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ALLOWANCE FOR CREDIT LOSSES AND CREDIT QUALITY INFORMATION
 6 Months Ended
Jun. 30, 2024
Receivables [Abstract]  
ALLOWANCE FOR CREDIT LOSSES AND CREDIT QUALITY INFORMATION
7. ALLOWANCE FOR CREDIT LOSSES AND CREDIT QUALITY INFORMATION
The following tables provide the activity of allowance for credit losses and loan balances for the three and six months ended June 30, 2024 and 2023. The increase was primarily due to the impacts of the economic uncertainty and forecast and net loan growth.
(Dollars in thousands)
Commercial and Industrial
Owner-occupied
Commercial		Commercial
Mortgages		ConstructionCommercial Small Business Leases
Residential(1)
Consumer(2)
Total
Three months ended June 30, 2024
Allowance for credit losses
Beginning balance$55,902 $10,569 $36,797 $10,959 $15,459 $5,407 $57,536 $192,629 
Charge-offs(1,906)— (4,907)— (4,888)(51)(5,820)(17,572)
Recoveries1,736 4 102 — 831 43 665 3,381 
Provision784 (905)14,839 (1,761)4,816 (342)2,384 19,815 
Ending balance$56,516 $9,668 $46,831 $9,198 $16,218 $5,057 $54,765 $198,253 
Six months ended June 30, 2024
Allowance for credit losses
Beginning balance$49,394 $10,719 $36,055 $10,762 $15,170 $5,483 $58,543 $186,126 
Charge-offs(2,382)— (4,932)— (9,740)(101)(12,276)(29,431)
Recoveries3,502 205 104 — 1,422 132 1,240 6,605 
Provision6,002 (1,256)15,604 (1,564)9,366 (457)7,258 34,953 
Ending balance$56,516 $9,668 $46,831 $9,198 $16,218 $5,057 $54,765 $198,253 
Period-end allowance allocated to:
Loans evaluated on an individual basis$8,055 $— $— $— $— $— $— $8,055 
Loans evaluated on a collective basis48,461 9,668 46,831 9,198 16,218 5,057 54,765 190,198 
Ending balance$56,516 $9,668 $46,831 $9,198 $16,218 $5,057 $54,765 $198,253 
Period-end loan balances:
Loans evaluated on an individual basis
$39,217 $4,260 $8,991 $3,887 $— $8,300 $2,838 $67,493 
Loans evaluated on a collective basis2,599,935 1,936,417 4,025,827 875,330 643,520 889,273 2,103,595 13,073,897 
Ending balance
$2,639,152 $1,940,677 $4,034,818 $879,217 $643,520 $897,573 $2,106,433 $13,141,390 
(1)Period-end loan balance excludes reverse mortgages at fair value of $2.8 million.
(2)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.
(Dollars in thousands)Commercial and IndustrialOwner -
occupied
Commercial		Commercial
Mortgages		ConstructionCommercial Small Business Leases
Residential(1)
Consumer(2)
Total
Three months ended June 30, 2023
Allowance for credit losses
Beginning balance$53,473 $6,056 $30,114 $9,672 $9,236 $5,327 $55,284 $169,162 
Charge-offs(6,453)(184)— — (3,906)(33)(5,298)(15,874)
Recoveries1,814 31 1 1 400 113 390 2,750 
Provision3,566 432 1,822 (445)4,653 (364)6,167 15,831 
Ending balance$52,400 $6,335 $31,937 $9,228 $10,383 $5,043 $56,543 $171,869 
Six months ended June 30, 2023
Allowance for loan losses
Beginning balance$49,526 $6,019 $21,473 $6,987 $9,868 $4,668 $53,320 $151,861 
Charge-offs(13,016)(184)— — (6,805)(33)(9,502)(29,540)
Recoveries2,515 36 3 531 915 156 549 4,705 
Provision13,375 464 10,461 1,710 6,405 252 12,176 44,843 
Ending balance$52,400 $6,335 $31,937 $9,228 $10,383 $5,043 $56,543 $171,869 
Period-end allowance allocated to:
Loans evaluated on an individual basis$1,953 $— $— $— $— $— $— $1,953 
Loans evaluated on a collective basis50,447 6,335 31,937 9,228 10,383 5,043 56,543 169,916 
Ending balance$52,400 $6,335 $31,937 $9,228 $10,383 $5,043 $56,543 $171,869 
Period-end loan balances:
Loans evaluated on an individual basis$18,367 $3,979 $7,515 $741 $— $6,491 $2,175 $39,268 
Loans evaluated on a collective basis2,605,356 1,879,076 3,545,285 954,483 590,063 820,259 1,903,044 12,297,566 
Ending balance
$2,623,723 $1,883,055 $3,552,800 $955,224 $590,063 $826,750 $1,905,219 $12,336,834 
(1)Period-end loan balance excludes reverse mortgages at fair value of $3.1 million.
(2)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.
The following tables show nonaccrual and past due loans presented at amortized cost at the date indicated:
June 30, 2024
(Dollars in thousands)30–89 Days
Past Due and
Still 
Accruing		Greater 
Than
90 Days
Past Due and
Still Accruing		Total Past
Due
And Still
Accruing		Accruing
Current
Balances		Nonaccrual Loans With No AllowanceNonaccrual
Loans With An Allowance		Total
Loans
Commercial and industrial
$4,456 $759 $5,215 $2,594,707 $13,411 $25,819 $2,639,152 
Owner-occupied commercial5,196 — 5,196 1,931,542 3,939 — 1,940,677 
Commercial mortgages1,674 46 1,720 4,024,109 8,989 — 4,034,818 
Construction— — — 875,330 3,887 — 879,217 
Commercial small business leases10,206 50 10,256 633,264 — — 643,520 
Residential(1)
4,587 8 4,595 887,892 5,086 — 897,573 
Consumer(2)
14,040 8,935 22,975 2,080,555 2,903 — 2,106,433 
Total
$40,159 $9,798 $49,957 $13,027,399 $38,215 $25,819 $13,141,390 
% of Total Loans0.31 %0.07 %0.38 %99.13 %0.29 %0.20 %100 %
(1)Residential accruing current balances excludes reverse mortgages at fair value of $2.8 million.
(2)Includes $11.9 million of delinquent, but still accruing, U.S. government-guaranteed student loans that carry little risk of credit loss.
December 31, 2023
(Dollars in thousands)30–89 Days
Past Due and
Still 
Accruing		Greater 
Than
90 Days
Past Due and
Still Accruing		Total Past
Due
And Still
Accruing		Accruing
Current
Balances
Nonaccrual Loans With No Allowance(1)
Nonaccrual
Loans With An Allowance		Total
Loans
Commercial and industrial$1,630 $293 $1,923 $2,518,934 $13,645 $5,568 $2,540,070 
Owner-occupied commercial1,786 487 2,273 1,878,952 4,862 — 1,886,087 
Commercial mortgages1,190 — 1,190 3,777,698 22,292 — 3,801,180 
Construction— — — 1,022,913 12,617 — 1,035,530 
Commercial small business leases6,697 772 7,469 616,153 — — 623,622 
Residential(2)
9,261 — 9,261 856,055 2,579 — 867,895 
Consumer(3)
15,249 10,032 25,281 1,984,407 2,446 — 2,012,134 
Total
$35,813 $11,584 $47,397 $12,655,112 $58,441 $5,568 $12,766,518 
% of Total Loans0.28 %0.09 %0.37 %99.13 %0.46 %0.04 %100 %
(1)Excludes nonaccruing loans held-for-sale.
(2)Residential accruing current balances excludes reverse mortgages, at fair value of $2.8 million.
(3)Includes $14.5 million of delinquent, but still accruing, U.S. government-guaranteed student loans that carry little risk of credit loss.
The following table presents the amortized cost basis of nonaccruing collateral-dependent loans by class at June 30, 2024 and December 31, 2023:
June 30, 2024December 31, 2023
(Dollars in thousands)Property
Equipment and other
Property
Equipment and other
Commercial and industrial(1)
$30,421 $8,809 $17,230 $1,983 
Owner-occupied commercial3,939 — 4,862 — 
Commercial mortgages8,989 — 22,292 — 
Construction3,887 — 12,617 — 
Residential(2)
5,086 — 2,579 — 
Consumer(3)
2,903 — 2,446 — 
Total$55,225 $8,809 $62,026 $1,983 
(1)Excludes nonaccruing loans held-for-sale in 2023.
(2)Excludes reverse mortgages at fair value.
(3)Includes home equity lines of credit.
As of June 30, 2024, there were 34 residential loans and 14 commercial loans in the process of foreclosure. The total outstanding balance on these loans was $5.4 million and $3.5 million, respectively. As of December 31, 2023, there were 31 residential loans and 9 commercial loans in the process of foreclosure. The total outstanding balance on these loans was $3.2 million and $1.1 million, respectively. Loan workout and other real estate owned (OREO) expenses (recoveries) were $0.3 million and $(0.1) million during the three and six months ended June 30, 2024, respectively, and $0.2 million and $0.3 million during three and six months ended June 30, 2023, respectively. Loan workout and OREO expenses are included in Loan workout and other credit costs on the unaudited Consolidated Statements of Income.
Credit Quality Indicators
Below is a description of each of the risk ratings for all commercial loans:
 
•Pass. These borrowers currently show no indication of deterioration or potential problems and their loans are considered fully collectible.
•Special Mention. These borrowers have potential weaknesses that deserve management’s close attention. Borrowers in this category may be experiencing adverse operating trends, for example, declining revenues or margins, high leverage, tight liquidity, or increasing inventory without increasing sales. These adverse trends can have a potential negative effect on the borrower’s repayment capacity. These assets are not adversely classified and do not expose the Bank to significant risk that would warrant a more severe rating. Borrowers in this category may also be experiencing significant management problems, pending litigation, or other structural credit weaknesses.
•Substandard or Lower. These borrowers have well-defined weaknesses that require extensive oversight by management. Borrowers in this category may exhibit one or more of the following: inadequate debt service coverage, unprofitable operations, insufficient liquidity, high leverage, and weak or inadequate capitalization. Relationships in this category are not adequately protected by the sound financial worth and paying capacity of the obligor or the collateral pledged on the loan, if any. A distinct possibility exists that the Bank will sustain some loss if the deficiencies are not corrected. In addition, some borrowers in this category could have the added characteristic that the possibility of loss is extremely high. Current circumstances in the credit relationship make collection or liquidation in full highly questionable. Such impending events include: perfecting liens on additional collateral, obtaining collateral valuations, an acquisition or liquidation preceding, proposed merger, or refinancing plan.
Residential and Consumer Loans
The residential and consumer loan portfolios are monitored on an ongoing basis using delinquency information and loan type as credit quality indicators. These credit quality indicators are assessed in the aggregate in these relatively homogeneous portfolios. Loans that are greater than 90 days past due are generally considered nonperforming and placed on nonaccrual status.
The following tables provide an analysis of loans by portfolio segment based on the credit quality indicators used to determine the allowance for credit losses as of June 30, 2024.
Term Loans Amortized Cost Basis by Origination Year(1)
(Dollars in thousands)20242023202220212020PriorRevolving loans amortized cost basisRevolving loans converted to termTotal
Commercial and industrial:
Risk Rating
Pass$342,046 $716,383 $411,996 $153,043 $178,489 $334,222 $9,499 $247,094 $2,392,772 
Special mention3,088 1,519 2,857 — — 1,524 — 14,892 23,880 
Substandard or Lower52,436 47,126 54,201 6,844 5,333 42,762 29 13,769 222,500 
$397,570 $765,028 $469,054 $159,887 $183,822 $378,508 $9,528 $275,755 $2,639,152 
Current-period gross writeoffs$— $74 $134 $151 $206 $1,817 $— $— $2,382 
Owner-occupied commercial:
Risk Rating
Pass$148,343 $327,387 $217,530 $238,638 $177,313 $454,474 $— $210,962 $1,774,647 
Special mention— 248 20,831 1,379 25,932 21,554 — 1,554 71,498 
Substandard or Lower493 693 20,516 10,811 5,382 44,714 — 11,923 94,532 
$148,836 $328,328 $258,877 $250,828 $208,627 $520,742 $— $224,439 $1,940,677 
Current-period gross writeoffs$— $— $— $— $— $— $— $— $— 
Commercial mortgages:
Risk Rating
Pass$276,251 $779,662 $568,431 $446,777 $415,596 $969,561 $— $434,855 $3,891,133 
Special mention— 33,637 571 4,886 1,797 2,159 — 14,515 57,565 
Substandard or Lower18,306 7,249 999 956 25,456 32,416 — 738 86,120 
$294,557 $820,548 $570,001 $452,619 $442,849 $1,004,136 $— $450,108 $4,034,818 
Current-period gross writeoffs$— $25 $— $— $— $4,907 $— $— $4,932 
Construction:
Risk Rating
Pass$191,277 $322,283 $193,905 $25,024 $89 $4,438 $— $93,264 $830,280 
Special mention8,057 — 3,313 — — — — — 11,370 
Substandard or Lower9,128 23,706 — 4,042 — 145 — 546 37,567 
$208,462 $345,989 $197,218 $29,066 $89 $4,583 $— $93,810 $879,217 
Current-period gross writeoffs$— $— $— $— $— $— $— $— $— 
Commercial small business leases:
Risk Rating
Performing$137,975 $225,819 $156,005 $78,843 $26,664 $18,214 $— $— $643,520 
Nonperforming— — — — — — — — — 
$137,975 $225,819 $156,005 $78,843 $26,664 $18,214 $— $— $643,520 
Current-period gross writeoffs$11 $2,548 $3,955 $2,042 $846 $338 $— $— $9,740 
Residential(2):
Risk Rating
Performing$67,721 $185,317 $65,007 $95,534 $56,120 $419,412 $— $— $889,111 
Nonperforming— — 365 3,477 690 3,930 — — 8,462 
$67,721 $185,317 $65,372 $99,011 $56,810 $423,342 $— $— $897,573 
Current-period gross writeoffs$— $— $— $— $— $101 $— $— $101 
Consumer(3):
Risk Rating
Performing$149,512 $402,536 $507,860 $134,878 $94,424 $292,334 $515,249 $6,802 $2,103,595 
Nonperforming— 249 — 270 352 227 1,576 164 2,838 
$149,512 $402,785 $507,860 $135,148 $94,776 $292,561 $516,825 $6,966 $2,106,433 
Current-period gross writeoffs$521 $1,662 $7,697 $1,573 $477 $346 $— $— $12,276 
(1)Origination date represents the most recent underwriting of the loan which includes new relationships, renewals and extensions.
(2)Excludes reverse mortgages at fair value.
(3)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.
The following tables provide an analysis of loans by portfolio segment based on the credit quality indicators used to determine the allowance for credit losses, as of December 31, 2023.
Term Loans Amortized Cost Basis by Origination Year(1)
(Dollars in thousands)20232022202120202019
Prior
Revolving loans amortized cost basisRevolving loans converted to termTotal
Commercial and industrial:
Risk Rating
Pass$716,848 $490,934 $180,343 $211,151 $90,522 $383,609 $8,785 $237,786 $2,319,978 
Special mention7,209 11,860 2,804 463 735 743 — 1,649 25,463 
Substandard or Lower72,993 54,024 5,951 10,224 22,046 17,906 — 11,485 194,629 
$797,050 $556,818 $189,098 $221,838 $113,303 $402,258 $8,785 $250,920 $2,540,070 
Current-period gross writeoffs$— $568 $5,214 $1,747 $7,567 $11,557 $— $— $26,653 
Owner-occupied commercial:
Risk Rating
Pass$346,908 $264,895 $251,262 $212,365 $194,153 $313,801 $— $178,150 $1,761,534 
Special mention2,885 3,115 5,419 1,105 11,002 5,559 — 1,393 30,478 
Substandard or Lower996 18,865 11,109 6,787 8,019 35,330 — 12,969 94,075 
$350,789 $286,875 $267,790 $220,257 $213,174 $354,690 $— $192,512 $1,886,087 
Current-period gross writeoffs$— $— $— $— $184 $— $— $— $184 
Commercial mortgages:
Risk Rating
Pass$847,137 $464,895 $526,280 $465,354 $486,855 $619,448 $— $290,083 $3,700,052 
Special mention20,632 — 67 1,837 10,666 — — — 33,202 
Substandard or Lower9,862 1,153 1,047 13,837 14,352 12,212 — 15,463 67,926 
$877,631 $466,048 $527,394 $481,028 $511,873 $631,660 $— $305,546 $3,801,180 
Current-period gross writeoffs$— $83 $— $217 $— $— $— $— $300 
Construction:
Risk Rating
Pass$429,055 $319,958 $111,333 $3,030 $388 $7,016 $— $87,741 $958,521 
Special mention28,718 19,769 8,227 — — — — — 56,714 
Substandard or Lower5,698 — 3,308 8,598 2,134 — — 557 20,295 
$463,471 $339,727 $122,868 $11,628 $2,522 $7,016 $— $88,298 $1,035,530 
Current-period gross writeoffs$— $— $794 $— $— $— $— $— $794 
Commercial small business leases:
Risk Rating
Performing$260,348 $191,746 $103,428 $40,697 $15,411 $11,992 $— $— $623,622 
Nonperforming— — — — — — — — — 
$260,348 $191,746 $103,428 $40,697 $15,411 $11,992 $— $— $623,622 
Current-period gross writeoffs$1,528 $7,250 $4,447 $1,454 $735 $227 $— $— $15,641 
Residential(2):
Risk Rating
Performing$188,644 $67,358 $102,982 $57,273 $33,499 $412,099 $— $— $861,855 
Nonperforming— 170 713 486 1,251 3,420 — — 6,040 
$188,644 $67,528 $103,695 $57,759 $34,750 $415,519 $— $— $867,895 
Current-period gross writeoffs$33 $— $— $— $— $8 $— $— $41 
Consumer(3):
Risk Rating
Performing$391,580 $568,919 $153,930 $104,248 $44,996 $245,849 $494,663 $5,662 $2,009,847 
Nonperforming— — 135 352 176 30 1,362 232 2,287 
$391,580 $568,919 $154,065 $104,600 $45,172 $245,879 $496,025 $5,894 $2,012,134 
Current-period gross writeoffs$1,790 $15,227 $4,411 $313 $198 $455 $— $— $22,394 
(1)Origination date represents the most recent underwriting of the loan which includes new relationships, renewals and extensions.
(2)Excludes reverse mortgages at fair value.
(3)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.
Troubled Loans
The Company offers loan modifications to commercial and consumer borrowers that may result in a payment delay, interest rate reduction, term extension, principal forgiveness, or combination thereof. Loan modifications are offered on a case-by-case basis and are generally term extension, payment delay, and interest rate reduction modification types. Forbearance (due to hardship) programs result in modification types including payment delay and/or term extension. In addition, certain reorganization bankruptcy judgments may result in interest rate reduction, term extension, or principal forgiveness modification types.
The following tables show the period-end amortized cost basis of troubled loans modified during the three and six months ended June 30, 2024 and 2023, disaggregated by portfolio segment and type of modification granted:
Three Months Ended June 30, 2024
(Dollars in thousands)Term ExtensionMore-Than-Insignificant Payment DelayCombination- Term Extension and Payment DelayTotal% of Total Loan Category
Commercial and industrial$30,075 $606 $92 $30,773 1.17 %
Owner-occupied commercial493 — — 493 0.03 %
Commercial mortgages83 — — 83 — %
Construction10,620 — — 10,620 1.21 %
Consumer(1)
256 784 1,270 2,310 0.11 %
Total$41,527 $1,390 $1,362 $44,279 0.34 %
Six Months Ended June 30, 2024
(Dollars in thousands)Term ExtensionMore-Than-Insignificant Payment DelayCombination- Term Extension and Payment DelayTotal% of Total Loan Category
Commercial and industrial$61,803 $955 $805 $63,563 2.41 %
Owner-occupied commercial493 — — 493 0.03 %
Commercial mortgages83 — — 83 — %
Construction10,620 — — 10,620 1.21 %
Consumer(1)
502 1,389 2,886 4,777 0.23 %
Total$73,501 $2,344 $3,691 $79,536 0.61 %
(1)Includes home equity lines of credit, installment loans and unsecured lines of credit.
Three months ended June 30, 2023
(Dollars in thousands)Term ExtensionMore-Than-Insignificant Payment DelayCombination- Term Extension and Payment DelayCombination- Term Extension and Interest Rate ReductionCombination - Payment Delay and Interest Rate ReductionTotal% of Total Loan Category
Commercial and industrial$8,819 $— $10,164 $— $— $18,983 0.72 %
Owner-occupied commercial— — 1,062 — — 1,062 0.06 %
Commercial mortgages9,468 — — — — 9,468 0.27 %
Construction3,305 — — — — 3,305 0.35 %
Consumer(1)
172 720 1,967 — 75 2,934 0.15 %
Total$21,764 $720 $13,193 $— $75 $35,752 0.29 %
Six Months Ended June 30, 2023
(Dollars in thousands)Term ExtensionMore-Than-Insignificant Payment DelayCombination- Term Extension and Payment DelayCombination- Term Extension and Interest Rate ReductionCombination - Payment Delay and Interest Rate ReductionTotal% of Total Loan Category
Commercial and industrial(1)
$21,530 $— $10,164 $— $— $31,694 1.21 %
Owner-occupied commercial— — 1,062 144 — 1,206 0.06 %
Commercial mortgages9,468 — — — — 9,468 0.27 %
Construction3,305 — — — — 3,305 0.35 %
Consumer(2)
888 871 3,344 158 195 5,456 0.29 %
Total$35,191 $871 $14,570 $302 $195 $51,129 0.41 %
(1)Includes home equity lines of credit, installment loans and unsecured lines of credit.
The following table describes the financial effect of the modifications made to troubled loans during the three and six months ended June 30, 2024 and 2023:
Three Months Ended June 30, 2024Six Months Ended June 30, 2024
Term Extension(1)
More-Than-Insignificant Payment Delay(2)
Term Extension(1)
More-Than-Insignificant Payment Delay(2)
Commercial and industrial0.860.01%1.010.01%
Owner-occupied commercial0.54—0.54—
Commercial mortgages0.59—0.59—
Construction0.60—0.60—
Consumer0.480.020.470.03
Three Months Ended June 30, 2023Six Months Ended June 30, 2023
Term Extension(1)
More-Than-Insignificant Payment Delay(2)
Term Extension(1)
Interest Rate Reduction(3)
More-Than-Insignificant Payment Delay(2)
Commercial and industrial1.110.08%1.08—%0.08%
Owner-occupied commercial1.340.011.292.570.01
Commercial mortgages1.33—1.33——
Construction0.25—0.25——
Consumer0.440.024.352.650.04
(1)Represents the weighted-average increase in the life of modified loans measured in years, which reduces monthly payment amounts for borrowers.
(2)Represents the percentage of loans deferred over the total loan portfolio excluding reverse mortgages at fair value.
(3)Represents the weighted-average decrease in the contractual interest rate on the modified loans.
As of June 30, 2024 and December 31, 2023, the Company had commitments to extend credit of $31.8 million and $18.4 million, respectively, to borrowers experiencing financial difficulty whose terms had been modified.
Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.
The following table shows the amortized cost of loans that received a modification that had a payment default during the six months ended June 30, 2024 and were modified in the 12 months before default to borrowers experiencing financial difficulty. There were no loans that received a modification that had a payment default during the three months ended June 30, 2024 and were modified in the 12 months before default to borrowers experiencing financial difficulty. There were $0.9 million of C&I loans that received a term extension modification that had a payment default during the three and six months ended June 30, 2023 and were modified in the 12 months before default to borrowers experiencing financial difficulty.
Six Months Ended June 30, 2024
Term ExtensionMore-Than-Insignificant Payment DelayTotal
Commercial and industrial$3,870 $61 $3,931 
Total$3,870 $61 $3,931 
The Company closely monitors the performance of troubled loans to understand the effectiveness of its modification efforts. The following tables show the performance of loans that have been modified in the last 12 months as of June 30, 2024 and 2023:
June 30, 2024
(Dollars in thousands)30-89 Days Past Due and Still Accruing90+ Days Past Due and Still AccruingAccruing Current BalancesNonaccrual LoansTotal
Commercial and industrial$— $— $83,960 $13,765 $97,725 
Owner-occupied commercial— — 493 — 493 
Commercial mortgages— — 15,432 83 15,515 
Construction— — 10,620 — 10,620 
Residential— — 40 165 205 
Consumer(1)
1,034 339 7,054 95 8,522 
Total$1,034 $339 $117,599 $14,108 $133,080 
(1)Includes home equity lines of credit, installment loans and unsecured lines of credit.

June 30, 2023
30-89 Days Past Due and Still Accruing90+ Days Past Due and Still AccruingAccruing Current BalancesNonaccrual LoansTotal
Commercial and industrial$— $— $30,301 $1,393 $31,694 
Owner-occupied commercial— — 1,062 144 1,206 
Commercial mortgages— — 9,468 — 9,468 
Construction— — 3,305 — 3,305 
Consumer(1)
358 101 4,997 — 5,456 
Total$358 $101 $49,133 $1,537 $51,129 
(1)Includes home equity lines of credit, installment loans and unsecured lines of credit.