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v3.21.2

Allowance For Credit Losses (Tables) | 9 Months Ended
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Sep. 30, 2021
Receivables [Abstract] |
Financing Receivable, Allowance for Credit Loss | The following table summarizes the activity in the allowance for credit losses, by portfolio loan classification, for the three and nine months ended September 30, 2021 and 2020 (in thousands). The allocation of a portion of the allowance in one portfolio segment does not preclude its availability to absorb losses in other portfolio segments.
| Commercial and | Commercial | Residential |  |  | DDA |
| Industrial | Real Estate | Real Estate | Home Equity | Consumer | Overdrafts | Total
Nine months ended September 30, 2021 |  |  |  |  |  |  |
Beginning balance | $ | 3,644 |  | $ | 10,997 |  | $ | 8,093 |  | $ | 630 |  | $ | 163 |  | $ | 1,022 |  | $ | 24,549 |
Charge-offs | (245) |  | (2,111) |  | (197) |  | (119) |  | (229) |  | (1,516) |  | (4,417) |
Recoveries | 140 |  | 197 |  | 120 |  | 84 |  | 215 |  | 1,028 |  | 1,784 |
(Recovery of) provision for credit losses | (177) |  | (1,281) |  | (2,042) |  | (123) |  | 1 |  | 457 |  | (3,165) |
Ending balance | $ | 3,362 |  | $ | 7,802 |  | $ | 5,974 |  | $ | 472 |  | $ | 150 |  | $ | 991 |  | $ | 18,751 |
Nine months ended September 30, 2020 |  |  |  |  |  |  |
Beginning balance | $ | 2,059 |  | $ | 2,606 |  | $ | 3,448 |  | $ | 1,187 |  | $ | 975 |  | $ | 1,314 |  | 11,589 |
Impact of adopting CECL | 1,715 |  | 3,254 |  | 2,139 |  | (598) |  | (810) |  | 60 |  | 5,760 |
Charge-offs | (834) |  | (497) |  | (1,111) |  | (332) |  | (165) |  | (1,716) |  | (4,655) |
Recoveries | 17 |  | 375 |  | 127 |  | 89 |  | 183 |  | 1,134 |  | 1,925 |
Provision for (recovery of) credit losses | 802 |  | 5,265 |  | 3,677 |  | 323 |  | 77 |  | 104 |  | 10,248 |
Ending balance | $ | 3,759 |  | $ | 11,003 |  | $ | 8,280 |  | $ | 669 |  | $ | 260 |  | $ | 896 |  | $ | 24,867 |
Three months ended September 30, 2021 |  |  |  |  |  |  |
Beginning balance | $ | 3,356 |  | $ | 8,367 |  | $ | 6,791 |  | $ | 535 |  | $ | 178 |  | $ | 789 |  | $ | 20,016 |
Charge-offs | — |  | (392) |  | (18) |  | (47) |  | (3) |  | (633) |  | (1,093) |
Recoveries | 69 |  | 18 |  | 29 |  | 58 |  | 72 |  | 307 |  | 553 |
(Recovery of) provision for credit losses | (63) |  | (191) |  | (828) |  | (74) |  | (97) |  | 528 |  | (725) |
Ending balance | $ | 3,362 |  | $ | 7,802 |  | $ | 5,974 |  | $ | 472 |  | $ | 150 |  | $ | 991 |  | $ | 18,751 |
Three months ended September 30, 2020 |  |  |  |  |  |  |
Beginning Balance | $ | 6,266 |  | $ | 10,090 |  | $ | 7,323 |  | $ | 647 |  | $ | 120 |  | $ | 753 |  | 25,199 |
Charge-offs | (757) |  | (75) |  | (252) |  | (126) |  | (74) |  | (554) |  | (1,838) |
Recoveries | 3 |  | 44 |  | 24 |  | 33 |  | 42 |  | 334 |  | 480 |
(Recovery of) provision for credit losses | (1,753) |  | 944 |  | 1,185 |  | 115 |  | 172 |  | 363 |  | 1,026 |
| $ | 3,759 |  | $ | 11,003 |  | $ | 8,280 |  | $ | 669 |  | $ | 260 |  | $ | 896 |  | $ | 24,867 |
Financing Receivable, Nonaccrual | The following table presents the amortized cost basis of loans on non-accrual status and loans past due over 90 days still accruing as of September 30, 2021 (in thousands):
| Non-accrual With No | Non-accrual With | Loans Past Due
| Allowance for | Allowance for | Over 90 Days
| Credit Losses | Credit Losses | Still Accruing
Commercial & Industrial | $ | 172 |  | $ | 359 |  | $ | 127 |
1-4 Family | — |  | 1,539 |  | — |
Hotels | — |  | 113 |  | — |
Multi-family | — |  | — |  | — |
Non Residential Non-Owner Occupied | — |  | 686 |  | — |
Non Residential Owner Occupied | 616 |  | 401 |  | — |
Commercial Real Estate | 616 |  | 2,739 |  | — |
Residential Real Estate | 76 |  | 3,558 |  | — |
Home Equity | — |  | 67 |  | — |
Consumer | — |  | — |  | — |
Total | $ | 864 |  | $ | 6,723 |  | $ | 127 |
The following table presents the amortized cost basis of loans on non-accrual status and loans past due over 90 days still accruing as of December 31, 2020 (in thousands):
| Non-accrual With No | Non-accrual With | Loans Past Due
| Allowance for | Allowance for | Over 90 Days
| Credit Losses | Credit Losses | Still Accruing
Commercial & Industrial | $ | 172 |  | $ | 596 |  | $ | — |
1-4 Family | — |  | 2,056 |  | — |
Hotels | — |  | 2,951 |  | — |
Multi-family | — |  | — |  | — |
Non Residential Non-Owner Occupied | — |  | 508 |  | — |
Non Residential Owner Occupied | 2,297 |  | 589 |  | — |
Commercial Real Estate | 2,297 |  | 6,104 |  | — |
Residential Real Estate | 21 |  | 2,947 |  | — |
Home Equity | — |  | 95 |  | — |
Consumer | — |  | — |  | — |
Total | $ | 2,490 |  | $ | 9,742 |  | $ | — |
Impaired Financing Receivables | The following table presents the amortized cost basis of individually evaluated impaired collateral-dependent loans as of September 30, 2021 and December 31, 2020 (in thousands). Changes in the fair value of the collateral for collateral-dependent loans are reported as credit loss expense or a reversal of credit loss expense in the period of change.
| September 30, 2021 | December 31, 2020
| Secured by | Secured by
| Real Estate | Equipment | Real Estate | Equipment
Commercial and industrial | $ | 172 |  | $ | — |  | $ | 173 |  | $ | — |
1-4 Family | — |  | — |  | — |  | — |
Hotels | — |  | — |  | 2,837 |  | — |
Multi-family | — |  | — |  | — |  | — |
Non Residential Non-Owner Occupied | — |  | — |  | — |  | — |
Non Residential Owner Occupied | 616 |  | — |  | 2,296 |  | — |
Commercial real estate | 616 |  | — |  | 5,133 |  | — |
Total | $ | 788 |  | $ | — |  | $ | 5,306 |  | $ | — |
Financing Receivable, Past Due | The following tables present the aging of the amortized cost basis in past-due loans as of September 30, 2021 and December 31, 2020 by class of loan (in thousands):
| September 30, 2021
| 30-59 | 60-89 | 90+ | Total | Current | Non- | Total
| Past Due | Past Due | Past Due | Past Due | Loans | accrual | Loans
Commercial and industrial | $ | 122 |  | $ | 206 |  | $ | 127 |  | $ | 455 |  | $ | 352,060 |  | $ | 531 |  | $ | 353,046 |
1-4 Family | 163 |  | — |  | — |  | 163 |  | 107,211 |  | 1,539 |  | 108,913 |
Hotels | — |  | — |  | — |  | — |  | 297,228 |  | 113 |  | 297,341 |
Multi-family | — |  | — |  | — |  | — |  | 215,307 |  | — |  | 215,307 |
Non Residential Non-Owner Occupied | 278 |  | — |  | — |  | 278 |  | 663,401 |  | 686 |  | 664,365 |
Non Residential Owner Occupied | — |  | — |  | — |  | — |  | 204,562 |  | 1,017 |  | 205,579 |
Commercial real estate | 441 |  | — |  | — |  | 441 |  | 1,487,709 |  | 3,355 |  | 1,491,505 |
Residential real estate | 4,655 |  | 603 |  | — |  | 5,258 |  | 1,497,680 |  | 3,634 |  | 1,506,572 |
Home Equity | 646 |  | 41 |  | — |  | 687 |  | 124,052 |  | 67 |  | 124,806 |
Consumer | 36 |  | — |  | — |  | 36 |  | 43,260 |  | — |  | 43,296 |
Overdrafts | 389 |  | 1 |  | — |  | 390 |  | 2,310 |  | — |  | 2,700 |
Total | $ | 6,289 |  | $ | 851 |  | $ | 127 |  | $ | 7,267 |  | $ | 3,507,071 |  | $ | 7,587 |  | $ | 3,521,925 |
| December 31, 2020
| 30-59 | 60-89 | 90+ | Total | Current | Non- | Total
| Past Due | Past Due | Past Due | Past Due | Loans | accrual | Loans
Commercial and industrial | $ | 1,213 |  | $ | 27 |  | $ | — |  | $ | 1,240 |  | $ | 370,981 |  | $ | 768 |  | $ | 372,989 |
1-4 Family | 484 |  | — |  | — |  | 484 |  | 107,272 |  | 2,056 |  | 109,812 |
Hotels | — |  | — |  | — |  | — |  | 291,513 |  | 2,951 |  | 294,464 |
Multi-family | — |  | — |  | — |  | — |  | 215,671 |  | — |  | 215,671 |
Non Residential Non-Owner Occupied | 119 |  | — |  | — |  | 119 |  | 640,724 |  | 508 |  | 641,351 |
Non Residential Owner Occupied | 22 |  | — |  | — |  | 22 |  | 210,576 |  | 2,886 |  | 213,484 |
Commercial real estate | 625 |  | — |  | — |  | 625 |  | 1,465,756 |  | 8,401 |  | 1,474,782 |
Residential real estate | 5,177 |  | 816 |  | — |  | 5,993 |  | 1,578,733 |  | 2,968 |  | 1,587,694 |
Home Equity | 575 |  | — |  | — |  | 575 |  | 135,799 |  | 95 |  | 136,469 |
Consumer | 63 |  | 50 |  | — |  | 113 |  | 47,575 |  | — |  | 47,688 |
Overdrafts | 334 |  | 7 |  | — |  | 341 |  | 2,156 |  | — |  | 2,497 |
Total | $ | 7,987 |  | $ | 900 |  | $ | — |  | $ | 8,887 |  | $ | 3,601,000 |  | $ | 12,232 |  | $ | 3,622,119 |
Financing Receivable, Troubled Debt Restructuring | The following table sets forth the Company’s TDRs (in thousands). Substantially all of the Company's TDRs are accruing interest.
| September 30, 2021 | December 31, 2020
Commercial and industrial | $ | 430 |  | $ | — |
1-4 Family | 114 |  | 121 |
Hotels | — |  | 2,634 |
Multi-family | 1,823 |  | 1,883 |
Non Residential Non-Owner Occupied | — |  | — |
Non Residential Owner Occupied | — |  | — |
Commercial real estate | 1,937 |  | 4,638 |
Residential real estate | 16,910 |  | 19,226 |
Home equity | 1,822 |  | 2,001 |
Consumer | 221 |  | 277 |
Total | $ | 21,320 |  | $ | 26,142 |
The following table presents loans by class, modified as TDRs, that occurred during the nine months ended September 30, 2021 and 2020, respectively (dollars in thousands):
| September 30, 2021 | September 30, 2020
|  | 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 |  | $ | 430 |  | $ | 430 |  | — |  | $ | — |  | $ | — |
1-4 Family | — |  | — |  | — |  | — |  | — |  | — |
Hotels | — |  | — |  | — |  | — |  | — |  | — |
Multi-family | — |  | — |  | — |  | — |  | — |  | — |
Non Owner Non-Owner Occupied | — |  | — |  | — |  | — |  | — |  | — |
Non Owner Owner Occupied | — |  | — |  | — |  | — |  | — |  | — |
Commercial real estate | — |  | — |  | — |  | — |  | — |  | — |
Residential real estate | 2 |  | 147 |  | 147 |  | 11 |  | 767 |  | 767 |
Home equity | — |  | — |  | — |  | — |  | — |  | — |
Consumer | — |  | — |  | — |  | — |  | — |  | — |
Total | 3 |  | $ | 577 |  | $ | 577 |  | 11 |  | $ | 767 |  | $ | 767 |
Financing Receivable, Credit Quality Indicators | Based on the most recent analysis performed, the risk category of loans by class of loans at September 30, 2021 is as follows (in thousands):
|  |  |  |  |  |  | Revolving |
| Term Loans | Loans |
| Amortized Cost Basis by Origination Year and Risk Level | Amortized |
| 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Cost Basis | Total
Commercial and industrial |  |  |  |  |  |  |  |
Pass | $ | 61,519 |  | $ | 89,038 |  | $ | 44,485 |  | $ | 50,912 |  | $ | 25,374 |  | $ | 10,874 |  | $ | 59,756 |  | $ | 341,958 |
Special mention | 5 |  | 498 |  | 18 |  | — |  | 34 |  | — |  | 3,301 |  | 3,856 |
Substandard | 326 |  | 1,568 |  | 1,647 |  | 771 |  | 500 |  | 1,742 |  | 678 |  | 7,232 |
Total | $ | 61,850 |  | $ | 91,104 |  | $ | 46,150 |  | $ | 51,683 |  | $ | 25,908 |  | $ | 12,616 |  | $ | 63,735 |  | $ | 353,046 |
Commercial real estate - |  |  |  |  |  |  |  |
1-4 Family |  |  |  |  |  |  |  |
Pass | $ | 20,387 |  | $ | 17,710 |  | $ | 11,559 |  | $ | 6,565 |  | $ | 4,532 |  | $ | 30,805 |  | $ | 12,389 |  | $ | 103,947 |
Special mention | — |  | 123 |  | — |  | — |  | — |  | 567 |  | — |  | 690 |
Substandard | — |  | 279 |  | 164 |  | — |  | 731 |  | 3,102 |  | — |  | 4,276 |
Total | $ | 20,387 |  | $ | 18,112 |  | $ | 11,723 |  | $ | 6,565 |  | $ | 5,263 |  | $ | 34,474 |  | $ | 12,389 |  | $ | 108,913 |
Commercial real estate - |  |  |  |  |  |  |  |
Hotels |  |  |  |  |  |  |  |
Pass | $ | 17,312 |  | $ | 16,395 |  | $ | 85,677 |  | $ | 25,949 |  | $ | 41,091 |  | $ | 48,086 |  | $ | 310 |  | $ | 234,820 |
Special mention | 108 |  | — |  | 8,879 |  | — |  | — |  | 8,574 |  | — |  | 17,561 |
Substandard | 447 |  | 140 |  | 15,413 |  | — |  | 6,415 |  | 22,545 |  | — |  | 44,960 |
Total | $ | 17,867 |  | $ | 16,535 |  | $ | 109,969 |  | $ | 25,949 |  | $ | 47,506 |  | $ | 79,205 |  | $ | 310 |  | $ | 297,341 |
Commercial real estate - |  |  |  |  |  |  |  |
Multi-family |  |  |  |  |  |  |  |
Pass | $ | 12,520 |  | $ | 79,365 |  | $ | 54,466 |  | $ | 2,283 |  | $ | 19,969 |  | $ | 44,585 |  | $ | 228 |  | $ | 213,416 |
Special mention | — |  | — |  | 1,823 |  | — |  | — |  | — |  | — |  | 1,823 |
Substandard | — |  | — |  | — |  | — |  | — |  | 68 |  | — |  | 68 |
Total | $ | 12,520 |  | $ | 79,365 |  | $ | 56,289 |  | $ | 2,283 |  | $ | 19,969 |  | $ | 44,653 |  | $ | 228 |  | $ | 215,307 |
|  |  |  |  |  |  | Revolving |
| Term Loans | Loans |
| Amortized Cost Basis by Origination Year and Risk Level | Amortized |
| 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Cost Basis | Total
Commercial real estate - |  |  |  |  |  |  |  |
Non Residential Non-Owner Occupied |  |  |  |  |  |  |
Pass | $ | 118,117 |  | $ | 144,842 |  | $ | 87,077 |  | $ | 105,262 |  | $ | 47,391 |  | $ | 143,752 |  | $ | 9,438 |  | $ | 655,879 |
Special mention | 121 |  | 186 |  | 189 |  | 260 |  | 278 |  | 140 |  | — |  | 1,174 |
Substandard | 897 |  | 21 |  | 1,374 |  | 2,209 |  | 26 |  | 2,785 |  | — |  | 7,312 |
Total | $ | 119,135 |  | $ | 145,049 |  | $ | 88,640 |  | $ | 107,731 |  | $ | 47,695 |  | $ | 146,677 |  | $ | 9,438 |  | $ | 664,365 |
Commercial real estate - |  |  |  |  |  |  |  |
Non Residential Owner Occupied |  |  |  |  |  |  |
Pass | $ | 40,868 |  | $ | 27,610 |  | $ | 22,779 |  | $ | 23,067 |  | $ | 15,657 |  | $ | 42,595 |  | $ | 2,385 |  | $ | 174,961 |
Special mention | — |  | 30 |  | 2,784 |  | 45 |  | 322 |  | 2,322 |  | — |  | 5,503 |
Substandard | 201 |  | 115 |  | 6,169 |  | 656 |  | 6,911 |  | 10,244 |  | 819 |  | 25,115 |
Total | $ | 41,069 |  | $ | 27,755 |  | $ | 31,732 |  | $ | 23,768 |  | $ | 22,890 |  | $ | 55,161 |  | $ | 3,204 |  | $ | 205,579 |
Commercial real estate - |  |  |  |  |  |  |  |
Total |  |  |  |  |  |  |  |
Pass | $ | 209,204 |  | $ | 285,922 |  | $ | 261,558 |  | $ | 163,126 |  | $ | 128,640 |  | $ | 309,823 |  | $ | 24,750 |  | $ | 1,383,023 |
Special mention | 229 |  | 339 |  | 13,675 |  | 305 |  | 600 |  | 11,603 |  | — |  | 26,751 |
Substandard | 1,545 |  | 555 |  | 23,120 |  | 2,865 |  | 14,083 |  | 38,744 |  | 819 |  | 81,731 |
Total | $ | 210,978 |  | $ | 286,816 |  | $ | 298,353 |  | $ | 166,296 |  | $ | 143,323 |  | $ | 360,170 |  | $ | 25,569 |  | $ | 1,491,505 |
Residential real estate |  |  |  |  |  |  |  |
Performing | $ | 253,552 |  | $ | 347,418 |  | $ | 170,373 |  | $ | 120,438 |  | $ | 97,805 |  | $ | 410,803 |  | $ | 102,549 |  | $ | 1,502,938 |
Non-performing | — |  | — |  | 233 |  | 698 |  | 162 |  | 861 |  | 1,680 |  | 3,634 |
Total | $ | 253,552 |  | $ | 347,418 |  | $ | 170,606 |  | $ | 121,136 |  | $ | 97,967 |  | $ | 411,664 |  | $ | 104,229 |  | $ | 1,506,572 |
Home equity |  |  |  |  |  |  |  |
Performing | $ | 6,936 |  | $ | 7,221 |  | $ | 4,226 |  | $ | 3,550 |  | $ | 1,479 |  | $ | 9,040 |  | $ | 92,287 |  | $ | 124,739 |
Non-performing | — |  | — |  | — |  | — |  | — |  | — |  | 67 |  | 67 |
Total | $ | 6,936 |  | $ | 7,221 |  | $ | 4,226 |  | $ | 3,550 |  | $ | 1,479 |  | $ | 9,040 |  | $ | 92,354 |  | $ | 124,806 |
Consumer |  |  |  |  |  |  |  |
Performing | $ | 11,208 |  | $ | 11,091 |  | $ | 9,794 |  | $ | 5,794 |  | $ | 1,671 |  | $ | 2,088 |  | $ | 1,650 |  | $ | 43,296 |
Non-performing | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 11,208 |  | $ | 11,091 |  | $ | 9,794 |  | $ | 5,794 |  | $ | 1,671 |  | $ | 2,088 |  | $ | 1,650 |  | $ | 43,296 |
Based on the most recent analysis performed, the risk category of loans by class of loans at December 31, 2020 is as follows (in thousands):
|  |  |  |  |  |  | Revolving |
| Term Loans | Loans |
| Amortized Cost Basis by Origination Year and Risk Level | Amortized |
| 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Cost Basis | Total
Commercial and industrial |  |  |  |  |  |  |  |
Pass | $ | 123,920 |  | $ | 51,972 |  | $ | 59,152 |  | $ | 30,440 |  | $ | 16,673 |  | $ | 6,942 |  | $ | 75,018 |  | $ | 364,117 |
Special mention | 72 |  | 27 |  | 13 |  | 47 |  | — |  | 433 |  | 508 |  | 1,100 |
Substandard | 783 |  | 1,553 |  | 918 |  | 589 |  | 268 |  | 1,733 |  | 1,928 |  | 7,772 |
Total | $ | 124,775 |  | $ | 53,552 |  | $ | 60,083 |  | $ | 31,076 |  | $ | 16,941 |  | $ | 9,108 |  | $ | 77,454 |  | $ | 372,989 |
Commercial real estate - |  |  |  |  |  |  |  |
1-4 Family |  |  |  |  |  |  |  |
Pass | $ | 19,970 |  | $ | 17,540 |  | $ | 8,217 |  | $ | 7,444 |  | $ | 6,158 |  | $ | 33,075 |  | $ | 10,274 |  | $ | 102,678 |
Special mention | 192 |  | — |  | — |  | — |  | 159 |  | 753 |  | — |  | 1,104 |
Substandard | 119 |  | 343 |  | — |  | 863 |  | 102 |  | 4,603 |  | — |  | 6,030 |
Total | $ | 20,281 |  | $ | 17,883 |  | $ | 8,217 |  | $ | 8,307 |  | $ | 6,419 |  | $ | 38,431 |  | $ | 10,274 |  | $ | 109,812 |
Commercial real estate - |  |  |  |  |  |  |  |
Hotels |  |  |  |  |  |  |  |
Pass | $ | 23,886 |  | $ | 95,269 |  | $ | 26,206 |  | $ | 42,593 |  | $ | 21,490 |  | $ | 43,686 |  | $ | — |  | $ | 253,130 |
Substandard | 343 |  | 15,412 |  | — |  | 6,750 |  | 4,465 |  | 14,364 |  | — |  | 41,334 |
Total | $ | 24,229 |  | $ | 110,681 |  | $ | 26,206 |  | $ | 49,343 |  | $ | 25,955 |  | $ | 58,050 |  | $ | — |  | $ | 294,464 |
Commercial real estate - |  |  |  |  |  |  |  |
Multi-family |  |  |  |  |  |  |  |
Pass | $ | 81,127 |  | $ | 56,371 |  | $ | 2,688 |  | $ | 20,730 |  | $ | 23,873 |  | $ | 27,009 |  | $ | 1,363 |  | $ | 213,161 |
Special mention | — |  | 1,883 |  | 551 |  | — |  | — |  | — |  | — |  | 2,434 |
Substandard | — |  | — |  | — |  | — |  | — |  | 76 |  | — |  | 76 |
Total | $ | 81,127 |  | $ | 58,254 |  | $ | 3,239 |  | $ | 20,730 |  | $ | 23,873 |  | $ | 27,085 |  | $ | 1,363 |  | $ | 215,671 |
|  |  |  |  |  |  | Revolving |
| Term Loans | Loans |
| Amortized Cost Basis by Origination Year and Risk Level | Amortized |
| 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Cost Basis | Total
Commercial real estate - |  |  |  |  |  |  |  |
Non Residential Non-Owner Occupied |  |  |  |  |  |  |
Pass | $ | 155,937 |  | $ | 101,011 |  | $ | 115,524 |  | $ | 51,329 |  | $ | 76,219 |  | $ | 125,349 |  | $ | 8,825 |  | $ | 634,194 |
Special mention | 16 |  | 504 |  | 592 |  | 37 |  | — |  | 147 |  | — |  | 1,296 |
Substandard | 580 |  | 1,385 |  | 1,159 |  | 52 |  | 1,187 |  | 1,338 |  | 160 |  | 5,861 |
Total | $ | 156,533 |  | $ | 102,900 |  | $ | 117,275 |  | $ | 51,418 |  | $ | 77,406 |  | $ | 126,834 |  | $ | 8,985 |  | $ | 641,351 |
Commercial real estate - |  |  |  |  |  |  |  |
Non Residential Owner Occupied |  |  |  |  |  |  |
Pass | $ | 31,443 |  | $ | 26,685 |  | $ | 26,403 |  | $ | 20,582 |  | $ | 20,032 |  | $ | 50,988 |  | $ | 5,098 |  | $ | 181,231 |
Special mention | 234 |  | 2,901 |  | 53 |  | 90 |  | — |  | 2,470 |  | — |  | 5,748 |
Substandard | 117 |  | 5,084 |  | 696 |  | 6,069 |  | 3,820 |  | 10,557 |  | 162 |  | 26,505 |
Total | $ | 31,794 |  | $ | 34,670 |  | $ | 27,152 |  | $ | 26,741 |  | $ | 23,852 |  | $ | 64,015 |  | $ | 5,260 |  | $ | 213,484 |
Commercial real estate - |  |  |  |  |  |  |  |
Total |  |  |  |  |  |  |  |
Pass | $ | 312,363 |  | $ | 296,876 |  | $ | 179,038 |  | $ | 142,678 |  | $ | 147,772 |  | $ | 280,107 |  | $ | 25,560 |  | $ | 1,384,394 |
Special mention | 442 |  | 5,288 |  | 1,196 |  | 127 |  | 159 |  | 3,370 |  | — |  | 10,582 |
Substandard | 1,159 |  | 22,224 |  | 1,855 |  | 13,734 |  | 9,574 |  | 30,938 |  | 322 |  | 79,806 |
Total | $ | 313,964 |  | $ | 324,388 |  | $ | 182,089 |  | $ | 156,539 |  | $ | 157,505 |  | $ | 314,415 |  | $ | 25,882 |  | $ | 1,474,782 |
Residential real estate |  |  |  |  |  |  |  |
Performing | $ | 407,135 |  | $ | 233,709 |  | $ | 176,523 |  | $ | 134,425 |  | $ | 102,828 |  | $ | 416,473 |  | $ | 113,633 |  | $ | 1,584,726 |
Non-performing | — |  | — |  | — |  | 164 |  | 41 |  | 1,184 |  | 1,579 |  | 2,968 |
Total | $ | 407,135 |  | $ | 233,709 |  | $ | 176,523 |  | $ | 134,589 |  | $ | 102,869 |  | $ | 417,657 |  | $ | 115,212 |  | $ | 1,587,694 |
Home equity |  |  |  |  |  |  |  |
Performing | $ | 9,038 |  | $ | 6,241 |  | $ | 5,375 |  | $ | 2,126 |  | $ | 1,309 |  | $ | 11,573 |  | $ | 100,712 |  | $ | 136,374 |
Non-performing | — |  | — |  | — |  | — |  | — |  | — |  | 95 |  | 95 |
Total | $ | 9,038 |  | $ | 6,241 |  | $ | 5,375 |  | $ | 2,126 |  | $ | 1,309 |  | $ | 11,573 |  | $ | 100,807 |  | $ | 136,469 |
Consumer |  |  |  |  |  |  |  |
Performing | $ | 15,342 |  | $ | 14,977 |  | $ | 9,229 |  | $ | 3,154 |  | $ | 1,688 |  | $ | 1,422 |  | $ | 1,876 |  | $ | 47,688 |
Non-performing | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 15,342 |  | $ | 14,977 |  | $ | 9,229 |  | $ | 3,154 |  | $ | 1,688 |  | $ | 1,422 |  | $ | 1,876 |  | $ | 47,688 |

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