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v3.19.3.a.u2

Loans (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Summary of Loan Categories | A summary of loan categories is as follows:
|  | December 31,
(In thousands) |  | 2019 |  | 2018
Commercial and industrial |  | $ | 323,857 |  | $ | 277,091
Real estate |  |  |  |  |  |
Commercial: |  |  |  |  |  |
Mortgage |  |  | 101,654 |  |  | 95,605
Construction |  |  | 25,299 |  |  | 11,858
Faith-based: |  |  |  |  |  |
Mortgage |  |  | 305,826 |  |  | 316,147
Construction |  |  | 15,945 |  |  | 20,576
Other |  |  | 57 |  |  | 310
Total loans |  | $ | 772,638 |  | $ | 721,587
Schedule of the Aging Loans by Loan Categories | 42 Table of Contents The following table presents the aging of loans by loan categories at December 31, 2019:
|  | Performing |  | Nonperforming |  |  |
(In thousands) |  | Current |  | 30-59 Days |  | 60-89 Days |  | 90 Days and Over |  | Non- accrual |  | Total Loans
Commercial and industrial |  | $ | 323,857 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 323,857
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 101,654 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 101,654
Construction |  |  | 25,299 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 25,299
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 305,826 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 305,826
Construction |  |  | 15,945 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 15,945
Other |  |  | 57 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 57
Total |  | $ | 772,638 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 772,638
The following table presents the aging of loans by loan categories at December 31, 2018:
|  | Performing |  | Nonperforming |  |  |
(In thousands) |  | Current |  | 30-59 Days |  | 60-89 Days |  | 90 Days and Over |  | Non- accrual |  | Total Loans
Commercial and industrial |  | $ | 277,091 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 277,091
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 95,605 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 95,605
Construction |  |  | 11,858 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 11,858
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 316,147 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 316,147
Construction |  |  | 20,576 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 20,576
Other |  |  | 310 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 310
Total |  | $ | 721,587 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 721,587
Schedule of Credit Exposure of the Loan Portfolio | The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2019:
(In thousands) |  | Loans Subject to Normal Monitoring(1) |  | Performing Loans Subject to Special Monitoring(2) |  | Nonperforming Loans Subject to Special Monitoring(2) |  | Total Loans
Commercial and industrial |  | $ | 321,554 |  | $ | 2,303 |  | $ | — |  | $ | 323,857
Real estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 100,346 |  |  | 1,308 |  |  | — |  |  | 101,654
Construction |  |  | 25,299 |  |  | — |  |  | — |  |  | 25,299
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 304,513 |  |  | 1,313 |  |  | — |  |  | 305,826
Construction |  |  | 15,945 |  |  | — |  |  | — |  |  | 15,945
Other |  |  | 57 |  |  | — |  |  | — |  |  | 57
Total |  | $ | 767,714 |  | $ | 4,924 |  | $ | — |  | $ | 772,638
(1) | Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligation.
(2) | Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.
43 Table of Contents The following table presents the credit exposure of the loan portfolio by internally assigned credit grade as of December 31, 2018:
(In thousands) |  | Loans Subject to Normal Monitoring(1) |  | Performing Loans Subject to Special Monitoring(2) |  | Nonperforming Loans Subject to Special Monitoring(2) |  | Total Loans
Commercial and industrial |  | $ | 275,308 |  | $ | 1,783 |  | $ | — |  | $ | 277,091
Real estate |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 95,447 |  |  | 158 |  |  | — |  |  | 95,605
Construction |  |  | 11,858 |  |  | — |  |  | — |  |  | 11,858
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 314,940 |  |  | 1,207 |  |  | — |  |  | 316,147
Construction |  |  | 20,576 |  |  | — |  |  | — |  |  | 20,576
Other |  |  | 310 |  |  | — |  |  | — |  |  | 310
Total |  | $ | 718,439 |  | $ | 3,148 |  | $ | — |  | $ | 721,587
(1) | Loans subject to normal monitoring involve borrowers of acceptable-to-strong credit quality and risk, who have the apparent ability to satisfy their loan obligation.
(2) | Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.
Summary of the Allowance for Loan Losses | A summary of the activity in the allowance for loan losses for the period ended December 31, 2019 is as follows:
(In thousands) |  | December 31, 2018 |  | Charge- Offs |  | Recoveries |  | Provision |  | December 31, 2019
Commercial and industrial |  | $ | 4,179 |  | $ | — |  | $ | 81 |  | $ | 593 |  |  | $ | 4,853
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 1,417 |  |  | — |  |  | — |  |  | 105 |  |  |  | 1,522
Construction |  |  | 89 |  |  | — |  |  | — |  |  | 101 |  |  |  | 190
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 3,961 |  |  | — |  |  | — |  |  | (135 | ) |  |  | 3,826
Construction |  |  | 155 |  |  | — |  |  | — |  |  | (35 | ) |  |  | 120
Other |  |  | 424 |  |  | — |  |  | — |  |  | (379 | ) |  |  | 45
Total |  | $ | 10,225 |  | $ | — |  | $ | 81 |  | $ | 250 |  |  | $ | 10,556
44 Table of Contents A summary of the activity in the allowance for loan losses for the period ended December 31, 2018 is as follows:
(In thousands) |  | December 31, 2017 |  | Charge- Offs |  | Recoveries |  | Provision |  | December 31, 2018
Commercial and industrial |  | $ | 3,652 |  | $ | — |  | $ | 20 |  | $ | 507 |  |  | $ | 4,179
Real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 1,394 |  |  | — |  |  | — |  |  | 23 |  |  |  | 1,417
Construction |  |  | 70 |  |  | — |  |  | — |  |  | 19 |  |  |  | 89
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 3,962 |  |  | — |  |  | — |  |  | (1 | ) |  |  | 3,961
Construction |  |  | 196 |  |  | — |  |  | — |  |  | (41 | ) |  |  | 155
Industrial Revenue Bond |  |  | 52 |  |  | — |  |  | — |  |  | (52 | ) |  |  | —
Other |  |  | 879 |  |  | — |  |  | — |  |  | (455 | ) |  |  | 424
Total |  | $ | 10,205 |  | $ | — |  | $ | 20 |  | $ | — |  |  | $ | 10,225

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