LOANS

The Company’s loan portfolio is comprised of the following segments: commercial real estate, commercial and industrial, residential real estate, and consumer loans. Commercial real estate loans include multi-family, commercial construction and land, and other commercial real estate classes. Commercial and industrial loans include loans to commercial businesses, agricultural and other loans to farmers, and tax exempt loans. Residential real estate loans consist of mortgages for 1-to-4 family housing. Consumer loans include home equity loans, auto and other installment loans.

The Company’s lending activities are principally conducted in Maine, New Hampshire, and Vermont.

Total loans include business activity loans and acquired loans. Acquired loans are those loans previously acquired from a business combination. The following is a summary of total loans as of December 31, 2018 and December 31, 2017:



	December 31, 2018						December 31, 2017
(in thousands)	Business Activities Loans		Acquired Loans		Total		Business Activities Loans		Acquired Loans		Total
Commercial real estate:
Construction and land development	$	23,754	$	2,890	$	26,644	$	28,892	$	16,781	$	45,673
Other commercial real estate	555,980		244,075		800,055		505,119		275,954		781,073
Total commercial real estate	579,734		246,965		826,699		534,011		292,735		826,746

Commercial and industrial:
Other Commercial	234,757		52,470		287,227		198,051		68,069		266,120
Agricultural	22,317		—		22,317		27,588		—		27,588
Tax exempt	56,588		38,738		95,326		42,365		43,350		85,715
Total commercial and industrial	313,662		91,208		404,870		268,004		111,419		379,423

Total commercial loans	893,396		338,173		1,231,569		802,015		404,154		1,206,169

Residential real estate:
Residential mortgages	670,189		474,509		1,144,698		591,411		564,271		1,155,682
Total residential real estate	670,189		474,509		1,144,698		591,411		564,271		1,155,682

Consumer:
Home equity	57,898		45,291		103,189		51,376		62,217		113,593
Other consumer	9,414		1,357		10,771		7,828		2,341		10,169
Total consumer	67,312		46,648		113,960		59,204		64,558		123,762

Total loans	$	1,630,897	$	859,330	$	2,490,227	$	1,452,630	$	1,032,983	$	2,485,613

Total unamortized net premiums included in the year-end total for business activity loans were the following at December 31, 2018 and December 31, 2017:



(in thousands)	2018			2017
Unamortized net loan origination costs	$	3,064		$	2,445
Unamortized net premium on purchased loans	(127		)	(123		)
Total unamortized net costs and premiums	$	2,937		$	2,322

For the year ended December 31, 2018, the Company had pledged loans with a collateral value totaling $96.3 million to the Federal Reserve Bank of Boston for certain borrowing arrangements. The Company also pledged residential first mortgage loans, home equity loans and certain commercial loans with collateral value totaling $986.2 million for FHLB borrowings for the year ended December 31, 2018. (See Note 8 - Borrowed Funds of the Company's Consolidated Financial Statements.)

The carrying amount of the acquired loans at December 31, 2018 totaled $859.3 million. A subset of these loans was determined to have evidence of credit deterioration at the acquisition date, which is accounted for in accordance with ASC 310-30. These purchased credit-impaired loans presently maintain a carrying value of $10.1 million (and a note balance of $14.0 million). These loans are evaluated for impairment through the periodic reforecasting of expected cash flows. Loans considered not impaired at acquisition date had a carrying amount of $849.2 million.

The following table summarizes activity in the accretable yield for the acquired loan portfolio that falls under the purview of ASC 310-30, Accounting for Certain Loans or Debt Securities Acquired in a Transfer:



	Twelve Months Ended December 31,
(in thousands)	2018			2017
Balance at beginning of period	$	3,509		$	—
Acquisitions	—			3,398
Reclassification from nonaccretable difference for loans with improved cash flows	2,240			1,925
Changes in expected cash flows that do not affect the nonaccretable difference	—			—
Reclassification to TDR	(30		)	—
Accretion	(1,342		)	(1,814		)
Balance at end of period	$	4,377		$	3,509

The following is a summary of past due loans at December 31, 2018 and December 31, 2017:

Business Activities Loans



(in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Loans		Past Due > 90 days and Accruing
December 31, 2018
Commercial real estate:
Construction and land development	$	—	$	—	$	—	$	—	$	23,754	$	23,754	$	—
Other commercial real estate	1,146		—		6,725		7,871		548,109		555,980		—
Total commercial real estate	1,146		—		6,725		7,871		571,863		579,734		—

Commercial and industrial:
Other Commercial	395		60		402		857		233,900		234,757		50
Agricultural	65		6		25		96		22,221		22,317		—
Tax exempt	—		—		—		—		56,588		56,588		—
Total commercial and industrial	460		66		427		953		312,709		313,662		50

Total commercial loans	1,606		66		7,152		8,824		884,572		893,396		50

Residential real estate:
Residential mortgages	3,565		641		1,309		5,515		664,674		670,189		—
Total residential real estate	3,565		641		1,309		5,515		664,674		670,189		—

Consumer:
Home equity	72		—		—		72		57,826		57,898		—
Other consumer	17		—		11		28		9,386		9,414		—
Total consumer	89		—		11		100		67,212		67,312		—

Total loans	$	5,260	$	707	$	8,472	$	14,439	$	1,616,458	$	1,630,897	$	50

Acquired Loans



(in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Acquired Credit Impaired		Total Loans		Past Due > 90 days and Accruing
December 31, 2018
Commercial real estate:
Construction and land development	$	—	$	—	$	—	$	—	$	164	$	2,890	$	—
Other commercial real estate	631		99		211		941		6,143		244,075		—
Total commercial real estate	631		99		211		941		6,307		246,965		—

Commercial and industrial:
Other commercial	149		26		494		669		679		52,470		—
Agricultural	—		—		—		—		—		—		—
Tax exempt	—		—		—		—		—		38,738		—
Total commercial and industrial	149		26		494		669		679		91,208		—

Total commercial loans	780		125		705		1,610		6,986		338,173		—

Residential real estate:
Residential mortgages	3,419		254		1,792		5,465		3,095		474,509		—
Total residential real estate	3,419		254		1,792		5,465		3,095		474,509		—

Consumer:
Home equity	198		—		66		264		22		45,291		7
Other consumer	17		—		—		17		3		1,357		189
Total consumer	215		—		66		281		25		46,648		196

Total loans	$	4,414	$	379	$	2,563	$	7,356	$	10,106	$	859,330	$	196

Business Activities Loans



(in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Current		Total Loans		Past Due > 90 days and Accruing
December 31, 2017
Commercial real estate:
Construction and land development	$	—	$	—	$	637	$	637	$	28,255	$	28,892	$	—
Other commercial real estate	965		1,659		5,065		7,689		497,430		505,119		119
Total commercial real estate	965		1,659		5,702		8,326		525,685		534,011		119

Commercial and industrial:
Other commercial	186		329		702		1,217		196,834		198,051		21
Agricultural	42		159		198		399		27,189		27,588		155
Tax exempt	—		—		—		—		42,365		42,365		—
Total commercial and industrial	228		488		900		1,616		266,388		268,004		176

Total commercial loans	1,193		2,147		6,602		9,942		792,073		802,015		295

Residential real estate:
Residential mortgages	3,096		711		975		4,782		586,629		591,411		—
Total residential real estate	3,096		711		975		4,782		586,629		591,411		—

Consumer:
Home equity	515		—		199		714		50,662		51,376		199
Other consumer	36		24		—		60		7,768		7,828		—
Total consumer	551		24		199		774		58,430		59,204		199

Total loans	$	4,840	$	2,882	$	7,776	$	15,498	$	1,437,132	$	1,452,630	$	494

Acquired Loans



(in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or Greater Past Due		Total Past Due		Acquired Credit Impaired		Total Loans		Past Due > 90 days and Accruing
December 31, 2017
Commercial real estate:
Construction and land development	$	124	$	9	$	—	$	133	$	258	$	16,781	$	—
Other commercial real estate	278		—		411		689		8,397		275,954		—
Total commercial real estate	402		9		411		822		8,655		292,735		—

Commercial and industrial:
Other commercial	125		14		49		188		632		68,069		—
Agricultural	—		—		—		—		—		—		—
Tax exempt	—		—		—		—		—		43,350		—
Total commercial and industrial	125		14		49		188		632		111,419		—

Total commercial loans	527		23		460		1,010		9,287		404,154		—

Residential real estate:
Residential mortgages	752		388		614		1,754		3,259		564,271		—
Total residential real estate	752		388		614		1,754		3,259		564,271		—

Consumer:
Home equity	125		117		80		322		38		62,217		16
Other consumer	2		—		—		2		3		2,341		—
Total consumer	127		117		80		324		41		64,558		16

Total loans	$	1,406	$	528	$	1,154	$	3,088	$	12,587	$	1,032,983	$	16

Non-Accrual Loans

The following is summary information pertaining to non-accrual loans at December 31, 2018 and December 31, 2017:



	December 31, 2018						December 31, 2017
(in thousands)	Business Activities Loans		Acquired Loans		Total		Business Activities Loans		Acquired Loans		Total
Commercial real estate:
Construction and land development	$	1	$	—	$	1	$	637	$	—	$	637
Other commercial real estate	7,873		282		8,155		7,146		560		7,706
Total commercial real estate	7,874		282		8,156		7,783		560		8,343

Commercial and industrial:
Other commercial	1,423		643		2,066		703		463		1,166
Agricultural	265		—		265		43		—		43
Tax exempt	—		—		—		—		—		—
Total commercial and industrial	1,688		643		2,331		746		463		1,209

Total commercial loans	9,562		925		10,487		8,529		1,023		9,552

Residential real estate:
Residential mortgages	4,213		2,997		7,210		3,408		858		4,266
Total residential real estate	4,213		2,997		7,210		3,408		858		4,266

Consumer:
Home equity	246		201		447		130		217		347
Other consumer	90		1		91		95		58		153
Total consumer	336		202		538		225		275		500

Total loans	$	14,111	$	4,124	$	18,235	$	12,162	$	2,156	$	14,318

Loans evaluated for impairment by portfolio segment as of December 31, 2018 and December 31, 2017 were as follows:

Business Activities Loans



(in thousands)	Commercial real estate		Commercial and industrial		Residential real estate		Consumer		Total
December 31, 2018
Individually evaluated for impairment	$	9,835	$	1,445	$	2,562	$	13	$	13,855
Collectively evaluated	569,899		312,217		667,627		67,299		1,617,042
Total	$	579,734	$	313,662	$	670,189	$	67,312	$	1,630,897

Acquired Loans



(in thousands)	Commercial real estate		Commercial and industrial		Residential real estate		Consumer		Total
December 31, 2018
Individually evaluated for impairment	$	188	$	426	$	744	$	—	$	1,358
Purchased credit impaired	6,307		679		3,095		25		10,106
Collectively evaluated	240,470		90,103		470,670		46,623		847,866
Total	$	246,965	$	91,208	$	474,509	$	46,648	$	859,330

Business Activities Loans



(in thousands)	Commercial real estate		Commercial and industrial		Residential real estate		Consumer		Total
December 31, 2017
Individually evaluated for impairment	$	7,604	$	626	$	1,404	$	13	$	9,647
Collectively evaluated	526,407		267,378		590,007		59,191		1,442,983
Total	$	534,011	$	268,004	$	591,411	$	59,204	$	1,452,630

Acquired Loans



(in thousands)	Commercial real estate		Commercial and industrial		Residential real estate		Consumer		Total
December 31, 2017
Individually evaluated for impairment	$	241	$	571	$	271	$	63	$	1,146
Purchased credit impaired	8,655		632		3,259		41		12,587
Collectively evaluated	283,839		110,216		560,741		64,454		1,019,250
Total	$	292,735	$	111,419	$	564,271	$	64,558	$	1,032,983

The following is a summary of impaired loans at December 31, 2018 and December 31, 2017:

Business Activities Loans



	December 31, 2018
(in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance:
Construction and land development	$	—	$	—	$	—
Other commercial real estate	8,209		8,301		—
Other commercial	649		669		—
Agricultural	—		—		—
Tax exempt	—		—		—
Residential real estate	1,671		1,709		—
Home equity	—		—		—
Other consumer	—		—		—

With an allowance recorded:
Construction and land development	$	1	$	1	$	1
Other commercial real estate	1,625		1,660		421
Other commercial	796		855		78
Agricultural	—		—		—
Tax exempt	—		—		—
Residential real estate	891		916		111
Home equity	13		13		—
Other consumer	—		—		—

Total
Commercial real estate	$	9,835	$	9,962	$	422
Commercial and industrial	1,445		1,524		78
Residential real estate	2,562		2,625		111
Consumer	13		13		—
Total impaired loans	$	13,855	$	14,124	$	611

Acquired Loans



	December 31, 2018
(in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance:
Construction and land development	$	—	$	—	$	—
Other commercial real estate	188		187		—
Other commercial	426		510		—
Agricultural	—		—		—
Tax exempt	—		—		—
Residential real estate	375		524		—
Home equity	—		—		—
Other consumer	—		—		—

With an allowance recorded:
Construction and land development	$	—
Other commercial real estate	—		—		—
Other commercial	—		—		—
Agricultural	—		—		—
Tax exempt	—		—		—
Residential real estate	369		379		41
Home equity	—		—		—
Other consumer	—		—		—

Total
Commercial real estate	$	188	$	187	$	—
Commercial and industrial	426		510		—
Residential real estate	744		903		41
Consumer	—		—		—
Total impaired loans	$	1,358	$	1,600	$	41

Business Activities Loans



	December 31, 2017
(in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance:
Construction and land development	$	—	$	—	$	—
Other commercial real estate	5,896		5,903		—
Other commercial	218		217		—
Agricultural	—		—		—
Tax exempt	—		—		—
Residential real estate	1,247		1,260		—
Home equity	13		13		—
Other consumer	—		—		—

With an allowance recorded:
Construction and land development	$	637	$	2,563	$	59
Other commercial real estate	1,071		1,132		388
Other commercial	408		408		3
Agricultural	—		—		—
Tax exempt	—		—		—
Residential real estate	157		157		9
Home equity	—		—		—
Other consumer	—		—		—

Total
Commercial real estate	$	7,604	$	9,598	$	447
Commercial and industrial	626		625		3
Residential real estate	1,404		1,417		9
Consumer	13		13		—
Total impaired loans	$	9,647	$	11,653	$	459

Acquired Loans



	December 31, 2017
(in thousands)	Recorded Investment		Unpaid Principal Balance		Related Allowance
With no related allowance:
Construction and land development	$	—	$	—	$	—
Other commercial real estate	241		352		—
Other commercial	571		584		—
Agricultural	—		—		—
Tax exempt	—		—		—
Residential real estate	271		278		—
Home equity	63		156		—
Other consumer	—		—		—

With an allowance recorded:
Construction and land development	$	—
Other commercial real estate	—		—		—
Other commercial			—		—
Agricultural	—		—		—
Tax exempt	—		—		—
Residential real estate	—		—		—
Home equity	—		—		—
Other consumer	—		—		—

Total
Commercial real estate	$	241	$	352	$	—
Commercial and industrial	571		584		—
Residential real estate	271		278		—
Consumer	63		156		—
Total impaired loans	$	1,146	$	1,370	$	—

The following is a summary of the average recorded investment and interest income recognized on impaired loans as of December 31, 2018 and December 31, 2017:

Business Activities Loan



	Twelve Months Ended December 31, 2018				Twelve Months Ended December 31, 2017
(in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance:
Construction and land development	$	—	$	—	$	—	$	—
Other commercial real estate	6,878		77		2,541		66
Other commercial	634		9		382		6
Agricultural	—		—		113		1
Tax exempt	—		—		—		—
Residential real estate	1,693		39		2,174		39
Home equity	—		—		27		—
Other consumer	—		—		53		3

With an allowance recorded:
Construction and land development	$	1	$	—	$	637	$	—
Other commercial real estate	1,140		—		735		—
Other commercial	735		—		105		1
Agricultural	—		—		—		—
Tax exempt	—		—		—		—
Residential real estate	826		9		157		5
Home equity	13		1		—		—
Other consumer	—		—		—		—

Total
Commercial real estate	$	8,019	$	77	$	3,913	$	66
Commercial and industrial	1,369		9		600		8
Residential real estate	2,519		48		2,331		44
Consumer	13		1		80		3
Total impaired loans	$	11,920	$	135	$	6,924	$	121

Acquired Loans



	Twelve Months Ended December 31, 2018				Twelve Months Ended December 31, 2017
(in thousands)	Average Recorded Investment		Interest Income Recognized		Average Recorded Investment		Interest Income Recognized
With no related allowance:
Construction and land development	$	—	$	—	$	—	$	—
Other commercial real estate	112		1		136		—
Other commercial	441		1		264		1
Agricultural	—		—		—		—
Tax exempt	—		—		—		—
Residential real estate	442		—		140		1
Home equity	—		—		58		—
Other consumer	—		—		—		—

With an allowance recorded:
Construction and land development	$	—	$	—	$	—	$	—
Other commercial real estate	—		—		—		—
Other commercial	—		—		—		—
Agricultural	—		—		—		—
Tax exempt	—		—		—		—
Residential real estate	218		3		—		—
Home equity	—		—		—		—
Other consumer	—		—		—		—

Total
Commercial real estate	$	112	$	1	$	136	$	—
Commercial and industrial	441		1		264		1
Residential real estate	660		3		140		1
Consumer	—		—		58		—
Total impaired loans	$	1,213	$	5	$	598	$	2

Troubled Debt Restructuring Loans

The Company’s loan portfolio also includes certain loans that have been modified in a Troubled Debt Restructuring ("TDR"), where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from the Company’s loss mitigation activities and could include reductions in the interest rate, payment extensions, forgiveness of principal, forbearance, or other actions. Certain TDRs are classified as non-performing at the time of restructure and may only be returned to performing status after considering the borrower’s sustained repayment performance for a reasonable period, generally six months. TDRs are evaluated individually for impairment and may result in a specific allowance amount allocated to an individual loan.

The following tables include the recorded investment and number of modifications identified during the twelve months ended December 31, 2018, 2017 and 2016, respectively. The table includes the recorded investment in the loans prior to a modification and also the recorded investment in the loans after the loans were restructured. Modifications may include adjustments to interest rates, payment amounts, extensions of maturity, court ordered concessions or other actions intended to minimize economic loss and avoid foreclosure or repossession of collateral.



	Twelve Months Ended December 31, 2018
(in thousands, except modifications)	Number of Modifications	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Specific Reserve
Troubled Debt Restructurings
Construction and land development	1	$	1	$	1	$	1
Other commercial real estate	9	1,896		1,564		153
Other commercial	7	556		486		55
Agricultural	1	167		—		—
Tax exempt	—	—		—		—
Residential mortgages	19	3,348		2,752		145
Home equity	1	100		100		—
Other consumer	3	13		11		—
Total	41	$	6,081	$	4,914	$	354



	Twelve Months Ended December 31, 2017
(in thousands, except modifications)	Number of Modifications	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Specific Reserve
Troubled Debt Restructurings
Construction and land development	—	$	—	$	—	$	—
Other commercial real estate	6	388		222		—
Other commercial	6	563		545		—
Agricultural	1	19		18		—
Tax exempt	—	—		—		—
Residential mortgages	3	692		670		—
Home equity	1	13		13		—
Other consumer	1	38		36		—
Total	18	$	1,713	$	1,504	$	—



	Twelve Months Ended December 31, 2016
(in thousands, except modifications)	Number of Modifications	Pre-Modification Outstanding Recorded Investment		Post-Modification Outstanding Recorded Investment		Specific Reserve
Troubled Debt Restructurings
Construction and land development	—	$	—	$	—	$	—
Other commercial real estate	6	1,459		1,354		—
Other commercial	2	38		48		—
Agricultural	3	29		44		—
Tax exempt	—	—		—		—
Residential mortgages	—	—		—		—
Home equity	—	—		—		—
Other consumer	2	11		11		9
Total	13	$	1,537	$	1,457	$	9

The following table summarizes the types of loan concessions made for the periods presented:



	2018			2017			2016
(in thousands, except modifications)	Number of Modifications	Post-Modification Outstanding Recorded Investment		Number of Modifications	Post-Modification Outstanding Recorded Investment		Number of Modifications	Post-Modification Outstanding Recorded Investment
Interest rate and maturity concession	1	$	16	6	$	725	6	$	440
Amortization and maturity concession	1	286		6	490		—	—
Amortization concession	—	—		1	94		4	981
Amortization, interest rate and maturity concession	—	—		1	36		—	—
Amortization and interest rate concession	—	—		—	—		1	9
Forbearance	3	271		—	—		—	—
Forbearance and interest only payments	6	121		—	—		—	—
Forbearance and interest rate concession	1	49		—	—		—	—
Forbearance and maturity concession	20	2,030		—	—		—	—
Maturity concession	2	440		—	—		—	—
Restructure without concession	5	1,419		—	—		—	—
Court ordered	—	—		—	—		1	1
Other	2	282		4	159		1	26
Total	41	4,914		18	1,504		13	1,457

For the twelve months ended December 31, 2018, 2017 and 2016, there were no loans that were restructured that had subsequently defaulted during the period. The evaluation of certain loans individually for specific impairment includes loans that were previously classified as TDRs or continue to be classified as TDRs.

Residential Mortgage Foreclosure and Other Real Estate Owned

As of December 31, 2018, the Company maintained bank-owned residential real estate property with a fair value of $2.4 million. Additionally, residential mortgage loans collateralized by real estate property that were in the process of foreclosure as of December 31, 2018 and December 31, 2017 totaled $1.5 million and $843 thousand, respectively. As of December 31, 2017, bank-owned non-residential real estate property totaling $90 thousand.

Loan Concentrations

Loan concentrations in specific industries may occasionally emerge as a result of economic conditions, changes in local demands, natural loan growth and runoff. At December 31, 2018 the largest industry concentration outside of commercial real estate was the hospitality industry which represents 9.0% or $223.0 million of the Company's total loan portfolio, compared with 9.4% or $234.6 million at December 31, 2017. There were no concentrations of loans related to any single industry in excess of 10% of total loans for 2018 or 2017.

Loans to Related Parties

In the ordinary course of business, the Bank has made loans at prevailing rates and terms to directors, officers and other related parties. In management’s opinion, such loans do not present more than the normal risk of collectability or incorporate other unfavorable features, and were made under terms that are consistent with the Bank’s lending policies.

Loan to related parties at December 31, 2018 and December 31, 2017 are summarized below.



(in thousands)	2018			2017
Beginning balance	$	10,487		$	10,620
Changes in composition ⁽¹⁾	—			249
New Loans	—			1,124
Less: repayments	(2,092		)	(1,506		)
Ending balance	$	8,395		$	10,487

______________________________________

(1) Adjustments to reflect changes in status of directors and officers for each year presented.

Mortgage Banking

The Bank sells loans in the secondary market and retains the ability to service many of these loans. The Bank earns fees for the servicing provided. At year end 2018 and 2017, the Company was servicing loans for participants totaling $496.5 million and $497.9 million, respectively. Loans serviced for others are not included in the accompanying consolidated balance sheets. The risks inherent in servicing assets relate primarily to changes in prepayments that result from shifts in interest rates. Contractually-specified servicing fees were $1.3 million, $1.2 million, and $28 thousand for the years ended 2018, 2017, and 2016, respectively, and is included as a component of other income within non-interest income.

Servicing rights activity during 2018 and 2017 was as follows:



	At or for the Twelve Months Ended December 31,
(in thousands)	2018			2017
Balance at beginning of year	$	3,232		$	5
Acquired	—			3,417
Additions	99			134
Amortization	(245		)	(324		)
Balance at end of year	$	3,086		$	3,232

Total residential loans included held for sale loans of $168 thousand and $13.4 million at December 31, 2018 and 2017, respectively. The net gains on sales of loans at December 31, 2018 and 2017 were $121 thousand and $222 thousand, respectively, and included as a component of other income within non-interest income.