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Allowance For Credit Losses (Tables)
 3 Months Ended
Mar. 31, 2022
Receivables [Abstract]  
Financing Receivable, Nonaccrual
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 March 31, 2022 (in thousands):
Non-accrual With NoNon-accrual WithLoans Past Due
Allowance forAllowance forOver 90 Days
Credit LossesCredit LossesStill Accruing
Commercial & Industrial$138 $931 $— 
   1-4 Family— 997 — 
   Hotels— 113 — 
   Multi-family— — — 
   Non Residential Non-Owner Occupied— 685 — 
   Non Residential Owner Occupied— 446 — 
Commercial Real Estate— 2,241 — 
Residential Real Estate63 1,723 — 
Home Equity— 99 21 
Consumer— — — 
Total$201 $4,994 $21 
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, 2021 (in thousands):

Non-accrual With NoNon-accrual WithLoans Past Due
Allowance forAllowance forOver 90 Days
Credit LossesCredit LossesStill Accruing
Commercial & Industrial$— $996 $43 
   1-4 Family— 1,016 — 
   Hotels— 113 — 
   Multi-family— — — 
   Non Residential Non-Owner Occupied— 652 — 
   Non Residential Owner Occupied— 592 — 
Commercial Real Estate— 2,373 — 
Residential Real Estate63 2,746 — 
Home Equity— 40 — 
Consumer— — — 
Total$63 $6,155 $43 
Financing Receivable, Past Due
The following tables present the aging of the amortized cost basis in past-due loans as of March 31, 2022 and December 31, 2021 by class of loan (in thousands):
March 31, 2022
30-5960-8990+TotalCurrentNon-Total
Past DuePast DuePast DuePast DueLoansaccrualLoans
Commercial and industrial$56 $— $— $56 $336,259 $1,069 $337,384 
   1-4 Family310 — — 310 107,117 997 108,424 
   Hotels— — — — 314,789 113 314,902 
   Multi-family— — — — 209,359 — 209,359 
   Non Residential Non-Owner Occupied434 — — 434 635,973 685 637,092 
   Non Residential Owner Occupied— — — — 199,734 446 200,180 
Commercial real estate744 — — 744 1,466,972 2,241 1,469,957 
Residential real estate4,740 236 — 4,976 1,582,098 1,786 1,588,860 
Home Equity442 42 21 505 120,856 99 121,460 
Consumer32 — — 32 39,746 — 39,778 
Overdrafts332 60 — 392 2,074 — 2,466 
Total$6,346 $338 $21 $6,705 $3,548,005 $5,195 $3,559,905 

December 31, 2021
30-5960-8990+TotalCurrentNon-Total
Past DuePast DuePast DuePast DueLoansaccrualLoans
Commercial and industrial$116 $177 $43 $336 $344,852 $996 $346,184 
   1-4 Family21 — — 21 106,836 1,016 107,873 
   Hotels— — — — 311,202 113 311,315 
   Multi-family— — — — 215,677 — 215,677 
   Non Residential Non-Owner Occupied— — — — 639,166 652 639,818 
   Non Residential Owner Occupied— — — — 203,641 592 204,233 
Commercial real estate21 — — 21 1,476,522 2,373 1,478,916 
Residential real estate5,166 156 — 5,322 1,540,834 2,809 1,548,965 
Home Equity592 26 — 618 121,687 40 122,345 
Consumer59 1 — 60 40,841 — 40,901 
Overdrafts485 4 — 489 6,014 — 6,503 
Total$6,439 $364 $43 $6,846 $3,530,750 $6,218 $3,543,814 
Financing Receivable, Troubled Debt Restructuring
The following table sets forth the Company’s TDRs (in thousands). Substantially all of the Company's TDRs are accruing interest.
March 31, 2022December 31, 2021
Commercial and industrial$397 $414 
   1-4 Family109 112 
   Hotels— — 
   Multi-family1,781 1,802 
   Non Residential Non-Owner Occupied— — 
   Non Residential Owner Occupied— — 
Commercial real estate1,890 1,914 
Residential real estate16,182 16,943 
Home equity1,694 1,784 
Consumer194 225 
Total$20,357 $21,280 
The following table presents loans by class, modified as TDRs, that occurred during the three months ended
March 31, 2022 and 2021, respectively (dollars in thousands):
March 31, 2022March 31, 2021
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 estate3 326 326 3 154 154 
Home equity— — — — — — 
Consumer— — — — — — 
Total3 $326 $326 3 $154 $154 
Financing Receivable, Credit Quality Indicators
Based on the most recent analysis performed, the risk category of loans by class of loans at March 31, 2022 is as follows (in thousands):
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20222021202020192018PriorCost BasisTotal
Commercial and industrial
Pass$11,848 $96,310 $78,015 $40,495 $25,796 $11,612 $63,174 $327,250 
Special mention— 2 461 12 — 21 3,348 3,844 
Substandard— 224 1,632 1,439 439 1,835 721 6,290 
Total$11,848 $96,536 $80,108 $41,946 $26,235 $13,468 $67,243 $337,384 
Commercial real estate -
1-4 Family
Pass$8,038 $24,740 $14,703 $10,247 $5,856 $30,235 $10,445 $104,264 
Special mention— — 120 — — 707 — 827 
Substandard— — 273 153 — 2,907 — 3,333 
Total$8,038 $24,740 $15,096 $10,400 $5,856 $33,849 $10,445 $108,424 
Commercial real estate -
Hotels
Pass$14,042 $37,616 $16,133 $68,712 $21,051 $88,940 $229 $246,723 
Special mention— — — 24,682 — — — 24,682 
Substandard133 372 — 15,327 — 27,665 — 43,497 
Total$14,175 $37,988 $16,133 $108,721 $21,051 $116,605 $229 $314,902 
Commercial real estate -
Multi-family
Pass$2,927 $21,687 $69,256 $52,692 $2,246 $58,120 $587 $207,515 
Special mention— — — 1,781 — — — 1,781 
Substandard— — — — — 63 — 63 
Total$2,927 $21,687 $69,256 $54,473 $2,246 $58,183 $587 $209,359 
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20222021202020192018PriorCost BasisTotal
Commercial real estate -
Non Residential Non-Owner Occupied
Pass$19,114 $142,855 $131,657 $78,366 $98,815 $156,784 $3,050 $630,641 
Special mention— 116 180 184 — 136 — 616 
Substandard— 667 11 1,356 2,077 1,724 — 5,835 
Total$19,114 $143,638 $131,848 $79,906 $100,892 $158,644 $3,050 $637,092 
Commercial real estate -
Non Residential Owner Occupied
Pass$5,849 $45,949 $28,013 $26,747 $19,311 $52,974 $2,819 $181,662 
Special mention— — 30 353 40 842 — 1,265 
Substandard984 198 113 2,258 621 12,305 774 17,253 
Total$6,833 $46,147 $28,156 $29,358 $19,972 $66,121 $3,593 $200,180 
Commercial real estate -
Total
Pass$49,970 $272,847 $259,762 $236,764 $147,279 $387,053 $17,130 $1,370,805 
Special mention— 116 330 27,000 40 1,685 — 29,171 
Substandard1,117 1,237 397 19,094 2,698 44,664 774 69,981 
Total$51,087 $274,200 $260,489 $282,858 $150,017 $433,402 $17,904 $1,469,957 
Residential real estate
Performing$118,349 $367,840 $304,894 $145,177 $101,772 $449,528 $99,512 $1,587,072 
Non-performing— 204 — 231 15 973 365 1,788 
Total$118,349 $368,044 $304,894 $145,408 $101,787 $450,501 $99,877 $1,588,860 
Home equity
Performing$2,961 $8,608 $5,927 $3,429 $2,822 $8,990 $88,624 $121,361 
Non-performing— — — — — — 99 99 
Total$2,961 $8,608 $5,927 $3,429 $2,822 $8,990 $88,723 $121,460 
Consumer
Performing$4,485 $12,160 $8,295 $6,968 $3,983 $2,453 $1,434 $39,778 
Non-performing— — — — — — — — 
Total$4,485 $12,160 $8,295 $6,968 $3,983 $2,453 $1,434 $39,778 
Based on the most recent analysis performed, the risk category of loans by class of loans at December 31, 2021 is as follows (in thousands):
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20212020201920182017PriorCost BasisTotal
Commercial and industrial
Pass$87,148 $82,946 $41,908 $27,355 $23,895 $6,755 $65,775 $335,782 
Special mention3 480 17 — 21 — 3,324 3,845 
Substandard319 1,531 1,574 510 395 1,550 678 6,557 
Total$87,470 $84,957 $43,499 $27,865 $24,311 $8,305 $69,777 $346,184 
Commercial real estate -
1-4 Family
Pass$26,425 $16,163 $10,659 $6,208 $4,250 $28,734 $10,877 $103,316 
Special mention— 122 — — — 718 — 840 
Substandard— 276 158 — 722 2,561 — 3,717 
Total$26,425 $16,561 $10,817 $6,208 $4,972 $32,013 $10,877 $107,873 
Commercial real estate -
Hotels
Pass$38,197 $16,183 $64,107 $21,222 $41,526 $55,895 $279 $237,409 
Special mention103 — 29,914 — — — — 30,017 
Substandard398 140 15,413 — 5,601 22,337 — 43,889 
Total$38,698 $16,323 $109,434 $21,222 $47,127 $78,232 $279 $311,315 
Commercial real estate -
Multi-family
Pass$20,434 $78,837 $53,033 $2,264 $19,783 $38,918 $540 $213,809 
Special mention— — 1,802 — — — — 1,802 
Substandard— — — — — 66 — 66 
Total$20,434 $78,837 $54,835 $2,264 $19,783 $38,984 $540 $215,677 
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
20212020201920182017PriorCost BasisTotal
Commercial real estate -
Non Residential Non-Owner Occupied
Pass$144,927 $135,423 $85,296 $99,618 $33,770 $130,342 $2,655 $632,031 
Special mention119 183 186 257 — 138 — 883 
Substandard640 16 1,365 2,134 22 2,727 — 6,904 
Total$145,686 $135,622 $86,847 $102,009 $33,792 $133,207 $2,655 $639,818 
Commercial real estate -
Non Residential Owner Occupied
Pass$46,445 $28,535 $25,647 $22,197 $15,296 $37,806 $2,509 $178,435 
Special mention— 30 2,744 42 319 2,294 — 5,429 
Substandard199 114 2,372 634 6,677 9,503 870 20,369 
Total$46,644 $28,679 $30,763 $22,873 $22,292 $49,603 $3,379 $204,233 
Commercial real estate -
Total
Pass$276,429 $275,141 $238,742 $151,509 $114,626 $291,696 $16,860 $1,365,003 
Special mention222 334 34,647 299 319 3,151 — 38,972 
Substandard1,238 546 19,308 2,769 13,023 37,191 866 74,941 
Total$277,889 $276,021 $292,697 $154,577 $127,968 $332,038 $17,726 $1,478,916 
Residential real estate
Performing$375,465 $326,107 $155,829 $110,551 $87,870 $389,519 $100,815 $1,546,156 
Non-performing— — 232 29 120 692 1,736 2,809 
Total$375,465 $326,107 $156,061 $110,580 $87,990 $390,211 $102,551 $1,548,965 
Home equity
Performing$9,008 $6,474 $3,582 $2,949 $1,431 $8,176 $90,685 $122,305 
Non-performing— — — — — — 40 40 
Total$9,008 $6,474 $3,582 $2,949 $1,431 $8,176 $90,725 $122,345 
Consumer
Performing$13,584 $9,545 $8,313 $4,920 $1,324 $1,624 $1,591 $40,901 
Non-performing— — — — — — — — 
Total$13,584 $9,545 $8,313 $4,920 $1,324 $1,624 $1,591 $40,901