XML 39 R27.htm IDEA: XBRL DOCUMENT
v3.20.1

Loans and Allowance for Credit Losses (Tables) | 3 Months Ended
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Mar. 31, 2020
Receivables [Abstract] |
Schedule of Financing Receivables |
(Dollars in thousands) |  | March 31, 2020 |  | December 31, 2019 |
Construction |  | $ | 109,608 |  | $ | 99,829 |
Residential real estate |  |  | 437,197 |  |  | 442,506 |
Commercial real estate |  |  | 610,889 |  |  | 586,562 |
Commercial |  |  | 96,905 |  |  | 102,020 |
Consumer |  |  | 22,394 |  |  | 17,737 |
Total loans |  |  | 1,276,993 |  |  | 1,248,654 |
Allowance for credit losses |  |  | (10,378) |  |  | (10,507) |
Total loans, net |  | $ | 1,266,615 |  | $ | 1,238,147 |
Allowance for Credit Losses on Financing Receivables |
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 335 |  | $ | 7,652 |  | $ | 11,161 |  | $ | 557 |  | $ | — |  | $ | 19,705
Loans collectively evaluated for impairment |  |  | 109,273 |  |  | 429,545 |  |  | 599,728 |  |  | 96,348 |  |  | 22,394 |  |  | 1,257,288
Total loans |  | $ | 109,608 |  | $ | 437,197 |  | $ | 610,889 |  | $ | 96,905 |  | $ | 22,394 |  | $ | 1,276,993
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | — |  | $ | 268 |  | $ | 85 |  | $ | — |  | $ | — |  | $ | 353
Loans collectively evaluated for impairment |  |  | 1,128 |  |  | 2,214 |  |  | 3,880 |  |  | 2,263 |  |  | 540 |  |  | 10,025
Total allowance |  | $ | 1,128 |  | $ | 2,482 |  | $ | 3,965 |  | $ | 2,263 |  | $ | 540 |  | $ | 10,378
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | 41 |  | $ | 7,072 |  | $ | 12,006 |  | $ | 298 |  | $ | — |  | $ | 19,417
Loans collectively evaluated for impairment |  |  | 99,788 |  |  | 435,434 |  |  | 574,556 |  |  | 101,722 |  |  | 17,737 |  |  | 1,229,237
Total loans |  | $ | 99,829 |  | $ | 442,506 |  | $ | 586,562 |  | $ | 102,020 |  | $ | 17,737 |  | $ | 1,248,654
Allowance for credit losses allocated to: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | — |  | $ | 395 |  | $ | 580 |  | $ | — |  | $ | — |  | $ | 975
Loans collectively evaluated for impairment |  |  | 1,576 |  |  | 2,106 |  |  | 3,452 |  |  | 1,929 |  |  | 469 |  |  | 9,532
Total allowance |  | $ | 1,576 |  | $ | 2,501 |  | $ | 4,032 |  | $ | 1,929 |  | $ | 469 |  | $ | 10,507
Impaired Financing Receivables |
|  |  |  |  | Recorded |  | Recorded |  |  |  |  |
|  | Unpaid |  | investment |  | investment |  |  |  |  | Year-to-date |  | Interest
|  | principal |  | with no |  | with an |  | Related |  | average recorded |  | recorded
(Dollars in thousands) |  | balance |  | allowance |  | allowance |  | allowance |  | investment |  | investment
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 297 |  |  | 297 |  |  | — |  |  | — |  |  | 99 |  |  | —
Residential real estate |  |  | 3,854 |  |  | 2,083 |  |  | 1,367 |  |  | 94 |  |  | 2,871 |  |  | —
Commercial real estate |  |  | 7,932 |  |  | 7,169 |  |  | 67 |  |  | 67 |  |  | 7,352 |  |  | —
Commercial |  |  | 684 |  |  | 557 |  |  | — |  |  | — |  |  | 382 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 12,767 |  | $ | 10,106 |  | $ | 1,434 |  | $ | 161 |  | $ | 10,704 |  | $ | —
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 38 |  | $ | 38 |  | $ | — |  | $ | — |  | $ | 39 |  | $ | 1
Residential real estate |  |  | 4,013 |  |  | 2,563 |  |  | 1,450 |  |  | 174 |  |  | 4,023 |  |  | 38
Commercial real estate |  |  | 3,393 |  |  | 2,728 |  |  | 665 |  |  | 18 |  |  | 3,406 |  |  | 24
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 7,444 |  | $ | 5,329 |  | $ | 2,115 |  | $ | 192 |  | $ | 7,468 |  | $ | 63
Other Impaired accruing loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Residential real estate |  |  | 189 |  |  | 189 |  |  | — |  |  | — |  |  | — |  |  | —
Commercial real estate |  |  | 532 |  |  | 532 |  |  | — |  |  | — |  |  | — |  |  | —
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 721 |  | $ | 721 |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 335 |  | $ | 335 |  | $ | — |  | $ | — |  | $ | 138 |  | $ | 1
Residential real estate |  |  | 8,056 |  |  | 4,835 |  |  | 2,817 |  |  | 268 |  |  | 6,894 |  |  | 38
Commercial real estate |  |  | 11,857 |  |  | 10,429 |  |  | 732 |  |  | 85 |  |  | 10,758 |  |  | 24
Commercial |  |  | 684 |  |  | 557 |  |  | — |  |  | — |  |  | 382 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 20,932 |  | $ | 16,156 |  | $ | 3,549 |  | $ | 353 |  | $ | 18,172 |  | $ | 63
|  |  |  |  | Recorded |  | Recorded |  |  |  |  | March 31, 2019
|  | Unpaid |  | investment |  | investment |  |  |  |  | Year-to-date |  | Interest
|  | principal |  | with no |  | with an |  | Related |  | average recorded |  | income
(Dollars in thousands) |  | balance |  | allowance |  | allowance |  | allowance |  | investment |  | recognized
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Impaired nonaccrual loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,791 |  | $ | —
Residential real estate |  |  | 2,660 |  |  | 678 |  |  | 1,797 |  |  | 215 |  |  | 3,338 |  |  | —
Commercial real estate |  |  | 8,242 |  |  | 5,680 |  |  | 2,137 |  |  | 561 |  |  | 9,318 |  |  | —
Commercial |  |  | 421 |  |  | 298 |  |  | — |  |  | — |  |  | 325 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 11,323 |  | $ | 6,656 |  | $ | 3,934 |  | $ | 776 |  | $ | 15,772 |  | $ | —
Impaired accruing TDRs: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 41 |  | $ | 41 |  | $ | — |  | $ | — |  | $ | 50 |  | $ | 7
Residential real estate |  |  | 4,041 |  |  | 2,583 |  |  | 1,458 |  |  | 180 |  |  | 4,308 |  |  | 39
Commercial real estate |  |  | 3,419 |  |  | 2,748 |  |  | 671 |  |  | 19 |  |  | 3,550 |  |  | 39
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 7,501 |  | $ | 5,372 |  | $ | 2,129 |  | $ | 199 |  | $ | 7,908 |  | $ | 85
Other impaired accruing loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Residential real estate |  |  | 556 |  |  | 556 |  |  | — |  |  | — |  |  | — |  |  | —
Commercial real estate |  |  | 770 |  |  | 770 |  |  | — |  |  | — |  |  | — |  |  | —
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 1,326 |  | $ | 1,326 |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Total impaired loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 41 |  | $ | 41 |  | $ | — |  | $ | — |  | $ | 2,841 |  | $ | 7
Residential real estate |  |  | 7,257 |  |  | 3,817 |  |  | 3,255 |  |  | 395 |  |  | 7,646 |  |  | 39
Commercial real estate |  |  | 12,431 |  |  | 9,198 |  |  | 2,808 |  |  | 580 |  |  | 12,868 |  |  | 39
Commercial |  |  | 421 |  |  | 298 |  |  | — |  |  | — |  |  | 325 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 20,150 |  | $ | 13,354 |  | $ | 6,063 |  | $ | 975 |  | $ | 23,680 |  | $ | 85
Troubled Debt Restructurings on Financing Receivables | The following tables provide a roll-forward for TDRs as of March 31, 2020 and March 31, 2019.
|  | 1/1/2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/31/2020 |  |  |
|  | TDR |  | New |  | Disbursements |  | Charge- |  | Reclassifications/ |  |  |  |  | TDR |  | Related
(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | Transfer In/(Out) |  | Payoffs |  | Balance |  | Allowance
For three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 41 |  | $ | — |  | $ | (3) |  | $ | — |  | $ | — |  | $ | — |  | $ | 38 |  | $ | —
Residential real estate |  |  | 4,041 |  |  | — |  |  | (28) |  |  | — |  |  | — |  |  | — |  |  | 4,013 |  |  | 174
Commercial real estate |  |  | 3,419 |  |  | — |  |  | (26) |  |  | — |  |  | — |  |  | — |  |  | 3,393 |  |  | 18
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 7,501 |  | $ | — |  | $ | (57) |  | $ | — |  | $ | — |  | $ | — |  | $ | 7,444 |  | $ | 192
Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Residential real estate |  |  | 1,393 |  |  | — |  |  | (26) |  |  | — |  |  | — |  |  | — |  |  | 1,367 |  |  | 94
Commercial real estate |  |  | — |  |  | 1,506 |  |  | (344) |  |  | — |  |  | — |  |  | — |  |  | 1,162 |  |  | —
Commercial |  |  | 299 |  |  | — |  |  | (10) |  |  | — |  |  | — |  |  | — |  |  | 289 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 1,692 |  | $ | 1,506 |  | $ | (380) |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,818 |  | $ | 94
Total |  | $ | 9,193 |  | $ | 1,506 |  | $ | (437) |  | $ | — |  | $ | — |  | $ | — |  | $ | 10,262 |  | $ | 286
|  | 1/1/2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3/31/2019 |  |  |
|  | TDR |  | New |  | Disbursements |  | Charge- |  | Reclassifications/ |  |  |  |  | TDR |  | Related
(Dollars in thousands) |  | Balance |  | TDRs |  | (Payments) |  | offs |  | Transfer In/(Out) |  | Payoffs |  | Balance |  | Allowance
For three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Accruing TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 51 |  | $ | — |  | $ | (2) |  | $ | — |  | $ | — |  | $ | — |  | $ | 49 |  | $ | —
Residential real estate |  |  | 4,454 |  |  | — |  |  | (23) |  |  | — |  |  | — |  |  | (197) |  |  | 4,234 |  |  | 174
Commercial real estate |  |  | 4,158 |  |  | — |  |  | (613) |  |  | — |  |  | — |  |  | — |  |  | 3,545 |  |  | 27
Commercial |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 8,663 |  | $ | — |  | $ | (638) |  | $ | — |  | $ | — |  | $ | (197) |  | $ | 7,828 |  | $ | 201
Nonaccrual TDRs |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 2,798 |  | $ | — |  | $ | (33) |  | $ | — |  | $ | — |  | $ | — |  | $ | 2,765 |  | $ | 279
Residential real estate |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial real estate |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial |  |  | 320 |  |  | — |  |  | (5) |  |  | — |  |  | — |  |  | — |  |  | 315 |  |  | 12
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total |  | $ | 3,118 |  | $ | — |  | $ | (38) |  | $ | — |  | $ | — |  | $ | — |  | $ | 3,080 |  | $ | 291
Total |  | $ | 11,781 |  | $ | — |  | $ | (676) |  | $ | — |  | $ | — |  | $ | (197) |  | $ | 10,908 |  | $ | 492
The following tables provide information on loans that were modified and considered TDRs during the three months ended March 31, 2020 and March 31, 2019.
|  |  |  | Premodification |  | Postmodification |  |  |
|  |  |  | outstanding |  | outstanding |  |  |
|  | Number of |  | recorded |  | recorded |  | Related
(Dollars in thousands) |  | contracts |  | investment |  | investment |  | allowance
TDRs: |  |  |  |  |  |  |  |  |  |  |
For three months ended |  |  |  |  |  |  |  |  |  |  |
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |
Construction |  | — |  | $ | — |  | $ | — |  | $ | —
Residential real estate |  | — |  |  | — |  |  | — |  |  | —
Commercial real estate |  | 1 |  |  | 1,535 |  |  | 1,162 |  |  | —
Commercial |  | — |  |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | — |  |  | —
Total |  | 1 |  | $ | 1,535 |  | $ | 1,162 |  | $ | —
For three months ended |  |  |  |  |  |  |  |  |  |  |
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |
Construction |  | — |  | $ | — |  | $ | — |  | $ | —
Residential real estate |  | — |  |  | — |  |  | — |  |  | —
Commercial real estate |  | — |  |  | — |  |  | — |  |  | —
Commercial |  | — |  |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | — |  |  | —
Total |  | — |  | $ | — |  | $ | — |  | $ | —
Troubled Debt Restructurings That Defaulted On Financing Receivables |
|  | Number of |  | Recorded |  | Related
(Dollars in thousands) |  | contracts |  | investment |  | allowance
TDRs that subsequently defaulted: |  |  |  |  |  |  |  |
For three months ended |  |  |  |  |  |  |  |
March 31, 2020 |  |  |  |  |  |  |  |
Construction |  | — |  | $ | — |  | $ | —
Residential real estate |  | — |  |  | — |  |  | —
Commercial real estate |  | — |  |  | — |  |  | —
Commercial |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | —
Total |  | — |  | $ | — |  | $ | —
For three months ended |  |  |  |  |  |  |  |
March 31, 2019 |  |  |  |  |  |  |  |
Construction |  | — |  | $ | — |  | $ | —
Residential real estate |  | — |  |  | — |  |  | —
Commercial real estate |  | — |  |  | — |  |  | —
Commercial |  | — |  |  | — |  |  | —
Consumer |  | — |  |  | — |  |  | —
Total |  | — |  | $ | — |  | $ | —
Financing Receivable Credit Quality Indicators |
|  |  |  |  |  |  |  | Special |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Pass/Performing |  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 91,507 |  | $ | 15,730 |  | $ | 2,074 |  | $ | 297 |  | $ | — |  | $ | 109,608
Residential real estate |  |  | 399,006 |  |  | 29,645 |  |  | 4,550 |  |  | 3,996 |  |  | — |  |  | 437,197
Commercial real estate |  |  | 470,751 |  |  | 123,013 |  |  | 6,568 |  |  | 10,557 |  |  | — |  |  | 610,889
Commercial |  |  | 63,627 |  |  | 32,236 |  |  | 454 |  |  | 588 |  |  | — |  |  | 96,905
Consumer |  |  | 22,033 |  |  | 355 |  |  | 2 |  |  | 4 |  |  | — |  |  | 22,394
Total |  | $ | 1,046,924 |  | $ | 200,979 |  | $ | 13,648 |  | $ | 15,442 |  | $ | — |  | $ | 1,276,993
|  |  |  |  |  |  |  | Special |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Pass/Performing |  | Pass/Watch |  | Mention |  | Substandard |  | Doubtful |  | Total
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 84,357 |  | $ | 13,068 |  | $ | 2,404 |  | $ | — |  | $ | — |  | $ | 99,829
Residential real estate |  |  | 404,500 |  |  | 29,223 |  |  | 5,549 |  |  | 3,234 |  |  | — |  |  | 442,506
Commercial real estate |  |  | 455,388 |  |  | 115,190 |  |  | 4,822 |  |  | 11,162 |  |  | — |  |  | 586,562
Commercial |  |  | 80,816 |  |  | 20,130 |  |  | 746 |  |  | 328 |  |  | — |  |  | 102,020
Consumer |  |  | 17,347 |  |  | 383 |  |  | 2 |  |  | 5 |  |  | — |  |  | 17,737
Total |  | $ | 1,042,408 |  | $ | 177,994 |  | $ | 13,523 |  | $ | 14,729 |  | $ | — |  | $ | 1,248,654
Past Due Financing Receivables |
|  | Accruing |  |  |  |  |  |  |
|  |  |  |  | 30‑59 days |  | 60‑89 days |  | Greater than |  | Total |  |  |  |  |  |  |
(Dollars in thousands) |  | Current |  | past due |  | past due |  | 90 days |  | past due |  | Nonaccrual |  | Total |
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 109,101 |  | $ | 210 |  | $ | — |  | $ | — |  | $ | 210 |  | $ | 297 |  | $ | 109,608 |
Residential real estate |  |  | 428,930 |  |  | 4,073 |  |  | 555 |  |  | 189 |  |  | 4,817 |  |  | 3,450 |  |  | 437,197 |
Commercial real estate |  |  | 600,382 |  |  | 2,249 |  |  | 490 |  |  | 532 |  |  | 3,271 |  |  | 7,236 |  |  | 610,889 |
Commercial |  |  | 96,024 |  |  | 95 |  |  | 229 |  |  | — |  |  | 324 |  |  | 557 |  |  | 96,905 |
Consumer |  |  | 22,331 |  |  | 63 |  |  | — |  |  | — |  |  | 63 |  |  | — |  |  | 22,394 |
Total |  | $ | 1,256,768 |  | $ | 6,690 |  | $ | 1,274 |  | $ | 721 |  | $ | 8,685 |  | $ | 11,540 |  | $ | 1,276,993 |
Percent of total loans |  |  | 98.4 | % |  | 0.5 | % |  | 0.1 | % |  | 0.1 | % |  | 0.7 | % |  | 0.9 | % |  | 100.0 | %
|  | Accruing |  |  |  |  |  |  |
|  |  |  |  | 30‑59 days |  | 60‑89 days |  | Greater than |  | Total |  |  |  |  |  |  |
(Dollars in thousands) |  | Current |  | past due |  | past due |  | 90 days |  | past due |  | Nonaccrual |  | Total |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  | $ | 99,234 |  | $ | 595 |  | $ | — |  | $ | — |  | $ | 595 |  | $ | — |  | $ | 99,829 |
Residential real estate |  |  | 435,671 |  |  | 3,021 |  |  | 783 |  |  | 556 |  |  | 4,360 |  |  | 2,475 |  |  | 442,506 |
Commercial real estate |  |  | 577,015 |  |  | 743 |  |  | 217 |  |  | 770 |  |  | 1,730 |  |  | 7,817 |  |  | 586,562 |
Commercial |  |  | 101,476 |  |  | 246 |  |  | — |  |  | — |  |  | 246 |  |  | 298 |  |  | 102,020 |
Consumer |  |  | 17,680 |  |  | 57 |  |  | — |  |  | — |  |  | 57 |  |  | — |  |  | 17,737 |
Total |  | $ | 1,231,076 |  | $ | 4,662 |  | $ | 1,000 |  | $ | 1,326 |  | $ | 6,988 |  | $ | 10,590 |  | $ | 1,248,654 |
Percent of total loans |  |  | 98.6 | % |  | 0.4 | % |  | 0.1 | % |  | 0.1 | % |  | 0.6 | % |  | 0.8 | % |  | 100.0 | %
Consolidated Allowance for Credit Losses on Financing Receivables |
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
For three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
March 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 1,576 |  | $ | 2,501 |  | $ | 4,032 |  | $ | 1,929 |  | $ | 469 |  | $ | 10,507
Charge-offs |  |  | — |  |  | (191) |  |  | (271) |  |  | (82) |  |  | (7) |  |  | (551)
Recoveries |  |  | 3 |  |  | 3 |  |  | 1 |  |  | 63 |  |  | 2 |  |  | 72
Net charge-offs |  |  | 3 |  |  | (188) |  |  | (270) |  |  | (19) |  |  | (5) |  |  | (479)
Provision |  |  | (451) |  |  | 169 |  |  | 203 |  |  | 353 |  |  | 76 |  |  | 350
Ending Balance |  | $ | 1,128 |  | $ | 2,482 |  | $ | 3,965 |  | $ | 2,263 |  | $ | 540 |  | $ | 10,378
|  |  |  |  | Residential |  | Commercial |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | Construction |  | real estate |  | real estate |  | Commercial |  | Consumer |  | Total
For three months ended |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
March 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning Balance |  | $ | 2,662 |  | $ | 2,353 |  | $ | 3,077 |  | $ | 1,949 |  | $ | 302 |  | $ | 10,343
Charge-offs |  |  | — |  |  | (123) |  |  | — |  |  | (81) |  |  | (6) |  |  | (210)
Recoveries |  |  | 3 |  |  | 8 |  |  | 99 |  |  | 75 |  |  | — |  |  | 185
Net charge-offs |  |  | 3 |  |  | (115) |  |  | 99 |  |  | (6) |  |  | (6) |  |  | (25)
Provision |  |  | (8) |  |  | 195 |  |  | (119) |  |  | 66 |  |  | (34) |  |  | 100
Ending Balance |  | $ | 2,657 |  | $ | 2,433 |  | $ | 3,057 |  | $ | 2,009 |  | $ | 262 |  | $ | 10,418

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