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LOANS (Tables) | 6 Months Ended | 12 Months Ended
--- | --- | ---
Jun. 30, 2020 | Dec. 31, 2020
LOANS - Carrying Amount of Accretable Yield for Purchased Impaired and Nonimpaired Loans [Abstract] |  |
Commercial and Consumer Credit Exposure by Risk Attribute |  | The following table sets forth the Company's loan portfolio at December 31, 2020 by risk attribute and origination date:
(Dollars in thousands) |  | 2020 |  | 2019 |  | 2018 |  | 2017 |  | 2016 |  | Prior |  | Term Total |  | Revolving |  | Total
Commercial & industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,141,163 |  |  | $ | 460,210 |  |  | $ | 296,221 |  |  | $ | 208,077 |  |  | $ | 122,686 |  |  | $ | 138,307 |  |  | $ | 2,366,664 |  |  | $ | 502,286 |  |  | $ | 2,868,950 |
Special mention |  | 24,668 |  |  | 10,281 |  |  | 18,118 |  |  | 6,893 |  |  | 6,668 |  |  | 6,090 |  |  | 72,718 |  |  | 10,470 |  |  | 83,188 |
Substandard |  | 6,709 |  |  | 2,370 |  |  | 8,022 |  |  | 26,565 |  |  | 5,124 |  |  | 1,192 |  |  | 49,982 |  |  | 5,389 |  |  | 55,371 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 1,172,540 |  |  | $ | 472,861 |  |  | $ | 322,361 |  |  | $ | 241,535 |  |  | $ | 134,478 |  |  | $ | 145,589 |  |  | $ | 2,489,364 |  |  | $ | 518,145 |  |  | $ | 3,007,509 |
Lease financing |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 22,916 |  |  | $ | 22,397 |  |  | $ | 12,942 |  |  | $ | 6,967 |  |  | $ | 4,802 |  |  | $ | 2,368 |  |  | $ | 72,392 |  |  | $ | 0 |  |  | $ | 72,392 |
Special mention |  | 290 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 290 |  | 0 |  | 290
Substandard |  | 5 |  | 0 |  | 0 |  | 180 |  | 120 |  | 0 |  | 305 |  | 0 |  | 305
Doubtful |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 0
Total |  | $ | 23,211 |  |  | $ | 22,397 |  |  | $ | 12,942 |  |  | $ | 7,147 |  |  | $ | 4,922 |  |  | $ | 2,368 |  |  | $ | 72,987 |  |  | $ | 0 |  |  | $ | 72,987 |
Construction real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 96,410 |  |  | $ | 259,524 |  |  | $ | 182,625 |  |  | $ | 23,185 |  |  | $ | 24,786 |  |  | $ | 426 |  |  | $ | 586,956 |  |  | $ | 19,671 |  |  | $ | 606,627 |
Special mention |  | 0 |  |  | 621 |  |  | 18,203 |  |  | 9,984 |  |  | 661 |  |  | 0 |  |  | 29,469 |  |  | 0 |  |  | 29,469 |
Substandard |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 96,410 |  |  | $ | 260,145 |  |  | $ | 200,828 |  |  | $ | 33,169 |  |  | $ | 25,447 |  |  | $ | 426 |  |  | $ | 616,425 |  |  | $ | 19,671 |  |  | $ | 636,096 |
Commercial real estate - investor |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 515,950 |  |  | $ | 1,011,898 |  |  | $ | 427,077 |  |  | $ | 378,536 |  |  | $ | 286,587 |  |  | $ | 361,403 |  |  | $ | 2,981,451 |  |  | $ | 56,398 |  |  | $ | 3,037,849 |
Special mention |  | 0 |  |  | 17,463 |  |  | 15,534 |  |  | 44,426 |  |  | 32,408 |  |  | 43,704 |  |  | 153,535 |  |  | 559 |  |  | 154,094 |
Substandard |  | 6,198 |  |  | 2,043 |  |  | 22,497 |  |  | 7,067 |  |  | 68 |  |  | 14,724 |  |  | 52,597 |  |  | 0 |  |  | 52,597 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 522,148 |  |  | $ | 1,031,404 |  |  | $ | 465,108 |  |  | $ | 430,029 |  |  | $ | 319,063 |  |  | $ | 419,831 |  |  | $ | 3,187,583 |  |  | $ | 56,957 |  |  | $ | 3,244,540 |
Commercial real estate - owner |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 185,692 |  |  | $ | 162,480 |  |  | $ | 147,236 |  |  | $ | 125,275 |  |  | $ | 128,755 |  |  | $ | 211,519 |  |  | $ | 960,957 |  |  | $ | 36,721 |  |  | $ | 997,678 |
Special mention |  | 4,292 |  |  | 11,380 |  |  | 2,891 |  |  | 8,230 |  |  | 3,017 |  |  | 19,384 |  |  | 49,194 |  |  | 59 |  |  | 49,253 |
Substandard |  | 668 |  |  | 504 |  |  | 7,054 |  |  | 5,496 |  |  | 306 |  |  | 2,321 |  |  | 16,349 |  |  | 38 |  |  | 16,387 |
Doubtful |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  | $ | 190,652 |  |  | $ | 174,364 |  |  | $ | 157,181 |  |  | $ | 139,001 |  |  | $ | 132,078 |  |  | $ | 233,224 |  |  | $ | 1,026,500 |  |  | $ | 36,818 |  |  | $ | 1,063,318 |
Residential real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 290,277 |  |  | $ | 241,601 |  |  | $ | 115,747 |  |  | $ | 64,220 |  |  | $ | 60,094 |  |  | $ | 224,281 |  |  | $ | 996,220 |  |  | $ | 0 |  |  | $ | 996,220 |
Nonperforming |  | 321 |  |  | 429 |  |  | 673 |  |  | 643 |  |  | 87 |  |  | 4,713 |  |  | 6,866 |  |  | 0 |  |  | 6,866 |
Total |  | $ | 290,598 |  |  | $ | 242,030 |  |  | $ | 116,420 |  |  | $ | 64,863 |  |  | $ | 60,181 |  |  | $ | 228,994 |  |  | $ | 1,003,086 |  |  | $ | 0 |  |  | $ | 1,003,086 |
Home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 60,967 |  |  | $ | 20,200 |  |  | $ | 17,445 |  |  | $ | 11,308 |  |  | $ | 9,744 |  |  | $ | 41,571 |  |  | $ | 161,235 |  |  | $ | 577,609 |  |  | $ | 738,844 |
Nonperforming |  | 0 |  |  | 0 |  |  | 0 |  |  | 39 |  |  | 28 |  |  | 138 |  |  | 205 |  |  | 4,050 |  |  | 4,255 |
Total |  | $ | 60,967 |  |  | $ | 20,200 |  |  | $ | 17,445 |  |  | $ | 11,347 |  |  | $ | 9,772 |  |  | $ | 41,709 |  |  | $ | 161,440 |  |  | $ | 581,659 |  |  | $ | 743,099 |
Installment |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 21,584 |  |  | $ | 15,614 |  |  | $ | 11,041 |  |  | $ | 8,812 |  |  | $ | 1,954 |  |  | $ | 3,185 |  |  | $ | 62,190 |  |  | $ | 19,479 |  |  | $ | 81,669 |
Nonperforming |  | 15 |  |  | 53 |  |  | 23 |  |  | 35 |  |  | 17 |  |  | 36 |  |  | 179 |  |  | 2 |  |  | 181 |
Total |  | $ | 21,599 |  |  | $ | 15,667 |  |  | $ | 11,064 |  |  | $ | 8,847 |  |  | $ | 1,971 |  |  | $ | 3,221 |  |  | $ | 62,369 |  |  | $ | 19,481 |  |  | $ | 81,850 |
Credit cards |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 47,845 |  |  | $ | 47,845 |
Nonperforming |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 640 |  |  | 640 |
Total |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 0 |  |  | $ | 48,485 |  |  | $ | 48,485 |
Grand Total |  | $ | 2,378,125 |  |  | $ | 2,239,068 |  |  | $ | 1,303,349 |  |  | $ | 935,938 |  |  | $ | 687,912 |  |  | $ | 1,075,362 |  |  | $ | 8,619,754 |  |  | $ | 1,281,216 |  |  | $ | 9,900,970 |
Commercial and consumer credit exposure by risk attribute as of December 31, 2019 was as follows:
|  | As of December 31, 2019
|  |  |  | Real Estate |  |  |  |
(Dollars in thousands) |  | Commercial & industrial |  | Construction |  | Commercial |  | Lease 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 |
|  | 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 nonaccrual loans, was as follows:
|  | As of December 31, 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 |  | $ | 6,532 |  |  | $ | 0 |  |  | $ | 1,861 |  |  | $ | 8,393 |  |  | $ | 2,999,116 |  |  | $ | 3,007,509 |  |  | $ | 0 |
Lease financing |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 72,987 |  |  | 72,987 |  |  | 0 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 636,096 |  |  | 636,096 |  |  | 0 |
Commercial real estate-investor |  | 136 |  |  | 0 |  |  | 24,422 |  |  | 24,558 |  |  | 3,219,982 |  |  | 3,244,540 |  |  | 0 |
Commercial real estate-owner |  | 6,480 |  |  | 174 |  |  | 400 |  |  | 7,054 |  |  | 1,056,264 |  |  | 1,063,318 |  |  | 0 |
Residential real estate |  | 2,809 |  |  | 370 |  |  | 3,687 |  |  | 6,866 |  |  | 996,220 |  |  | 1,003,086 |  |  | 0 |
Home equity |  | 1,483 |  |  | 835 |  |  | 1,937 |  |  | 4,255 |  |  | 738,844 |  |  | 743,099 |  |  | 0 |
Installment |  | 94 |  |  | 35 |  |  | 51 |  |  | 180 |  |  | 81,670 |  |  | 81,850 |  |  | 0 |
Credit card |  | 303 |  |  | 163 |  |  | 174 |  |  | 640 |  |  | 47,845 |  |  | 48,485 |  |  | 169 |
Total |  | $ | 17,837 |  |  | $ | 1,577 |  |  | $ | 32,532 |  |  | $ | 51,946 |  |  | $ | 9,849,024 |  |  | $ | 9,900,970 |  |  | $ | 169 |
|  | 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 table provides information on loan modifications classified as TDRs during the years ended December 31, 2020, 2019 and 2018:
|  | Years ended December 31,
|  | 2020 |  | 2019 |  | 2018
(Dollars in thousands) |  | Number of loans |  | Pre-modification loan balance |  | Period end balance |  | Number of loans |  | Pre-modification loan balance |  | Period end balance |  | Number of loans |  | Pre-modification loan balance |  | Period end balance
Commercial & industrial |  | 8 |  |  | $ | 14,984 |  |  | $ | 14,984 |  |  | 8 |  | $ | 25,009 |  |  | $ | 25,071 |  |  | 17 |  | $ | 23,943 |  |  | $ | 23,890 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |  |  | 0 |  | 0 |  |  | 0 |
Commercial real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 9 |  | 3,024 |  |  | 2,932 |  |  | 8 |  | 3,385 |  |  | 3,150 |
Residential real estate |  | 24 |  |  | 1,953 |  |  | 1,847 |  |  | 30 |  | 3,415 |  |  | 3,062 |  |  | 13 |  | 1,148 |  |  | 1,073 |
Home equity |  | 11 |  |  | 351 |  |  | 349 |  |  | 14 |  | 395 |  |  | 366 |  |  | 5 |  | 95 |  |  | 192 |
Installment |  | 2 |  |  | 35 |  |  | 22 |  |  | 2 |  | 41 |  |  | 39 |  |  | 0 |  | 0 |  |  | 0 |
Total |  | 45 |  |  | $ | 17,323 |  |  | $ | 17,202 |  |  | 63 |  |  | $ | 31,884 |  |  | $ | 31,470 |  |  | 43 |  |  | $ | 28,571 |  |  | $ | 28,305 |
Loans Restructured, Modifications |  | The following table provides information on how TDRs were modified during the years ended December 31, 2020, 2019 and 2018:
|  | Years Ended December 31,
(Dollars in thousands) |  | 2020 |  | 2019 |  | 2018
Extended maturities |  | $ | 0 |  |  | $ | 2,877 |  |  | $ | 4,093 |
Adjusted interest rates |  | 0 |  | 5,284 |  | 52
Combination of rate and maturity changes |  | 0 |  | 516 |  |  | 0 |
Forbearance |  | 4,759 |  | 20,320 |  |  | 23,175 |
Other (1) |  | 12,443 |  | 2,473 |  |  | 985 |
Total |  | $ | 17,202 |  |  | $ | 31,470 |  |  | $ | 28,305 |
(1) Other includes covenant modifications and other concessions or combination of concessions that do not consist of interest rate adjustments, forbearance and maturity extensions.
Loan Restructuring, Loans with a Payment Default Within 12 Months of Loan Modification |  |
Nonaccrual, Restructured and Impaired Loans |  | The following table provides information on nonperforming loans as of December 31:
|  | 2020 |  | 2019 |  | 2018
(Dollars in thousands) |  | Nonaccrual loans with a related ACL |  | Nonaccrual loans with no related ACL |  | Total nonaccrual |  | Total nonaccrual |  | Total nonaccrual
Nonaccrual loans (1) |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 18,711 |  |  | $ | 10,519 |  |  | $ | 29,230 |  |  | $ | 24,346 |  |  | $ | 30,925 |
Lease financing |  | 0 |  |  | 0 |  |  | 0 |  |  | 223 |  |  | 22 |
Construction real estate |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 9 |
Commercial real estate |  | 6,957 |  |  | 27,725 |  |  | 34,682 |  |  | 7,295 |  |  | 20,500 |
Residential real estate |  | 251 |  |  | 11,350 |  |  | 11,601 |  |  | 10,892 |  |  | 13,495 |
Home equity |  | 0 |  |  | 5,076 |  |  | 5,076 |  |  | 5,242 |  |  | 5,580 |
Installment |  | 0 |  |  | 163 |  |  | 163 |  |  | 167 |  |  | 169 |
Total nonaccrual loans |  | $ | 25,919 |  |  | $ | 54,833 |  |  | $ | 80,752 |  |  | $ | 48,165 |  |  | $ | 70,700 |
Interest income effect |  |  |  |  |  |  |  |  |  |
Gross amount of interest that would have been recorded under original terms |  |  |  |  |  | $ | 5,892 |  |  | $ | 5,813 |  |  | $ | 4,656 |
Interest included in income |  |  |  |  |  |  |  |  |  |
Nonaccrual loans |  |  |  |  |  | 1,636 |  |  | 1,042 |  |  | 715 |
Troubled debt restructurings |  |  |  |  |  | 426 |  |  | 801 |  |  | 642 |
Total interest included in income |  |  |  |  |  | 2,062 |  |  | 1,843 |  |  | 1,357 |
Net impact on interest income |  |  |  |  |  | $ | 3,830 |  |  | $ | 3,970 |  |  | $ | 3,299 |
Commitments outstanding to borrowers with nonaccrual loans |  |  |  |  |  | $ | 0 |  |  | $ | 3 |  |  | $ | 200 |
(1) Nonaccrual loans include nonaccrual TDRs of $14.7 million, $18.5 million and $22.4 million as of December 31, 2020, 2019 and 2018, respectively.
Investment in Impaired Loans |  | First Financial's investment in impaired loans was as follows:
|  |  |  | 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 |
|  |  |  |  |  | Years ended December 31,
|  |  |  | 2019 |  | 2018
(Dollars in thousands) |  |  |  |  |  | Average balance |  | Interest income recognized |  | Average balance |  | Interest income recognized
Loans with no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  |  |  |  |  | $ | 31,846 |  |  | $ | 926 |  |  | $ | 14,498 |  |  | $ | 360 |
Lease financing |  |  |  |  |  | 168 |  |  | 0 |  |  | 21 |  |  | 0 |
Construction real estate |  |  |  |  |  | 6 |  |  | 0 |  |  | 20 |  |  | 2 |
Commercial real estate |  |  |  |  |  | 18,757 |  |  | 357 |  |  | 24,738 |  |  | 490 |
Residential real estate |  |  |  |  |  | 15,915 |  |  | 307 |  |  | 11,359 |  |  | 301 |
Home equity |  |  |  |  |  | 5,893 |  |  | 121 |  |  | 5,541 |  |  | 114 |
Installment |  |  |  |  |  | 170 |  |  | 2 |  |  | 274 |  |  | 2 |
Total |  |  |  |  |  | 72,755 |  |  | 1,713 |  |  | 56,451 |  |  | 1,269 |
Loans with an allowance recorded |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  |  |  |  |  | 4,721 |  |  | 87 |  |  | 900 |  |  | 44 |
Lease financing |  |  |  |  |  | 57 |  |  | 0 |  |  | 0 |  |  | 0 |
Construction real estate |  |  |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Commercial real estate |  |  |  |  |  | 1,339 |  |  | 31 |  |  | 1,402 |  |  | 18 |
Residential real estate |  |  |  |  |  | 446 |  |  | 12 |  |  | 895 |  |  | 23 |
Home equity |  |  |  |  |  | 0 |  |  | 0 |  |  | 80 |  |  | 3 |
Installment |  |  |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  | 0 |
Total |  |  |  |  |  | 6,563 |  |  | 130 |  |  | 3,277 |  |  | 88 |
Total |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  |  |  |  |  | 36,567 |  |  | 1,013 |  |  | 15,398 |  |  | 404 |
Lease financing |  |  |  |  |  | 225 |  |  | 0 |  |  | 21 |  |  | 0 |
Construction real estate |  |  |  |  |  | 6 |  |  | 0 |  |  | 20 |  |  | 2 |
Commercial real estate |  |  |  |  |  | 20,096 |  |  | 388 |  |  | 26,140 |  |  | 508 |
Residential real estate |  |  |  |  |  | 16,361 |  |  | 319 |  |  | 12,254 |  |  | 324 |
Home equity |  |  |  |  |  | 5,893 |  |  | 121 |  |  | 5,621 |  |  | 117 |
Installment |  |  |  |  |  | 170 |  |  | 2 |  |  | 274 |  |  | 2 |
Total |  |  |  |  |  | $ | 79,318 |  |  | $ | 1,843 |  |  | $ | 59,728 |  |  | $ | 1,357 |
Schedule of Collateral Dependent Loans |  | The following table presents the amortized cost basis of collateral dependent loans by class of loan.
|  | December 31, 2020
|  | Type of Collateral
(Dollar in thousands) |  | Business assets |  | Commercial real estate |  | Equipment |  | Land |  | Residential real estate |  | Other |  | Total
Class of loan |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial |  | $ | 30,961 |  |  | $ | 6,130 |  |  | $ | 2,608 |  |  | $ | 865 |  |  | $ | 0 |  |  | $ | 4,892 |  |  | $ | 45,456 |
Commercial real estate-investor |  | 0 |  | 20,212 |  |  | 661 |  |  | 5,537 |  |  | 872 |  |  | 0 |  |  | 27,282 |
Commercial real estate-owner |  | 5,842 |  | 3,495 |  |  | 0 |  |  | 42 |  |  | 344 |  |  | 0 |  |  | 9,723 |
Residential real estate |  | 0 |  | 0 |  |  | 0 |  |  | 0 |  |  | 11,601 |  |  | 0 |  |  | 11,601 |
Home equity |  | 0 |  | 0 |  | 0 |  | 0 |  | 5,076 |  | 0 |  | 5,076 |
Installment |  | 0 |  | 0 |  | 0 |  | 0 |  | 0 |  | 163 |  | 163 |
Total |  | $ | 36,803 |  |  | $ | 29,837 |  |  | $ | 3,269 |  |  | $ | 6,444 |  |  | $ | 17,893 |  |  | $ | 5,055 |  |  | $ | 99,301 |
Changes in Other Real Estate Owned |  | Changes in OREO were as follows:
|  | Years ended December 31,
(Dollars in thousands) |  | 2020 |  | 2019 |  | 2018
Balance at beginning of year |  | $ | 2,033 |  |  | $ | 1,401 |  |  | $ | 2,781 |
Additions |  |  |  |  |  |
Commercial |  | 510 |  |  | 415 |  |  | 1,269 |
Residential |  | 507 |  |  | 2,033 |  |  | 1,913 |
Total additions |  | 1,017 |  |  | 2,448 |  |  | 3,182 |
Disposals |  |  |  |  |  |
Commercial |  | (217) |  |  | (541) |  |  | (2,967) |
Residential |  | (1,859) |  |  | (912) |  |  | (830) |
Total disposals |  | (2,076) |  |  | (1,453) |  |  | (3,797) |
Valuation adjustments |  |  |  |  |  |
Commercial |  | 448 |  |  | (112) |  |  | (355) |
Residential |  | (135) |  |  | (251) |  |  | (410) |
Total valuation adjustments |  | 313 |  |  | (363) |  |  | (765) |
Balance at end of year |  | $ | 1,287 |  |  | $ | 2,033 |  |  | $ | 1,401 |

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