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Note 8 - Loans & Allowance for Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2021
Troubled Debt Restructuring [Member]  
Allowance for Loan Losses

 

 

 

June 30, 2021

 

 

December 31, 2020

 

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TDRs with no specific allowance recorded

 

$

1,462

 

 

$

—

 

 

$

2,008

 

 

$

—

 

TDRs with an allowance recorded

 

 

3,621

 

 

 

823

 

 

 

3,304

 

 

 

503

 

Total

 

$

5,083

 

 

$

823

 

 

$

5,312

 

 

$

503

 

 
Retail and Commercial Loans [Member]  
Major Classes of Loans

 

 

June 30,

 

 

December 31,

 

 

 

2021

 

 

2020

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

191,900

 

 

$

227,431

 

Construction

 

 

49,411

 

 

 

57,594

 

Secured by commercial real estate

 

 

417,984

 

 

 

377,586

 

Secured by residential real estate

 

 

80,412

 

 

 

81,897

 

State and political subdivisions

 

 

24,085

 

 

 

25,302

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

91,100

 

 

 

82,739

 

Home equity loans and lines

 

 

62,978

 

 

 

63,943

 

Consumer

 

 

4,945

 

 

 

5,364

 

Total loans

 

 

922,815

 

 

 

921,856

 

Net unearned (fees) costs

 

 

(1,892

)

 

 

(1,814

)

Loans receivable

 

$

920,923

 

 

$

920,042

 

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

 

June 30, 2021

 

 

Total Number of Months Deferred

 

 

0-3 Months

 

 

4-6 Months

 

 

7-9 Months

 

 

10-12 Months

 

 

13+ Months

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

 

$

—

 

Construction

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by residential real estate

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

State and political subdivisions

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

—

 

1-4 family residential mortgages

 

—

 

 

 

228

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

228

 

Home equity loans and lines

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Consumer

 

—

 

 

 

—

 

 

 

—

 

 

 

4

 

 

 

 

 

 

 

4

 

Total COVID-19 Modified Loans

$

—

 

 

$

228

 

 

$

—

 

 

$

4

 

 

$

—

 

 

$

232

 
Internal Risk Ratings and Payment Activity

 

June 30, 2021

 

Pass

 

 

Special

mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

184,227

 

 

$

55

 

 

$

7,618

 

 

$

—

 

 

$

191,900

 

Construction

 

 

49,411

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

49,411

 

Secured by commercial real estate

 

 

401,540

 

 

 

2,889

 

 

 

13,555

 

 

 

—

 

 

 

417,984

 

Secured by residential real estate

 

 

79,052

 

 

 

—

 

 

 

1,360

 

 

 

—

 

 

 

80,412

 

State and political subdivisions

 

 

24,085

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

24,085

 

Total

 

$

738,315

 

 

$

2,944

 

 

$

22,533

 

 

$

—

 

 

$

763,792

 

 

December 31, 2020

 

Pass

 

 

Special

mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

219,104

 

 

$

77

 

 

$

8,250

 

 

$

—

 

 

$

227,431

 

Construction

 

 

57,594

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

57,594

 

Secured by commercial real estate

 

 

361,393

 

 

 

3,914

 

 

 

12,279

 

 

 

—

 

 

 

377,586

 

Secured by residential real estate

 

 

80,233

 

 

 

—

 

 

 

1,664

 

 

 

—

 

 

 

81,897

 

State and political subdivisions

 

 

25,302

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

25,302

 

Total

 

$

743,626

 

 

$

3,991

 

 

$

22,193

 

 

$

—

 

 

$

769,810

 

 

June 30, 2021

 

Performing

 

 

Non-performing

 

 

Total

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

$

90,352

 

 

$

748

 

 

$

91,100

 

Home equity loans and lines

 

 

62,239

 

 

 

739

 

 

 

62,978

 

Consumer

 

 

4,845

 

 

 

100

 

 

 

4,945

 

Total

 

$

157,436

 

 

$

1,587

 

 

$

159,023

 

 

December 31, 2020

 

Performing

 

 

Non-performing

 

 

Total

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

$

82,103

 

 

$

636

 

 

$

82,739

 

Home equity loans and lines

 

 

63,191

 

 

 

752

 

 

 

63,943

 

Consumer

 

 

5,259

 

 

 

105

 

 

 

5,364

 

Total

 

$

150,553

 

 

$

1,493

 

 

$

152,046

 
Past Due Loans

June 30, 2021

 

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

 

$

2,380

 

 

$

8

 

 

$

641

 

 

$

3,029

 

 

$

188,871

 

 

$

191,900

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

49,411

 

 

 

49,411

 

Secured by commercial real estate

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

417,984

 

 

 

417,984

 

Secured by residential real estate

 

 

—

 

 

 

—

 

 

 

197

 

 

 

197

 

 

 

80,215

 

 

 

80,412

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

24,085

 

 

 

24,085

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

—

 

 

 

132

 

 

 

132

 

 

 

90,968

 

 

 

91,100

 

Home equity loans and lines

 

 

—

 

 

 

39

 

 

 

31

 

 

 

70

 

 

 

62,908

 

 

 

62,978

 

Consumer

 

 

50

 

 

 

24

 

 

 

—

 

 

 

74

 

 

 

4,871

 

 

 

4,945

 

Total

 

$

2,430

 

 

$

71

 

 

$

1,001

 

 

$

3,502

 

 

$

919,313

 

 

$

922,815

 

 

December 31, 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

 

$

2,392

 

 

$

31

 

 

$

1,157

 

 

$

3,580

 

 

$

223,851

 

 

$

227,431

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

57,594

 

 

 

57,594

 

Secured by commercial real estate

 

 

318

 

 

 

—

 

 

 

40

 

 

 

358

 

 

 

377,228

 

 

 

377,586

 

Secured by residential real estate

 

 

189

 

 

 

—

 

 

 

340

 

 

 

529

 

 

 

81,368

 

 

 

81,897

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

25,302

 

 

 

25,302

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

396

 

 

 

303

 

 

 

282

 

 

 

981

 

 

 

81,758

 

 

 

82,739

 

Home equity loans and lines

 

 

16

 

 

 

2

 

 

 

51

 

 

 

69

 

 

 

63,874

 

 

 

63,943

 

Consumer

 

 

178

 

 

 

5

 

 

 

—

 

 

 

183

 

 

 

5,181

 

 

 

5,364

 

Total

 

$

3,489

 

 

$

341

 

 

$

1,870

 

 

$

5,700

 

 

$

916,156

 

 

$

921,856

 
Non-accrual Loans

 

June 30, 2021

 

90 days or more past

due (still accruing)

 

 

Non-accrual

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

3,598

 

Construction

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

2,404

 

Secured by residential real estate

 

 

—

 

 

 

596

 

State and political subdivisions

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

748

 

Home equity loans and lines

 

 

—

 

 

 

739

 

Consumer

 

 

—

 

 

 

100

 

Total

 

$

—

 

 

$

8,185

 

 

December 31, 2020

 

90 days or more past

due (still accruing)

 

 

Non-accrual

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

4,367

 

Construction

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

2,905

 

Secured by residential real estate

 

 

—

 

 

 

875

 

State and political subdivisions

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

636

 

Home equity loans and lines

 

 

—

 

 

 

752

 

Consumer

 

 

—

 

 

 

105

 

Total

 

$

—

 

 

$

9,640

 

 
Allowance for Loan Losses

Activity in the allowance for loan losses for the three and six months ended June 30, 2021 and 2020 are as follows:

 

For the Three Months Ended June 30, 2021

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,916

 

 

$

(285

)

 

$

—

 

 

$

13

 

 

$

3,644

 

Construction

 

 

313

 

 

 

(16

)

 

 

—

 

 

 

—

 

 

 

297

 

Secured by commercial real estate

 

 

4,094

 

 

 

145

 

 

 

—

 

 

 

—

 

 

 

4,239

 

Secured by residential real estate

 

 

825

 

 

 

383

 

 

 

(38

)

 

 

2

 

 

 

1,172

 

State and political subdivisions

 

 

86

 

 

 

(2

)

 

 

—

 

 

 

—

 

 

 

84

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

610

 

 

 

(69

)

 

 

—

 

 

 

—

 

 

 

541

 

Home equity loans and lines

 

 

368

 

 

 

3

 

 

 

(12

)

 

 

2

 

 

 

361

 

Consumer

 

 

263

 

 

 

294

 

 

 

(65

)

 

 

2

 

 

 

494

 

Unallocated

 

 

640

 

 

 

(270

)

 

N/A

 

 

N/A

 

 

 

370

 

Total

 

$

11,115

 

 

$

183

 

 

$

(115

)

 

$

19

 

 

$

11,202

 

 

 

For the Three Months Ended June 30, 2020

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

4,657

 

 

$

(323

)

 

$

(72

)

 

$

8

 

 

$

4,270

 

Construction

 

 

286

 

 

 

1

 

 

 

—

 

 

 

—

 

 

 

287

 

Secured by commercial real estate

 

 

3,286

 

 

 

125

 

 

 

—

 

 

 

12

 

 

 

3,423

 

Secured by residential real estate

 

 

608

 

 

 

108

 

 

 

—

 

 

 

5

 

 

 

721

 

State and political subdivisions

 

 

134

 

 

 

(14

)

 

 

—

 

 

 

—

 

 

 

120

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

660

 

 

 

(74

)

 

 

—

 

 

 

—

 

 

 

586

 

Home equity loans and lines

 

 

333

 

 

 

(71

)

 

 

—

 

 

 

4

 

 

 

266

 

Consumer

 

 

278

 

 

 

67

 

 

 

(102

)

 

 

25

 

 

 

268

 

Unallocated

 

 

92

 

 

 

431

 

 

N/A

 

 

N/A

 

 

 

523

 

Total

 

$

10,334

 

 

$

250

 

 

$

(174

)

 

$

54

 

 

$

10,464

 

 

 

For the Six Months Ended June 30, 2021

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

4,050

 

 

$

(432

)

 

$

—

 

 

$

26

 

 

$

3,644

 

Construction

 

 

346

 

 

 

(49

)

 

 

—

 

 

 

—

 

 

 

297

 

Secured by commercial real estate

 

 

3,736

 

 

 

503

 

 

 

—

 

 

 

—

 

 

 

4,239

 

Secured by residential real estate

 

 

871

 

 

 

326

 

 

 

(38

)

 

 

13

 

 

 

1,172

 

State and political subdivisions

 

 

89

 

 

 

(5

)

 

 

—

 

 

 

—

 

 

 

84

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

—

 

1-4 family residential mortgages

 

 

533

 

 

 

8

 

 

 

—

 

 

 

—

 

 

 

541

 

Home equity loans and lines

 

 

386

 

 

 

(17

)

 

 

(12

)

 

 

4

 

 

 

361

 

Consumer

 

 

265

 

 

 

304

 

 

 

(97

)

 

 

22

 

 

 

494

 

Unallocated

 

 

550

 

 

 

(180

)

 

N/A

 

 

N/A

 

 

 

370

 

Total

 

$

10,826

 

 

$

458

 

 

$

(147

)

 

$

65

 

 

$

11,202

 

 

 

For the Six Months Ended June 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

 

 

$

(364

)

 

$

(72

)

 

$

17

 

 

$

4,270

 

Construction

 

 

590

 

 

 

(303

)

 

 

—

 

 

 

—

 

 

 

287

 

Secured by commercial real estate

 

 

2,519

 

 

 

892

 

 

 

—

 

 

 

12

 

 

 

3,423

 

Secured by residential real estate

 

 

629

 

 

 

68

 

 

 

—

 

 

 

24

 

 

 

721

 

State and political subdivisions

 

 

115

 

 

 

5

 

 

 

—

 

 

 

—

 

 

 

120

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

549

 

 

 

37

 

 

 

—

 

 

 

—

 

 

 

586

 

Home equity loans and lines

 

 

310

 

 

 

(49

)

 

 

—

 

 

 

5

 

 

 

266

 

Consumer

 

 

230

 

 

 

197

 

 

 

(194

)

 

 

35

 

 

 

268

 

Unallocated

 

 

256

 

 

 

267

 

 

N/A

 

 

N/A

 

 

 

523

 

Total

 

$

9,887

 

 

$

750

 

 

$

(266

)

 

$

93

 

 

$

10,464

 

 
Loans Disaggregated by Impairment Method

 

 

 

Allowance for Loan Losses

 

 

Loans Receivable

 

June 30, 2021

 

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

 

$

3,644

 

 

$

2,207

 

 

$

1,437

 

 

$

191,900

 

 

$

3,706

 

 

$

188,194

 

Construction

 

 

297

 

 

 

—

 

 

 

297

 

 

 

49,411

 

 

 

—

 

 

 

49,411

 

Secured by commercial real estate

 

 

4,239

 

 

 

363

 

 

 

3,876

 

 

 

417,984

 

 

 

5,735

 

 

 

412,249

 

Secured by residential real estate

 

 

1,172

 

 

 

425

 

 

 

747

 

 

 

80,412

 

 

 

1,738

 

 

 

78,674

 

State and political subdivisions

 

 

84

 

 

 

—

 

 

 

84

 

 

 

24,085

 

 

 

—

 

 

 

24,085

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

541

 

 

 

—

 

 

 

541

 

 

 

91,100

 

 

 

922

 

 

 

90,178

 

Home equity loans and lines

 

 

361

 

 

 

105

 

 

 

256

 

 

 

62,978

 

 

 

750

 

 

 

62,228

 

Consumer

 

 

494

 

 

 

7

 

 

 

487

 

 

 

4,945

 

 

 

57

 

 

 

4,888

 

Unallocated

 

 

370

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Total

 

$

11,202

 

 

$

3,107

 

 

$

7,725

 

 

$

922,815

 

 

$

12,908

 

 

$

909,907

 

 

 

 

 

Allowance for Loan Losses

 

 

Loans Receivable

 

December 31, 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

 

$

4,050

 

 

$

2,421

 

 

$

1,629

 

 

$

227,431

 

 

$

4,503

 

 

$

222,928

 

Construction

 

 

346

 

 

 

—

 

 

 

346

 

 

 

57,594

 

 

 

—

 

 

 

57,594

 

Secured by commercial real estate

 

 

3,736

 

 

 

432

 

 

 

3,304

 

 

 

377,586

 

 

 

6,323

 

 

 

371,263

 

Secured by residential real estate

 

 

871

 

 

 

73

 

 

 

798

 

 

 

81,897

 

 

 

2,051

 

 

 

79,846

 

State and political subdivisions

 

 

89

 

 

 

—

 

 

 

89

 

 

 

25,302

 

 

 

—

 

 

 

25,302

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

533

 

 

 

—

 

 

 

533

 

 

 

82,739

 

 

 

813

 

 

 

81,926

 

Home equity loans and lines

 

 

386

 

 

 

117

 

 

 

269

 

 

 

63,943

 

 

 

765

 

 

 

63,178

 

Consumer

 

 

265

 

 

 

7

 

 

 

258

 

 

 

5,364

 

 

 

61

 

 

 

5,303

 

Unallocated

 

 

550

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Total

 

$

10,826

 

 

$

3,050

 

 

$

7,226

 

 

$

921,856

 

 

$

14,516

 

 

$

907,340

 
Impaired Loans

 

 

 

June 30, 2021

 

 

December 31, 2020

 

 

 

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

 

$

124

 

 

$

131

 

 

 

 

 

 

$

647

 

 

$

722

 

 

 

 

 

Construction

 

 

—

 

 

 

—

 

 

 

 

 

 

 

—

 

 

 

—

 

 

 

 

 

Secured by commercial real estate

 

 

2,510

 

 

 

2,867

 

 

 

 

 

 

 

3,018

 

 

 

3,671

 

 

 

 

 

Secured by residential real estate

 

 

844

 

 

 

918

 

 

 

 

 

 

 

1,417

 

 

 

1,608

 

 

 

 

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

922

 

 

 

1,019

 

 

 

 

 

 

 

813

 

 

 

894

 

 

 

 

 

Home equity loans and lines

 

 

571

 

 

 

622

 

 

 

 

 

 

 

537

 

 

 

577

 

 

 

 

 

Consumer

 

 

—

 

 

 

—

 

 

 

 

 

 

 

—

 

 

 

—

 

 

 

 

 

Total

 

$

4,971

 

 

$

5,557

 

 

 

 

 

 

$

6,432

 

 

$

7,472

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,582

 

 

$

5,277

 

 

$

2,207

 

 

$

3,856

 

 

$

5,462

 

 

$

2,421

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

3,225

 

 

 

3,364

 

 

 

363

 

 

 

3,305

 

 

 

3,418

 

 

 

432

 

Secured by residential real estate

 

 

894

 

 

 

999

 

 

 

425

 

 

 

634

 

 

 

642

 

 

 

73

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Home equity loans and lines

 

 

179

 

 

 

194

 

 

 

105

 

 

 

228

 

 

 

239

 

 

 

117

 

Consumer

 

 

57

 

 

 

71

 

 

 

7

 

 

 

61

 

 

 

73

 

 

 

7

 

Total

 

$

7,937

 

 

$

9,905

 

 

$

3,107

 

 

$

8,084

 

 

$

9,834

 

 

$

3,050

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,706

 

 

$

5,408

 

 

$

2,207

 

 

$

4,503

 

 

$

6,184

 

 

$

2,421

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

5,735

 

 

 

6,231

 

 

 

363

 

 

 

6,323

 

 

 

7,089

 

 

 

432

 

Secured by residential real estate

 

 

1,738

 

 

 

1,917

 

 

 

425

 

 

 

2,051

 

 

 

2,250

 

 

 

73

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

922

 

 

 

1,019

 

 

 

—

 

 

 

813

 

 

 

894

 

 

 

—

 

Home equity loans and lines

 

 

750

 

 

 

816

 

 

 

105

 

 

 

765

 

 

 

816

 

 

 

117

 

Consumer

 

 

57

 

 

 

71

 

 

 

7

 

 

 

61

 

 

 

73

 

 

 

7

 

Total

 

$

12,908

 

 

$

15,462

 

 

$

3,107

 

 

$

14,516

 

 

$

17,306

 

 

$

3,050

 

 

For the Six Months Ended June 30,

 

2021

 

 

2020

 

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,940

 

 

$

2

 

 

$

5,543

 

 

$

3

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

5,909

 

 

 

81

 

 

 

6,919

 

 

 

85

 

Secured by residential real estate

 

 

1,903

 

 

 

32

 

 

 

2,027

 

 

 

36

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

899

 

 

 

3

 

 

 

862

 

 

 

6

 

Home equity loans and lines

 

 

750

 

 

 

—

 

 

 

628

 

 

 

—

 

Consumer

 

 

59

 

 

 

—

 

 

 

68

 

 

 

—

 

Total

 

$

13,460

 

 

$

118

 

 

$

16,047

 

 

$

130