Loans classified by type as of June 30, 2022 and December 31, 2021 are as follows (dollars in thousands):

The Bank has a purchased portfolio of rehabilitated student loans guaranteed by the Department of Education (“DOE”). The guarantee covers approximately 98% of principal and accrued interest. The loans are serviced by a third-party servicer that specializes in handling the special needs of the DOE student loan programs.

Small Business Administration ("SBA") Paycheck Protection Program ("PPP") loans, included in commercial and industrial loans in the above table, were $1,069,000 and $32,601,000 as of June 30, 2022 and December 31, 2021, respectively.

Loans pledged as collateral with the FHLB as part of their lending arrangement with the Company totaled $37,009,000 and $35,510,000 as of June 30, 2022 and December 31, 2021, respectively.

Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on nonaccrual status when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Loans may be placed on nonaccrual status regardless of whether or not such loans are considered past due as long as the remaining recorded investment in the loan is deemed fully collectible. When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans are returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured.

The following table provides information on nonaccrual loans segregated by type at the dates indicated (in thousands):

The Company assigns risk rating classifications to its loans. These risk ratings are divided into the following groups:

The following tables provide information on the risk rating of loans at the dates indicated (in thousands):


	Risk Rated		Risk Rated		Risk Rated		Risk Rated		Total
	1‑4		5		6		7		Loans
June 30, 2022
Construction and land development
Residential	$	7,026	$	—	$	—	$	—	$	7,026
Commercial		27,365		2,637		—		—		30,002
		34,391		2,637		—		—		37,028
Commercial real estate
Owner occupied		119,080		3,884		1,532		—		124,496
Non-owner occupied		146,012		5,446		280		—		151,738
Multifamily		17,119		—		—		—		17,119
Farmland		916		—		—		—		916
		283,127		9,330		1,812		—		294,269
Consumer real estate
Home equity lines		19,016		622		300		—		19,938
Secured by 1-4 family residential
First deed of trust		57,319		526		533		—		58,378
Second deed of trust		5,292		85		276		—		5,653
		81,627		1,233		1,109		—		83,969
Commercial and industrial loans
(except those secured by real estate)		83,477		1,553		89		—		85,119
Guaranteed student loans		23,413		—		—		—		23,413
Consumer and other		3,732		26		—		—		3,758

Total loans	$	509,767	$	14,779	$	3,010	$	—	$	527,556


	Risk Rated		Risk Rated		Risk Rated		Risk Rated		Total
	1‑4		5		6		7		Loans
December 31, 2021
Construction and land development
Residential	$	6,805	$	—	$	—	$	—	$	6,805
Commercial		39,707		2,637		—		—		42,344
		46,512		2,637		—		—		49,149
Commercial real estate
Owner occupied		103,370		6,181		3,557		—		113,108
Non-owner occupied		114,168		15,332		286		—		129,786
Multifamily		11,666		—		—		—		11,666
Farmland		977		—		—		—		977
		230,181		21,513		3,843		—		255,537
Consumer real estate
Home equity lines		17,054		623		300		—		17,977
Secured by 1-4 family residential
First deed of trust		57,932		3,605		740		—		62,277
Second deed of trust		11,492		429		197		—		12,118
		86,478		4,657		1,237		—		92,372
Commercial and industrial loans
(except those secured by real estate)		98,362		1,806		253		—		100,421
Guaranteed student loans		25,975		—		—		—		25,975
Consumer and other		2,972		31		—		—		3,003

Total loans	$	490,480	$	30,644	$	5,333	$	—	$	526,457

The following table presents the aging of the recorded investment in past due loans and leases as of the dates indicated (in thousands):


					Greater								Investment >
	30‑59 Days		60‑89 Days		Than		Total Past				Total		90 Days and
	Past Due		Past Due		90 Days		Due		Current		Loans		Accruing
June 30, 2022
Construction and land development
Residential	$	—	$	—	$	—	$	—	$	7,026	$	7,026	$	—
Commercial		—		—		—		—		30,002		30,002		—
		—		—		—		—		37,028		37,028		—
Commercial real estate
Owner occupied		—		—		—		—		124,496		124,496		—
Non-owner occupied		—		—		—		—		151,738		151,738		—
Multifamily		—		—		—		—		17,119		17,119		—
Farmland		—		—		—		—		916		916		—
		—		—		—		—		294,269		294,269		—
Consumer real estate
Home equity lines		—		—		—		—		19,938		19,938		—
Secured by 1‑4 family residential
First deed of trust		42		—		—		42		58,336		58,378		—
Second deed of trust		—		6		—		6		5,647		5,653		—
		42		6		—		48		83,921		83,969		—
Commercial and industrial loans
(except those secured by real estate)		423		157		—		580		84,539		85,119		—
Guaranteed student loans		1,141		790		1,638		3,569		19,844		23,413		1,638
Consumer and other		—		—		—		—		3,758		3,758		—

Total loans	$	1,606	$	953	$	1,638	$	4,197	$	523,359	$	527,556	$	1,638


													Recorded
					Greater								Investment >
	30-59 Days		60-89 Days		Than		Total Past				Total		90 Days and
	Past Due		Past Due		90 Days		Due		Current		Loans		Accruing
December 31, 2021
Construction and land development
Residential	$	—	$	—	$	—	$	—	$	6,805	$	6,805	$	—
Commercial		—		—		—		—		42,344		42,344		—
		—		—		—		—		49,149		49,149		—
Commercial real estate
Owner occupied		—		—		—		—		113,108		113,108		—
Non-owner occupied		—		—		—		—		129,786		129,786		—
Multifamily		—		—		—		—		11,666		11,666		—
Farmland		—		—		—		—		977		977		—
		—		—		—		—		255,537		255,537		—
Consumer real estate
Home equity lines		—		—		—		—		17,977		17,977		—
Secured by 1-4 family residential
First deed of trust		—		—		—		—		62,277		62,277		—
Second deed of trust		—		—		—		—		12,118		12,118		—
		—		—		—		—		92,372		92,372		—
Commercial and industrial loans
(except those secured by real estate)		1,031		—		—		1,031		99,390		100,421		—
Guaranteed student loans		956		791		1,961		3,708		22,267		25,975		1,961
Consumer and other		—		—		—		—		3,003		3,003		—

Total loans	$	1,987	$	791	$	1,961	$	4,739	$	521,718	$	526,457	$	1,961

Loans greater than 90 days past due are student loans that are guaranteed by the DOE which covers approximately 98% of the principal and interest. Accordingly, these loans will not be placed on nonaccrual status and are not considered to be impaired.

Loans are considered impaired when, based on current information and events it is probable the Company will be unable to collect all amounts when due in accordance with the original contractual terms of the loan agreement, including scheduled principal and interest payments. Loans evaluated individually for impairment include non-performing loans, such as loans on non-accrual, non-guaranteed loans past due by 90 days or more, restructured loans and other loans selected by management. The evaluations are based upon discounted expected cash flows or collateral valuations. If the evaluation shows that a loan is individually impaired, then a specific reserve is established for the amount of impairment. Impairment is evaluated in total for smaller-balance loans of a similar nature and on an individual loan basis for other loans. If a loan is impaired, a specific valuation allowance is allocated, if necessary, so that the loan is reported net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis. Impaired loans, or

portions thereof, are charged off when deemed uncollectible. Impaired loans are set forth in the following table as of the dates indicated (in thousands):


	June 30, 2022						December 31, 2021
			Unpaid						Unpaid
	Recorded		Principal		Related		Recorded		Principal		Related
	Investment		Balance		Allowance		Investment		Balance		Allowance
With no related allowance recorded
Commercial real estate
Owner occupied	$	4,172	$	4,187	$	—	$	4,776	$	4,791	$	—
Non-owner occupied		1,083		1,083		—		1,458		1,458		—
		5,255		5,270		—		6,234		6,249		—
Consumer real estate
Home equity lines		300		300		—		300		300		—
Secured by 1‑4 family residential
First deed of trust		1,792		1,792		—		1,873		1,873		—
Second deed of trust		176		344		—		238		406		—
		2,268		2,436		—		2,411		2,579		—
Commercial and industrial loans
(except those secured by real estate)		89		89		—		185		185		—
		7,612		7,795		—		8,830		9,013		—

With an allowance recorded
Commercial real estate
Owner occupied		259		259		3		267		267		4
		259		259		3		267		267		4
Consumer real estate
Secured by 1-4 family residential
First deed of trust		141		141		6		146		146		7
Second deed of trust		34		34		19		—		—		—
		175		175		25		146		146		7
		434		434		28		413		413		11

Total
Owner occupied		4,431		4,446		3		5,043		5,058		4
Non-owner occupied		1,083		1,083		—		1,458		1,458		—
		5,514		5,529		3		6,501		6,516		4
Consumer real estate
Home equity lines		300		300		—		300		300		—
Secured by 1-4 family residential,
First deed of trust		1,933		1,933		6		2,019		2,019		7
Second deed of trust		210		378		19		238		406		—
		2,443		2,611		25		2,557		2,725		7
Commercial and industrial loans
(except those secured by real estate)		89		89		—		185		185		—
	$	8,046	$	8,229	$	28	$	9,243	$	9,426	$	11

The following is a summary of average recorded investment in impaired loans with and without a valuation allowance and interest income recognized on those loans for the periods indicated (in thousands):


	For the Three Months Ended				For the Six Months Ended
	June 30, 2022				June 30, 2022
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
With no related allowance recorded
Commercial real estate
Owner occupied	$	4,461	$	35		4,694	$	66
Non-owner occupied		1,264		8		1,457		25
		5,725		43		6,151		91
Consumer real estate
Home equity lines		300		15		300		15
Secured by 1-4 family residential
First deed of trust		1,800		17		1,831		37
Second deed of trust		373		2		335		5
		2,473		34		2,466		57
Commercial and industrial loans
(except those secured by real estate)		135		—		162		1
		8,333		77		8,779		149

With an allowance recorded
Commercial real estate
Owner occupied		261		—		197		7
		261		—		197		7
Consumer real estate
Secured by 1-4 family residential
First deed of trust		142		3		144		4
Second deed of trust		98		—		49		—
		240		3		193		4
Commercial and industrial loans
(except those secured by real estate)		—		—		—		—
		501		3		390		11

Total
Commercial real estate
Owner occupied		4,722		35		4,891		73
Non-owner occupied		1,264		8		1,457		25
		5,986		43		6,348		98
Consumer real estate
Home equity lines		300		15		300		15
Secured by 1-4 family residential,
First deed of trust		1,942		20		1,975		41
Second deed of trust		471		2		384		5
		2,713		37		2,659		61
Commercial and industrial loans
(except those secured by real estate)		135		—		162		1
	$	8,834	$	80	$	9,169	$	160

Included in impaired loans are loans classified as TDRs. A modification of a loan’s terms constitutes a TDR if the creditor grants a concession to the borrower for economic or legal reasons related to the borrower’s financial difficulties that it would not otherwise consider. For loans classified as impaired TDRs, the Company further evaluates the loans as performing or nonaccrual. To restore a nonaccrual loan that has been formally restructured in a TDR to accrual status, we perform a current, well documented credit analysis supporting a return to accrual status based on the borrower’s financial condition and prospects for repayment under the revised terms. Otherwise, the TDR must remain in nonaccrual status. The analysis considers the borrower’s sustained historical repayment performance for a reasonable period to the return-to-accrual date, but may take into account payments made for a reasonable period prior to the restructuring if the payments are consistent with the modified terms. A sustained period of repayment performance generally would be a minimum of six months and would involve payments in the form of cash or cash equivalents.

An accruing loan that is modified in a TDR can remain in accrual status if, based on a current well-documented credit analysis, collection of principal and interest in accordance with the modified terms is reasonably assured, and the borrower has demonstrated sustained

historical repayment performance for a reasonable period before modification. The following is a summary of performing and nonaccrual TDRs and the related specific valuation allowance by portfolio segment for the periods indicated (dollars in thousands).


							Specific
							Valuation
	Total		Performing		Nonaccrual		Allowance
June 30, 2022
Commercial real estate
Owner occupied	$	3,158	$	3,158	$	—	$	3
Non-owner occupied		1,084		804		280		—
		4,242		3,962		280		3
Consumer real estate
Secured by 1-4 family residential
First deeds of trust		1,436		1,259		177		6
Second deeds of trust		93		36		57		—
		1,529		1,295		234		6
Commercial and industrial loans
(except those secured by real estate)		19		—		19		—
	$	5,790	$	5,257	$	533	$	9

Number of loans		26		22		4		2


							Specific
							Valuation
	Total		Performing		Nonaccrual		Allowance
December 31, 2021

Commercial real estate
Owner occupied	$	3,243	$	3,243	$	—	$	4
Non-owner occupied		1,458		1,172		286		—
		4,701		4,415		286		4
Consumer real estate
Secured by 1-4 family residential
First deeds of trust		1,666		1,279		387		7
Second deeds of trust		99		40		59		—
		1,765		1,319		446		7
Commercial and industrial loans
(except those secured by real estate)		19		—		19		—
	$	6,485	$	5,734	$	751	$	11

Number of loans		28		23		5		3

The following table provides information about TDRs identified during the indicated periods (dollars in thousands).


	Six Months Ended					Six Months Ended
	June 30, 2022					June 30, 2021
		Pre-		Post-			Pre-		Post-
		Modification		Modification			Modification		Modification
	Number of	Recorded		Recorded		Number of	Recorded		Recorded
	Loans	Balance		Balance		Loans	Balance		Balance

Secured by 1-4 family residential
First deed of trust	—	$	—	$	—	1	$	267	$	267
	—	$	—	$	—	1	$	267	$	267

A TDR payment default occurs when, within 12 months of the original TDR modification, either a full or partial charge-off occurs or a TDR becomes 90 days or more past due. The specific reserve associated with a TDR is reevaluated when a TDR payment default occurs. There were no defaults on TDR’s that were modified as TDRs during the prior 12 month period ended June 30, 2022 and 2021.

The Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”), as amended by the Consolidated Appropriations Act 2021 (“CAA”), permits financial institutions to suspend requirements under GAAP for loan modifications to borrowers affected by COVID-19 that would otherwise be characterized as TDRs and suspend any determination related thereto if (i) the loan modification is made between March 1, 2020 and the earlier of January 1, 2022 or 60 days after the end of the COVID-19 emergency declaration and (ii) the applicable loan was not more than 30 days past due as of December 31, 2019. In addition, federal bank regulatory authorities have issued guidance to encourage financial institutions to make prudent loan modifications for borrowers affected by COVID-19 and have assured financial institutions that they will neither receive supervisory criticism for such prudent loan modifications, nor be required by examiners to automatically categorize COVID-19-related loan modifications as TDRs. As of June 30, 2022 and December 31, 2021, all previously modified loans had returned to contractual payment terms. The Company’s modification program primarily included payment deferrals and interest only modifications.

Activity in the allowance for loan losses is as follows for the periods indicated (in thousands):


			Provision for
	Beginning		(Recovery of)						Ending
	Balance		Loan Losses		Charge-offs		Recoveries		Balance

Three Months Ended June 30, 2022
Construction and land development
Residential	$	46	$	11	$	—	$	—	$	57
Commercial		199		(28)		—		—		171
		245		(17)		—		—		228
Commercial real estate
Owner occupied		892		(24)		—		—		868
Non-owner occupied		1,106		161		—		—		1,267
Multifamily		37		13		—		—		50
Farmland		2		—		—		—		2
		2,037		150		—		—		2,187
Consumer real estate
Home equity lines		12		—		—		—		12
Secured by 1-4 family residential
First deed of trust		118		(5)		—		1		114
Second deed of trust		80		(32)		—		1		49
		210		(37)		—		2		175
Commercial and industrial loans
(except those secured by real estate)		446		56		—		31		533
Student loans		63		10		(13)		—		60
Consumer and other		35		10		—		—		45
Unallocated		367		(172)		—		—		195

	$	3,403	$	—	$	(13)	$	33	$	3,423


			Provision for
	Beginning		(Recovery of)						Ending
	Balance		Loan Losses		Charge-offs		Recoveries		Balance

Three Months Ended June 30, 2021
Construction and land development
Residential	$	100	$	(34)	$	—	$	—	$	66
Commercial		168		35		—		—		203
		268		1		—		—		269
Commercial real estate
Owner occupied		899		(97)		—		—		802
Non-owner occupied		1,286		(241)		—		14		1,059
Multifamily		38		(3)		—		—		35
Farmland		1		1		—		—		2
		2,224		(340)		—		14		1,898
Consumer real estate
Home equity lines		15		(14)		—		10		11
Secured by 1-4 family residential
First deed of trust		146		(41)		—		8		113
Second deed of trust		67		86		(84)		3		72
		228		31		(84)		21		196
Commercial and industrial loans
(except those secured by real estate)		410		3		—		9		422
Student loans		76		9		(5)		—		80
Consumer and other		38		16		(18)		—		36
Unallocated		748		(220)		—		—		528

	$	3,992	$	(500)	$	(107)	$	44	$	3,429


			Provision for
	Beginning		(Recovery of)						Ending
	Balance		Loan Losses		Charge-offs		Recoveries		Balance

Six Months Ended June 30, 2022
Construction and land development
Residential	$	57	$	—	$	—	$	—	$	57
Commercial		229		(58)		—		—		171
		286		(58)		—		—		228
Commercial real estate
Owner occupied		833		35		—		—		868
Non-owner occupied		1,083		184		—		—		1,267
Multifamily		35		15		—		—		50
Farmland		2		—		—		—		2
		1,953		234		—		—		2,187
Consumer real estate
Home equity lines		12		(58)		—		58		12
Secured by 1-4 family residential
First deed of trust		123		(11)		—		2		114
Second deed of trust		47		(301)		—		303		49
		182		(370)		—		363		175
Commercial and industrial loans
(except those secured by real estate)		486		(12)		—		59		533
Student loans		65		17		(22)		—		60
Consumer and other		29		16		—		—		45
Unallocated		422		(227)		—		—		195

	$	3,423	$	(400)	$	(22)	$	422	$	3,423


			Provision for
	Beginning		(Recovery of)						Ending
	Balance		Loan Losses		Charge-offs		Recoveries		Balance

Six Months Ended June 30, 2021
Construction and land development
Residential	$	214	$	(148)	$	—	$	—	$	66
Commercial		285		(82)		—		—		203
		499		(230)		—		—		269
Commercial real estate
Owner occupied		1,047		(245)		—		—		802
Non-owner occupied		1,421		(376)		—		14		1,059
Multifamily		47		(12)		—		—		35
Farmland		2		—		—		—		2
		2,517		(633)		—		14		1,898
Consumer real estate
Home equity lines		24		(23)		—		10		11
Secured by 1-4 family residential
First deed of trust		166		(62)		—		9		113
Second deed of trust		79		60		(84)		17		72
		269		(25)		(84)		36		196
Commercial and industrial loans
(except those secured by real estate)		408		(10)		—		24		422
Student loans		87		6		(13)		—		80
Consumer and other		36		18		(18)		—		36
Unallocated		154		374		—		—		528

	$	3,970	$	(500)	$	(115)	$	74	$	3,429


			Provision for
	Beginning		(Recovery of)						Ending
	Balance		Loan Losses		Charge-offs		Recoveries		Balance

Year Ended December 31, 2021
Construction and land development
Residential	$	214	$	(157)	$	—	$	—	$	57
Commercial		285		(56)		—		—		229
		499		(213)		—		—		286
Commercial real estate
Owner occupied		1,047		(214)		—		—		833
Non-owner occupied		1,421		(352)		—		14		1,083
Multifamily		47		(12)		—		—		35
Farmland		2		—		—		—		2
		2,517		(578)		—		14		1,953
Consumer real estate
Home equity lines		24		(23)		—		11		12
Secured by 1-4 family residential
First deed of trust		166		(54)		—		11		123
Second deed of trust		79		1		(84)		51		47
		269		(76)		(84)		73		182
Commercial and industrial loans
(except those secured by real estate)		408		47		—		31		486
Student loans		87		13		(35)		—		65
Consumer and other		36		39		(46)		—		29
Unallocated		154		268		—		—		422

	$	3,970	$	(500)	$	(165)	$	118	$	3,423

The amount of the loan loss provision (recovery) is determined by an evaluation of the level of loans outstanding, the level of nonperforming loans, historical loan loss experience, delinquency trends, underlying collateral values, the amount of actual losses charged to the reserve in a given period and assessment of present and anticipated economic conditions. Loans originated under PPP are not considered in the evaluation of the allowance for loan losses because these loans carry a 100% guarantee from the SBA; however, if the collectability on the guarantee on a loan is at risk that loan will be included in the evaluation of the allowance for loan losses.

The level of the allowance reflects changes in the size of the portfolio or in any of its components as well as management’s continuing evaluation of industry concentrations, specific credit risk, loan loss experience, current loan portfolio quality, and present economic, political and regulatory conditions. Portions of the allowance may be allocated for specific credits; however, the entire allowance is available for any credit that, in management’s judgement, should be charged off. While management utilizes its best judgement and information available, the ultimate adequacy of the allowance is dependent upon a variety of factors beyond the Company’s control, including the performance of the Company’s loan portfolio, the economy, changes in interest rates and the view of the regulatory authorities toward loan classifications.

The Company recorded a recovery of provision for loan loss expense of $400,000 and $500,000 for the six month period ended June 30, 2022 and June 30, 2021, respectively. The recovery of provision for loan loss expense, during the six months ended June 30, 2022 and June 30, 2021, resulted from reductions in the qualitative factors driven by improving economic factors, improved credit metrics, and reductions in loan deferrals. While variants of the COVID-19 virus and economic challenges due to higher inflation remain risks to credit quality, we believe our current level of allowance for loan losses is sufficient.

The allowance for loan losses at each of the periods presented includes an amount that could not be identified to individual types of loans referred to as the unallocated portion of the allowance. We recognize the inherent imprecision in estimates of losses due to various uncertainties and the variability related to the factors used in calculation of the allowance. The allowance for loan losses included an unallocated portion of approximately $195,000, $422,000, and $528,000 at June 30, 2022, December 31, 2021, and June 30, 2021, respectively.

Loans were evaluated for impairment as follows for the periods indicated (in thousands):


	Recorded Investment in Loans
	Allowance						Loans
	Ending						Ending
	Balance		Individually		Collectively		Balance		Individually		Collectively

Six Months Ended June 30, 2022
Construction and land development
Residential	$	57	$	—	$	57	$	7,026	$	—	$	7,026
Commercial		171		—		171		30,002		—		30,002
		228		—		228		37,028		—		37,028
Commercial real estate
Owner occupied		868		3		865		124,496		4,431		120,065
Non-owner occupied		1,267		—		1,267		151,738		1,083		150,655
Multifamily		50		—		50		17,119		—		17,119
Farmland		2		—		2		916		—		916
		2,187		3		2,184		294,269		5,514		288,755
Consumer real estate
Home equity lines		12		—		12		19,938		300		19,638
Secured by 1-4 family residential
First deed of trust		114		6		108		58,378		1,933		56,445
Second deed of trust		49		19		30		5,653		210		5,443
		175		25		150		83,969		2,443		81,526
Commercial and industrial loans
(except those secured by real estate)		533		—		533		85,119		89		85,030
Student loans		60		—		60		23,413		—		23,413
Consumer and other		240		—		240		3,758		—		3,758

	$	3,423	$	28	$	3,395	$	527,556	$	8,046	$	519,510

Year Ended December 31, 2021
Construction and land development
Residential	$	57	$	—	$	57	$	6,805	$	—	$	6,805
Commercial		229		—		229		42,344		—		42,344
		286		—		286		49,149		—		49,149
Commercial real estate
Owner occupied		833		4		829		113,108		5,043		108,065
Non-owner occupied		1,083		—		1,083		129,786		1,458		128,328
Multifamily		35		—		35		11,666		—		11,666
Farmland		2		—		2		977		—		977
		1,953		4		1,949		255,537		6,501		249,036
Consumer real estate
Home equity lines		12		—		12		17,977		300		17,677
Secured by 1-4 family residential
First deed of trust		123		7		116		62,277		2,019		60,258
Second deed of trust		47		—		47		12,118		238		11,880
		182		7		175		92,372		2,557		89,815
Commercial and industrial loans
(except those secured by real estate)		486		—		486		100,421		185		100,236
Student loans		65		—		65		25,975		—		25,975
Consumer and other		451		—		451		3,003		—		3,003

	$	3,423	$	11	$	3,412	$	526,457	$	9,243	$	517,214