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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 9 Months Ended
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Sep. 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) |  | September 30, 2020 |  | December 31, 2019
Commercial Loans: |  |  |  |
Commercial real estate |  | $ | 1,333,733 |  |  | $ | 1,243,397 |
Commercial |  | 360,629 |  |  | 421,108 |
SBA PPP |  | 223,838 |  |  | — |
HPFC |  | 14,919 |  |  | 21,593 |
Total commercial loans |  | 1,933,119 |  |  | 1,686,098 |
Retail Loans: |  |  |  |
Residential real estate |  | 1,044,103 |  |  | 1,070,374 |
Home equity |  | 274,743 |  |  | 312,779 |
Consumer |  | 22,877 |  |  | 25,772 |
Total retail loans |  | 1,341,723 |  |  | 1,408,925 |
Total loans |  | $ | 3,274,842 |  |  | $ | 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) |  | September 30, 2020 |  | December 31, 2019
Net unamortized fair value mark discount on acquired loans |  | $ | (1,667) |  |  | $ | (2,593) |
Net unamortized loan (fees) origination costs(1) |  | (2,439) |  |  | 3,111 |
Total |  | $ | (4,106) |  |  | $ | 518 |
(1) The change in net unamortized loan (fees) origination costs from December 31, 2019 to September 30, 2020, was primarily driven by origination fees capitalized upon origination of SBA PPP loans during the second and third quarters of 2020. As of September 30, 2020, unamortized loan fees on originated SBA PPP loans were $5.4 million.
Summary of Activity in Allowance for Loan Losses | The following tables present 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 and Nine Months Ended September 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALL for the three months ended: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 18,386 |  |  | $ | 4,679 |  |  | $ | 113 |  |  | $ | 170 |  |  | $ | 8,603 |  |  | $ | 3,084 |  |  | $ | 504 |  |  | $ | 35,539 |
Loans charged off |  | (33) |  |  | (184) |  |  | — |  |  | — |  |  | (25) |  |  | (10) |  |  | (55) |  |  | (307) |
Recoveries |  | 3 |  |  | 139 |  |  | — |  |  | — |  |  | 4 |  |  | — |  |  | 36 |  |  | 182 |
Provision (credit)(1) |  | 1,173 |  |  | (246) |  |  | 2 |  |  | (21) |  |  | 124 |  |  | (51) |  |  | 19 |  |  | 1,000 |
Ending balance |  | $ | 19,529 |  |  | $ | 4,388 |  |  | $ | 115 |  |  | $ | 149 |  |  | $ | 8,706 |  |  | $ | 3,023 |  |  | $ | 504 |  |  | $ | 36,414 |
ALL for the nine months ended: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 12,414 |  |  | $ | 3,769 |  |  | $ | — |  |  | $ | 216 |  |  | $ | 5,842 |  |  | $ | 2,423 |  |  | $ | 507 |  |  | $ | 25,171 |
Loans charged off |  | (104) |  |  | (857) |  |  | — |  |  | — |  |  | (121) |  |  | (61) |  |  | (138) |  |  | (1,281) |
Recoveries |  | 10 |  |  | 255 |  |  | — |  |  | — |  |  | 27 |  |  | 4 |  |  | 56 |  |  | 352 |
Provision (credit)(1) |  | 7,209 |  |  | 1,221 |  |  | 115 |  |  | (67) |  |  | 2,958 |  |  | 657 |  |  | 79 |  |  | 12,172 |
Ending balance |  | $ | 19,529 |  |  | $ | 4,388 |  |  | $ | 115 |  |  | $ | 149 |  |  | $ | 8,706 |  |  | $ | 3,023 |  |  | $ | 504 |  |  | $ | 36,414 |
ALL balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 36 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 371 |  |  | $ | 87 |  |  | $ | — |  |  | $ | 494 |
Collectively evaluated for impairment |  | 19,493 |  |  | 4,388 |  |  | 115 |  |  | 149 |  |  | 8,335 |  |  | 2,936 |  |  | 504 |  |  | 35,920 |
Total ending ALL |  | $ | 19,529 |  |  | $ | 4,388 |  |  | $ | 115 |  |  | $ | 149 |  |  | $ | 8,706 |  |  | $ | 3,023 |  |  | $ | 504 |  |  | $ | 36,414 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 460 |  |  | $ | 171 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,128 |  |  | $ | 365 |  |  | $ | — |  |  | $ | 4,124 |
Collectively evaluated for impairment |  | 1,333,273 |  |  | 360,458 |  |  | 223,838 |  |  | 14,919 |  |  | 1,040,975 |  |  | 274,378 |  |  | 22,877 |  |  | 3,270,718 |
Total ending loans balance |  | $ | 1,333,733 |  |  | $ | 360,629 |  |  | $ | 223,838 |  |  | $ | 14,919 |  |  | $ | 1,044,103 |  |  | $ | 274,743 |  |  | $ | 22,877 |  |  | $ | 3,274,842 |
At or For The Three and Nine Months Ended September 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
ALL for the three months ended: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 12,152 |  |  | $ | 4,107 |  |  | $ | — |  |  | $ | 280 |  |  | $ | 6,249 |  |  | $ | 2,992 |  |  | $ | 383 |  |  | $ | 26,163 |
Loans charged off |  | (92) |  |  | (183) |  |  | — |  |  | (11) |  |  | (411) |  |  | (348) |  |  | (258) |  |  | (1,303) |
Recoveries |  | 34 |  |  | 56 |  |  | — |  |  | — |  |  | 2 |  |  | — |  |  | 3 |  |  | 95 |
Provision (credit)(1) |  | (18) |  |  | 124 |  |  | — |  |  | (32) |  |  | 382 |  |  | 132 |  |  | 145 |  |  | 733 |
Ending balance |  | $ | 12,076 |  |  | $ | 4,104 |  |  | $ | — |  |  | $ | 237 |  |  | $ | 6,222 |  |  | $ | 2,776 |  |  | $ | 273 |  |  | $ | 25,688 |
ALL for the nine months ended: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 11,654 |  |  | $ | 3,620 |  |  | $ | — |  |  | $ | 337 |  |  | $ | 6,071 |  |  | $ | 2,796 |  |  | $ | 234 |  |  | $ | 24,712 |
Loans charged off |  | (157) |  |  | (636) |  |  | — |  |  | (11) |  |  | (436) |  |  | (392) |  |  | (278) |  |  | (1,910) |
Recoveries |  | 41 |  |  | 167 |  |  | — |  |  | — |  |  | 6 |  |  | — |  |  | 14 |  |  | 228 |
Provision (credit)(1) |  | 538 |  |  | 953 |  |  | — |  |  | (89) |  |  | 581 |  |  | 372 |  |  | 303 |  |  | 2,658 |
Ending balance |  | $ | 12,076 |  |  | $ | 4,104 |  |  | $ | — |  |  | $ | 237 |  |  | $ | 6,222 |  |  | $ | 2,776 |  |  | $ | 273 |  |  | $ | 25,688 |
ALL balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 29 |  |  | $ | 303 |  |  | $ | — |  |  | $ | — |  |  | $ | 337 |  |  | $ | 69 |  |  | $ | — |  |  | $ | 738 |
Collectively evaluated for impairment |  | 12,047 |  |  | 3,801 |  |  | — |  |  | 237 |  |  | 5,885 |  |  | 2,707 |  |  | 273 |  |  | 24,950 |
Total ending ALL |  | $ | 12,076 |  |  | $ | 4,104 |  |  | $ | — |  |  | $ | 237 |  |  | $ | 6,222 |  |  | $ | 2,776 |  |  | $ | 273 |  |  | $ | 25,688 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 406 |  |  | $ | 646 |  |  | $ | — |  |  | $ | — |  |  | $ | 3,880 |  |  | $ | 585 |  |  | $ | — |  |  | $ | 5,517 |
Collectively evaluated for impairment |  | 1,255,113 |  |  | 421,108 |  |  | — |  |  | 23,712 |  |  | 1,058,018 |  |  | 322,979 |  |  | 24,187 |  |  | 3,105,117 |
Total ending loans balance |  | $ | 1,255,519 |  |  | $ | 421,754 |  |  | $ | — |  |  | $ | 23,712 |  |  | $ | 1,061,898 |  |  | $ | 323,564 |  |  | $ | 24,187 |  |  | $ | 3,110,634 |
(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 September 30, 2020 and 2019, and December 31, 2019, the reserve for unfunded commitments was $9,000, $11,000 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 September 30, |  | Nine Months Ended September 30, |  | Year Ended December 31, 2019
(In thousands) |  | 2020 |  | 2019 |  | 2020 |  | 2019 |
Provision for loan losses |  | $ | 1,000 |  |  | $ | 733 |  |  | $ | 12,172 |  |  | $ | 2,658 |  |  | $ | 2,862 |
Change in reserve for unfunded commitments |  | (13) |  |  | (3) |  |  | (12) |  |  | (11) |  |  | (1) |
Provision for credit losses |  | $ | 987 |  |  | $ | 730 |  |  | $ | 12,160 |  |  | $ | 2,647 |  |  | $ | 2,861 |
Temporary Loan Modifications | For the dates indicated, the Company's loans impacted by the COVID-19 pandemic and operating under temporary short-term payment deferral arrangements for a period of 180 days or less were as follows:
|  | September 30, 2020 |  | June 30, 2020
(In thousands, except number of units) |  | Units |  | Recorded Investment |  | % of Total Loans |  | Units |  | Recorded Investment |  | % of Total Loans
Commercial |  | 210 |  |  | $ | 105,879 |  |  | 3.2 | % |  | 1,023 |  |  | $ | 415,606 |  |  | 12.5 | %
Retail |  | 502 |  |  | 75,337 |  |  | 2.3 | % |  | 740 |  |  | 131,116 |  |  | 3.9 | %
Total |  | 712 |  |  | $ | 181,216 |  |  | 5.5 | % |  | 1,763 |  |  | $ | 546,722 |  |  | 16.4 | %
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
September 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass (Grades 1-6) |  | $ | 1,273,616 |  |  | $ | 354,160 |  |  | $ | 223,838 |  |  | $ | 14,100 |  |  | $ | 1,037,649 |  |  | $ | — |  |  | $ | — |  |  | $ | 2,903,363 |
Performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 272,246 |  |  | 22,873 |  |  | 295,119 |
Special Mention (Grade 7) |  | 23,899 |  |  | 2,762 |  |  | — |  |  | — |  |  | 405 |  |  | — |  |  | — |  |  | 27,066 |
Substandard (Grade 8) |  | 36,218 |  |  | 3,707 |  |  | — |  |  | 819 |  |  | 6,049 |  |  | — |  |  | — |  |  | 46,793 |
Non-performing |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 2,497 |  |  | 4 |  |  | 2,501 |
Total |  | $ | 1,333,733 |  |  | $ | 360,629 |  |  | $ | 223,838 |  |  | $ | 14,919 |  |  | $ | 1,044,103 |  |  | $ | 274,743 |  |  | $ | 22,877 |  |  | $ | 3,274,842 |
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
September 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 671 |  |  | $ | 1,490 |  |  | $ | 246 |  |  | $ | 2,407 |  |  | $ | 1,331,326 |  |  | $ | 1,333,733 |  |  | $ | — |  |  | $ | 565 |
Commercial |  | 1,315 |  |  | — |  |  | 605 |  |  | 1,920 |  |  | 358,709 |  |  | 360,629 |  |  | — |  |  | 605 |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | 223,838 |  |  | 223,838 |  |  | — |  |  | — |
HPFC |  | 233 |  |  | 228 |  |  | 304 |  |  | 765 |  |  | 14,154 |  |  | 14,919 |  |  | — |  |  | 509 |
Residential real estate |  | 1,036 |  |  | 775 |  |  | 3,369 |  |  | 5,180 |  |  | 1,038,923 |  |  | 1,044,103 |  |  | — |  |  | 4,017 |
Home equity |  | 367 |  |  | 109 |  |  | 2,102 |  |  | 2,578 |  |  | 272,165 |  |  | 274,743 |  |  | — |  |  | 2,499 |
Consumer |  | 48 |  |  | 56 |  |  | 4 |  |  | 108 |  |  | 22,769 |  |  | 22,877 |  |  | — |  |  | 4 |
Total |  | $ | 3,670 |  |  | $ | 2,658 |  |  | $ | 6,630 |  |  | $ | 12,958 |  |  | $ | 3,261,884 |  |  | $ | 3,274,842 |  |  | $ | — |  |  | $ | 8,199 |
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) |  | September 30, 2020 |  | December 31, 2019 |  | September 30, 2020 |  | December 31, 2019 |  | September 30, 2020 |  | December 31, 2019
Residential real estate |  | 21 |  |  | 22 |  |  | $ | 2,670 |  |  | $ | 2,869 |  |  | $ | 371 |  |  | $ | 364 |
Commercial real estate |  | 2 |  |  | 2 |  |  | 331 |  |  | 338 |  |  | 36 |  |  | 30 |
Commercial |  | 2 |  |  | 2 |  |  | 107 |  |  | 123 |  |  | — |  |  | — |
Consumer and home equity |  | 1 |  |  | 1 |  |  | 297 |  |  | 299 |  |  | 87 |  |  | 69 |
Total |  | 26 |  |  | 27 |  |  | $ | 3,405 |  |  | $ | 3,629 |  |  | $ | 494 |  |  | $ | 463 |
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 Nine Months Ended
(In thousands) |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
September 30, 2020: |  |  |  |  |  |  |  |  |  |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 126 |  |  | $ | 126 |  |  | $ | 36 |  |  | $ | 127 |  |  | $ | 2 |  |  | $ | 127 |  |  | $ | 6 |
Commercial |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HPFC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 2,394 |  |  | 2,394 |  |  | 371 |  |  | 2,349 |  |  | 33 |  |  | 2,328 |  |  | 79 |
Home equity |  | 316 |  |  | 316 |  |  | 87 |  |  | 317 |  |  | — |  |  | 318 |  |  | — |
Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ending balance |  | 2,836 |  |  | 2,836 |  |  | 494 |  |  | 2,793 |  |  | 35 |  |  | 2,773 |  |  | 85 |
Without an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | 334 |  |  | 548 |  |  | — |  |  | 334 |  |  | 3 |  |  | 304 |  |  | 9 |
Commercial |  | 171 |  |  | 233 |  |  | — |  |  | 175 |  |  | 1 |  |  | 242 |  |  | 4 |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HPFC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 734 |  |  | 858 |  |  | — |  |  | 791 |  |  | 2 |  |  | 909 |  |  | 4 |
Home equity |  | 49 |  |  | 187 |  |  | — |  |  | 50 |  |  | — |  |  | 52 |  |  | — |
Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ending balance |  | 1,288 |  |  | 1,826 |  |  | — |  |  | 1,350 |  |  | 6 |  |  | 1,507 |  |  | 17 |
Total impaired loans |  | $ | 4,124 |  |  | $ | 4,662 |  |  | $ | 494 |  |  | $ | 4,143 |  |  | $ | 41 |  |  | $ | 4,280 |  |  | $ | 102 |
September 30, 2019: |  |  |  |  |  |  |  |  |  |  |  |  |  |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | $ | 130 |  |  | $ | 130 |  |  | $ | 29 |  |  | $ | 130 |  |  | $ | 3 |  |  | $ | 130 |  |  | $ | 9 |
Commercial |  | 442 |  |  | 442 |  |  | 303 |  |  | 301 |  |  | — |  |  | 365 |  |  | — |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HPFC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 2,337 |  |  | 2,337 |  |  | 337 |  |  | 3,026 |  |  | 28 |  |  | 3,137 |  |  | 84 |
Home equity |  | 318 |  |  | 318 |  |  | 69 |  |  | 658 |  |  | — |  |  | 573 |  |  | — |
Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ending Balance |  | 3,227 |  |  | 3,227 |  |  | 738 |  |  | 4,115 |  |  | 31 |  |  | 4,205 |  |  | 93 |
Without an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate |  | 276 |  |  | 435 |  |  | — |  |  | 278 |  |  | 3 |  |  | 408 |  |  | 10 |
Commercial |  | 204 |  |  | 267 |  |  | — |  |  | 214 |  |  | 1 |  |  | 218 |  |  | 5 |
SBA PPP |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
HPFC |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential real estate |  | 1,543 |  |  | 2,007 |  |  | — |  |  | 1,337 |  |  | 11 |  |  | 1,325 |  |  | 28 |
Home equity |  | 267 |  |  | 705 |  |  | — |  |  | 131 |  |  | — |  |  | 130 |  |  | — |
Consumer |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |
Ending Balance |  | 2,290 |  |  | 3,414 |  |  | — |  |  | 1,960 |  |  | 15 |  |  | 2,081 |  |  | 43 |
Total impaired loans |  | $ | 5,517 |  |  | $ | 6,641 |  |  | $ | 738 |  |  | $ | 6,075 |  |  | $ | 46 |  |  | $ | 6,286 |  |  | $ | 136 |
|  |  |  |  |  |  |  | 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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