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LOANS (Tables) | 12 Months Ended
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Dec. 31, 2019
Receivables [Abstract] |
Schedule of composition of loans categorized by the type of loan | The following table presents loans outstanding, by type of loan, as of December 31:
|  |  |  |  |  | % of Total |  |  |  |  |  |  | % of Total |
(Dollars in thousands) |  | 2019 |  |  | Loans |  |  | 2018 |  |  | Loans |
Residential mortgage |  | $ | 549,138 |  |  |  | 12.50 | % |  | $ | 571,570 |  |  |  | 14.55 | %
Multifamily mortgage |  |  | 1,210,003 |  |  |  | 27.54 |  |  |  | 1,135,805 |  |  |  | 28.92 |
Commercial mortgage |  |  | 761,244 |  |  |  | 17.32 |  |  |  | 702,165 |  |  |  | 17.88 |
Commercial loans (including equipment financing) |  |  | 1,756,477 |  |  |  | 39.97 |  |  |  | 1,397,057 |  |  |  | 35.57 |
Commercial construction |  |  | 5,306 |  |  |  | 0.12 |  |  |  | — |  |  |  | — |
Home equity lines of credit |  |  | 57,248 |  |  |  | 1.30 |  |  |  | 62,191 |  |  |  | 1.58 |
Consumer loans, including fixed rate home equity loans |  |  | 54,372 |  |  |  | 1.24 |  |  |  | 58,678 |  |  |  | 1.49 |
Other loans |  |  | 349 |  |  |  | 0.01 |  |  |  | 465 |  |  |  | 0.01 |
Total loans |  | $ | 4,394,137 |  |  |  | 100.00 | % |  | $ | 3,927,931 |  |  |  | 100.00 | %
In determining an appropriate amount for the allowance for loan losses (“ALLL”), the Bank segments and evaluates the loan portfolio based on Federal call report codes. The following portfolio classes have been identified as of December 31:
|  |  |  |  |  | % of Total |  |  |  |  |  |  | % of Total |
(Dollars in thousands) |  | 2019 |  |  | Loans |  |  | 2018 |  |  | Loans |
Primary residential mortgage |  | $ | 578,306 |  |  |  | 13.17 | % |  | $ | 600,891 |  |  |  | 15.31 | %
Home equity lines of credit |  |  | 57,248 |  |  |  | 1.30 |  |  |  | 62,191 |  |  |  | 1.58 |
Junior lien loan on residence |  |  | 7,011 |  |  |  | 0.16 |  |  |  | 7,418 |  |  |  | 0.19 |
Multifamily property |  |  | 1,210,003 |  |  |  | 27.56 |  |  |  | 1,135,805 |  |  |  | 28.94 |
Owner-occupied commercial real estate |  |  | 249,419 |  |  |  | 5.68 |  |  |  | 261,193 |  |  |  | 6.65 |
Investment commercial real estate |  |  | 1,095,182 |  |  |  | 24.95 |  |  |  | 1,001,918 |  |  |  | 25.53 |
Commercial and industrial |  |  | 867,295 |  |  |  | 19.76 |  |  |  | 616,838 |  |  |  | 15.72 |
Lease financing |  |  | 258,401 |  |  |  | 5.89 |  |  |  | 172,643 |  |  |  | 4.40 |
Farmland/Agricultural production |  |  | 3,043 |  |  |  | 0.13 |  |  |  | 149 |  |  |  | 0.01 |
Commercial construction |  |  | 5,520 |  |  |  | 0.07 |  |  |  | 86 |  |  |  | 0.01 |
Consumer and other |  |  | 58,213 |  |  |  | 1.33 |  |  |  | 65,180 |  |  |  | 1.66 |
Total loans |  | $ | 4,389,641 |  |  |  | 100.00 | % |  | $ | 3,924,312 |  |  |  | 100.00 | %
Net deferred costs |  |  | 4,496 |  |  |  |  |  |  |  | 3,619 |  |  |  |  |
Total loans including net deferred costs |  | $ | 4,394,137 |  |  |  |  |  |  | $ | 3,927,931 |  |  |  |  |
Schedule of loans to executives and directors | The following table shows the changes in loans to officers, directors and their associates:
(In thousands) |  | 2019 |  |  | 2018 |
Balance, beginning of year |  | $ | 4,574 |  |  | $ | 4,688 |
New loans |  |  | 1,345 |  |  |  | 2,174 |
Repayments |  |  | (1,551 | ) |  |  | (2,288 | )
Loans with individuals no longer considered related parties |  |  | (204 | ) |  |  | — |
Balance, at end of year |  | $ | 4,164 |  |  | $ | 4,574 |
Schedule of loan balances by portfolio segment, based on impairment method, and the corresponding balances in the allowance for loan losses | The following tables present the loan balances by portfolio segment, based on impairment method, and the corresponding balances in the ALLL as of December 31, 2019 and 2018:
December 31, 2019 |
|  | Total |  |  | Ending ALLL |  |  | Total |  |  | Ending ALLL |  |  |  |  |  |  |  |  |
|  | Loans |  |  | Attributable |  |  | Loans |  |  | Attributable |  |  |  |  |  |  |  |  |
|  | Individually |  |  | to Loans |  |  | Collectively |  |  | to Loans |  |  |  |  |  |  |  |  |
|  | Evaluated |  |  | Individually |  |  | Evaluated |  |  | Collectively |  |  |  |  |  |  | Total |
|  | for |  |  | Evaluated for |  |  | for |  |  | Evaluated for |  |  | Total |  |  | Ending |
(In thousands) |  | Impairment |  |  | Impairment |  |  | Impairment |  |  | Impairment |  |  | Loans |  |  | ALLL |
Primary residential mortgage |  | $ | 6,890 |  |  | $ | 215 |  |  | $ | 571,416 |  |  | $ | 1,875 |  |  | $ | 578,306 |  |  | $ | 2,090 |
Home equity lines of credit |  |  | 3 |  |  |  | — |  |  |  | 57,245 |  |  |  | 128 |  |  |  | 57,248 |  |  |  | 128 |
Junior lien loan on residence |  |  | 19 |  |  |  | — |  |  |  | 6,992 |  |  |  | 13 |  |  |  | 7,011 |  |  |  | 13 |
Multifamily property |  |  | — |  |  |  | — |  |  |  | 1,210,003 |  |  |  | 6,037 |  |  |  | 1,210,003 |  |  |  | 6,037 |
Owner-occupied commercial real estate |  |  | 379 |  |  |  | — |  |  |  | 249,040 |  |  |  | 2,064 |  |  |  | 249,419 |  |  |  | 2,064 |
Investment commercial real estate |  |  | 22,605 |  |  |  | 1,000 |  |  |  | 1,072,577 |  |  |  | 14,988 |  |  |  | 1,095,182 |  |  |  | 15,988 |
Commercial and industrial |  |  | 6,028 |  |  |  | 1,585 |  |  |  | 861,267 |  |  |  | 12,768 |  |  |  | 867,295 |  |  |  | 14,353 |
Lease financing |  |  | — |  |  |  | — |  |  |  | 258,401 |  |  |  | 2,642 |  |  |  | 258,401 |  |  |  | 2,642 |
Secured by farmland and agricultural production |  |  | — |  |  |  | — |  |  |  | 3,043 |  |  |  | 38 |  |  |  | 3,043 |  |  |  | 38 |
Commercial construction |  |  | — |  |  |  | — |  |  |  | 5,520 |  |  |  | 27 |  |  |  | 5,520 |  |  |  | 27 |
Consumer and other |  |  | — |  |  |  | — |  |  |  | 58,213 |  |  |  | 296 |  |  |  | 58,213 |  |  |  | 296 |
Total ALLL |  | $ | 35,924 |  |  | $ | 2,800 |  |  | $ | 4,353,717 |  |  | $ | 40,876 |  |  | $ | 4,389,641 |  |  | $ | 43,676 |
December 31, 2018 |
|  | Total |  |  | Ending ALLL |  |  | Total |  |  | Ending ALLL |  |  |  |  |  |  |  |  |
|  | Loans |  |  | Attributable |  |  | Loans |  |  | Attributable |  |  |  |  |  |  |  |  |
|  | Individually |  |  | to Loans |  |  | Collectively |  |  | to Loans |  |  |  |  |  |  |  |  |
|  | Evaluated |  |  | Individually |  |  | Evaluated |  |  | Collectively |  |  |  |  |  |  | Total |
|  | for |  |  | Evaluated for |  |  | for |  |  | Evaluated for |  |  | Total |  |  | Ending |
(In thousands) |  | Impairment |  |  | Impairment |  |  | Impairment |  |  | Impairment |  |  | Loans |  |  | ALLL |
Primary residential mortgage |  | $ | 9,518 |  |  | $ | 262 |  |  | $ | 591,373 |  |  | $ | 3,244 |  |  | $ | 600,891 |  |  | $ | 3,506 |
Home equity lines of credit |  |  | 255 |  |  |  | — |  |  |  | 61,936 |  |  |  | 164 |  |  |  | 62,191 |  |  |  | 164 |
Junior lien loan on residence |  |  | 36 |  |  |  | — |  |  |  | 7,382 |  |  |  | 15 |  |  |  | 7,418 |  |  |  | 15 |
Multifamily property |  |  | 1,262 |  |  |  | — |  |  |  | 1,134,543 |  |  |  | 5,959 |  |  |  | 1,135,805 |  |  |  | 5,959 |
Owner-occupied commercial real estate |  |  | 1,574 |  |  |  | — |  |  |  | 259,619 |  |  |  | 2,614 |  |  |  | 261,193 |  |  |  | 2,614 |
Investment commercial real estate |  |  | 18,655 |  |  |  | — |  |  |  | 983,263 |  |  |  | 14,248 |  |  |  | 1,001,918 |  |  |  | 14,248 |
Commercial and industrial |  |  | — |  |  |  | — |  |  |  | 616,838 |  |  |  | 9,839 |  |  |  | 616,838 |  |  |  | 9,839 |
Lease financing |  |  | — |  |  |  | — |  |  |  | 172,643 |  |  |  | 1,772 |  |  |  | 172,643 |  |  |  | 1,772 |
Secured by farmland and agricultural production |  |  | — |  |  |  | — |  |  |  | 149 |  |  |  | 2 |  |  |  | 149 |  |  |  | 2 |
Commercial construction |  |  | — |  |  |  | — |  |  |  | 86 |  |  |  | 1 |  |  |  | 86 |  |  |  | 1 |
Consumer and other |  |  | — |  |  |  | — |  |  |  | 65,180 |  |  |  | 384 |  |  |  | 65,180 |  |  |  | 384 |
Total ALLL |  | $ | 31,300 |  |  | $ | 262 |  |  | $ | 3,893,012 |  |  | $ | 38,242 |  |  | $ | 3,924,312 |  |  | $ | 38,504 |
Schedule of loans individually evaluated for impairment | The following tables present loans individually evaluated for impairment by class of loans as of December 31, 2019 and 2018:
|  | December 31, 2019 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  | Average |
|  | Principal |  |  | Recorded |  |  | Specific |  |  | Impaired |
(In thousands) |  | Balance |  |  | Investment |  |  | Reserves |  |  | Loans |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Primary residential mortgage |  | $ | 7,310 |  |  | $ | 6,071 |  |  | $ | — |  |  | $ | 7,186 |
Owner-occupied commercial real estate |  |  | 450 |  |  |  | 379 |  |  |  | — |  |  |  | 1,099 |
Investment commercial real estate |  |  | 9,663 |  |  |  | 8,138 |  |  |  | — |  |  |  | 14,115 |
Home equity lines of credit |  |  | 5 |  |  |  | 3 |  |  |  | — |  |  |  | 77 |
Junior lien loan on residence |  |  | 92 |  |  |  | 19 |  |  |  | — |  |  |  | 29 |
Total loans with no related allowance |  | $ | 17,520 |  |  | $ | 14,610 |  |  | $ | — |  |  | $ | 22,506 |
With related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Primary residential mortgage |  | $ | 819 |  |  | $ | 819 |  |  | $ | 215 |  |  | $ | 1,011 |
Investment commercial real estate |  |  | 15,064 |  |  |  | 14,467 |  |  |  | 1,000 |  |  |  | 4,832 |
Commercial and industrial |  |  | 6,229 |  |  |  | 6,028 |  |  |  | 1,585 |  |  |  | 3,685 |
Total loans with related allowance |  | $ | 22,112 |  |  | $ | 21,314 |  |  | $ | 2,800 |  |  | $ | 9,528 |
Total loans individually evaluated for impairment |  | $ | 39,632 |  |  | $ | 35,924 |  |  | $ | 2,800 |  |  | $ | 32,034 |
|  | December 31, 2018 |
|  | Unpaid |  |  |  |  |  |  |  |  |  |  | Average |
|  | Principal |  |  | Recorded |  |  | Specific |  |  | Impaired |
(In thousands) |  | Balance |  |  | Investment |  |  | Reserves |  |  | Loans |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Primary residential mortgage |  | $ | 9,789 |  |  | $ | 8,502 |  |  | $ | — |  |  | $ | 8,042 |
Owner-occupied commercial real estate |  |  | 2,741 |  |  |  | 1,574 |  |  |  | — |  |  |  | 2,025 |
Investment commercial real estate |  |  | 20,179 |  |  |  | 18,655 |  |  |  | — |  |  |  | 13,999 |
Home equity lines of credit |  |  | 257 |  |  |  | 255 |  |  |  | — |  |  |  | 123 |
Junior lien loan on residence |  |  | 102 |  |  |  | 36 |  |  |  | — |  |  |  | 45 |
Multifamily property |  |  | 1,262 |  |  |  | 1,262 |  |  |  | — |  |  |  | 105 |
Total loans with no related allowance |  | $ | 34,330 |  |  | $ | 30,284 |  |  | $ | — |  |  | $ | 24,339 |
With related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Primary residential mortgage |  | $ | 1,016 |  |  | $ | 1,016 |  |  | $ | 262 |  |  | $ | 1,144 |
Total loans with related allowance |  | $ | 1,016 |  |  | $ | 1,016 |  |  | $ | 262 |  |  | $ | 1,144 |
Total loans individually evaluated for impairment |  | $ | 35,346 |  |  | $ | 31,300 |  |  | $ | 262 |  |  | $ | 25,483 |
Schedule of recorded investment in nonaccrual and loans past due over 90 days still on accrual | The following tables present the recorded investment in nonaccrual and loans past due over 90 days still on accrual by class of loans as of December 31, 2019 and 2018:
|  | December 31, 2019 |
|  |  |  |  |  | Loans Past Due Over |
|  |  |  |  |  | 90 Days and Still |
(In thousands) |  | Nonaccrual |  |  | Accruing Interest |
Primary residential mortgage |  | $ | 4,533 |  |  | $ | — |
Home equity lines of credit |  |  | 3 |  |  |  | — |
Junior lien loan on residence |  |  | 19 |  |  |  | — |
Owner-occupied commercial real estate |  |  | 379 |  |  |  | — |
Investment commercial real estate |  |  | 17,919 |  |  |  | — |
Commercial and industrial |  |  | 6,028 |  |  |  | — |
Total |  | $ | 28,881 |  |  | $ | — |
|  | December 31, 2018 |
|  |  |  |  |  | Loans Past Due Over |
|  |  |  |  |  | 90 Days and Still |
(In thousands) |  | Nonaccrual |  |  | Accruing Interest |
Primary residential mortgage |  | $ | 5,215 |  |  | $ | — |
Home equity lines of credit |  |  | 235 |  |  |  | — |
Junior lien loan on residence |  |  | 36 |  |  |  | — |
Owner-occupied commercial real estate |  |  | 1,574 |  |  |  | — |
Investment commercial real estate |  |  | 18,655 |  |  |  | — |
Total |  | $ | 25,715 |  |  | $ | — |
Schedule of aging of past due loans | The following tables present the recorded investment in past due loans as of December 31, 2019 and 2018 by class of loans, excluding nonaccrual loans:
|  | December 31, 2019 |
|  | 30-59 |  |  | 60-89 |  |  | Greater Than |  |  |  |  |
|  | Days |  |  | Days |  |  | 90 Days |  |  | Total |
(In thousands) |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |
Primary residential mortgage |  | $ | 1,264 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,264 |
Home equity lines of credit |  |  | 80 |  |  |  | — |  |  |  | — |  |  |  | 80 |
Commercial and industrial |  |  | 566 |  |  |  | — |  |  |  | — |  |  |  | 566 |
Total |  | $ | 1,910 |  |  | $ | — |  |  | $ | — |  |  | $ | 1,910 |
|  | December 31, 2018 |
|  | 30-59 |  |  | 60-89 |  |  | Greater Than |  |  |  |  |
|  | Days |  |  | Days |  |  | 90 Days |  |  | Total |
(In thousands) |  | Past Due |  |  | Past Due |  |  | Past Due |  |  | Past Due |
Primary residential mortgage |  | $ | 606 |  |  | $ | 491 |  |  | $ | — |  |  | $ | 1,097 |
Consumer and other |  |  | 2 |  |  |  | — |  |  |  | — |  |  |  | 2 |
Total |  | $ | 608 |  |  | $ | 491 |  |  | $ | — |  |  | $ | 1,099 |
Schedule of the risk category of loans by class of loans | The table below presents, based on the most recent analysis performed, the risk category of loans by class of loans for December 31, 2019 and 2018.
December 31, 2019 |
|  |  |  |  |  | Special |  |  |  |  |  |  |  |  |
(In thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |
Primary residential mortgage |  | $ | 570,353 |  |  | $ | 853 |  |  | $ | 7,100 |  |  | $ | — |
Home equity lines of credit |  |  | 57,245 |  |  |  | — |  |  |  | 3 |  |  |  | — |
Junior lien loan on residence |  |  | 6,992 |  |  |  | — |  |  |  | 19 |  |  |  | — |
Multifamily property |  |  | 1,209,288 |  |  |  | — |  |  |  | 715 |  |  |  | — |
Owner-occupied commercial real estate |  |  | 247,388 |  |  |  | — |  |  |  | 2,031 |  |  |  | — |
Investment commercial real estate |  |  | 1,053,445 |  |  |  | 6,325 |  |  |  | 35,412 |  |  |  | — |
Commercial and industrial |  |  | 847,285 |  |  |  | 6,382 |  |  |  | 13,628 |  |  |  | — |
Lease financing |  |  | 258,401 |  |  |  | — |  |  |  | — |  |  |  | — |
Secured by farmland and agricultural |  |  | 3,043 |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial construction |  |  | 5,437 |  |  |  | 83 |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  | 58,213 |  |  |  | — |  |  |  | — |  |  |  | — |
Total |  | $ | 4,317,090 |  |  | $ | 13,643 |  |  | $ | 58,908 |  |  | $ | — |
December 31, 2018 |
|  |  |  |  |  | Special |  |  |  |  |  |  |  |  |
(In thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |
Primary residential mortgage |  | $ | 590,372 |  |  | $ | 943 |  |  | $ | 9,576 |  |  | $ | — |
Home equity lines of credit |  |  | 61,936 |  |  |  | — |  |  |  | 255 |  |  |  | — |
Junior lien loan on residence |  |  | 7,382 |  |  |  | — |  |  |  | 36 |  |  |  | — |
Multifamily property |  |  | 1,130,926 |  |  |  | 3,263 |  |  |  | 1,616 |  |  |  | — |
Owner-occupied commercial real estate |  |  | 255,417 |  |  |  | 249 |  |  |  | 5,527 |  |  |  | — |
Investment commercial real estate |  |  | 948,300 |  |  |  | 20,756 |  |  |  | 32,862 |  |  |  | — |
Commercial and industrial |  |  | 608,262 |  |  |  | 417 |  |  |  | 8,159 |  |  |  | — |
Lease financing |  |  | 172,643 |  |  |  | — |  |  |  | — |  |  |  | — |
Secured by farmland and agricultural |  |  | 149 |  |  |  | — |  |  |  | — |  |  |  | — |
Commercial construction |  |  | — |  |  |  | 86 |  |  |  | — |  |  |  | — |
Consumer and other loans |  |  | 64,946 |  |  |  | — |  |  |  | 234 |  |  |  | — |
Total |  | $ | 3,840,333 |  |  | $ | 25,714 |  |  | $ | 58,265 |  |  | $ | — |
Schedule of Activity in Allowance for Loan and Lease Losses | The tables below present a roll forward of the ALLL for the years ended December 31, 2019, 2018 and 2017.
|  | January 1, |  |  |  |  |  |  |  |  |  |  |  |  |  |  | December 31, |
|  | 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2019 |
|  | Beginning |  |  |  |  |  |  |  |  |  |  | Provision |  |  | Ending |
(In thousands) |  | ALLL |  |  | Charge-Offs |  |  | Recoveries |  |  | (Credit) |  |  | ALLL |
Primary residential mortgage |  | $ | 3,506 |  |  | $ | (80 | ) |  | $ | 205 |  |  | $ | (1,541 | ) |  | $ | 2,090 |
Home equity lines of credit |  |  | 164 |  |  |  | — |  |  |  | 10 |  |  |  | (46 | ) |  |  | 128 |
Junior lien loan on residence |  |  | 15 |  |  |  | — |  |  |  | 11 |  |  |  | (13 | ) |  |  | 13 |
Multifamily property |  |  | 5,959 |  |  |  | — |  |  |  | — |  |  |  | 78 |  |  |  | 6,037 |
Owner-occupied commercial real estate |  |  | 2,614 |  |  |  | — |  |  |  | 1,060 |  |  |  | (1,610 | ) |  |  | 2,064 |
Investment commercial real estate |  |  | 14,248 |  |  |  | — |  |  |  | — |  |  |  | 1,740 |  |  |  | 15,988 |
Commercial and industrial |  |  | 9,839 |  |  |  | — |  |  |  | 17 |  |  |  | 4,497 |  |  |  | 14,353 |
Lease financing |  |  | 1,772 |  |  |  | — |  |  |  | — |  |  |  | 870 |  |  |  | 2,642 |
Secured by farmland and agricultural |  |  | 2 |  |  |  | — |  |  |  | — |  |  |  | 36 |  |  |  | 38 |
Commercial construction |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | 26 |  |  |  | 27 |
Consumer and other |  |  | 384 |  |  |  | (55 | ) |  |  | 4 |  |  |  | (37 | ) |  |  | 296 |
Total ALLL |  | $ | 38,504 |  |  | $ | (135 | ) |  | $ | 1,307 |  |  | $ | 4,000 |  |  | $ | 43,676 |
|  | January 1, |  |  |  |  |  |  |  |  |  |  |  |  |  |  | December 31, |
|  | 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2018 |
|  | Beginning |  |  |  |  |  |  |  |  |  |  | Provision |  |  | Ending |
(In thousands) |  | ALLL |  |  | Charge-Offs |  |  | Recoveries |  |  | (Credit) |  |  | ALLL |
Primary residential mortgage |  | $ | 4,085 |  |  | $ | (138 | ) |  | $ | 160 |  |  | $ | (601 | ) |  | $ | 3,506 |
Home equity lines of credit |  |  | 221 |  |  |  | — |  |  |  | 10 |  |  |  | (67 | ) |  |  | 164 |
Junior lien loan on residence |  |  | 12 |  |  |  | — |  |  |  | 68 |  |  |  | (65 | ) |  |  | 15 |
Multifamily property |  |  | 10,007 |  |  |  | — |  |  |  | — |  |  |  | (4,048 | ) |  |  | 5,959 |
Owner-occupied commercial real estate |  |  | 2,385 |  |  |  | (361 | ) |  |  | 66 |  |  |  | 524 |  |  |  | 2,614 |
Investment commercial real estate |  |  | 11,933 |  |  |  | (1,335 | ) |  |  | 45 |  |  |  | 3,605 |  |  |  | 14,248 |
Commercial and industrial |  |  | 6,563 |  |  |  | (46 | ) |  |  | 109 |  |  |  | 3,213 |  |  |  | 9,839 |
Lease financing |  |  | 884 |  |  |  | — |  |  |  | — |  |  |  | 888 |  |  |  | 1,772 |
Secured by farmland and agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 2 |  |  |  | 2 |
Commercial construction |  |  | 1 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1 |
Consumer and other |  |  | 349 |  |  |  | (68 | ) |  |  | 4 |  |  |  | 99 |  |  |  | 384 |
Total ALLL |  | $ | 36,440 |  |  | $ | (1,948 | ) |  | $ | 462 |  |  | $ | 3,550 |  |  | $ | 38,504 |
|  | January 1, |  |  |  |  |  |  |  |  |  |  |  |  |  |  | December 31, |
|  | 2017 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2017 |
|  | Beginning |  |  |  |  |  |  |  |  |  |  | Provision |  |  | Ending |
(In thousands) |  | ALLL |  |  | Charge-Offs |  |  | Recoveries |  |  | (Credit) |  |  | ALLL |
Primary residential mortgage |  | $ | 3,666 |  |  | $ | (889 | ) |  | $ | 173 |  |  | $ | 1,135 |  |  | $ | 4,085 |
Home equity lines of credit |  |  | 233 |  |  |  | (23 | ) |  |  | 62 |  |  |  | (51 | ) |  |  | 221 |
Junior lien loan on residence |  |  | 16 |  |  |  | (99 | ) |  |  | 26 |  |  |  | 69 |  |  |  | 12 |
Multifamily property |  |  | 11,192 |  |  |  | — |  |  |  | — |  |  |  | (1,185 | ) |  |  | 10,007 |
Owner-occupied commercial real estate |  |  | 1,774 |  |  |  | (734 | ) |  |  | — |  |  |  | 1,345 |  |  |  | 2,385 |
Investment commercial real estate |  |  | 10,909 |  |  |  | (123 | ) |  |  | 23 |  |  |  | 1,124 |  |  |  | 11,933 |
Commercial and industrial |  |  | 4,164 |  |  |  | (76 | ) |  |  | 115 |  |  |  | 2,360 |  |  |  | 6,563 |
Lease financing |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 884 |  |  |  | 884 |
Secured by farmland and agricultural |  |  | 2 |  |  |  | — |  |  |  | — |  |  |  | (2 | ) |  |  | — |
Commercial construction |  |  | 9 |  |  |  | — |  |  |  | — |  |  |  | (8 | ) |  |  | 1 |
Consumer and other |  |  | 243 |  |  |  | (77 | ) |  |  | 4 |  |  |  | 179 |  |  |  | 349 |
Total ALLL |  | $ | 32,208 |  |  | $ | (2,021 | ) |  | $ | 403 |  |  | $ | 5,850 |  |  | $ | 36,440 |
Schedule of loans modified as troubled debt restructurings | The following table presents loans by class modified as troubled debt restructurings that occurred during the year ended December 31, 2019:
|  |  |  |  |  | Pre-Modification |  |  | Post-Modification |
|  |  |  |  |  | Outstanding |  |  | Outstanding |
|  | Number of |  |  | Recorded |  |  | Recorded |
(Dollars in thousands) |  | Contracts |  |  | Investment |  |  | Investment |
Primary residential mortgage |  |  | 2 |  |  | $ | 530 |  |  | $ | 530 |
Commercial and industrial |  |  | 5 |  |  |  | 6,028 |  |  |  | 6,028 |
Total |  |  | 7 |  |  | $ | 6,558 |  |  | $ | 6,558 |
The following table presents loans by class modified as troubled debt restructurings that occurred during the year ended December 31, 2018:
|  |  |  |  |  | Pre-Modification |  |  | Post-Modification |
|  |  |  |  |  | Outstanding |  |  | Outstanding |
|  | Number of |  |  | Recorded |  |  | Recorded |
(Dollars in thousands) |  | Contracts |  |  | Investment |  |  | Investment |
Primary residential mortgage |  |  | 2 |  |  | $ | 909 |  |  | $ | 909 |
Investment commercial real estate |  |  | 1 |  |  |  | 15,202 |  |  |  | 15,202 |
Total |  |  | 3 |  |  | $ | 16,111 |  |  | $ | 16,111 |
The following table presents loans by class modified as troubled debt restructurings that occurred during the year ended December 31, 2017:
|  |  |  |  |  | Pre-Modification |  |  | Post-Modification |
|  |  |  |  |  | Outstanding |  |  | Outstanding |
|  | Number of |  |  | Recorded |  |  | Recorded |
(Dollars in thousands) |  | Contracts |  |  | Investment |  |  | Investment |
Primary residential mortgage |  |  | 6 |  |  | $ | 1,223 |  |  | $ | 1,223 |
Total |  |  | 6 |  |  | $ | 1,223 |  |  | $ | 1,223 |
The following table presents loans by class modified as troubled debt restructurings during the year ended December 31, 2019 for which there was a payment default during the same period:
|  | Number of |  |  | Recorded |
(Dollars in thousands) |  | Contracts |  |  | Investment |
Primary residential mortgage |  |  | 1 |  |  | $ | 201 |
Total |  |  | 1 |  |  | $ | 201 |
The following table presents loans by class modified as troubled debt restructurings during the year ended December 31, 2017 for which there was a payment default during the same period:
|  | Number of |  |  | Recorded |
(Dollars in thousands) |  | Contracts |  |  | Investment |
Primary residential mortgage |  |  | 1 |  |  | $ | 336 |
Total |  |  | 1 |  |  | $ | 336 |

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