CREDIT QUALITY ASSESSMENT (Tables)

3 Months Ended

Mar. 31, 2021

Credit Loss [Abstract]

Summary Information On The Allowance For Credit Loss Activity

Summary information on the allowance for credit loss activity for the period indicated is provided in the following table:

	Three Months Ended March 31,
(In thousands)	2021		2020
Balance at beginning of period	$	165,367	$	56,132
Initial allowance on PCD loans at adoption of ASC 326	—		2,762
Transition impact of adopting ASC 326	—		2,983
Provision for credit losses	(34,708)		24,469
Loan charge-offs	(743)		(654)
Loan recoveries	445		108
Net charge-offs	(298)		(546)
Balance at period end	$	130,361	$	85,800

Activity in Allowance for Credit Losses or Loan and Lease Losses by Respective Loan Portfolio Segment

The following table provides summary information regarding collateral dependent loans individually evaluated for credit loss at the dates indicated:

(In thousands)	March 31, 2021		December 31, 2020
Collateral dependent loans individually evaluated for credit loss with an allowance	$	32,241	$	20,717
Collateral dependent loans individually evaluated for credit loss without an allowance	49,757		77,001
Total individually evaluated collateral dependent loans	$	81,998	$	97,718
Allowance for credit losses related to loans evaluated individually	$	13,101	$	11,405
Allowance for credit losses related to loans evaluated collectively	117,260		153,962
Total allowance for credit losses	$	130,361	$	165,367

The following tables provide information on the activity in the allowance for credit losses by the respective loan portfolio segment for the period indicated:

 

	For the Three Months Ended March 31, 2021
	Commercial Real Estate												Residential Real Estate
(Dollars in thousands)	Commercial Investor R/E			Commercial Owner- Occupied R/E			Commercial AD&C			Commercial Business			Residential Mortgage			Residential Construction			Consumer			Total
Balance at beginning of period	$	57,404		$	20,061		$	22,157		$	46,806		$	11,295		$	1,502		$	6,142		$	165,367
Provision for credit losses	(8,981)			(5,594)			760			(14,343)			(4,018)			(849)			(1,683)			(34,708)
Charge-offs	—			—			—			(650)			—			—			(93)			(743)
Recoveries	27			—			—			16			270			—			132			445
Net recoveries (charge-offs)	27			—			—			(634)			270			—			39			(298)
Balance at end of period	$	48,450		$	14,467		$	22,917		$	31,829		$	7,547		$	653		$	4,498		$	130,361
Total loans	$	3,652,418		$	1,644,848		$	1,051,013		$	2,411,109		$	1,022,546		$	171,028		$	493,904		$	10,446,866
Allowance for credit losses to total loans ratio	1.33		%	0.88		%	2.18		%	1.32		%	0.74		%	0.38		%	0.91		%	1.25		%
Balance of loans individually evaluated for credit loss	$	42,776		$	8,316		$	14,975		$	13,831		$	1,737		$	—		$	363		$	81,998
Allowance related to loans evaluated individually	$	2,988		$	—		$	603		$	9,510		$	—		$	—		$	—		$	13,101
Individual allowance to loans evaluated individually ratio	6.99		%	—		%	4.03		%	68.76		%	—		%	—		%	—		%	15.98		%
Balance of loans collectively evaluated for credit loss	$	3,609,642		$	1,636,532		$	1,036,038		$	2,397,278		$	1,020,809		$	171,028		$	493,541		$	10,364,868
Allowance related to loans evaluated collectively	$	45,462		$	14,467		$	22,314		$	22,319		$	7,547		$	653		$	4,498		$	117,260
Collective allowance to loans evaluated collectively ratio	1.26		%	0.88		%	2.15		%	0.93		%	0.74		%	0.38		%	0.91		%	1.13		%

	For the Year Ended December 31, 2020
	Commercial Real Estate												Residential Real Estate
(Dollars in thousands)	Commercial Investor R/E			Commercial Owner- Occupied R/E			Commercial AD&C			Commercial Business			Residential Mortgage			Residential Construction			Consumer			Total
Balance at beginning of period	$	18,407		$	6,884		$	7,590		$	11,395		$	8,803		$	967		$	2,086		$	56,132
Initial allowance on PCD loans at adoption of ASC 326	1,114			—			—			1,549			—			—			99			2,762
Transition impact of adopting ASC 326	(3,125)			387			2,576			2,988			(388)			(275)			820			2,983
Initial allowance on acquired Revere PCD loans	7,973			2,782			1,248			6,289			243			6			87			18,628
Provision for credit losses	33,431			10,008			10,743			24,374			3,016			798			3,299			85,669
Charge-offs	(411)			—			—			(491)			(484)			—			(433)			(1,819)
Recoveries	15			—			—			702			105			6			184			1,012
Net recoveries (charge-offs)	(396)			—			—			211			(379)			6			(249)			(807)
Balance at end of period	$	57,404		$	20,061		$	22,157		$	46,806		$	11,295		$	1,502		$	6,142		$	165,367
Total loans	$	3,634,720		$	1,642,216		$	1,050,973		$	2,267,548		$	1,105,179		$	182,619		$	517,254		$	10,400,509
Allowance for credit losses to total loans ratio	1.58		%	1.22		%	2.11		%	2.06		%	1.02		%	0.82		%	1.19		%	1.59		%
Balance of loans individually evaluated for credit loss	$	45,227		$	11,561		$	15,044		$	23,648		$	1,874		$	—		$	364		$	97,718
Allowance related to loans evaluated individually	$	1,273		$	—		$	603		$	9,529		$	—		$	—		$	—		$	11,405
Individual allowance to loans evaluated individually ratio	2.81		%	—		%	4.01		%	40.30		%	—		%	—		%	—		%	11.67		%
Balance of loans collectively evaluated for credit loss	$	3,589,493		$	1,630,655		$	1,035,929		$	2,243,900		$	1,103,305		$	182,619		$	516,890		$	10,302,791
Allowance related to loans evaluated collectively	$	56,131		$	20,061		$	21,554		$	37,277		$	11,295		$	1,502		$	6,142		$	153,962
Collective allowance to loans evaluated collectively ratio	1.56		%	1.23		%	2.08		%	1.66		%	1.02		%	0.82		%	1.19		%	1.49		%

Schedule Of Collateral Dependent Loans Individually Evaluated For Credit Loss With The Associated Allowances

The following tables present collateral dependent loans individually evaluated for credit loss with the associated allowances for credit losses by the applicable portfolio segment and for the periods indicated:

	March 31, 2021
	Commercial Real Estate								Residential Real Estate
(In thousands)	Commercial Investor R/E		Commercial Owner- Occupied R/E		Commercial AD&C		Commercial Business		Residential Mortgage		Residential Construction		Consumer		Total
Loans individually evaluated for credit loss with an allowance:
Non-accruing	$	17,686	$	—	$	1,446	$	9,730	$	—	$	—	$	—	$	28,862
Restructured accruing	—		—		—		573		—		—		—		573
Restructured non-accruing	336		—		—		2,470		—		—		—		2,806
Balance	$	18,022	$	—	$	1,446	$	12,773	$	—	$	—	$	—	$	32,241
Allowance	$	2,988	$	—	$	603	$	9,510	$	—	$	—	$	—	$	13,101
Loans individually evaluated for credit loss without an allowance:
Non-accruing	$	24,754	$	6,125	$	13,529	$	318	$	—	$	—	$	—	$	44,726
Restructured accruing	—		—		—		111		1,587		—		—		1,698
Restructured non-accruing	—		2,191		—		629		150		—		363		3,333
Balance	$	24,754	$	8,316	$	13,529	$	1,058	$	1,737	$	—	$	363	$	49,757
Total individually evaluated loans:
Non-accruing	$	42,440	$	6,125	$	14,975	$	10,048	$	—	$	—	$	—	$	73,588
Restructured accruing	—		—		—		684		1,587		—		—		2,271
Restructured non-accruing	336		2,191		—		3,099		150		—		363		6,139
Balance	$	42,776	$	8,316	$	14,975	$	13,831	$	1,737	$	—	$	363	$	81,998
Total unpaid contractual principal balance	$	47,547	$	10,306	$	16,157	$	16,088	$	2,814	$	—	$	364	$	93,276

	December 31, 2020
	Commercial Real Estate								Residential Real Estate
(In thousands)	Commercial Investor R/E		Commercial Owner- Occupied R/E		Commercial AD&C		Commercial Business		Residential Mortgage		Residential Construction		Consumer		Total
Loans individually evaluated for credit loss with an allowance:
Non-accruing	$	4,913	$	—	$	1,328	$	11,178	$	—	$	—	$	—	$	17,419
Restructured accruing	—		—		—		589		—		—		—		589
Restructured non-accruing	699		—		—		2,010		—		—		—		2,709
Balance	$	5,612	$	—	$	1,328	$	13,777	$	—	$	—	$	—	$	20,717
Allowance	$	1,273	$	—	$	603	$	9,529	$	—	$	—	$	—	$	11,405
Loans individually evaluated for credit loss without an allowance:
Non-accruing	$	39,615	$	9,315	$	13,716	$	9,118	$	—	$	—	$	—	$	71,764
Restructured accruing	—		—		—		126		1,602		—		—		1,728
Restructured non-accruing	—		2,246		—		627		272		—		364		3,509
Balance	$	39,615	$	11,561	$	13,716	$	9,871	$	1,874	$	—	$	364	$	77,001
Total individually evaluated loans:
Non-accruing	$	44,528	$	9,315	$	15,044	$	20,296	$	—	$	—	$	—	$	89,183
Restructured accruing	—		—		—		715		1,602		—		—		2,317
Restructured non-accruing	699		2,246		—		2,637		272		—		364		6,218
Balance	$	45,227	$	11,561	$	15,044	$	23,648	$	1,874	$	—	$	364	$	97,718
Total unpaid contractual principal balance	$	49,920	$	15,309	$	16,040	$	30,958	$	3,225	$	—	$	364	$	115,816

Table Of Average Principal Balance Of The Total Non-Accrual Loans, Contractual Interest Due And Interest Income

The following tables present average principal balance of total non-accrual loans and contractual interest due on non-accrual loans for the periods indicated below:

	For the Three Months Ended March 31, 2021
	Commercial Real Estate								Residential Real Estate
(In thousands)	Commercial Investor R/E		Commercial Owner- Occupied R/E		Commercial AD&C		Commercial Business		Residential Mortgage		Residential Construction		Consumer		Total
Average non-accrual loans for the period	$	44,002	$	9,939	$	15,010	$	18,040	$	9,903	$	—	$	7,289	$	104,183
Contractual interest income due on non- accrual loans during the period	$	649	$	185	$	256	$	428	$	110	$	—	$	104	$	1,732

	For the Year Ended December 31, 2020
	Commercial Real Estate								Residential Real Estate
(In thousands)	Commercial Investor R/E		Commercial Owner- Occupied R/E		Commercial AD&C		Commercial Business		Residential Mortgage		Residential Construction		Consumer		Total
Average non-accrual loans for the period	$	26,849	$	6,605	$	4,267	$	16,532	$	11,634	$	—	$	6,675	$	72,562
Contractual interest income due on non- accrual loans during the period	$	6,547	$	2,741	$	4,505	$	2,858	$	918	$	—	$	732	$	18,301

Schedule Of Information On The Credit Quality Of Loan Portfolio Under The New CECL

The following section provides information on the credit quality of the loan portfolio for the periods indicated below:

	For the Three Months Ended March 31, 2021
	Commercial Real Estate								Residential Real Estate
(In thousands)	Commercial Investor R/E		Commercial Owner- Occupied R/E		Commercial AD&C		Commercial Business		Residential Mortgage		Residential Construction		Consumer		Total
Analysis of non-accrual loan activity:
Balance at beginning of period	$	45,227	$	11,561	$	15,044	$	22,933	$	10,212	$	—	$	7,384	$	112,361
Loans placed on non-accrual	—		—		—		84		140		—		197		421
Non-accrual balances transferred to OREO	—		—		—		—		—		—		—		—
Non-accrual balances charged-off	—		—		—		(650)		—		—		(49)		(699)
Net payments or draws	(2,451)		(3,245)		(69)		(9,220)		(759)		—		(284)		(16,028)
Non-accrual loans brought current	—		—		—		—		—		—		(55)		(55)
Balance at end of period	$	42,776	$	8,316	$	14,975	$	13,147	$	9,593	$	—	$	7,193	$	96,000

	For the Year Ended December 31, 2020
	Commercial Real Estate								Residential Real Estate
(In thousands)	Commercial Investor R/E		Commercial Owner- Occupied R/E		Commercial AD&C		Commercial Business		Residential Mortgage		Residential Construction		Consumer		Total
Analysis of non-accrual loan activity:
Balance at beginning of period	$	8,437	$	4,148	$	829	$	8,450	$	12,661	$	—	$	4,107	$	38,632
PCD loans designated as non-accrual (1)	9,544		—		—		2,539		8		—		993		13,084
Loans placed on non-accrual	37,882		8,572		15,844		17,442		1,485		—		4,061		85,286
Non-accrual balances transferred to OREO	—		—		—		—		(70)		—		—		(70)
Non-accrual balances charged-off	(411)		—		—		(446)		(416)		—		(121)		(1,394)
Net payments or draws	(10,225)		(1,059)		(1,629)		(4,169)		(2,598)		—		(1,521)		(21,201)
Non-accrual loans brought current	—		(100)		—		(883)		(858)		—		(135)		(1,976)
Balance at end of period	$	45,227	$	11,561	$	15,044	$	22,933	$	10,212	$	—	$	7,384	$	112,361

(1)Upon the adoption of the CECL standard, the Company transitioned from closed pool level accounting for PCI loans during the first quarter of 2020. Non-accrual loans are determined based on the individual loan level and aggregated for reporting.

Credit Quality of Loan Portfolio by Segment

	March 31, 2021
	Commercial Real Estate								Residential Real Estate
(In thousands)	Commercial Investor R/E		Commercial Owner- Occupied R/E		Commercial AD&C		Commercial Business		Residential Mortgage		Residential Construction		Consumer		Total
Performing loans:
Current	$	3,587,859	$	1,633,446	$	1,031,055	$	2,392,818	$	997,837	$	170,365	$	483,280	$	10,296,660
30-59 days	17,870		3,086		4,983		3,983		9,593		601		1,809		41,925
60-89 days	3,913		—		—		446		3,538		62		1,622		9,581
Total performing loans	3,609,642		1,636,532		1,036,038		2,397,247		1,010,968		171,028		486,711		10,348,166
Non-performing loans:
Non-accrual loans	42,776		8,316		14,975		13,147		9,593		—		7,193		96,000
Loans greater than 90 days past due	—		—		—		31		398		—		—		429
Restructured loans	—		—		—		684		1,587		—		—		2,271
Total non-performing loans	42,776		8,316		14,975		13,862		11,578		—		7,193		98,700
Total loans	$	3,652,418	$	1,644,848	$	1,051,013	$	2,411,109	$	1,022,546	$	171,028	$	493,904	$	10,446,866

	December 31, 2020
	Commercial Real Estate								Residential Real Estate
(In thousands)	Commercial Investor R/E		Commercial Owner- Occupied R/E		Commercial AD&C		Commercial Business		Residential Mortgage		Residential Construction		Consumer		Total
Performing loans:
Current	$	3,571,184	$	1,624,265	$	1,033,057	$	2,238,617	$	1,073,963	$	182,557	$	502,548	$	10,226,191
30-59 days	14,046		6,390		29		4,859		16,213		—		5,275		46,812
60-89 days	4,130		—		2,843		263		2,709		62		2,047		12,054
Total performing loans	3,589,360		1,630,655		1,035,929		2,243,739		1,092,885		182,619		509,870		10,285,057
Non-performing loans:
Non-accrual loans	45,227		11,561		15,044		22,933		10,212		—		7,384		112,361
Loans greater than 90 days past due	133		—		—		161		480		—		—		774
Restructured loans	—		—		—		715		1,602		—		—		2,317
Total non-performing loans	45,360		11,561		15,044		23,809		12,294		—		7,384		115,452
Total loans	$	3,634,720	$	1,642,216	$	1,050,973	$	2,267,548	$	1,105,179	$	182,619	$	517,254	$	10,400,509

Information About Credit Quality Indicator By The Year Of Origination

The following table provides information about credit quality indicators by the year of origination as of March 31, 2021:

	March 31, 2021
	Term Loans by Origination Year												Revolving
(In thousands)	2021		2020		2019		2018		2017		Prior		Loans		Total
Commercial Investor R/E:
Pass	$	194,465	$	881,973	$	707,450	$	452,909	$	429,839	$	876,375	$	28,844	$	3,571,855
Special Mention	10,000		527		1,993		2,640		701		2,646		—		18,507
Substandard	279		437		6,175		13,555		28,149		13,461		—		62,056
Doubtful	—		—		—		—		—		—		—		—
Total	$	204,744	$	882,937	$	715,618	$	469,104	$	458,689	$	892,482	$	28,844	$	3,652,418
Commercial Owner-Occupied R/E:
Pass	$	47,661	$	287,070	$	375,951	$	222,539	$	188,795	$	485,151	$	4,793	$	1,611,960
Special Mention	—		1,871		4,327		3,586		4,698		5,279		—		19,761
Substandard	—		1,269		4,316		2,031		447		5,064		—		13,127
Doubtful	—		—		—		—		—		—		—		—
Total	$	47,661	$	290,210	$	384,594	$	228,156	$	193,940	$	495,494	$	4,793	$	1,644,848
Commercial AD&C:
Pass	$	174,120	$	373,158	$	244,751	$	110,557	$	47,150	$	—	$	80,645	$	1,030,381
Special Mention	639		1,073		—		—		—		—		—		1,712
Substandard	1,102		455		891		—		13,629		2,843		—		18,920
Doubtful	—		—		—		—		—		—		—		—
Total	$	175,861	$	374,686	$	245,642	$	110,557	$	60,779	$	2,843	$	80,645	$	1,051,013
Commercial Business:
Pass	$	459,815	$	1,059,494	$	179,214	$	129,096	$	77,302	$	71,681	$	396,258	$	2,372,860
Special Mention	—		2,043		8,793		1,063		1,214		845		3,792		17,750
Substandard	225		4,785		3,494		3,338		857		6,019		1,781		20,499
Doubtful	—		—		—		—		—		—		—		—
Total	$	460,040	$	1,066,322	$	191,501	$	133,497	$	79,373	$	78,545	$	401,831	$	2,411,109
Residential Mortgage:
Beacon score:
660-850	$	43,362	$	209,544	$	66,700	$	113,850	$	153,972	$	336,256	$	—	$	923,684
600-659	745		4,962		9,539		8,498		8,044		25,851		—		57,639
540-599	—		1,445		1,181		5,063		1,930		14,187		—		23,806
less than 540	497		2,318		1,545		3,182		1,118		8,757		—		17,417
Total	$	44,604	$	218,269	$	78,965	$	130,593	$	165,064	$	385,051	$	—	$	1,022,546
Residential Construction:
Beacon score:
660-850	$	27,097	$	101,290	$	21,059	$	14,166	$	1,248	$	1,738	$	364	$	166,962
600-659	—		—		2,743		—		—		369		—		3,112
540-599	—		—		—		—		—		—		—		—
less than 540	—		954		—		—		—		—		—		954
Total	$	27,097	$	102,244	$	23,802	$	14,166	$	1,248	$	2,107	$	364	$	171,028
Consumer:
Beacon score:
660-850	$	1,054	$	2,200	$	4,263	$	4,213	$	1,567	$	27,406	$	400,050	$	440,753
600-659	247		265		1,138		484		259		6,092		17,590		26,075
540-599	—		105		564		272		270		3,425		6,938		11,574
less than 540	103		729		151		569		765		3,277		9,908		15,502
Total	$	1,404	$	3,299	$	6,116	$	5,538	$	2,861	$	40,200	$	434,486	$	493,904
Total loans	$	961,411	$	2,937,967	$	1,646,238	$	1,091,611	$	961,954	$	1,896,722	$	950,963	$	10,446,866

 The following table provides information about credit quality indicators by the year of origination as of December 31, 2020:

	December 31, 2020
	Term Loans by Origination Year												Revolving
(In thousands)	2020		2019		2018		2017		2016		Prior		Loans		Total
Commercial Investor R/E:
Pass	$	910,426	$	763,214	$	448,406	$	448,698	$	469,077	$	498,384	$	33,531	$	3,571,736
Special Mention	11,044		—		4,879		833		269		27		—		17,052
Substandard	589		4,245		13,649		20,619		673		6,157		—		45,932
Doubtful	—		—		—		—		—		—		—		—
Total	$	922,059	$	767,459	$	466,934	$	470,150	$	470,019	$	504,568	$	33,531	$	3,634,720
Commercial Owner-Occupied R/E:
Pass	$	285,310	$	385,058	$	234,578	$	192,634	$	204,925	$	306,840	$	1,664	$	1,611,009
Special Mention	2,290		—		3,027		4,742		134		4,079		—		14,272
Substandard	1,610		4,335		2,065		465		219		8,009		—		16,703
Doubtful	—		—		—		—		—		232		—		232
Total	$	289,210	$	389,393	$	239,670	$	197,841	$	205,278	$	319,160	$	1,664	$	1,642,216
Commercial AD&C:
Pass	$	485,631	$	261,537	$	149,703	$	50,192	$	89	$	2,357	$	80,764	$	1,030,273
Special Mention	1,711		—		—		—		—		—		—		1,711
Substandard	1,439		891		—		13,816		2,843		—		—		18,989
Doubtful	—		—		—		—		—		—		—		—
Total	$	488,781	$	262,428	$	149,703	$	64,008	$	2,932	$	2,357	$	80,764	$	1,050,973
Commercial Business:
Pass	$	1,244,822	$	208,682	$	138,861	$	86,830	$	34,498	$	81,760	$	433,016	$	2,228,469
Special Mention	1,929		1,382		1,119		708		309		621		4,319		10,387
Substandard	2,914		4,564		3,519		1,631		2,745		3,456		1,829		20,658
Doubtful	106		995		849		36		1,284		1,852		2,912		8,034
Total	$	1,249,771	$	215,623	$	144,348	$	89,205	$	38,836	$	87,689	$	442,076	$	2,267,548
Residential Mortgage:
Beacon score:
660-850	$	229,033	$	74,054	$	138,824	$	172,493	$	129,701	$	251,065	$	—	$	995,170
600-659	4,824		7,706		10,763		11,719		8,173		21,424		—		64,609
540-599	350		1,238		5,219		2,608		4,791		10,167		—		24,373
less than 540	2,702		2,108		3,576		2,150		892		9,599		—		21,027
Total	$	236,909	$	85,106	$	158,382	$	188,970	$	143,557	$	292,255	$	—	$	1,105,179
Residential Construction:
Beacon score:
660-850	$	112,604	$	44,647	$	14,543	$	2,805	$	1,693	$	—	$	172	$	176,464
600-659	1,743		3,189		—		—		—		—		—		4,932
540-599	—		—		—		—		369		—		—		369
less than 540	854		—		—		—		—		—		—		854
Total	$	115,201	$	47,836	$	14,543	$	2,805	$	2,062	$	—	$	172	$	182,619
Consumer:
Beacon score:
660-850	$	2,575	$	4,609	$	5,112	$	2,110	$	2,614	$	24,444	$	417,737	$	459,201
600-659	374		445		334		428		467		5,401		21,052		28,501
540-599	89		1,216		294		339		601		3,926		6,153		12,618
less than 540	751		160		525		785		532		2,826		11,355		16,934
Total	$	3,789	$	6,430	$	6,265	$	3,662	$	4,214	$	36,597	$	456,297	$	517,254
Total loans	$	3,305,720	$	1,774,275	$	1,179,845	$	1,016,641	$	866,898	$	1,242,626	$	1,014,504	$	10,400,509

Restructured Loans for Specific Segments of Loan Portfolio

The following table provides the amounts of the restructured loans at the date of restructuring for specific segments of the loan portfolio during the period indicated:

	For the Three Months Ended March 31, 2021
	Commercial Real Estate
(In thousands)	Commercial Investor R/E		Commercial Owner- Occupied R/E		Commercial AD&C		Commercial Business		All Other Loans		Total
Troubled debt restructurings:
Restructured accruing	$	—	$	—	$	—	$	—	$	—	$	—
Restructured non-accruing	—		—		—		512		—		512
Balance	$	—	$	—	$	—	$	512	$	—	$	512
Individual allowance	$	—	$	—	$	—	$	332	$	—	$	332
Restructured and subsequently defaulted	$	—	$	—	$	—	$	—	$	—	$	—

	For the Year Ended December 31, 2020
	Commercial Real Estate
(In thousands)	Commercial Investor R/E		Commercial Owner- Occupied R/E		Commercial AD&C		Commercial Business		All Other Loans		Total
Troubled debt restructurings:
Restructured accruing	$	—	$	—	$	—	$	380	$	549	$	929
Restructured non-accruing	723		930		—		1,951		—		3,604
Balance	$	723	$	930	$	—	$	2,331	$	549	$	4,533
Individual allowance	$	65	$	—	$	—	$	955	$	—	$	1,020
Restructured and subsequently defaulted	$	—	$	—	$	—	$	—	$	—	$	—