100		—		6,129
Multifamily		56,164		7,150		1,559		—		64,873
Offices		24,484		645		2,919		—		28,048
Hotels/SROs		60,074		18,189		3,507		—		81,770
Industrial		5,894		8,256		—		—		14,150
Other		37,693		920		6,498		—		45,111
Construction		156,339		7,008		15,029		—		178,376
Commercial lines of credit:
Private banking		10,669		1,245		—		—		11,914
C&I lending		4,013		—		1,976		—		5,989
Other consumer		34		—		—		—		34
Total	$	2,821,683	$	44,247	$	46,875	$	455	$	2,913,260