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Loans, net and allowance for loan losses (Tables)

12 Months Ended

Dec. 31, 2021

Loans, net and allowance for loan losses

Schedule of major classifications of loans outstanding


December 31		2021			2020
Commercial		$	613,127		$	679,286
Real estate:
Commercial			1,343,539			1,137,990
Residential			297,624			277,414
Consumer			74,883			83,292
Total		$	2,329,173		$	2,177,982

Schedule of changes in allowance for loan losses account by major classification of loans


					Real estate
December 31, 2021		Commercial			Commercial			Residential			Consumer			Total
Allowance for loan losses:
Beginning balance		$	8,734		$	14,559		$	3,129		$	922		$	27,344
Charge-offs			(492)			(252)			(24)			(188)			(956)
Recoveries			89			68			7			81			245
Provisions (credits)			122			1,553			97			(22)			1,750
Ending balance		$	8,453		$	15,928		$	3,209		$	793		$	28,383
Ending balance: individually evaluated for impairment			40			109			26						175
Ending balance: collectively evaluated for impairment		$	8,413		$	15,819		$	3,183		$	793		$	28,208
Loans receivable:
Ending balance		$	613,127		$	1,343,539		$	297,624		$	74,883		$	2,329,173
Ending balance: individually evaluated for impairment			199			2,890			1,273						4,362
Ending balance: collectively evaluated for impairment		$	612,928		$	1,340,649		$	296,351		$	74,883		$	2,324,811


					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						9,795
Ending balance: collectively evaluated for impairment		$	674,989		$	1,134,038		$	275,868		$	83,292		$	2,168,187

Real estate

Schedule of major classification of loans portfolio summarized by credit quality


					Special
December 31, 2021		Pass			Mention			Substandard			Doubtful			Total
Commercial		$	611,151		$	896		$	1,080		$			$	613,127
Real estate:
Commercial			1,324,646			13,939			4,954						1,343,539
Residential			294,892			333			2,399						297,624
Consumer			74,744						139						74,883
Total		$	2,305,433		$	15,168		$	8,572		$			$	2,329,173


					Special
December 31, 2020		Pass			Mention			Substandard			Doubtful			Total
Commercial		$	660,559		$	14,305		$	4,422		$			$	679,286
Real estate:
Commercial			1,107,699			17,517			12,774						1,137,990
Residential			274,327			144			2,943						277,414
Consumer			83,215						77						83,292
Total		$	2,125,800		$	31,966		$	20,216		$			$	2,177,982

Schedule of information concerning nonaccrual loans by major loan classification


			December 31, 2021			December 31, 2020
Commercial		$	185		$	3,822
Real estate:
Commercial			1,793			3,262
Residential			694			922
Consumer			139			111
Total		$	2,811		$	8,117

Schedule of major classifications of loans by past due status


								Greater												Loans > 90
		30-59 Days			60-89 Days			than 90			Total Past									Days and
December 31, 2021		Past Due			Past Due			Days			Due			Current			Total Loans			Accruing
Commercial		$	101		$	155		$	158		$	414		$	612,713		$	613,127
Real estate:
Commercial			768			423			834			2,025			1,341,514			1,343,539
Residential			1,552			207			265			2,024			295,600			297,624		$	13
Consumer			477			163			51			691			74,192			74,883
Total		$	2,898		$	948		$	1,308		$	5,154		$	2,324,019		$	2,329,173		$	13


								Greater												Loans > 90
		30-59 Days			60-89 Days			than 90			Total Past									Days and
December 31, 2020		Past Due			Past Due			Days			Due			Current			Total Loans			Accruing
Commercial		$	73					$	2,245		$	2,318		$	676,968		$	679,286
Real estate:
Commercial			414		$	222			2,362			2,998			1,134,992			1,137,990
Residential			2,072			480			732			3,284			274,130			277,414		$	71
Consumer			384			70			67			521			82,771			83,292
Total		$	2,943		$	772		$	5,406		$	9,121		$	2,168,861		$	2,177,982		$	71

Summarized information concerning impaired loans


											For the Year Ended
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
December 31, 2021		Investment			Balance			Allowance			Investment			Recognized
With no related allowance:
Commercial		$	158		$	481					$	964		$	13
Real estate:
Commercial			2,376			3,120						2,719			22
Residential			873			1,073						1,016			19
Consumer			139			148						100
Total			3,546			4,822						4,799			54
With an allowance recorded:
Commercial			41			41		$	40			1,091			15
Real estate:
Commercial			513			543			109			802			22
Residential			401			401			26			436			13
Consumer
Total			955			985			175			2,329			50
Total impaired loans
Commercial			199			522			40			2,055			28
Real estate:
Commercial			2,889			3,663			109			3,521			44
Residential			1,274			1,474			26			1,452			32
Consumer			139			148						100
Total		$	4,501		$	5,807		$	175		$	7,128		$	104


											For the Year Ended
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
December 31, 2020		Investment			Balance			Allowance			Investment			Recognized
With no related allowance:
Commercial		$	2,251		$	3,421					$	2,915		$	30
Real estate:
Commercial			2,372			2,964						2,148			28
Residential			1,086			1,263						1,223			21
Consumer			111			121						167
Total			5,820			7,769						6,453			79
With an allowance recorded:
Commercial			2,046			2,094			947			2,038			17
Real estate:
Commercial			1,580			1,710			180			1,687			36
Residential			460			482			75			624			13
Consumer
Total			4,086			4,286			1,202			4,349			66
Total impaired loans
Commercial			4,297			5,515			947			4,953			47
Real estate:
Commercial			3,952			4,674			180			3,835			64
Residential			1,546			1,745			75			1,847			34
Consumer			111			121						167
Total		$	9,906		$	12,055		$	1,202		$	10,802		$	145


											For the Year Ended
					Unpaid						Average			Interest
		Recorded			Principal			Related			Recorded			Income
December 31, 2019		Investment			Balance			Allowance			Investment			Recognized
With no related allowance:
Commercial		$	3,638		$	4,175					$	3,907		$	63
Real estate:
Commercial			1,918			2,205						2,385			38
Residential			1,718			2,060						1,362			25
Consumer			261			274						233
Total			7,535			8,714						7,887			126
With an allowance recorded:
Commercial			1,020			1,038		$	363			1,012			32
Real estate:
Commercial			1,130			1,811			279			1,050			10
Residential			435			450			135			1,408			29
Consumer												20
Total			2,585			3,299			777			3,490			71
Total impaired loans
Commercial			4,658			5,213			363			4,919			95
Real estate:
Commercial			3,048			4,016			279			3,435			48
Residential			2,153			2,510			135			2,770			54
Consumer			261			274						253
Total		$	10,120		$	12,013		$	777		$	11,377		$	197

Summary loans whose terms have been modified resulting in troubled debt restructurings


				Pre-Modification			Post-Modification
		Number		Outstanding Recorded			Outstanding			Recorded
December 31, 2021		of Contracts		Investment			Recorded Investment			Investment
Commercial				$			$			$
Commercial real estate
Total				$			$			$

				Pre-Modification			Post-Modification
		Number		Outstanding Recorded			Outstanding			Recorded
December 31, 2020		of Contracts		Investment			Recorded Investment			Investment
Commercial		1		$	12		$	12		$	5
Commercial real estate		3		$	1,073		$	1,073		$	1,046
Total		4		$	1,085		$	1,085		$	1,051

				Pre-Modification			Post-Modification
		Number		Outstanding Recorded			Outstanding			Recorded
December 31, 2019		of Contracts		Investment			Recorded Investment			Investment
Commercial real estate		1		$	346		$	346		$	241