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Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2022
Receivables [Abstract] |
Amortized Cost and Unpaid Principal Balance of Loans by Loan Segment | The following table presents amortized cost and unpaid principal balance of loans for the periods indicated:
| June 30, 2022 | December 31, 2021
(In Thousands) | Amortized Cost | Unpaid Principal | Difference | Amortized Cost | Unpaid Principal | Difference
Commercial & industrial loans | $394,841 |  | $397,154 |  | ($2,313) |  | $448,338 |  | $454,106 |  | ($5,768) |
Commercial real estate: |  |  |  |  |  |
Owner occupied properties | 313,174 |  | 314,761 |  | (1,587) |  | 300,200 |  | 301,623 |  | (1,423) |
Non-owner occupied and multifamily properties | 446,592 |  | 449,987 |  | (3,395) |  | 435,311 |  | 438,631 |  | (3,320) |
Residential real estate: |  |  |  |  |  |
1-4 family residential properties secured by first liens | 37,298 |  | 37,346 |  | (48) |  | 32,542 |  | 32,602 |  | (60) |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | 21,953 |  | 21,821 |  | 132 |  | 19,610 |  | 19,489 |  | 121 |
1-4 family residential construction loans | 43,915 |  | 44,215 |  | (300) |  | 36,222 |  | 36,542 |  | (320) |
Other construction, land development and raw land loans | 87,163 |  | 87,669 |  | (506) |  | 88,094 |  | 88,604 |  | (510) |
Obligations of states and political subdivisions in the US | 24,005 |  | 24,152 |  | (147) |  | 16,403 |  | 16,565 |  | (162) |
Agricultural production, including commercial fishing | 29,482 |  | 29,638 |  | (156) |  | 27,959 |  | 28,082 |  | (123) |
Consumer loans | 4,092 |  | 4,054 |  | 38 |  | 4,801 |  | 4,763 |  | 38 |
Other loans | 3,194 |  | 3,208 |  | (14) |  | 4,406 |  | 4,422 |  | (16) |
Total | 1,405,709 |  | 1,414,005 |  | (8,296) |  | 1,413,886 |  | 1,425,429 |  | (11,543) |
Allowance for credit losses | (11,537) |  |  |  | (11,739) |  |  |
| $1,394,172 |  | $1,414,005 |  | ($8,296) |  | $1,402,147 |  | $1,425,429 |  | ($11,543) |
Allowance for Credit Losses | The activity in the ACL related to loans held for investment is as follows:
Three Months Ended June 30, | Beginning Balance |  | Credit Loss Expense (Benefit) | Charge-offs | Recoveries | Ending Balance
| (In Thousands)
2022 |  |  |  |  |  |
Commercial & industrial loans | $2,901 |  |  | $123 |  | ($166) |  | $103 |  | $2,961 |
Commercial real estate: |  |  |  |  |  |
Owner occupied properties | 2,513 |  |  | 60 |  | — |  | — |  | 2,573 |
Non-owner occupied and multifamily properties | 3,063 |  |  | 44 |  | — |  | — |  | 3,107 |
Residential real estate: |  |  |  |  |  |
1-4 family residential properties secured by first liens | 510 |  |  | 110 |  | — |  | — |  | 620 |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | 301 |  |  | 17 |  | — |  | 9 |  | 327 |
1-4 family residential construction loans | 210 |  |  | 21 |  | — |  | — |  | 231 |
Other construction, land development and raw land loans | 1,550 |  |  | (88) |  | — |  | — |  | 1,462 |
Obligations of states and political subdivisions in the US | 52 |  |  | 7 |  | — |  | — |  | 59 |
Agricultural production, including commercial fishing | 128 |  |  | (8) |  | — |  | 7 |  | 127 |
Consumer loans | 75 |  |  | (12) |  | — |  | 1 |  | 64 |
Other loans | 7 |  |  | (1) |  | — |  | — |  | 6 |
Total | $11,310 |  |  | $273 |  | ($166) |  | $120 |  | $11,537 |
2021 |  |  |  |  |  |
Commercial & industrial loans | $4,269 |  |  | $105 |  | ($110) |  | $27 |  | $4,291 |
Commercial real estate: |  |  |  |  |  |
Owner occupied properties | 3,366 |  |  | (28) |  | — |  | 2 |  | 3,340 |
Non-owner occupied and multifamily properties | 3,704 |  |  | 137 |  | — |  | — |  | 3,841 |
Residential real estate: |  |  |  |  |  |
1-4 family residential properties secured by first liens | 813 |  |  | (183) |  | — |  | — |  | 630 |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | 342 |  |  | (12) |  | — |  | 10 |  | 340 |
1-4 family residential construction loans | 260 |  |  | (29) |  | — |  | — |  | 231 |
Other construction, land development and raw land loans | 1,821 |  |  | (151) |  | — |  | — |  | 1,670 |
Obligations of states and political subdivisions in the US | 36 |  |  | 3 |  | — |  | — |  | 39 |
Agricultural production, including commercial fishing | 46 |  |  | 4 |  | — |  | 7 |  | 57 |
Consumer loans | 104 |  |  | (10) |  | — |  | — |  | 94 |
Other loans | 3 |  |  | 3 |  | — |  | — |  | 6 |
Total | $14,764 |  |  | ($161) |  | ($110) |  | $46 |  | $14,539 |
Six Months Ended June 30, | Beginning Balance |  | Credit Loss Expense (Benefit) | Charge-offs | Recoveries | Ending Balance
| (In Thousands)
2022 |  |  |  |  |  |
Commercial & industrial loans | $3,027 |  |  | $279 |  | ($461) |  | $116 |  | $2,961 |
Commercial real estate: |  |  |  |  |  |
Owner occupied properties | 3,176 |  |  | (603) |  | — |  | — |  | 2,573 |
Non-owner occupied and multifamily properties | 2,930 |  |  | 177 |  | — |  | — |  | 3,107 |
Residential real estate: |  |  |  |  |  |
1-4 family residential properties secured by first liens | 439 |  |  | 181 |  | — |  | — |  | 620 |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | 215 |  |  | 91 |  | — |  | 21 |  | 327 |
1-4 family residential construction loans | 120 |  |  | 111 |  | — |  | — |  | 231 |
Other construction, land development and raw land loans | 1,635 |  |  | (173) |  | — |  | — |  | 1,462 |
Obligations of states and political subdivisions in the US | 32 |  |  | 27 |  | — |  | — |  | 59 |
Agricultural production, including commercial fishing | 91 |  |  | 21 |  | — |  | 15 |  | 127 |
Consumer loans | 67 |  |  | (4) |  | — |  | 1 |  | 64 |
Other loans | 7 |  |  | (1) |  | — |  | — |  | 6 |
Total | $11,739 |  |  | $106 |  | ($461) |  | $153 |  | $11,537 |
2021 |  |  |  |  |  |
Commercial & industrial loans | $4,348 |  |  | $4 |  | ($273) |  | $212 |  | $4,291 |
Commercial real estate: |  |  |  |  |  |
Owner occupied properties | 3,579 |  |  | (243) |  | — |  | 4 |  | 3,340 |
Non-owner occupied and multifamily properties | 4,944 |  |  | (1,103) |  | — |  | — |  | 3,841 |
Residential real estate: |  |  |  |  |  |
1-4 family residential properties secured by first liens | 673 |  |  | (43) |  | — |  | — |  | 630 |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | 419 |  |  | (99) |  | — |  | 20 |  | 340 |
1-4 family residential construction loans | 454 |  |  | (223) |  | — |  | — |  | 231 |
Other construction, land development and raw land loans | 1,994 |  |  | (324) |  | — |  | — |  | 1,670 |
Obligations of states and political subdivisions in the US | 44 |  |  | (5) |  | — |  | — |  | 39 |
Agricultural production, including commercial fishing | 49 |  |  | (7) |  | — |  | 15 |  | 57 |
Consumer loans | 118 |  |  | (26) |  | — |  | 2 |  | 94 |
Other loans | 3 |  |  | 3 |  | — |  | — |  | 6 |
Total | $16,625 |  |  | ($2,066) |  | ($273) |  | $253 |  | $14,539 |
Portfolio of Risk-rated Loans by Grade and by Year of Origination | The following tables present the Company's portfolio of risk-rated loans by grade and by year of origination. Management considers the guidance in ASC 310-20 when determining whether a modification, extension, or renewal of loan constitutes a current period origination. Generally, current period renewals of credit are re-underwritten at the point of renewal and considered current period originations for purposes of the table below.
June 30, 2022 | 2022 | 2021 | 2020 | 2019 | 2018 | Prior | Total
| (In Thousands)
Commercial & industrial loans |  |  |  |  |  |  |
Pass | $97,229 |  | $126,148 |  | $50,617 |  | $21,259 |  | $29,661 |  | $57,889 |  | $382,803 |
Classified | 2,689 |  | 5,459 |  | — |  | 119 |  | 2,950 |  | 821 |  | 12,038 |
Total commercial & industrial loans | $99,918 |  | $131,607 |  | $50,617 |  | $21,378 |  | $32,611 |  | $58,710 |  | $394,841 |
Commercial real estate: |  |  |  |  |  |  |
Owner occupied properties |  |  |  |  |  |  |
Pass | $35,493 |  | $70,745 |  | $81,000 |  | $38,694 |  | $13,415 |  | $65,980 |  | $305,327 |
Classified | — |  | — |  | 1,331 |  | — |  | 498 |  | 6,018 |  | 7,847 |
Total commercial real estate owner occupied properties | $35,493 |  | $70,745 |  | $82,331 |  | $38,694 |  | $13,913 |  | $71,998 |  | $313,174 |
Non-owner occupied and multifamily properties |  |  |  |  |
Pass | $26,141 |  | $82,850 |  | $74,798 |  | $56,709 |  | $33,807 |  | $161,854 |  | $436,159 |
Classified | — |  | — |  | — |  | 277 |  | 6 |  | 10,150 |  | 10,433 |
Total commercial real estate non-owner occupied and multifamily properties | $26,141 |  | $82,850 |  | $74,798 |  | $56,986 |  | $33,813 |  | $172,004 |  | $446,592 |
Residential real estate: |  |  |  |  |  |  |
1-4 family residential properties secured by first liens |  |  |  |  |
Pass | $8,410 |  | $9,846 |  | $6,490 |  | $3,402 |  | $494 |  | $8,373 |  | $37,015 |
Classified | — |  | — |  | — |  | — |  | 90 |  | 193 |  | 283 |
Total residential real estate 1-4 family residential properties secured by first liens | $8,410 |  | $9,846 |  | $6,490 |  | $3,402 |  | $584 |  | $8,566 |  | $37,298 |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens |  |
Pass | $3,219 |  | $5,467 |  | $2,570 |  | $2,861 |  | $3,447 |  | $4,109 |  | $21,673 |
Classified | — |  | — |  | — |  | — |  | 270 |  | 10 |  | 280 |
Total residential real estate 1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | $3,219 |  | $5,467 |  | $2,570 |  | $2,861 |  | $3,717 |  | $4,119 |  | $21,953 |
1-4 family residential construction loans |  |  |  |  |  |  |
Pass | $21,804 |  | $8,522 |  | $441 |  | $481 |  | $— |  | $12,558 |  | $43,806 |
Classified | — |  | — |  | — |  | — |  | — |  | 109 |  | 109 |
Total residential real estate 1-4 family residential construction loans | $21,804 |  | $8,522 |  | $441 |  | $481 |  | $— |  | $12,667 |  | $43,915 |
Other construction, land development and raw land loans |  |  |  |
Pass | $5,651 |  | $41,340 |  | $19,578 |  | $9,402 |  | $3,396 |  | $5,945 |  | $85,312 |
Classified | — |  | — |  | — |  | — |  | 369 |  | 1,482 |  | 1,851 |
Total other construction, land development and raw land loans | $5,651 |  | $41,340 |  | $19,578 |  | $9,402 |  | $3,765 |  | $7,427 |  | $87,163 |
Obligations of states and political subdivisions in the US |  |  |  |
Pass | $285 |  | $9,669 |  | $2,667 |  | $1,864 |  | $282 |  | $9,238 |  | $24,005 |
Classified | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total obligations of states and political subdivisions in the US | $285 |  | $9,669 |  | $2,667 |  | $1,864 |  | $282 |  | $9,238 |  | $24,005 |
Agricultural production, including commercial fishing |  |  |  |
Pass | $3,549 |  | $18,683 |  | $3,764 |  | $678 |  | $1,073 |  | $1,735 |  | $29,482 |
Classified | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total agricultural production, including commercial fishing | $3,549 |  | $18,683 |  | $3,764 |  | $678 |  | $1,073 |  | $1,735 |  | $29,482 |
Consumer loans |  |  |  |  |  |  |
Pass | $770 |  | $499 |  | $541 |  | $397 |  | $306 |  | $1,570 |  | $4,083 |
Classified | — |  | — |  | — |  | — |  | — |  | 9 |  | 9 |
Total consumer loans | $770 |  | $499 |  | $541 |  | $397 |  | $306 |  | $1,579 |  | $4,092 |
Other loans |  |  |  |  |  |  |
Pass | $568 |  | $1,143 |  | $1,598 |  | $408 |  | $— |  | ($523) |  | $3,194 |
Classified | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total other loans | $568 |  | $1,143 |  | $1,598 |  | $408 |  | $— |  | ($523) |  | $3,194 |
Total loans |  |  |  |  |  |  |
Pass | $203,119 |  | $374,912 |  | $244,064 |  | $136,155 |  | $85,881 |  | $328,728 |  | $1,372,859 |
Classified | 2,689 |  | 5,459 |  | 1,331 |  | 396 |  | 4,183 |  | 18,792 |  | 32,850 |
Total loans | $205,808 |  | $380,371 |  | $245,395 |  | $136,551 |  | $90,064 |  | $347,520 |  | $1,405,709 |
Total pass loans | $203,119 |  | $374,912 |  | $244,064 |  | $136,155 |  | $85,881 |  | $328,728 |  | $1,372,859 |
Government guarantees | (4,441) |  | (62,412) |  | (11,051) |  | (13,290) |  | (3,117) |  | (4,898) |  | (99,209) |
Total pass loans, net of government guarantees | $198,678 |  | $312,500 |  | $233,013 |  | $122,865 |  | $82,764 |  | $323,830 |  | $1,273,650 |
Total classified loans | $2,689 |  | $5,459 |  | $1,331 |  | $396 |  | $4,183 |  | $18,792 |  | $32,850 |
Government guarantees | (2,420) |  | (4,913) |  | (1,198) |  | — |  | — |  | (9,818) |  | (18,349) |
Total classified loans, net government guarantees | $269 |  | $546 |  | $133 |  | $396 |  | $4,183 |  | $8,974 |  | $14,501 |
December 31, 2021 | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Total
| (In Thousands)
Commercial & industrial loans |  |  |  |  |  |  |
Pass | $227,376 |  | $54,478 |  | $29,846 |  | $37,339 |  | $23,205 |  | $44,554 |  | $416,798 |
Classified | 18,853 |  | 714 |  | 3,564 |  | 3,118 |  | 517 |  | 4,774 |  | 31,540 |
Total commercial & industrial loans | $246,229 |  | $55,192 |  | $33,410 |  | $40,457 |  | $23,722 |  | $49,328 |  | $448,338 |
Commercial real estate: |  |  |  |  |  |  |
Owner occupied properties |  |  |  |  |  |  |
Pass | $81,533 |  | $83,975 |  | $39,254 |  | $14,841 |  | $14,452 |  | $57,717 |  | $291,772 |
Classified | — |  | 1,399 |  | — |  | 522 |  | — |  | 6,507 |  | 8,428 |
Total commercial real estate owner occupied properties | $81,533 |  | $85,374 |  | $39,254 |  | $15,363 |  | $14,452 |  | $64,224 |  | $300,200 |
Non-owner occupied and multifamily properties |  |  |  |  |
Pass | $77,205 |  | $77,961 |  | $61,147 |  | $34,307 |  | $19,833 |  | $154,561 |  | $425,014 |
Classified | — |  | — |  | — |  | 10 |  | 10,286 |  | 1 |  | 10,297 |
Total commercial real estate non-owner occupied and multifamily properties | $77,205 |  | $77,961 |  | $61,147 |  | $34,317 |  | $30,119 |  | $154,562 |  | $435,311 |
Residential real estate: |  |  |  |  |  |  |
1-4 family residential properties secured by first liens |  |  |  |  |
Pass | $7,756 |  | $8,023 |  | $3,689 |  | $531 |  | $1,466 |  | $8,812 |  | $30,277 |
Classified | 417 |  | 1,077 |  | 472 |  | 90 |  | — |  | 209 |  | 2,265 |
Total residential real estate 1-4 family residential properties secured by first liens | $8,173 |  | $9,100 |  | $4,161 |  | $621 |  | $1,466 |  | $9,021 |  | $32,542 |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens |  |
Pass | $5,806 |  | $2,535 |  | $3,229 |  | $3,464 |  | $259 |  | $4,046 |  | $19,339 |
Classified | — |  | — |  | — |  | 259 |  | — |  | 12 |  | 271 |
Total residential real estate 1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | $5,806 |  | $2,535 |  | $3,229 |  | $3,723 |  | $259 |  | $4,058 |  | $19,610 |
1-4 family residential construction loans |  |  |  |  |  |  |
Pass | $21,409 |  | $1,056 |  | $1,707 |  | $62 |  | $— |  | $11,879 |  | $36,113 |
Classified | — |  | — |  | — |  | — |  | 109 |  | — |  | 109 |
Total residential real estate 1-4 family residential construction loans | $21,409 |  | $1,056 |  | $1,707 |  | $62 |  | $109 |  | $11,879 |  | $36,222 |
Other construction, land development and raw land loans |  |  |  |
Pass | $39,624 |  | $26,458 |  | $11,044 |  | $3,315 |  | $139 |  | $5,544 |  | $86,124 |
Classified | — |  | — |  | — |  | 460 |  | — |  | 1,510 |  | 1,970 |
Total other construction, land development and raw land loans | $39,624 |  | $26,458 |  | $11,044 |  | $3,775 |  | $139 |  | $7,054 |  | $88,094 |
Obligations of states and political subdivisions in the US |  |  |  |
Pass | $4,120 |  | $812 |  | $1,875 |  | $343 |  | $2,733 |  | $6,520 |  | $16,403 |
Classified | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total obligations of states and political subdivisions in the US | $4,120 |  | $812 |  | $1,875 |  | $343 |  | $2,733 |  | $6,520 |  | $16,403 |
Agricultural production, including commercial fishing |  |  |  |
Pass | $19,970 |  | $3,929 |  | $810 |  | $1,118 |  | $741 |  | $1,391 |  | $27,959 |
Classified | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total agricultural production, including commercial fishing | $19,970 |  | $3,929 |  | $810 |  | $1,118 |  | $741 |  | $1,391 |  | $27,959 |
Consumer loans |  |  |  |  |  |  |
Pass | $873 |  | $815 |  | $653 |  | $403 |  | $291 |  | $1,766 |  | $4,801 |
Classified | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total consumer loans | $873 |  | $815 |  | $653 |  | $403 |  | $291 |  | $1,766 |  | $4,801 |
Other loans |  |  |  |  |  |  |
Pass | $2,028 |  | $1,645 |  | $430 |  | $95 |  | $— |  | $208 |  | $4,406 |
Classified | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total other loans | $2,028 |  | $1,645 |  | $430 |  | $95 |  | $— |  | $208 |  | $4,406 |
Total loans |  |  |  |  |  |  |
Pass | $487,700 |  | $261,687 |  | $153,684 |  | $95,818 |  | $63,119 |  | $296,998 |  | $1,359,006 |
Classified | 19,270 |  | 3,190 |  | 4,036 |  | 4,459 |  | 10,912 |  | 13,013 |  | 54,880 |
Total loans | $506,970 |  | $264,877 |  | $157,720 |  | $100,277 |  | $74,031 |  | $310,011 |  | $1,413,886 |
Total pass loans | $487,700 |  | $261,687 |  | $153,684 |  | $95,818 |  | $63,119 |  | $296,998 |  | $1,359,006 |
Government guarantees | (145,713) |  | (12,725) |  | (14,429) |  | (3,299) |  | (306) |  | (6,562) |  | (183,034) |
Total pass loans, net of government guarantees | $341,987 |  | $248,962 |  | $139,255 |  | $92,519 |  | $62,813 |  | $290,436 |  | $1,175,972 |
Total classified loans | $19,270 |  | $3,190 |  | $4,036 |  | $4,459 |  | $10,912 |  | $13,013 |  | $54,880 |
Government guarantees | (7,201) |  | (1,259) |  | — |  | — |  | — |  | (10,571) |  | (19,031) |
Total classified loans, net government guarantees | $12,069 |  | $1,931 |  | $4,036 |  | $4,459 |  | $10,912 |  | $2,442 |  | $35,849 |
Aging of Contractually Past Due Loans | The following tables present an aging of contractually past due loans as of the periods presented:
(In Thousands) | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 90 Days Past Due |  | Total Past Due |  | Current |  | Total |  | Greater Than 90 Days Past Due Still Accruing
June 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial loans | $246 |  |  | $132 |  |  | $387 |  |  | $765 |  |  | $394,076 |  |  | $394,841 |  |  | $— |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied properties | 737 |  |  |  |  | 1,076 |  |  | 1,813 |  |  | 311,361 |  |  | 313,174 |  |  | — |
Non-owner occupied and multifamily properties | — |  |  | — |  |  | — |  |  | — |  |  | 446,592 |  |  | 446,592 |  |  | — |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential properties secured by first liens | 65 |  |  | — |  |  | 147 |  |  | 212 |  |  | 37,086 |  |  | 37,298 |  |  | — |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | — |  |  | — |  |  | 133 |  |  | 133 |  |  | 21,820 |  |  | 21,953 |  |  | — |
1-4 family residential construction loans | — |  |  | — |  |  | 109 |  |  | 109 |  |  | 43,806 |  |  | 43,915 |  |  | — |
Other construction, land development and raw land loans | — |  |  | — |  |  | 1,546 |  |  | 1,546 |  |  | 85,617 |  |  | 87,163 |  |  | — |
Obligations of states and political subdivisions in the US | — |  |  | — |  |  | — |  |  | — |  |  | 24,005 |  |  | 24,005 |  |  | — |
Agricultural production, including commercial fishing | — |  |  | — |  |  | — |  |  | — |  |  | 29,482 |  |  | 29,482 |  |  | — |
Consumer loans | — |  |  | — |  |  | — |  |  | — |  |  | 4,092 |  |  | 4,092 |  |  | — |
Other loans | — |  |  | — |  |  | — |  |  | — |  |  | 3,194 |  |  | 3,194 |  |  | — |
Total | $1,048 |  |  | $132 |  |  | $3,398 |  |  | $4,578 |  |  | $1,401,131 |  |  | $1,405,709 |  |  | $— |
December 31, 2021 |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial & industrial loans | $206 |  |  | $51 |  |  | $469 |  |  | $726 |  |  | $447,612 |  |  | $448,338 |  |  | $— |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied properties | 12 |  |  | — |  |  | 1,176 |  |  | 1,188 |  |  | 299,012 |  |  | 300,200 |  |  | — |
Non-owner occupied and multifamily properties | — |  |  | — |  |  | — |  |  | — |  |  | 435,311 |  |  | 435,311 |  |  | — |
Residential real estate: |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family residential properties secured by first liens | — |  |  | — |  |  | 90 |  |  | 90 |  |  | 32,452 |  |  | 32,542 |  |  | — |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | — |  |  | — |  |  | 139 |  |  | 139 |  |  | 19,471 |  |  | 19,610 |  |  | — |
1-4 family residential construction loans | — |  |  | — |  |  | 109 |  |  | 109 |  |  | 36,113 |  |  | 36,222 |  |  | — |
Other construction, land development and raw land loans | — |  |  | — |  |  | 1,636 |  |  | 1,636 |  |  | 86,458 |  |  | 88,094 |  |  | — |
Obligations of states and political subdivisions in the US | — |  |  | — |  |  | — |  |  | — |  |  | 16,403 |  |  | 16,403 |  |  | — |
Agricultural production, including commercial fishing | — |  |  | — |  |  | — |  |  | — |  |  | 27,959 |  |  | 27,959 |  |  | — |
Consumer loans | — |  |  | — |  |  | — |  |  | — |  |  | 4,801 |  |  | 4,801 |  |  | — |
Other loans | — |  |  | — |  |  | — |  |  | — |  |  | 4,406 |  |  | 4,406 |  |  | — |
Total | $218 |  |  | $51 |  |  | $3,619 |  |  | $3,888 |  |  | $1,409,998 |  |  | $1,413,886 |  |  | $— |
Loans on Nonaccrual Status | The following table presents loans on nonaccrual status and loans on nonaccrual status for which there was no related ACL. All loans with no ACL are individually evaluated for credit losses in the Company's Current Expected Credit Losses methodology.
| June 30, 2022 | December 31, 2021
(In Thousands) | Nonaccrual | Nonaccrual With No ACL | Nonaccrual | Nonaccrual With No ACL
Commercial & industrial loans | $3,496 |  | $3,496 |  | $4,350 |  | $4,298 |
Commercial real estate: |  |  |  |
Owner occupied properties | 2,352 |  | 2,348 |  | 3,506 |  | 3,506 |
Residential real estate: |  |  |  |
1-4 family residential properties secured by first liens | 219 |  | 219 |  | 1,778 |  | 1,778 |
1-4 family residential properties secured by junior liens and revolving secured by 1-4 family first liens | 280 |  | 207 |  | 271 |  | 215 |
1-4 family residential construction loans | 109 |  | 109 |  | 109 |  | 109 |
Other construction, land development and raw land loans | 1,545 |  | 1,545 |  | 1,636 |  | 1,636 |
Consumer loans | — |  | — |  | — |  | — |
Total nonaccrual loans | 8,001 |  | 7,924 |  | 11,650 |  | 11,542 |
Government guarantees on nonaccrual loans | (683) |  | (683) |  | (978) |  | (978) |
Net nonaccrual loans | $7,318 |  | $7,241 |  | $10,672 |  | $10,564 |
Non Troubled Debt Restructuring | The Company has made the following types of loan modifications related to COVID-19, which are not classified as TDRs with principal balance outstanding of:
Loan Modifications due to COVID-19 as of June 30, 2022
(Dollars in thousands) | Interest Only | Full Payment Deferral | Total
Portfolio loans | $23,573 |  | $— |  | $23,573 |
Number of modifications | 5 |  | — |  | 5 |
Loan Modifications due to COVID-19 as of December 31, 2021
(Dollars in thousands) | Interest Only | Full Payment Deferral | Total
Portfolio loans | $49,219 |  | $— |  | $49,219 |
Number of modifications | 16 |  | — |  | 16 |
Troubled Debt Restructured Loans | As discussed above, the CARES Act provided banks an option to elect to not account for certain loan modifications related to COVID-19 between March 1, 2020 and December 31, 2021 as TDRs as long as the borrowers were not more than 30 days past due as of December 31, 2019. The disclosed loan restructurings were not related to COVID-19 modifications.
| Accrual Status |  | Nonaccrual Status |  | Total Modifications
(In Thousands) |  |
Existing Troubled Debt Restructurings | $3,008 |  |  | $5,844 |  |  | $8,852 |
Total | $3,008 |  |  | $5,844 |  |  | $8,852 |
The following table presents newly restructured loans that occurred during the six months ended June 30, 2021, by concession (terms modified):
|  |  | June 30, 2021
| Number of Contracts |  | Rate Modification |  | Term Modification |  | Payment Modification |  | Combination Modification |  | Total Modifications
(In Thousands) |  |  |  |  |
Pre-Modification Outstanding Recorded Investment: |  |  |  |  |  |  |  |  |  |  |
Commercial - AQR substandard | 1 |  | $— |  |  | $254 |  |  | $— |  |  | $— |  |  | $254 |
Total | 1 |  | $— |  |  | $254 |  |  | $— |  |  | $— |  |  | $254 |
Post-Modification Outstanding Recorded Investment: |  |  |  |  |  |  |  |  |  |  |
Commercial - AQR substandard | 1 |  | $— |  |  | $251 |  |  | $— |  |  | $— |  |  | $251 |
Total | 1 |  | $— |  |  | $251 |  |  | $— |  |  | $— |  |  | $251 |

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