XML 38 R27.htm IDEA: XBRL DOCUMENT
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Loans (Tables) | 6 Months Ended
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Jun. 30, 2020
Loans And Leases Receivable Disclosure [Abstract] |
Loan Portfolio | The Company’s loan portfolio consisted of the following as of the dates indicated (in thousands):
|  | Principal Amount Outstanding |  |  | Net Deferred Loan (Fees) Costs |  |  | Loans, Net |
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 824,818 |  |  | $ | (6,127 | ) |  | $ | 818,691 |
Commercial mortgage |  |  | 1,142,359 |  |  |  | (2,033 | ) |  |  | 1,140,326 |
Residential real estate loans |  |  | 572,562 |  |  |  | 12,473 |  |  |  | 585,035 |
Residential real estate lines |  |  | 94,285 |  |  |  | 3,142 |  |  |  | 97,427 |
Consumer indirect |  |  | 801,434 |  |  |  | 26,671 |  |  |  | 828,105 |
Other consumer |  |  | 16,071 |  |  |  | 166 |  |  |  | 16,237 |
Total |  | $ | 3,451,529 |  |  | $ | 34,292 |  |  |  | 3,485,821 |
Allowance for credit losses - loans |  |  |  |  |  |  |  |  |  |  | (46,316 | )
Total loans, net |  |  |  |  |  |  |  |  |  | $ | 3,439,505 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 571,222 |  |  | $ | 818 |  |  | $ | 572,040 |
Commercial mortgage |  |  | 1,108,315 |  |  |  | (2,032 | ) |  |  | 1,106,283 |
Residential real estate loans |  |  | 560,717 |  |  |  | 11,633 |  |  |  | 572,350 |
Residential real estate lines |  |  | 101,048 |  |  |  | 3,070 |  |  |  | 104,118 |
Consumer indirect |  |  | 822,179 |  |  |  | 27,873 |  |  |  | 850,052 |
Other consumer |  |  | 15,984 |  |  |  | 160 |  |  |  | 16,144 |
Total |  | $ | 3,179,465 |  |  | $ | 41,522 |  |  |  | 3,220,987 |
Allowance for credit losses - loans |  |  |  |  |  |  |  |  |  |  | (30,482 | )
Total loans, net |  |  |  |  |  |  |  |  |  | $ | 3,190,505 |
Recorded Investment by Loan Class in Current and Nonaccrual Loans | The Company’s recorded investment, by loan class, in current and nonaccrual loans, as well as an analysis of accruing delinquent loans is set forth as of the dates indicated (in thousands):
|  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | Greater Than 90 Days |  |  | Total Past Due |  |  | Nonaccrual |  |  | Current |  |  | Total Loans |  |  | Nonaccrual with no allowance |
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 398 |  |  | $ | 28 |  |  | $ | — |  |  | $ | 426 |  |  | $ | 4,918 |  |  | $ | 819,474 |  |  | $ | 824,818 |  |  | $ | 3,647 |
Commercial mortgage |  |  | 115 |  |  |  | 69 |  |  |  | — |  |  |  | 184 |  |  |  | 4,140 |  |  |  | 1,138,035 |  |  |  | 1,142,359 |  |  |  | 4,140 |
Residential real estate loans |  |  | 786 |  |  |  | 27 |  |  |  | — |  |  |  | 813 |  |  |  | 2,992 |  |  |  | 568,757 |  |  |  | 572,562 |  |  |  | 2,992 |
Residential real estate lines |  |  | 74 |  |  |  | 35 |  |  |  | — |  |  |  | 109 |  |  |  | 177 |  |  |  | 93,999 |  |  |  | 94,285 |  |  |  | 177 |
Consumer indirect |  |  | 1,571 |  |  |  | 424 |  |  |  | — |  |  |  | 1,995 |  |  |  | 868 |  |  |  | 798,571 |  |  |  | 801,434 |  |  |  | 868 |
Other consumer |  |  | 100 |  |  |  | 48 |  |  |  | 57 |  |  |  | 205 |  |  |  | 30 |  |  |  | 15,836 |  |  |  | 16,071 |  |  |  | 30 |
Total loans, gross |  | $ | 3,044 |  |  | $ | 631 |  |  | $ | 57 |  |  | $ | 3,732 |  |  | $ | 13,125 |  |  | $ | 3,434,672 |  |  | $ | 3,451,529 |  |  | $ | 11,854 |
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 361 |  |  | $ | — |  |  | $ | — |  |  | $ | 361 |  |  | $ | 1,177 |  |  | $ | 569,684 |  |  | $ | 571,222 |  |  |  |  |
Commercial mortgage |  |  | 531 |  |  |  | — |  |  |  | — |  |  |  | 531 |  |  |  | 3,146 |  |  |  | 1,104,638 |  |  |  | 1,108,315 |  |  |  |  |
Residential real estate loans |  |  | 929 |  |  |  | 114 |  |  |  | — |  |  |  | 1,043 |  |  |  | 2,484 |  |  |  | 557,190 |  |  |  | 560,717 |  |  |  |  |
Residential real estate lines |  |  | 231 |  |  |  | 37 |  |  |  | — |  |  |  | 268 |  |  |  | 102 |  |  |  | 100,678 |  |  |  | 101,048 |  |  |  |  |
Consumer indirect |  |  | 3,729 |  |  |  | 1,019 |  |  |  | — |  |  |  | 4,748 |  |  |  | 1,725 |  |  |  | 815,706 |  |  |  | 822,179 |  |  |  |  |
Other consumer |  |  | 116 |  |  |  | 8 |  |  |  | 6 |  |  |  | 130 |  |  |  | — |  |  |  | 15,854 |  |  |  | 15,984 |  |  |  |  |
Total loans, gross |  | $ | 5,897 |  |  | $ | 1,178 |  |  | $ | 6 |  |  | $ | 7,081 |  |  | $ | 8,634 |  |  | $ | 3,163,750 |  |  | $ | 3,179,465 |  |  |  |  |
Information Related to Loans Modified in TDR | The following presents, by loan class, information related to loans modified in a TDR during the three and six months ended June 30, 2020 and 2019:
|  | Quarter-to-Date |  |  | Year-to-Date |
|  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |  |  | Number of Contracts |  |  | Pre- Modification Outstanding Recorded Investment |  |  | Post- Modification Outstanding Recorded Investment |
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 11,898 |  |  | $ | 11,898 |
Total |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | 1 |  |  | $ | 11,898 |  |  | $ | 11,898 |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  | $ | — |
Total |  |  | — |  |  | $ | — |  |  | $ | — |  |  |  | — |  |  | $ | — |  |  | $ | — |
Summary of Collateral Dependent Loans | The following table presents the amortized cost basis of collateral dependent loans by collateral type as of June 30, 2020 (in thousands):
|  | Collateral type |  |  |  |  |
|  | Business assets |  |  | Real property |  |  | Total |
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 3,533 |  |  | $ | 3,356 |  |  | $ | 6,889 |
Commercial mortgage |  |  | — |  |  |  | 4,112 |  |  |  | 4,112 |
Total |  | $ | 3,533 |  |  | $ | 7,468 |  |  | $ | 11,001 |
Commercial Loan Portfolio Categorized by Internally Assigned Asset Classification | The following table sets forth the Company’s commercial loan portfolio, categorized by internally assigned asset classification, as of the dates indicated (in thousands):
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | 2016 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total |
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Uncriticized |  | $ | 315,256 |  |  | $ | 113,442 |  |  | $ | 94,313 |  |  | $ | 54,704 |  |  | $ | 14,210 |  |  | $ | 23,713 |  |  | $ | 186,745 |  |  | $ | — |  |  | $ | 802,383 |
Special mention |  |  | — |  |  |  | 24 |  |  |  | 279 |  |  |  | 1,526 |  |  |  | 241 |  |  |  | 92 |  |  |  | 2,667 |  |  |  | — |  |  |  | 4,829 |
Substandard |  |  | 29 |  |  |  | 629 |  |  |  | 1,150 |  |  |  | 819 |  |  |  | 202 |  |  |  | 3,467 |  |  |  | 5,183 |  |  |  | — |  |  |  | 11,479 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 315,285 |  |  | $ | 114,095 |  |  | $ | 95,742 |  |  | $ | 57,049 |  |  | $ | 14,653 |  |  | $ | 27,272 |  |  | $ | 194,595 |  |  | $ | — |  |  | $ | 818,691 |
Commercial Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Uncriticized |  | $ | 138,718 |  |  | $ | 272,620 |  |  | $ | 212,339 |  |  | $ | 197,891 |  |  | $ | 97,668 |  |  | $ | 212,453 |  |  | $ | 485 |  |  | $ | — |  |  | $ | 1,132,174 |
Special mention |  |  | — |  |  |  | — |  |  |  | 132 |  |  |  | 146 |  |  |  | 57 |  |  |  | 356 |  |  |  | — |  |  |  | — |  |  |  | 691 |
Substandard |  |  | — |  |  |  | 2,446 |  |  |  | 128 |  |  |  | 1,619 |  |  |  | 158 |  |  |  | 2,911 |  |  |  | 199 |  |  |  | — |  |  |  | 7,461 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 138,718 |  |  | $ | 275,066 |  |  | $ | 212,599 |  |  | $ | 199,656 |  |  | $ | 97,883 |  |  | $ | 215,720 |  |  | $ | 684 |  |  | $ | — |  |  | $ | 1,140,326 |
Retail Loan Portfolio Categorized by Performance Status | The following table sets forth the Company’s retail loan portfolio, categorized by performance status, as of the dates indicated (in thousands):
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |  |  |  |
|  | 2020 |  |  | 2019 |  |  | 2018 |  |  | 2017 |  |  | 2016 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total |
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 65,156 |  |  | $ | 104,978 |  |  | $ | 99,825 |  |  | $ | 78,953 |  |  | $ | 74,386 |  |  | $ | 158,745 |  |  | $ | — |  |  | $ | — |  |  | $ | 582,043 |
Nonperforming |  |  | — |  |  |  | 108 |  |  |  | 943 |  |  |  | 730 |  |  |  | 176 |  |  |  | 1,035 |  |  |  | — |  |  |  | — |  |  |  | 2,992 |
Total |  | $ | 65,156 |  |  | $ | 105,086 |  |  | $ | 100,768 |  |  | $ | 79,683 |  |  | $ | 74,562 |  |  | $ | 159,780 |  |  | $ | — |  |  | $ | — |  |  | $ | 585,035 |
Residential Real Estate Lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 86,521 |  |  | $ | 10,729 |  |  | $ | 97,250 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 46 |  |  |  | 131 |  |  |  | 177 |
Total |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 86,567 |  |  | $ | 10,860 |  |  | $ | 97,427 |
Consumer Indirect |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 131,503 |  |  | $ | 240,429 |  |  | $ | 208,797 |  |  | $ | 148,267 |  |  | $ | 68,837 |  |  | $ | 29,404 |  |  | $ | — |  |  | $ | — |  |  | $ | 827,237 |
Nonperforming |  |  | 48 |  |  |  | 123 |  |  |  | 309 |  |  |  | 179 |  |  |  | 178 |  |  |  | 31 |  |  |  | — |  |  |  | — |  |  |  | 868 |
Total |  | $ | 131,551 |  |  | $ | 240,552 |  |  | $ | 209,106 |  |  | $ | 148,446 |  |  | $ | 69,015 |  |  | $ | 29,435 |  |  | $ | — |  |  | $ | — |  |  | $ | 828,105 |
Other Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 4,515 |  |  | $ | 4,230 |  |  | $ | 2,448 |  |  | $ | 1,308 |  |  | $ | 588 |  |  | $ | 563 |  |  | $ | 2,555 |  |  | $ | — |  |  | $ | 16,207 |
Nonperforming |  |  | — |  |  |  | 16 |  |  |  | 8 |  |  |  | 5 |  |  |  | — |  |  |  | — |  |  |  | 1 |  |  |  | — |  |  |  | 30 |
Total |  | $ | 4,515 |  |  | $ | 4,246 |  |  | $ | 2,456 |  |  | $ | 1,313 |  |  | $ | 588 |  |  | $ | 563 |  |  | $ | 2,556 |  |  | $ | — |  |  | $ | 16,237 |
Changes in the Allowance for Loan Losses | The following table sets forth the changes in the allowance for credit losses - loans for the three- and six-month periods ended June 30, 2020 (in thousands):
|  | Commercial Business |  |  | Commercial Mortgage |  |  | Residential Real Estate Loans |  |  | Residential Real Estate Lines |  |  | Consumer Indirect |  |  | Other Consumer |  |  | Total |
Three months ended June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,223 |  |  | $ | 15,154 |  |  | $ | 6,170 |  |  | $ | 899 |  |  | $ | 10,645 |  |  | $ | 265 |  |  | $ | 43,356 |
Charge-offs |  |  | (25 | ) |  |  | (1,072 | ) |  |  | (2 | ) |  |  | — |  |  |  | (2,554 | ) |  |  | (70 | ) |  |  | (3,723 | )
Recoveries |  |  | 1,483 |  |  |  | — |  |  |  | 8 |  |  |  | — |  |  |  | 1,379 |  |  |  | 67 |  |  |  | 2,937 |
Provision (credit) |  |  | 718 |  |  |  | 1,584 |  |  |  | (407 | ) |  |  | 40 |  |  |  | 1,752 |  |  |  | 59 |  |  |  | 3,746 |
Ending balance |  | $ | 12,399 |  |  | $ | 15,666 |  |  | $ | 5,769 |  |  | $ | 939 |  |  | $ | 11,222 |  |  | $ | 321 |  |  | $ | 46,316 |
Six months ended June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance, prior to adoption of ASC 326 |  | $ | 11,358 |  |  | $ | 5,681 |  |  | $ | 1,059 |  |  | $ | 118 |  |  | $ | 11,852 |  |  | $ | 414 |  |  | $ | 30,482 |
Impact of adopting ASC 326 |  |  | (246 | ) |  |  | 7,310 |  |  |  | 3,290 |  |  |  | 607 |  |  |  | (1,234 | ) |  |  | (133 | ) |  |  | 9,594 |
Beginning balance, after adoption of ASC 326 |  |  | 11,112 |  |  |  | 12,991 |  |  |  | 4,349 |  |  |  | 725 |  |  |  | 10,618 |  |  |  | 281 |  |  |  | 40,076 |
Charge-offs |  |  | (8,266 | ) |  |  | (1,072 | ) |  |  | (100 | ) |  |  | — |  |  |  | (5,978 | ) |  |  | (339 | ) |  |  | (15,755 | )
Recoveries |  |  | 1,541 |  |  |  | — |  |  |  | 18 |  |  |  | 3 |  |  |  | 3,047 |  |  |  | 217 |  |  |  | 4,826 |
Provision |  |  | 8,012 |  |  |  | 3,747 |  |  |  | 1,502 |  |  |  | 211 |  |  |  | 3,535 |  |  |  | 162 |  |  |  | 17,169 |
Ending balance |  | $ | 12,399 |  |  | $ | 15,666 |  |  | $ | 5,769 |  |  | $ | 939 |  |  | $ | 11,222 |  |  | $ | 321 |  |  | $ | 46,316 |
The following table sets forth the changes in the allowance for credit losses - loans for the three- and six-month periods ended June 30, 2019 (in thousands):
|  | Commercial Business |  |  | Commercial Mortgage |  |  | Residential Real Estate Loans |  |  | Residential Real Estate Lines |  |  | Consumer Indirect |  |  | Other Consumer |  |  | Total |
Three months ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 12,167 |  |  | $ | 6,316 |  |  | $ | 1,265 |  |  | $ | 173 |  |  | $ | 13,025 |  |  | $ | 381 |  |  | $ | 33,327 |
Charge-offs |  |  | (138 | ) |  |  | (3 | ) |  |  | (87 | ) |  |  | (2 | ) |  |  | (2,700 | ) |  |  | (243 | ) |  |  | (3,173 | )
Recoveries |  |  | 128 |  |  |  | — |  |  |  | 11 |  |  |  | 3 |  |  |  | 1,678 |  |  |  | 106 |  |  |  | 1,926 |
Provision (credit) |  |  | (440 | ) |  |  | 2,477 |  |  |  | 28 |  |  |  | (29 | ) |  |  | 154 |  |  |  | 164 |  |  |  | 2,354 |
Ending balance |  | $ | 11,717 |  |  | $ | 8,790 |  |  | $ | 1,217 |  |  | $ | 145 |  |  | $ | 12,157 |  |  | $ | 408 |  |  | $ | 34,434 |
Six months ended June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 14,312 |  |  | $ | 5,219 |  |  | $ | 1,112 |  |  | $ | 210 |  |  | $ | 12,572 |  |  | $ | 489 |  |  | $ | 33,914 |
Charge-offs |  |  | (268 | ) |  |  | (3 | ) |  |  | (118 | ) |  |  | (2 | ) |  |  | (5,682 | ) |  |  | (552 | ) |  |  | (6,625 | )
Recoveries |  |  | 231 |  |  |  | 17 |  |  |  | 17 |  |  |  | 5 |  |  |  | 3,102 |  |  |  | 226 |  |  |  | 3,598 |
Provision (credit) |  |  | (2,558 | ) |  |  | 3,557 |  |  |  | 206 |  |  |  | (68 | ) |  |  | 2,165 |  |  |  | 245 |  |  |  | 3,547 |
Ending balance |  | $ | 11,717 |  |  | $ | 8,790 |  |  | $ | 1,217 |  |  | $ | 145 |  |  | $ | 12,157 |  |  | $ | 408 |  |  | $ | 34,434 |
Loans and the related allowance for credit losses - loans are presented below as of the dates indicated (in thousands):
|  | Commercial Business |  |  | Commercial Mortgage |  |  | Residential Real Estate Loans |  |  | Residential Real Estate Lines |  |  | Consumer Indirect |  |  | Other Consumer |  |  | Total |
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 594,121 |  |  | $ | 1,011,925 |  |  | $ | 535,873 |  |  | $ | 104,937 |  |  | $ | 846,829 |  |  | $ | 16,379 |  |  | $ | 3,110,064 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually |  | $ | 768 |  |  | $ | 7,274 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 8,042 |
Collectively |  | $ | 593,353 |  |  | $ | 1,004,651 |  |  | $ | 535,873 |  |  | $ | 104,937 |  |  | $ | 846,829 |  |  | $ | 16,379 |  |  | $ | 3,102,022 |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 11,717 |  |  | $ | 8,790 |  |  | $ | 1,217 |  |  | $ | 145 |  |  | $ | 12,157 |  |  | $ | 408 |  |  | $ | 34,434 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually |  | $ | 110 |  |  | $ | 2,997 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 3,107 |
Collectively |  | $ | 11,607 |  |  | $ | 5,793 |  |  | $ | 1,217 |  |  | $ | 145 |  |  | $ | 12,157 |  |  | $ | 408 |  |  | $ | 31,327 |

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