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Loans (Tables) | 12 Months Ended
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Dec. 31, 2023
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 |
2023 |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 734,947 |  |  | $ | 753 |  |  | $ | 735,700 |
Commercial mortgage |  |  | 2,009,269 |  |  |  | (3,950 | ) |  |  | 2,005,319 |
Residential real estate loans |  |  | 637,173 |  |  |  | 12,649 |  |  |  | 649,822 |
Residential real estate lines |  |  | 73,972 |  |  |  | 3,395 |  |  |  | 77,367 |
Consumer indirect |  |  | 915,723 |  |  |  | 33,108 |  |  |  | 948,831 |
Other consumer |  |  | 45,167 |  |  |  | (67 | ) |  |  | 45,100 |
Total |  | $ | 4,416,251 |  |  | $ | 45,888 |  |  |  | 4,462,139 |
Allowance for credit losses – loans |  |  |  |  |  |  |  |  | (51,082 | )
Total loans, net |  |  |  |  |  |  |  | $ | 4,411,057 |
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 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 |
2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 341 |  |  | $ | - |  |  | $ | - |  |  | $ | 341 |  |  | $ | 5,664 |  |  | $ | 728,942 |  |  | $ | 734,947 |  |  | $ | 341 |
Commercial mortgage |  |  | 5,900 |  |  |  | 727 |  |  |  | - |  |  |  | 6,627 |  |  |  | 10,563 |  |  |  | 1,992,079 |  |  |  | 2,009,269 |  |  |  | 10,563 |
Residential real estate loans |  |  | 2,614 |  |  |  | 80 |  |  |  | - |  |  |  | 2,694 |  |  |  | 6,364 |  |  |  | 628,115 |  |  |  | 637,173 |  |  |  | 6,364 |
Residential real estate lines |  |  | 163 |  |  |  | 20 |  |  |  | - |  |  |  | 183 |  |  |  | 221 |  |  |  | 73,568 |  |  |  | 73,972 |  |  |  | 221 |
Consumer indirect |  |  | 16,128 |  |  |  | 3,204 |  |  |  | - |  |  |  | 19,332 |  |  |  | 3,814 |  |  |  | 892,577 |  |  |  | 915,723 |  |  |  | 3,814 |
Other consumer |  |  | 122 |  |  |  | 27 |  |  |  | 21 |  |  |  | 170 |  |  |  | 13 |  |  |  | 44,984 |  |  |  | 45,167 |  |  |  | 13 |
Total loans, gross |  | $ | 25,268 |  |  | $ | 4,058 |  |  | $ | 21 |  |  | $ | 29,347 |  |  | $ | 26,639 |  |  | $ | 4,360,265 |  |  | $ | 4,416,251 |  |  | $ | 21,316 |
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 December 31, 2023 (in thousands):
|  | Amortized Cost Basis |  |  |  |
Loan Type |  | Interest Rate Reduction |  |  | Term Extension |  |  | Principal Forgiveness |  |  | Combination - Term Extension and Principal Forgiveness |  |  | Combination - Term Extension and Interest Rate Reduction |  |  | Total |  |  | % of Total Loans |
Commercial business |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  |  | 0.0 | %
Commercial mortgage |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 0.0 | %
Residential real estate loans |  |  | - |  |  |  | 935 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 935 |  |  |  | 0.1 | %
Residential real estate lines |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 0.0 | %
Consumer indirect |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 0.0 | %
Other consumer |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 0.0 | %
Total |  | $ | - |  |  | $ | 935 |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 935 |  |  |  | 0.0 | %
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 during the year ended December 31, 2023 (in thousands):
|  | Payment Status (Amortized Cost Basis) |
Loan Type |  | Current |  |  | 30-89 Days Past Due |  |  | 90+ Days Past Due |
Commercial business |  | $ | - |  |  | $ | - |  |  | $ | - |
Commercial mortgage |  |  | - |  |  |  | - |  |  |  | - |
Residential real estate loans |  |  | 611 |  |  |  | - |  |  |  | 324 |
Residential real estate lines |  |  | - |  |  |  | - |  |  |  | - |
Consumer indirect |  |  | - |  |  |  | - |  |  |  | - |
Other consumer |  |  | - |  |  |  | - |  |  |  | - |
Total |  | $ | 611 |  |  | $ | - |  |  | $ | 324 |
Summary of Collateral Dependent Loans | The amortized cost basis of collateral dependent loans categorized by collateral type are set forth as of the dates indicated (in thousands):
|  | Collateral Type |  |  |  |  |  |  |
|  | Business Assets |  |  | Real Property |  |  | Total |  |  | Specific Reserve |
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |
Commercial business |  | $ | 8,698 |  |  | $ | 5,000 |  |  | $ | 13,698 |  |  | $ | 2,198 |
Commercial mortgage |  |  | - |  |  |  | 26,575 |  |  |  | 26,575 |  |  |  | 559 |
Total |  | $ | 8,698 |  |  | $ | 31,575 |  |  | $ | 40,273 |  |  | $ | 2,757 |
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 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 |  |  |  |  |  |  |  |  |  |
|  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total |
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial Business: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Uncriticized |  | $ | 111,035 |  |  | $ | 124,572 |  |  | $ | 77,079 |  |  | $ | 49,531 |  |  | $ | 21,971 |  |  | $ | 64,648 |  |  | $ | 257,585 |  |  | $ | - |  |  | $ | 706,421 |
Special mention |  |  | 7,532 |  |  |  | - |  |  |  | 2,400 |  |  |  | - |  |  |  | 114 |  |  |  | - |  |  |  | 2,442 |  |  |  | - |  |  |  | 12,488 |
Substandard |  |  | 1,609 |  |  |  | 11 |  |  |  | 81 |  |  |  | - |  |  |  | - |  |  |  | 888 |  |  |  | 8,532 |  |  |  | - |  |  |  | 11,121 |
Doubtful |  |  | - |  |  |  | 5,097 |  |  |  | - |  |  |  | - |  |  |  | 14 |  |  |  | 397 |  |  |  | 162 |  |  |  | - |  |  |  | 5,670 |
Total |  | $ | 120,176 |  |  | $ | 129,680 |  |  | $ | 79,560 |  |  | $ | 49,531 |  |  | $ | 22,099 |  |  | $ | 65,933 |  |  | $ | 268,721 |  |  | $ | - |  |  | $ | 735,700 |
Current period gross write-offs |  | $ | - |  |  | $ | 5 |  |  | $ | 3 |  |  | $ | 31 |  |  | $ | 8 |  |  | $ | 235 |  |  | $ | - |  |  | $ | - |  |  | $ | 282 |
Commercial Mortgage: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Uncriticized |  | $ | 350,370 |  |  | $ | 603,686 |  |  | $ | 328,916 |  |  | $ | 209,213 |  |  | $ | 151,022 |  |  | $ | 294,703 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,937,910 |
Special mention |  |  | - |  |  |  | 494 |  |  |  | 17,136 |  |  |  | 8,982 |  |  |  | 119 |  |  |  | 11,355 |  |  |  | - |  |  |  | - |  |  |  | 38,086 |
Substandard |  |  | - |  |  |  | 338 |  |  |  | 212 |  |  |  | 918 |  |  |  | - |  |  |  | 17,291 |  |  |  | - |  |  |  | - |  |  |  | 18,759 |
Doubtful |  |  | 1,397 |  |  |  | - |  |  |  | 4,098 |  |  |  | 14 |  |  |  | 67 |  |  |  | 4,988 |  |  |  | - |  |  |  | - |  |  |  | 10,564 |
Total |  | $ | 351,767 |  |  | $ | 604,518 |  |  | $ | 350,362 |  |  | $ | 219,127 |  |  | $ | 151,208 |  |  | $ | 328,337 |  |  | $ | - |  |  | $ | - |  |  | $ | 2,005,319 |
Current period gross write-offs |  | $ | 981 |  |  | $ | - |  |  | $ | - |  |  | $ | 13 |  |  | $ | - |  |  | $ | 18 |  |  | $ | - |  |  | $ | - |  |  | $ | 1,012 |
|  | 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 sets forth the Company’s retail loan portfolio, categorized by payment status, as of the dates indicated (in thousands):
|  | Term Loans Amortized Cost Basis by Origination Year |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total |
|  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  |  |  |  |  |  |  |  |
December 31, 2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential Real Estate Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 112,704 |  |  | $ | 80,117 |  |  | $ | 80,323 |  |  | $ | 109,601 |  |  | $ | 70,325 |  |  | $ | 190,388 |  |  | $ | - |  |  | $ | - |  |  | $ | 643,458 |
Nonperforming |  |  | - |  |  |  | 384 |  |  |  | 1,190 |  |  |  | 1,354 |  |  |  | 1,137 |  |  |  | 2,299 |  |  |  | - |  |  |  | - |  |  |  | 6,364 |
Total |  | $ | 112,704 |  |  | $ | 80,501 |  |  | $ | 81,513 |  |  | $ | 110,955 |  |  | $ | 71,462 |  |  | $ | 192,687 |  |  | $ | - |  |  | $ | - |  |  | $ | 649,822 |
Current period gross write-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 32 |  |  | $ | 95 |  |  | $ | - |  |  | $ | - |  |  | $ | 127 |
Residential Real Estate Lines: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 72,128 |  |  | $ | 5,018 |  |  | $ | 77,146 |
Nonperforming |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 55 |  |  |  | 166 |  |  |  | 221 |
Total |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 72,183 |  |  | $ | 5,184 |  |  | $ | 77,367 |
Current period gross write-offs |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | - |  |  | $ | 28 |  |  | $ | 13 |  |  | $ | 41 |
Consumer Indirect: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 247,194 |  |  | $ | 336,369 |  |  | $ | 232,891 |  |  | $ | 78,652 |  |  | $ | 31,091 |  |  | $ | 18,820 |  |  | $ | - |  |  | $ | - |  |  | $ | 945,017 |
Nonperforming |  |  | 724 |  |  |  | 1,083 |  |  |  | 1,273 |  |  |  | 380 |  |  |  | 224 |  |  |  | 130 |  |  |  | - |  |  |  | - |  |  |  | 3,814 |
Total |  | $ | 247,918 |  |  | $ | 337,452 |  |  | $ | 234,164 |  |  | $ | 79,032 |  |  | $ | 31,315 |  |  | $ | 18,950 |  |  | $ | - |  |  | $ | - |  |  | $ | 948,831 |
Current period gross write-offs |  | $ | 1,371 |  |  | $ | 6,279 |  |  | $ | 5,845 |  |  | $ | 1,787 |  |  | $ | 1,282 |  |  | $ | 1,459 |  |  | $ | - |  |  | $ | - |  |  | $ | 18,023 |
Other Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | $ | 35,483 |  |  | $ | 3,990 |  |  | $ | 1,424 |  |  | $ | 949 |  |  | $ | 217 |  |  | $ | 256 |  |  | $ | 2,747 |  |  | $ | - |  |  | $ | 45,066 |
Nonperforming |  |  | 13 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 21 |  |  |  | - |  |  |  | 34 |
Total |  | $ | 35,496 |  |  | $ | 3,990 |  |  | $ | 1,424 |  |  | $ | 949 |  |  | $ | 217 |  |  | $ | 256 |  |  | $ | 2,768 |  |  | $ | - |  |  | $ | 45,100 |
Current period gross write-offs |  | $ | 902 |  |  | $ | 127 |  |  | $ | 105 |  |  | $ | 52 |  |  | $ | 31 |  |  | $ | 20 |  |  | $ | 47 |  |  | $ | - |  |  | $ | 1,284 |
(5.) LOANS (Continued)
|  | Term Loans Amortized Cost Basis by Origination Year |  |  | Revolving Loans Amortized Cost Basis |  |  | Revolving Loans Converted to Term |  |  | Total |
|  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | 2018 |  |  | Prior |  |  |  |  |  |  |  |  |  |
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 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 |
2023 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  | 12,585 |  |  |  | 14,412 |  |  |  | 3,301 |  |  |  | 608 |  |  |  | 14,238 |  |  |  | 269 |  |  | $ | 45,413 |
Charge-offs |  |  | (282 | ) |  |  | (1,012 | ) |  |  | (127 | ) |  |  | (41 | ) |  |  | (18,023 | ) |  |  | (1,284 | ) |  |  | (20,769 | )
Recoveries |  |  | 391 |  |  |  | 977 |  |  |  | 38 |  |  |  | - |  |  |  | 10,428 |  |  |  | 391 |  |  |  | 12,225 |
Provision |  |  | 408 |  |  |  | 1,481 |  |  |  | 2,074 |  |  |  | 197 |  |  |  | 7,456 |  |  |  | 2,597 |  |  |  | 14,213 |
Ending balance |  | $ | 13,102 |  |  | $ | 15,858 |  |  | $ | 5,286 |  |  | $ | 764 |  |  | $ | 14,099 |  |  | $ | 1,973 |  |  | $ | 51,082 |
2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  | 11,099 |  |  |  | 14,777 |  |  |  | 1,604 |  |  |  | 379 |  |  |  | 11,611 |  |  |  | 206 |  |  | $ | 39,676 |
Charge-offs |  |  | (312 | ) |  |  | (1,170 | ) |  |  | (303 | ) |  |  | (38 | ) |  |  | (13,215 | ) |  |  | (1,682 | ) |  |  | (16,720 | )
Recoveries |  |  | 376 |  |  |  | 2,023 |  |  |  | 24 |  |  |  | 39 |  |  |  | 8,677 |  |  |  | 343 |  |  |  | 11,482 |
Provision (benefit) |  |  | 1,422 |  |  |  | (1,218 | ) |  |  | 1,976 |  |  |  | 228 |  |  |  | 7,165 |  |  |  | 1,402 |  |  |  | 10,975 |
Ending balance |  | $ | 12,585 |  |  | $ | 14,412 |  |  | $ | 3,301 |  |  | $ | 608 |  |  | $ | 14,238 |  |  | $ | 269 |  |  | $ | 45,413 |
2021 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  |  | 13,580 |  |  |  | 21,763 |  |  |  | 3,924 |  |  |  | 674 |  |  |  | 12,165 |  |  |  | 314 |  |  |  | 52,420 |
Charge-offs |  |  | (669 | ) |  |  | (3,999 | ) |  |  | (148 | ) |  |  | (141 | ) |  |  | (7,236 | ) |  |  | (1,026 | ) |  |  | (13,219 | )
Recoveries |  |  | 881 |  |  |  | 185 |  |  |  | 92 |  |  |  | - |  |  |  | 5,980 |  |  |  | 321 |  |  |  | 7,459 |
(Benefit) provision |  |  | (2,693 | ) |  |  | (3,172 | ) |  |  | (2,264 | ) |  |  | (154 | ) |  |  | 702 |  |  |  | 597 |  |  |  | (6,984 | )
Ending balance |  | $ | 11,099 |  |  | $ | 14,777 |  |  | $ | 1,604 |  |  | $ | 379 |  |  | $ | 11,611 |  |  | $ | 206 |  |  | $ | 39,676 |

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