| Schedule of loan portfolio |
The loan portfolio of the Company consists of the following (in thousands): | | | | | | | | | March 31, 2022 | | December 31, 2021 | Commercial: | | | | | | | Commercial and industrial | | $ | 134,797 | | $ | 134,182 | Paycheck Protection Program (PPP) | | | 7,835 | | | 17,311 | Commercial loans secured by owner occupied real estate (1) | | | 98,474 | | | 99,644 | Commercial loans secured by non-owner occupied real estate (1) | | | 430,105 | | | 430,825 | Real estate − residential mortgage (1) | | | 292,530 | | | 287,996 | Consumer | | | 14,631 | | | 15,096 | Loans, net of unearned income | | $ | 978,372 | | $ | 985,054 |
| (1) | Real estate construction loans constituted 4.9% and 5.6% of the Company’s total loans, net of unearned income as of March 31, 2022 and December 31, 2021, respectively. |
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| Summary of risk concentrations for commercial and commercial real estate loans by industry type |
The following table provides information regarding our potential COVID-19 risk concentrations for commercial and commercial real estate loans by industry type at March 31, 2022 and December 31, 2021 (in thousands). | | | | | | | | | | | | | | | | | | March 31, 2022 | | | | | | Paycheck | | Commercial loans | | Commercial loans | | | | | | Commercial | | Protection | | secured by owner | | secured by non-owner | | | | | | and industrial | | Program | | occupied real estate | | occupied real estate | | Total | 1-4 unit residential | | $ | 1,194 | | $ | — | | $ | — | | $ | 7,687 | | $ | 8,881 | Multifamily/apartments/student housing | | | — | | | — | | | 327 | | | 74,423 | | | 74,750 | Office | | | 38,920 | | | 63 | | | 8,460 | | | 26,443 | | | 73,886 | Retail | | | 7,666 | | | 26 | | | 22,008 | | | 149,126 | | | 178,826 | Industrial/manufacturing/warehouse | | | 73,988 | | | 1,547 | | | 21,386 | | | 46,191 | | | 143,112 | Hotels | | | 101 | | | 1,235 | | | — | | | 42,112 | | | 43,448 | Eating and drinking places | | | 423 | | | 3,614 | | | 4,484 | | | 1,719 | | | 10,240 | Personal care | | | 1,117 | | | 173 | | | — | | | 4,278 | | | 5,568 | Amusement and recreation | | | 84 | | | 6 | | | 5,352 | | | 6 | | | 5,448 | Mixed use | | | — | | | — | | | 3,646 | | | 60,115 | | | 63,761 | Other | | | 11,304 | | | 1,171 | | | 32,811 | | | 18,005 | | | 63,291 | Total | | $ | 134,797 | | $ | 7,835 | | $ | 98,474 | | $ | 430,105 | | $ | 671,211 |
| | | | | | | | | | | | | | | | | | December 31, 2021 | | | | | | Paycheck | | Commercial loans | | Commercial loans | | | | | | Commercial | | Protection | | secured by owner | | secured by non-owner | | | | | | and industrial | | Program | | occupied real estate | | occupied real estate | | Total | 1-4 unit residential | | $ | 1,246 | | $ | — | | $ | 96 | | $ | 8,565 | | $ | 9,907 | Multifamily/apartments/student housing | | | — | | | — | | | 245 | | | 73,912 | | | 74,157 | Office | | | 37,386 | | | 203 | | | 8,644 | | | 28,500 | | | 74,733 | Retail | | | 7,253 | | | 444 | | | 20,439 | | | 148,668 | | | 176,804 | Industrial/manufacturing/warehouse | | | 74,508 | | | 5,940 | | | 21,468 | | | 44,316 | | | 146,232 | Hotels | | | 154 | | | 1,764 | | | — | | | 42,425 | | | 44,343 | Eating and drinking places | | | 484 | | | 6,591 | | | 4,537 | | | 1,752 | | | 13,364 | Personal care | | | 1,197 | | | 173 | | | — | | | 4,315 | | | 5,685 | Amusement and recreation | | | 92 | | | 53 | | | 5,402 | | | 12 | | | 5,559 | Mixed use | | | — | | | — | | | 4,031 | | | 62,088 | | | 66,119 | Other | | | 11,862 | | | 2,143 | | | 34,782 | | | 16,272 | | | 65,059 | Total | | $ | 134,182 | | $ | 17,311 | | $ | 99,644 | | $ | 430,825 | | $ | 681,962 |
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