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Note 8 - Loans & Allowance for Loan Losses (Tables)
 9 Months Ended
Sep. 30, 2020
Troubled Debt Restructuring [Member]  
Allowance for Loan Losses

 

 

 

September 30, 2020

 

 

December 31, 2019

 

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TDRs with no specific allowance recorded

 

$

2,208

 

 

$

—

 

 

$

2,957

 

 

$

—

 

TDRs with an allowance recorded

 

 

3,356

 

 

 

543

 

 

 

2,934

 

 

 

450

 

Total

 

$

5,564

 

 

$

543

 

 

$

5,891

 

 

$

450

 

 
Retail and Commercial Loans [Member]  
Major Classes of Loans

 

 

September 30,

 

 

December 31,

 

 

 

2020

 

 

2019

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

227,448

 

 

$

168,031

 

Construction

 

 

50,187

 

 

 

56,209

 

Secured by commercial real estate

 

 

351,012

 

 

 

336,050

 

Secured by residential real estate

 

 

80,278

 

 

 

72,443

 

State and political subdivisions

 

 

34,489

 

 

 

38,376

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

76,020

 

 

 

69,469

 

Home equity loans and lines

 

 

65,189

 

 

 

73,311

 

Consumer

 

 

5,490

 

 

 

6,530

 

Total loans

 

 

890,113

 

 

 

820,419

 

Net unearned (fees) costs

 

 

(2,321

)

 

 

197

 

Loans receivable

 

$

887,792

 

 

$

820,616

 

 
Modified Loans by Major Loan Class and Total Deferral by Number of Months

 

September 30, 2020

 

 

Total Number of Months Deferred

 

 

0-3 Months

 

 

4-6 Months

 

 

7-9 Months

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

$

33

 

 

$

3,375

 

 

$

37

 

 

$

3,445

 

Construction

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

—

 

 

 

28,753

 

 

 

24,452

 

 

 

53,205

 

Secured by residential real estate

 

—

 

 

 

5,475

 

 

 

113

 

 

 

5,588

 

State and political subdivisions

 

152

 

 

 

—

 

 

 

—

 

 

 

152

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

—

 

 

 

404

 

 

 

2,111

 

 

 

2,515

 

Home equity loans and lines

 

39

 

 

 

453

 

 

 

747

 

 

 

1,239

 

Consumer

 

4

 

 

 

—

 

 

 

—

 

 

 

4

 

Total COVID-19 Modified Loans

$

228

 

 

$

38,460

 

 

$

27,460

 

 

$

66,148

 
Internal Risk Ratings and Payment Activity

 

September 30, 2020

 

Pass

 

 

Special

mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

218,532

 

 

$

481

 

 

$

8,435

 

 

$

—

 

 

$

227,448

 

Construction

 

 

50,187

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

50,187

 

Secured by commercial real estate

 

 

336,079

 

 

 

8,202

 

 

 

6,731

 

 

 

—

 

 

 

351,012

 

Secured by residential real estate

 

 

78,728

 

 

 

—

 

 

 

1,550

 

 

 

—

 

 

 

80,278

 

State and political subdivisions

 

 

34,489

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

34,489

 

Total

 

$

718,015

 

 

$

8,683

 

 

$

16,716

 

 

$

—

 

 

$

743,414

 

 

December 31, 2019

 

Pass

 

 

Special

mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

158,247

 

 

$

3,665

 

 

$

6,119

 

 

$

—

 

 

$

168,031

 

Construction

 

 

56,209

 

 

—

 

 

—

 

 

 

—

 

 

 

56,209

 

Secured by commercial real estate

 

 

324,936

 

 

 

2,995

 

 

 

8,119

 

 

 

—

 

 

 

336,050

 

Secured by residential real estate

 

 

70,759

 

 

 

-

 

 

 

1,684

 

 

 

—

 

 

 

72,443

 

State and political subdivisions

 

 

38,376

 

 

—

 

 

—

 

 

 

—

 

 

 

38,376

 

Total

 

$

648,527

 

 

$

6,660

 

 

$

15,922

 

 

$

—

 

 

$

671,109

 

 

September 30, 2020

 

Performing

 

 

Non-performing

 

 

Total

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

$

75,525

 

 

$

495

 

 

$

76,020

 

Home equity loans and lines

 

 

64,464

 

 

 

725

 

 

 

65,189

 

Consumer

 

 

5,342

 

 

 

148

 

 

 

5,490

 

Total

 

$

145,331

 

 

$

1,368

 

 

$

146,699

 

 

December 31, 2019

 

Performing

 

 

Non-performing

 

 

Total

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

$

68,833

 

 

$

636

 

 

$

69,469

 

Home equity loans and lines

 

 

72,774

 

 

 

537

 

 

 

73,311

 

Consumer

 

 

6,391

 

 

 

139

 

 

 

6,530

 

Total

 

$

147,998

 

 

$

1,312

 

 

$

149,310

 
Past Due Loans

September 30, 2020

 

30-59 days

past due

 

 

60-89 days

past due

 

 

90 days or

more past

due

 

 

Total past

due loans

 

 

Current

 

 

Total loans

receivable

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

2,428

 

 

$

—

 

 

$

1,608

 

 

$

4,036

 

 

$

223,412

 

 

$

227,448

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

50,187

 

 

 

50,187

 

Secured by commercial real estate

 

 

344

 

 

 

—

 

 

 

39

 

 

 

383

 

 

 

350,629

 

 

 

351,012

 

Secured by residential real estate

 

 

67

 

 

 

—

 

 

 

186

 

 

 

253

 

 

 

80,025

 

 

 

80,278

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

34,489

 

 

 

34,489

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

310

 

 

 

305

 

 

 

140

 

 

 

755

 

 

 

75,265

 

 

 

76,020

 

Home equity loans and lines

 

 

299

 

 

 

—

 

 

 

8

 

 

 

307

 

 

 

64,882

 

 

 

65,189

 

Consumer

 

 

124

 

 

 

4

 

 

 

42

 

 

 

170

 

 

 

5,320

 

 

 

5,490

 

Total

 

$

3,572

 

 

$

309

 

 

$

2,023

 

 

$

5,904

 

 

$

884,209

 

 

$

890,113

 

 

December 31, 2019

 

30-59 days

past due

 

 

60-89 days

past due

 

 

90 days or

more past

due

 

 

Total past

due loans

 

 

Current

 

 

Total loans

receivable

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

58

 

 

$

2,006

 

 

$

2,064

 

 

$

165,967

 

 

$

168,031

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

56,209

 

 

 

56,209

 

Secured by commercial real estate

 

 

—

 

 

 

—

 

 

 

1,527

 

 

 

1,527

 

 

 

334,523

 

 

 

336,050

 

Secured by residential real estate

 

 

208

 

 

 

79

 

 

 

142

 

 

 

429

 

 

 

72,014

 

 

 

72,443

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

38,376

 

 

 

38,376

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

1,486

 

 

 

573

 

 

 

432

 

 

 

2,491

 

 

 

66,978

 

 

 

69,469

 

Home equity loans and lines

 

 

271

 

 

 

23

 

 

 

55

 

 

 

349

 

 

 

72,962

 

 

 

73,311

 

Consumer

 

 

29

 

 

 

71

 

 

 

—

 

 

 

100

 

 

 

6,430

 

 

 

6,530

 

Total

 

$

1,994

 

 

$

804

 

 

$

4,162

 

 

$

6,960

 

 

$

813,459

 

 

$

820,419

 
Non-accrual Loans

 

September 30, 2020

 

90 days or more past

due (still accruing)

 

 

Non-accrual

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

4,888

 

Construction

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

2,998

 

Secured by residential real estate

 

 

—

 

 

 

747

 

State and political subdivisions

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

495

 

Home equity loans and lines

 

 

—

 

 

 

725

 

Consumer

 

 

—

 

 

 

148

 

Total

 

$

—

 

 

$

10,001

 

 

December 31, 2019

 

90 days or more past

due (still accruing)

 

 

Non-accrual

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

5,901

 

Construction

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

3,640

 

Secured by residential real estate

 

 

—

 

 

 

851

 

State and political subdivisions

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

636

 

Home equity loans and lines

 

 

—

 

 

 

537

 

Consumer

 

 

—

 

 

 

139

 

Total

 

$

—

 

 

$

11,704

 

 
Allowance for Loan Losses

Activity in the allowance for loan losses for the three and nine months ended September 30, 2020 and 2019 are as follows:

 

For the Three Months Ended September 30, 2020

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

4,270

 

 

$

540

 

 

$

—

 

 

$

10

 

 

$

4,820

 

Construction

 

 

287

 

 

 

14

 

 

 

—

 

 

 

—

 

 

 

301

 

Secured by commercial real estate

 

 

3,423

 

 

 

(154

)

 

 

—

 

 

 

—

 

 

 

3,269

 

Secured by residential real estate

 

 

721

 

 

 

79

 

 

 

—

 

 

 

34

 

 

 

834

 

State and political subdivisions

 

 

120

 

 

 

1

 

 

 

—

 

 

 

—

 

 

 

121

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

586

 

 

 

(59

)

 

 

—

 

 

 

—

 

 

 

527

 

Home equity loans and lines

 

 

266

 

 

 

20

 

 

 

—

 

 

 

1

 

 

 

287

 

Consumer

 

 

268

 

 

 

(7

)

 

 

(25

)

 

 

31

 

 

 

267

 

Unallocated

 

 

523

 

 

 

(184

)

 

N/A

 

 

N/A

 

 

 

339

 

Total

 

$

10,464

 

 

$

250

 

 

$

(25

)

 

$

76

 

 

$

10,765

 

 

For the Three Months Ended September 30, 2019

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,302

 

 

$

844

 

 

$

(207

)

 

$

8

 

 

$

3,947

 

Construction

 

 

675

 

 

 

(87

)

 

 

—

 

 

 

—

 

 

 

588

 

Secured by commercial real estate

 

 

2,913

 

 

 

(60

)

 

 

—

 

 

 

8

 

 

 

2,861

 

Secured by residential real estate

 

 

722

 

 

 

(9

)

 

 

(15

)

 

 

16

 

 

 

714

 

State and political subdivisions

 

 

201

 

 

 

45

 

 

 

—

 

 

 

—

 

 

 

246

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

433

 

 

 

(15

)

 

 

—

 

 

 

—

 

 

 

418

 

Home equity loans and lines

 

 

294

 

 

 

21

 

 

 

—

 

 

 

3

 

 

 

318

 

Consumer

 

 

188

 

 

 

46

 

 

 

(49

)

 

 

16

 

 

 

201

 

Unallocated

 

 

436

 

 

 

(235

)

 

N/A

 

 

N/A

 

 

 

201

 

Total

 

$

9,164

 

 

$

550

 

 

$

(271

)

 

$

51

 

 

$

9,494

 

 

 

For the Nine Months Ended September 30, 2020

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

4,689

 

 

$

176

 

 

$

(72

)

 

$

27

 

 

$

4,820

 

Construction

 

 

590

 

 

 

(289

)

 

 

—

 

 

 

—

 

 

 

301

 

Secured by commercial real estate

 

 

2,519

 

 

 

738

 

 

 

—

 

 

 

12

 

 

 

3,269

 

Secured by residential real estate

 

 

629

 

 

 

147

 

 

 

—

 

 

 

58

 

 

 

834

 

State and political subdivisions

 

 

115

 

 

 

6

 

 

 

—

 

 

 

—

 

 

 

121

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

—

 

1-4 family residential mortgages

 

 

549

 

 

 

(22

)

 

 

—

 

 

 

—

 

 

 

527

 

Home equity loans and lines

 

 

310

 

 

 

(29

)

 

 

—

 

 

 

6

 

 

 

287

 

Consumer

 

 

230

 

 

 

190

 

 

 

(219

)

 

 

66

 

 

 

267

 

Unallocated

 

 

256

 

 

 

83

 

 

N/A

 

 

N/A

 

 

 

339

 

Total

 

$

9,887

 

 

$

1,000

 

 

$

(291

)

 

$

169

 

 

$

10,765

 

 

For the Nine Months Ended September 30, 2019

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,092

 

 

$

1,036

 

 

$

(207

)

 

$

26

 

 

$

3,947

 

Construction

 

 

551

 

 

 

37

 

 

 

—

 

 

 

—

 

 

 

588

 

Secured by commercial real estate

 

 

2,824

 

 

 

29

 

 

 

—

 

 

 

8

 

 

 

2,861

 

Secured by residential real estate

 

 

754

 

 

 

(68

)

 

 

(51

)

 

 

79

 

 

 

714

 

State and political subdivisions

 

 

153

 

 

 

93

 

 

 

—

 

 

 

—

 

 

 

246

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

497

 

 

 

(79

)

 

 

—

 

 

 

—

 

 

 

418

 

Home equity loans and lines

 

 

338

 

 

 

(17

)

 

 

(17

)

 

 

14

 

 

 

318

 

Consumer

 

 

164

 

 

 

154

 

 

 

(151

)

 

 

34

 

 

 

201

 

Unallocated

 

 

461

 

 

 

(260

)

 

N/A

 

 

N/A

 

 

 

201

 

Total

 

$

8,834

 

 

$

925

 

 

$

(426

)

 

$

161

 

 

$

9,494

 
Loans Disaggregated by Impairment Method

 

 

 

Allowance for Loan Losses

 

 

Loans Receivable

 

September 30, 2020

 

Balance

 

 

Balance related

to loans

individually

evaluated for

impairment

 

 

Balance related

to loans

collectively

evaluated for

impairment

 

 

Balance

 

 

Balance

individually

evaluated for

impairment

 

 

Balance

collectively

evaluated for

impairment

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

4,820

 

 

$

3,268

 

 

$

1,552

 

 

$

227,448

 

 

$

5,025

 

 

$

222,423

 

Construction

 

 

301

 

 

 

—

 

 

 

301

 

 

 

50,187

 

 

 

—

 

 

 

50,187

 

Secured by commercial real estate

 

 

3,269

 

 

 

375

 

 

 

2,894

 

 

 

351,012

 

 

 

6,459

 

 

 

344,553

 

Secured by residential real estate

 

 

834

 

 

 

52

 

 

 

782

 

 

 

80,278

 

 

 

1,940

 

 

 

78,338

 

State and political subdivisions

 

 

121

 

 

 

—

 

 

 

121

 

 

 

34,489

 

 

 

—

 

 

 

34,489

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

527

 

 

 

—

 

 

 

527

 

 

 

76,020

 

 

 

810

 

 

 

75,210

 

Home equity loans and lines

 

 

287

 

 

 

3

 

 

 

284

 

 

 

65,189

 

 

 

739

 

 

 

64,450

 

Consumer

 

 

267

 

 

 

9

 

 

 

258

 

 

 

5,490

 

 

 

63

 

 

 

5,427

 

Unallocated

 

 

339

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Total

 

$

10,765

 

 

$

3,707

 

 

$

6,719

 

 

$

890,113

 

 

$

15,036

 

 

$

875,077

 

 

 

 

Allowance for Loan Losses

 

 

Loans Receivable

 

December 31, 2019

 

Balance

 

 

Balance related

to loans

individually

evaluated for

impairment

 

 

Balance related

to loans

collectively

evaluated for

impairment

 

 

Balance

 

 

Balance

individually

evaluated for

impairment

 

 

Balance

collectively

evaluated for

impairment

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

4,689

 

 

$

3,307

 

 

$

1,382

 

 

$

168,031

 

 

$

6,027

 

 

$

162,004

 

Construction

 

 

590

 

 

 

—

 

 

 

590

 

 

 

56,209

 

 

 

—

 

 

 

56,209

 

Secured by commercial real estate

 

 

2,519

 

 

 

217

 

 

 

2,302

 

 

 

336,050

 

 

 

7,172

 

 

 

328,878

 

Secured by residential real estate

 

 

629

 

 

 

31

 

 

 

598

 

 

 

72,443

 

 

 

2,082

 

 

 

70,361

 

State and political subdivisions

 

 

115

 

 

 

—

 

 

 

115

 

 

 

38,376

 

 

 

—

 

 

 

38,376

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

549

 

 

 

—

 

 

 

549

 

 

 

69,469

 

 

 

955

 

 

 

68,514

 

Home equity loans and lines

 

 

310

 

 

 

—

 

 

 

310

 

 

 

73,311

 

 

 

555

 

 

 

72,756

 

Consumer

 

 

230

 

 

 

11

 

 

 

219

 

 

 

6,530

 

 

 

69

 

 

 

6,461

 

Unallocated

 

 

256

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Total

 

$

9,887

 

 

$

3,566

 

 

$

6,065

 

 

$

820,419

 

 

$

16,860

 

 

$

803,559

 
Impaired Loans

 

 

 

September 30, 2020

 

 

December 31, 2019

 

 

 

Recorded

investment

(after

charge-offs)

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

Recorded

investment

(after

charge-offs)

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

With no specific allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

799

 

 

$

930

 

 

 

 

 

 

$

901

 

 

$

1,258

 

 

 

 

 

Construction

 

 

—

 

 

 

—

 

 

 

 

 

 

 

—

 

 

 

—

 

 

 

 

 

Secured by commercial real estate

 

 

3,125

 

 

 

3,747

 

 

 

 

 

 

 

3,735

 

 

 

4,362

 

 

 

 

 

Secured by residential real estate

 

 

1,371

 

 

 

1,557

 

 

 

 

 

 

 

1,936

 

 

 

2,110

 

 

 

 

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

810

 

 

 

889

 

 

 

 

 

 

 

955

 

 

 

1,010

 

 

 

 

 

Home equity loans and lines

 

 

554

 

 

 

586

 

 

 

 

 

 

 

555

 

 

 

612

 

 

 

 

 

Consumer

 

 

—

 

 

 

—

 

 

 

 

 

 

 

—

 

 

 

—

 

 

 

 

 

Total

 

$

6,659

 

 

$

7,709

 

 

 

 

 

 

$

8,082

 

 

$

9,352

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

4,226

 

 

$

5,811

 

 

$

3,268

 

 

$

5,126

 

 

$

6,577

 

 

$

3,307

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

3,334

 

 

 

3,439

 

 

 

375

 

 

 

3,437

 

 

 

3,495

 

 

 

217

 

Secured by residential real estate

 

 

569

 

 

 

575

 

 

 

52

 

 

 

146

 

 

 

193

 

 

 

31

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Home equity loans and lines

 

 

185

 

 

 

194

 

 

 

3

 

 

 

—

 

 

 

—

 

 

 

—

 

Consumer

 

 

63

 

 

 

75

 

 

 

9

 

 

 

69

 

 

 

79

 

 

 

11

 

Total

 

$

8,377

 

 

$

10,094

 

 

$

3,707

 

 

$

8,778

 

 

$

10,344

 

 

$

3,566

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

5,025

 

 

$

6,741

 

 

$

3,268

 

 

$

6,027

 

 

$

7,835

 

 

$

3,307

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

6,459

 

 

 

7,186

 

 

 

375

 

 

 

7,172

 

 

 

7,857

 

 

 

217

 

Secured by residential real estate

 

 

1,940

 

 

 

2,132

 

 

 

52

 

 

 

2,082

 

 

 

2,303

 

 

 

31

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

810

 

 

 

889

 

 

 

—

 

 

 

955

 

 

 

1,010

 

 

 

—

 

Home equity loans and lines

 

 

739

 

 

 

780

 

 

 

3

 

 

 

555

 

 

 

612

 

 

 

—

 

Consumer

 

 

63

 

 

 

75

 

 

 

9

 

 

 

69

 

 

 

79

 

 

 

11

 

Total

 

$

15,036

 

 

$

17,803

 

 

$

3,707

 

 

$

16,860

 

 

$

19,696

 

 

$

3,566

 

 

For the Nine Months Ended September 30,

 

2020

 

 

2019

 

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

5,401

 

 

$

4

 

 

$

4,127

 

 

$

1

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

6,793

 

 

 

128

 

 

 

4,468

 

 

 

81

 

Secured by residential real estate

 

 

2,014

 

 

 

53

 

 

 

1,716

 

 

 

30

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

849

 

 

 

8

 

 

 

1,060

 

 

 

9

 

Home equity loans and lines

 

 

661

 

 

 

1

 

 

 

198

 

 

 

1

 

Consumer

 

 

68

 

 

 

—

 

 

 

74

 

 

 

—

 

Total

 

$

15,786

 

 

$

194

 

 

$

11,643

 

 

$

122