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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 6 Months Ended
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Jun. 30, 2020
Loans and Leases Receivable Disclosure [Abstract] |
Composition of Loan Portfolio, Excluding Residential Loans Held for Sale | The composition of the Company’s loan portfolio, excluding residential loans held for sale, was as follows for the dates indicated:
(In thousands) |  | June 30, 2020 |  | December 31, 2019
Commercial real estate |  | $ | 1,310,985 |  |  | $ | 1,243,397 |
Commercial |  | 411,225 |  |  | 421,108 |
SBA PPP |  | 218,803 |  |  | — |
HPFC |  | 16,961 |  |  | 21,593 |
Residential real estate |  | 1,054,333 |  |  | 1,070,374 |
Home equity |  | 290,815 |  |  | 312,779 |
Consumer |  | 22,919 |  |  | 25,772 |
Total loans |  | $ | 3,326,041 |  |  | $ | 3,095,023 |
Schedule of Loan Balances by Portfolio Segment | The loan balances for each portfolio segment presented above are net of their respective unamortized fair value mark discount on acquired loans and net of unamortized loan origination costs for the dates indicated:
(In thousands) |  | June 30, 2020 |  | December 31, 2019
Net unamortized fair value mark discount on acquired loans |  | $ | (1,970 | ) |  | $ | (2,593 | )
Net unamortized loan (fees) origination costs(1) |  | (4,045 | ) |  | 3,111 |
Total |  | $ | (6,015 | ) |  | $ | 518 |
(1) The change in net unamortized loan (fees) origination costs from December 31, 2019 to June 30, 2020, was primarily driven by origination fees capitalized upon origination of SBA PPP loans during the second quarter of 2020. As of June 30, 2020, unamortized loan fees on originated SBA PPP loans were $7.0 million.
Summary of Activity in Allowance for Loan Losses | The following presents the activity in the ALL and select loan information by portfolio segment for the periods indicated:
(In thousands) |  | Commercial Real Estate |  | Commercial |  | SBA PPP |  | HPFC |  | Residential Real Estate |  | Home Equity |  | Consumer |  | Total
At or For The Three Months Ended June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALL for the three months ended: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 13,374 |  |  | $ | 4,114 |  |  | $ | — |  |  | $ | 183 |  |  | $ | 5,897 |  |  | $ | 2,480 |  |  | $ | 473 |  |  | $ | 26,521 |
Loans charged off |  | (21 | ) |  | (420 | ) |  | — |  |  | — |  |  | — |  |  | (17 | ) |  | (26 | ) |  | (484 | )
Recoveries |  | 3 |  |  | 63 |  |  | — |  |  | — |  |  | 21 |  |  | — |  |  | 15 |  |  | 102 |
Provision (credit)(1) |  | 5,030 |  |  | 922 |  |  | 113 |  |  | (13 | ) |  | 2,685 |  |  | 621 |  |  | 42 |  |  | 9,400 |
Ending balance |  | $ | 18,386 |  |  | $ | 4,679 |  |  | $ | 113 |  |  | $ | 170 |  |  | $ | 8,603 |  |  | $ | 3,084 |  |  | $ | 504 |  |  | $ | 35,539 |
ALL for the six months ended: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 12,414 |  |  | $ | 3,769 |  |  | $ | — |  |  | $ | 216 |  |  | $ | 5,842 |  |  | $ | 2,423 |  |  | $ | 507 |  |  | $ | 25,171 |
Loans charged off |  | (71 | ) |  | (673 | ) |  | — |  |  | — |  |  | (96 | ) |  | (51 | ) |  | (83 | ) |  | (974 | )
Recoveries |  | 7 |  |  | 116 |  |  | — |  |  | — |  |  | 23 |  |  | 4 |  |  | 20 |  |  | 170 |
Provision (credit)(1) |  | 6,036 |  |  | 1,467 |  |  | 113 |  |  | (46 | ) |  | 2,834 |  |  | 708 |  |  | 60 |  |  | 11,172 |
Ending balance |  | $ | 18,386 |  |  | $ | 4,679 |  |  | $ | 113 |  |  | $ | 170 |  |  | $ | 8,603 |  |  | $ | 3,084 |  |  | $ | 504 |  |  | $ | 35,539 |
ALL balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 35 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 338 |  |  | $ | 89 |  |  | $ | — |  |  | $ | 462 |
Collectively evaluated for impairment |  | 18,351 |  |  | 4,679 |  |  | 113 |  |  | 170 |  |  | 8,265 |  |  | 2,995 |  |  | 504 |  |  | 35,077 |
Total ending ALL |  | $ | 18,386 |  |  | $ | 4,679 |  |  | $ | 113 |  |  | $ | 170 |  |  | $ | 8,603 |  |  | $ | 3,084 |  |  | $ | 504 |  |  | $ | 35,539 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 461 |  |  | $ | 179 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,153 |  |  | $ | 370 |  |  | $ | — |  |  | $ | 4,163 |
Collectively evaluated for impairment |  | 1,310,524 |  |  | 411,046 |  |  | 218,803 |  |  | 16,961 |  |  | 1,051,180 |  |  | 290,445 |  |  | 22,919 |  |  | 3,321,878 |
Total ending loans balance |  | $ | 1,310,985 |  |  | $ | 411,225 |  |  | $ | 218,803 |  |  | $ | 16,961 |  |  | $ | 1,054,333 |  |  | $ | 290,815 |  |  | $ | 22,919 |  |  | $ | 3,326,041 |
At or For The Three Months Ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALL for the three months ended: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 11,838 |  |  | $ | 3,616 |  |  | $ | — |  |  | $ | 308 |  |  | $ | 6,153 |  |  | $ | 3,027 |  |  | $ | 259 |  |  | $ | 25,201 |
Loans charged off |  | — |  |  | (217 | ) |  | — |  |  | — |  |  | (14 | ) |  | (34 | ) |  | (6 | ) |  | (271 | )
Recoveries |  | 3 |  |  | 49 |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 4 |  |  | 58 |
Provision (credit)(1) |  | 311 |  |  | 659 |  |  | — |  |  | (28 | ) |  | 108 |  |  | (1 | ) |  | 126 |  |  | 1,175 |
Ending balance |  | $ | 12,152 |  |  | $ | 4,107 |  |  | $ | — |  |  | $ | 280 |  |  | $ | 6,249 |  |  | $ | 2,992 |  |  | $ | 383 |  |  | $ | 26,163 |
ALL for the six months ended: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 11,654 |  |  | $ | 3,620 |  |  | $ | — |  |  | $ | 337 |  |  | $ | 6,071 |  |  | $ | 2,796 |  |  | $ | 234 |  |  | $ | 24,712 |
Loans charged off |  | (65 | ) |  | (453 | ) |  | — |  |  | — |  |  | (25 | ) |  | (44 | ) |  | (20 | ) |  | (607 | )
Recoveries |  | 7 |  |  | 111 |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 11 |  |  | 133 |
Provision (credit)(1) |  | 556 |  |  | 829 |  |  | — |  |  | (57 | ) |  | 199 |  |  | 240 |  |  | 158 |  |  | 1,925 |
Ending balance |  | $ | 12,152 |  |  | $ | 4,107 |  |  | $ | — |  |  | $ | 280 |  |  | $ | 6,249 |  |  | $ | 2,992 |  |  | $ | 383 |  |  | $ | 26,163 |
ALL balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 27 |  |  | $ | 322 |  |  | $ | — |  |  | $ | — |  |  | $ | 524 |  |  | $ | 310 |  |  | $ | — |  |  | $ | 1,183 |
Collectively evaluated for impairment |  | 12,125 |  |  | 3,785 |  |  | — |  |  | 280 |  |  | 5,725 |  |  | 2,682 |  |  | 383 |  |  | 24,980 |
Total ending ALL |  | $ | 12,152 |  |  | $ | 4,107 |  |  | $ | — |  |  | $ | 280 |  |  | $ | 6,249 |  |  | $ | 2,992 |  |  | $ | 383 |  |  | $ | 26,163 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 409 |  |  | $ | 675 |  |  | $ | — |  |  | $ | — |  |  | $ | 4,472 |  |  | $ | 887 |  |  | $ | — |  |  | $ | 6,443 |
Collectively evaluated for impairment |  | 1,260,230 |  |  | 428,001 |  |  | — |  |  | 28,016 |  |  | 1,031,320 |  |  | 322,649 |  |  | 23,665 |  |  | 3,093,881 |
Total ending loans balance |  | $ | 1,260,639 |  |  | $ | 428,676 |  |  | $ | — |  |  | $ | 28,016 |  |  | $ | 1,035,792 |  |  | $ | 323,536 |  |  | $ | 23,665 |  |  | $ | 3,100,324 |
(In thousands) |  | Commercial Real Estate |  | Commercial |  | SBA PPP |  | HPFC |  | Residential Real Estate |  | Home Equity |  | Consumer |  | Total
At or For The Year Ended December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 11,654 |  |  | $ | 3,620 |  |  | $ | — |  |  | $ | 337 |  |  | $ | 6,071 |  |  | $ | 2,796 |  |  | $ | 234 |  |  | $ | 24,712 |
Loans charged off |  | (300 | ) |  | (1,167 | ) |  | — |  |  | (71 | ) |  | (462 | ) |  | (412 | ) |  | (301 | ) |  | (2,713 | )
Recoveries |  | 49 |  |  | 225 |  |  | — |  |  | — |  |  | 16 |  |  | 1 |  |  | 19 |  |  | 310 |
Provision (credit)(1) |  | 1,011 |  |  | 1,091 |  |  | — |  |  | (50 | ) |  | 217 |  |  | 38 |  |  | 555 |  |  | 2,862 |
Ending balance |  | $ | 12,414 |  |  | $ | 3,769 |  |  | $ | — |  |  | $ | 216 |  |  | $ | 5,842 |  |  | $ | 2,423 |  |  | $ | 507 |  |  | $ | 25,171 |
ALL balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 30 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 364 |  |  | $ | 69 |  |  | $ | — |  |  | $ | 463 |
Collectively evaluated for impairment |  | 12,384 |  |  | 3,769 |  |  | — |  |  | 216 |  |  | 5,478 |  |  | 2,354 |  |  | 507 |  |  | 24,708 |
Total ending ALL |  | $ | 12,414 |  |  | $ | 3,769 |  |  | $ | — |  |  | $ | 216 |  |  | $ | 5,842 |  |  | $ | 2,423 |  |  | $ | 507 |  |  | $ | 25,171 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 402 |  |  | $ | 319 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,384 |  |  | $ | 373 |  |  | $ | — |  |  | $ | 4,478 |
Collectively evaluated for impairment |  | 1,242,995 |  |  | 420,789 |  |  | — |  |  | 21,593 |  |  | 1,066,990 |  |  | 312,406 |  |  | 25,772 |  |  | 3,090,545 |
Total ending loans balance |  | $ | 1,243,397 |  |  | $ | 421,108 |  |  | $ | — |  |  | $ | 21,593 |  |  | $ | 1,070,374 |  |  | $ | 312,779 |  |  | $ | 25,772 |  |  | $ | 3,095,023 |
(1) The provision (credit) for loan losses excludes any impact for the change in the reserve for unfunded commitments, which represents management's estimate of the amount required to reflect the probable inherent losses on outstanding letters of credit and unused lines of credit. The reserve for unfunded commitments is presented within accrued interest and other liabilities on the consolidated statements of condition. At June 30, 2020 and 2019, and December 31, 2019, the reserve for unfunded commitments was $22,000, $14,000 and $21,000, respectively.
Schedule of Provision for Credit Losses | The following reconciles the provision for loan losses to the provision for credit losses as presented on the consolidated statements of income for the periods indicated:
|  | Three Months Ended June 30, |  | Six Months Ended June 30, |  | Year Ended December 31, 2019
(In thousands) |  | 2020 |  | 2019 |  | 2020 |  | 2019 |
Provision for loan losses |  | $ | 9,400 |  |  | $ | 1,175 |  |  | $ | 11,172 |  |  | $ | 1,925 |  |  | $ | 2,862 |
Change in reserve for unfunded commitments |  | (2 | ) |  | (2 | ) |  | 1 |  |  | (8 | ) |  | (1 | )
Provision for credit losses |  | $ | 9,398 |  |  | $ | 1,173 |  |  | $ | 11,173 |  |  | $ | 1,917 |  |  | $ | 2,861 |
Credit Risk Exposure Indicators by Portfolio Segment | The following summarizes credit risk exposure indicators by portfolio segment as of the following dates:
(In thousands) |  | Commercial Real Estate |  | Commercial |  | SBA PPP |  | HPFC |  | Residential Real Estate |  | Home Equity |  | Consumer |  | Total
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 1,260,532 |  |  | $ | 406,475 |  |  | $ | 218,803 |  |  | $ | 16,111 |  |  | $ | 1,046,718 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,948,639 |
Performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 288,451 |  |  | 22,914 |  |  | 311,365 |
Special Mention (Grade 7) |  | 15,711 |  |  | 1,154 |  |  | — |  |  | — |  |  | 409 |  |  | — |  |  | — |  |  | 17,274 |
Substandard (Grade 8) |  | 34,742 |  |  | 3,596 |  |  | — |  |  | 850 |  |  | 7,206 |  |  | — |  |  | — |  |  | 46,394 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,364 |  |  | 5 |  |  | 2,369 |
Total |  | $ | 1,310,985 |  |  | $ | 411,225 |  |  | $ | 218,803 |  |  | $ | 16,961 |  |  | $ | 1,054,333 |  |  | $ | 290,815 |  |  | $ | 22,919 |  |  | $ | 3,326,041 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 1,196,683 |  |  | $ | 415,870 |  |  | $ | — |  |  | $ | 20,667 |  |  | $ | 1,062,825 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,696,045 |
Performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 310,653 |  |  | 25,748 |  |  | 336,401 |
Special Mention (Grade 7) |  | 31,753 |  |  | 2,544 |  |  | — |  |  | 89 |  |  | 473 |  |  | — |  |  | — |  |  | 34,859 |
Substandard (Grade 8) |  | 14,961 |  |  | 2,694 |  |  | — |  |  | 837 |  |  | 7,076 |  |  | — |  |  | — |  |  | 25,568 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,126 |  |  | 24 |  |  | 2,150 |
Total |  | $ | 1,243,397 |  |  | $ | 421,108 |  |  | $ | — |  |  | $ | 21,593 |  |  | $ | 1,070,374 |  |  | $ | 312,779 |  |  | $ | 25,772 |  |  | $ | 3,095,023 |
Loan Aging Analysis by Portfolio Segment | The following is a loan aging analysis by portfolio segment (including loans past due over 90 days and non-accrual loans) and a summary of non-accrual loans, which include TDRs, and loans past due over 90 days and accruing as of the following dates:
(In thousands) |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or Greater Past Due |  | Total Past Due |  | Current |  | Total Loans Outstanding |  | Loans > 90 Days Past Due and Accruing |  | Non-Accrual Loans
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 117 |  |  | $ | 1,509 |  |  | $ | 221 |  |  | $ | 1,847 |  |  | $ | 1,309,138 |  |  | $ | 1,310,985 |  |  | $ | — |  |  | $ | 432 |
Commercial |  | 4 |  |  | 91 |  |  | 657 |  |  | 752 |  |  | 410,473 |  |  | 411,225 |  |  | — |  |  | 699 |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | 218,803 |  |  | 218,803 |  |  | — |  |  | — |
HPFC |  | 127 |  |  | 1 |  |  | 321 |  |  | 449 |  |  | 16,512 |  |  | 16,961 |  |  | — |  |  | 392 |
Residential real estate |  | 2,765 |  |  | 1,483 |  |  | 3,431 |  |  | 7,679 |  |  | 1,046,654 |  |  | 1,054,333 |  |  | — |  |  | 4,664 |
Home equity |  | 230 |  |  | 171 |  |  | 2,051 |  |  | 2,452 |  |  | 288,363 |  |  | 290,815 |  |  | — |  |  | 2,366 |
Consumer |  | 49 |  |  | 71 |  |  | 5 |  |  | 125 |  |  | 22,794 |  |  | 22,919 |  |  | — |  |  | 5 |
Total |  | $ | 3,292 |  |  | $ | 3,326 |  |  | $ | 6,686 |  |  | $ | 13,304 |  |  | $ | 3,312,737 |  |  | $ | 3,326,041 |  |  | $ | — |  |  | $ | 8,558 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 267 |  |  | $ | 1,720 |  |  | $ | 544 |  |  | $ | 2,531 |  |  | $ | 1,240,866 |  |  | $ | 1,243,397 |  |  | $ | — |  |  | $ | 1,122 |
Commercial |  | 548 |  |  | — |  |  | 417 |  |  | 965 |  |  | 420,143 |  |  | 421,108 |  |  | — |  |  | 420 |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HPFC |  | — |  |  | 243 |  |  | 288 |  |  | 531 |  |  | 21,062 |  |  | 21,593 |  |  | — |  |  | 364 |
Residential real estate |  | 2,297 |  |  | 627 |  |  | 2,598 |  |  | 5,522 |  |  | 1,064,852 |  |  | 1,070,374 |  |  | — |  |  | 4,096 |
Home equity |  | 681 |  |  | 238 |  |  | 1,459 |  |  | 2,378 |  |  | 310,401 |  |  | 312,779 |  |  | — |  |  | 2,130 |
Consumer |  | 108 |  |  | 31 |  |  | 23 |  |  | 162 |  |  | 25,610 |  |  | 25,772 |  |  | — |  |  | 24 |
Total |  | $ | 3,901 |  |  | $ | 2,859 |  |  | $ | 5,329 |  |  | $ | 12,089 |  |  | $ | 3,082,934 |  |  | $ | 3,095,023 |  |  | $ | — |  |  | $ | 8,156 |
Troubled Debt Restructuring and Specific Reserve Related to TDRs | The following is a summary of TDRs, by portfolio segment, and the associated specific reserve included within the ALL for the dates indicated:
|  | Number of Contracts |  | Recorded Investment |  | Specific Reserve
(In thousands, except number of contracts) |  | June 30, 2020 |  | December 31, 2019 |  | June 30, 2020 |  | December 31, 2019 |  | June 30, 2020 |  | December 31, 2019
Residential real estate |  | 21 |  |  | 22 |  |  | $ | 2,683 |  |  | $ | 2,869 |  |  | $ | 338 |  |  | $ | 364 |
Commercial real estate |  | 2 |  |  | 2 |  |  | 335 |  |  | 338 |  |  | 35 |  |  | 30 |
Commercial |  | 2 |  |  | 2 |  |  | 114 |  |  | 123 |  |  | — |  |  | — |
Consumer and home equity |  | 1 |  |  | 1 |  |  | 299 |  |  | 299 |  |  | 89 |  |  | 69 |
Total |  | 26 |  |  | 27 |  |  | $ | 3,431 |  |  | $ | 3,629 |  |  | $ | 462 |  |  | $ | 463 |
Temporary Loan Modifications | The Company's loans impacted by the COVID-19 pandemic and operating under temporary loan modifications, including both (i) the original COVID-related loan modification or (ii) a second COVID-related loan modification, upon expiration of the original COVID-related loan modification, were as follows for the dates indicated:
|  | June 30, 2020 |  | July 23, 2020
(In thousands, except number of units) |  | Units |  | Recorded Investment |  | Units |  | Recorded Investment
Original Loan Modification: |  |  |  |  |  |  |  |
Commercial |  | 992 |  |  | $ | 410,298 |  |  | 544 |  |  | $ | 242,272 |
Retail |  | 489 |  |  | 101,373 |  |  | 188 |  |  | 40,627 |
Total |  | 1,481 |  |  | 511,671 |  |  | 732 |  |  | 282,899 |
Second Loan Modification: |  |  |  |  |  |  |  |
Commercial |  | 31 |  |  | 5,308 |  |  | 57 |  |  | 15,041 |
Retail |  | 251 |  |  | 29,743 |  |  | 412 |  |  | 53,039 |
Total |  | 282 |  |  | 35,051 |  |  | 469 |  |  | 68,080 |
Total |  | 1,763 |  |  | $ | 546,722 |  |  | 1,201 |  |  | $ | 350,979 |
Summary of Impaired Loan Balances and Associated Allowance by Portfolio Segment | The following is a summary of impaired loan balances and the associated allowance by portfolio segment as of and for the periods indicated:
|  |  |  |  |  |  |  | For the Three Months Ended |  | For the Six Months Ended
(In thousands) |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized(1) |  | Average Recorded Investment |  | Interest Income Recognized
June 30, 2020: |  |  |  |  |  |  |  |  |  |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 127 |  |  | $ | 127 |  |  | $ | 35 |  |  | $ | 128 |  |  | $ | 3 |  |  | $ | 128 |  |  | $ | 4 |
Commercial |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HPFC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 2,304 |  |  | 2,304 |  |  | 338 |  |  | 2,262 |  |  | 22 |  |  | 2,306 |  |  | 46 |
Home equity |  | 318 |  |  | 318 |  |  | 89 |  |  | 318 |  |  | — |  |  | 318 |  |  | — |
Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ending balance |  | 2,749 |  |  | 2,749 |  |  | 462 |  |  | 2,708 |  |  | 25 |  |  | 2,752 |  |  | 50 |
Without an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | 334 |  |  | 514 |  |  | — |  |  | 303 |  |  | 3 |  |  | 293 |  |  | 6 |
Commercial |  | 179 |  |  | 242 |  |  | — |  |  | 239 |  |  | 1 |  |  | 266 |  |  | 3 |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HPFC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 849 |  |  | 972 |  |  | — |  |  | 957 |  |  | (1 | ) |  | 968 |  |  | 2 |
Home equity |  | 52 |  |  | 189 |  |  | — |  |  | 52 |  |  | — |  |  | 53 |  |  | — |
Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ending balance |  | 1,414 |  |  | 1,917 |  |  | — |  |  | 1,551 |  |  | 3 |  |  | 1,580 |  |  | 11 |
Total impaired loans |  | $ | 4,163 |  |  | $ | 4,666 |  |  | $ | 462 |  |  | $ | 4,259 |  |  | $ | 28 |  |  | $ | 4,332 |  |  | $ | 61 |
June 30, 2019: |  |  |  |  |  |  |  |  |  |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 131 |  |  | $ | 131 |  |  | $ | 27 |  |  | $ | 131 |  |  | $ | 5 |  |  | $ | 131 |  |  | $ | 6 |
Commercial |  | 461 |  |  | 461 |  |  | 322 |  |  | 230 |  |  | — |  |  | 339 |  |  | — |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HPFC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 3,286 |  |  | 3,286 |  |  | 524 |  |  | 3,370 |  |  | 26 |  |  | 3,404 |  |  | 56 |
Home equity |  | 828 |  |  | 828 |  |  | 310 |  |  | 828 |  |  | — |  |  | 658 |  |  | — |
Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ending Balance |  | 4,706 |  |  | 4,706 |  |  | 1,183 |  |  | 4,559 |  |  | 31 |  |  | 4,532 |  |  | 62 |
Without an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | 278 |  |  | 437 |  |  | — |  |  | 278 |  |  | 4 |  |  | 452 |  |  | 7 |
Commercial |  | 214 |  |  | 278 |  |  | — |  |  | 219 |  |  | 2 |  |  | 222 |  |  | 4 |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HPFC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 1,186 |  |  | 1,310 |  |  | — |  |  | 1,234 |  |  | 7 |  |  | 1,253 |  |  | 17 |
Home equity |  | 59 |  |  | 197 |  |  | — |  |  | 63 |  |  | — |  |  | 84 |  |  | — |
Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2 |  |  | — |
Ending Balance |  | 1,737 |  |  | 2,222 |  |  | — |  |  | 1,794 |  |  | 13 |  |  | 2,013 |  |  | 28 |
Total impaired loans |  | $ | 6,443 |  |  | $ | 6,928 |  |  | $ | 1,183 |  |  | $ | 6,353 |  |  | $ | 44 |  |  | $ | 6,545 |  |  | $ | 90 |
(1) | Negative interest income represents the re-allocation of income between "with an allowance recorded" and "without an allowance recorded" (or vice versa) during the period.
|  |  |  |  |  |  |  | For the Year Ended
(In thousands) |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized
December 31, 2019: |  |  |  |  |  |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 128 |  |  | $ | 128 |  |  | $ | 30 |  |  | $ | 130 |  |  | $ | 11 |
Commercial |  | — |  |  | — |  |  | — |  |  | 292 |  |  | — |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HPFC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 2,395 |  |  | 2,395 |  |  | 364 |  |  | 2,989 |  |  | 110 |
Home equity |  | 318 |  |  | 318 |  |  | 69 |  |  | 522 |  |  | — |
Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ending Balance |  | 2,841 |  |  | 2,841 |  |  | 463 |  |  | 3,933 |  |  | 121 |
Without an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | 274 |  |  | 433 |  |  | — |  |  | 381 |  |  | 13 |
Commercial |  | 319 |  |  | 685 |  |  | — |  |  | 238 |  |  | 7 |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HPFC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 989 |  |  | 1,116 |  |  | — |  |  | 1,258 |  |  | 21 |
Home equity |  | 55 |  |  | 192 |  |  | — |  |  | 115 |  |  | — |
Consumer |  | — |  |  | — |  |  | — |  |  | 1 |  |  | — |
Ending Balance |  | 1,637 |  |  | 2,426 |  |  | — |  |  | 1,993 |  |  | 41 |
Total impaired loans |  | $ | 4,478 |  |  | $ | 5,267 |  |  | $ | 463 |  |  | $ | 5,926 |  |  | $ | 162 |

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