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Loans (Tables) | 12 Months Ended
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Dec. 31, 2020
Loans And Leases Receivable Disclosure [Abstract] |
Loan Portfolio | The Company’s loan portfolio consisted of the following at December 31 (in thousands):
|  | Principal Amount Outstanding |  |  | Net Deferred Loan (Fees) Costs |  |  | Loans, Net |
2020 |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 798,409 |  |  | $ | (4,261 | ) |  | $ | 794,148 |
Commercial mortgage |  |  | 1,256,525 |  |  |  | (2,624 | ) |  |  | 1,253,901 |
Residential real estate loans |  |  | 586,537 |  |  |  | 13,263 |  |  |  | 599,800 |
Residential real estate lines |  |  | 86,708 |  |  |  | 3,097 |  |  |  | 89,805 |
Consumer indirect |  |  | 812,816 |  |  |  | 27,605 |  |  |  | 840,421 |
Other consumer |  |  | 16,913 |  |  |  | 150 |  |  |  | 17,063 |
Total |  | $ | 3,557,908 |  |  | $ | 37,230 |  |  |  | 3,595,138 |
Allowance for credit losses - loans |  |  |  |  |  |  |  |  |  |  | (52,420 | )
Total loans, net |  |  |  |  |  |  |  |  |  | $ | 3,542,718 |
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 loan losses |  |  |  |  |  |  |  |  |  |  | (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 December 31 (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 |
2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 264 |  |  | $ | 87 |  |  | $ | - |  |  | $ | 351 |  |  | $ | 1,975 |  |  | $ | 796,083 |  |  | $ | 798,409 |  |  | $ | 1,502 |
Commercial mortgage |  |  | 822 |  |  |  | 26 |  |  |  | - |  |  |  | 848 |  |  |  | 2,906 |  |  |  | 1,252,771 |  |  |  | 1,256,525 |  |  |  | 2,709 |
Residential real estate loans |  |  | 984 |  |  |  | 60 |  |  |  | - |  |  |  | 1,044 |  |  |  | 2,587 |  |  |  | 582,906 |  |  |  | 586,537 |  |  |  | 2,587 |
Residential real estate lines |  |  | 40 |  |  |  | 15 |  |  |  | - |  |  |  | 55 |  |  |  | 323 |  |  |  | 86,330 |  |  |  | 86,708 |  |  |  | 323 |
Consumer indirect |  |  | 3,966 |  |  |  | 1,348 |  |  |  | - |  |  |  | 5,314 |  |  |  | 1,495 |  |  |  | 806,007 |  |  |  | 812,816 |  |  |  | 1,495 |
Other consumer |  |  | 133 |  |  |  | 18 |  |  |  | 231 |  |  |  | 382 |  |  |  | - |  |  |  | 16,531 |  |  |  | 16,913 |  |  |  | - |
Total loans, gross |  | $ | 6,209 |  |  | $ | 1,554 |  |  | $ | 231 |  |  | $ | 7,994 |  |  | $ | 9,286 |  |  | $ | 3,540,628 |  |  | $ | 3,557,908 |  |  | $ | 8,616 |
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 |  |  |  |  |
Summary of Collateral Dependent Loans | The following table presents the amortized cost basis of collateral dependent loans by collateral type as of December 31, 2020 (in thousands):
|  | Collateral type |  |  |  |  |  |  |  |  |
|  | Business assets |  |  | Real property |  |  | Total |  |  | Specific Reserve |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 2,379 |  |  | $ | — |  |  | $ | 2,379 |  |  | $ | 1,383 |
Commercial mortgage |  |  | — |  |  |  | 36,625 |  |  |  | 36,625 |  |  |  | 8,187 |
Total |  | $ | 2,379 |  |  | $ | 36,625 |  |  | $ | 39,004 |  |  | $ | 9,570 |
Summary Of Impaired Loans | The following table presents the recorded investment, unpaid principal balance and related allowance of impaired loans as well as average recorded investment and interest income recognized on impaired loans at December 31, 2019 (in thousands):
|  | Recorded Investment (1) |  |  | Unpaid Principal Balance (1) |  |  | Related Allowance |  |  | Average Recorded Investment |  |  | Interest Income Recognized |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 563 |  |  | $ | 775 |  |  | $ | - |  |  | $ | 411 |  |  | $ | - |
Commercial mortgage |  |  | 973 |  |  |  | 1,749 |  |  |  | - |  |  |  | 1,701 |  |  |  | - |
|  |  | 1,536 |  |  |  | 2,524 |  |  |  | - |  |  |  | 2,112 |  |  |  | - |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  |  | 614 |  |  |  | 614 |  |  |  | 214 |  |  |  | 1,207 |  |  |  | - |
Commercial mortgage |  |  | 2,173 |  |  |  | 2,173 |  |  |  | 479 |  |  |  | 1,825 |  |  |  | - |
|  |  | 2,787 |  |  |  | 2,787 |  |  |  | 693 |  |  |  | 3,032 |  |  |  | - |
|  | $ | 4,323 |  |  | $ | 5,311 |  |  | $ | 693 |  |  | $ | 5,144 |  |  | $ | - |
(1) Difference between recorded investment and unpaid principal balance represents partial charge-offs.
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 December 31 (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 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Uncriticized |  | $ | 350,992 |  |  | $ | 112,469 |  |  | $ | 82,029 |  |  | $ | 31,990 |  |  | $ | 8,195 |  |  | $ | 16,600 |  |  | $ | 179,770 |  |  | $ | - |  |  | $ | 782,045 |
Special mention |  |  | - |  |  |  | 360 |  |  |  | 21 |  |  |  | 709 |  |  |  | 41 |  |  |  | 1,025 |  |  |  | 2,995 |  |  |  | - |  |  |  | 5,151 |
Substandard |  |  | 193 |  |  |  | 211 |  |  |  | 1,183 |  |  |  | 464 |  |  |  | 202 |  |  |  | 309 |  |  |  | 4,390 |  |  |  | - |  |  |  | 6,952 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 351,185 |  |  | $ | 113,040 |  |  | $ | 83,233 |  |  | $ | 33,163 |  |  | $ | 8,438 |  |  | $ | 17,934 |  |  | $ | 187,155 |  |  | $ | - |  |  | $ | 794,148 |
Commercial Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Uncriticized |  | $ | 310,364 |  |  | $ | 227,406 |  |  | $ | 163,839 |  |  | $ | 161,771 |  |  | $ | 74,915 |  |  | $ | 154,399 |  |  | $ | 731 |  |  | $ | - |  |  | $ | 1,093,425 |
Special mention |  |  | 14,299 |  |  |  | 42,305 |  |  |  | 19,505 |  |  |  | 27,530 |  |  |  | 12,256 |  |  |  | 28,744 |  |  |  | 43 |  |  |  | - |  |  |  | 144,682 |
Substandard |  |  | 189 |  |  |  | 2,521 |  |  |  | 1,890 |  |  |  | 1,648 |  |  |  | 3 |  |  |  | 9,344 |  |  |  | 199 |  |  |  | - |  |  |  | 15,794 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 324,852 |  |  | $ | 272,232 |  |  | $ | 185,234 |  |  | $ | 190,949 |  |  | $ | 87,174 |  |  | $ | 192,487 |  |  | $ | 973 |  |  | $ | - |  |  | $ | 1,253,901 |
Retail Loan Portfolio Categorized by Performance Status | The following table sets forth the Company’s retail loan portfolio, categorized by payment status, as of December 31 (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 |
December 31, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 137,926 |  |  | $ | 103,923 |  |  | $ | 87,153 |  |  | $ | 66,446 |  |  | $ | 67,473 |  |  | $ | 134,292 |  |  | $ | - |  |  | $ | - |  |  | $ | 597,213 |
Nonperforming |  |  | - |  |  |  | 199 |  |  |  | 765 |  |  |  | 665 |  |  |  | 233 |  |  |  | 725 |  |  |  | - |  |  |  | - |  |  |  | 2,587 |
Total |  | $ | 137,926 |  |  | $ | 104,122 |  |  | $ | 87,918 |  |  | $ | 67,111 |  |  | $ | 67,706 |  |  | $ | 135,017 |  |  | $ | - |  |  | $ | - |  |  | $ | 599,800 |
Residential Real Estate Lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 79,257 |  |  | $ | 10,225 |  |  | $ | 89,482 |
Nonperforming |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 65 |  |  |  | 258 |  |  |  | 323 |
Total |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 79,322 |  |  | $ | 10,483 |  |  | $ | 89,805 |
Consumer Indirect |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 295,216 |  |  | $ | 202,187 |  |  | $ | 166,773 |  |  | $ | 111,008 |  |  | $ | 47,793 |  |  | $ | 15,949 |  |  | $ | - |  |  | $ | - |  |  | $ | 838,926 |
Nonperforming |  |  | 70 |  |  |  | 652 |  |  |  | 319 |  |  |  | 287 |  |  |  | 132 |  |  |  | 35 |  |  |  | - |  |  |  | - |  |  |  | 1,495 |
Total |  | $ | 295,286 |  |  | $ | 202,839 |  |  | $ | 167,092 |  |  | $ | 111,295 |  |  | $ | 47,925 |  |  | $ | 15,984 |  |  | $ | - |  |  | $ | - |  |  | $ | 840,421 |
Other Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 6,774 |  |  | $ | 3,177 |  |  | $ | 1,765 |  |  | $ | 907 |  |  | $ | 369 |  |  | $ | 508 |  |  | $ | 3,563 |  |  | $ | - |  |  | $ | 17,063 |
Nonperforming |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 6,774 |  |  | $ | 3,177 |  |  | $ | 1,765 |  |  | $ | 907 |  |  | $ | 369 |  |  | $ | 508 |  |  | $ | 3,563 |  |  | $ | - |  |  | $ | 17,063 |
Changes in the Allowance for Loan Losses | The following tables set forth the changes in the allowance for credit losses - loans for the years ended December 31 (in thousands):
|  | Commercial Business |  |  | Commercial Mortgage |  |  | Residential Real Estate Loans |  |  | Residential Real Estate Lines |  |  | Consumer Indirect |  |  | Other Consumer |  |  | Total |
2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses - loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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 |  |  | (9,093 | ) |  |  | (1,792 | ) |  |  | (100 | ) |  |  | - |  |  |  | (9,959 | ) |  |  | (681 | ) |  |  | (21,625 | )
Recoveries |  |  | 1,709 |  |  |  | 37 |  |  |  | 28 |  |  |  | 3 |  |  |  | 5,681 |  |  |  | 352 |  |  |  | 7,810 |
Provision (credit) |  |  | 9,852 |  |  |  | 10,527 |  |  |  | (353 | ) |  |  | (54 | ) |  |  | 5,825 |  |  |  | 362 |  |  |  | 26,159 |
Ending balance |  | $ | 13,580 |  |  | $ | 21,763 |  |  | $ | 3,924 |  |  | $ | 674 |  |  | $ | 12,165 |  |  | $ | 314 |  |  | $ | 52,420 |
2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 14,312 |  |  | $ | 5,219 |  |  | $ | 1,112 |  |  | $ | 210 |  |  | $ | 12,572 |  |  | $ | 489 |  |  | $ | 33,914 |
Charge-offs |  |  | (2,481 | ) |  |  | (2,997 | ) |  |  | (340 | ) |  |  | (13 | ) |  |  | (10,810 | ) |  |  | (1,170 | ) |  |  | (17,811 | )
Recoveries |  |  | 492 |  |  |  | 17 |  |  |  | 43 |  |  |  | 6 |  |  |  | 5,390 |  |  |  | 387 |  |  |  | 6,335 |
Provision (credit) |  |  | (965 | ) |  |  | 3,442 |  |  |  | 244 |  |  |  | (85 | ) |  |  | 4,700 |  |  |  | 708 |  |  |  | 8,044 |
Ending balance |  | $ | 11,358 |  |  | $ | 5,681 |  |  | $ | 1,059 |  |  | $ | 118 |  |  | $ | 11,852 |  |  | $ | 414 |  |  | $ | 30,482 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually |  | $ | 214 |  |  | $ | 479 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 693 |
Collectively |  | $ | 11,144 |  |  | $ | 5,202 |  |  | $ | 1,059 |  |  | $ | 118 |  |  | $ | 11,852 |  |  | $ | 414 |  |  | $ | 29,789 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 571,222 |  |  | $ | 1,108,315 |  |  | $ | 560,717 |  |  | $ | 101,048 |  |  | $ | 822,179 |  |  | $ | 15,984 |  |  | $ | 3,179,465 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually |  | $ | 1,177 |  |  | $ | 3,146 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 4,323 |
Collectively |  | $ | 570,045 |  |  | $ | 1,105,169 |  |  | $ | 560,717 |  |  | $ | 101,048 |  |  | $ | 822,179 |  |  | $ | 15,984 |  |  | $ | 3,175,142 |
|  | Commercial Business |  |  | Commercial Mortgage |  |  | Residential Mortgage |  |  | Home Equity |  |  | Consumer Indirect |  |  | Other Consumer |  |  | Total |
2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 15,668 |  |  | $ | 3,696 |  |  | $ | 1,322 |  |  | $ | 180 |  |  | $ | 13,415 |  |  | $ | 391 |  |  |  | 34,672 |
Charge-offs |  |  | (2,319 | ) |  |  | (1,020 | ) |  |  | (95 | ) |  |  | (142 | ) |  |  | (10,850 | ) |  |  | (1,308 | ) |  |  | (15,734 | )
Recoveries |  |  | 509 |  |  |  | 13 |  |  |  | 159 |  |  |  | 20 |  |  |  | 5,024 |  |  |  | 317 |  |  |  | 6,042 |
Provision |  |  | 454 |  |  |  | 2,530 |  |  |  | (274 | ) |  |  | 152 |  |  |  | 4,983 |  |  |  | 1,089 |  |  |  | 8,934 |
Ending balance |  | $ | 14,312 |  |  | $ | 5,219 |  |  | $ | 1,112 |  |  | $ | 210 |  |  | $ | 12,572 |  |  | $ | 489 |  |  | $ | 33,914 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually |  | $ | 205 |  |  | $ | 1 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 206 |
Collectively |  | $ | 14,107 |  |  | $ | 5,218 |  |  | $ | 1,112 |  |  | $ | 210 |  |  | $ | 12,572 |  |  | $ | 489 |  |  | $ | 33,708 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance |  | $ | 557,040 |  |  | $ | 960,265 |  |  | $ | 514,981 |  |  | $ | 106,712 |  |  | $ | 888,732 |  |  | $ | 16,590 |  |  | $ | 3,044,320 |
Evaluated for impairment: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually |  | $ | 1,044 |  |  | $ | 2,034 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 3,078 |
Collectively |  | $ | 555,996 |  |  | $ | 958,231 |  |  | $ | 514,981 |  |  | $ | 106,712 |  |  | $ | 888,732 |  |  | $ | 16,590 |  |  | $ | 3,041,242 |

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