XML 53 R37.htm IDEA: XBRL DOCUMENT
v3.22.0.1

Allowance For Loan Losses (Tables) | 12 Months Ended
--- | ---
Dec. 31, 2021
Receivables [Abstract] |
Schedule Of Allowance For Loan Loss By Portfolio Segment | The following table summarizes the activity in the allowance for credit losses, by portfolio loan classification, for the years ended December 31, 2021, 2020 and 2019 (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.
| Beginning Balance | Charge-offs | Recoveries | Impact of adopting CECL | (Recovery of) provision for credit losses | Ending Balance
December 31, 2021 |  |  |  |  |  |
Commercial and industrial | $ | 3,644 |  | $ | (245) |  | $ | 171 |  | $ | — |  | $ | (90) |  | $ | 3,480 |
1-4 Family | 771 |  | (311) |  | 125 |  | — |  | 13 |  | 598 |
Hotels | 4,088 |  | (2,075) |  | — |  | — |  | 413 |  | 2,426 |
Multi-family | 674 |  | — |  | — |  | — |  | (191) |  | 483 |
Non Residential Non-Owner Occupied | 3,223 |  | (1) |  | 45 |  | — |  | (948) |  | 2,319 |
Non Residential Owner Occupied | 2,241 |  | — |  | 54 |  | — |  | (810) |  | 1,485 |
Commercial real estate | 10,997 |  | (2,387) |  | 224 |  | — |  | (1,523) |  | 7,311 |
Residential real estate | 8,093 |  | (265) |  | 127 |  | — |  | (2,239) |  | 5,716 |
Home equity | 630 |  | (177) |  | 90 |  | — |  | (26) |  | 517 |
Consumer | 163 |  | (242) |  | 255 |  | — |  | (70) |  | 106 |
DDA overdrafts | 1,022 |  | (2,151) |  | 1,382 |  | — |  | 783 |  | 1,036 |
| $ | 24,549 |  | $ | (5,467) |  | $ | 2,249 |  | $ | — |  | $ | (3,165) |  | $ | 18,166 |
December 31, 2020 |  |  |  |  |  |
Commercial and industrial | $ | 2,059 |  | $ | (843) |  | $ | 91 |  | $ | 1,715 |  | $ | 622 |  | $ | 3,644 |
1-4 Family | — |  | (188) |  | 316 |  | 886 |  | (243) |  | 771 |
Hotels | 60 |  | (35) |  | 48 |  | 577 |  | 3,438 |  | 4,088 |
Multi-family | 121 |  | — |  | — |  | 343 |  | 210 |  | 674 |
Non Residential Non-Owner Occupied | 1,181 |  | (728) |  | 83 |  | 852 |  | 1,835 |  | 3,223 |
Non Residential Owner Occupied | 1,244 |  | (162) |  | 78 |  | 596 |  | 485 |  | 2,241 |
Commercial real estate | 2,606 |  | (1,113) |  | 525 |  | 3,254 |  | 5,725 |  | 10,997 |
Residential real estate | 3,448 |  | (1,250) |  | 184 |  | 2,139 |  | 3,572 |  | 8,093 |
Home equity | 1,187 |  | (420) |  | 136 |  | (598) |  | 325 |  | 630 |
Consumer | 975 |  | (192) |  | 238 |  | (810) |  | (48) |  | 163 |
DDA Overdrafts | 1,314 |  | (2,345) |  | 1,467 |  | 60 |  | 526 |  | 1,022 |
| $ | 11,589 |  | $ | (6,163) |  | $ | 2,641 |  | $ | 5,760 |  | $ | 10,722 |  | $ | 24,549 |
| Beginning Balance | Charge-offs | Recoveries | (Recovery of) provision for credit losses | Ending Balance
December 31, 2019 |  |  |  |  |
Commercial and industrial | 4,060 |  | (261) |  | 764 |  | (2,504) |  | 2,059 |
Commercial real estate | 4,495 |  | (1,358) |  | 624 |  | (1,155) |  | 2,606 |
Residential real estate | 4,116 |  | (787) |  | 369 |  | (250) |  | 3,448 |
Home equity | 1,268 |  | (294) |  | — |  | 213 |  | 1,187 |
Consumer | 319 |  | (1,177) |  | 265 |  | 1,568 |  | 975 |
DDA Overdrafts | 1,708 |  | (2,777) |  | 1,505 |  | 878 |  | 1,314 |
| $ | 15,966 |  | $ | (6,654) |  | $ | 3,527 |  | $ | (1,250) |  | $ | 11,589 |
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 December 31, 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 | $ | — |  | $ | 996 |  | $ | 43 |
1-4 Family | — |  | 1,016 |  | — |
Hotels | — |  | 113 |  | — |
Multi-family | — |  | — |  | — |
Non Residential Non-Owner Occupied | — |  | 652 |  | — |
Non Residential Owner Occupied | — |  | 592 |  | — |
Commercial Real Estate | — |  | 2,373 |  | — |
Residential Real Estate | 63 |  | 2,746 |  | — |
Home Equity | — |  | 40 |  | — |
Consumer | — |  | — |  | — |
Total | $ | 63 |  | $ | 6,155 |  | $ | 43 |
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 |  | $ | — |
Schedule Of Aging Analysis Of Accruing And Non-Accruing Loans | The following presents the aging of the amortized cost basis in past-due loans as of December 31, 2021 and 2020 by class of loan (in thousands):
| December 31, 2021
| 30-59 Past Due | 60-89 Past Due | 90+ Past Due | Total Past Due | Current Loans | Non-accrual | Total Loans
Commercial and industrial | $ | 116 |  | $ | 177 |  | $ | 43 |  | $ | 336 |  | $ | 344,852 |  | $ | 996 |  | $ | 346,184 |
1-4 Family | 21 |  | — |  | — |  | 21 |  | 106,836 |  | 1,016 |  | 107,873 |
Hotels | — |  | — |  | — |  | — |  | 311,202 |  | 113 |  | 311,315 |
Multi-family | — |  | — |  | — |  | — |  | 215,677 |  | — |  | 215,677 |
Non Residential Non-Owner Occupied | — |  | — |  | — |  | — |  | 639,166 |  | 652 |  | 639,818 |
Non Residential Owner Occupied | — |  | — |  | — |  | — |  | 203,641 |  | 592 |  | 204,233 |
Commercial real estate | 21 |  | — |  | — |  | 21 |  | 1,476,522 |  | 2,373 |  | 1,478,916 |
Residential real estate | 5,166 |  | 156 |  | — |  | 5,322 |  | 1,540,834 |  | 2,809 |  | 1,548,965 |
Home equity | 592 |  | 26 |  | — |  | 618 |  | 121,687 |  | 40 |  | 122,345 |
Consumer | 59 |  | 1 |  | — |  | 60 |  | 40,841 |  | — |  | 40,901 |
Overdrafts | 485 |  | 4 |  | — |  | 489 |  | 6,014 |  | — |  | 6,503 |
Total | $ | 6,439 |  | $ | 364 |  | $ | 43 |  | $ | 6,846 |  | $ | 3,530,750 |  | $ | 6,218 |  | $ | 3,543,814 |
| December 31, 2020
| 30-59 Past Due | 60-89 Past Due | 90+ Past Due | Total Past Due | Current Loans | Non-accrual | Total 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 |
Schedule Of Impaired Loans | The following table presents the amortized cost basis of individually evaluated impaired collateral-dependent loans as of December 31, 2021 (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.
| December 31, 2021 | December 31, 2020
| Secured by | Secured by
| Real Estate | Equipment | Real Estate | Equipment
Commercial and industrial | $ | — |  | $ | — |  | $ | 173 |  | $ | — |
1-4 Family | — |  | — |  | — |  | — |
Hotels | — |  | — |  | 2,837 |  | — |
Multi-family | — |  | — |  | — |  | — |
Non Residential Non-Owner Occupied | — |  | — |  | — |  | — |
Non Residential Owner Occupied | — |  | — |  | 2,296 |  | — |
Commercial real estate | — |  | — |  | 5,133 |  | — |
Total | $ | — |  | $ | — |  | $ | 5,306 |  | $ | — |
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 year ended December 31, 2019.
| December 31, 2019
| Average | Interest
| Recorded | Income
| Investment | Recognized
With no related allowance recorded: |  |
Commercial and industrial | $ | 578 |  | $ | — |
Commercial real estate | 4,388 |  | 41 |
Total | $ | 4,966 |  | $ | 41 |
With an allowance recorded: |  |
Commercial and industrial | $ | — |  | $ | — |
Commercial real estate | 4,261 |  | 162 |
Total | $ | 4,261 |  | $ | 162 |
There were no significant commitments to provide additional funds on non-accrual or impaired loans at December 31, 2021.
Schedule Of Troubled Debt Restructurings | The following tables set forth the Company’s TDRs (in thousands):
| December 31, 2021 | December 31, 2020
Commercial and industrial | $ | 414 |  | $ | — |
1-4 Family | 112 |  | 121 |
Hotels | — |  | 2,634 |
Multi-family | 1,802 |  | 1,883 |
Non Residential Non-Owner Occupied | — |  | — |
Non Residential Owner Occupied | — |  | — |
Commercial real estate | 1,914 |  | 4,638 |
Residential real estate | 16,943 |  | 19,226 |
Home equity | 1,784 |  | 2,001 |
Consumer | 225 |  | 277 |
Total TDRs | $ | 21,280 |  | $ | 26,142 |
The Company has allocated $0.3 million and $1.6 million of the allowance for credit losses for these loans as of December 31, 2021 and December 31, 2020, respectively. As of December 31, 2021, the Company has not committed to lend any additional in relation to these loans. The Company had one TDR that had defaulted and had a partial charge-off of $2.1 million during 2021. The Company had no significant TDRs that subsequently defaulted in 2020. The Company had one TDR that subsequently defaulted in 2019. The loan balance was approximately $3.0 million and the subsequent default resulted in a charge-off of $0.7 million and the remaining balance was transferred to OREO during 2019. Most TDRs are reported due to filing Chapter 7 bankruptcy. Regulatory guidance requires that loans be accounted for as collateral-dependent loans when borrowers have filed Chapter 7 bankruptcy, the debt has been discharged by the bankruptcy court and the borrower has not reaffirmed the debt. The filing of bankruptcy is deemed to be evidence that the borrower is in financial difficulty and the discharge of debt by the bankruptcy court is deemed to be a concession granted to the borrower. The following table presents loans by class, modified as TDRs, that occurred during the years ended December 31, 2021, 2020 and 2019, respectively (dollars in thousands):
| New TDRs | New TDRs | New TDRs
| For the year ended | For the year ended | For the year ended
| December 31, 2021 | December 31, 2020 | December 31, 2019
| Pre | Post |  | Pre | Post |  | Pre | Post
| Modification | Modification |  | Modification | Modification |  | Modification | Modification
| Outstanding | Outstanding |  | Outstanding | Outstanding |  | Outstanding | Outstanding
Number of | Recorded | Recorded | Number of | Recorded | Recorded | Number of | Recorded | Recorded
Contracts | Investment | Investment | Contracts | Investment | Investment | Contracts | Investment | Investment
Commercial and industrial | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |  | — |  | $ | — |  | $ | — |
1-4 Family | — |  | — |  | — |  | — |  | — |  | — |  | N/R | N/R | N/R
Hotels | — |  | — |  | — |  | — |  | — |  | — |  | N/R | N/R | N/R
Multi-family | — |  | — |  | — |  | — |  | — |  | — |  | N/R | N/R | N/R
Non Owner Non- Owner Occupied | — |  | — |  | — |  | — |  | — |  | — |  | N/R | N/R | N/R
Non Owner Owner Occupied | — |  | — |  | — |  | — |  | — |  | — |  | N/R | N/R | N/R
Commercial real estate | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Residential real estate | 3 |  | 425 |  | 425 |  | 29 |  | 2,724 |  | 2,720 |  | 31 |  | 2,531 |  | 2,531 |
Home equity | 2 |  | 45 |  | 45 |  | 3 |  | 94 |  | 94 |  | 10 |  | 967 |  | 967 |
Consumer | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | 5 |  | $ | 470 |  | $ | 470 |  | 32 |  | $ | 2,818 |  | $ | 2,814 |  | 41 |  | $ | 3,498 |  | $ | 3,498 |
N/R = Not reported. Results for reporting periods beginning after January 1, 2020 are presented under ASC 326, while prior period amounts continue to be reported in accordance with previously applicable GAAP.
Schedule Of Credit Quality Indicators | Based on the most recent analysis performed, the risk category of loans by class of loans at December 31, 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 | $ | 87,148 |  | $ | 82,946 |  | $ | 41,908 |  | $ | 27,355 |  | $ | 23,895 |  | $ | 6,755 |  | $ | 65,775 |  | $ | 335,782 |
Special mention | 3 |  | 480 |  | 17 |  | — |  | 21 |  | — |  | 3,324 |  | 3,845 |
Substandard | 319 |  | 1,531 |  | 1,574 |  | 510 |  | 395 |  | 1,550 |  | 678 |  | 6,557 |
Total | $ | 87,470 |  | $ | 84,957 |  | $ | 43,499 |  | $ | 27,865 |  | $ | 24,311 |  | $ | 8,305 |  | $ | 69,777 |  | $ | 346,184 |
Commercial real estate - |  |  |  |  |  |  |  |
1-4 Family |  |  |  |  |  |  |  |
Pass | $ | 26,425 |  | $ | 16,163 |  | $ | 10,659 |  | $ | 6,208 |  | $ | 4,250 |  | $ | 28,734 |  | $ | 10,877 |  | $ | 103,316 |
Special mention | — |  | 122 |  | — |  | — |  | — |  | 718 |  | — |  | 840 |
Substandard | — |  | 276 |  | 158 |  | — |  | 722 |  | 2,561 |  | — |  | 3,717 |
Total | $ | 26,425 |  | $ | 16,561 |  | $ | 10,817 |  | $ | 6,208 |  | $ | 4,972 |  | $ | 32,013 |  | $ | 10,877 |  | $ | 107,873 |
Commercial real estate - |  |  |  |  |  |  |  |
Hotels |  |  |  |  |  |  |  |
Pass | $ | 38,197 |  | $ | 16,183 |  | $ | 64,107 |  | $ | 21,222 |  | $ | 41,526 |  | $ | 55,895 |  | $ | 279 |  | $ | 237,409 |
Special mention | 103 |  | — |  | 29,914 |  | — |  | — |  | — |  | — |  | 30,017 |
Substandard | 398 |  | 140 |  | 15,413 |  | — |  | 5,601 |  | 22,337 |  | — |  | 43,889 |
Total | $ | 38,698 |  | $ | 16,323 |  | $ | 109,434 |  | $ | 21,222 |  | $ | 47,127 |  | $ | 78,232 |  | $ | 279 |  | $ | 311,315 |
Commercial real estate - |  |  |  |  |  |  |  |
Multi-family |  |  |  |  |  |  |  |
Pass | $ | 20,434 |  | $ | 78,837 |  | $ | 53,033 |  | $ | 2,264 |  | $ | 19,783 |  | $ | 38,918 |  | $ | 540 |  | $ | 213,809 |
Special mention | — |  | — |  | 1,802 |  | — |  | — |  | — |  | — |  | 1,802 |
Substandard | — |  | — |  | — |  | — |  | — |  | 66 |  | — |  | 66 |
Total | $ | 20,434 |  | $ | 78,837 |  | $ | 54,835 |  | $ | 2,264 |  | $ | 19,783 |  | $ | 38,984 |  | $ | 540 |  | $ | 215,677 |
|  |  |  |  |  |  | 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 | $ | 144,927 |  | $ | 135,423 |  | $ | 85,296 |  | $ | 99,618 |  | $ | 33,770 |  | $ | 130,342 |  | $ | 2,655 |  | $ | 632,031 |
Special mention | 119 |  | 183 |  | 186 |  | 257 |  | — |  | 138 |  | — |  | 883 |
Substandard | 640 |  | 16 |  | 1,365 |  | 2,134 |  | 22 |  | 2,727 |  | — |  | 6,904 |
Total | $ | 145,686 |  | $ | 135,622 |  | $ | 86,847 |  | $ | 102,009 |  | $ | 33,792 |  | $ | 133,207 |  | $ | 2,655 |  | $ | 639,818 |
Commercial real estate - |  |  |  |  |  |  |  |
Non Residential Owner Occupied |  |  |  |  |  |  |
Pass | $ | 46,445 |  | $ | 28,535 |  | $ | 25,647 |  | $ | 22,197 |  | $ | 15,296 |  | $ | 37,806 |  | $ | 2,509 |  | $ | 178,435 |
Special mention | — |  | 30 |  | 2,744 |  | 42 |  | 319 |  | 2,294 |  | — |  | 5,429 |
Substandard | 199 |  | 114 |  | 2,372 |  | 634 |  | 6,677 |  | 9,503 |  | 870 |  | 20,369 |
Total | $ | 46,644 |  | $ | 28,679 |  | $ | 30,763 |  | $ | 22,873 |  | $ | 22,292 |  | $ | 49,603 |  | $ | 3,379 |  | $ | 204,233 |
Commercial real estate - |  |  |  |  |  |  |  |
Total |  |  |  |  |  |  |  |
Pass | $ | 276,429 |  | $ | 275,141 |  | $ | 238,742 |  | $ | 151,509 |  | $ | 114,626 |  | $ | 291,696 |  | $ | 16,860 |  | $ | 1,365,003 |
Special mention | 222 |  | 334 |  | 34,647 |  | 299 |  | 319 |  | 3,151 |  | — |  | 38,972 |
Substandard | 1,238 |  | 546 |  | 19,308 |  | 2,769 |  | 13,023 |  | 37,191 |  | 866 |  | 74,941 |
Total | $ | 277,889 |  | $ | 276,021 |  | $ | 292,697 |  | $ | 154,577 |  | $ | 127,968 |  | $ | 332,038 |  | $ | 17,726 |  | $ | 1,478,916 |
Residential real estate |  |  |  |  |  |  |  |
Performing | $ | 375,465 |  | $ | 326,107 |  | $ | 155,829 |  | $ | 110,551 |  | $ | 87,870 |  | $ | 389,519 |  | $ | 100,815 |  | $ | 1,546,156 |
Non-performing | — |  | — |  | 232 |  | 29 |  | 120 |  | 692 |  | 1,736 |  | 2,809 |
Total | $ | 375,465 |  | $ | 326,107 |  | $ | 156,061 |  | $ | 110,580 |  | $ | 87,990 |  | $ | 390,211 |  | $ | 102,551 |  | $ | 1,548,965 |
Home equity |  |  |  |  |  |  |  |
Performing | $ | 9,008 |  | $ | 6,474 |  | $ | 3,582 |  | $ | 2,949 |  | $ | 1,431 |  | $ | 8,176 |  | $ | 90,685 |  | $ | 122,305 |
Non-performing | — |  | — |  | — |  | — |  | — |  | — |  | 40 |  | 40 |
Total | $ | 9,008 |  | $ | 6,474 |  | $ | 3,582 |  | $ | 2,949 |  | $ | 1,431 |  | $ | 8,176 |  | $ | 90,725 |  | $ | 122,345 |
Consumer |  |  |  |  |  |  |  |
Performing | $ | 13,584 |  | $ | 9,545 |  | $ | 8,313 |  | $ | 4,920 |  | $ | 1,324 |  | $ | 1,624 |  | $ | 1,591 |  | $ | 40,901 |
Non-performing | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total | $ | 13,584 |  | $ | 9,545 |  | $ | 8,313 |  | $ | 4,920 |  | $ | 1,324 |  | $ | 1,624 |  | $ | 1,591 |  | $ | 40,901 |
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 |

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=123577603&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=124267575&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable on nonaccrual status. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=123577603&loc=d3e5111-111524 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 16 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919258-210447 + Details
Name: | us-gaap_ScheduleOfFinancingReceivablesNonAccrualStatusTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524 + Details
Name: | us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration