
			Real estate
December 31, 2020	Commercial		Commercial		Residential		Consumer		Total
Allowance for loan losses:
Beginning balance	$	6,888	$	11,496	$	3,226	$	1,067	$	22,677
Charge-offs		(2,771)		(144)		(247)		(317)		(3,479)
Recoveries		525		16		57		148		746
Provisions		4,092		3,191		93		24		7,400
Ending balance	$	8,734	$	14,559	$	3,129	$	922	$	27,344
Ending balance: individually evaluated for impairment		947		180		75				1,202
Ending balance: collectively evaluated for impairment	$	7,787	$	14,379	$	3,054	$	922	$	26,142
Loans receivable:
Ending balance	$	679,286	$	1,137,990	$	277,414	$	83,292	$	2,177,982
Ending balance: individually evaluated for impairment		4,297		3,952		1,546		111		9,906
Ending balance: collectively evaluated for impairment	$	674,989	$	1,134,038	$	275,868	$	83,181	$	2,168,076


			Real estate
December 31, 2019	Commercial		Commercial		Residential		Consumer		Total
Allowance for loan losses:
Beginning balance	$	5,516	$	10,736	$	3,892	$	1,235	$	21,379
Charge-offs		(3,314)		(817)		(477)		(459)		(5,067)
Recoveries		69		1		29		166		265
Provisions		4,617		1,576		(218)		125		6,100
Ending balance	$	6,888	$	11,496	$	3,226	$	1,067	$	22,677
Ending balance: individually evaluated for impairment		363		279		135				777
Ending balance: collectively evaluated for impairment	$	6,525	$	11,217	$	3,091	$	1,067	$	21,900
Loans receivable:
Ending balance	$	522,957	$	1,011,423	$	301,378	$	102,482	$	1,938,240
Ending balance: individually evaluated for impairment		4,658		3,048		2,153		261		10,120
Ending balance: collectively evaluated for impairment	$	518,299	$	1,008,375	$	299,225	$	102,221	$	1,928,120

Real estate


				Percentage		Percentage
	Number			of Total		of Tier 1
	of			Loan		Capital
December 31, 2020 NAICS category	Loans		Balance	Portfolio		(Bank)
Lessors of Residential Buildings and Dwellings	3	$	143			0.1	%
Full-Service Restaurants	3		1,961	0.1	%	0.8
General Automotive Repair	1		1,459	0.1		0.6
School and Employee Bus Transportation	1		725			0.3
All Others	10		1,508	0.1		0.6
	18	$	5,796	0.3	%	2.3	%


				Percentage		Percentage
	Number			of Total		of Tier 1
	of			Loan		Capital
2020 NAICS category	Loans		Balance	Portfolio		(Bank)
Lessors of Nonresidential Buildings	65	$	71,899	3.3	%	26.9	%
Lessors of Residential Buildings and Dwellings	64		53,564	2.5		19.9
Hotels and Motels	27		39,261	1.8		14.5
Full-Service Restaurants	33		27,783	1.3		10.3
Limited-Service Restaurants	8		11,829	0.5		4.4
Gasoline Stations with Convenience Stores	18		12,422	0.6		4.6
Construction and Mining	13		9,718	0.4		3.6
Assisted Living Facilities for the Elderly	2		6,319	0.3		2.3
Colleges, Universities, and Professional Schools	1		6,301	0.3		2.3
All Others	248		67,674	3.1		24.9
	479	$	306,770	14.1	%	113.7	%