Loans and Leases (Tables)	12 Months Ended
Dec. 31, 2021
Loans and Leases [Abstract]
Loan Classifications	(dollars in thousands)December 31, 2021 December 31, 2020Commercial and industrial$ 236,304 $ 280,757Commercial real estate: Non-owner occupied 312,848 192,143Owner occupied 248,755 179,923Construction 21,147 10,231Consumer: Home equity installment 47,571 40,147Home equity line of credit 54,878 49,725Auto loans 118,029 98,386Direct finance leases 26,232 20,095Other 8,013 7,602Residential: Real estate 325,861 218,445Construction 34,919 23,357Total 1,434,557 1,120,811Less: Allowance for loan losses (15,624) (14,202)Unearned lease revenue (1,429) (1,159)Loans and leases, net$ 1,417,504 $ 1,105,450
Schedule of Accretable Yield	For the years ended(dollars in thousands)December 31, 2021 December 31, 2020Balance at beginning of period $ 563 $ -Accretable yield on acquired loans 589 248Reclassification from non-accretable difference 453 429Accretion of accretable yield (517) (114)Balance at end of period$ 1,088 $ 563
Non-Accrual Loans, Segregated by Class	(dollars in thousands)December 31, 2021 December 31, 2020Commercial and industrial$ 154 $ 590Commercial real estate: Non-owner occupied 478 846Owner occupied 1,570 1,123Consumer: Home equity installment - 61Home equity line of credit 97 395Auto loans 78 27Residential: Real estate 572 727Total$ 2,949 $ 3,769
Information Related to Loans Modified in Troubled Debt Restructuring, by Class	Loans modified as TDRs for the twelve months ended:(dollars in thousands)December 31, 2021 December 31, 2020 Recorded Increase in Recorded Increase in Number investment allowance Number investment allowance of (as of (as of of (as of (as of contracts period end) period end) contracts period end) period end)Commercial and industrial - $ - $ - 2 $ 206 $ 66Commercial real estate - non-owner occupied - - - 2 1,598 453Commercial real estate - owner occupied 1 512 - - - -Total 1 $ 512 $ - 4 $ 1,804 $ 519 In the above table, the period end balance is inclusive of all partial pay downs and charge-offs since the modification date. For all loans modified in a TDR, the pre-modification recorded investment was the same as the post-modification recorded investment.
Loans Modified as TDR that Subsequently Defaulted	Loans modified as a TDR within the previous twelve months that subsequently defaulted during the twelve months ended:(dollars in thousands)December 31, 2021 December 31, 2020 Number of Recorded Number of Recorded contracts investment contracts investmentCommercial and industrial - $ - 2 $ 206Total - $ - 2 $ 206 In the above table, the period end balances are inclusive of all partial pay downs and charge-offs since the modification date.
Past Due Loans	Recorded Past due investment past 30 - 59 Days 60 - 89 Days 90 days Total Total due ≥ 90 days December 31, 2021past due past due or more (1) past due Current loans (3) and accruing Commercial and industrial$ - $ 4 $ 154 $ 158 $ 236,146 $ 236,304 $ -Commercial real estate: Non-owner occupied - 675 478 1,153 311,695 312,848 -Owner occupied - - 1,570 1,570 247,185 248,755 -Construction - - - - 21,147 21,147 -Consumer: Home equity installment 87 32 - 119 47,452 47,571 -Home equity line of credit - - 97 97 54,781 54,878 -Auto loans 410 45 78 533 117,496 118,029 -Direct finance leases 173 38 64 275 24,528 24,803 (2) 64 Other 49 17 - 66 7,947 8,013 -Residential: Real estate - 452 572 1,024 324,837 325,861 -Construction - - - - 34,919 34,919 -Total$ 719 $ 1,263 $ 3,013 $ 4,995 $ 1,428,133 $ 1,433,128 $ 64 (1) Includes non-accrual loans. (2) Net of unearned lease revenue of $1.4 million. (3) Includes net deferred loan costs of $3.0 million. Recorded Past due investment past 30 - 59 Days 60 - 89 Days 90 days Total Total due ≥ 90 days December 31, 2020past due past due or more (1) past due Current loans (3) and accruing Commercial and industrial$ 288 505 590 1,383 279,374 280,757 -Commercial real estate: Non-owner occupied 79 - 846 925 191,218 192,143 -Owner occupied 1 - 1,123 1,124 178,799 179,923 -Construction - - - - 10,231 10,231 -Consumer: Home equity installment 102 - 61 163 39,984 40,147 -Home equity line of credit 24 - 395 419 49,306 49,725 -Auto loans 197 25 27 249 98,137 98,386 -Direct finance leases 294 - 61 355 18,581 18,936 (2) 61 Other 9 - - 9 7,593 7,602 -Residential: Real estate - 74 727 801 217,644 218,445 -Construction - - - - 23,357 23,357 -Total$ 994 $ 604 $ 3,830 $ 5,428 $ 1,114,224 $ 1,119,652 $ 61 (1) Includes non-accrual loans. (2) Net of unearned lease revenue of $1.2 million. (3) Includes net deferred loan costs of $1.7 million.
Impaired Loans	Impaired loans, segregated by class, as of the period indicated are detailed below: Recorded Recorded Unpaid investment investment Total principal with with no recorded Related(dollars in thousands)balance allowance allowance investment allowanceDecember 31, 2021 Commercial and industrial$ 218 $ 18 $ 136 $ 154 $ 18 Commercial real estate: Non-owner occupied 2,470 1,674 796 2,470 474 Owner occupied 3,185 1,802 762 2,564 763 Consumer: Home equity installment 33 - - - -Home equity line of credit 137 - 97 97 -Auto loans 98 10 68 78 4 Residential: Real estate 699 - 572 572 -Total$ 6,840 $ 3,504 $ 2,431 $ 5,935 $ 1,259 Recorded Recorded Unpaid investment investment Total principal with with no recorded Related(dollars in thousands)balance allowance allowance investment allowanceDecember 31, 2020 Commercial and industrial$ 688 $ 549 $ 41 $ 590 $ 213 Commercial real estate: Non-owner occupied 2,960 1,677 1,171 2,848 481 Owner occupied 2,058 1,219 473 1,692 309 Consumer: Home equity installment 106 - 61 61 -Home equity line of credit 443 105 290 395 48 Auto loans 50 27 - 27 4 Residential: Real estate 774 559 168 727 151 Total$ 7,079 $ 4,136 $ 2,204 $ 6,340 $ 1,206 At December 31, 2021, impaired loans totaled $5.9 million consisting of $3.0 million in accruing TDRs and $2.9 million in non-accrual loans. At December 31, 2020, impaired loans totaled $6.3 million consisting of $2.5 million in accruing TDRs and $3.8 million in non-accrual loans. As of December 31, 2021, the non-accrual loans included three TDRs to two unrelated borrowers totaling $0.6 million compared with four TDRs to three unrelated borrowers totaling $0.7 million as of December 31, 2020.A loan is considered impaired when, based on current information and events; it is probable that the Company will be unable to collect the payments in accordance with the contractual terms of the loan. Factors considered in determining impairment include payment status, collateral value, and the probability of collecting payments when due. The significance of payment delays and/or shortfalls is determined on a case-by-case basis. All circumstances surrounding the loan are considered. Such factors include the length of the delinquency, the underlying reasons and the borrower’s prior payment record. Impairment is measured on these loans on a loan-by-loan basis. Impaired loans include non-accrual loans, TDRs and other loans deemed to be impaired based on the aforementioned factors.The following table presents the average recorded investments in impaired loans and related amount of interest income recognized during the periods indicated below. The average balances are calculated based on the quarter-end balances of impaired loans. Payments received from non-accruing impaired loans are first applied against the outstanding principal balance, then to the recovery of any charged-off amounts. Any excess is treated as a recovery of interest income. Payments received from accruing impaired loans are applied to principal and interest, as contractually agreed upon.‎ December 31, 2021 December 31, 2020 Cash basis Cash basis Average Interest interest Average Interest interest recorded income income recorded income income(dollars in thousands)investment recognized recognized investment recognized recognized Commercial and industrial$ 380 $ 2 $ - $ 404 $ 1 $ -Commercial real estate: Non-owner occupied 2,698 195 - 1,939 96 -Owner occupied 1,883 55 - 1,848 48 -Construction - - - - - -Consumer: Home equity installment 28 6 - 53 - -Home equity line of credit 202 20 - 368 - -Auto loans 42 2 - 51 2 -Direct finance leases - - - - - -Other - - - - - -Residential: Real estate 682 - - 819 - -Construction - - - - - -Total$ 5,915 $ 280 $ - $ 5,482 $ 147 $ -
Credit Quality Indicator Loan Categories	Commercial credit exposureCredit risk profile by creditworthiness category December 31, 2021(dollars in thousands)Pass Special mention Substandard Doubtful Total Commercial and industrial$ 234,822 $ 339 $ 2,400 $ - $ 237,561 Commercial real estate - non-owner occupied 289,679 16,614 6,555 - 312,848 Commercial real estate - owner occupied 228,889 7,089 11,520 - 247,498 Commercial real estate - construction 21,147 - - - 21,147 Total commercial$ 774,537 $ 24,042 $ 20,475 $ - $ 819,054 Consumer & Mortgage lending credit exposureCredit risk profile based on payment activity December 31, 2021(dollars in thousands) Performing Non-performing TotalConsumer Home equity installment $ 47,571 $ - $ 47,571 Home equity line of credit 54,781 97 54,878 Auto loans 117,951 78 118,029 Direct finance leases (1) 24,739 64 24,803 Other 8,013 - 8,013 Total consumer 253,055 239 253,294 Residential Real estate 325,289 572 325,861 Construction 34,919 - 34,919 Total residential 360,208 572 360,780 Total consumer & residential $ 613,263 $ 811 $ 614,074 (1)Net of unearned lease revenue of $1.4 million. Commercial credit exposureCredit risk profile by creditworthiness category December 31, 2020(dollars in thousands)Pass Special mention Substandard Doubtful Total Commercial and industrial$ 272,889 $ 4,162 $ 3,706 $ - $ 280,757 Commercial real estate - non-owner occupied 179,311 6,445 6,387 - 192,143 Commercial real estate - owner occupied 167,873 3,241 8,809 - 179,923 Commercial real estate - construction 8,635 1,233 363 - 10,231 Total commercial$ 628,708 $ 15,081 $ 19,265 $ - $ 663,054 ‎ Consumer & Mortgage lending credit exposureCredit risk profile based on payment activity December 31, 2020(dollars in thousands) Performing Non-performing Total Consumer Home equity installment $ 40,086 $ 61 $ 40,147 Home equity line of credit 49,330 395 49,725 Auto loans 98,359 27 98,386 Direct finance leases (2) 18,875 61 18,936 Other 7,602 - 7,602 Total consumer 214,252 544 214,796 Residential Real estate 217,718 727 218,445 Construction 23,357 - 23,357 Total residential 241,075 727 241,802 Total consumer & residential $ 455,327 $ 1,271 $ 456,598 (2) Net of unearned lease revenue of $1.2 million.
Schedule of Change in Allowance for Loan Losses and the Recorded Investment in Loans	As of and for the year ended December 31, 2021 Commercial & Commercial Residential (dollars in thousands)industrial real estate Consumer real estate Unallocated TotalAllowance for Loan Losses: Beginning balance$ 2,407 $ 6,383 $ 2,552 $ 2,781 $ 79 $ 14,202 Charge-offs (130) (491) (206) (162) - (989)Recoveries 23 250 138 - - 411 Provision (96) 1,280 (80) 889 7 2,000 Ending balance$ 2,204 $ 7,422 $ 2,404 $ 3,508 $ 86 $ 15,624 Ending balance: individually evaluated for impairment$ 18 $ 1,237 $ 4 $ - $ - $ 1,259 Ending balance: collectively evaluated for impairment$ 2,186 $ 6,185 $ 2,400 $ 3,508 $ 86 $ 14,365 Loans Receivables: Ending balance (2)$ 236,304 $ 582,750 $ 253,294 (1)$ 360,780 $ - $ 1,433,128 Ending balance: individually evaluated for impairment$ 154 $ 5,034 $ 175 $ 572 $ - $ 5,935 Ending balance: collectively evaluated for impairment$ 236,150 $ 577,716 $ 253,119 $ 360,208 $ - $ 1,427,193 (1) Net of unearned lease revenue of $1.4 million. (2) Includes $3.0 million of net deferred loan costs. As of and for the year ended December 31, 2020 Commercial & Commercial Residential (dollars in thousands)industrial real estate Consumer real estate Unallocated TotalAllowance for Loan Losses: Beginning balance$ 1,484 $ 3,933 $ 2,013 $ 2,278 $ 39 $ 9,747 Charge-offs (372) (465) (296) (35) - (1,168)Recoveries 26 30 120 197 - 373 Provision 1,269 2,885 715 341 40 5,250 Ending balance$ 2,407 $ 6,383 $ 2,552 $ 2,781 $ 79 $ 14,202 Ending balance: individually evaluated for impairment$ 213 $ 790 $ 52 $ 151 $ - $ 1,206 Ending balance: collectively evaluated for impairment$ 2,194 $ 5,593 $ 2,500 $ 2,630 $ 79 $ 12,996 Loans Receivables: Ending balance (2)$ 280,757 $ 382,297 $ 214,796 (1)$ 241,802 $ - $ 1,119,652 Ending balance: individually evaluated for impairment$ 590 $ 4,540 $ 483 $ 727 $ - $ 6,340 Ending balance: collectively evaluated for impairment$ 280,167 $ 377,757 $ 214,313 $ 241,075 $ - $ 1,113,312 (1) Net of unearned lease revenue of $1.2 million. (2) Includes $1.7 million of net deferred loan costs. ‎ As of and for the year ended December 31, 2019 Commercial & Commercial Residential (dollars in thousands)industrial real estate Consumer real estate Unallocated TotalAllowance for Loan Losses: Beginning balance$ 1,432 $ 3,901 $ 2,548 $ 1,844 $ 22 $ 9,747 Charge-offs (184) (597) (398) (330) - (1,509)Recoveries 32 317 67 8 - 424 Provision 204 312 (204) 756 17 1,085 Ending balance$ 1,484 $ 3,933 $ 2,013 $ 2,278 $ 39 $ 9,747
Undiscounted Cash Flows to be Received on Annual Basis for Direct Finance Leases	(dollars in thousands)Amount 2022$ 7,8812023 6,2862024 8,4972025 3,4442026 1242027 and thereafter -Total future minimum lease payments receivable 26,232Less: Unearned income (1,429)Undiscounted cash flows to be received$ 24,803

Loans and Leases (Tables)

12 Months Ended

Dec. 31, 2021

(dollars in thousands)December 31, 2021 December 31, 2020Commercial and industrial$ 236,304 $ 280,757Commercial real estate: Non-owner occupied 312,848 192,143Owner occupied 248,755 179,923Construction 21,147 10,231Consumer: Home equity installment 47,571 40,147Home equity line of credit 54,878 49,725Auto loans 118,029 98,386Direct finance leases 26,232 20,095Other 8,013 7,602Residential: Real estate 325,861 218,445Construction 34,919 23,357Total 1,434,557 1,120,811Less: Allowance for loan losses (15,624) (14,202)Unearned lease revenue (1,429) (1,159)Loans and leases, net$ 1,417,504 $ 1,105,450

Schedule of Accretable Yield

For the years ended(dollars in thousands)December 31, 2021 December 31, 2020Balance at beginning of period $ 563 $ -Accretable yield on acquired loans 589 248Reclassification from non-accretable difference 453 429Accretion of accretable yield (517) (114)Balance at end of period$ 1,088 $ 563

Non-Accrual Loans, Segregated by Class

(dollars in thousands)December 31, 2021 December 31, 2020Commercial and industrial$ 154 $ 590Commercial real estate: Non-owner occupied 478 846Owner occupied 1,570 1,123Consumer: Home equity installment - 61Home equity line of credit 97 395Auto loans 78 27Residential: Real estate 572 727Total$ 2,949 $ 3,769

Loans modified as TDRs for the twelve months ended:(dollars in thousands)December 31, 2021 December 31, 2020 Recorded Increase in Recorded Increase in Number investment allowance Number investment allowance of (as of (as of of (as of (as of contracts period end) period end) contracts period end) period end)Commercial and industrial - $ - $ - 2 $ 206 $ 66Commercial real estate - non-owner occupied - - - 2 1,598 453Commercial real estate - owner occupied 1 512 - - - -Total 1 $ 512 $ - 4 $ 1,804 $ 519 In the above table, the period end balance is inclusive of all partial pay downs and charge-offs since the modification date. For all loans modified in a TDR, the pre-modification recorded investment was the same as the post-modification recorded investment.

Loans Modified as TDR that Subsequently Defaulted

Loans modified as a TDR within the previous twelve months that subsequently defaulted during the twelve months ended:(dollars in thousands)December 31, 2021 December 31, 2020 Number of Recorded Number of Recorded contracts investment contracts investmentCommercial and industrial - $ - 2 $ 206Total - $ - 2 $ 206 In the above table, the period end balances are inclusive of all partial pay downs and charge-offs since the modification date.

Past Due Loans

Recorded Past due investment past 30 - 59 Days 60 - 89 Days 90 days Total Total due ≥ 90 days December 31, 2021past due past due or more (1) past due Current loans (3) and accruing Commercial and industrial$ - $ 4 $ 154 $ 158 $ 236,146 $ 236,304 $ -Commercial real estate: Non-owner occupied - 675 478 1,153 311,695 312,848 -Owner occupied - - 1,570 1,570 247,185 248,755 -Construction - - - - 21,147 21,147 -Consumer: Home equity installment 87 32 - 119 47,452 47,571 -Home equity line of credit - - 97 97 54,781 54,878 -Auto loans 410 45 78 533 117,496 118,029 -Direct finance leases 173 38 64 275 24,528 24,803 (2) 64 Other 49 17 - 66 7,947 8,013 -Residential: Real estate - 452 572 1,024 324,837 325,861 -Construction - - - - 34,919 34,919 -Total$ 719 $ 1,263 $ 3,013 $ 4,995 $ 1,428,133 $ 1,433,128 $ 64 (1) Includes non-accrual loans. (2) Net of unearned lease revenue of $1.4 million. (3) Includes net deferred loan costs of $3.0 million. Recorded Past due investment past 30 - 59 Days 60 - 89 Days 90 days Total Total due ≥ 90 days December 31, 2020past due past due or more (1) past due Current loans (3) and accruing Commercial and industrial$ 288 505 590 1,383 279,374 280,757 -Commercial real estate: Non-owner occupied 79 - 846 925 191,218 192,143 -Owner occupied 1 - 1,123 1,124 178,799 179,923 -Construction - - - - 10,231 10,231 -Consumer: Home equity installment 102 - 61 163 39,984 40,147 -Home equity line of credit 24 - 395 419 49,306 49,725 -Auto loans 197 25 27 249 98,137 98,386 -Direct finance leases 294 - 61 355 18,581 18,936 (2) 61 Other 9 - - 9 7,593 7,602 -Residential: Real estate - 74 727 801 217,644 218,445 -Construction - - - - 23,357 23,357 -Total$ 994 $ 604 $ 3,830 $ 5,428 $ 1,114,224 $ 1,119,652 $ 61 (1) Includes non-accrual loans. (2) Net of unearned lease revenue of $1.2 million. (3) Includes net deferred loan costs of $1.7 million.

Impaired Loans

Impaired loans, segregated by class, as of the period indicated are detailed below: Recorded Recorded Unpaid investment investment Total principal with with no recorded Related(dollars in thousands)balance allowance allowance investment allowanceDecember 31, 2021 Commercial and industrial$ 218 $ 18 $ 136 $ 154 $ 18 Commercial real estate: Non-owner occupied 2,470 1,674 796 2,470 474 Owner occupied 3,185 1,802 762 2,564 763 Consumer: Home equity installment 33 - - - -Home equity line of credit 137 - 97 97 -Auto loans 98 10 68 78 4 Residential: Real estate 699 - 572 572 -Total$ 6,840 $ 3,504 $ 2,431 $ 5,935 $ 1,259 Recorded Recorded Unpaid investment investment Total principal with with no recorded Related(dollars in thousands)balance allowance allowance investment allowanceDecember 31, 2020 Commercial and industrial$ 688 $ 549 $ 41 $ 590 $ 213 Commercial real estate: Non-owner occupied 2,960 1,677 1,171 2,848 481 Owner occupied 2,058 1,219 473 1,692 309 Consumer: Home equity installment 106 - 61 61 -Home equity line of credit 443 105 290 395 48 Auto loans 50 27 - 27 4 Residential: Real estate 774 559 168 727 151 Total$ 7,079 $ 4,136 $ 2,204 $ 6,340 $ 1,206 At December 31, 2021, impaired loans totaled $5.9 million consisting of $3.0 million in accruing TDRs and $2.9 million in non-accrual loans. At December 31, 2020, impaired loans totaled $6.3 million consisting of $2.5 million in accruing TDRs and $3.8 million in non-accrual loans. As of December 31, 2021, the non-accrual loans included three TDRs to two unrelated borrowers totaling $0.6 million compared with four TDRs to three unrelated borrowers totaling $0.7 million as of December 31, 2020.A loan is considered impaired when, based on current information and events; it is probable that the Company will be unable to collect the payments in accordance with the contractual terms of the loan. Factors considered in determining impairment include payment status, collateral value, and the probability of collecting payments when due. The significance of payment delays and/or shortfalls is determined on a case-by-case basis. All circumstances surrounding the loan are considered. Such factors include the length of the delinquency, the underlying reasons and the borrower’s prior payment record. Impairment is measured on these loans on a loan-by-loan basis. Impaired loans include non-accrual loans, TDRs and other loans deemed to be impaired based on the aforementioned factors.The following table presents the average recorded investments in impaired loans and related amount of interest income recognized during the periods indicated below. The average balances are calculated based on the quarter-end balances of impaired loans. Payments received from non-accruing impaired loans are first applied against the outstanding principal balance, then to the recovery of any charged-off amounts. Any excess is treated as a recovery of interest income. Payments received from accruing impaired loans are applied to principal and interest, as contractually agreed upon.‎ December 31, 2021 December 31, 2020 Cash basis Cash basis Average Interest interest Average Interest interest recorded income income recorded income income(dollars in thousands)investment recognized recognized investment recognized recognized Commercial and industrial$ 380 $ 2 $ - $ 404 $ 1 $ -Commercial real estate: Non-owner occupied 2,698 195 - 1,939 96 -Owner occupied 1,883 55 - 1,848 48 -Construction - - - - - -Consumer: Home equity installment 28 6 - 53 - -Home equity line of credit 202 20 - 368 - -Auto loans 42 2 - 51 2 -Direct finance leases - - - - - -Other - - - - - -Residential: Real estate 682 - - 819 - -Construction - - - - - -Total$ 5,915 $ 280 $ - $ 5,482 $ 147 $ -

Credit Quality Indicator Loan Categories

Commercial credit exposureCredit risk profile by creditworthiness category December 31, 2021(dollars in thousands)Pass Special mention Substandard Doubtful Total Commercial and industrial$ 234,822 $ 339 $ 2,400 $ - $ 237,561 Commercial real estate - non-owner occupied 289,679 16,614 6,555 - 312,848 Commercial real estate - owner occupied 228,889 7,089 11,520 - 247,498 Commercial real estate - construction 21,147 - - - 21,147 Total commercial$ 774,537 $ 24,042 $ 20,475 $ - $ 819,054 Consumer & Mortgage lending credit exposureCredit risk profile based on payment activity December 31, 2021(dollars in thousands) Performing Non-performing TotalConsumer Home equity installment $ 47,571 $ - $ 47,571 Home equity line of credit 54,781 97 54,878 Auto loans 117,951 78 118,029 Direct finance leases (1) 24,739 64 24,803 Other 8,013 - 8,013 Total consumer 253,055 239 253,294 Residential Real estate 325,289 572 325,861 Construction 34,919 - 34,919 Total residential 360,208 572 360,780 Total consumer & residential $ 613,263 $ 811 $ 614,074 (1)Net of unearned lease revenue of $1.4 million. Commercial credit exposureCredit risk profile by creditworthiness category December 31, 2020(dollars in thousands)Pass Special mention Substandard Doubtful Total Commercial and industrial$ 272,889 $ 4,162 $ 3,706 $ - $ 280,757 Commercial real estate - non-owner occupied 179,311 6,445 6,387 - 192,143 Commercial real estate - owner occupied 167,873 3,241 8,809 - 179,923 Commercial real estate - construction 8,635 1,233 363 - 10,231 Total commercial$ 628,708 $ 15,081 $ 19,265 $ - $ 663,054 ‎ Consumer & Mortgage lending credit exposureCredit risk profile based on payment activity December 31, 2020(dollars in thousands) Performing Non-performing Total Consumer Home equity installment $ 40,086 $ 61 $ 40,147 Home equity line of credit 49,330 395 49,725 Auto loans 98,359 27 98,386 Direct finance leases (2) 18,875 61 18,936 Other 7,602 - 7,602 Total consumer 214,252 544 214,796 Residential Real estate 217,718 727 218,445 Construction 23,357 - 23,357 Total residential 241,075 727 241,802 Total consumer & residential $ 455,327 $ 1,271 $ 456,598 (2) Net of unearned lease revenue of $1.2 million.

Schedule of Change in Allowance for Loan Losses and the Recorded Investment in Loans

As of and for the year ended December 31, 2021 Commercial & Commercial Residential (dollars in thousands)industrial real estate Consumer real estate Unallocated TotalAllowance for Loan Losses: Beginning balance$ 2,407 $ 6,383 $ 2,552 $ 2,781 $ 79 $ 14,202 Charge-offs (130) (491) (206) (162) - (989)Recoveries 23 250 138 - - 411 Provision (96) 1,280 (80) 889 7 2,000 Ending balance$ 2,204 $ 7,422 $ 2,404 $ 3,508 $ 86 $ 15,624 Ending balance: individually evaluated for impairment$ 18 $ 1,237 $ 4 $ - $ - $ 1,259 Ending balance: collectively evaluated for impairment$ 2,186 $ 6,185 $ 2,400 $ 3,508 $ 86 $ 14,365 Loans Receivables: Ending balance (2)$ 236,304 $ 582,750 $ 253,294 (1)$ 360,780 $ - $ 1,433,128 Ending balance: individually evaluated for impairment$ 154 $ 5,034 $ 175 $ 572 $ - $ 5,935 Ending balance: collectively evaluated for impairment$ 236,150 $ 577,716 $ 253,119 $ 360,208 $ - $ 1,427,193 (1) Net of unearned lease revenue of $1.4 million. (2) Includes $3.0 million of net deferred loan costs. As of and for the year ended December 31, 2020 Commercial & Commercial Residential (dollars in thousands)industrial real estate Consumer real estate Unallocated TotalAllowance for Loan Losses: Beginning balance$ 1,484 $ 3,933 $ 2,013 $ 2,278 $ 39 $ 9,747 Charge-offs (372) (465) (296) (35) - (1,168)Recoveries 26 30 120 197 - 373 Provision 1,269 2,885 715 341 40 5,250 Ending balance$ 2,407 $ 6,383 $ 2,552 $ 2,781 $ 79 $ 14,202 Ending balance: individually evaluated for impairment$ 213 $ 790 $ 52 $ 151 $ - $ 1,206 Ending balance: collectively evaluated for impairment$ 2,194 $ 5,593 $ 2,500 $ 2,630 $ 79 $ 12,996 Loans Receivables: Ending balance (2)$ 280,757 $ 382,297 $ 214,796 (1)$ 241,802 $ - $ 1,119,652 Ending balance: individually evaluated for impairment$ 590 $ 4,540 $ 483 $ 727 $ - $ 6,340 Ending balance: collectively evaluated for impairment$ 280,167 $ 377,757 $ 214,313 $ 241,075 $ - $ 1,113,312 (1) Net of unearned lease revenue of $1.2 million. (2) Includes $1.7 million of net deferred loan costs. ‎ As of and for the year ended December 31, 2019 Commercial & Commercial Residential (dollars in thousands)industrial real estate Consumer real estate Unallocated TotalAllowance for Loan Losses: Beginning balance$ 1,432 $ 3,901 $ 2,548 $ 1,844 $ 22 $ 9,747 Charge-offs (184) (597) (398) (330) - (1,509)Recoveries 32 317 67 8 - 424 Provision 204 312 (204) 756 17 1,085 Ending balance$ 1,484 $ 3,933 $ 2,013 $ 2,278 $ 39 $ 9,747

Undiscounted Cash Flows to be Received on Annual Basis for Direct Finance Leases

(dollars in thousands)Amount 2022$ 7,8812023 6,2862024 8,4972025 3,4442026 1242027 and thereafter -Total future minimum lease payments receivable 26,232Less: Unearned income (1,429)Undiscounted cash flows to be received$ 24,803