XML 35 R25.htm IDEA: XBRL DOCUMENT v3.22.2
Note 8 - Loans & Allowance for Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2022
Troubled Debt Restructuring [Member]  
Allowance for Loan Losses

 

 

 

June 30, 2022

 

 

December 31, 2021

 

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TDRs with no specific allowance recorded

 

$

4,118

 

 

$

—

 

 

$

1,477

 

 

$

—

 

TDRs with an allowance recorded

 

 

750

 

 

 

468

 

 

 

3,323

 

 

 

690

 

Total

 

$

4,868

 

 

$

468

 

 

$

4,800

 

 

$

690

 

 
Retail and Commercial Loans [Member]  
Major Classes of Loans

 

 

June 30,

 

 

December 31,

 

 

 

2022

 

 

2021

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

144,516

 

 

$

148,610

 

Construction

 

 

59,772

 

 

 

55,855

 

Secured by commercial real estate

 

 

475,066

 

 

 

451,404

 

Secured by residential real estate

 

 

94,900

 

 

 

84,741

 

State and political subdivisions

 

 

19,202

 

 

 

19,775

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

105,659

 

 

 

100,281

 

Home equity loans and lines

 

 

60,199

 

 

 

61,782

 

Consumer

 

 

4,398

 

 

 

4,699

 

Total loans

 

 

963,712

 

 

 

927,147

 

Net unearned (fees) costs

 

 

(298

)

 

 

(677

)

Loans receivable

 

$

963,414

 

 

$

926,470

 

 
Internal Risk Ratings and Payment Activity

 

June 30, 2022

 

Pass

 

 

Special

mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

137,329

 

 

$

124

 

 

$

7,063

 

 

$

—

 

 

$

144,516

 

Construction

 

 

59,772

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

59,772

 

Secured by commercial real estate

 

 

461,639

 

 

 

2,628

 

 

 

10,799

 

 

 

—

 

 

 

475,066

 

Secured by residential real estate

 

 

93,729

 

 

 

197

 

 

 

974

 

 

 

—

 

 

 

94,900

 

State and political subdivisions

 

 

19,202

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

19,202

 

Total

 

$

771,671

 

 

$

2,949

 

 

$

18,836

 

 

$

—

 

 

$

793,456

 

 

December 31, 2021

 

Pass

 

 

Special

mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

141,102

 

 

$

151

 

 

$

7,357

 

 

$

—

 

 

$

148,610

 

Construction

 

 

55,855

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

55,855

 

Secured by commercial real estate

 

 

438,519

 

 

 

2,848

 

 

 

10,037

 

 

 

—

 

 

 

451,404

 

Secured by residential real estate

 

 

83,604

 

 

 

—

 

 

 

1,137

 

 

 

—

 

 

 

84,741

 

State and political subdivisions

 

 

19,775

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

19,775

 

Total

 

$

738,855

 

 

$

2,999

 

 

$

18,531

 

 

$

—

 

 

$

760,385

 

 

June 30, 2022

 

Performing

 

 

Non-performing

 

 

Total

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

$

104,865

 

 

$

794

 

 

$

105,659

 

Home equity loans and lines

 

 

59,727

 

 

 

472

 

 

 

60,199

 

Consumer

 

 

4,273

 

 

 

125

 

 

 

4,398

 

Total

 

$

168,865

 

 

$

1,391

 

 

$

170,256

 

 

December 31, 2021

 

Performing

 

 

Non-performing

 

 

Total

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

$

99,560

 

 

$

721

 

 

$

100,281

 

Home equity loans and lines

 

 

61,102

 

 

 

680

 

 

 

61,782

 

Consumer

 

 

4,609

 

 

 

90

 

 

 

4,699

 

Total

 

$

165,271

 

 

$

1,491

 

 

$

166,762

 
Past Due Loans

June 30, 2022

 

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

 

$

2,230

 

 

$

32

 

 

$

551

 

 

$

2,813

 

 

$

141,703

 

 

$

144,516

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

59,772

 

 

 

59,772

 

Secured by commercial real estate

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

475,066

 

 

 

475,066

 

Secured by residential real estate

 

 

—

 

 

 

—

 

 

 

21

 

 

 

21

 

 

 

94,879

 

 

 

94,900

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

19,202

 

 

 

19,202

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

—

 

 

 

126

 

 

 

126

 

 

 

105,533

 

 

 

105,659

 

Home equity loans and lines

 

 

4

 

 

 

—

 

 

 

155

 

 

 

159

 

 

 

60,040

 

 

 

60,199

 

Consumer

 

 

32

 

 

 

18

 

 

 

38

 

 

 

88

 

 

 

4,310

 

 

 

4,398

 

Total

 

$

2,266

 

 

$

50

 

 

$

891

 

 

$

3,207

 

 

$

960,505

 

 

$

963,712

 

 

December 31, 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

 

$

2,288

 

 

$

1

 

 

$

596

 

 

$

2,885

 

 

$

145,725

 

 

$

148,610

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

55,855

 

 

 

55,855

 

Secured by commercial real estate

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

451,404

 

 

 

451,404

 

Secured by residential real estate

 

 

—

 

 

 

—

 

 

 

30

 

 

 

30

 

 

 

84,711

 

 

 

84,741

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

19,775

 

 

 

19,775

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

1,139

 

 

 

—

 

 

 

127

 

 

 

1,266

 

 

 

99,015

 

 

 

100,281

 

Home equity loans and lines

 

 

21

 

 

 

—

 

 

 

10

 

 

 

31

 

 

 

61,751

 

 

 

61,782

 

Consumer

 

 

20

 

 

 

11

 

 

 

—

 

 

 

31

 

 

 

4,668

 

 

 

4,699

 

Total

 

$

3,468

 

 

$

12

 

 

$

763

 

 

$

4,243

 

 

$

922,904

 

 

$

927,147

 
Non-accrual Loans

 

June 30, 2022

 

90 days or more past

due (still accruing)

 

 

Non-accrual

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

3,212

 

Construction

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

2,142

 

Secured by residential real estate

 

 

—

 

 

 

340

 

State and political subdivisions

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

794

 

Home equity loans and lines

 

 

—

 

 

 

472

 

Consumer

 

 

—

 

 

 

125

 

Total

 

$

—

 

 

$

7,085

 

 

December 31, 2021

 

90 days or more past

due (still accruing)

 

 

Non-accrual

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

3,369

 

Construction

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

2,279

 

Secured by residential real estate

 

 

—

 

 

 

391

 

State and political subdivisions

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

721

 

Home equity loans and lines

 

 

—

 

 

 

680

 

Consumer

 

 

—

 

 

 

90

 

Total

 

$

—

 

 

$

7,530

 

 
Allowance for Loan Losses

Activity in the allowance for loan losses for the three and six months ended June 30, 2022 and 2021 are as follows:

 

For the Three Months Ended June 30, 2022

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,192

 

 

$

(550

)

 

$

(8

)

 

$

76

 

 

$

2,710

 

Construction

 

 

709

 

 

 

(22

)

 

 

—

 

 

 

—

 

 

 

687

 

Secured by commercial real estate

 

 

3,813

 

 

 

523

 

 

 

—

 

 

 

—

 

 

 

4,336

 

Secured by residential real estate

 

 

1,029

 

 

 

149

 

 

 

—

 

 

 

3

 

 

 

1,181

 

State and political subdivisions

 

 

68

 

 

 

9

 

 

 

—

 

 

 

—

 

 

 

77

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

665

 

 

 

15

 

 

 

—

 

 

 

—

 

 

 

680

 

Home equity loans and lines

 

 

398

 

 

 

13

 

 

 

—

 

 

 

1

 

 

 

412

 

Consumer

 

 

588

 

 

 

(100

)

 

 

(16

)

 

 

10

 

 

 

482

 

Unallocated

 

 

769

 

 

 

(37

)

 

N/A

 

 

N/A

 

 

 

732

 

Total

 

$

11,231

 

 

$

—

 

 

$

(24

)

 

$

90

 

 

$

11,297

 

 

 

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 Six Months Ended June 30, 2022

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,368

 

 

$

(792

)

 

$

(8

)

 

$

142

 

 

$

2,710

 

Construction

 

 

363

 

 

 

324

 

 

 

—

 

 

 

—

 

 

 

687

 

Secured by commercial real estate

 

 

4,280

 

 

 

56

 

 

 

—

 

 

 

—

 

 

 

4,336

 

Secured by residential real estate

 

 

1,035

 

 

 

140

 

 

 

—

 

 

 

6

 

 

 

1,181

 

State and political subdivisions

 

 

69

 

 

 

8

 

 

 

—

 

 

 

—

 

 

 

77

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

—

 

1-4 family residential mortgages

 

 

646

 

 

 

34

 

 

 

—

 

 

 

—

 

 

 

680

 

Home equity loans and lines

 

 

376

 

 

 

34

 

 

 

—

 

 

 

2

 

 

 

412

 

Consumer

 

 

542

 

 

 

(31

)

 

 

(47

)

 

 

18

 

 

 

482

 

Unallocated

 

 

505

 

 

 

227

 

 

N/A

 

 

N/A

 

 

 

732

 

Total

 

$

11,184

 

 

$

-

 

 

$

(55

)

 

$

168

 

 

$

11,297

 

 

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

 

 
Loans Disaggregated by Impairment Method

 

 

 

Allowance for Loan Losses

 

 

Loans Receivable

 

June 30, 2022

 

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

 

$

2,710

 

 

$

1,397

 

 

$

1,313

 

 

$

144,516

 

 

$

3,360

 

 

$

141,156

 

Construction

 

 

687

 

 

 

—

 

 

 

687

 

 

 

59,772

 

 

 

—

 

 

 

59,772

 

Secured by commercial real estate

 

 

4,336

 

 

 

110

 

 

 

4,226

 

 

 

475,066

 

 

 

5,511

 

 

 

469,555

 

Secured by residential real estate

 

 

1,181

 

 

 

340

 

 

 

841

 

 

 

94,900

 

 

 

1,413

 

 

 

93,487

 

State and political subdivisions

 

 

77

 

 

 

—

 

 

 

77

 

 

 

19,202

 

 

 

—

 

 

 

19,202

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

680

 

 

 

—

 

 

 

680

 

 

 

105,659

 

 

 

965

 

 

 

104,694

 

Home equity loans and lines

 

 

412

 

 

 

125

 

 

 

287

 

 

 

60,199

 

 

 

472

 

 

 

59,727

 

Consumer

 

 

482

 

 

 

—

 

 

 

482

 

 

 

4,398

 

 

 

49

 

 

 

4,349

 

Unallocated

 

 

732

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Total

 

$

11,297

 

 

$

1,972

 

 

$

8,593

 

 

$

963,712

 

 

$

11,770

 

 

$

951,942

 

 

 

 

 

Allowance for Loan Losses

 

 

Loans Receivable

 

December 31, 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

 

$

3,368

 

 

$

2,090

 

 

$

1,278

 

 

$

148,610

 

 

$

3,517

 

 

$

145,093

 

Construction

 

 

363

 

 

 

—

 

 

 

363

 

 

 

55,855

 

 

 

—

 

 

 

55,855

 

Secured by commercial real estate

 

 

4,280

 

 

 

312

 

 

 

3,968

 

 

 

451,404

 

 

 

5,654

 

 

 

445,750

 

Secured by residential real estate

 

 

1,035

 

 

 

368

 

 

 

667

 

 

 

84,741

 

 

 

1,387

 

 

 

83,354

 

State and political subdivisions

 

 

69

 

 

 

—

 

 

 

69

 

 

 

19,775

 

 

 

—

 

 

 

19,775

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

646

 

 

 

—

 

 

 

646

 

 

 

100,281

 

 

 

893

 

 

 

99,388

 

Home equity loans and lines

 

 

376

 

 

 

100

 

 

 

276

 

 

 

61,782

 

 

 

688

 

 

 

61,094

 

Consumer

 

 

542

 

 

 

3

 

 

 

539

 

 

 

4,699

 

 

 

53

 

 

 

4,646

 

Unallocated

 

 

505

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Total

 

$

11,184

 

 

$

2,873

 

 

$

7,806

 

 

$

927,147

 

 

$

12,192

 

 

$

914,955

 
Impaired Loans

 

 

 

June 30, 2022

 

 

December 31, 2021

 

 

 

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

 

$

148

 

 

$

148

 

 

 

 

 

 

$

150

 

 

$

157

 

 

 

 

 

Construction

 

 

—

 

 

 

—

 

 

 

 

 

 

 

—

 

 

 

—

 

 

 

 

 

Secured by commercial real estate

 

 

4,698

 

 

 

5,077

 

 

 

 

 

 

 

2,361

 

 

 

2,702

 

 

 

 

 

Secured by residential real estate

 

 

791

 

 

 

844

 

 

 

 

 

 

 

715

 

 

 

768

 

 

 

 

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

965

 

 

 

1,085

 

 

 

 

 

 

 

893

 

 

 

1,002

 

 

 

 

 

Home equity loans and lines

 

 

304

 

 

 

354

 

 

 

 

 

 

 

514

 

 

 

586

 

 

 

 

 

Consumer

 

 

49

 

 

 

65

 

 

 

 

 

 

 

—

 

 

 

—

 

 

 

 

 

Total

 

$

6,955

 

 

$

7,573

 

 

 

 

 

 

$

4,633

 

 

$

5,215

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,212

 

 

$

3,731

 

 

$

1,397

 

 

$

3,367

 

 

$

3,825

 

 

$

2,090

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

813

 

 

 

995

 

 

 

110

 

 

 

3,293

 

 

 

3,451

 

 

 

312

 

Secured by residential real estate

 

 

622

 

 

 

746

 

 

 

340

 

 

 

672

 

 

 

787

 

 

 

368

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Home equity loans and lines

 

 

168

 

 

 

191

 

 

 

125

 

 

 

174

 

 

 

193

 

 

 

100

 

Consumer

 

 

—

 

 

 

—

 

 

 

—

 

 

 

53

 

 

 

68

 

 

 

3

 

Total

 

$

4,815

 

 

$

5,663

 

 

$

1,972

 

 

$

7,559

 

 

$

8,324

 

 

$

2,873

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,360

 

 

$

3,879

 

 

$

1,397

 

 

$

3,517

 

 

$

3,982

 

 

$

2,090

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

5,511

 

 

 

6,072

 

 

 

110

 

 

 

5,654

 

 

 

6,153

 

 

 

312

 

Secured by residential real estate

 

 

1,413

 

 

 

1,590

 

 

 

340

 

 

 

1,387

 

 

 

1,555

 

 

 

368

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

965

 

 

 

1,085

 

 

 

—

 

 

 

893

 

 

 

1,002

 

 

 

—

 

Home equity loans and lines

 

 

472

 

 

 

545

 

 

 

125

 

 

 

688

 

 

 

779

 

 

 

100

 

Consumer

 

 

49

 

 

 

65

 

 

 

—

 

 

 

53

 

 

 

68

 

 

 

3

 

Total

 

$

11,770

 

 

$

13,236

 

 

$

1,972

 

 

$

12,192

 

 

$

13,539

 

 

$

2,873

 

 

For the Six Months Ended June 30,

 

2022

 

 

2021

 

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,442

 

 

$

3

 

 

$

3,940

 

 

$

2

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

5,592

 

 

 

74

 

 

 

5,909

 

 

 

81

 

Secured by residential real estate

 

 

1,381

 

 

 

23

 

 

 

1,903

 

 

 

32

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

938

 

 

 

3

 

 

 

899

 

 

 

3

 

Home equity loans and lines

 

 

515

 

 

 

—

 

 

 

750

 

 

 

—

 

Consumer

 

 

51

 

 

 

—

 

 

 

59

 

 

 

—

 

Total

 

$

11,919

 

 

$

103

 

 

$

13,460

 

 

$

118