LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
|
3 Months Ended |
Mar. 31, 2022 |
|---|
| LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract] |
|
| Portfolio Loans |
Loans are comprised of the following:
|
|
|
March 31,
2022
|
|
|
December 31,
2021
|
|
| |
|
|
|
|
|
|
|
Residential real estate
|
|
$
|
270,576
|
|
|
$
|
274,425
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
|
72,020
|
|
|
|
71,979
|
|
|
Nonowner-occupied
|
|
|
163,083
|
|
|
|
176,100
|
|
|
Construction
|
|
|
32,035
|
|
|
|
33,718
|
|
|
Commercial and industrial
|
|
|
144,160
|
|
|
|
141,525
|
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
Automobile
|
|
|
47,022
|
|
|
|
48,206
|
|
|
Home equity
|
|
|
22,770
|
|
|
|
22,375
|
|
|
Other
|
|
|
59,980
|
|
|
|
62,863
|
|
| |
|
|
811,646
|
|
|
|
831,191
|
|
|
Less: Allowance for loan losses
|
|
|
(5,268
|
)
|
|
|
(6,483
|
)
|
| |
|
|
|
|
|
|
|
|
|
Loans, net
|
|
$
|
806,378
|
|
|
$
|
824,708
|
|
|
| Activity in Allowance for Loan Losses by Portfolio Segment |
The following table presents the activity in the allowance for loan losses by portfolio segment for
the three months ended March 31, 2022
and 2021:
|
March 31, 2022
|
|
Residential
Real Estate
|
|
|
Commercial
Real Estate
|
|
|
Commercial
and Industrial
|
|
|
Consumer
|
|
|
Total
|
|
|
Allowance for loan losses:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Beginning balance
|
|
$
|
980
|
|
|
$
|
2,548
|
|
|
$
|
1,571
|
|
|
$
|
1,384
|
|
|
$
|
6,483
|
|
|
Provision for loan losses
|
|
|
(279
|
)
|
|
|
(575
|
)
|
|
|
(190
|
)
|
|
|
(82
|
)
|
|
|
(1,126
|
)
|
|
Loans charged off
|
|
|
(3
|
)
|
|
|
(1
|
)
|
|
|
—
|
|
|
|
(330
|
)
|
|
|
(334
|
)
|
|
Recoveries
|
|
|
16
|
|
|
|
19
|
|
|
|
8
|
|
|
|
202
|
|
|
|
245
|
|
|
Total ending allowance balance
|
|
$
|
714
|
|
|
$
|
1,991
|
|
|
$
|
1,389
|
|
|
$
|
1,174
|
|
|
$
|
5,268
|
|
|
March 31, 2021
|
|
Residential
Real Estate
|
|
|
Commercial
Real Estate
|
|
|
Commercial
and Industrial
|
|
|
Consumer
|
|
|
Total
|
|
|
Allowance for loan losses:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Beginning balance
|
|
$
|
1,480
|
|
|
$
|
2,431
|
|
|
$
|
1,776
|
|
|
$
|
1,473
|
|
|
$
|
7,160
|
|
|
Provision for loan losses
|
|
|
(116
|
)
|
|
|
(102
|
)
|
|
|
52
|
|
|
|
114
|
|
|
|
(52
|
)
|
|
Loans charged-off
|
|
|
(1
|
)
|
|
|
(10
|
)
|
|
|
(71
|
)
|
|
|
(359
|
)
|
|
|
(441
|
)
|
|
Recoveries
|
|
|
14
|
|
|
|
27
|
|
|
|
34
|
|
|
|
145
|
|
|
|
220
|
|
|
Total ending allowance balance
|
|
$
|
1,377
|
|
|
$
|
2,346
|
|
|
$
|
1,791
|
|
|
$
|
1,373
|
|
|
$
|
6,887
|
|
|
| Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method |
The following table presents the balance in the
allowance for loan losses and the recorded investment of loans by portfolio segment and based on impairment method as of March 31, 2022 and December 31, 2021:
|
March 31, 2022
|
|
Residential
Real Estate
|
|
|
Commercial
Real Estate
|
|
|
Commercial
and Industrial
|
|
|
Consumer
|
|
|
Total
|
|
|
Allowance for loan losses:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending allowance balance attributable to loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Individually evaluated for impairment
|
|
$
|
—
|
|
|
$
|
—
|
|
|
$
|
66
|
|
|
$
|
—
|
|
|
$
|
66
|
|
|
Collectively evaluated for impairment
|
|
|
714
|
|
|
|
1,991
|
|
|
|
1,323
|
|
|
|
1,174
|
|
|
|
5,202
|
|
|
Total ending allowance balance
|
|
$
|
714
|
|
|
$
|
1,991
|
|
|
$
|
1,389
|
|
|
$
|
1,174
|
|
|
$
|
5,268
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans individually evaluated for impairment
|
|
$
|
—
|
|
|
$
|
3,083
|
|
|
$
|
4,077
|
|
|
$
|
30
|
|
|
$
|
7,190
|
|
|
Loans collectively evaluated for impairment
|
|
|
270,576
|
|
|
|
264,055
|
|
|
|
140,083
|
|
|
|
129,742
|
|
|
|
804,456
|
|
|
Total ending loans balance
|
|
$
|
270,576
|
|
|
$
|
267,138
|
|
|
$
|
144,160
|
|
|
$
|
129,772
|
|
|
$
|
811,646
|
|
|
December 31, 2021
|
|
Residential
Real Estate
|
|
|
Commercial
Real Estate
|
|
|
Commercial
and Industrial
|
|
|
Consumer
|
|
|
Total
|
|
|
Allowance for loan losses:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Ending allowance balance attributable to loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Individually evaluated for impairment
|
|
$
|
—
|
|
|
$
|
—
|
|
|
$
|
10
|
|
|
$
|
—
|
|
|
$
|
10
|
|
|
Collectively evaluated for impairment
|
|
|
980
|
|
|
|
2,548
|
|
|
|
1,561
|
|
|
|
1,384
|
|
|
|
6,473
|
|
|
Total ending allowance balance
|
|
$
|
980
|
|
|
$
|
2,548
|
|
|
$
|
1,571
|
|
|
$
|
1,384
|
|
|
$
|
6,483
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans individually evaluated for impairment
|
|
$
|
—
|
|
|
$
|
5,411
|
|
|
$
|
4,531
|
|
|
$
|
81
|
|
|
$
|
10,023
|
|
|
Loans collectively evaluated for impairment
|
|
|
274,425
|
|
|
|
276,386
|
|
|
|
136,994
|
|
|
|
133,363
|
|
|
|
821,168
|
|
|
Total ending loans balance
|
|
$
|
274,425
|
|
|
$
|
281,797
|
|
|
$
|
141,525
|
|
|
$
|
133,444
|
|
|
$
|
831,191
|
|
|
| Loans Individually Evaluated for Impairment by Class of Loans |
The following tables present information related to loans individually evaluated for impairment
by class of loans as of March 31, 2022
and December 31, 2021:
|
March 31, 2022
|
|
Unpaid
Principal
Balance
|
|
|
Recorded
Investment
|
|
|
Allowance for
Loan Losses
Allocated
|
|
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial
|
|
$
|
1,730
|
|
|
$
|
1,730
|
|
|
$
|
66
|
|
|
With no related allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
|
2,737
|
|
|
|
2,700
|
|
|
|
—
|
|
|
Nonowner-occupied
|
|
|
383
|
|
|
|
383
|
|
|
|
—
|
|
|
Commercial and industrial
|
|
|
2,347
|
|
|
|
2,347
|
|
|
|
—
|
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Home equity
|
|
|
30
|
|
|
|
30
|
|
|
|
—
|
|
|
Total
|
|
$
|
7,227
|
|
|
$
|
7,190
|
|
|
$
|
66
|
|
|
December 31, 2021
|
|
Unpaid
Principal
Balance
|
|
|
Recorded
Investment
|
|
|
Allowance for
Loan Losses
Allocated
|
|
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial
|
|
$
|
1,993
|
|
|
$
|
1,993
|
|
|
$
|
10
|
|
|
With no related allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
|
5,052
|
|
|
|
5,027
|
|
|
|
—
|
|
|
Nonowner-occupied
|
|
|
384
|
|
|
|
384
|
|
|
|
—
|
|
|
Commercial and industrial
|
|
|
2,538
|
|
|
|
2,538
|
|
|
|
—
|
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Home equity
|
|
|
31
|
|
|
|
31
|
|
|
|
—
|
|
|
Other
|
|
|
50
|
|
|
|
50
|
|
|
|
—
|
|
|
Total
|
|
$
|
10,048
|
|
|
$
|
10,023
|
|
|
$
|
10
|
|
The following tables present information related to loans individually evaluated for impairment by class of loans for the three months ended March 31, 2022 and 2021:
|
|
|
Three months ended
March 31, 2022
|
|
| |
|
Average
Impaired Loans
|
|
|
Interest Income
Recognized
|
|
|
Cash Basis
Interest Recognized
|
|
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
Commercial and industrial
|
|
$
|
1,862
|
|
|
$
|
40
|
|
|
$
|
40
|
|
|
With no related allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
|
2,713
|
|
|
|
39
|
|
|
|
39
|
|
|
Nonowner-occupied
|
|
|
384
|
|
|
|
7
|
|
|
|
7
|
|
|
Commercial and industrial
|
|
|
2,323
|
|
|
|
23
|
|
|
|
23
|
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Home equity
|
|
|
30
|
|
|
|
1
|
|
|
|
1
|
|
|
Total
|
|
$
|
7,312
|
|
|
$
|
110
|
|
|
$
|
110
|
|
|
|
|
Three months ended
March 31, 2021
|
|
| |
|
Average
Impaired Loans
|
|
|
Interest Income
Recognized
|
|
|
Cash Basis
Interest Recognized
|
|
|
With an allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
$
|
2,109
|
|
|
$
|
43
|
|
|
$
|
43
|
|
|
Commercial and industrial
|
|
|
281
|
|
|
|
4
|
|
|
|
4
|
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Other
|
|
|
50
|
|
|
|
1
|
|
|
|
1
|
|
|
With no related allowance recorded:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential real estate
|
|
|
207
|
|
|
|
3
|
|
|
|
3
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
|
3,128
|
|
|
|
34
|
|
|
|
34
|
|
|
Nonowner-occupied
|
|
|
389
|
|
|
|
7
|
|
|
|
7
|
|
|
Commercial and industrial
|
|
|
3,718
|
|
|
|
47
|
|
|
|
47
|
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Home equity
|
|
|
33
|
|
|
|
1
|
|
|
|
1
|
|
|
Total
|
|
$
|
9,915
|
|
|
$
|
140
|
|
|
$
|
140
|
|
|
| Recorded Investment in Nonaccrual and Loans Past Due Over 90 Days Still on Accrual by Class of Loans |
The following table presents the recorded investment of
nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of March 31, 2022 and December 31, 2021:
|
March 31, 2022
|
|
Loans Past Due
90 Days And
Still Accruing
|
|
|
Nonaccrual
|
|
| |
|
|
|
|
|
|
|
Residential real estate
|
|
$
|
8
|
|
|
$
|
2,260
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
|
—
|
|
|
|
1,024
|
|
|
Nonowner-occupied
|
|
|
—
|
|
|
|
70
|
|
|
Construction
|
|
|
—
|
|
|
|
56
|
|
|
Commercial and industrial
|
|
|
—
|
|
|
|
155
|
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
Automobile
|
|
|
73
|
|
|
|
39
|
|
|
Home equity
|
|
|
—
|
|
|
|
146
|
|
|
Other
|
|
|
379
|
|
|
|
27
|
|
|
Total
|
|
$
|
460
|
|
|
$
|
3,777
|
|
|
December 31, 2021
|
|
Loans Past Due
90 Days And
Still Accruing
|
|
|
Nonaccrual
|
|
| |
|
|
|
|
|
|
|
Residential real estate
|
|
$
|
10
|
|
|
$
|
2,683
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
|
—
|
|
|
|
1,055
|
|
|
Nonowner-occupied
|
|
|
—
|
|
|
|
—
|
|
|
Construction
|
|
|
—
|
|
|
|
146
|
|
|
Commercial and industrial
|
|
|
65
|
|
|
|
150
|
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
Automobile
|
|
|
55
|
|
|
|
147
|
|
|
Home equity
|
|
|
—
|
|
|
|
148
|
|
|
Other
|
|
|
160
|
|
|
|
17
|
|
|
Total
|
|
$
|
290
|
|
|
$
|
4,346
|
|
|
| Aging of Recorded Investment in Past Due Loans by Class of Loans |
The following table presents the aging of the recorded investment of past due loans by class of loans as of March 31, 2022 and December 31, 2021:
|
March 31, 2022
|
|
30-59
Days
Past Due
|
|
|
60-89
Days
Past Due
|
|
|
90 Days
Or More
Past Due
|
|
|
Total
Past Due
|
|
|
Loans Not
Past Due
|
|
|
Total
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential real estate
|
|
$
|
1,603
|
|
|
$
|
1,019
|
|
|
$
|
746
|
|
|
$
|
3,368
|
|
|
$
|
267,208
|
|
|
$
|
270,576
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
|
711
|
|
|
|
188
|
|
|
|
140
|
|
|
|
1,039
|
|
|
|
70,981
|
|
|
|
72,020
|
|
|
Nonowner-occupied
|
|
|
261
|
|
|
|
—
|
|
|
|
70
|
|
|
|
331
|
|
|
|
162,752
|
|
|
|
163,083
|
|
|
Construction
|
|
|
10
|
|
|
|
—
|
|
|
|
33
|
|
|
|
43
|
|
|
|
31,992
|
|
|
|
32,035
|
|
|
Commercial and industrial
|
|
|
92
|
|
|
|
148
|
|
|
|
155
|
|
|
|
395
|
|
|
|
143,765
|
|
|
|
144,160
|
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Automobile
|
|
|
657
|
|
|
|
131
|
|
|
|
109
|
|
|
|
897
|
|
|
|
46,125
|
|
|
|
47,022
|
|
|
Home equity
|
|
|
-
|
|
|
|
150
|
|
|
|
47
|
|
|
|
197
|
|
|
|
22,573
|
|
|
|
22,770
|
|
|
Other
|
|
|
239
|
|
|
|
42
|
|
|
|
399
|
|
|
|
680
|
|
|
|
59,300
|
|
|
|
59,980
|
|
|
Total
|
|
$
|
3,573
|
|
|
$
|
1,678
|
|
|
$
|
1,699
|
|
|
$
|
6,950
|
|
|
$
|
804,696
|
|
|
$
|
811,646
|
|
|
December 31, 2021
|
|
30-59
Days
Past Due
|
|
|
60-89
Days
Past Due
|
|
|
90 Days
Or More
Past Due
|
|
|
Total
Past Due
|
|
|
Loans Not
Past Due
|
|
|
Total
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential real estate
|
|
$
|
2,208
|
|
|
$
|
1,218
|
|
|
$
|
921
|
|
|
$
|
4,347
|
|
|
$
|
270,078
|
|
|
$
|
274,425
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
|
895
|
|
|
|
—
|
|
|
|
153
|
|
|
|
1,048
|
|
|
|
70,931
|
|
|
|
71,979
|
|
|
Nonowner-occupied
|
|
|
100
|
|
|
|
—
|
|
|
|
—
|
|
|
|
100
|
|
|
|
176,000
|
|
|
|
176,100
|
|
|
Construction
|
|
|
36
|
|
|
|
53
|
|
|
|
33
|
|
|
|
122
|
|
|
|
33,596
|
|
|
|
33,718
|
|
|
Commercial and industrial
|
|
|
517
|
|
|
|
60
|
|
|
|
215
|
|
|
|
792
|
|
|
|
140,733
|
|
|
|
141,525
|
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Automobile
|
|
|
656
|
|
|
|
148
|
|
|
|
194
|
|
|
|
998
|
|
|
|
47,208
|
|
|
|
48,206
|
|
|
Home equity
|
|
|
35
|
|
|
|
165
|
|
|
|
47
|
|
|
|
247
|
|
|
|
22,128
|
|
|
|
22,375
|
|
|
Other
|
|
|
401
|
|
|
|
133
|
|
|
|
177
|
|
|
|
711
|
|
|
|
62,152
|
|
|
|
62,863
|
|
|
Total
|
|
$
|
4,848
|
|
|
$
|
1,777
|
|
|
$
|
1,740
|
|
|
$
|
8,365
|
|
|
$
|
822,826
|
|
|
$
|
831,191
|
|
|
| Troubled Debt Restructuring Loan Modifications |
The following table presents the types of TDR loan modifications by class of loans as of March 31, 2022 and December 31, 2021:
|
March 31, 2022
|
|
TDRs
Performing to
Modified
Terms
|
|
|
TDRs Not
Performing to
Modified
Terms
|
|
|
Total
TDRs
|
|
| |
|
|
|
|
|
|
|
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
|
|
|
|
|
|
|
|
|
Reduction of principal and interest payments
|
|
$
|
1,446
|
|
|
$
|
—
|
|
|
$
|
1,446
|
|
|
Credit extension at lower stated rate than market rate
|
|
|
371
|
|
|
|
—
|
|
|
|
371
|
|
|
Nonowner-occupied
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Credit extension at lower stated rate than market rate
|
|
|
383
|
|
|
|
—
|
|
|
|
383
|
|
|
Commercial and industrial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest only payments
|
|
|
2,347
|
|
|
|
—
|
|
|
|
2,347
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Total TDRs
|
|
$
|
4,547
|
|
|
$
|
—
|
|
|
$
|
4,547
|
|
|
December 31, 2021
|
|
TDRs
Performing to
Modified
Terms
|
|
|
TDRs Not
Performing to
Modified
Terms
|
|
|
Total
TDRs
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
|
|
|
|
|
|
|
|
|
Reduction of principal and interest payments
|
|
$
|
1,455
|
|
|
$
|
—
|
|
|
$
|
1,455
|
|
|
Maturity extension at lower stated rate than market rate
|
|
|
268
|
|
|
|
—
|
|
|
|
268
|
|
|
Credit extension at lower stated rate than market rate
|
|
|
375
|
|
|
|
—
|
|
|
|
375
|
|
|
Nonowner-occupied
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Credit extension at lower stated rate than market rate
|
|
|
385
|
|
|
|
—
|
|
|
|
385
|
|
|
Commercial and industrial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest only payments
|
|
|
2,301
|
|
|
|
—
|
|
|
|
2,301
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
Total TDRs
|
|
$
|
4,784
|
|
|
$
|
—
|
|
|
$
|
4,784
|
|
|
| Financing Receivable Credit Quality Indicators |
As of March 31, 2022 and December 31, 2021, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows:
|
March 31, 2022
|
|
Pass
|
|
|
Criticized
|
|
|
Classified
|
|
|
Total
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
$
|
67,374
|
|
|
$
|
2,611
|
|
|
$
|
2,035
|
|
|
$
|
72,020
|
|
|
Nonowner-occupied
|
|
|
162,817
|
|
|
|
—
|
|
|
|
266
|
|
|
|
163,083
|
|
|
Construction
|
|
|
32,002
|
|
|
|
—
|
|
|
|
33
|
|
|
|
32,035
|
|
|
Commercial and industrial
|
|
|
137,896
|
|
|
|
2,032
|
|
|
|
4,232
|
|
|
|
144,160
|
|
|
Total
|
|
$
|
400,089
|
|
|
$
|
4,643
|
|
|
$
|
6,566
|
|
|
$
|
411,298
|
|
|
December 31, 2021
|
|
Pass
|
|
|
Criticized
|
|
|
Classified
|
|
|
Total
|
|
|
Commercial real estate:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Owner-occupied
|
|
$
|
66,999
|
|
|
$
|
618
|
|
|
$
|
4,362
|
|
|
$
|
71,979
|
|
|
Nonowner-occupied
|
|
|
175,901
|
|
|
|
—
|
|
|
|
199
|
|
|
|
176,100
|
|
|
Construction
|
|
|
33,685
|
|
|
|
—
|
|
|
|
33
|
|
|
|
33,718
|
|
|
Commercial and industrial
|
|
|
134,983
|
|
|
|
1,862
|
|
|
|
4,680
|
|
|
|
141,525
|
|
|
Total
|
|
$
|
411,568
|
|
|
$
|
2,480
|
|
|
$
|
9,274
|
|
|
$
|
423,322
|
|
|
| Recorded Investment of Residential and Consumer Loans |
For residential and consumer loan classes, the Company evaluates credit quality based on the aging status
of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment of residential and consumer loans by class of loans based on repayment activity as of March 31, 2022 and December 31, 2021:
|
March 31, 2022
|
|
Consumer
|
|
|
Residential
|
|
|
|
|
| |
|
Automobile
|
|
|
Home Equity
|
|
|
Other
|
|
|
Real Estate
|
|
|
Total
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
$
|
46,910
|
|
|
$
|
22,624
|
|
|
$
|
59,574
|
|
|
$
|
268,308
|
|
|
$
|
397,416
|
|
|
Nonperforming
|
|
|
112
|
|
|
|
146
|
|
|
|
406
|
|
|
|
2,268
|
|
|
|
2,932
|
|
|
Total
|
|
$
|
47,022
|
|
|
$
|
22,770
|
|
|
$
|
59,980
|
|
|
$
|
270,576
|
|
|
$
|
400,348
|
|
|
December 31, 2021
|
|
Consumer
|
|
|
Residential
|
|
|
|
|
| |
|
Automobile
|
|
|
Home Equity
|
|
|
Other
|
|
|
Real Estate
|
|
|
Total
|
|
| |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing
|
|
$
|
48,004
|
|
|
$
|
22,227
|
|
|
$
|
62,686
|
|
|
$
|
271,732
|
|
|
$
|
404,649
|
|
|
Nonperforming
|
|
|
202
|
|
|
|
148
|
|
|
|
177
|
|
|
|
2,693
|
|
|
|
3,220
|
|
|
Total
|
|
$
|
48,206
|
|
|
$
|
22,375
|
|
|
$
|
62,863
|
|
|
$
|
274,425
|
|
|
$
|
407,869
|
|
|