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ALLOWANCE FOR CREDIT LOSSES AND CREDIT QUALITY INFORMATION
 12 Months Ended
Dec. 31, 2024
Receivables [Abstract]  
ALLOWANCE FOR CREDIT LOSSES AND CREDIT QUALITY INFORMATION
7. ALLOWANCE FOR CREDIT LOSSES AND CREDIT QUALITY INFORMATION
The following tables provide the activity of the Company's allowance for credit losses and loan and lease balances for the years ended December 31, 2024, 2023, and 2022. During 2024, the increase was primarily due to net loan growth, as well as increases in criticized loan levels in the commercial mortgages portfolio and specific reserves on certain commercial loans.
 
(Dollars in thousands)Commercial and Industrial
Owner-
occupied
Commercial
Commercial
Mortgages
ConstructionCommercial Small Business Leases
Residential(1)
Consumer(2)
Total
Year Ended December 31, 2024
Allowance for credit losses
Beginning balance$49,394 $10,719 $36,055 $10,762 $15,170 $5,483 $58,543 $186,126 
Charge-offs(15,490)(177)(5,749)— (20,033)(125)(23,549)(65,123)
Recoveries6,883 217 183 — 2,705 225 2,654 12,867 
Provision (release)16,344 (1,620)18,473 (1,577)18,123 (17)11,685 61,411 
Ending balance$57,131 $9,139 $48,962 $9,185 $15,965 $5,566 $49,333 $195,281 
Period-end allowance allocated to:
Loans evaluated on an individual basis$8,349 $— $— $— $— $— $— $8,349 
Loans evaluated on a collective basis48,782 9,139 48,962 9,185 15,965 5,566 49,333 186,932 
Ending balance$57,131 $9,139 $48,962 $9,185 $15,965 $5,566 $49,333 $195,281 
Period-end loan balances:
Loans evaluated on an individual basis
$61,674 $5,010 $22,223 $25,600 $— $8,315 $2,790 $125,612 
Loans evaluated on a collective basis2,594,500 1,968,635 4,008,404 806,493 647,516 953,111 2,083,603 13,062,262 
Ending balance$2,656,174 $1,973,645 $4,030,627 $832,093 $647,516 $961,426 $2,086,393 $13,187,874 
(1)Period-end loan balance excludes reverse mortgages at fair value of $3.6 million.
(2)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.
(Dollars in thousands)Commercial and IndustrialOwner-
occupied
Commercial		Commercial
Mortgages		ConstructionCommercial Small Business Leases
Residential(1)
Consumer(2)
Total
Year Ended December 31, 2023
Allowance for credit losses
Beginning balance$49,526 $6,019 $21,473 $6,987 $9,868 $4,668 $53,320 $151,861 
Charge-offs(26,653)(184)(300)(794)(15,641)(41)(22,394)(66,007)
Recoveries7,735 54 7 532 1,986 260 1,625 12,199 
Provision18,786 4,830 14,875 4,037 18,957 596 25,992 88,073 
Ending balance$49,394 $10,719 $36,055 $10,762 $15,170 $5,483 $58,543 $186,126 
Period-end allowance allocated to:
Loans evaluated on an individual basis$1,591 $— $— $— $— $— $— $1,591 
Loans evaluated on a collective basis47,803 10,719 36,055 10,762 15,170 5,483 58,543 184,535 
Ending balance$49,394 $10,719 $36,055 $10,762 $15,170 $5,483 $58,543 $186,126 
Period-end loan balances:
Loans evaluated on an individual basis$19,221 $5,200 $22,295 $12,617 $— $5,876 $2,287 $67,496 
Loans evaluated on a collective basis2,520,849 1,880,887 3,778,885 1,022,913 623,622 862,019 2,009,847 12,699,022 
Ending balance$2,540,070 $1,886,087 $3,801,180 $1,035,530 $623,622 $867,895 $2,012,134 $12,766,518 
(1)Period-end loan balance excludes reverse mortgages at fair value of $2.8 million.
(2)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.
(Dollars in thousands)Commercial and Industrial
Owner-
occupied
Commercial
Commercial
Mortgages
ConstructionCommercial Small Business Leases
Residential(1)
Consumer(2)
Total
Year Ended December 31, 2022
Allowance for credit losses
Beginning balance$43,987 $4,574 $11,623 $1,903 $5,980 $3,352 $23,088 $94,507 
Impact of adoption ASC 326(3)
22,613 595 2,684 71 1 61 78 26,103 
Charge-offs(12,500)(179)(581)— (6,504)(186)(7,520)(27,470)
Recoveries4,806 278 223 2,567 1,306 665 793 10,638 
(Release) provision(9,380)751 7,524 2,446 9,085 776 36,881 48,083 
Ending balance$49,526 $6,019 $21,473 $6,987 $9,868 $4,668 $53,320 $151,861 
Period-end allowance allocated to:
Loans evaluated on an individual basis$2,428 $— $— $— $— $— $— $2,428 
Loans evaluated on a collective basis47,098 6,019 21,473 6,987 9,868 4,668 53,320 149,433 
Ending balance$49,526 $6,019 $21,473 $6,987 $9,868 $4,668 $53,320 $151,861 
Period-end loan balances:
Loans evaluated on an individual basis$17,572 $1,929 $6,369 $5,143 $— $7,680 $2,047 $40,740 
Loans evaluated on a collective basis2,557,773 1,807,653 3,344,715 1,038,906 558,981 751,785 1,808,883 11,868,696 
Ending balance$2,575,345 $1,809,582 $3,351,084 $1,044,049 $558,981 $759,465 $1,810,930 $11,909,436 
(1)Period-end loan balance excludes reverse mortgages at fair value of $2.4 million.
(2)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.
(3)Includes $23.5 million initial provision for credit losses on non-PCD loans.
The following tables show nonaccrual and past due loans presented at amortized cost at the date indicated: 
December 31, 2024
(Dollars in thousands)30–89 Days
Past Due and
Still Accruing
Greater Than
90 Days
Past Due and
Still Accruing
Total Past
Due
And Still
Accruing
Accruing
Current
Balances
Nonaccrual Loans With No AllowanceNonaccrual Loans With An Allowance
Total
Loans
Commercial and industrial$1,482 $488 $1,970 $2,592,395 $43,206 $18,603 $2,656,174 
Owner-occupied commercial706 196 902 1,968,033 4,710 — 1,973,645 
Commercial mortgages2,621 562 3,183 4,005,221 22,223 — 4,030,627 
Construction— — — 806,493 25,600 — 832,093 
Commercial small business leases8,409 566 8,975 638,541 — — 647,516 
Residential(1)
4,262 15 4,277 952,138 5,011 — 961,426 
Consumer(2)
18,086 7,375 25,461 2,058,104 2,828 — 2,086,393 
Total(4)
$35,566 $9,202 $44,768 $13,020,925 $103,578 $18,603 $13,187,874 
% of Total Loans0.27 %0.07 %0.34 %98.73 %0.79 %0.14 %100.00 %
(1)Residential accruing current balances exclude reverse mortgages at fair value of $3.6 million.
(2)Includes $15.6 million of delinquent, but still accruing, U.S. government-guaranteed student loans that carry little risk of credit loss.
December 31, 2023
(Dollars in thousands)30–89 Days
Past Due and
Still Accruing
Greater Than
90 Days
Past Due and
Still Accruing
Total Past
Due
And Still
Accruing
Accruing
Current
Balances
Nonaccrual Loans With No Allowance(1)
Nonaccrual Loans With An AllowanceTotal Loans
Commercial and industrial(2)
$1,630 $293 $1,923 $2,518,934 $13,645 $5,568 $2,540,070 
Owner-occupied commercial1,786 487 2,273 1,878,952 4,862 — 1,886,087 
Commercial mortgages1,190 — 1,190 3,777,698 22,292 — 3,801,180 
Construction— — — 1,022,913 12,617 — 1,035,530 
Commercial small business leases6,697 772 7,469 616,153 — — 623,622 
Residential(2)
9,261 — 9,261 856,055 2,579 — 867,895 
Consumer(3)
15,249 10,032 25,281 1,984,407 2,446 — 2,012,134 
Total$35,813 $11,584 $47,397 $12,655,112 $58,441 $5,568 $12,766,518 
% of Total Loans0.28 %0.09 %0.37 %99.13 %0.46 %0.04 %100.00 %
(1)Excludes nonaccruing loans held-for-sale.
(2)Residential accruing current balances exclude reverse mortgages at fair value of $2.8 million.
(3)Includes $14.5 million of delinquent, but still accruing, U.S. government-guaranteed student loans that carry little risk of credit loss.
The following table presents the amortized cost basis of nonaccruing collateral-dependent loans by class at December 31, 2024 and December 31, 2023:
December 31, 2024December 31, 2023
(Dollars in thousands)PropertyEquipment and otherPropertyEquipment and other
Commercial and industrial(1)
$41,105 $20,704 $17,230 $1,983 
Owner-occupied commercial4,710 — 4,862 — 
Commercial mortgages22,223 — 22,292 — 
Construction25,600 — 12,617 — 
Residential(2)
5,011 — 2,579 — 
Consumer(3)
2,828 — 2,446 — 
Total$101,477 $20,704 $62,026 $1,983 
(1)Excludes nonaccruing loans held-for-sale in 2023.
(2)Excludes reverse mortgages at fair value.
(3)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.
As of December 31, 2024, there were 31 residential loans and 15 commercial loans in the process of foreclosure. The total outstanding balance on the loans was $5.6 million and $6.6 million, respectively. As of December 31, 2023, there were 31 residential loans and 9 commercial loans in the process of foreclosure. The total outstanding balance on the loans was $3.2 million and $1.1 million, respectively. Loan workout and other real estate owned (OREO) expenses were $1.7 million in 2024, $0.6 million in 2023, and $0.4 million in 2022. Loan workout and OREO expenses are included in Loan workout and other credit costs on the Consolidated Statements of Income.
Credit Quality Indicators
Below is a description of each of the risk ratings for all commercial loans:
 
•Pass. These borrowers currently show no indication of deterioration or potential problems and their loans are considered fully collectible.
•Special Mention. These borrowers have potential weaknesses that deserve management’s close attention. Borrowers in this category may be experiencing adverse operating trends, for example, declining revenues or margins, high leverage, tight liquidity, or increasing inventory without increasing sales. These adverse trends can have a potential negative effect on the borrower’s repayment capacity. These assets are not adversely classified and do not expose the Bank to significant risk that would warrant a more severe rating. Borrowers in this category may also be experiencing significant management problems, pending litigation, or other structural credit weaknesses.
•Substandard or Lower. These borrowers have well-defined weaknesses that require extensive oversight by management. Borrowers in this category may exhibit one or more of the following: inadequate debt service coverage, unprofitable operations, insufficient liquidity, high leverage, and weak or inadequate capitalization. Relationships in this category are not adequately protected by the sound financial worth and paying capacity of the obligor or the collateral pledged on the loan, if any. A distinct possibility exists that the Bank will sustain some loss if the deficiencies are not corrected. In addition, some borrowers in this category could have the added characteristic that the possibility of loss is extremely high. Current circumstances in the credit relationship make collection or liquidation in full highly questionable. Such impending events include: perfecting liens on additional collateral, obtaining collateral valuations, an acquisition or liquidation preceding, proposed merger, or refinancing plan.
Residential and Consumer Loans
The residential and consumer loan portfolios are monitored on an ongoing basis using delinquency information and loan type as credit quality indicators. These credit quality indicators are assessed in the aggregate in these relatively homogeneous portfolios. Loans that are greater than 90 days past due are generally considered nonperforming and placed on nonaccrual status.
The following table provides an analysis of loans by portfolio segment based on the credit quality indicators used to determine the allowance for credit losses as of December 31, 2024.
Term Loans Amortized Cost Basis by Origination Year(1)
20242023202220212020
Prior
Revolving loans amortized cost basisRevolving loans converted to termTotal
(Dollars in thousands)
Commercial and industrial:
Risk Rating
Pass$662,723 $542,655 $345,370 $126,173 $155,137 $309,445 $8,744 $252,524 $2,402,771 
Special mention18,861 386 4,147 1,176 2,490 607 — 1,868 29,535 
Substandard or Lower68,282 28,707 19,960 4,587 21,589 29,785 27 50,931 223,868 
$749,866 $571,748 $369,477 $131,936 $179,216 $339,837 $8,771 $305,323 $2,656,174 
Current-period gross writeoffs$102 $1,303 $4,276 $706 $275 $8,828 $— $— $15,490 
Owner-occupied commercial:
Risk Rating
Pass$285,146 $296,339 $224,797 $225,086 $168,368 $404,515 $— $238,356 $1,842,607 
Special mention— — 498 — 25,220 — — 756 26,474 
Substandard or Lower3,501 9,044 21,913 8,885 4,807 41,044 — 15,370 104,564 
$288,647 $305,383 $247,208 $233,971 $198,395 $445,559 $— $254,482 $1,973,645 
Current-period gross writeoffs$— $114 $— $— $— $63 $— $— $177 
Commercial mortgages:
Risk Rating
Pass$546,404 $740,711 $396,458 $414,546 $379,637 $858,744 $— $506,394 $3,842,894 
Special mention15,606 3,389 — 1,962 2,356 2,136 — 36,738 62,187 
Substandard or Lower43,572 23,996 16,328 2,077 20,880 18,165 — 528 125,546 
$605,582 $768,096 $412,786 $418,585 $402,873 $879,045 $— $543,660 $4,030,627 
Current-period gross writeoffs$— $62 $— $— $97 $5,590 $— $— $5,749 
Construction:
Risk Rating
Pass$318,363 $277,130 $161,517 $3,112 $87 $3,319 $— $22,416 $785,944 
Special mention— — — — — — — — — 
Substandard or Lower19,759 — 20,779 791 — — — 4,820 46,149 
$338,122 $277,130 $182,296 $3,903 $87 $3,319 $— $27,236 $832,093 
Current-period gross writeoffs$— $— $— $— $— $— $— $— $— 
Commercial small business leases:
Risk Rating
Performing$247,583 $189,509 $121,990 $56,998 $14,569 $16,867 $— $— $647,516 
Nonperforming— — — — — — — — — 
$247,583 $189,509 $121,990 $56,998 $14,569 $16,867 $— $— $647,516 
Current-period gross writeoffs$1,018 $5,442 $8,216 $3,645 $1,235 $477 $— $— $20,033 
Residential(2):
Risk Rating
Performing$170,647 $176,923 $62,833 $92,574 $49,994 $399,981 $— $— $952,952 
Nonperforming— 120 360 3,468 983 3,543 — — 8,474 
$170,647 $177,043 $63,193 $96,042 $50,977 $403,524 $— $— $961,426 
Current-period gross writeoffs$— $— $— $— $— $125 $— $— $125 
Consumer(3):
Risk Rating
Performing$282,465 $350,605 $446,701 $116,890 $85,633 $229,340 $564,839 $7,124 $2,083,597 
Nonperforming— 249 96 265 192 — 1,697 297 2,796 
$282,465 $350,854 $446,797 $117,155 $85,825 $229,340 $566,536 $7,421 $2,086,393 
Current-period gross writeoffs$1,282 $3,942 $13,955 $2,837 $863 $670 $— $— $23,549 
(1)Origination date represent the most recent underwriting of the loan which includes new relationships, renewals and extensions.
(2)Excludes reverse mortgages at fair value.
(3)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.
The following table provides an analysis of loans by portfolio segment based on the credit quality indicators used to determine the allowance for credit losses as of December 31, 2023.
Term Loans Amortized Cost Basis by Origination Year(1)
(Dollars in thousands)20232022202120202019
Prior
Revolving loans amortized cost basisRevolving loans converted to termTotal
Commercial and industrial:
Risk Rating
Pass$716,848 $490,934 $180,343 $211,151 $90,522 $383,609 $8,785 $237,786 $2,319,978 
Special mention7,209 11,860 2,804 463 735 743 — 1,649 25,463 
Substandard or Lower72,993 54,024 5,951 10,224 22,046 17,906 — 11,485 194,629 
$797,050 $556,818 $189,098 $221,838 $113,303 $402,258 $8,785 $250,920 $2,540,070 
Current-period gross writeoffs$— $568 $5,214 $1,747 $7,567 $11,557 $— $— $26,653 
Owner-occupied commercial:
Risk Rating
Pass$346,908 $264,895 $251,262 $212,365 $194,153 $313,801 $— $178,150 $1,761,534 
Special mention2,885 3,115 5,419 1,105 11,002 5,559 — 1,393 30,478 
Substandard or Lower996 18,865 11,109 6,787 8,019 35,330 — 12,969 94,075 
$350,789 $286,875 $267,790 $220,257 $213,174 $354,690 $— $192,512 $1,886,087 
Current-period gross writeoffs$— $— $— $— $184 $— $— $— $184 
Commercial mortgages:
Risk Rating
Pass$847,137 $464,895 $526,280 $465,354 $486,855 $619,448 $— $290,083 $3,700,052 
Special mention20,632 — 67 1,837 10,666 — — — 33,202 
Substandard or Lower9,862 1,153 1,047 13,837 14,352 12,212 — 15,463 67,926 
$877,631 $466,048 $527,394 $481,028 $511,873 $631,660 $— $305,546 $3,801,180 
Current-period gross writeoffs$— $83 $— $217 $— $— $— $— $300 
Construction:
Risk Rating
Pass$429,055 $319,958 $111,333 $3,030 $388 $7,016 $— $87,741 $958,521 
Special mention28,718 19,769 8,227 — — — — — 56,714 
Substandard or Lower5,698 — 3,308 8,598 2,134 — — 557 20,295 
$463,471 $339,727 $122,868 $11,628 $2,522 $7,016 $— $88,298 $1,035,530 
Current-period gross writeoffs$— $— $794 $— $— $— $— $— $794 
Commercial small business leases:
Risk Rating
Performing$260,348 $191,746 $103,428 $40,697 $15,411 $11,992 $— $— $623,622 
Nonperforming— — — — — — — — — 
$260,348 $191,746 $103,428 $40,697 $15,411 $11,992 $— $— $623,622 
Current-period gross writeoffs$1,528 $7,250 $4,447 $1,454 $735 $227 $— $— $15,641 
Residential(2):
Risk Rating
Performing$188,644 $67,358 $102,982 $57,273 $33,499 $412,099 $— $— $861,855 
Nonperforming— 170 713 486 1,251 3,420 — — 6,040 
$188,644 $67,528 $103,695 $57,759 $34,750 $415,519 $— $— $867,895 
Current-period gross writeoffs$33 $— $— $— $— $8 $— $— $41 
Consumer(3):
Risk Rating
Performing$391,580 $568,919 $153,930 $104,248 $44,996 $245,849 $494,663 $5,662 $2,009,847 
Nonperforming— — 135 352 176 30 1,362 232 2,287 
$391,580 $568,919 $154,065 $104,600 $45,172 $245,879 $496,025 $5,894 $2,012,134 
Current-period gross writeoffs$1,790 $15,227 $4,411 $313 $198 $455 $— $— $22,394 
(1)Origination date represents the most recent underwriting of the loan which includes new relationships, renewals and extensions.
(2)Excludes reverse mortgages at fair value.
(3)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.
Troubled Loans
The Company offers loan modifications to commercial and consumer borrowers that may result in a payment delay, interest rate reduction, term extension, principal forgiveness, or combination thereof. Loan modifications are offered on a case-by-case basis and are generally term extension, payment delay, and interest rate reduction modification types. Forbearance (due to hardship) programs result in modification types including payment delay and/or term extension. In addition, certain reorganization bankruptcy judgments may result in interest rate reduction, term extension, or principal forgiveness modification types.
The following tables show the amortized cost basis of troubled loans modified during the twelve months ended December 31, 2024 and 2023, disaggregated by portfolio segment and type of modification granted:
Twelve Months Ended December 31, 2024
(Dollars in thousands)Term ExtensionInterest Rate ReductionMore-Than-Insignificant Payment DelayCombination- Term Extension and Payment DelayCombination- Term Extension and Interest Rate ReductionCombination- Payment Delay and Interest Rate ReductionTotal% of Total Loan Category
Commercial and industrial$62,314 $— $15,682 $19,261 $27 $— $97,284 3.66 %
Owner-occupied commercial3,606 — — — — — 3,606 0.18 %
Commercial mortgages22,421 — — — — — 22,421 0.56 %
Construction1,188 — — — — 19,405 20,593 2.47 %
Residential— 120 24 — — — 144 0.01 %
Consumer(1)
716 — 2,821 3,703 — — 7,240 0.35 %
Total$90,245 $120 $18,527 $22,964 $27 $19,405 $151,288 1.15 %
Twelve Months Ended December 31, 2023
(Dollars in thousands)Term ExtensionInterest Rate ReductionMore-Than-Insignificant Payment DelayCombination- Term Extension and Payment DelayCombination- Term Extension and Interest Rate ReductionCombination - Payment Delay and Interest Rate ReductionTotal% of Total Loan Category
Commercial and industrial$44,123 $— $10,523 $5,568 $27 $— $60,241 1.90 %
Owner-occupied commercial66 — — — 138 — 204 0.01 %
Commercial mortgages9,386 — — — — — 9,386 0.25 %
Construction15,411 — — — — — 15,411 1.49 %
Residential561 — 216 — — — 777 0.09 %
Consumer(1)
1,782 — 1,937 5,092 156 194 9,161 0.46 %
Total$71,329 $— $12,676 $10,660 $321 $194 $95,180 0.75 %
(1)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.
The following table describes the financial effect of the modifications made to troubled loans during the twelve months ended December 31, 2024 and 2023:
Twelve Months Ended December 31, 2024Twelve Months Ended December 31, 2023
Term Extension(1)
Interest Rate Reduction(2)
More-Than-Insignificant Payment Delay(3)
Term Extension(1)
Interest Rate Reduction(2)
More-Than-Insignificant Payment Delay(3)
Commercial and industrial0.926.11%0.26%1.344.00%0.13%
Owner-occupied commercial0.90——0.952.59—
Commercial mortgages0.48——1.33——
Construction1.000.520.151.00——
Residential—4.25—20.18——
Consumer0.49—0.053.082.650.06
(1)Represents the weighted-average increase in the life of modified loans measured in years, which reduces monthly payment amounts for borrowers.
(2)Represents the weighted-average decrease in the contractual interest rate on the modified loans.
(3)Represents the percentage of loans deferred over the total loan portfolio excluding reverse mortgages at fair value.
As of December 31, 2024 and December 31, 2023, the Company had commitments to extend credit of $18.6 million and $18.4 million, respectively, to borrowers experiencing financial difficulty whose terms had been modified.
Upon the Company’s determination that a modified loan (or portion of a loan) has subsequently been deemed uncollectible, the loan (or a portion of the loan) is written off. Therefore, the amortized cost basis of the loan is reduced by the uncollectible amount and the allowance for credit losses is adjusted by the same amount.
The following tables show the amortized cost of loans that received a modification that had a payment default during the twelve months ended December 31, 2024 and 2023 and were modified in the 12 months before default to borrowers experiencing financial difficulty.
Twelve Months Ended December 31, 2024
Interest Rate ReductionMore-Than-Insignificant Payment DelayTotal
Residential$120 $24 $144 
Consumer— 96 96 
Total$120 $120 $240 
Twelve Months Ended December 31, 2023
More-Than-Insignificant Payment DelayCombination Term Extension & Payment DelayTotal
Commercial and industrial$— $5,568 $5,568 
Consumer98 — 98 
Total$98 $5,568 $5,666 
The Company closely monitors the performance of troubled loans to understand the effectiveness of its modification efforts. The following tables show the performance of loans that have been modified in the last 12 months as of December 31, 2024 and 2023:
December 31, 2024
(Dollars in thousands)30-89 Days Past Due and Still Accruing90+ Days Past Due and Still AccruingAccruing Current BalancesNonaccrual LoansTotal
Commercial and industrial$— $— $42,552 $54,732 $97,284 
Owner-occupied commercial— — 3,606 — 3,606 
Commercial mortgages— — 22,421 — 22,421 
Construction— — 20,593 — 20,593 
Residential— — — 144 144 
Consumer(3)
780 546 5,715 199 7,240 
Total$780 $546 $94,887 $55,075 $151,288 
(1)Includes home equity lines of credit, installment loans, unsecured lines of credit and education loans.

December 31, 2023
30-89 Days Past Due and Still Accruing90+ Days Past Due and Still AccruingAccruing Current BalancesNonaccrual LoansTotal
Commercial and industrial$21 $293 $53,989 $5,938 $60,241 
Owner-occupied commercial— — — 204 204 
Commercial mortgages— — 9,386 — 9,386 
Construction— — 15,411 — 15,411 
Residential— — 607 170 777 
Consumer(1)
1,021 205 7,539 396 9,161 
Total$1,042 $498 $86,932 $6,708 $95,180 
(1)Includes home equity lines of credit, installment loans and unsecured lines of credit.