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Loans (Tables) | 9 Months Ended
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Sep. 30, 2023
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 |
September 30, 2023 |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 710,795 |  |  | $ | 743 |  |  | $ | 711,538 |
Commercial mortgage |  |  | 1,989,357 |  |  |  | (4,078 | ) |  |  | 1,985,279 |
Residential real estate loans |  |  | 621,913 |  |  |  | 13,296 |  |  |  | 635,209 |
Residential real estate lines |  |  | 73,341 |  |  |  | 3,381 |  |  |  | 76,722 |
Consumer indirect |  |  | 947,035 |  |  |  | 35,102 |  |  |  | 982,137 |
Other consumer |  |  | 40,319 |  |  |  | (38 | ) |  |  | 40,281 |
Total |  | $ | 4,382,760 |  |  | $ | 48,406 |  |  |  | 4,431,166 |
Allowance for credit losses – loans |  |  |  |  |  |  |  |  | (49,630 | )
Total loans, net |  |  |  |  |  |  |  | $ | 4,381,536 |
December 31, 2022 |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 663,611 |  |  | $ | 638 |  |  | $ | 664,249 |
Commercial mortgage |  |  | 1,683,814 |  |  |  | (3,974 | ) |  |  | 1,679,840 |
Residential real estate loans |  |  | 576,279 |  |  |  | 13,681 |  |  |  | 589,960 |
Residential real estate lines |  |  | 74,432 |  |  |  | 3,238 |  |  |  | 77,670 |
Consumer indirect |  |  | 985,580 |  |  |  | 38,040 |  |  |  | 1,023,620 |
Other consumer |  |  | 15,002 |  |  |  | 108 |  |  |  | 15,110 |
Total |  | $ | 3,998,718 |  |  | $ | 51,731 |  |  |  | 4,050,449 |
Allowance for credit losses – loans |  |  |  |  |  |  |  |  | (45,413 | )
Total loans, net |  |  |  |  |  |  |  | $ | 4,005,036 |
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 |
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 30 |  |  | $ | 56 |  |  | $ | — |  |  | $ | 86 |  |  | $ | 254 |  |  | $ | 710,455 |  |  | $ | 710,795 |  |  | $ | 169 |
Commercial mortgage |  |  | 8,685 |  |  |  | 3,014 |  |  |  | — |  |  |  | 11,699 |  |  |  | 686 |  |  |  | 1,976,972 |  |  |  | 1,989,357 |  |  |  | 686 |
Residential real estate loans |  |  | 2,237 |  |  |  | — |  |  |  | — |  |  |  | 2,237 |  |  |  | 4,992 |  |  |  | 614,684 |  |  |  | 621,913 |  |  |  | 4,992 |
Residential real estate lines |  |  | 64 |  |  |  | — |  |  |  | — |  |  |  | 64 |  |  |  | 201 |  |  |  | 73,076 |  |  |  | 73,341 |  |  |  | 201 |
Consumer indirect |  |  | 11,290 |  |  |  | 2,893 |  |  |  | — |  |  |  | 14,183 |  |  |  | 3,382 |  |  |  | 929,470 |  |  |  | 947,035 |  |  |  | 3,382 |
Other consumer |  |  | 74 |  |  |  | 1 |  |  |  | 6 |  |  |  | 81 |  |  |  | — |  |  |  | 40,238 |  |  |  | 40,319 |  |  |  | — |
Total loans, gross |  | $ | 22,380 |  |  | $ | 5,964 |  |  | $ | 6 |  |  | $ | 28,350 |  |  | $ | 9,515 |  |  | $ | 4,344,895 |  |  | $ | 4,382,760 |  |  | $ | 9,430 |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 176 |  |  | $ | 10 |  |  | $ | — |  |  | $ | 186 |  |  | $ | 340 |  |  | $ | 663,085 |  |  | $ | 663,611 |  |  | $ | 233 |
Commercial mortgage |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2,564 |  |  |  | 1,681,250 |  |  |  | 1,683,814 |  |  |  | 659 |
Residential real estate loans |  |  | 1,306 |  |  |  | 28 |  |  |  | — |  |  |  | 1,334 |  |  |  | 4,071 |  |  |  | 570,874 |  |  |  | 576,279 |  |  |  | 4,071 |
Residential real estate lines |  |  | 264 |  |  |  | 102 |  |  |  | — |  |  |  | 366 |  |  |  | 142 |  |  |  | 73,924 |  |  |  | 74,432 |  |  |  | 142 |
Consumer indirect |  |  | 12,637 |  |  |  | 2,073 |  |  |  | — |  |  |  | 14,710 |  |  |  | 3,079 |  |  |  | 967,791 |  |  |  | 985,580 |  |  |  | 3,079 |
Other consumer |  |  | 111 |  |  |  | 1 |  |  |  | 1 |  |  |  | 113 |  |  |  | 1 |  |  |  | 14,888 |  |  |  | 15,002 |  |  |  | 1 |
Total loans, gross |  | $ | 14,494 |  |  | $ | 2,214 |  |  | $ | 1 |  |  | $ | 16,709 |  |  | $ | 10,197 |  |  | $ | 3,971,812 |  |  | $ | 3,998,718 |  |  | $ | 8,185 |
Amortized Cost basis of Loans Modified to Borrowers Experiencing Financial Difficulty | The following table presents the amortized cost basis of loans modified to borrowers experiencing financial difficulty, disaggregated by loan class and type of concession granted as of September 30, 2023 (in thousands):
|  | Term Extension |
|  | Amortized Cost Basis |  |  | % of Total Loans |
Loan Type |  |  |  |  |  |
Commercial business |  | $ | - |  |  |  | 0.00 | %
Commercial mortgage |  |  | - |  |  |  | 0.00 | %
Residential real estate loans |  |  | 335 |  |  |  | 0.05 | %
Residential real estate lines |  |  | - |  |  |  | 0.00 | %
Consumer indirect |  |  | - |  |  |  | 0.00 | %
Other consumer |  |  | - |  |  |  | 0.00 | %
Total |  | $ | 335 |  |  |  | 0.01 | %
Financial Effect of the Modifications Made to Borrowers Experiencing Financial Difficulty | The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty:
Term Extension
Loan Type |  | Financial Effect
Residential real estate loans |  | Added a weighted average 10.0 years to the life of the loans, which reduced monthly payment amount for the borrower.
Performance of Loans that are Modified to Borrowers Experiencing Financial Difficulty | The following table depicts the performance of loans that have been modified in the nine months ended September 30, 2023 (in thousands):
|  | Payment Status (Amortized Cost Basis) |
|  | Current |  |  | 30-89 Days Past Due |  |  | 90+ Days Past Due |
Loan Type |  |  |  |  |  |  |  |  |
Commercial business |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial mortgage |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate loans |  |  | 80 |  |  |  | 158 |  |  |  | 97 |
Residential real estate lines |  |  | - |  |  |  | - |  |  |  | - |
Consumer indirect |  |  | - |  |  |  | - |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 80 |  |  | $ | 158 |  |  | $ | 97 |
Summary of Collateral Dependent Loans | The following table presents the amortized cost basis of collateral dependent loans by collateral type as of September 30, 2023 and December 31, 2022 (in thousands):
|  | Collateral type |  |  |  |  |  |  |
|  | Business assets |  |  | Real property |  |  | Total |  |  | Specific Reserve |
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 11,901 |  |  | $ | — |  |  | $ | 11,901 |  |  | $ | 1,533 |
Commercial mortgage |  |  | 105 |  |  |  | 20,296 |  |  |  | 20,401 |  |  |  | 645 |
Total |  | $ | 12,006 |  |  | $ | 20,296 |  |  | $ | 32,302 |  |  | $ | 2,178 |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 147 |  |  | $ | 993 |  |  | $ | 1,140 |  |  | $ | 126 |
Commercial mortgage |  |  | — |  |  |  | 21,592 |  |  |  | 21,592 |  |  |  | 1,152 |
Total |  | $ | 147 |  |  | $ | 22,585 |  |  | $ | 22,732 |  |  | $ | 1,278 |
Commercial Loan Portfolio Categorized by Internally Assigned Asset Classification | The following tables set 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 |  |  |  |  |  |  |  |  |  |
|  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total |
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Business: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Uncriticized |  | $ | 76,916 |  |  | $ | 139,811 |  |  | $ | 84,553 |  |  | $ | 37,819 |  |  | $ | 22,265 |  |  | $ | 57,698 |  |  | $ | 246,765 |  |  | $ | — |  |  | $ | 665,827 |
Special mention |  |  | 7,129 |  |  |  | 5,056 |  |  |  | 2,502 |  |  |  | 12,841 |  |  |  | 81 |  |  |  | 47 |  |  |  | 2,801 |  |  |  | — |  |  |  | 30,457 |
Substandard |  |  | 2,042 |  |  |  | 41 |  |  |  | 55 |  |  |  | — |  |  |  | 60 |  |  |  | 1,258 |  |  |  | 11,798 |  |  |  | — |  |  |  | 15,254 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total Commercial Business loans |  | $ | 86,087 |  |  | $ | 144,908 |  |  | $ | 87,110 |  |  | $ | 50,660 |  |  | $ | 22,406 |  |  | $ | 59,003 |  |  | $ | 261,364 |  |  | $ | — |  |  | $ | 711,538 |
Current period gross write-offs |  | $ | — |  |  | $ | 5 |  |  | $ | 3 |  |  | $ | 12 |  |  | $ | 8 |  |  | $ | 235 |  |  | $ | — |  |  | $ | — |  |  | $ | 263 |
Commercial Mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Uncriticized |  | $ | 289,493 |  |  | $ | 571,684 |  |  | $ | 365,629 |  |  | $ | 234,150 |  |  | $ | 152,261 |  |  | $ | 316,695 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,929,912 |
Special mention |  |  | 2,300 |  |  |  | 339 |  |  |  | 4,140 |  |  |  | 9,176 |  |  |  | — |  |  |  | 16,373 |  |  |  | — |  |  |  | — |  |  |  | 32,328 |
Substandard |  |  | 3,425 |  |  |  | 497 |  |  |  | 518 |  |  |  | 1,036 |  |  |  | 190 |  |  |  | 17,373 |  |  |  | — |  |  |  | — |  |  |  | 23,039 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total Commercial Mortgage loans |  | $ | 295,218 |  |  | $ | 572,520 |  |  | $ | 370,287 |  |  | $ | 244,362 |  |  | $ | 152,451 |  |  | $ | 350,441 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,985,279 |
Current period gross write-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 18 |  |  | $ | — |  |  | $ | — |  |  | $ | 18 |
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |
|  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Business |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Uncriticized |  | $ | 146,581 |  |  | $ | 105,001 |  |  | $ | 61,115 |  |  | $ | 29,644 |  |  | $ | 39,625 |  |  | $ | 21,467 |  |  | $ | 244,848 |  |  | $ | — |  |  | $ | 648,281 |
Special mention |  |  | 238 |  |  |  | 2,351 |  |  |  | 8,736 |  |  |  | 7 |  |  |  | 5 |  |  |  | — |  |  |  | 1,809 |  |  |  | — |  |  |  | 13,146 |
Substandard |  |  | — |  |  |  | 72 |  |  |  | — |  |  |  | 42 |  |  |  | 516 |  |  |  | 1,034 |  |  |  | 1,158 |  |  |  | — |  |  |  | 2,822 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 146,819 |  |  | $ | 107,424 |  |  | $ | 69,851 |  |  | $ | 29,693 |  |  | $ | 40,146 |  |  | $ | 22,501 |  |  | $ | 247,815 |  |  | $ | — |  |  | $ | 664,249 |
Commercial Mortgage |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Uncriticized |  | $ | 464,863 |  |  | $ | 380,138 |  |  | $ | 260,463 |  |  | $ | 171,918 |  |  | $ | 116,770 |  |  | $ | 248,771 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,642,923 |
Special mention |  |  | — |  |  |  | — |  |  |  | 2,319 |  |  |  | 136 |  |  |  | — |  |  |  | 11,784 |  |  |  | — |  |  |  | — |  |  |  | 14,239 |
Substandard |  |  | 2,987 |  |  |  | 202 |  |  |  | 105 |  |  |  | 78 |  |  |  | 10,104 |  |  |  | 9,202 |  |  |  | — |  |  |  | — |  |  |  | 22,678 |
Doubtful |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 467,850 |  |  | $ | 380,340 |  |  | $ | 262,887 |  |  | $ | 172,132 |  |  | $ | 126,874 |  |  | $ | 269,757 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,679,840 |
Retail Loan Portfolio Categorized by Performance Status | The following tables set 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 |  |  |  |  |  |  |  |  |  |
|  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total |
September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 94,045 |  |  | $ | 79,520 |  |  | $ | 79,578 |  |  | $ | 109,822 |  |  | $ | 69,564 |  |  | $ | 197,688 |  |  | $ | — |  |  | $ | — |  |  | $ | 630,217 |
Nonperforming |  |  | — |  |  |  | 102 |  |  |  | 1,284 |  |  |  | 744 |  |  |  | 840 |  |  |  | 2,022 |  |  |  | — |  |  |  | — |  |  |  | 4,992 |
Total Residential Real Estate Loans |  | $ | 94,045 |  |  | $ | 79,622 |  |  | $ | 80,862 |  |  | $ | 110,566 |  |  | $ | 70,404 |  |  | $ | 199,710 |  |  | $ | — |  |  | $ | — |  |  | $ | 635,209 |
Current period gross write-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 32 |  |  | $ | 70 |  |  | $ | — |  |  | $ | — |  |  | $ | 102 |
Residential Real Estate Lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 71,149 |  |  | $ | 5,372 |  |  | $ | 76,521 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 31 |  |  |  | 170 |  |  |  | 201 |
Total Residential Real Estate Lines |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 71,180 |  |  | $ | 5,542 |  |  | $ | 76,722 |
Current period gross write-offs |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 28 |  |  | $ | 13 |  |  | $ | 41 |
Consumer Indirect |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 201,305 |  |  | $ | 361,192 |  |  | $ | 255,880 |  |  | $ | 89,404 |  |  | $ | 37,256 |  |  | $ | 33,718 |  |  | $ | — |  |  | $ | — |  |  | $ | 978,755 |
Nonperforming |  |  | 643 |  |  |  | 1,105 |  |  |  | 1,064 |  |  |  | 300 |  |  |  | 149 |  |  |  | 121 |  |  |  | — |  |  |  | — |  |  |  | 3,382 |
Total Consumer Indirect Loans |  | $ | 201,948 |  |  | $ | 362,297 |  |  | $ | 256,944 |  |  | $ | 89,704 |  |  | $ | 37,405 |  |  | $ | 33,839 |  |  | $ | — |  |  | $ | — |  |  | $ | 982,137 |
Current period gross write-offs |  | $ | 342 |  |  | $ | 4,331 |  |  | $ | 4,254 |  |  | $ | 1,343 |  |  | $ | 1,018 |  |  | $ | 1,189 |  |  | $ | — |  |  | $ | — |  |  | $ | 12,477 |
Other Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 29,304 |  |  | $ | 4,453 |  |  | $ | 1,680 |  |  | $ | 1,171 |  |  | $ | 311 |  |  | $ | 644 |  |  | $ | 2,712 |  |  | $ | — |  |  | $ | 40,275 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 6 |  |  |  | — |  |  |  | 6 |
Total Other Consumer Loans |  | $ | 29,304 |  |  | $ | 4,453 |  |  | $ | 1,680 |  |  | $ | 1,171 |  |  | $ | 311 |  |  | $ | 644 |  |  | $ | 2,718 |  |  | $ | — |  |  | $ | 40,281 |
Current period gross write-offs |  | $ | 713 |  |  | $ | 122 |  |  | $ | 105 |  |  | $ | 32 |  |  | $ | 28 |  |  | $ | 19 |  |  | $ | 45 |  |  | $ | — |  |  | $ | 1,064 |
(5.) LOANS (Continued)
|  | Term Loans Amortized Cost Basis by Origination Year |  |  |  |  |  |  |  |  |  |
|  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total |
December 31, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 79,882 |  |  | $ | 85,821 |  |  | $ | 118,819 |  |  | $ | 76,437 |  |  | $ | 55,520 |  |  | $ | 169,410 |  |  | $ | — |  |  | $ | — |  |  | $ | 585,889 |
Nonperforming |  |  | — |  |  |  | 305 |  |  |  | 510 |  |  |  | 795 |  |  |  | 677 |  |  |  | 1,784 |  |  |  | — |  |  |  | — |  |  |  | 4,071 |
Total |  | $ | 79,882 |  |  | $ | 86,126 |  |  | $ | 119,329 |  |  | $ | 77,232 |  |  | $ | 56,197 |  |  | $ | 171,194 |  |  | $ | — |  |  | $ | — |  |  | $ | 589,960 |
Residential Real Estate Lines |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 70,942 |  |  | $ | 6,586 |  |  | $ | 77,528 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 34 |  |  |  | 108 |  |  |  | 142 |
Total |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 70,976 |  |  | $ | 6,694 |  |  | $ | 77,670 |
Consumer Indirect |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 440,332 |  |  | $ | 331,902 |  |  | $ | 126,664 |  |  | $ | 59,981 |  |  | $ | 39,352 |  |  | $ | 22,310 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,020,541 |
Nonperforming |  |  | 748 |  |  |  | 1,209 |  |  |  | 432 |  |  |  | 381 |  |  |  | 205 |  |  |  | 104 |  |  |  | — |  |  |  | — |  |  |  | 3,079 |
Total |  | $ | 441,080 |  |  | $ | 333,111 |  |  | $ | 127,096 |  |  | $ | 60,362 |  |  | $ | 39,557 |  |  | $ | 22,414 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,023,620 |
Other Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 6,463 |  |  | $ | 2,664 |  |  | $ | 2,043 |  |  | $ | 761 |  |  | $ | 213 |  |  | $ | 308 |  |  | $ | 2,656 |  |  | $ | — |  |  | $ | 15,108 |
Nonperforming |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | 2 |
Total |  | $ | 6,463 |  |  | $ | 2,664 |  |  | $ | 2,043 |  |  | $ | 761 |  |  | $ | 213 |  |  | $ | 308 |  |  | $ | 2,658 |  |  | $ | — |  |  | $ | 15,110 |
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 nine months ended September 30, 2023 and 2022 (in thousands):
|  | Commercial Business |  |  | Commercial Mortgage |  |  | Residential Real Estate Loans |  |  | Residential Real Estate Lines |  |  | Consumer Indirect |  |  | Other Consumer |  |  | Total |
Three months ended September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses – loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 13,418 |  |  | $ | 16,826 |  |  | $ | 4,646 |  |  | $ | 710 |  |  | $ | 13,306 |  |  | $ | 930 |  |  | $ | 49,836 |
Charge-offs |  |  | (146 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (4,848 | ) |  |  | (344 | ) |  |  | (5,338 | )
Recoveries |  |  | 114 |  |  |  | 972 |  |  |  | 4 |  |  |  | — |  |  |  | 2,565 |  |  |  | 85 |  |  |  | 3,740 |
(Benefit) provision |  |  | (600 | ) |  |  | (1,521 | ) |  |  | (791 | ) |  |  | (173 | ) |  |  | 3,583 |  |  |  | 894 |  |  |  | 1,392 |
Ending balance |  | $ | 12,786 |  |  | $ | 16,277 |  |  | $ | 3,859 |  |  | $ | 537 |  |  | $ | 14,606 |  |  | $ | 1,565 |  |  | $ | 49,630 |
Nine months ended September 30, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 12,585 |  |  | $ | 14,412 |  |  | $ | 3,301 |  |  | $ | 608 |  |  | $ | 14,238 |  |  | $ | 269 |  |  | $ | 45,413 |
Charge-offs |  |  | (263 | ) |  |  | (18 | ) |  |  | (102 | ) |  |  | (41 | ) |  |  | (12,477 | ) |  |  | (1,064 | ) |  |  | (13,965 | )
Recoveries |  |  | 322 |  |  |  | 976 |  |  |  | 35 |  |  |  | — |  |  |  | 8,056 |  |  |  | 253 |  |  |  | 9,642 |
Provision (benefit) |  |  | 142 |  |  |  | 907 |  |  |  | 625 |  |  |  | (30 | ) |  |  | 4,789 |  |  |  | 2,107 |  |  |  | 8,540 |
Ending balance |  | $ | 12,786 |  |  | $ | 16,277 |  |  | $ | 3,859 |  |  | $ | 537 |  |  | $ | 14,606 |  |  | $ | 1,565 |  |  | $ | 49,630 |
|  | Commercial Business |  |  | Commercial Mortgage |  |  | Residential Real Estate Loans |  |  | Residential Real Estate Lines |  |  | Consumer Indirect |  |  | Other Consumer |  |  | Total |
Three months ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for credit losses – loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 10,140 |  |  | $ | 12,064 |  |  | $ | 2,140 |  |  | $ | 509 |  |  | $ | 17,332 |  |  | $ | 267 |  |  | $ | 42,452 |
Charge-offs |  |  | (20 | ) |  |  | — |  |  |  | — |  |  |  | (38 | ) |  |  | (4,058 | ) |  |  | (398 | ) |  |  | (4,514 | )
Recoveries |  |  | 116 |  |  |  | 1 |  |  |  | 4 |  |  |  | 3 |  |  |  | 2,168 |  |  |  | 69 |  |  |  | 2,361 |
Provision (benefit) |  |  | 1,288 |  |  |  | 2,054 |  |  |  | 210 |  |  |  | 180 |  |  |  | (260 | ) |  |  | 335 |  |  |  | 3,807 |
Ending balance |  | $ | 11,524 |  |  | $ | 14,119 |  |  | $ | 2,354 |  |  | $ | 654 |  |  | $ | 15,182 |  |  | $ | 273 |  |  | $ | 44,106 |
Nine months ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  | 11,099 |  |  |  | 14,777 |  |  |  | 1,604 |  |  |  | 379 |  |  |  | 11,611 |  |  |  | 206 |  |  |  | 39,676 |
Charge-offs |  |  | (262 | ) |  |  | — |  |  |  | (56 | ) |  |  | (38 | ) |  |  | (9,216 | ) |  |  | (1,083 | ) |  |  | (10,655 | )
Recoveries |  |  | 305 |  |  |  | 2,020 |  |  |  | 19 |  |  |  | 20 |  |  |  | 6,129 |  |  |  | 262 |  |  |  | 8,755 |
Provision (benefit) |  |  | 382 |  |  |  | (2,678 | ) |  |  | 787 |  |  |  | 293 |  |  |  | 6,658 |  |  |  | 888 |  |  |  | 6,330 |
Ending balance |  | $ | 11,524 |  |  | $ | 14,119 |  |  | $ | 2,354 |  |  | $ | 654 |  |  | $ | 15,182 |  |  | $ | 273 |  |  | $ | 44,106 |

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