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Allowance For Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2022
Receivables [Abstract]  
Financing Receivable, Allowance for Credit Loss
Beginning BalanceCharge-offsRecoveries(Recovery of) provision for credit lossesEnding Balance
Six months ended June 30, 2022
Commercial and industrial$3,480 $(34)$91 $(18)$3,519 
   1-4 Family598 (24)34 (34)574 
   Hotels2,426 — — 82 2,508 
   Multi-family483 — — (23)460 
   Non Residential Non-Owner Occupied2,319 — 44 (267)2,096 
   Non Residential Owner Occupied1,485 — — (90)1,395 
Commercial real estate7,311 (24)78 (332)7,033 
Residential real estate5,716 (106)49 (665)4,994 
Home equity517 (19)20 (180)338 
Consumer106 (32)47 (43)78 
DDA overdrafts1,036 (1,235)770 482 1,053 
$18,166 $(1,450)$1,055 $(756)$17,015 
Six months ended June 30, 2021
Commercial and industrial$3,644 $(245)$71 $(114)$3,356 
  1-4 Family771 (35)93 (132)697 
  Hotels3,347 (1,683)— (176)1,488 
  Multi-family674 — — (112)562 
  Non Residential Non-Owner Occupied3,223 (1)37 (250)3,009 
  Non Residential Owner Occupied2,982 — 49 (420)2,611 
Commercial real estate10,997 (1,719)179 (1,090)8,367 
Residential real estate8,093 (179)91 (1,214)6,791 
Home equity630 (72)26 (116)468 
Consumer163 (226)143 165 245 
DDA Overdrafts1,022 (883)721 (71)789 
$24,549 $(3,324)$1,231 $(2,440)$20,016 
Beginning BalanceCharge-offsRecoveries(Recovery of) provision for credit lossesEnding Balance
Three months ended June 30, 2022
Commercial and industrial$3,458 $— $32 $29 $3,519 
   1-4 Family574 (24)5 19 574 
   Hotels2,545 — — (37)2,508 
   Multi-family477 — — (17)460 
   Non Residential Non-Owner Occupied2,281 — 20 (205)2,096 
   Non Residential Owner Occupied1,382 — — 13 1,395 
Commercial real estate7,259 (24)25 (227)7,033 
Residential real estate5,039 (56)4 7 4,994 
Home equity410 (19)3 (56)338 
Consumer86 (9)19 (18)78 
DDA overdrafts1,028 (604)364 265 1,053 
$17,280 $(712)$447 $— $17,015 
Three months ended June 30, 2021
Commercial and industrial$3,525 $(211)$25 $17 $3,356 
  1-4 Family749 (35)9 (26)697 
  Hotels3,181 (1,683)— (10)1,488 
  Multi-family658 — — (96)562 
  Non Residential Non-Owner Occupied3,487 — 6 (484)3,009 
  Non Residential Owner Occupied2,792 — — (181)2,611 
Commercial real estate10,867 (1,718)15 (797)8,367 
Residential real estate8,060 (86)17 (1,200)6,791 
Home equity608 (8)3 (135)468 
Consumer151 (79)104 69 245 
DDA Overdrafts865 (430)308 46 789 
$24,076 $(2,532)$472 $(2,000)$20,016 
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 June 30, 2022 (in thousands):
Non-accrual With NoNon-accrual WithLoans Past Due
Allowance forAllowance forOver 90 Days
Credit LossesCredit LossesStill Accruing
Commercial & Industrial$125 $1,235 $— 
   1-4 Family— 1,453 — 
   Hotels— 113 — 
   Multi-family— — — 
   Non Residential Non-Owner Occupied— 868 — 
   Non Residential Owner Occupied— 349 — 
Commercial Real Estate— 2,783 — 
Residential Real Estate272 1,289 58 
Home Equity— 54 — 
Consumer— — — 
Total$397 $5,361 $58 
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 June 30, 2022 and December 31, 2021 by class of loan (in thousands):
June 30, 2022
30-5960-8990+TotalCurrentNon-Total
Past DuePast DuePast DuePast DueLoansaccrualLoans
Commercial and industrial$130 $— $— $130 $358,990 $1,361 $360,481 
   1-4 Family46 — — 46 107,266 1,453 108,765 
   Hotels— — — — 337,797 113 337,910 
   Multi-family— — — — 203,856 — 203,856 
   Non Residential Non-Owner Occupied— — — — 550,372 868 551,240 
   Non Residential Owner Occupied— — — — 179,839 349 180,188 
Commercial real estate46 — — 46 1,379,130 2,783 1,381,959 
Residential real estate4,666 574 58 5,298 1,644,146 1,561 1,651,005 
Home Equity247 35 — 282 125,406 54 125,742 
Consumer49 — — 49 44,531 — 44,580 
Overdrafts426 5 — 431 2,560 — 2,991 
Total$5,564 $614 $58 $6,236 $3,554,763 $5,759 $3,566,758 

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.
June 30, 2022December 31, 2021
Commercial and industrial$381 $414 
   1-4 Family107 112 
   Hotels— — 
   Multi-family— 1,802 
   Non Residential Non-Owner Occupied— — 
   Non Residential Owner Occupied— — 
Commercial real estate107 1,914 
Residential real estate16,022 16,943 
Home equity1,649 1,784 
Consumer80 225 
Total18,239 $21,280 
The following table presents loans by class, modified as TDRs, that occurred during the three and six months ended
June 30, 2022 and 2021, respectively (dollars in thousands):
Three Months Ended
June 30, 2022June 30, 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 estate5 585 585 6 404 404 
Home equity1 30 30 — — — 
Consumer— — — — — — 
Total6 $615 $615 6 $404 $404 
Six Months Ended
June 30, 2022June 30, 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 estate8 911 911 9 558 558 
Home equity1 30 30 — — — 
Consumer— — — — — — 
Total9 $941 $941 9 $558 $558 
Financing Receivable, Credit Quality Indicators
Based on the most recent analysis performed, the risk category of loans by class of loans at June 30, 2022 is as follows (in thousands):
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
June 30, 202220222021202020192018PriorCost BasisTotal
Commercial and industrial
Pass$30,359 $93,159 $65,730 $28,957 $24,397 $12,088 $95,930 $350,620 
Special mention— — 443 11 — 20 3,200 3,674 
Substandard965 591 624 1,366 345 1,647 649 6,187 
Total$31,324 $93,750 $66,797 $30,334 $24,742 $13,755 $99,779 $360,481 
December 31, 202120212020201920182017Prior
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 
June 30, 202220222021202020192018Prior
Commercial real estate -
1-4 Family
Pass$15,142 $23,223 $13,592 $9,281 $5,563 $27,638 $10,861 $105,300 
Special mention233 — 118 — — 378 — 729 
Substandard89 — 269 70 — 2,308 — 2,736 
Total$15,464 $23,223 $13,979 $9,351 $5,563 $30,324 $10,861 $108,765 
December 31, 202120212020201920182017Prior
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 
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
June 30, 202220222021202020192018PriorCost BasisTotal
Commercial real estate -
Hotels
Pass$59,931 $37,348 $12,633 $63,529 $20,880 $87,984 $206 $282,511 
Special mention— — — 24,533 — — — 24,533 
Substandard127 58 3,289 — — 27,392 — 30,866 
Total$60,058 $37,406 $15,922 $88,062 $20,880 $115,376 $206 $337,910 
December 31, 202120212020201920182017Prior
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 
June 30, 202220222021202020192018Prior
Commercial real estate -
Multi-family
Pass$9,421 $22,050 $68,455 $49,217 $2,226 $51,987 $440 $203,796 
Special mention— — — — — — — — 
Substandard— — — — — 60 — 60 
Total$9,421 $22,050 $68,455 $49,217 $2,226 $52,047 $440 $203,856 
December 31, 202120212020201920182017Prior
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
June 30, 202220222021202020192018PriorCost BasisTotal
Commercial real estate -
Non Residential Non-Owner Occupied
Pass$31,974 $115,045 $100,322 $76,011 $90,867 $127,579 $2,923 $544,721 
Special mention— 114 177 181 — 132 — 604 
Substandard— 645 6 1,348 2,214 1,702 — 5,915 
Total$31,974 $115,804 $100,505 $77,540 $93,081 $129,413 $2,923 $551,240 
December 31, 202120212020201920182017Prior
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 
June 30, 202220222021202020192018Prior
Commercial real estate -
Non Residential Owner Occupied
Pass$8,136 $38,028 $18,192 $25,935 $18,675 $49,917 $3,064 $161,947 
Special mention— — — 349 — 815 114 1,278 
Substandard975 196 112 2,187 608 11,893 992 16,963 
Total$9,111 $38,224 $18,304 $28,471 $19,283 $62,625 $4,170 $180,188 
December 31, 202120212020201920182017Prior
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 
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
June 30, 202220222021202020192018PriorCost BasisTotal
Commercial real estate -
Total
Pass$124,604 $235,694 $213,194 $223,973 $138,211 $345,105 $17,494 $1,298,275 
Special mention233 114 295 25,063 — 1,325 114 27,144 
Substandard1,191 899 3,676 3,605 2,822 43,355 992 56,540 
Total$126,028 $236,707 $217,165 $252,641 $141,033 $389,785 $18,600 $1,381,959 
December 31, 202120212020201920182017Prior
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 
June 30, 202220222021202020192018Prior
Residential real estate
Performing$262,192 $356,382 $289,758 $132,534 $93,352 $418,528 $96,698 $1,649,444 
Non-performing— 204 — 224 37 828 268 1,561 
Total$262,192 $356,586 $289,758 $132,758 $93,389 $419,356 $96,966 $1,651,005 
December 31, 202120212020201920182017Prior
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 
June 30, 202220222021202020192018Prior
Home equity
Performing$8,025 $8,142 $5,524 $3,265 $2,595 $8,623 $89,514 $125,688 
Non-performing— — — — — — 54 54 
Total$8,025 $8,142 $5,524 $3,265 $2,595 $8,623 $89,568 $125,742 
December 31, 202120212020201920182017Prior
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 
Revolving
Term LoansLoans
Amortized Cost Basis by Origination Year and Risk LevelAmortized
June 30, 202220222021202020192018PriorCost BasisTotal
Consumer
Performing$10,140 $10,184 $7,105 $5,803 $3,265 $6,738 $1,345 $44,580 
Non-performing— — — — — — — — 
Total$10,140 $10,184 $7,105 $5,803 $3,265 $6,738 $1,345 $44,580 
December 31, 202120212020201920182017Prior
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