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LOANS AND LEASES (Tables) | 6 Months Ended
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Jun. 30, 2020
Receivables [Abstract] |
Commercial and Consumer Credit Exposure by Risk Attribute | The following table sets forth the Company's loan portfolio at June 30, 2020 by risk attribute and origination date:
(Dollars in thousands) |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Term Total |  | Revolving |  | Total
Commercial & industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,150,804 |  |  | $ | 529,061 |  |  | $ | 439,614 |  |  | $ | 272,402 |  |  | $ | 165,821 |  |  | $ | 171,232 |  |  | $ | 2,728,934 |  |  | $ | 466,791 |  |  | $ | 3,195,725 |
Special mention |  | 7,317 |  |  | 6,963 |  |  | 10,714 |  |  | 14,726 |  |  | 4,728 |  |  | 5,513 |  |  | 49,961 |  |  | 19,083 |  |  | 69,044 |
Substandard |  | 3,587 |  |  | 1,574 |  |  | 10,668 |  |  | 25,110 |  |  | 7,638 |  |  | 1,970 |  |  | 50,547 |  |  | 7,058 |  |  | 57,605 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 1,161,708 |  |  | $ | 537,598 |  |  | $ | 460,996 |  |  | $ | 312,238 |  |  | $ | 178,187 |  |  | $ | 178,715 |  |  | $ | 2,829,442 |  |  | $ | 492,932 |  |  | $ | 3,322,374 |
Lease financing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 7,803 |  |  | $ | 31,227 |  |  | $ | 14,775 |  |  | $ | 10,114 |  |  | $ | 7,097 |  |  | $ | 6,079 |  |  | $ | 77,095 |  |  | $ | 0 |  |  | $ | 77,095 |
Special mention |  | 345 |  | 0 |  | 0 |  | 11 |  | 0 |  | 0 |  | 356 |  | 0 |  | 356 |
(Dollars in thousands) |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Term Total |  | Revolving |  | Total
Substandard |  | 13 |  | 0 |  | 1,422 |  | 848 |  | 353 |  | 0 |  | 2,636 |  | 0 |  | 2,636 |
Doubtful |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |
Total |  | $ | 8,161 |  |  | $ | 31,227 |  |  | $ | 16,197 |  |  | $ | 10,973 |  |  | $ | 7,450 |  |  | $ | 6,079 |  |  | $ | 80,087 |  |  | $ | 0 |  |  | $ | 80,087 |
Construction real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 24,877 |  |  | $ | 165,278 |  |  | $ | 227,147 |  |  | $ | 44,944 |  |  | $ | 24,074 |  |  | $ | 1,524 |  |  | $ | 487,844 |  |  | $ | 17,616 |  |  | $ | 505,460 |
Special mention |  | 0 |  |  | 625 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 625 |  |  | 0 |  |  | 625 |
Substandard |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 24,877 |  |  | $ | 165,903 |  |  | $ | 227,147 |  |  | $ | 44,944 |  |  | $ | 24,074 |  |  | $ | 1,524 |  |  | $ | 488,469 |  |  | $ | 17,616 |  |  | $ | 506,085 |
Commercial real estate - investor |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 256,719 |  |  | $ | 1,084,317 |  |  | $ | 455,838 |  |  | $ | 493,692 |  |  | $ | 367,148 |  |  | $ | 462,449 |  |  | $ | 3,120,163 |  |  | $ | 37,023 |  |  | $ | 3,157,186 |
Special mention |  | 959 |  |  | 57 |  |  | 0 |  |  | 18,637 |  |  | 17,948 |  |  | 23,819 |  |  | 61,420 |  |  | 0 |  |  | 61,420 |
Substandard |  | 6,250 |  |  | 4,334 |  |  | 18,074 |  |  | 722 |  |  | 95 |  |  | 2,538 |  |  | 32,013 |  |  | 0 |  |  | 32,013 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 263,928 |  |  | $ | 1,088,708 |  |  | $ | 473,912 |  |  | $ | 513,051 |  |  | $ | 385,191 |  |  | $ | 488,806 |  |  | $ | 3,213,596 |  |  | $ | 37,023 |  |  | $ | 3,250,619 |
Commercial real estate - owner |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 94,724 |  |  | $ | 176,419 |  |  | $ | 175,531 |  |  | $ | 151,011 |  |  | $ | 154,311 |  |  | $ | 256,525 |  |  | $ | 1,008,521 |  |  | $ | 39,180 |  |  | $ | 1,047,701 |
Special mention |  | 464 |  |  | 1,890 |  |  | 3,158 |  |  | 4,667 |  |  | 3,937 |  |  | 16,833 |  |  | 30,949 |  |  | 265 |  |  | 31,214 |
Substandard |  | 513 |  |  | 1,580 |  |  | 3,290 |  |  | 4,530 |  |  | 1,499 |  |  | 2,756 |  |  | 14,168 |  |  | 0 |  |  | 14,168 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 95,701 |  |  | $ | 179,889 |  |  | $ | 181,979 |  |  | $ | 160,208 |  |  | $ | 159,747 |  |  | $ | 276,114 |  |  | $ | 1,053,638 |  |  | $ | 39,445 |  |  | $ | 1,093,083 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 140,736 |  |  | $ | 292,781 |  |  | $ | 147,602 |  |  | $ | 85,084 |  |  | $ | 75,577 |  |  | $ | 295,235 |  |  | $ | 1,037,015 |  |  | $ | 0 |  |  | $ | 1,037,015 |
Nonperforming |  | 100 |  |  | 309 |  |  | 65 |  |  | 853 |  |  | 467 |  |  | 4,936 |  |  | 6,730 |  |  | 0 |  |  | 6,730 |
Total |  | $ | 140,836 |  |  | $ | 293,090 |  |  | $ | 147,667 |  |  | $ | 85,937 |  |  | $ | 76,044 |  |  | $ | 300,171 |  |  | $ | 1,043,745 |  |  | $ | 0 |  |  | $ | 1,043,745 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 30,522 |  |  | $ | 24,380 |  |  | $ | 21,470 |  |  | $ | 13,577 |  |  | $ | 12,289 |  |  | $ | 52,983 |  |  | $ | 155,221 |  |  | $ | 604,913 |  |  | $ | 760,134 |
Nonperforming |  | 0 |  |  | 0 |  |  | 58 |  |  | 39 |  |  | 0 |  |  | 259 |  |  | 356 |  |  | 3,681 |  |  | 4,037 |
Total |  | $ | 30,522 |  |  | $ | 24,380 |  |  | $ | 21,528 |  |  | $ | 13,616 |  |  | $ | 12,289 |  |  | $ | 53,242 |  |  | $ | 155,577 |  |  | $ | 608,594 |  |  | $ | 764,171 |
Installment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 13,836 |  |  | $ | 20,313 |  |  | $ | 14,889 |  |  | $ | 11,993 |  |  | $ | 3,333 |  |  | $ | 4,492 |  |  | $ | 68,856 |  |  | $ | 10,137 |  |  | $ | 78,993 |
Nonperforming |  | 10 |  |  | 50 |  |  | 18 |  |  | 26 |  |  | 12 |  |  | 41 |  |  | 157 |  |  | 0 |  |  | 157 |
Total |  | $ | 13,846 |  |  | $ | 20,363 |  |  | $ | 14,907 |  |  | $ | 12,019 |  |  | $ | 3,345 |  |  | $ | 4,533 |  |  | $ | 69,013 |  |  | $ | 10,137 |  |  | $ | 79,150 |
Credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 42,002 |  |  | $ | 42,002 |
Nonperforming |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 395 |  |  | 395 |
Total |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 42,397 |  |  | $ | 42,397 |
Grand Total |  | $ | 1,739,579 |  |  | $ | 2,341,158 |  |  | $ | 1,544,333 |  |  | $ | 1,152,986 |  |  | $ | 846,327 |  |  | $ | 1,309,184 |  |  | $ | 8,933,567 |  |  | $ | 1,248,144 |  |  | $ | 10,181,711 |
Commercial and consumer credit exposure by risk attribute as of December 31, 2019 was as follows:
|  | As of December 31, 2019 |  |  |  |  |  |  |  |
|  | Commercial |  | Real Estate |  |  |  | Lease |  |
(Dollars in thousands) |  | & industrial |  | Construction |  | Commercial |  | financing |  | Total
Pass |  | $ | 2,324,021 |  |  | $ | 493,182 |  |  | $ | 4,108,752 |  |  | $ | 85,262 |  |  | $ | 7,011,217 |
Special Mention |  | 100,954 |  |  | 0 |  |  | 59,383 |  |  | 488 |  |  | 160,825 |
Substandard |  | 40,902 |  |  | 0 |  |  | 26,516 |  |  | 2,614 |  |  | 70,032 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 2,465,877 |  |  | $ | 493,182 |  |  | $ | 4,194,651 |  |  | $ | 88,364 |  |  | $ | 7,242,074 |
(Dollars in thousands) |  | Residential real estate |  | Home equity |  | Installment |  | Credit card |  | Total
Performing |  | $ | 1,040,787 |  |  | $ | 766,169 |  |  | $ | 82,385 |  |  | $ | 48,983 |  |  | $ | 1,938,324 |
Nonperforming |  | 15,162 |  |  | 5,700 |  |  | 204 |  |  | 201 |  |  | 21,267 |
Total |  | $ | 1,055,949 |  |  | $ | 771,869 |  |  | $ | 82,589 |  |  | $ | 49,184 |  |  | $ | 1,959,591 |
Loan Delinquency, including Nonaccrual Loans | Loan delinquency, including loans classified as nonaccrual, was as follows:
|  | As of June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | 30 – 59 days past due |  | 60 – 89 days past due |  | > 90 days past due |  | Total past due |  | Current |  | Total |  | > 90 days past due and still accruing
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 474 |  |  | $ | 194 |  |  | $ | 13,573 |  |  | $ | 14,241 |  |  | $ | 3,308,133 |  |  | $ | 3,322,374 |  |  | $ | 0 |
Lease financing |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 80,087 |  |  | 80,087 |  |  | 0 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 506,085 |  |  | 506,085 |  |  | 0 |
Commercial real estate-investor |  | 119 |  |  | 13,790 |  |  | 5,660 |  |  | 19,569 |  |  | 3,231,050 |  |  | 3,250,619 |  |  | 0 |
Commercial real estate-owner |  | 1,663 |  |  | 110 |  |  | 1,853 |  |  | 3,626 |  |  | 1,089,457 |  |  | 1,093,083 |  |  | 0 |
Residential real estate |  | 1,790 |  |  | 1,421 |  |  | 3,520 |  |  | 6,731 |  |  | 1,037,014 |  |  | 1,043,745 |  |  | 0 |
Home equity |  | 596 |  |  | 969 |  |  | 2,471 |  |  | 4,036 |  |  | 760,135 |  |  | 764,171 |  |  | 0 |
Installment |  | 46 |  |  | 40 |  |  | 69 |  |  | 155 |  |  | 78,995 |  |  | 79,150 |  |  | 0 |
Credit card |  | 191 |  |  | 79 |  |  | 125 |  |  | 395 |  |  | 42,002 |  |  | 42,397 |  |  | 124 |
Total |  | $ | 4,879 |  |  | $ | 16,603 |  |  | $ | 27,271 |  |  | $ | 48,753 |  |  | $ | 10,132,958 |  |  | $ | 10,181,711 |  |  | $ | 124 |
|  | As of December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | 30 – 59 days past due |  | 60 – 89 days past due |  | > 90 days past due |  | Total past due |  | Current |  | Subtotal |  | Purchased impaired |  | Total |  | > 90 days past due and still accruing
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 1,266 |  |  | $ | 3,332 |  |  | $ | 14,518 |  |  | $ | 19,116 |  |  | $ | 2,443,680 |  |  | $ | 2,462,796 |  |  | $ | 3,081 |  |  | $ | 2,465,877 |  |  | $ | 0 |
Lease financing |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 88,364 |  |  | 88,364 |  |  | 0 |  |  | 88,364 |  |  | 0 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 493,167 |  |  | 493,167 |  |  | 15 |  |  | 493,182 |  |  | 0 |
Commercial real estate |  | 776 |  |  | 857 |  |  | 5,613 |  |  | 7,246 |  |  | 4,151,513 |  |  | 4,158,759 |  |  | 35,892 |  |  | 4,194,651 |  |  | 0 |
Residential real estate |  | 8,032 |  |  | 1,928 |  |  | 5,031 |  |  | 14,991 |  |  | 1,014,138 |  |  | 1,029,129 |  |  | 26,820 |  |  | 1,055,949 |  |  | 0 |
Home equity |  | 2,530 |  |  | 1,083 |  |  | 2,795 |  |  | 6,408 |  |  | 762,863 |  |  | 769,271 |  |  | 2,598 |  |  | 771,869 |  |  | 0 |
Installment |  | 111 |  |  | 50 |  |  | 148 |  |  | 309 |  |  | 82,022 |  |  | 82,331 |  |  | 258 |  |  | 82,589 |  |  | 0 |
Credit card |  | 208 |  |  | 75 |  |  | 201 |  |  | 484 |  |  | 48,700 |  |  | 49,184 |  |  | 0 |  |  | 49,184 |  |  | 201 |
Total |  | $ | 12,923 |  |  | $ | 7,325 |  |  | $ | 28,306 |  |  | $ | 48,554 |  |  | $ | 9,084,447 |  |  | $ | 9,133,001 |  |  | $ | 68,664 |  |  | $ | 9,201,665 |  |  | $ | 201 |
Loans Restructured During Period | The following tables provide information on loan modifications classified as TDRs during the three and six months ended June 30, 2020 and 2019:
|  | Three months ended |  |  |  |  |  |  |  |  |  |
|  | June 30, 2020 |  |  |  |  |  | June 30, 2019 |  |  |  |
(Dollars in thousands) |  | Number of loans |  | Pre-modification loan balance |  | Period end balance |  | Number of loans |  | Pre-modification loan balance |  | Period end balance
Commercial & industrial |  | 5 |  |  | $ | 2,121 |  |  | $ | 2,121 |  |  | 1 |  |  | $ | 14,889 |  |  | $ | 14,889 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 1 |  |  | 42 |  |  | 42 |
Residential real estate |  | 4 |  |  | 439 |  |  | 416 |  |  | 12 |  |  | 2,008 |  |  | 1,713 |
Home equity |  | 2 |  |  | 40 |  |  | 40 |  |  | 11 |  |  | 306 |  |  | 277 |
Installment |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | 11 |  |  | $ | 2,600 |  |  | $ | 2,577 |  |  | 25 |  |  | $ | 17,245 |  |  | $ | 16,921 |
|  | Six months ended |  |  |  |  |  |  |  |  |  |
|  | June 30, 2020 |  |  |  |  |  | June 30, 2019 |  |  |  |
(Dollars in thousands) |  | Number of loans |  | Pre-modification loan balance |  | Period end balance |  | Number of loans |  | Pre-modification loan balance |  | Period end balance
Commercial & industrial |  | 7 |  |  | $ | 13,504 |  |  | $ | 13,504 |  |  | 6 |  |  | $ | 22,527 |  |  | $ | 22,550 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 7 |  |  | 1,365 |  |  | 1,274 |
Residential real estate |  | 18 |  |  | 1,568 |  |  | 1,489 |  |  | 17 |  |  | 2,466 |  |  | 2,171 |
Home equity |  | 6 |  |  | 226 |  |  | 226 |  |  | 12 |  |  | 323 |  |  | 294 |
Installment |  | 1 |  |  | 26 |  |  | 15 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | 32 |  |  | $ | 15,324 |  |  | $ | 15,234 |  |  | 42 |  |  | $ | 26,681 |  |  | $ | 26,289 |
Loans Restructured, Modifications | The following table provides information on how TDRs were modified during the six months ended June 30, 2020 and 2019:
|  | Three months ended |  |  |  | Six months ended |  |
|  | June 30, |  |  |  | June 30, |  |
(Dollars in thousands) |  | 2020 |  | 2019 |  | 2020 |  | 2019
Extended maturities |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 2,877 |
Adjusted interest rates |  | 0 |  | 0 |  | 0 |  |  | 5,284 |
Combination of rate and maturity changes |  | 0 |  | 0 |  | 0 |  |  | 508 |
Forbearance |  | 2,175 |  | 15,078 |  | 3,183 |  |  | 15,635 |
Other (1) |  | 402 |  | 1,843 |  | 12,051 |  |  | 1,985 |
Total |  | $ | 2,577 |  |  | $ | 16,921 |  |  | $ | 15,234 |  |  | $ | 26,289 |
(1) Includes covenant modifications and other concessions, or combination of concessions, that do not consist of interest rate adjustments, forbearance and maturity extensions
Nonaccrual, Restructured and Impaired Loans | The following table provides information on nonperforming loans:
|  | June 30, 2020 |  |  |  |  |  | December 31, 2019
(Dollars in thousands) |  | Nonaccrual loans with a related ACL |  | Nonaccrual loans with no related ACL |  | Total nonaccrual |  | Total nonaccrual
Nonaccrual loans (1) |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 21,466 |  |  | $ | 12,440 |  |  | $ | 33,906 |  |  | $ | 24,346 |
Lease financing |  | 0 |  |  | 1,353 |  |  | 1,353 |  |  | 223 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate |  | 8,473 |  |  | 5,529 |  |  | 14,002 |  |  | 7,295 |
Residential real estate |  | 256 |  |  | 12,557 |  |  | 12,813 |  |  | 10,892 |
Home equity |  | 0 |  |  | 5,604 |  |  | 5,604 |  |  | 5,242 |
Installment |  | 0 |  |  | 201 |  |  | 201 |  |  | 167 |
Total nonaccrual loans |  | $ | 30,195 |  |  | $ | 37,684 |  |  | $ | 67,879 |  |  | $ | 48,165 |
(1) Nonaccrual loans include nonaccrual TDRs of $32.7 million and $18.5 million as of June 30, 2020 and December 31, 2019, respectively.
|  | Three months ended |  |  |  | Six months ended |  |
|  | June 30, |  |  |  | June 30, |  |
(Dollars in thousands) |  | 2020 |  | 2019 |  | 2020 |  | 2019
Interest income effect on nonperforming loans |  |  |  |  |  |  |  |
Gross amount of interest that would have been recorded under original terms |  | $ | 1,327 |  |  | $ | 1,467 |  |  | $ | 2,633 |  |  | $ | 3,080 |
Interest included in income |  |  |  |  |  |  |  |
Nonaccrual loans |  | 370 |  |  | 192 |  |  | 537 |  |  | 527 |
Troubled debt restructurings |  | 68 |  |  | 269 |  |  | 303 |  |  | 505 |
Total interest included in income |  | 438 |  |  | 461 |  |  | 840 |  |  | 1,032 |
Net impact on interest income |  | $ | 889 |  |  | $ | 1,006 |  |  | $ | 1,793 |  |  | $ | 2,048 |
Investment in Impaired Loans | First Financial's investment in impaired loans as of December 31, 2019 was as follows:
|  | As of December 31, 2019 |  |  |  |
(Dollars in thousands) |  | Current balance |  | Contractual principal balance |  | Related allowance
Loans with no related allowance recorded |  |  |  |  |  |
Commercial & industrial |  | $ | 16,726 |  |  | $ | 19,709 |  |  | $ | 0 |
Lease financing |  | 223 |  |  | 223 |  |  | 0 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate |  | 10,160 |  |  | 17,897 |  |  | 0 |
Residential real estate |  | 14,868 |  |  | 17,368 |  |  | 0 |
Home equity |  | 5,700 |  |  | 6,462 |  |  | 0 |
Installment |  | 204 |  |  | 341 |  |  | 0 |
Total |  | 47,881 |  |  | 62,000 |  |  | 0 |
Loans with an allowance recorded |  |  |  |  |  |
Commercial & industrial |  | 10,754 |  |  | 21,513 |  |  | 2,044 |
Lease financing |  | 0 |  |  | 0 |  |  | 0 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate |  | 671 |  |  | 675 |  |  | 113 |
Residential real estate |  | 294 |  |  | 294 |  |  | 18 |
Home equity |  | 0 |  |  | 0 |  |  | 0 |
Installment |  | 0 |  |  | 0 |  |  | 0 |
Total |  | 11,719 |  |  | 22,482 |  |  | 2,175 |
Total |  |  |  |  |  |
Commercial & industrial |  | 27,480 |  |  | 41,222 |  |  | 2,044 |
Lease financing |  | 223 |  |  | 223 |  |  | 0 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate |  | 10,831 |  |  | 18,572 |  |  | 113 |
Residential real estate |  | 15,162 |  |  | 17,662 |  |  | 18 |
Home equity |  | 5,700 |  |  | 6,462 |  |  | 0 |
Installment |  | 204 |  |  | 341 |  |  | 0 |
Total |  | $ | 59,600 |  |  | $ | 84,482 |  |  | $ | 2,175 |
First Financial's average impaired loans and interest income recognized by class for the three and six months ended June 30, 2019 were as follows:
|  | Three months ended |  |  |  | Six months ended |  |
|  | June 30, 2019 |  |  |  | June 30, 2019 |  |
(Dollars in thousands) |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
Loans with no related allowance recorded |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 34,553 |  |  | $ | 212 |  |  | $ | 35,267 |  |  | $ | 491 |
Lease financing |  | 298 |  |  | 0 |  |  | 206 |  |  | 0 |
Construction real estate |  | 7 |  |  | 0 |  |  | 8 |  |  | 0 |
Commercial real estate |  | 20,731 |  |  | 98 |  |  | 21,658 |  |  | 201 |
Residential real estate |  | 15,787 |  |  | 69 |  |  | 16,290 |  |  | 155 |
Home equity |  | 5,735 |  |  | 28 |  |  | 5,940 |  |  | 66 |
Installment |  | 185 |  |  | 1 |  |  | 181 |  |  | 2 |
Total |  | 77,296 |  |  | 408 |  |  | 79,550 |  |  | 915 |
Loans with an allowance recorded |  |  |  |  |  |  |  |
Commercial & industrial |  | 5,851 |  |  | 43 |  |  | 4,214 |  |  | 86 |
Lease financing |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate |  | 1,707 |  |  | 4 |  |  | 1,641 |  |  | 23 |
Residential real estate |  | 670 |  |  | 6 |  |  | 547 |  |  | 8 |
Home equity |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Installment |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | 8,228 |  |  | 53 |  |  | 6,402 |  |  | 117 |
Total |  |  |  |  |  |  |  |
Commercial & industrial |  | 40,404 |  |  | 255 |  |  | 39,481 |  |  | 577 |
Lease financing |  | 298 |  |  | 0 |  |  | 206 |  |  | 0 |
Construction real estate |  | 7 |  |  | 0 |  |  | 8 |  |  | 0 |
Commercial real estate |  | 22,438 |  |  | 102 |  |  | 23,299 |  |  | 224 |
Residential real estate |  | 16,457 |  |  | 75 |  |  | 16,837 |  |  | 163 |
Home equity |  | 5,735 |  |  | 28 |  |  | 5,940 |  |  | 66 |
Installment |  | 185 |  |  | 1 |  |  | 181 |  |  | 2 |
Total |  | $ | 85,524 |  |  | $ | 461 |  |  | $ | 85,952 |  |  | $ | 1,032 |
Schedule of Collateral Dependent Loans [Table Text Block] |
|  | June 30, 2020 |  |  |  |  |  |  |  |
|  | Type of Collateral |  |  |  |  |  |  |  |
(Dollar in thousands) |  | Business assets |  | Commercial real estate |  | Equipment |  | Residential real estate |  | Total
Class of loan |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 10,711 |  |  | $ | 0 |  |  | $ | 12,875 |  |  | $ | 0 |  |  | $ | 23,586 |
Commercial real estate-investor |  | 0 |  | 4,267 |  |  | 4,206 |  |  | 0 |  |  | 8,473 |
Commercial real estate-owner |  | 0 |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Residential real estate |  | 0 |  | 0 |  |  | 0 |  |  | 1,252 |  |  | 1,252 |
Total |  | $ | 10,711 |  |  | $ | 4,267 |  |  | $ | 17,081 |  |  | $ | 1,252 |  |  | $ | 33,311 |
Changes in Other Real Estate Owned | Changes in OREO were as follows:
|  | Three months ended |  |  |  | Six months ended |  |
|  | June 30, |  |  |  | June 30, |  |
(Dollars in thousands) |  | 2020 |  | 2019 |  | 2020 |  | 2019
Balance at beginning of period |  | $ | 1,467 |  |  | $ | 1,665 |  |  | $ | 2,033 |  |  | $ | 1,401 |
Additions |  |  |  |  |  |  |  |
Commercial & industrial |  | 76 |  |  | 136 |  |  | 323 |  |  | 136 |
Residential real estate |  | 0 |  |  | 768 |  |  | 146 |  |  | 1,272 |
Total additions |  | 76 |  |  | 904 |  |  | 469 |  |  | 1,408 |
Disposals |  |  |  |  |  |  |  |
Commercial & industrial |  | (38) |  |  | (248) |  |  | (217) |  |  | (270) |
Residential real estate |  | (39) |  |  | (223) |  |  | (760) |  |  | (384) |
Total disposals |  | (77) |  |  | (471) |  |  | (977) |  |  | (654) |
Valuation adjustment |  |  |  |  |  |  |  |
Commercial & industrial |  | 470 |  |  | (55) |  |  | 470 |  |  | (55) |
Residential real estate |  | (64) |  |  | (622) |  |  | (123) |  |  | (679) |
Total valuation adjustment |  | 406 |  |  | (677) |  |  | 347 |  |  | (734) |
Balance at end of period |  | $ | 1,872 |  |  | $ | 1,421 |  |  | $ | 1,872 |  |  | $ | 1,421 |

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