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v3.20.2

Loans by Type (Tables) | 6 Months Ended
--- | ---
Jun. 30, 2020
Receivables [Abstract] |
Summary of Loan Categories | A summary of loan categories is as follows:
(In thousands) |  | June 30, 2020 |  | December 31, 2019
Commercial and industrial |  | $ | 341,888 |  | $ | 323,857
Paycheck protection program (“PPP”) |  |  | 172,563 |  |  | —
Real estate: |  |  |  |  |  |
Commercial: |  |  |  |  |  |
Mortgage |  |  | 95,865 |  |  | 101,654
Construction |  |  | 22,219 |  |  | 25,299
Faith-based: |  |  |  |  |  |
Mortgage |  | $ | 302,895 |  |  | 305,826
Construction |  | $ | 28,293 |  |  | 15,945
Other |  |  | 3 |  |  | 57
Total loans |  | $ | 963,726 |  | $ | 772,638
Schedule of the Aging Loans by Loan Categories | The following table presents the aging of loans by loan categories at June 30, 2020 and December 31, 2019:
|  | Performing |  | Nonperforming |  |
(In thousands) |  | Current |  | 30-59 Days |  | 60-89 Days |  | 90 Days and Over |  | Non- accrual |  | Total Loans
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 341,888 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 341,888
PPP |  |  | 172,563 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 172,563
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 95,865 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 95,865
Construction |  |  | 22,219 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 22,219
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 302,895 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 302,895
Construction |  |  | 28,293 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 28,293
Other |  |  | 3 |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 3
Total |  | $ | 963,726 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 963,726
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
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
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 June 30, 2020 and December 31, 2019:
(In thousands) |  | Loans Subject to Normal Monitoring1 |  | Performing Loans Subject to Special Monitoring2 |  | Nonperforming Loans Subject to Special Monitoring2 |  | Total Loans
June 30, 2020 |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 328,740 |  | $ | 13,148 |  | $ | — |  | $ | 341,888
PPP |  |  | 172,563 |  |  | — |  |  | — |  |  | 172,563
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 94,655 |  |  | 1,210 |  |  | — |  |  | 95,865
Construction |  |  | 22,219 |  |  | — |  |  | — |  |  | 22,219
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 301,623 |  |  | 1,272 |  |  | — |  |  | 302,895
Construction |  |  | 28,293 |  |  | — |  |  | — |  |  | 28,293
Other |  |  | 3 |  |  | — |  |  | — |  |  | 3
Total |  | $ | 948,096 |  | $ | 15,630 |  | $ | — |  | $ | 963,726
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |
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 obligations.
2 Loans subject to special monitoring possess some credit deficiency or potential weakness which requires a high level of management attention.
Schedule of Recorded Investment and Unpaid Principal Balance for Impaired Loans | The following table presents the recorded investment and unpaid principal balance for impaired loans at June 30, 2020. There were no impaired loans at December 31, 2019 or June 30, 2019.
(In thousands) |  | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance for Loan Losses
Commercial and industrial: |  | $ | 11,135 |  | $ | 11,135 |  | $ | 500
Real estate: |  |  |  |  |  |  |  |  |
Faith-based: |  |  |  |  |  |  |  |  |
Mortgage |  |  | 1,047 |  |  | 1,047 |  |  | —
Total impaired loans |  | $ | 12,182 |  | $ | 12,182 |  | $ | 500
Summary of the Allowance for Loan Losses | A summary of the activity in the allowance for loan losses from December 31, 2019 to June 30, 2020 is as follows:
(In thousands) |  | December 31, 2019 |  | Charge- Offs |  | Recoveries |  | Provision |  | June 30, 2020
Commercial and industrial |  | $ | 4,874 |  | $ | — |  | $ | 10 |  | $ | 686 |  | $ | 5,570
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 1,528 |  |  | — |  |  | — |  |  | (60) |  |  | 1,468
Construction |  |  | 191 |  |  | — |  |  | — |  |  | (21) |  |  | 170
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 3,842 |  |  | — |  |  | 1 |  |  | 21 |  |  | 3,864
Construction |  |  | 121 |  |  | — |  |  | — |  |  | 99 |  |  | 220
Total |  | $ | 10,556 |  | $ | — |  | $ | 11 |  | $ | 725 |  | $ | 11,292
A summary of the activity in the allowance for loan losses from December 31, 2018 to June 30, 2019 is as follows:
(In thousands) |  | December 31, 2018 |  | Charge- Offs |  | Recoveries |  | Provision |  | June 30, 2019
Commercial and industrial |  | $ | 4,179 |  | $ | — |  | $ | 31 |  | $ | 1,058 |  | $ | 5,268
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 1,417 |  |  | — |  |  | — |  |  | (148) |  |  | 1,269
Construction |  |  | 89 |  |  | — |  |  | — |  |  | 51 |  |  | 140
Faith-based: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Mortgage |  |  | 3,961 |  |  | — |  |  | — |  |  | 36 |  |  | 3,997
Construction |  |  | 155 |  |  | — |  |  | — |  |  | (24) |  |  | 131
Other |  |  | 424 |  |  | — |  |  | — |  |  | (723) |  |  | (299)
Total |  | $ | 10,225 |  | $ | — |  | $ | 31 |  | $ | 250 |  | $ | 10,506

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