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Loans
 12 Months Ended
Dec. 31, 2021
Loans [Abstract]  
Loans
5.          Loans

A summary of loans, net of deferred fees and origination costs, by category is as follows:

 
At December 31,
  
(In thousands)
  
2021
    
2020
  
Commercial
  
$
1,489,414
    
$
1,451,560
  
Commercial real estate
    
2,321,193
      
2,196,477
  
Paycheck protection program
    
101,222
      
430,810
  
Residential real estate
    
1,571,232
      
1,466,662
  
Indirect auto
    
859,454
      
931,286
  
Specialty lending
    
778,291
      
579,644
  
Home equity
    
330,357
      
387,974
  
Other consumer
    
47,296
      
54,472
  
Total loans
  
$
7,498,459
    
$
7,498,885
  

Included in the above loans are net deferred loan origination (fees) costs totaling $(23.7) million and $9.4 million at December 31, 2021 and 2020, respectively. The Company had $0.8 million and $1.1 million of residential loans held for sale as of December 31, 2021 and  2020 respectively.

The total amount of loans serviced by the Company for unrelated third parties was $575.9 million and $614.5 million at December 31, 2021 and 2020, respectively. At December 31, 2021 and 2020, the Company had $1.0 million and $1.3 million, respectively, of mortgage servicing rights. The amortization of mortgage servicing rights was $0.2 million, $0.3 million, and $0.4 million for the years ended December 31, 2021, 2020 and 2019, respectively. In addition, as of December 31, 2021 and 2020, the Company serviced Springstone consumer loans of $11.4 million and $11.8 million, respectively.

At December 31, 2021 and 2020, the Company serviced $25.6 million and $25.7 million, respectively, of agricultural loans sold with recourse. Due to sufficient collateral on these loans and government guarantees, no reserve is considered necessary at December 31, 2021 and 2020.

FHLB advances are collateralized by a blanket lien on the Company’s residential real estate mortgages.

In the ordinary course of business, the Company has made loans at prevailing rates and terms to directors, officers and other related parties. Such loans, in management’s opinion, do not present more than the normal risk of collectability or incorporate other unfavorable features. The aggregate amount of loans outstanding to qualifying related parties and changes during the years are summarized as follows:

(In thousands)
  
2021
    
2020
  
Balance at January 1
  
$
5,936
    
$
2,166
  
New loans
    
182
      
1,524
  
Adjustment due to change in composition of related parties
    
(683
)
    
2,448
  
Repayments
    
(2,143
)
    
(202
)
Balance at December 31
  
$
3,292
    
$
5,936