Loans (Tables)

12 Months Ended

Dec. 31, 2022

Receivables [Abstract]

Loan Portfolios

Our loan portfolios by class at December 31 follow:

	2022		2021
	(In thousands)
Commercial
Commercial and industrial	$	732,463	$	593,112
Commercial real estate	734,390		610,469
Total commercial	1,466,853		1,203,581
Mortgage
1-4 family owner occupied - jumbo	752,563		541,023
1-4 family owner occupied - non-jumbo	285,632		266,410
1-4 family non-owner occupied	183,100		194,852
1-4 family - 2nd lien	105,277		88,729
Resort lending	41,837		48,645
Total mortgage	1,368,409		1,139,659
Installment
Boat lending	252,965		228,140
Recreational vehicle lending	270,673		234,745
Other	106,452		98,920
Total installment	630,090		561,805
Total loans	3,465,352		2,905,045
Allowance for credit losses	(52,435)		(47,252)
Net Loans	$	3,412,917	$	2,857,793

Financing Receivable, Current, Allowance for Credit Loss

An analysis of the ACL by portfolio segment for the years ended December 31 follows:

	Commercial		Mortgage		Installment		Subjective Allocation		Total
	(In thousands)
2022
Balance at beginning of period	$	11,519	$	19,221	$	3,749	$	12,763	$	47,252
Additions (deductions)
Provision for credit losses	1,845		2,047		1,349		(68)		5,173
Recoveries credited to allowance	453		435		1,608		—		2,496
Loans charged against the allowance	—		(70)		(2,416)		—		(2,486)
Balance at end of period	$	13,817	$	21,633	$	4,290	$	12,695	$	52,435
2021
Balance at beginning of period	$	7,401	$	6,998	$	1,112	$	19,918	$	35,429
Additions (deductions)
Impact of adoption of CECL	2,551		12,000		3,052		(6,029)		11,574
Provision for credit losses	(1,135)		(266)		599		(1,126)		(1,928)
Initial allowance on loans purchased with credit deterioration	95		18		21		—		134
Recoveries credited to allowance	2,607		846		1,024		—		4,477
Loans charged against the allowance	—		(375)		(2,059)		—		(2,434)
Balance at end of period	$	11,519	$	19,221	$	3,749	$	12,763	$	47,252
2020
Balance at beginning of period	$	7,922	$	8,216	$	1,283	$	8,727	$	26,148
Additions (deductions)
Provision for credit losses (1)	1,751		(915)		436		11,191		12,463
Recoveries credited to allowance	1,804		513		752		—		3,069
Loans charged against the allowance	(4,076)		(816)		(1,359)		—		(6,251)
Balance at end of period	$	7,401	$	6,998	$	1,112	$	19,918	$	35,429

(1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.

The allocation of the ACL by portfolio segment at December 31 follows:

	2022				2021
	Allowance for Credit Losses Amount		Percent of Loans to Total Portfolio Loans		Allowance for Credit Losses Amount		Percent of Loans to Total Portfolio Loans
	(Dollars in thousands)
Commercial	$	13,817	42.3	%	$	11,519	41.5	%
Mortgage	21,633		39.5		19,221		39.2
Installment	4,290		18.2		3,749		19.3
Subjective allocation	12,695		—		12,763		—
Total	$	52,435	100.0	%	$	47,252	100.0	%

Financing Receivable, Nonaccrual

Loans on non-accrual status and past due more than 90 days (‘‘Non-performing Loans’’) at December 31 follow:

	Non-Accrual with no Allowance for Credit Loss		Non-Accrual  with an Allowance for Credit Loss		Total Non- Accrual		90+ and Still Accruing		Total Non- Performing Loans
	(In thousands)
2022
Commercial
Commercial and industrial (1)	$	—	$	9	$	9	$	—	$	9
Commercial real estate	—		—		—		—		—
Mortgage
1-4 family owner occupied - jumbo	—		—		—		—		—
1-4 family owner occupied - non-jumbo (2)	1,077		852		1,929		—		1,929
1-4 family non-owner occupied	152		323		475		—		475
1-4 family - 2nd lien	—		562		562		—		562
Resort lending	110		38		148		—		148
Installment
Boat lending	—		380		380		—		380
Recreational vehicle lending	—		30		30		—		30
Other	—		188		188		—		188
Total	$	1,339	$	2,382	$	3,721	$	—	$	3,721
Accrued interest excluded from total	$	—	$	—	$	—	$	—	$	—
2021
Commercial
Commercial and industrial (1)	$	—	$	15	$	15	$	—	$	15
Commercial real estate	—		—		—		—		—
Mortgage
1-4 family owner occupied - jumbo	607		—		607		—		607
1-4 family owner occupied - non-jumbo (2)	137		1,815		1,952		—		1,952
1-4 family non-owner occupied	275		592		867		—		867
1-4 family - 2nd lien	182		681		863		—		863
Resort lending	118		119		237		—		237
Installment
Boat lending	—		210		210		—		210
Recreational vehicle lending	—		177		177		—		177
Other	—		182		182		—		182
Total	$	1,319	$	3,791	$	5,110	$	—	$	5,110
Accrued interest excluded from total	$	—	$	—	$	—	$	—	$	—

(1) Non-performing commercial and industrial loans exclude $0.029 million and $0.047 million of government guaranteed loans at December 31, 2022 and 2021, respectively.

(2) Non-performing 1-4 family owner occupied – non jumbo loans exclude $1.631 million and $0.388 million of government guaranteed loans at December 31, 2022 and 2021, respectively.

Amortized Cost of Collateral-dependent Loans by Class

The amortized cost of collateral-dependent loans by class at December 31, follows:

	Collateral Type				Allowance for Credit Losses
	Real Estate		Other
	(In thousands)
2022
Commercial
Commercial and industrial	$	748	$	1,309	$	197
Commercial real estate	7,329		—		1,243
Mortgage
1-4 family owner occupied - jumbo	—		—		—
1-4 family owner occupied - non-jumbo	1,721		—		229
1-4 family non-owner occupied	233		—		29
1-4 family - 2nd lien	368		—		203
Resort lending	148		—		14
Installment
Boat lending	—		297		101
Recreational vehicle lending	—		30		11
Other	6		128		47
Total	$	10,553	$	1,764	$	2,074
Accrued interest excluded from total	$	40	$	6
2021
Commercial
Commercial and industrial	$	80	$	245	$	51
Commercial real estate	84		—		19
Mortgage
1-4 family owner occupied - jumbo	607		—		—
1-4 family owner occupied - non-jumbo	940		—		286
1-4 family non-owner occupied	477		—		72
1-4 family - 2nd lien	370		—		67
Resort lending	237		—		42
Installment
Boat lending	—		80		29
Recreational vehicle lending	—		121		44
Other	—		70		25
Total	$	2,795	$	516	$	635
Accrued interest excluded from total	$	—	$	1

Aging Analysis of Loans by Class

An aging analysis of loans by class at December 31 follows:

	Loans Past Due								Loans not Past Due		Total Loans
	30-59 days		60-89 days		90+ days		Total
	(In thousands)
2022
Commercial
Commercial and industrial	$	—	$	—	$	38	$	38	$	732,425	$	732,463
Commercial real estate	—		—		—		—		734,390		734,390
Mortgage
1-4 family owner occupied - jumbo	—		—		—		—		752,563		752,563
1-4 family owner occupied - non-jumbo	1,400		521		869		2,790		282,842		285,632
1-4 family non-owner occupied	61		93		200		354		182,746		183,100
1-4 family - 2nd lien	420		107		47		574		104,703		105,277
Resort lending	54		—		148		202		41,635		41,837
Installment
Boat lending	528		14		295		837		252,128		252,965
Recreational vehicle lending	639		147		18		804		269,869		270,673
Other	215		46		123		384		106,068		106,452
Total	$	3,317	$	928	$	1,738	$	5,983	$	3,459,369	$	3,465,352
Accrued interest excluded from total	$	27	$	7	$	—	$	34	$	9,975	$	10,009
2021
Commercial
Commercial and industrial	$	—	$	2	$	62	$	64	$	593,048	$	593,112
Commercial real estate	—		—		—		—		610,469		610,469
Mortgage
1-4 family owner occupied - jumbo	—		—		607		607		540,416		541,023
1-4 family owner occupied - non-jumbo	774		408		657		1,839		264,571		266,410
1-4 family non-owner occupied	87		26		462		575		194,277		194,852
1-4 family - 2nd lien	422		60		289		771		87,958		88,729
Resort lending	—		—		237		237		48,408		48,645
Installment
Boat lending	438		28		52		518		227,622		228,140
Recreational vehicle lending	377		65		120		562		234,183		234,745
Other	252		57		49		358		98,562		98,920
Total	$	2,350	$	646	$	2,535	$	5,531	$	2,899,514	$	2,905,045
Accrued interest excluded from total	$	25	$	9	$	—	$	34	$	6,802	$	6,836

Average Recorded Investment in and Interest Income Earned on Impaired Loans by Class

Average recorded investment in and interest income earned (of which the majority of these amounts were received in cash and related primarily to performing TDR’s) on impaired loans by class for the year ended December 31, 2020 follows (1):

	2020
	Average Recorded Investment		Interest Income Recognized
	(In thousands)
With no related ACL recorded:
Commercial
Commercial and industrial	$	125	$	9
Commercial real estate	159		—
Mortgage
1-4 family owner occupied - jumbo	408		—
1-4 family owner occupied - non-jumbo	252		4
1-4 family non-owner occupied	308		10
1-4 family - 2nd lien	380		—
Resort lending	92		—
Installment
Boat lending	—		—
Recreational vehicle lending	—		—
Other	—		—
	1,724		23
With an ACL recorded:
Commercial
Commercial and industrial	2,230		242
Commercial real estate	10,751		1,043
Mortgage
1-4 family owner occupied - jumbo	1,083		84
1-4 family owner occupied - non-jumbo	19,624		2,033
1-4 family non-owner occupied	4,664		375
1-4 family - 2nd lien	3,376		22
Resort lending	11,316		799
Installment
Boat lending	59		1
Recreational vehicle lending	81		4
Other	2,416		225
	55,600		4,828
Total
Commercial
Commercial and industrial	2,355		251
Commercial real estate	10,910		1,043
Mortgage
1-4 family owner occupied - jumbo	1,491		84
1-4 family owner occupied - non-jumbo	19,876		2,037
1-4 family non-owner occupied	4,972		385
1-4 family - 2nd lien	3,756		22
Resort lending	11,408		799
Installment
Boat lending	59		1
Recreational vehicle lending	81		4
Other	2,416		225
Total	$	57,324	$	4,851

(1) Beginning January 1, 2021, calculation is based on CECL methodology. Prior to January 1, 2021, calculation was based on the probable incurred loss methodology.

Financing Receivable, Troubled Debt Restructuring

Troubled debt restructurings at December 31 follow:

	2022
	Commercial		Retail (1)			Total
	(In thousands)
Performing TDR’s	$	3,155	$	26,000		$	29,155
Non-performing TDR’s (2)	—		1,034		(3)	1,034
Total	$	3,155	$	27,034		$	30,189

	2021
	Commercial		Retail (1)			Total
	(In thousands)
Performing TDR’s	$	4,481	$	31,589		$	36,070
Non-performing TDR’s (2)	—		1,016		(3)	1,016
Total	$	4,481	$	32,605		$	37,086

_____________________________________________

(1) Retail loans include mortgage and installment loan portfolio segments.

(2) Included in non-performing loans table above.

(3) Also includes loans on non-accrual at the time of modification until six payments are received on a timely basis.

Troubled Debt Restructuring During the Period

Loans that have been classified as troubled debt restructurings during the years ended December 31 follow (1):

	Number of Contracts	Pre-modification Recorded Balance		Post-modification Recorded Balance
2022
Commercial
Commercial and industrial	—	$	—	$	—
Commercial real estate	—	—		—
Mortgage
1-4 family owner occupied - jumbo	—	—		—
1-4 family owner occupied - non-jumbo	1	265		291
1-4 family non-owner occupied	—	—		—
1-4 family - 2nd lien	—	—		—
Resort lending	—	—		—
Installment
Boat lending	—	—		—
Recreational vehicle lending	—	—		—
Other	—	—		—
Total	1	$	265	$	291

	Number of Contracts	Pre-modification Recorded Balance		Post-modification Recorded Balance
	(Dollars in thousands)
2020
Commercial
Commercial and industrial	7	$	1,207	$	1,207
Commercial real estate	4	7,012		7,012
Mortgage
1-4 family owner occupied - jumbo	—	—		—
1-4 family owner occupied - non-jumbo	5	357		374
1-4 family non-owner occupied	2	111		116
1-4 family - 2nd lien	2	44		46
Resort lending	—	—		—
Installment
Boat lending	—	—		—
Recreational vehicle lending	—	—		—
Other	4	91		93
Total	24	$	8,822	$	8,848

(1) There were no TDR modifications during the year ended December 31, 2021 . The loan modifications during 2020 in the table above did not qualify for relief from TDR accounting under the CARES Act.

Loan Ratings by Loan Class

The following tables summarize loan ratings by loan class for our commercial loan portfolio segment at December 31:

	Commercial
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2022		2021		2020		2019		2018		Prior
	(In thousands)
December 31, 2022
Commercial and industrial
Non-watch (1-6)	$	157,561	$	89,251	$	58,292	$	45,792	$	30,715	$	95,908	$	237,906	$	715,425
Watch (7-8)	680		4,539		781		1,690		105		4,474		2,793		15,062
Substandard Accrual (9)	—		971		68		388		109		402		—		1,938
Non-Accrual (10-11)	—		—		—		—		—		38		—		38
Total	$	158,241	$	94,761	$	59,141	$	47,870	$	30,929	$	100,822	$	240,699	$	732,463
Accrued interest excluded from total	$	238	$	178	$	146	$	105	$	181	$	308	$	890	$	2,046
Commercial real estate
Non-watch (1-6)	$	170,238	$	154,918	$	38,062	$	97,762	$	56,580	$	159,514	$	42,030	$	719,104
Watch (7-8)	—		182		313		4,769		1,010		1,641		112		8,027
Substandard Accrual (9)	—		—		—		181		2,014		5,064		—		7,259
Non-Accrual (10-11)	—		—		—		—		—		—		—		—
Total	$	170,238	$	155,100	$	38,375	$	102,712	$	59,604	$	166,219	$	42,142	$	734,390
Accrued interest excluded from total	$	609	$	468	$	88	$	368	$	206	$	515	$	109	$	2,363
Total Commercial
Non-watch (1-6)	$	327,799	$	244,169	$	96,354	$	143,554	$	87,295	$	255,422	$	279,936	$	1,434,529
Watch (7-8)	680		4,721		1,094		6,459		1,115		6,115		2,905		23,089
Substandard Accrual (9)	—		971		68		569		2,123		5,466		—		9,197
Non-Accrual (10-11)	—		—		—		—		—		38		—		38
Total	$	328,479	$	249,861	$	97,516	$	150,582	$	90,533	$	267,041	$	282,841	$	1,466,853
Accrued interest excluded from total	$	847	$	646	$	234	$	473	$	387	$	823	$	999	$	4,409

	Commercial
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2021		2020		2019		2018		2017		Prior
	(In thousands)
December 31, 2021
Commercial and industrial
Non-watch (1-6)	$	121,917	$	69,856	$	56,984	$	44,827	$	38,307	$	96,261	$	144,579	$	572,731
Watch (7-8)	81		—		532		1,294		362		6,274		476		9,019
Substandard Accrual (9)	1,569		2		1,159		247		—		1,530		6,793		11,300
Non-Accrual (10-11)	—		—		—		—		—		62		—		62
Total	$	123,567	$	69,858	$	58,675	$	46,368	$	38,669	$	104,127	$	151,848	$	593,112
Accrued interest excluded from total	$	314	$	153	$	105	$	229	$	90	$	240	$	242	$	1,373
Commercial real estate
Non-watch (1-6)	$	123,330	$	55,479	$	108,056	$	75,828	$	39,123	$	160,199	$	31,551	$	593,566
Watch (7-8)	—		324		3,028		7,678		1,708		1,423		—		14,161
Substandard Accrual (9)	441		—		—		1,193		1,108		—		—		2,742
Non-Accrual (10-11)	—		—		—		—		—		—		—		—
Total	$	123,771	$	55,803	$	111,084	$	84,699	$	41,939	$	161,622	$	31,551	$	610,469
Accrued interest excluded from total	$	182	$	81	$	233	$	203	$	94	$	325	$	47	$	1,165
Total Commercial
Non-watch (1-6)	$	245,247	$	125,335	$	165,040	$	120,655	$	77,430	$	256,460	$	176,130	$	1,166,297
Watch (7-8)	81		324		3,560		8,972		2,070		7,697		476		23,180
Substandard Accrual (9)	2,010		2		1,159		1,440		1,108		1,530		6,793		14,042
Non-Accrual (10-11)	—		—		—		—		—		62		—		62
Total	$	247,338	$	125,661	$	169,759	$	131,067	$	80,608	$	265,749	$	183,399	$	1,203,581
Accrued interest excluded from total	$	496	$	234	$	338	$	432	$	184	$	565	$	289	$	2,538

For each of our mortgage and installment portfolio segment classes we generally monitor credit quality based on the credit scores of the borrowers. These credit scores are generally updated semi-annually. The following tables summarize credit scores by loan class for our mortgage and installment loan portfolio segments at December 31:

	Mortgage (1)
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2022		2021		2020		2019		2018		Prior
	(In thousands)
December 31, 2022
1-4 family owner occupied - jumbo
800 and above	$	23,764	$	54,637	$	16,848	$	9,211	$	2,988	$	6,946	$	639	$	115,033
750-799	97,269		189,653		71,555		16,091		1,828		16,140		683		393,219
700-749	34,158		91,189		28,701		12,666		2,775		8,852		1,536		179,877
650-699	10,905		20,743		7,216		2,554		4,250		4,020		827		50,515
600-649	1,712		1,275		4,534		464		—		2,150		—		10,135
550-599	549		1,516		—		—		469		—		—		2,534
500-549	—		—		561		—		—		689		—		1,250
Under 500	—		—		—		—		—		—		—		—
Unknown	—		—		—		—		—		—		—		—
Total	$	168,357	$	359,013	$	129,415	$	40,986	$	12,310	$	38,797	$	3,685	$	752,563
Accrued interest excluded from total	$	506	$	773	$	315	$	108	$	44	$	127	$	19	$	1,892
1-4 family owner occupied - non-jumbo
800 and above	$	8,894	$	10,498	$	5,558	$	3,220	$	2,074	$	6,074	$	1,680	$	37,998
750-799	33,833		26,239		13,956		6,018		4,501		18,009		9,936		112,492
700-749	17,629		13,526		7,626		3,938		3,263		22,506		3,509		71,997
650-699	7,983		5,124		2,679		3,270		1,992		10,893		983		32,924
600-649	1,539		1,226		1,836		423		1,035		7,044		99		13,202
550-599	—		—		56		1,472		938		5,481		132		8,079
500-549	—		76		850		341		570		4,142		115		6,094
Under 500	—		207		764		475		285		1,115		—		2,846
Unknown	—		—		—		—		—		—		—		—
Total	$	69,878	$	56,896	$	33,325	$	19,157	$	14,658	$	75,264	$	16,454	$	285,632
Accrued interest excluded from total	$	283	$	123	$	78	$	58	$	58	$	242	$	111	$	953
1-4 family non-owner occupied
800 and above	$	4,329	$	9,308	$	5,178	$	4,147	$	752	$	5,842	$	1,683	$	31,239
750-799	22,171		36,363		12,242		6,103		2,549		12,257		4,132		95,817
700-749	8,739		12,423		5,507		1,335		1,198		6,825		1,930		37,957
650-699	1,476		2,489		3,798		190		292		4,350		550		13,145
600-649	954		139		—		107		491		1,475		203		3,369
550-599	—		—		—		121		54		404		335		914
500-549	—		—		—		—		—		402		60		462
Under 500	—		—		—		—		—		197		—		197
Unknown	—		—		—		—		—		—		—		—
Total	$	37,669	$	60,722	$	26,725	$	12,003	$	5,336	$	31,752	$	8,893	$	183,100
Accrued interest excluded from total	$	106	$	161	$	69	$	36	$	21	$	108	$	57	$	558
1-4 family - 2nd lien
800 and above	$	238	$	282	$	454	$	267	$	200	$	503	$	8,000	$	9,944
750-799	2,109		2,749		2,334		665		333		3,597		38,346		50,133
700-749	1,495		1,820		931		759		459		2,649		20,981		29,094
650-699	192		292		90		237		275		1,496		8,188		10,770
600-649	20		99		258		192		23		974		2,040		3,606
550-599	130		—		—		—		132		395		228		885
500-549	—		—		—		18		—		418		122		558
Under 500	—		—		—		129		3		55		100		287
Unknown	—		—		—		—		—		—		—		—
Total	$	4,184	$	5,242	$	4,067	$	2,267	$	1,425	$	10,087	$	78,005	$	105,277
Accrued interest excluded from total	$	11	$	11	$	8	$	7	$	4	$	36	$	511	$	588

	Mortgage - continued (1)
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2022		2021		2020		2019		2018		Prior
	(In thousands)
December 31, 2022
Resort lending
800 and above	$	—	$	429	$	—	$	—	$	268	$	7,031	$	—	$	7,728
750-799	1,045		1,272		1,211		183		616		15,815		—		20,142
700-749	85		651		114		—		—		6,331		—		7,181
650-699	107		—		53		—		—		5,413		—		5,573
600-649	—		—		—		—		—		895		—		895
550-599	—		—		—		—		—		68		—		68
500-549	—		—		—		—		—		140		—		140
Under 500	—		—		—		—		—		110		—		110
Unknown	—		—		—		—		—		—		—		—
Total	$	1,237	$	2,352	$	1,378	$	183	$	884	$	35,803	$	—	$	41,837
Accrued interest excluded from total	$	4	$	4	$	3	$	—	$	3	$	111	$	—	$	125
Total Mortgage
800 and above	$	37,225	$	75,154	$	28,038	$	16,845	$	6,282	$	26,396	$	12,002	$	201,942
750-799	156,427		256,276		101,298		29,060		9,827		65,818		53,097		671,803
700-749	62,106		119,609		42,879		18,698		7,695		47,163		27,956		326,106
650-699	20,663		28,648		13,836		6,251		6,809		26,172		10,548		112,927
600-649	4,225		2,739		6,628		1,186		1,549		12,538		2,342		31,207
550-599	679		1,516		56		1,593		1,593		6,348		695		12,480
500-549	—		76		1,411		359		570		5,791		297		8,504
Under 500	—		207		764		604		288		1,477		100		3,440
Unknown	—		—		—		—		—		—		—		—
Total	$	281,325	$	484,225	$	194,910	$	74,596	$	34,613	$	191,703	$	107,037	$	1,368,409
Accrued interest excluded from total	$	910	$	1,072	$	473	$	209	$	130	$	624	$	698	$	4,116

	Mortgage (1)
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2021		2020		2019		2018		2017		Prior
	(In thousands)
December 31, 2021
1-4 family owner occupied - jumbo
800 and above	$	31,137	$	17,652	$	8,491	$	2,565	$	7,516	$	527	$	—	$	67,888
750-799	135,292		92,590		30,072		7,118		9,469		5,043		2,371		281,955
700-749	67,255		34,665		13,765		4,421		7,748		4,856		—		132,710
650-699	19,367		10,313		5,447		5,285		6,080		690		—		47,182
600-649	2,050		2,638		506		1,013		837		976		—		8,020
550-599	—		469		—		—		781		—		—		1,250
500-549	—		1,411		—		—		—		—		—		1,411
Under 500	—		—		—		—		607		—		—		607
Unknown	—		—		—		—		—		—		—		—
Total	$	255,101	$	159,738	$	58,281	$	20,402	$	33,038	$	12,092	$	2,371	$	541,023
Accrued interest excluded from total	$	557	$	370	$	163	$	77	$	87	$	33	$	3	$	1,290
1-4 family owner occupied - non-jumbo
800 and above	$	6,185	$	5,534	$	3,756	$	2,514	$	3,566	$	4,569	$	4,026	$	30,150
750-799	33,227		20,300		9,688		5,664		8,887		12,498		8,341		98,605
700-749	19,317		10,572		4,813		4,035		5,008		21,806		5,637		71,188
650-699	6,593		4,233		3,217		2,010		3,135		12,423		2,812		34,423
600-649	2,119		1,082		1,051		1,549		1,660		8,663		89		16,213
550-599	—		295		1,076		758		1,023		5,802		147		9,101
500-549	—		57		421		327		510		3,169		18		4,502
Under 500	—		616		284		394		250		684		—		2,228
Unknown	—		—		—		—		—		—		—		—
Total	$	67,441	$	42,689	$	24,306	$	17,251	$	24,039	$	69,614	$	21,070	$	266,410
Accrued interest excluded from total	$	208	$	97	$	84	$	58	$	68	$	226	$	57	$	798
1-4 family non-owner occupied
800 and above	$	15,406	$	1,786	$	2,857	$	1,459	$	2,627	$	5,058	$	1,639	$	30,832
750-799	44,201		21,885		10,517		3,667		6,956		10,004		5,117		102,347
700-749	16,486		7,807		2,764		1,878		966		6,095		2,756		38,752
650-699	6,617		3,095		257		299		248		6,019		955		17,490
600-649	125		57		108		282		174		2,051		381		3,178
550-599	—		25		—		192		—		1,121		—		1,338
500-549	—		—		—		55		—		638		50		743
Under 500	—		—		—		—		—		172		—		172
Unknown	—		—		—		—		—		—		—		—
Total	$	82,835	$	34,655	$	16,503	$	7,832	$	10,971	$	31,158	$	10,898	$	194,852
Accrued interest excluded from total	$	171	$	95	$	46	$	23	$	33	$	107	$	38	$	513
1-4 family - 2nd lien
800 and above	$	415	$	964	$	426	$	95	$	266	$	353	$	8,465	$	10,984
750-799	2,161		2,413		714		1,332		1,859		2,415		30,106		41,000
700-749	1,307		1,049		771		561		1,374		2,365		16,316		23,743
650-699	122		309		460		405		140		1,639		5,286		8,361
600-649	—		177		72		106		92		1,143		1,370		2,960
550-599	—		—		61		—		—		476		228		765
500-549	—		—		99		—		89		190		155		533
Under 500	—		—		54		3		60		16		250		383
Unknown	—		—		—		—		—		—		—		—
Total	$	4,005	$	4,912	$	2,657	$	2,502	$	3,880	$	8,597	$	62,176	$	88,729
Accrued interest excluded from total	$	7	$	9	$	9	$	5	$	8	$	34	$	211	$	283

	Mortgage - continued (1)
	Term Loans Amortized Cost Basis by Origination Year												Revolving Loans Amortized Cost Basis		Total
	2021		2020		2019		2018		2017		Prior
	(In thousands)
December 31, 2021
Resort lending
800 and above	$	—	$	—	$	—	$	274	$	—	$	7,347	$	—	$	7,621
750-799	600		1,246		250		511		63		19,630		—		22,300
700-749	—		174		—		301		67		9,052		—		9,594
650-699	951		—		—		—		—		6,057		—		7,008
600-649	—		—		—		—		—		1,841		—		1,841
550-599	—		—		—		—		—		80		—		80
500-549	—		—		—		—		—		201		—		201
Under 500	—		—		—		—		—		—		—		—
Unknown	—		—		—		—		—		—		—		—
Total	$	1,551	$	1,420	$	250	$	1,086	$	130	$	44,208	$	—	$	48,645
Accrued interest excluded from total	$	2	$	3	$	—	$	3	$	—	$	106	$	—	$	114
Total Mortgage
800 and above	$	53,143	$	25,936	$	15,530	$	6,907	$	13,975	$	17,854	$	14,130	$	147,475
750-799	215,481		138,434		51,241		18,292		27,234		49,590		45,935		546,207
700-749	104,365		54,267		22,113		11,196		15,163		44,174		24,709		275,987
650-699	33,650		17,950		9,381		7,999		9,603		26,828		9,053		114,464
600-649	4,294		3,954		1,737		2,950		2,763		14,674		1,840		32,212
550-599	—		789		1,137		950		1,804		7,479		375		12,534
500-549	—		1,468		520		382		599		4,198		223		7,390
Under 500	—		616		338		397		917		872		250		3,390
Unknown	—		—		—		—		—		—		—		—
Total	$	410,933	$	243,414	$	101,997	$	49,073	$	72,058	$	165,669	$	96,515	$	1,139,659
Accrued interest excluded from total	$	945	$	574	$	302	$	166	$	196	$	506	$	309	$	2,998

(1) Credit scores have been updated within the last twelve months.

	Installment (1)
	Term Loans Amortized Cost Basis by Origination Year
	2022		2021		2020		2019		2018		Prior		Total
	(In thousands)
December 31, 2022
Boat lending
800 and above	$	7,901	$	8,763	$	4,391	$	5,102	$	3,612	$	5,955	$	35,724
750-799	44,498		37,531		20,179		16,506		12,814		14,504		146,032
700-749	15,390		13,704		7,281		5,848		4,357		6,132		52,712
650-699	3,933		4,135		1,498		1,290		1,032		2,213		14,101
600-649	661		1,043		149		286		200		670		3,009
550-599	22		195		16		53		203		274		763
500-549	277		57		62		43		106		30		575
Under 500	—		—		—		—		26		23		49
Unknown	—		—		—		—		—		—		—
Total	$	72,682	$	65,428	$	33,576	$	29,128	$	22,350	$	29,801	$	252,965
Accrued interest excluded from total	$	171	$	148	$	84	$	78	$	52	$	68	$	601
Recreational vehicle lending
800 and above	$	9,327	$	10,752	$	4,524	$	4,834	$	3,416	$	4,319	$	37,172
750-799	51,555		49,949		16,175		11,920		8,990		7,818		146,407
700-749	23,143		24,945		7,680		4,459		2,279		2,939		65,445
650-699	5,013		6,516		1,598		1,361		727		904		16,119
600-649	793		1,608		374		446		232		268		3,721
550-599	107		381		129		202		234		87		1,140
500-549	—		293		111		61		59		15		539
Under 500	—		85		7		22		—		16		130
Unknown	—		—		—		—		—		—		—
Total	$	89,938	$	94,529	$	30,598	$	23,305	$	15,937	$	16,366	$	270,673
Accrued interest excluded from total	$	219	$	227	$	72	$	58	$	38	$	34	$	648
Other
800 and above	$	1,974	$	1,647	$	1,449	$	942	$	366	$	731	$	7,109
750-799	15,692		9,973		5,521		3,393		1,678		3,612		39,869
700-749	9,848		7,517		3,404		1,801		999		2,653		26,222
650-699	22,740		2,851		1,051		593		405		1,286		28,926
600-649	711		634		127		222		147		507		2,348
550-599	122		63		170		54		115		118		642
500-549	67		217		29		64		19		90		486
Under 500	6		52		22		28		13		28		149
Unknown	701		—		—		—		—		—		701
Total	$	51,861	$	22,954	$	11,773	$	7,097	$	3,742	$	9,025	$	106,452
Accrued interest excluded from total	$	84	$	48	$	25	$	19	$	10	$	49	$	235
Total installment
800 and above	$	19,202	$	21,162	$	10,364	$	10,878	$	7,394	$	11,005	$	80,005
750-799	111,745		97,453		41,875		31,819		23,482		25,934		332,308
700-749	48,381		46,166		18,365		12,108		7,635		11,724		144,379
650-699	31,686		13,502		4,147		3,244		2,164		4,403		59,146
600-649	2,165		3,285		650		954		579		1,445		9,078
550-599	251		639		315		309		552		479		2,545
500-549	344		567		202		168		184		135		1,600
Under 500	6		137		29		50		39		67		328
Unknown	701		—		—		—		—		—		701
Total	$	214,481	$	182,911	$	75,947	$	59,530	$	42,029	$	55,192	$	630,090
Accrued interest excluded from total	$	474	$	423	$	181	$	155	$	100	$	151	$	1,484

	Installment (1)
	Term Loans Amortized Cost Basis by Origination Year
	2021		2020		2019		2018		2017		Prior		Total
	(In thousands)
December 31, 2021
Boat lending
800 and above	$	7,513	$	5,786	$	6,015	$	4,906	$	2,968	$	4,433	$	31,621
750-799	47,434		24,968		21,052		15,681		9,797		10,971		129,903
700-749	19,180		9,724		8,263		6,467		3,109		4,953		51,696
650-699	3,845		1,679		2,301		1,223		1,166		1,378		11,592
600-649	373		419		209		327		185		604		2,117
550-599	237		81		91		113		115		191		828
500-549	—		49		—		85		—		67		201
Under 500	—		—		—		10		168		4		182
Unknown	—		—		—		—		—		—		—
Total	$	78,582	$	42,706	$	37,931	$	28,812	$	17,508	$	22,601	$	228,140
Accrued interest excluded from total	$	169	$	102	$	106	$	69	$	44	$	47	$	537
Recreational vehicle lending
800 and above	$	8,475	$	5,121	$	5,837	$	4,627	$	2,456	$	3,594	$	30,110
750-799	66,834		22,707		17,173		11,973		5,281		6,794		130,762
700-749	32,702		9,500		6,169		3,768		1,657		2,343		56,139
650-699	7,390		2,423		1,842		948		649		905		14,157
600-649	990		408		291		333		152		111		2,285
550-599	271		100		163		318		6		72		930
500-549	39		21		105		62		26		91		344
Under 500	—		—		11		—		—		7		18
Unknown	—		—		—		—		—		—		—
Total	$	116,701	$	40,280	$	31,591	$	22,029	$	10,227	$	13,917	$	234,745
Accrued interest excluded from total	$	265	$	93	$	78	$	56	$	26	$	28	$	546
Other
800 and above	$	2,328	$	1,424	$	1,493	$	882	$	357	$	695	$	7,179
750-799	13,923		9,093		6,074		3,175		2,183		2,731		37,179
700-749	10,791		5,426		3,301		1,899		906		2,194		24,517
650-699	20,167		1,715		1,249		657		561		1,332		25,681
600-649	761		368		272		190		284		357		2,232
550-599	159		42		127		167		46		154		695
500-549	8		53		56		55		38		98		308
Under 500	6		62		42		14		12		18		154
Unknown	975		—		—		—		—		—		975
Total	$	49,118	$	18,183	$	12,614	$	7,039	$	4,387	$	7,579	$	98,920
Accrued interest excluded from total	$	73	$	40	$	36	$	19	$	11	$	38	$	217
Total installment
800 and above	$	18,316	$	12,331	$	13,345	$	10,415	$	5,781	$	8,722	$	68,910
750-799	128,191		56,768		44,299		30,829		17,261		20,496		297,844
700-749	62,673		24,650		17,733		12,134		5,672		9,490		132,352
650-699	31,402		5,817		5,392		2,828		2,376		3,615		51,430
600-649	2,124		1,195		772		850		621		1,072		6,634
550-599	667		223		381		598		167		417		2,453
500-549	47		123		161		202		64		256		853
Under 500	6		62		53		24		180		29		354
Unknown	975		—		—		—		—		—		975
Total	$	244,401	$	101,169	$	82,136	$	57,880	$	32,122	$	44,097	$	561,805
Accrued interest excluded from total	$	507	$	235	$	220	$	144	$	81	$	113	$	1,300

(1) Credit scores have been updated within the last twelve months.

Other Mortgage Loans Service's Principal Balances

Mortgage loans serviced for others are not reported as assets on the Consolidated Statements of Financial Condition. The principal balances of these loans at December 31 follow:

	2022		2021
	(In thousands)
Mortgage loans serviced for:
Fannie Mae	$	1,840,221	$	1,753,255
Freddie Mac	1,375,514		1,344,675
Ginnie Mae	169,421		170,983
FHLB	72,809		49,581
Other	35,347		5,027
Total	$	3,493,312	$	3,323,521

Analysis of Capitalized Mortgage Loan Servicing Rights

An analysis of capitalized mortgage loan servicing rights for the years ended December 31 follows:

	2022		2021		2020
	(In thousands)
Balance at beginning of period	$	26,232	$	16,904	$	19,171
Originated servicing rights capitalized	6,061		11,436		13,957
Change in fair value due to price	14,272		3,380		(10,833)
Change in fair value due to pay downs	(4,076)		(5,488)		(5,391)
Balance at end of year	$	42,489	$	26,232	$	16,904
Loans sold and serviced that have had servicing rights capitalized	$	3,493,312	$	3,323,521	$	2,982,833