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LOANS AND ALLOWANCE FOR LOAN LOSSES
 9 Months Ended
Sep. 30, 2020
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract]  
LOANS AND ALLOWANCE FOR LOAN LOSSES
NOTE 4 – LOANS AND ALLOWANCE FOR LOAN LOSSES

Loans are comprised of the following:

  
September 30,
2020
    
December 31,
2019
  
             
Residential real estate
  
$
313,090
    
$
310,253
  
Commercial real estate:
                
Owner-occupied
    
52,214
      
55,825
  
Nonowner-occupied
    
161,934
      
131,398
  
   Construction
    
35,247
      
34,913
  
Commercial and industrial
    
158,833
      
100,023
  
Consumer:
                
Automobile
    
56,370
      
63,770
  
Home equity
    
19,531
      
22,882
  
Other
    
55,819
      
53,710
  
     
853,038
      
772,774
  
Less:  Allowance for loan losses
    
(7,730
)
    
(6,272
)
                 
Loans, net
  
$
845,308
    
$
766,502
  

Commercial and industrial loans include $35,114 of loans originated under the PPP at September 30, 2020.

The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2020 and 2019:

September 30, 2020
  
Residential
Real Estate
    
Commercial
Real Estate
    
Commercial
and Industrial
    
Consumer
    
Total
  
Allowance for loan losses:
                              
Beginning balance
  
$
2,024
    
$
2,700
    
$
1,649
    
$
1,608
    
$
7,981
  
Provision for loan losses
    
(275
)
    
(98
)
    
230
      
141
      
(2
)
Loans charged off
    
(90
)
    
—
      
(96
)
    
(398
)
    
(584
)
Recoveries
    
110
      
15
      
44
      
166
      
335
  
Total ending allowance balance
  
$
1,769
    
$
2,617
    
$
1,827
    
$
1,517
    
$
7,730
  

September 30, 2019
  
Residential
Real Estate
    
Commercial
Real Estate
    
Commercial
and Industrial
    
Consumer
    
Total
  
Allowance for loan losses:
                              
Beginning balance
  
$
1,973
    
$
2,222
    
$
1,095
    
$
2,111
    
$
7,401
  
Provision for loan losses
    
(165
)
    
(536
)
    
1,193
      
(48
)
    
444
  
Loans charged-off
    
(465
)
    
—
      
(1,168
)
    
(419
)
    
(2,052
)
Recoveries
    
80
      
92
      
11
      
177
      
360
  
Total ending allowance balance
  
$
1,423
    
$
1,778
    
$
1,131
    
$
1,821
    
$
6,153
  

The following table presents the activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2020 and 2019:

September 30, 2020
  
Residential
Real Estate
    
Commercial
Real Estate
    
Commercial
and Industrial
    
Consumer
    
Total
  
Allowance for loan losses:
                              
Beginning balance
  
$
1,250
    
$
1,928
    
$
1,447
    
$
1,647
    
$
6,272
  
Provision for loan losses
    
715
      
1,131
      
505
      
1,100
      
3,451
  
Loans charged-off
    
(340
)
    
(516
)
    
(185
)
    
(1,677
)
    
(2,718
)
Recoveries
    
144
      
74
      
60
      
447
      
725
  
Total ending allowance balance
  
$
1,769
    
$
2,617
    
$
1,827
    
$
1,517
    
$
7,730
  

September 30, 2019
  
Residential
Real Estate
    
Commercial
Real Estate
    
Commercial
and Industrial
    
Consumer
    
Total
  
Allowance for loan losses:
                              
Beginning balance
  
$
1,583
    
$
2,186
    
$
1,063
    
$
1,896
    
$
6,728
  
Provision for loan losses
    
96
      
(403
)
    
1,497
      
825
      
2,015
  
Loans charged-off
    
(872
)
    
(579
)
    
(1,512
)
    
(1,612
)
    
(4,575
)
Recoveries
    
616
      
574
      
83
      
712
      
1,985
  
Total ending allowance balance
  
$
1,423
    
$
1,778
    
$
1,131
    
$
1,821
    
$
6,153
  

The following table presents the balance in the allowance for loan losses and the recorded investment of loans by portfolio segment and based on impairment method as of September 30, 2020 and December 31, 2019:

September 30, 2020
  
Residential
Real Estate
    
Commercial
Real Estate
    
Commercial
and Industrial
    
Consumer
    
Total
  
Allowance for loan losses:
                              
Ending allowance balance attributable to loans:
                              
Individually evaluated for impairment
  
$
—
    
$
43
    
$
—
    
$
—
    
$
43
  
Collectively evaluated for impairment
    
1,769
      
2,574
      
1,827
      
1,517
      
7,687
  
Total ending allowance balance
  
$
1,769
    
$
2,617
    
$
1,827
    
$
1,517
    
$
7,730
  
                                         
Loans:
                                        
Loans individually evaluated for impairment
  
$
417
    
$
4,130
    
$
2,536
    
$
485
    
$
7,568
  
Loans collectively evaluated for impairment
    
312,673
      
245,265
      
156,297
      
131,235
      
845,470
  
Total ending loans balance
  
$
313,090
    
$
249,395
    
$
158,833
    
$
131,720
    
$
853,038
  

December 31, 2019
  
Residential
Real Estate
    
Commercial
Real Estate
    
Commercial
and Industrial
    
Consumer
    
Total
  
Allowance for loan losses:
                              
Ending allowance balance attributable to loans:
                              
Individually evaluated for impairment
  
$
—
    
$
385
    
$
303
    
$
119
    
$
807
  
Collectively evaluated for impairment
    
1,250
      
1,543
      
1,144
      
1,528
      
5,465
  
Total ending allowance balance
  
$
1,250
    
$
1,928
    
$
1,447
    
$
1,647
    
$
6,272
  
                                         
Loans:
                                        
Loans individually evaluated for impairment
  
$
438
    
$
11,300
    
$
4,910
    
$
487
    
$
17,135
  
Loans collectively evaluated for impairment
    
309,815
      
210,836
      
95,113
      
139,875
      
755,639
  
          Total ending loans balance
  
$
310,253
    
$
222,136
    
$
100,023
    
$
140,362
    
$
772,774
  

The following tables present information related to loans individually evaluated for impairment by class of loans as of September 30, 2020 and December 31, 2019:

September 30, 2020
  
Unpaid
Principal Balance
    
Recorded
Investment
    
Allowance for Loan
Losses Allocated
  
With an allowance recorded:
                  
   Commercial real estate:
                  
        Nonowner-occupied
  
$
242
    
$
242
    
$
43
  
With no related allowance recorded:
                        
Residential real estate
    
421
      
417
      
—
  
Commercial real estate:
                        
Owner-occupied
    
3,157
      
3,157
      
—
  
Nonowner-occupied
    
731
      
731
      
—
  
Commercial and industrial
    
2,536
      
2,536
      
—
  
Consumer:
                        
Home equity
    
485
      
485
      
—
  
Total
  
$
7,572
    
$
7,568
    
$
43
  

December 31, 2019
  
Unpaid
Principal Balance
    
Recorded
Investment
    
Allowance for Loan
Losses Allocated
  
With an allowance recorded:
                  
Commercial real estate:
                  
Owner-occupied
  
$
2,030
    
$
2,030
    
$
385
  
Commercial and industrial
    
4,861
      
4,861
      
303
  
Consumer:
                        
Automobile
    
8
      
8
      
8
  
Other
    
111
      
111
      
111
  
With no related allowance recorded:
                        
Residential real estate
    
438
      
438
      
—
  
Commercial real estate:
                        
Owner-occupied
    
1,778
      
1,778
      
—
  
Nonowner-occupied
    
7,492
      
7,492
      
—
  
Commercial and industrial
    
49
      
49
      
—
  
Consumer:
                        
Home equity
    
368
      
368
      
—
  
Total
  
$
17,135
    
$
17,135
    
$
807
  

The following tables present information related to loans individually evaluated for impairment by class of loans for the three and  nine months ended September 30, 2020 and 2019:

  
Three months ended September 30, 2020
    
Nine months ended September 30, 2020
  
   
Average
Impaired Loans
    
Interest Income
Recognized
    
Cash Basis
Interest Recognized
    
Average
Impaired Loans
    
Interest Income
Recognized
    
Cash Basis
Interest Recognized
  
 
With an allowance recorded:
                                    
   Commercial real estate:
                                    
        Nonowner-occupied
  
$
242
    
$
—
    
$
—
    
$
242
    
$
—
    
$
—
  
With no related allowance recorded:
                                                
Residential real estate
    
420
      
7
      
7
      
426
      
15
      
15
  
Commercial real estate:
                                                
Owner-occupied
    
3,161
      
23
      
23
      
2,957
      
124
      
124
  
Nonowner-occupied
    
753
      
15
      
15
      
772
      
39
      
39
  
Commercial and industrial
    
2,807
      
20
      
20
      
3,543
      
149
      
149
  
Consumer:
                                                
Home equity
    
444
      
3
      
3
      
415
      
12
      
12
  
Total
  
$
7,827
    
$
68
    
$
68
    
$
8,355
    
$
339
    
$
339
  

 
Three months ended September 30, 2019
    
Nine months ended September 30, 2019
  
   
Average
Impaired Loans
    
Interest Income
Recognized
    
Cash Basis
Interest Recognized
    
Average
Impaired Loans
    
Interest Income
Recognized
    
Cash Basis
Interest Recognized
  
With an allowance recorded:
                                    
With no related allowance recorded:
                                    
Residential real estate
  
$
446
    
$
4
    
$
4
    
$
469
    
$
20
    
$
20
  
Commercial real estate:
                                                
Owner-occupied
    
3,349
      
53
      
53
      
3,144
      
167
      
167
  
Nonowner-occupied
    
7,949
      
142
      
142
      
6,243
      
370
      
370
  
Commercial and industrial
    
6,089
      
110
      
110
      
6,110
      
352
      
352
  
Consumer:
                                                
       Home equity
    
175
      
15
      
15
      
87
      
15
      
15
  
Other
    
6
      
—
      
—
      
5
      
—
      
—
  
Total
  
$
18,014
    
$
324
    
$
324
    
$
16,058
    
$
924
    
$
924
  

The recorded investment of a loan is its carrying value excluding accrued interest and deferred loan fees.

Nonaccrual loans and loans past due 90 days or more and still accruing include both smaller balance homogenous loans that are collectively evaluated for impairment and individually classified as impaired loans.

The Company transfers loans to other real estate owned, at fair value less cost to sell, in the period the Company obtains physical possession of the property (through legal title or through a deed in lieu). As of September 30, 2020, there was $97 in other real estate owned for residential real estate properties, as compared to $68 at December 31, 2019. In addition, nonaccrual residential mortgage loans that are in the process of foreclosure had a recorded investment of $684 and $1,780 as of September 30, 2020 and December 31, 2019, respectively.
The following table presents the recorded investment of nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of September 30, 2020 and December 31, 2019:

September 30, 2020
  
Loans Past Due
90 Days And
Still Accruing
    
Nonaccrual
  
             
Residential real estate
  
$
58
    
$
4,648
  
Commercial real estate:
                
Owner-occupied
    
—
      
208
  
Nonowner-occupied
    
—
      
597
  
Construction
    
—
      
167
  
Commercial and industrial
    
30
      
150
  
Consumer:
                
Automobile
    
56
      
155
  
Home equity
    
—
      
211
  
Other
    
46
      
31
  
Total
  
$
190
    
$
6,167
  

December 31, 2019
  
Loans Past Due
90 Days And
Still Accruing
    
Nonaccrual
  
             
Residential real estate
  
$
255
    
$
6,119
  
Commercial real estate:
                
Owner-occupied
    
—
      
863
  
Nonowner-occupied
    
—
      
804
  
Construction
    
—
      
229
  
Commercial and industrial
    
—
      
590
  
Consumer:
                
Automobile
    
239
      
61
  
Home equity
    
—
      
392
  
Other
    
395
      
91
  
Total
  
$
889
    
$
9,149
  
The following table presents the aging of the recorded investment of past due loans by class of loans as of September 30, 2020 and December 31, 2019:

September 30, 2020
  
30-59
Days
Past Due
    
60-89
Days
Past Due
    
90 Days
Or More
Past Due
    
Total
Past Due
    
Loans Not
Past Due
    
Total
  
                                     
Residential real estate
  
$
2,515
    
$
1,134
    
$
1,337
    
$
4,986
    
$
308,104
    
$
313,090
  
Commercial real estate:
                                                
Owner-occupied
    
2,814
      
923
      
195
      
3,932
      
48,282
      
52,214
  
Nonowner-occupied
    
157
      
—
      
597
      
754
      
161,180
      
161,934
  
Construction
    
161
      
—
      
—
      
161
      
35,086
      
35,247
  
Commercial and industrial
    
104
      
21
      
180
      
305
      
158,528
      
158,833
  
Consumer:
                                                
Automobile
    
705
      
133
      
183
      
1,021
      
55,349
      
56,370
  
Home equity
    
145
      
84
      
112
      
341
      
19,190
      
19,531
  
Other
    
365
      
226
      
76
      
667
      
55,152
      
55,819
  
Total
  
$
6,966
    
$
2,521
    
$
2,680
    
$
12,167
    
$
840,871
    
$
853,038
  

December 31, 2019
  
30-59
Days
Past Due
    
60-89
Days
Past Due
    
90 Days
Or More
Past Due
    
Total
Past Due
    
Loans Not
Past Due
    
Total
  
                                     
Residential real estate
  
$
4,015
    
$
1,314
    
$
1,782
    
$
7,111
    
$
303,142
    
$
310,253
  
Commercial real estate:
                                                
   Owner-occupied
    
383
      
59
      
144
      
586
      
55,239
      
55,825
  
   Nonowner-occupied
    
12
      
—
      
697
      
709
      
130,689
      
131,398
  
   Construction
    
186
      
19
      
49
      
254
      
34,659
      
34,913
  
Commercial and industrial
    
1,320
      
312
      
241
      
1,873
      
98,150
      
100,023
  
Consumer:
                                                
   Automobile
    
986
      
329
      
246
      
1,561
      
62,209
      
63,770
  
   Home equity
    
106
      
18
      
279
      
403
      
22,479
      
22,882
  
   Other
    
559
      
139
      
443
      
1,141
      
52,569
      
53,710
  
Total
  
$
7,567
    
$
2,190
    
$
3,881
    
$
13,638
    
$
759,136
    
$
772,774
  

Troubled Debt Restructurings:

A troubled debt restructuring (“TDR”) occurs when the Company has agreed to a loan modification in the form of a concession for a borrower who is experiencing financial difficulty. All TDRs are considered to be impaired. The modification of the terms of such loans included one or a combination of the following: a reduction of the stated interest rate of the loan; an extension of the maturity date at a stated rate of interest lower than the current market rate for new debt with similar risk; a reduction in the contractual principal and interest payments of the loan; or short-term interest-only payment terms.

The Company has allocated reserves for a portion of its TDRs to reflect the fair values of the underlying collateral or the present value of the concessionary terms granted to the customer.
The following table presents the types of TDR loan modifications by class of loans as of September 30, 2020 and December 31, 2019:

September 30, 2020
  
TDRs
Performing to Modified Terms
    
TDRs Not
Performing to Modified Terms
    
Total
TDRs
  
Residential real estate:
                  
Interest only payments
  
$
203
    
$
—
    
$
203
  
Commercial real estate:
                        
Owner-occupied
                        
Interest only payments
    
—
      
—
      
—
  
Reduction of principal and interest payments
    
1,494
      
—
      
1,494
  
Maturity extension at lower stated rate than market rate
    
354
      
—
      
354
  
Credit extension at lower stated rate than market rate
    
386
      
—
      
386
  
Nonowner-occupied
                        
Credit extension at lower stated rate than market rate
    
391
      
—
      
391
  
Commercial and industrial:
                        
Interest only payments
    
2,536
      
—
      
2,536
  
                         
Total TDRs
  
$
5,364
    
$
—
    
$
5,364
  

December 31, 2019
  
TDRs
Performing to Modified Terms
    
TDRs Not
Performing to Modified Terms
    
Total
TDRs
  
Residential real estate:
                  
Interest only payments
  
$
209
    
$
—
    
$
209
  
Commercial real estate:
                        
Owner-occupied
                        
Interest only payments
    
882
      
—
      
882
  
Reduction of principal and interest payments
    
1,521
      
—
      
1,521
  
Maturity extension at lower stated rate than market rate
    
393
      
—
      
393
  
Credit extension at lower stated rate than market rate
    
393
      
—
      
393
  
Nonowner-occupied
                        
Credit extension at lower stated rate than market rate
    
395
      
—
      
395
  
Commercial and industrial:
                        
Interest only payments
    
4,574
      
—
      
4,574
  
Reduction of principal and interest payments
    
185
      
—
      
185
  
                         
Total TDRs
  
$
8,552
    
$
—
    
$
8,552
  

At September 30, 2020, the balance in TDR loans decreased $3,188, or 37.3%, from year-end 2019. The Company had no specific allocations in reserves to customers whose loan terms have been modified in TDRs at September 30, 2020, as compared to $227 in reserves at December 31, 2019. At September 30, 2020, the Company had $2,964 in commitments to lend additional amounts to customers with outstanding loans that are classified as TDRs, as compared to $941 at December 31, 2019.
There were no TDR loan modifications that occurred during the three and nine months ended September 30, 2020. Furthermore, there were no TDR loan modifications that occurred during the three months ended September 30, 2019. The following table presents the pre- and post-modification balances of TDR loan modifications by class of loans that occurred during the  nine months ended September 30, 2019:

        
TDRs
Performing to Modified Terms
    
TDRs Not
Performing to Modified Terms
  
Nine months ended September 30, 2019
  
Number
of Loans
    
Pre-Modification Recorded
Investment
    
Post-Modification Recorded
Investment
    
Pre-Modification Recorded
Investment
    
Post-Modification Recorded
Investment
  
Residential real estate:
                              
Interest only payments
    
1
    
$
292
    
$
292
    
$
—
    
$
—
  
Commercial and Industrial:
                                        
Interest only payments
    
1
      
282
      
282
                  
Total TDRs
    
2
    
$
574
    
$
574
    
$
—
    
$
—
  

The TDRs described above had no impact on the allowance for loan losses and resulted in no charge-offs during the nine months ended September 30, 2019.

During the third quarter of 2019, the Company had one TDR loan totaling $133 that experienced a payment default within twelve months following its loan modification. This commercial and industrial loan was first modified as a TDR in April 2019 and was converted to nonaccrual status in August 2019. The Company had no additional TDRs that, during the three and nine months ended September 30, 2020 and 2019, experienced any payment defaults within twelve months following their loan modification. A default is considered to have occurred once the TDR is past due 90 days or more or it has been placed on nonaccrual.  TDR loans are returned to accrual status when all the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

The Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”) was signed into law on March 27, 2020 and provided guidance on the modification of loans as a result of COVID-19, which outlined, among other criteria, that short-term modifications made on a good faith basis to borrowers who were current as defined under the CARES Act prior to any relief, are not TDRs. This includes short-term modifications such as payment deferrals, fee waivers, extensions of repayment terms, or other delays in payment that are insignificant. Borrowers are considered current under the CARES Act and related regulatory guidance if they are less than 30 days past due on their contractual payments at the time a modification program is implemented.  As of September 30, 2020, the Company had modified 745 loans related to COVID-19 with an aggregate loan balance of $151,595.  As of September 30, 2020, the Company had 231 modified loans remaining that were related to COVID-19 with an aggregate loan balance of $38,926 that were not reported as TDRs in the tables presented above.
Credit Quality Indicators:

The Company categorizes loans into risk categories based on relevant information about the ability of borrowers to service their debt, such as: current financial information, historical payment experience, credit documentation, public information, and current economic trends, among other factors. These risk categories are represented by a loan grading scale from 1 through 11. The Company analyzes loans individually with a higher credit risk rating and groups these loans into categories called “criticized” and ”classified” assets. The Company considers its criticized assets to be loans that are graded 8 and its classified assets to be loans that are graded 9 through 11. The Company’s risk categories are reviewed at least annually on loans that have aggregate borrowing amounts that meet or exceed $750.

The Company uses the following definitions for its criticized loan risk ratings:

Special Mention.  Loans classified as special mention indicate considerable risk due to deterioration of repayment (in the earliest stages) due to potential weak primary repayment source, or payment delinquency.  These loans will be under constant supervision, are not classified and do not expose the institution to sufficient risks to warrant classification.  These deficiencies should be correctable within the normal course of business, although significant changes in company structure or policy may be necessary to correct the deficiencies.  These loans are considered bankable assets with no apparent loss of principal or interest envisioned.  The perceived risk in continued lending is considered to have increased beyond the level where such loans would normally be granted.  Credits that are defined as a TDR should be graded no higher than special mention until they have been reported as performing over one year after restructuring.

The Company uses the following definitions for its classified loan risk ratings:

Substandard.  Loans classified as substandard represent very high risk, serious delinquency, nonaccrual, or unacceptable credit. Repayment through the primary source of repayment is in jeopardy due to the existence of one or more well defined weaknesses and the collateral pledged may inadequately protect collection of the loans. Loss of principal is not likely if weaknesses are corrected, although financial statements normally reveal significant weakness. Loans are still considered collectible, although loss of principal is more likely than with special mention loans. Collateral liquidation is considered likely to satisfy debt.

Doubtful.  Loans classified as doubtful display a high probability of loss, although the amount of actual loss at the time of classification is undetermined. This classification should be temporary until such time that actual loss can be identified, or improvements made to reduce the seriousness of the classification. These loans exhibit all substandard characteristics with the addition that weaknesses make collection or liquidation in full highly questionable and improbable. This classification consists of loans where the possibility of loss is high after collateral liquidation based upon existing facts, market conditions, and value. Loss is deferred until certain important and reasonable specific pending factors which may strengthen the credit can be more accurately determined. These factors may include proposed acquisitions, liquidation procedures, capital injection, receipt of additional collateral, mergers, or refinancing plans. A doubtful classification for an entire credit should be avoided when collection of a specific portion appears highly probable with the adequately secured portion graded substandard.

Loss.  Loans classified as loss are considered uncollectible and are of such little value that their continuance as bankable assets is not warranted.  This classification does not mean that the credit has absolutely no recovery or salvage value, but rather it is not practical or desirable to defer writing off this asset yielding such a minimum value even though partial recovery may be affected in the future.  Amounts classified as loss should be promptly charged off.
Criticized and classified loans will mostly consist of commercial and industrial and commercial real estate loans. The Company considers its loans that do not meet the criteria for a criticized and classified asset rating as pass rated loans, which will include loans graded from 1 (Prime) to 7 (Watch). All commercial loans are categorized into a risk category either at the time of origination or reevaluation date. As of September 30, 2020 and December 31, 2019, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows:

September 30, 2020
 
  
Pass
    
Criticized
    
Classified
    
Total
  
Commercial real estate:
                        
Owner-occupied
  
$
46,934
    
$
682
    
$
4,598
    
$
52,214
  
Nonowner-occupied
    
154,757
      
6,031
      
1,146
      
161,934
  
Construction
    
35,247
      
—
      
—
      
35,247
  
Commercial and industrial
    
154,048
      
1,773
      
3,012
      
158,833
  
Total
  
$
390,986
    
$
8,486
    
$
8,756
    
$
408,228
  

December 31, 2019
 
  
Pass
    
Criticized
    
Classified
    
Total
  
Commercial real estate:
                        
Owner-occupied
  
$
49,486
    
$
2,889
    
$
3,450
    
$
55,825
  
Nonowner-occupied
    
123,847
      
—
      
7,551
      
131,398
  
Construction
    
34,864
      
—
      
49
      
34,913
  
Commercial and industrial
    
89,749
      
298
      
9,976
      
100,023
  
Total
  
$
297,946
    
$
3,187
    
$
21,026
    
$
322,159
  

The Company also obtains the credit scores of its borrowers upon origination (if available by the credit bureau), but the scores are not updated. The Company focuses mostly on the performance and repayment ability of the borrower as an indicator of credit risk and does not consider a borrower's credit score to be a significant influence in the determination of a loan's credit risk grading.

For residential and consumer loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment of residential and consumer loans by class of loans based on repayment activity as of September 30, 2020 and December 31, 2019:

September 30, 2020
  
Consumer
    
Residential
        
   
Automobile
    
Home Equity
    
Other
    
Real Estate
    
Total
  
                               
Performing
  
$
56,159
    
$
19,320
    
$
55,742
    
$
308,384
    
$
439,605
  
Nonperforming
    
211
      
211
      
77
      
4,706
      
5,205
  
Total
  
$
56,370
    
$
19,531
    
$
55,819
    
$
313,090
    
$
444,810
  

December 31, 2019
  
Consumer
    
Residential
        
   
Automobile
    
Home Equity
    
Other
    
Real Estate
    
Total
  
                               
Performing
  
$
63,470
    
$
22,490
    
$
53,224
    
$
303,879
    
$
443,063
  
Nonperforming
    
300
      
392
      
486
      
6,374
      
7,552
  
Total
  
$
63,770
    
$
22,882
    
$
53,710
    
$
310,253
    
$
450,615
  

The Company originates residential, consumer, and commercial loans to customers located primarily in the southeastern areas of Ohio as well as the western counties of West Virginia.  Approximately 4.33% of total loans were unsecured at September 30, 2020, down from 5.00% at December 31, 2019.