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Allowance For Loan Losses (Tables) | 9 Months Ended
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Sep. 30, 2014
Receivables [Abstract] |
Schedule Of Allowance For Loan Loss By Portfolio Segment | The following table summarizes the activity in the allowance for loan loss, by portfolio segment, for the nine months ended September 30, 2014 and 2013 (in thousands). The following table also presents the balance in the allowance for loan loss disaggregated on the basis of the Company’s impairment measurement method and the related recorded investment in loans, by portfolio segment, as of September 30, 2014 and December 31, 2013 (in thousands).
| Commercial & | Commercial | Residential |  |  | DDA |
| Industrial | Real Estate | Real Estate | Home equity | Consumer | Overdrafts | Total
Nine months ended September 30, 2014 |  |  |  |  |  |  |
Allowance for loan loss
Beginning balance | $ | 1,139 |  | $ | 10,775 |  | $ | 6,057 |  | $ | 1,672 |  | $ | 77 |  | $ | 855 |  | $ | 20,575 |
Charge-offs | 330 |  | 1,665 |  | 1,348 |  | 288 |  | 171 |  | 1,052 |  | 4,854 |
Recoveries | 85 |  | 94 |  | 91 |  | — |  | 172 |  | 654 |  | 1,096 |
Provision | 564 |  | 402 |  | 2,159 |  | 107 |  | 10 |  | 293 |  | 3,535 |
Provision for acquired loans | 135 |  | — |  | — |  | — |  | — |  | — |  | 135 |
Ending balance | $ | 1,593 |  | $ | 9,606 |  | $ | 6,959 |  | $ | 1,491 |  | $ | 88 |  | $ | 750 |  | $ | 20,487 |
Nine months ended September 30, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan loss |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance | $ | 498 |  | $ | 10,440 |  | $ | 5,229 |  | $ | 1,699 |  | $ | 81 |  | $ | 862 |  | $ | 18,809 |
Charge-offs | 772 |  | 803 |  | 1,598 |  | 278 |  | 326 |  | 1,102 |  | 4,879 |
Recoveries | 51 |  | 669 |  | 137 |  | — |  | 242 |  | 674 |  | 1,773 |
Provision | 1,460 |  | 201 |  | 2,481 |  | 268 |  | 79 |  | 414 |  | 4,903 |
Ending balance | $ | 1,237 |  | $ | 10,507 |  | $ | 6,249 |  | $ | 1,689 |  | $ | 76 |  | $ | 848 |  | $ | 20,606 |
As of September 30, 2014 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan loss |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | — |  | $ | 247 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 247 |
Collectively | 1,551 |  | 8,705 |  | 6,923 |  | 1,491 |  | 88 |  | 750 |  | 19,508 |
Acquired with deteriorated |  |  |  |  |  |  |  |  |  |  |  |  |  |
credit quality | 42 |  | 654 |  | 36 |  | — |  | — |  | — |  | 732 |
Total | $ | 1,593 |  | $ | 9,606 |  | $ | 6,959 |  | $ | 1,491 |  | $ | 88 |  | $ | 750 |  | $ | 20,487 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | — |  | $ | 6,115 |  | $ | 451 |  | $ | 297 |  | $ | — |  | $ | — |  | $ | 6,863 |
Collectively | 128,726 |  | 1,014,641 |  | 1,273,230 |  | 144,241 |  | 40,918 |  | 3,618 |  | 2,605,374 |
Acquired with deteriorated |  |  |  |  |  |  |  |  |  |  |  |  |  |
credit quality | 1,736 |  | 13,837 |  | 381 |  | 2,427 |  | 124 |  | — |  | 18,505 |
Total | $ | 130,462 |  | $ | 1,034,593 |  | $ | 1,274,062 |  | $ | 146,965 |  | $ | 41,042 |  | $ | 3,618 |  | $ | 2,630,742 |
As of December 31, 2013 |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan loss |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | — |  | $ | 880 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 880 |
Collectively | 827 |  | 9,615 |  | 6,054 |  | 1,672 |  | 77 |  | 855 |  | 19,100 |
Acquired with deteriorated |  |  |  |  |  |  |
credit quality | 312 |  | 280 |  | 3 |  | — |  | — |  | — |  | 595 |
Total | $ | 1,139 |  | $ | 10,775 |  | $ | 6,057 |  | $ | 1,672 |  | $ | 77 |  | $ | 855 |  | $ | 20,575 |
Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually | $ | — |  | $ | 11,837 |  | $ | 459 |  | $ | 298 |  | $ | — |  | $ | — |  | $ | 12,594 |
Collectively | 146,318 |  | 1,020,657 |  | 1,201,894 |  | 145,025 |  | 46,292 |  | 3,905 |  | 2,564,091 |
Acquired with deteriorated |  |  |  |  |  |  |
credit quality | 1,984 |  | 24,554 |  | 2,097 |  | 767 |  | 110 |  | — |  | 29,512 |
Total | $ | 148,302 |  | $ | 1,057,048 |  | $ | 1,204,450 |  | $ | 146,090 |  | $ | 46,402 |  | $ | 3,905 |  | $ | 2,606,197 |
Schedule Of Credit Quality Indicators | The Company uses the following definitions for its risk ratings:
Risk Rating | Description
Pass ratings: |
(a) Exceptional | Loans classified as exceptional are secured with liquid collateral conforming to the internal loan policy. Loans rated within this category pose minimal risk of loss to the bank.
(b) Good | Loans classified as good have similar characteristics that include a strong balance sheet, satisfactory debt service coverage ratios, strong management and/or guarantors, and little exposure to economic cycles. Loans in this category generally have a low chance of loss to the bank.
(c) Acceptable | Loans classified as acceptable have acceptable liquidity levels, adequate debt service coverage ratios, experienced management, and have average exposure to economic cycles. Loans within this category generally have a low risk of loss to the bank.
(d) Pass/watch | Loans classified as pass/watch have erratic levels of leverage and/or liquidity, cash flow is volatile and the borrower is subject to moderate economic risk. A borrower in this category poses a low to moderate risk of loss to the bank.
Special mention | Loans classified as special mention have a potential weakness(es) that deserves management’s close attention. The potential weakness could result in deterioration of the loan repayment or the bank’s credit position at some future date. A loan rated in this category poses a moderate loss risk to the bank.
Substandard | Loans classified as substandard reflect a customer with a well defined weakness that jeopardizes the liquidation of the debt. Loans in this category have the possibility that the bank will sustain some loss if the deficiencies are not corrected and the bank’s collateral value is weakened by the financial deterioration of the borrower.
Doubtful | Loans classified as doubtful have all the weaknesses inherent in those classified as substandard, with the added characteristics that make collection of the full contract amount highly improbable. Loans rated in this category are most likely to cause the bank to have a loss due to a collateral shortfall or a negative capital position.
The following table presents loans by the Company’s commercial loans by credit quality indicators, by class (in thousands):
| Commercial and industrial |  | Commercial real estate |  | Total
September 30, 2014 |  |  |  |  |
Pass | $ | 116,498 |  |  | $ | 967,581 |  |  | $ | 1,084,079 |
Special mention | 654 |  |  | 19,134 |  |  | 19,788 |
Substandard | 12,900 |  |  | 47,443 |  |  | 60,343 |
Doubtful | 410 |  |  | 435 |  |  | 845 |
Total | $ | 130,462 |  |  | $ | 1,034,593 |  |  | $ | 1,165,055 |
December 31, 2013 |  |  |  |  |  |  |  |
Pass | $ | 141,818 |  |  | $ | 974,368 |  |  | $ | 1,116,186 |
Special mention | 648 |  |  | 20,072 |  |  | 20,720 |
Substandard | 5,416 |  |  | 62,139 |  |  | 67,555 |
Doubtful | 420 |  |  | 469 |  |  | 889 |
Total | $ | 148,302 |  |  | $ | 1,057,048 |  |  | $ | 1,205,350 |
Schedule Of Noncommercial Loans By Payment Performance | The following table presents the Company's non-commercial loans by payment performance, by class (in thousands):
| Performing |  | Non-Performing |  | Total
September 30, 2014 |  |  |  |  |
Residential real estate | $ | 1,271,767 |  |  | $ | 2,295 |  |  | $ | 1,274,062 |
Home equity - junior lien | 146,689 |  |  | 276 |  |  | 146,965 |
Consumer | 41,001 |  |  | 41 |  |  | 41,042 |
DDA overdrafts | 3,617 |  |  | 1 |  |  | 3,618 |
Total | $ | 1,463,074 |  |  | $ | 2,613 |  |  | $ | 1,465,687 |
December 31, 2013 |  |  |  |  |
Residential real estate | $ | 1,201,631 |  |  | $ | 2,819 |  |  | $ | 1,204,450 |
Home equity - junior lien | 145,812 |  |  | 278 |  |  | 146,090 |
Consumer | 46,353 |  |  | 49 |  |  | 46,402 |
DDA overdrafts | 3,900 |  |  | 5 |  |  | 3,905 |
Total | $ | 1,397,696 |  |  | $ | 3,151 |  |  | $ | 1,400,847 |
Schedule Of Aging Analysis Of Accruing And Non-Accruing Loans | The following table presents an aging analysis of the Company’s accruing and non-accruing loans, by class, as of September 30, 2014 and December 31, 2013 (in thousands):
| Originated Loans
| September 30, 2014
| Accruing |  |  |  |
| Current |  | 30-59 days |  | 60-89 days |  | Over 90 days |  | Purchased-Credit Impaired |  | Non-accrual |  | Total
Residential real estate | $ | 1,176,782 |  |  | $ | 4,428 |  |  | $ | 683 |  |  | $ | 164 |  |  | $ | — |  |  | $ | 2,131 |  |  | $ | 1,184,188 |
Home equity - junior lien | 143,460 |  |  | 590 |  |  | 25 |  |  | 136 |  |  | — |  |  | 127 |  |  | 144,338 |
Commercial and industrial | 114,963 |  |  | 188 |  |  | — |  |  | — |  |  | — |  |  | 90 |  |  | 115,241 |
Commercial real estate | 859,813 |  |  | 938 |  |  | — |  |  | — |  |  | — |  |  | 9,270 |  |  | 870,021 |
Consumer | 32,994 |  |  | 46 |  |  | 12 |  |  | — |  |  | — |  |  | — |  |  | 33,052 |
DDA overdrafts | 3,025 |  |  | 590 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | 3,618 |
Total | $ | 2,331,037 |  |  | $ | 6,780 |  |  | $ | 722 |  |  | $ | 301 |  |  | $ | — |  |  | $ | 11,618 |  |  | $ | 2,350,458 |
| Acquired Loans
| September 30, 2014
| Accruing |  |  |  |
| Current |  | 30-59 days |  | 60-89 days |  | Over 90 days |  | Purchased-Credit Impaired |  | Non-accrual |  | Total
Residential real estate | $ | 89,373 |  |  | $ | 406 |  |  | $ | 95 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 89,874 |
Home equity - junior lien | 2,612 |  |  | 2 |  |  | — |  |  | 13 |  |  | — |  |  | — |  |  | 2,627 |
Commercial and industrial | 13,572 |  |  | 3 |  |  | 8 |  |  | 86 |  |  | — |  |  | 1,552 |  |  | 15,221 |
Commercial real estate | 157,412 |  |  | 1,477 |  |  | 85 |  |  | 393 |  |  | 1,016 |  |  | 4,189 |  |  | 164,572 |
Consumer | 7,802 |  |  | 145 |  |  | 2 |  |  | 16 |  |  | — |  |  | 25 |  |  | 7,990 |
DDA overdrafts | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 270,771 |  |  | $ | 2,033 |  |  | $ | 190 |  |  | $ | 508 |  |  | $ | 1,016 |  |  | $ | 5,766 |  |  | $ | 280,284 |
| Total Loans
| September 30, 2014
| Accruing |  |  |  |
| Current |  | 30-59 days |  | 60-89 days |  | Over 90 days |  | Purchased-Credit Impaired |  | Non-accrual |  | Total
Residential real estate | $ | 1,266,155 |  |  | $ | 4,834 |  |  | $ | 778 |  |  | $ | 164 |  |  | $ | — |  |  | $ | 2,131 |  |  | $ | 1,274,062 |
Home equity - junior lien | 146,072 |  |  | 592 |  |  | 25 |  |  | 149 |  |  | — |  |  | 127 |  |  | 146,965 |
Commercial and industrial | 128,535 |  |  | 191 |  |  | 8 |  |  | 86 |  |  | — |  |  | 1,642 |  |  | 130,462 |
Commercial real estate | 1,017,225 |  |  | 2,415 |  |  | 85 |  |  | 393 |  |  | 1,016 |  |  | 13,459 |  |  | 1,034,593 |
Consumer | 40,796 |  |  | 191 |  |  | 14 |  |  | 16 |  |  | — |  |  | 25 |  |  | 41,042 |
DDA overdrafts | 3,025 |  |  | 590 |  |  | 2 |  |  | 1 |  |  | — |  |  | — |  |  | 3,618 |
Total | $ | 2,601,808 |  |  | $ | 8,813 |  |  | $ | 912 |  |  | $ | 809 |  |  | $ | 1,016 |  |  | $ | 17,384 |  |  | $ | 2,630,742 |
| Originated Loans
| December 31, 2013
| Accruing |  |  |  |
| Current |  | 30-59 days |  | 60-89 days |  | Over 90 days |  | Purchased-Credit Impaired |  | Non-accrual |  | Total
Residential real estate | $ | 1,096,911 |  |  | $ | 4,123 |  |  | $ | 495 |  |  | $ | 231 |  |  | $ | — |  |  | $ | 1,905 |  |  | $ | 1,103,665 |
Home equity - junior lien | 141,967 |  |  | 880 |  |  | — |  |  | 42 |  |  | — |  |  | 236 |  |  | 143,125 |
Commercial and industrial | 128,015 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 79 |  |  | 128,094 |
Commercial real estate | 852,090 |  |  | 668 |  |  | — |  |  | — |  |  | — |  |  | 13,097 |  |  | 865,855 |
Consumer | 32,647 |  |  | 172 |  |  | 7 |  |  | 4 |  |  | — |  |  | — |  |  | 32,830 |
DDA overdrafts | 3,511 |  |  | 374 |  |  | 15 |  |  | 5 |  |  | — |  |  | — |  |  | 3,905 |
Total | $ | 2,255,141 |  |  | $ | 6,217 |  |  | $ | 517 |  |  | $ | 282 |  |  | $ | — |  |  | $ | 15,317 |  |  | $ | 2,277,474 |
| Acquired Loans
| December 31, 2013
| Accruing |  |  |  |
| Current |  | 30-59 days |  | 60-89 days |  | Over 90 days |  | Purchased-Credit Impaired |  | Non-accrual |  | Total
Residential real estate | $ | 99,089 |  |  | $ | 842 |  |  | $ | 172 |  |  | $ | — |  |  | $ | — |  |  | $ | 682 |  |  | $ | 100,785 |
Home equity - junior lien | 2,965 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,965 |
Commercial and industrial | 18,253 |  |  | — |  |  | 80 |  |  | — |  |  | — |  |  | 1,875 |  |  | 20,208 |
Commercial real estate | 176,018 |  |  | 2,772 |  |  | 273 |  |  | 109 |  |  | 7,534 |  |  | 4,487 |  |  | 191,193 |
Consumer | 12,876 |  |  | 622 |  |  | 29 |  |  | 45 |  |  | — |  |  | — |  |  | 13,572 |
DDA overdrafts | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 309,201 |  |  | $ | 4,236 |  |  | $ | 554 |  |  | $ | 154 |  |  | $ | 7,534 |  |  | $ | 7,044 |  |  | $ | 328,723 |
| Total Loans
| December 31, 2013
| Accruing |  |  |  |
| Current |  | 30-59 days |  | 60-89 days |  | Over 90 days |  | Purchased-Credit Impaired |  | Non-accrual |  | Total
Residential real estate | $ | 1,196,000 |  |  | $ | 4,965 |  |  | $ | 667 |  |  | $ | 231 |  |  | $ | — |  |  | $ | 2,587 |  |  | $ | 1,204,450 |
Home equity - junior lien | 144,932 |  |  | 880 |  |  | — |  |  | 42 |  |  | — |  |  | 236 |  |  | 146,090 |
Commercial and industrial | 146,268 |  |  | — |  |  | 80 |  |  | — |  |  | — |  |  | 1,954 |  |  | 148,302 |
Commercial real estate | 1,028,108 |  |  | 3,440 |  |  | 273 |  |  | 109 |  |  | 7,534 |  |  | 17,584 |  |  | 1,057,048 |
Consumer | 45,523 |  |  | 794 |  |  | 36 |  |  | 49 |  |  | — |  |  | — |  |  | 46,402 |
DDA overdrafts | 3,511 |  |  | 374 |  |  | 15 |  |  | 5 |  |  | — |  |  | — |  |  | 3,905 |
Total | $ | 2,564,342 |  |  | $ | 10,453 |  |  | $ | 1,071 |  |  | $ | 436 |  |  | $ | 7,534 |  |  | $ | 22,361 |  |  | $ | 2,606,197 |
Schedule Of Impaired Loans | The following table presents the Company’s impaired loans, by class, as of September 30, 2014 and December 31, 2013 (in thousands). The difference between the unpaid principal balance and the recorded investment generally reflects amounts that have been previously charged-off.
| September 30, 2014 |  | December 31, 2013
|  |  | Unpaid |  |  |  |  |  | Unpaid |  |
| Recorded |  | Principal |  | Related |  | Recorded |  | Principal |  | Related
| Investment |  | Balance |  | Allowance |  | Investment |  | Balance |  | Allowance
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |
Residential real estate | $ | 451 |  |  | $ | 451 |  |  | $ | — |  |  | $ | 459 |  |  | $ | 459 |  |  | $ | — |
Home equity - junior liens | 297 |  |  | 297 |  |  | — |  |  | 298 |  |  | 298 |  |  | — |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 4,718 |  |  | 4,718 |  |  | — |  |  | 8,421 |  |  | 8,361 |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
DDA overdrafts | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 5,466 |  |  | $ | 5,466 |  |  | $ | — |  |  | $ | 9,178 |  |  | $ | 9,118 |  |  | $ | — |
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |
Residential real estate | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Home equity - junior liens | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 1,397 |  |  | 1,397 |  |  | 247 |  |  | 3,416 |  |  | 3,416 |  |  | 880 |
Consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
DDA overdrafts | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | 1,397 |  |  | $ | 1,397 |  |  | $ | 247 |  |  | $ | 3,416 |  |  | $ | 3,416 |  |  | $ | 880 |
Schedule Of Information Related To Average Recorded Investment And Interest Income Recognized On Impaired Loans | The following table presents information related to the average recorded investment and interest income recognized on the Company’s impaired loans, by class (in thousands):
| For the nine months ended
| September 30, 2014 |  | September 30, 2013
| Average |  | Interest |  | Average |  | Interest
| Recorded |  | Income |  | Recorded |  | Income
| Investment |  | Recognized |  | Investment |  | Recognized
With no related allowance recorded: |  |  |  |  |  |  |
Residential real estate | $ | 453 |  |  | $ | — |  |  | $ | 464 |  |  | $ | — |
Home equity - junior liens | 297 |  |  | — |  |  | 297 |  |  | — |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 7,329 |  |  | 4 |  |  | 9,200 |  |  | 24 |
Consumer | — |  |  | — |  |  | — |  |  | — |
DDA overdrafts | — |  |  | — |  |  | — |  |  | — |
Total | $ | 8,079 |  |  | $ | 4 |  |  | $ | 9,961 |  |  | $ | 24 |
With an allowance recorded |  |  |  |  |  |  |
Residential real estate | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Home equity - junior liens | — |  |  | — |  |  | — |  |  | — |
Commercial and industrial | — |  |  | — |  |  | — |  |  | — |
Commercial real estate | 1,837 |  |  | 30 |  |  | 3,277 |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |
DDA overdrafts | — |  |  | — |  |  | — |  |  | — |
Total | $ | 1,837 |  |  | $ | 30 |  |  | $ | 3,277 |  |  | $ | — |
Schedule Of Troubled Debt Restructurings | The following tables set forth the Company’s TDRs (in thousands):
| September 30, 2014 |  | December 31, 2013
|  | Non- |  |  |  |  |  | Non- |  |
Accruing |  | Accruing |  | Total |  | Accruing |  | Accruing |  | Total
Commercial and industrial | $ | 77 |  |  | $ | — |  |  | $ | 77 |  |  | $ | 88 |  |  | $ | — |  |  | $ | 88 |
Commercial real estate | 2,269 |  |  | — |  |  | 2,269 |  |  | 1,783 |  |  | — |  |  | 1,783 |
Residential real estate | 17,833 |  |  | 207 |  |  | 18,040 |  |  | 18,651 |  |  | 1,693 |  |  | 20,344 |
Home equity | 2,821 |  |  | — |  |  | 2,821 |  |  | 2,859 |  |  | 14 |  |  | 2,873 |
Consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
| $ | 23,000 |  |  | $ | 207 |  |  | $ | 23,207 |  |  | $ | 23,381 |  |  | $ | 1,707 |  |  | $ | 25,088 |
| New TDRs |  | New TDRs
| For the nine months ended |  | For the nine months ended
| September 30, 2014 |  | September 30, 2013
|  | Pre |  | Post |  |  |  | Pre |  | Post
|  | Modification |  | Modification |  |  |  | Modification |  | Modification
|  | Outstanding |  | Outstanding |  |  |  | Outstanding |  | Outstanding
Number of |  | Recorded |  | Recorded |  | Number of |  | Recorded |  | Recorded
Contracts |  | Investment |  | Investment |  | Contracts |  | Investment |  | Investment
Commercial and industrial | — |  |  | $ | — |  |  | $ | — |  |  | 1 |  |  | $ | 91 |  |  | $ | 91 |
Commercial real estate | 1 |  |  | 432 |  |  | 432 |  |  | 3 |  |  | 1,567 |  |  | 1,567 |
Residential real estate | 26 |  |  | 2,049 |  |  | 2,049 |  |  | 30 |  |  | 2,808 |  |  | 2,808 |
Home equity | 8 |  |  | 203 |  |  | 203 |  |  | 12 |  |  | 323 |  |  | 323 |
Consumer | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
| 35 |  |  | $ | 2,684 |  |  | $ | 2,684 |  |  | 46 |  |  | $ | 4,789 |  |  | $ | 4,789 |

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