Loans (Tables)

3 Months Ended

Mar. 31, 2020

The loan portfolio of the Company consists of the following (in thousands):


	March 31,		December 31,
	2020		2019
Commercial:
Commercial and industrial	$	166,911	$	173,922
Commercial loans secured by owner occupied real estate		87,310		91,655
Commercial loans secured by non-owner occupied real estate		370,266		363,635
Real estate – residential mortgage		230,207		235,239
Consumer		17,955		18,255
Loans, net of unearned income	$	872,649	$	882,706

Summary of risk concentrations for commercial and commercial real estate loans by industry type

The following table provides information regarding our potential COVID-19 risk concentrations for commercial and commercial real estate loans by industry type at March 31, 2020 (in thousands).


			Commercial loans		Commercial loans
	Commercial		secured by owner		secured by non-owner
	and industrial		occupied real estate		occupied real estate		Total
1-4 unit residential	$	1,603	$	133	$	3,439	$	5,175
Multifamily/apartments/student housing		—		359		53,065		53,424
Office		37,929		10,280		38,218		86,427
Retail		4,129		21,333		108,763		134,225
Industrial/manufacturing/warehouse		101,464		17,698		40,115		159,277
Hotels		419		—		45,764		46,183
Eating and drinking places		887		4,434		597		5,918
Amusement and recreation		210		3,384		57		3,651
Mixed use		—		1,574		65,631		67,205
Other		20,270		28,115		14,617		63,002
Total	$	166,911	$	87,310	$	370,266	$	624,487