Loans

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

The following tables present the activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2022 and 2021:


							Commercial
	Residential		Commercial				Lines of		Other
Three Months Ended March 31, 2022	Real Estate		Real Estate		Construction		Credit		Consumer		Total
Allowance for loan losses:
Beginning balance	$	32,202	$	12,608	$	11,730	$	8	$	—	$	56,548
Provision (recovery) for loan losses		(2,481)		1,096		(2,902)		(2)		—		(4,289)
Recoveries		190		5		1		—		—		196
Total ending balance	$	29,911	$	13,709	$	8,829	$	6	$	—	$	52,455

							Commercial
	Residential		Commercial				Lines of		Other
Three Months Ended March 31, 2021	Real Estate		Real Estate		Construction		Credit		Consumer		Total
Allowance for loan losses:
Beginning balance	$	32,366	$	21,942	$	17,988	$	91	$	—	$	72,387
Provision (recovery) for loan losses		486		805		(2,023)		(5)		—		(737)
Recoveries		204		16		1		—		—		221
Total ending balance	$	33,056	$	22,763	$	15,966	$	86	$	—	$	71,871

The following tables present the balance in the allowance for loan losses and the recorded investment in loans by portfolio segment by impairment methodology as of March 31, 2022 and December 31, 2021:


							Commercial
	Residential		Commercial				Lines of		Other
March 31, 2022	Real Estate		Real Estate		Construction		Credit		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	158	$	—	$	—	$	—	$	—	$	158
Collectively evaluated for impairment		29,753		13,709		8,829		6		—		52,297
Total ending allowance balance	$	29,911	$	13,709	$	8,829	$	6	$	—	$	52,455
Loans:
Loans individually evaluated for impairment	$	345	$	—	$	8,375	$	115	$	—	$	8,835
Loans collectively evaluated for impairment		1,580,414		219,767		65,403		219		3		1,865,806
Total ending loans balance	$	1,580,759	$	219,767	$	73,778	$	334	$	3	$	1,874,641


							Commercial
	Residential		Commercial				Lines of		Other
December 31, 2021	Real Estate		Real Estate		Construction		Credit		Consumer		Total
Allowance for loan losses:
Ending allowance balance attributable to loans:
Individually evaluated for impairment	$	159	$	—	$	—	$	—	$	—	$	159
Collectively evaluated for impairment		32,043		12,608		11,730		8		—		56,389
Total ending allowance balance	$	32,202	$	12,608	$	11,730	$	8	$	—	$	56,548
Loans:
Loans individually evaluated for impairment	$	350	$	4,441	$	14,984	$	116	$	—	$	19,891
Loans collectively evaluated for impairment		1,703,881		196,799		91,775		247		221		1,992,923
Total ending loans balance	$	1,704,231	$	201,240	$	106,759	$	363	$	221	$	2,012,814

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 table presents the recorded investment in nonaccrual and loans past due over 90 days still on accrual, excluding nonaccrual loans held for sale, by class of loans as of March 31, 2022 and December 31, 2021:


	March 31, 2022				December 31, 2021
			Loans Past				Loans Past
			Due Over				Due Over
			90 Days Still				90 Days Still
	Nonaccrual		Accruing		Nonaccrual		Accruing
Residential real estate:
Residential first mortgage	$	38,064	$	38	$	45,439	$	39
Residential second mortgage		236		—		236		—
Commercial real estate:
Hotels/Single-room occupancy hotels		—		—		4,441		—
Construction		5,891		—		12,499		—
Total	$	44,191	$	38	$	62,615	$	39

The following tables present the aging of the recorded investment in past due loans as of March 31, 2022 and December 31, 2021 by class of loans:


					Greater
	30 - 59		60 - 89		than
	Days		Days		89 Days		Total		Loans Not
March 31, 2022	Past Due		Past Due		Past Due		Past Due		Past Due		Total
Residential real estate:
Residential first mortgage	$	19,577	$	6,725	$	38,102	$	64,404	$	1,503,375	$	1,567,779
Residential second mortgage		—		—		236		236		12,744		12,980
Commercial real estate:
Retail		—		—		—		—		37,737		37,737
Multifamily		3,610		—		—		3,610		95,062		98,672
Office		—		—		—		—		12,267		12,267
Hotels/ Single-room occupancy hotels		—		—		—		—		15,614		15,614
Industrial		—		—		—		—		11,511		11,511
Other		—		—		—		—		43,966		43,966
Construction		—		—		5,891		5,891		67,887		73,778
Commercial lines of credit:
Private banking		—		—		—		—		115		115
C&I lending		—		—		—		—		219		219
Other consumer		—		—		—		—		3		3
Total	$	23,187	$	6,725	$	44,229	$	74,141	$	1,800,500	$	1,874,641


					Greater
	30 - 59		60 - 89		than
	Days		Days		89 Days		Total		Loans Not
December 31, 2021	Past Due		Past Due		Past Due		Past Due		Past Due		Total
Residential real estate:
Residential first mortgage	$	24,044	$	3,425	$	45,478	$	72,947	$	1,617,509	$	1,690,456
Residential second mortgage		107		—		236		343		13,432		13,775
Commercial real estate:
Retail		—		—		—		—		19,574		19,574
Multifamily		—		—		—		—		96,960		96,960
Office		—		—		—		—		12,382		12,382
Hotels/Single-room occupancy hotels		—		—		4,441		4,441		9,780		14,221
Industrial		—		—		—		—		7,320		7,320
Other		—		—		—		—		50,783		50,783
Construction		10,500		—		12,499		22,999		83,760		106,759
Commercial lines of credit:
Private banking		—		—		—		—		116		116
C&I lending		—		—		—		—		247		247
Other consumer		—		—		—		—		221		221
Total	$	34,651	$	3,425	$	62,654	$	100,730	$	1,912,084	$	2,012,814

Schedule of risk rating of loans by class of loans

At March 31, 2022 and December 31, 2021, the risk rating of loans by class of loans was as follows:


			Special
March 31, 2022	Pass		Mention		Substandard		Doubtful		Total
Residential real estate:
Residential first mortgage	$	1,529,677	$	—	$	37,871	$	231	$	1,567,779
Residential second mortgage		12,744		—		236		—		12,980
Commercial real estate:
Retail		37,737		—		—		—		37,737
Multifamily		77,654		11,531		9,487		—		98,672
Office		10,318		—		1,949		—		12,267
Hotels/ Single-room occupancy hotels		8,158		5,890		1,566		—		15,614
Industrial		11,511		—		—		—		11,511
Other		42,418		1,548		—		—		43,966
Construction		53,874		3,751		16,153		—		73,778
Commercial lines of credit:
Private banking		115		—		—		—		115
C&I lending		219		—		—		—		219
Other consumer		3		—		—		—		3
Total	$	1,784,428	$	22,720	$	67,262	$	231	$	1,874,641


			Special
December 31, 2021	Pass		Mention		Substandard		Doubtful		Total
Residential real estate:
Residential first mortgage	$	1,644,974	$	—	$	45,249	$	233	$	1,690,456
Residential second mortgage		13,539		—		236		—		13,775
Commercial real estate:
Retail		18,846		728		—		—		19,574
Multifamily		75,543		8,104		13,313		—		96,960
Office		10,413		—		1,969		—		12,382
Hotels/ Single-room occupancy hotels		8,205		—		6,016		—		14,221
Industrial		7,320		—		—		—		7,320
Other		48,996		1,692		95		—		50,783
Construction		67,254		17,226		16,348		5,931		106,759
Commercial lines of credit:
Private banking		116		—		—		—		116
C&I lending		236		11		—		—		247
Other consumer		221		—		—		—		221
Total	$	1,895,663	$	27,761	$	83,226	$	6,164	$	2,012,814