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Allowance For Credit Losses
 6 Months Ended
Jun. 30, 2021
Receivables [Abstract]  
Allowance For Credit Losses
The following table summarizes the activity in the allowance for credit losses, by portfolio loan classification, for the three and six months ended June 30, 2021 and 2020 (in thousands).  The allocation of a portion of the allowance in one portfolio segment does not preclude its availability to absorb losses in other portfolio segments.
Commercial andCommercialResidentialDDA
IndustrialReal EstateReal EstateHome EquityConsumerOverdraftsTotal
Six months ended June 30, 2021
Beginning balance$3,644 $10,997 $8,093 $630 $163 $1,022 $24,549 
Charge-offs(245)(1,719)(179)(72)(226)(883)(3,324)
Recoveries71 179 91 26 143 721 1,231 
(Recovery of) provision for credit losses(114)(1,090)(1,214)(116)165 (71)(2,440)
Ending balance$3,356 $8,367 $6,791 $468 $245 $789 $20,016 
Six months ended June 30, 2020       
Beginning balance$2,059 $2,606 $3,448 $1,187 $975 $1,314 11,589 
Impact of adopting CECL1,715 3,254 2,139 (598)(810)60 5,760 
Charge-offs(77)(422)(859)(206)(91)(1,162)(2,817)
Recoveries14 331 103 56 141 800 1,445 
Provision for (recovery of) credit losses2,555 4,321 2,492 208 (95)(259)9,222 
Ending balance$6,266 $10,090 $7,323 $647 $120 $753 $25,199 
Three months ended June 30, 2021
Beginning balance$3,525 $10,867 $8,060 $608 $151 $865 $24,076 
Charge-offs(211)(1,718)(86)(8)(79)(430)(2,532)
Recoveries25 15 17 3 104 308 472 
Provision for (recovery of) credit losses17 (797)(1,200)(135)69 46 (2,000)
Ending balance$3,356 $8,367 $6,791 $468 $245 $789 $20,016 
Three months ended June 30, 2020
Beginning Balance$5,855 $9,389 $6,958 $702 $233 $1,256 24,393 
Charge-offs— (39)(376)(161)(36)(459)(1,071)
Recoveries5 128 8 9 128 349 627 
Provision for (recovery of) credit losses406 612 733 97 (205)(393)1,250 
$6,266 $10,090 $7,323 $647 $120 $753 $25,199 

Management systematically monitors the loan portfolio and the appropriateness of the allowance for credit losses on a quarterly basis to provide for expected losses inherent in the portfolio. Management assesses the risk in each loan type based on historical trends, the general economic environment of its local markets, individual loan performance and other relevant factors. The Company's estimate of future economic conditions utilized in its provision estimate is primarily dependent on expected unemployment ranges over a two-year period. Beyond two years, a straight line reversion to historical average loss rates is applied over the life of the loan pool in the migration methodology. The vintage methodology applies future average loss rates based on net losses in historical periods where the unemployment rate was within the forecasted range. The provision for credit losses recorded during the six months ended June 30, 2021 reflects the expected economic impact from the COVID-19 pandemic. As a result of COVID-19, expected unemployment ranges significantly increased during the quarter ended March 31, 2020 and resulted in an increase in the Company's provision for credit losses. During the quarter ended June 30, 2021, the Company partially recovered a portion of the provision for credit losses incurred in the quarter ended March 31, 2020, due to improvements in the outlook for unemployment ranges utilized by the Company and partial adjustments to other qualitative and other factors.
Individual credits in excess of $1 million are selected at least annually for detailed loan reviews, which are utilized by management to assess the risk in the portfolio and the appropriateness of the allowance.

Non-Performing Loans

Interest income on loans is accrued and credited to operations based upon the principal amount outstanding, using methods that generally result in level rates of return.  Loan origination fees, and certain direct costs, are deferred and amortized as an adjustment to the yield over the term of the loan.  The accrual of interest generally is discontinued when a loan becomes 90 days past due as to principal or interest for all loan types.  However, any loan may be placed on non-accrual status if the Company receives information that indicates a borrower is unable to meet the contractual terms of its respective loan agreement. Other indicators considered for placing a loan on non-accrual status include the borrower’s involvement in bankruptcies, foreclosures, repossessions, litigation and any other situation resulting in doubt as to whether full collection of contractual principal and interest is attainable.  When interest accruals are discontinued, unpaid interest recognized in income in the current year is reversed, and interest accrued in prior years is charged to the allowance for credit losses.  Management may elect to continue the accrual of interest when the net realizable value of collateral exceeds the principal balance and related accrued interest, and the loan is in the process of collection.

Generally for all loan classes, interest income during the period the loan is non-performing is recorded on a cash basis after recovery of principal is reasonably assured.  Cash payments received on nonperforming loans are typically applied directly against the outstanding principal balance until the loan is fully repaid.  Generally, loans are restored to accrual status when the obligation is brought current, the borrower has performed in accordance with the contractual terms for a reasonable period of time, and the ultimate collectability of the total contractual principal and interest is no longer in doubt.

Non-Performing Loans

The following table presents the amortized cost basis of loans on non-accrual status and loans past due over 90 days still accruing as of June 30, 2021 (in thousands):
Non-accrual With NoNon-accrual WithLoans Past Due
Allowance forAllowance forOver 90 Days
Credit LossesCredit LossesStill Accruing
Commercial & Industrial$172 $648 $— 
   1-4 Family— 1,963 — 
   Hotels1,350 114 — 
   Multi-family— — — 
   Non Residential Non-Owner Occupied— 683 — 
   Non Residential Owner Occupied1,922 351 — 
Commercial Real Estate3,272 3,111 — 
Residential Real Estate1 2,481 278 
Home Equity— 81 — 
Consumer— — — 
Total$3,445 $6,321 $278 
The following table presents the amortized cost basis of loans on non-accrual status and loans past due over 90 days still accruing as of December 31, 2020 (in thousands):

Non-accrual With NoNon-accrual WithLoans Past Due
Allowance forAllowance forOver 90 Days
Credit LossesCredit LossesStill Accruing
Commercial & Industrial$172 $596 $— 
   1-4 Family— 2,056 — 
   Hotels— 2,951 — 
   Multi-family— — — 
   Non Residential Non-Owner Occupied— 508 — 
   Non Residential Owner Occupied2,297 589 — 
Commercial Real Estate2,297 6,104 — 
Residential Real Estate21 2,947 — 
Home Equity— 95 — 
Consumer— — — 
Total$2,490 $9,742 $— 
The Company recognized less than $0.1 million of interest income on nonaccrual loans during each of the six months ended June 30, 2021 and 2020.

The following table presents the amortized cost basis of individually evaluated impaired collateral-dependent loans as of June 30, 2021 and December 31, 2020 (in thousands). Changes in the fair value of the collateral for collateral-dependent loans are reported as credit loss expense or a reversal of credit loss expense in the period of change.
June 30, 2021December 31, 2020
Secured bySecured by
Real EstateEquipmentReal EstateEquipment
Commercial and industrial$172 $— $173 $— 
   1-4 Family— — — — 
   Hotels1,350 — 2,837 — 
   Multi-family— — — — 
   Non Residential Non-Owner Occupied— — — — 
   Non Residential Owner Occupied1,922 — 2,296 — 
Commercial real estate3,272 — 5,133 — 
Total$3,444 $— $5,306 $— 


     The Company would have recognized less than $0.2 million and $0.1 million of interest income during each of the six months ended June 30, 2021 and 2020, respectively, if such loans had been current in accordance with their original terms. There were no significant commitments to provide additional funds on non-accrual or impaired loans at June 30, 2021.

Generally, all loan types are considered past due when the contractual terms of a loan are not met and the borrower is 30 days or more past due on a payment.  Furthermore, residential and home equity loans are generally subject to charge-off when the loan becomes 120 days past due, depending on the estimated fair value of the collateral less cost to dispose, versus the outstanding loan balance.  Commercial loans are generally charged off when the loan becomes 120 days past due.  Open-end consumer loans are generally charged off when the loan becomes 180 days past due.
The following tables present the aging of the amortized cost basis in past-due loans as of June 30, 2021 and December 31, 2020 by class of loan (in thousands):
June 30, 2021
30-5960-8990+TotalCurrentNon-Total
Past DuePast DuePast DuePast DueLoansaccrualLoans
Commercial and industrial$722 $— $— $722 $357,041 $820 $358,583 
   1-4 Family111 — — 111 106,005 1,963 108,079 
   Hotels— — — — 288,655 1,464 290,119 
   Multi-family— — — — 212,715 — 212,715 
   Non Residential Non-Owner Occupied— — — — 652,581 683 653,264 
   Non Residential Owner Occupied10 377 — 387 206,440 2,273 209,100 
Commercial real estate121 377 — 498 1,466,396 6,383 1,473,277 
Residential real estate4,956 219 278 5,453 1,513,167 2,482 1,521,102 
Home Equity494 28 — 522 127,005 81 127,608 
Consumer11 1 — 12 45,172 — 45,184 
Overdrafts414 3 — 417 3,245 — 3,662 
Total$6,718 $628 $278 $7,624 $3,512,026 $9,766 $3,529,416 

December 31, 2020
30-5960-8990+TotalCurrentNon-Total
Past DuePast DuePast DuePast DueLoansaccrualLoans
Commercial and industrial$1,213 $27 $— $1,240 $370,981 $768 $372,989 
   1-4 Family484 — — 484 107,272 2,056 109,812 
   Hotels— — — — 291,513 2,951 294,464 
   Multi-family— — — — 215,671 — 215,671 
   Non Residential Non-Owner Occupied119 — — 119 640,724 508 641,351 
   Non Residential Owner Occupied23 — — 23 210,575 2,886 213,484 
Commercial real estate626 — — 626 1,465,755 8,401 1,474,782 
Residential real estate5,177 816 — 5,993 1,578,733 2,968 1,587,694 
Home Equity575 — — 575 135,799 95 136,469 
Consumer63 50 — 113 47,575 — 47,688 
Overdrafts334 7 — 341 2,156 — 2,497 
Total$7,988 $900 $— $8,888 $3,600,999 $12,232 $3,622,119 

Troubled Debt Restructurings ("TDRs")

The Company’s policy on loan modifications typically does not allow for modifications that would be considered a concession from the Company. However, when there is a modification, the Company evaluates each modification to determine if the modification constitutes a troubled debt restructuring (“TDR”) in accordance with ASU 2011-02, whereby a modification of a loan would be considered a TDR when both of the following conditions are met: (1) a borrower is experiencing financial difficulty and (2) the modification constitutes a concession. These modifications range from partial deferrals (interest only) to full deferrals (principal and interest). When determining whether the borrower is experiencing financial difficulties, the
Company reviews whether the debtor is currently in payment default on any of its debt or whether it is probable that the debtor would be in payment default in the foreseeable future without the modification. Other indicators of financial difficulty include whether the debtor has declared or is in the process of declaring bankruptcy, the debtor’s ability to continue as a going concern, or the debtor’s projected cash flow to service its debt (including principal and interest) in accordance with the contractual terms for the foreseeable future, without a modification.

The following table sets forth the Company’s TDRs (in thousands). Substantially all of the Company's TDRs are accruing interest.
June 30, 2021December 31, 2020
Commercial and industrial$— $— 
   1-4 Family117 121 
   Hotels1,116 2,634 
   Multi-family1,843 1,883 
   Non Residential Non-Owner Occupied— — 
   Non Residential Owner Occupied— — 
Commercial real estate3,076 4,638 
Residential real estate17,788 19,226 
Home equity1,920 2,001 
Consumer203 277 
Total$22,987 $26,142 

The Company has allocated $0.3 million and $1.6 million of the allowance for credit losses for these loans as of June 30, 2021 and December 31, 2020, respectively. As of June 30, 2021, the Company has not committed to lend any additional amounts in relation to these loans.

The following table presents loans by class, modified as TDRs, that occurred during the six months ended June 30, 2021 and 2020, respectively (dollars in thousands):
June 30, 2021June 30, 2020
Pre-Post-Pre-Post-
ModificationModificationModificationModification
OutstandingOutstandingOutstandingOutstanding
Number ofRecordedRecordedNumber ofRecordedRecorded
ContractsInvestmentInvestmentContractsInvestmentInvestment
Commercial and industrial— $— $— — $— $— 
   1-4 Family— — — — — — 
   Hotels— — — — — — 
   Multi-family— — — — — — 
   Non Owner Non-Owner Occupied— — — — — — 
   Non Owner Owner Occupied— — — — — — 
Commercial real estate— — — — — — 
Residential real estate6 404 404 24 1,720 1,716 
Home equity— — — 2 70 70 
Consumer— — — — — — 
Total6 $404 $404 26 $1,790 $1,786 
The TDRs above increased the allowance for credit losses by less than $0.1 million in each of the six months ended June 30, 2021 and 2020 and resulted in no charge-offs during those same time periods.

The Company had one TDR that had a partial charge-off of $1.7 million during 2021, and no significant TDRs that subsequently defaulted in 2020.

Most TDRs above are reported due to filing Chapter 7 bankruptcy. Regulatory guidance requires that loans be accounted for as collateral-dependent loans when borrowers have filed Chapter 7 bankruptcy, the debt has been discharged by the bankruptcy court and the borrower has not reaffirmed the debt. The filing of bankruptcy is deemed to be evidence that the borrower is in financial difficulty and the discharge of debt by the bankruptcy court is deemed to be a concession granted to the borrower.

COVID-19 Pandemic

In March of 2020, in response to the COVID-19 pandemic, regulatory guidance was issued that clarified the accounting for loan modifications. Modifications of loan terms do not automatically result in a TDR. Short-term modifications made on a good faith basis in response to COVID-19 to borrowers who were current prior to any relief are not considered TDRs. This includes short-term (e.g., six months) modifications such as payment deferrals, fee waivers, extension of repayment terms, or other delays that are insignificant. Borrowers considered current are those that are less than 30 days past due on their contractual payments at the time of modification. In addition, modifications or deferrals pursuant to the CARES Act do not represent TDRs. However, these deferrals do not absolve the company from performing its normal risk rating and therefore a loan could be current and have a less than satisfactory risk rating.

Through June 30, 2021, the Company granted deferrals of approximately $144 million to its mortgage customers. These deferral arrangements ranged from 30 days to 90 days. As of June 30, 2021, approximately $2 million of these loans were still deferring, while approximately $142 million have resumed making their normal loan payment. As of June 30, 2021, approximately $4 million of these deferrals were previously and currently considered TDRs due to Chapter 7 bankruptcies.

Through June 30, 2021, the Company granted deferrals of approximately $479 million to its commercial customers. These deferral arrangements ranged from one month to six months. As of June 30, 2021, approximately $92 million of these loans related to hotel and lodging customers were still deferring, while approximately $387 million have resumed making their normal loan payment.
Credit Quality Indicators
 
All commercial loans within the portfolio are subject to internal risk rating.  All non-commercial loans are evaluated based on payment history.  The Company’s internal risk ratings for commercial loans are:  Exceptional, Good, Acceptable, Pass/Watch, Special Mention, Substandard and Doubtful.  Each internal risk rating is defined in the loan policy using the following criteria:  balance sheet yields; ratios and leverage; cash flow spread and coverage; prior history; capability of management; market position/industry; potential impact of changing economic, legal, regulatory or environmental conditions; purpose; structure; collateral support; and guarantor support.  Risk grades are generally assigned by the primary lending officer and are periodically evaluated by the Company’s internal loan review process.  Based on an individual loan’s risk grade, estimated loss percentages are applied to the outstanding balance of the loan to determine the amount of expected loss.
 
The Company categorizes loans into risk categories based on relevant information regarding the customer’s debt service ability, capacity and overall collateral position, along with other economic trends and historical payment performance.  The risk rating for each credit is updated when the Company receives current financial information, the loan is reviewed by the Company’s internal loan review and credit administration departments, or the loan becomes delinquent or impaired.  The risk grades are updated a minimum of annually for loans rated Exceptional, Good, Acceptable, or Pass/Watch.  Loans rated Special Mention, Substandard or Doubtful are reviewed at least quarterly.  The Company uses the following definitions for its risk ratings:
Risk RatingDescription
Pass Ratings:
(a) ExceptionalLoans classified as exceptional are secured with liquid collateral conforming to the internal loan policy.  Loans rated within this category pose minimal risk of loss to the bank.
(b) GoodLoans classified as good have similar characteristics that include a strong balance sheet, satisfactory debt service coverage ratios, strong management and/or guarantors, and little exposure to economic cycles. Loans in this category generally have a low chance of loss to the bank.
(c) AcceptableLoans classified as acceptable have acceptable liquidity levels, adequate debt service coverage ratios, experienced management, and have average exposure to economic cycles.  Loans within this category generally have a low risk of loss to the bank.
(d) Pass/watchLoans classified as pass/watch have erratic levels of leverage and/or liquidity, cash flow is volatile and the borrower is subject to moderate economic risk.  A borrower in this category poses a low to moderate risk of loss to the bank.
Special mentionLoans classified as special mention have a potential weakness(es) that deserves management’s close attention.  The potential weakness could result in deterioration of the loan repayment or the bank’s credit position at some future date.  A loan rated in this category poses a moderate loss risk to the bank.
SubstandardLoans classified as substandard reflect a customer with a well defined weakness that jeopardizes the liquidation of the debt.  Loans in this category have the possibility that the bank will sustain some loss if the deficiencies are not corrected and the bank’s collateral value is weakened by the financial deterioration of the borrower.
DoubtfulLoans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristics that make collection of the full contract amount highly improbable.  Loans rated in this category are most likely to cause the bank to have a loss due to a collateral shortfall or a negative capital position.
Based on the most recent analysis performed, the risk category of loans by class of loans at June 30, 2021 is as follows (in thousands):
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20212020201920182017PriorCost BasisTotal
Commercial and industrial
Pass$59,635 $77,375 $47,007 $52,751 $26,977 $18,105 $68,518 $350,368 
Special mention— 511 21 7 35 — 186 760 
Substandard219 847 1,418 791 437 1,938 1,805 7,455 
Total$59,854 $78,733 $48,446 $53,549 $27,449 $20,043 $70,509 $358,583 
Commercial real estate -
1-4 Family
Pass$12,724 $19,026 $12,928 $6,881 $4,941 $33,556 $11,771 $101,827 
Special mention— 290 — — — 602 — 892 
Substandard— 117 324 — 739 4,180 — 5,360 
Total$12,724 $19,433 $13,252 $6,881 $5,680 $38,338 $11,771 $108,079 
Commercial real estate -
Hotels
Pass$1,978 $20,950 $85,967 $26,152 $41,848 $48,645 $— $225,540 
Special mention— 114 8,943 — — 8,611 — 17,668 
Substandard68 483 15,413 — 6,912 23,801 234 46,911 
Total$2,046 $21,547 $110,323 $26,152 $48,760 $81,057 $234 $290,119 
Commercial real estate -
Multi-family
Pass$6,482 $80,101 $55,201 $2,335 $20,152 $45,009 $1,521 $210,801 
Special mention— — 1,843 — — — — 1,843 
Substandard— — — — — 71 — 71 
Total$6,482 $80,101 $57,044 $2,335 $20,152 $45,080 $1,521 $212,715 
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20212020201920182017PriorCost BasisTotal
Commercial real estate -
Non Residential Non-Owner Occupied
Pass$60,049 $155,753 $92,616 $110,794 $49,039 $167,195 $9,418 $644,864 
Special mention124 189 192 262 278 189 — 1,234 
Substandard898 557 1,382 1,389 30 2,910 — 7,166 
Total$61,071 $156,499 $94,190 $112,445 $49,347 $170,294 $9,418 $653,264 
Commercial real estate -
Non Residential Owner Occupied
Pass$26,857 $29,480 $25,433 $23,499 $18,813 $51,953 $4,412 $180,447 
Special mention— 30 2,829 48 329 2,677 — 5,913 
Substandard202 116 4,250 670 6,048 11,454 — 22,740 
Total$27,059 $29,626 $32,512 $24,217 $25,190 $66,084 $4,412 $209,100 
Commercial real estate -
Total
Pass$108,089 $305,309 $272,144 $169,661 $134,792 $346,357 $27,130 $1,363,482 
Special mention124 623 13,807 310 606 12,079 — 27,549 
Substandard1,168 1,273 21,368 2,059 13,729 42,415 234 82,246 
Total$109,381 $307,205 $307,319 $172,030 $149,127 $400,851 $27,364 $1,473,277 
Residential real estate
Performing$164,523 $371,421 $186,802 $138,754 $106,784 $442,449 $107,886 $1,518,619 
Non-performing— — — 41 227 580 1,635 2,483 
Total$164,523 $371,421 $186,802 $138,795 $107,011 $443,029 $109,521 $1,521,102 
Home equity
Performing$4,497 $7,926 $4,998 $3,870 $1,757 $11,196 $93,283 $127,527 
Non-performing— — — — — — 81 81 
Total$4,497 $7,926 $4,998 $3,870 $1,757 $11,196 $93,364 $127,608 
Consumer
Performing$8,680 $12,654 $11,344 $6,948 $2,163 $1,663 $1,732 $45,184 
Non-performing— — — — — — — — 
Total$8,680 $12,654 $11,344 $6,948 $2,163 $1,663 $1,732 $45,184 
Based on the most recent analysis performed, the risk category of loans by class of loans at December 31, 2020 is as follows (in thousands):
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20202019201820172016PriorCost BasisTotal
Commercial and industrial
Pass$123,920 $51,972 $59,152 $30,440 $16,673 $6,942 $75,018 $364,117 
Special mention72 27 13 47 — 433 508 1,100 
Substandard783 1,553 918 589 268 1,733 1,928 7,772 
Total$124,775 $53,552 $60,083 $31,076 $16,941 $9,108 $77,454 $372,989 
Commercial real estate -
1-4 Family
Pass$19,970 $17,540 $8,217 $7,444 $6,158 $33,075 $10,274 $102,678 
Special mention192 — — — 159 753 — 1,104 
Substandard119 343 — 863 102 4,603 — 6,030 
Total$20,281 $17,883 $8,217 $8,307 $6,419 $38,431 $10,274 $109,812 
Commercial real estate -
Hotels
Pass$23,886 $95,269 $26,206 $42,593 $21,490 $43,686 $— $253,130 
Substandard343 15,412 — 6,750 4,465 14,364 — 41,334 
Total$24,229 $110,681 $26,206 $49,343 $25,955 $58,050 $— $294,464 
Commercial real estate -
Multi-family
Pass$81,127 $56,371 $2,688 $20,730 $23,873 $27,009 $1,363 $213,161 
Special mention— 1,883 551 — — — — 2,434 
Substandard— — — — — 76 — 76 
Total$81,127 $58,254 $3,239 $20,730 $23,873 $27,085 $1,363 $215,671 
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20202019201820172016PriorCost BasisTotal
Commercial real estate -
Non Residential Non-Owner Occupied
Pass$155,937 $101,011 $115,524 $51,329 $76,219 $125,349 $8,825 $634,194 
Special mention16 504 592 37 — 147 — 1,296 
Substandard580 1,385 1,159 52 1,187 1,338 160 5,861 
Total$156,533 $102,900 $117,275 $51,418 $77,406 $126,834 $8,985 $641,351 
Commercial real estate -
Non Residential Owner Occupied
Pass$31,443 $26,685 $26,403 $20,582 $20,032 $50,988 $5,098 $181,231 
Special mention234 2,901 53 90 — 2,470 — 5,748 
Substandard117 5,084 696 6,069 3,820 10,557 162 26,505 
Total$31,794 $34,670 $27,152 $26,741 $23,852 $64,015 $5,260 $213,484 
Commercial real estate -
Total
Pass$312,363 $296,876 $179,038 $142,678 $147,772 $280,107 $25,560 $1,384,394 
Special mention442 5,288 1,196 127 159 3,370 — 10,582 
Substandard1,159 22,224 1,855 13,734 9,574 30,938 322 79,806 
Total$313,964 $324,388 $182,089 $156,539 $157,505 $314,415 $25,882 $1,474,782 
Residential real estate
Performing$407,135 $233,709 $176,523 $134,425 $102,828 $416,473 $113,633 $1,584,726 
Non-performing— — — 164 41 1,184 1,579 2,968 
Total$407,135 $233,709 $176,523 $134,589 $102,869 $417,657 $115,212 $1,587,694 
Home equity
Performing$9,038 $6,241 $5,375 $2,126 $1,309 $11,573 $100,712 $136,374 
Non-performing— — — — — — 95 95 
Total$9,038 $6,241 $5,375 $2,126 $1,309 $11,573 $100,807 $136,469 
Consumer
Performing$15,342 $14,977 $9,229 $3,154 $1,688 $1,422 $1,876 $47,688 
Non-performing— — — — — — — — 
Total$15,342 $14,977 $9,229 $3,154 $1,688 $1,422 $1,876 $47,688