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LOANS AND ALLOWANCE FOR LOAN LOSSES | 12 Months Ended
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Dec. 31, 2019
Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract] |
LOANS AND ALLOWANCE FOR LOAN LOSSES | LOANS AND ALLOWANCE FOR LOAN LOSSES The Corporation grants commercial, residential, and consumer loans to customers primarily within southcentral Pennsylvania and northern Maryland and the surrounding area. A large portion of the loan portfolio is secured by real estate. Although the Bank has a diversified loan portfolio, its debtors’ ability to honor their contracts is influenced by the region’s economy. The following tables present the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Corporation’s internal risk rating system as of December 31, 2019 and 2018:
In thousands | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
December 31, 2019 |  |  |  |  |  |  |  |  |
Originated Loans |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 132,791 |  |  | $ | 12,249 |  |  | $ | 716 |  |  | $ | — |  |  | $ | 145,756 |
Commercial real estate | 414,077 |  |  | 28,264 |  |  | 9,595 |  |  | — |  |  | 451,936 |
Commercial real estate construction | 22,905 |  |  | 1,272 |  |  | — |  |  | — |  |  | 24,177 |
Residential mortgage | 364,814 |  |  | 6,279 |  |  | 251 |  |  | — |  |  | 371,344 |
Home equity lines of credit | 92,372 |  |  | 627 |  |  | 83 |  |  | — |  |  | 93,082 |
Consumer | 13,331 |  |  | — |  |  | — |  |  | — |  |  | 13,331 |
Total Originated Loans | 1,040,290 |  |  | 48,691 |  |  | 10,645 |  |  | — |  |  | 1,099,626 |
Acquired Loans |  |  |  |  |  |  |  |  |
Commercial and industrial | 3,007 |  |  | 374 |  |  | 178 |  |  | — |  |  | 3,559 |
Commercial real estate | 100,199 |  |  | 11,537 |  |  | 3,376 |  |  | — |  |  | 115,112 |
Commercial real estate construction | 1,542 |  |  | 697 |  |  | — |  |  | — |  |  | 2,239 |
Residential mortgage | 33,349 |  |  | 2,089 |  |  | 1,555 |  |  | — |  |  | 36,993 |
Home equity lines of credit | 14,603 |  |  | 45 |  |  | 317 |  |  | — |  |  | 14,965 |
Consumer | 107 |  |  | — |  |  | — |  |  | — |  |  | 107 |
Total Acquired Loans | 152,807 |  |  | 14,742 |  |  | 5,426 |  |  | — |  |  | 172,975 |
Total Loans |  |  |  |  |  |  |  |  |
Commercial and industrial | 135,798 |  |  | 12,623 |  |  | 894 |  |  | — |  |  | 149,315 |
Commercial real estate | 514,276 |  |  | 39,801 |  |  | 12,971 |  |  | — |  |  | 567,048 |
Commercial real estate construction | 24,447 |  |  | 1,969 |  |  | — |  |  | — |  |  | 26,416 |
Residential mortgage | 398,163 |  |  | 8,368 |  |  | 1,806 |  |  | — |  |  | 408,337 |
Home equity lines of credit | 106,975 |  |  | 672 |  |  | 400 |  |  | — |  |  | 108,047 |
Consumer | 13,438 |  |  | — |  |  | — |  |  | — |  |  | 13,438 |
Total Loans | $ | 1,193,097 |  |  | $ | 63,433 |  |  | $ | 16,071 |  |  | $ | — |  |  | $ | 1,272,601 |
In thousands | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
December 31, 2018 |  |  |  |  |  |  |  |  |
Originated Loans |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 166,035 |  |  | $ | 2,902 |  |  | $ | 161 |  |  | $ | — |  |  | $ | 169,098 |
Commercial real estate | 393,987 |  |  | 18,079 |  |  | 7,899 |  |  | — |  |  | 419,965 |
Commercial real estate construction | 15,471 |  |  | 835 |  |  | — |  |  | — |  |  | 16,306 |
Residential mortgage | 381,525 |  |  | 6,492 |  |  | 733 |  |  | — |  |  | 388,750 |
Home equity lines of credit | 90,941 |  |  | 334 |  |  | — |  |  | — |  |  | 91,275 |
Consumer | 14,174 |  |  | — |  |  | — |  |  | — |  |  | 14,174 |
Total Originated Loans | 1,062,133 |  |  | 28,642 |  |  | 8,793 |  |  | — |  |  | 1,099,568 |
Acquired Loans |  |  |  |  |  |  |  |  |
Commercial and industrial | 4,803 |  |  | 134 |  |  | 147 |  |  | — |  |  | 5,084 |
Commercial real estate | 120,321 |  |  | 5,112 |  |  | 3,525 |  |  | — |  |  | 128,958 |
Commercial real estate construction | 3,276 |  |  | 716 |  |  | — |  |  | — |  |  | 3,992 |
Residential mortgage | 41,193 |  |  | 1,896 |  |  | 2,460 |  |  | — |  |  | 45,549 |
Home equity lines of credit | 18,614 |  |  | 88 |  |  | 386 |  |  | — |  |  | 19,088 |
Consumer | 226 |  |  | — |  |  | — |  |  | — |  |  | 226 |
Total Acquired Loans | 188,433 |  |  | 7,946 |  |  | 6,518 |  |  | — |  |  | 202,897 |
Total Loans |  |  |  |  |  |  |  |  |
Commercial and industrial | 170,838 |  |  | 3,036 |  |  | 308 |  |  | $ | — |  |  | 174,182 |
Commercial real estate | 514,308 |  |  | 23,191 |  |  | 11,424 |  |  | — |  |  | 548,923 |
Commercial real estate construction | 18,747 |  |  | 1,551 |  |  | — |  |  | — |  |  | 20,298 |
Residential mortgage | 422,718 |  |  | 8,388 |  |  | 3,193 |  |  | — |  |  | 434,299 |
Home equity lines of credit | 109,555 |  |  | 422 |  |  | 386 |  |  | — |  |  | 110,363 |
Consumer | 14,400 |  |  | — |  |  | — |  |  | — |  |  | 14,400 |
Total Loans | $ | 1,250,566 |  |  | $ | 36,588 |  |  | $ | 15,311 |  |  | $ | — |  |  | $ | 1,302,465 |
The following table provides changes in accretable yield for all acquired loans accounted for under ASC 310-30. Loans accounted for under ASC 310-20 are not included in this table.
In thousands |  | Year Ended December 31, 2019 |  | Year Ended December 31, 2018
Balance at beginning of period |  | $ | 891 |  |  | $ | 1,234 |
Acquisitions of impaired loans |  | — |  |  | — |
Reclassification from non-accretable differences |  | 492 |  |  | 402 |
Accretion to loan interest income |  | (741 | ) |  | (745 | )
Balance at end of period |  | $ | 642 |  |  | $ | 891 |
Cash flows expected to be collected on acquired loans are estimated quarterly by incorporating several key assumptions similar to the initial estimate of fair value. These key assumptions include probability of default and the amount of actual prepayments after the acquisition date. Prepayments affect the estimated life of the loans and could change the amount of interest income, and possibly principal expected to be collected. In reforecasting future estimated cash flows, credit loss expectations are adjusted as necessary. Improved cash flow expectations for loans or pools are recorded first as a reversal of previously recorded impairment, if any, and then as an increase in prospective yield when all previously recorded impairment has been recaptured. Decreases in expected cash flows are recognized as impairment through a charge to the provision for loan losses and credit to the allowance for loan losses. The following table summarizes information relative to impaired loans by loan portfolio class as of December 31, 2019 and 2018:
| Impaired Loans with Allowance |  | Impaired Loans with No Allowance
In thousands | Recorded Investment |  | Unpaid Principal Balance |  | Related Allowance |  | Recorded Investment |  | Unpaid Principal Balance
December 31, 2019 |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 65 |  |  | $ | 65 |  |  | $ | 42 |  |  | $ | — |  |  | $ | — |
Commercial real estate | — |  |  | — |  |  | — |  |  | 7,383 |  |  | 7,383 |
Commercial real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential mortgage | — |  |  | — |  |  | — |  |  | 171 |  |  | 171 |
Home equity lines of credit | — |  |  | — |  |  | — |  |  | 83 |  |  | 83 |
Total | $ | 65 |  |  | $ | 65 |  |  | $ | 42 |  |  | $ | 7,637 |  |  | $ | 7,637 |
December 31, 2018 |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate | — |  |  | — |  |  | — |  |  | 6,763 |  |  | 6,763 |
Commercial real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | — |
Residential mortgage | — |  |  | — |  |  | — |  |  | 537 |  |  | 537 |
Home equity lines of credit | — |  |  | — |  |  | — |  |  | — |  |  | — |
Total | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,300 |  |  | $ | 7,300 |
The following table summarizes information in regards to average of impaired loans and related interest income by loan portfolio class:
| Impaired Loans with Allowance |  | Impaired Loans with No Allowance
In thousands | Average Recorded Investment |  | Interest Income |  | Average Recorded Investment |  | Interest Income
December 31, 2019 |  |  |  |  |  |  |
Commercial and industrial | $ | 27 |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Commercial real estate | — |  |  | — |  |  | 6,625 |  |  | 612 |
Commercial real estate construction | — |  |  | — |  |  | — |  |  | — |
Residential mortgage | — |  |  | — |  |  | 422 |  |  | 8 |
Home equity lines of credit | — |  |  | — |  |  | 35 |  |  | — |
Total | $ | 27 |  |  | $ | — |  |  | $ | 7,082 |  |  | $ | 620 |
December 31, 2018 |  |  |  |  |  |  |
Commercial and industrial | $ | 436 |  |  | $ | — |  |  | $ | 73 |  |  | $ | 44 |
Commercial real estate | — |  |  | — |  |  | 7,372 |  |  | 216 |
Commercial real estate construction | — |  |  | — |  |  | — |  |  | — |
Residential mortgage | 75 |  |  | — |  |  | 275 |  |  | — |
Home equity lines of credit | 30 |  |  | — |  |  | — |  |  | — |
Total | $ | 541 |  |  | $ | — |  |  | $ | 7,720 |  |  | $ | 260 |
No additional funds are committed to be advanced in connection with impaired loans. If interest on all nonaccrual loans had been accrued at original contract rates, interest income would have increased by $249,000 in 2019 and $269,000 in 2018. The following table presents nonaccrual loans by loan portfolio class as of December 31, 2019 and 2018, the table below excludes $6.9 million in purchase credit impaired loans, net of unamortized fair value adjustments:
In thousands | 2019 |  | 2018
Commercial and industrial | $ | 65 |  |  | $ | — |
Commercial real estate | 3,600 |  |  | 2,880 |
Commercial real estate construction | — |  |  | — |
Residential mortgage | 171 |  |  | 537 |
Home equity lines of credit | 83 |  |  | — |
Total | $ | 3,919 |  |  | $ | 3,417 |
There were no loans whose terms have been modified resulting in a troubled debt restructuring during the years ended December 31, 2019 and 2018. The Corporation classifies certain loans as troubled debt restructurings when credit terms to a borrower in financial difficulty are modified. The modifications may include a reduction in rate, an extension in term and/or the restructuring of scheduled principal payments. The Corporation had pre-existing nonaccruing and accruing troubled debt restructurings of $3,974,000 and $6,226,000 at December 31, 2019 and 2018, respectively. All of the Corporation’s troubled debt restructured loans are also impaired loans, of which some have resulted in a specific allocation and, subsequently, a charge-off as appropriate. Included in the non-accrual loan total at December 31, 2019 and 2018, were $191,000 and $2,343,000, respectively, of troubled debt restructurings. In addition to the troubled debt restructurings included in non-accrual loans, the Corporation also has loans classified as accruing troubled debt restructurings at December 31, 2019 and 2018, which total $3,783,000 and $3,883,000, respectively. There were no defaulted troubled debt restructured loans as of December 31, 2019 and 2018. There were no charge-offs on any of the troubled debt restructured loans for the years ended December 31, 2019 and 2018. There were no specific allocations on any troubled debt restructured loans for the years ended December 31, 2019 and 2018. One troubled debt restructured loan paid off during 2019 in the amount of $2,198,000 and one troubled debt restructured loan paid off during 2018 in the amount of $832,000. All other troubled debt restructured loans were current as of December 31, 2019, with respect to their associated forbearance agreement, except for one loan which has had periodic late payments. As of December 31, 2019, there are no active forbearance agreements. All forbearance agreements have expired or the loans have paid off. Consumer mortgage loans secured by residential real estate properties for which formal foreclosure proceedings are in process at December 31, 2019 and 2018, totaled $822,000 and $661,000, respectively. The performance and credit quality of the loan portfolio is also monitored by analyzing the age of the loans receivable as determined by the length of time a recorded payment is past due. The following table presents the classes of the loan portfolio summarized by the past due status as of December 31, 2019 and 2018:
In thousands | 30-59 Days Past Due |  | 60-89 Days Past Due |  | >90 Days Past Due |  | Total Past Due |  | Current |  | Total Loans Receivable |  | Loans Receivable >90 Days and Accruing
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 16 |  |  | $ | — |  |  | $ | 4 |  |  | $ | 20 |  |  | $ | 145,736 |  |  | $ | 145,756 |  |  | $ | 4 |
Commercial real estate | 325 |  |  | 2,247 |  |  | 1,286 |  |  | 3,858 |  |  | 448,078 |  |  | 451,936 |  |  | — |
Commercial real estate construction | 78 |  |  | — |  |  | — |  |  | 78 |  |  | 24,099 |  |  | 24,177 |  |  | — |
Residential mortgage | 1,625 |  |  | 949 |  |  | 1,232 |  |  | 3,806 |  |  | 367,538 |  |  | 371,344 |  |  | 1,061 |
Home equity lines of credit | 141 |  |  | 77 |  |  | — |  |  | 218 |  |  | 92,864 |  |  | 93,082 |  |  | — |
Consumer | 38 |  |  | 8 |  |  | 19 |  |  | 65 |  |  | 13,266 |  |  | 13,331 |  |  | 19 |
Total originated loans | 2,223 |  |  | 3,281 |  |  | 2,541 |  |  | 8,045 |  |  | 1,091,581 |  |  | 1,099,626 |  |  | 1,084 |
Acquired Loans |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | — |  |  | 23 |  |  | — |  |  | 23 |  |  | 3,536 |  |  | 3,559 |  |  | — |
Commercial real estate | 1,063 |  |  | — |  |  | — |  |  | 1,063 |  |  | 114,049 |  |  | 115,112 |  |  | — |
Commercial real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | 2,239 |  |  | 2,239 |  |  | — |
Residential mortgage | 293 |  |  | 257 |  |  | 120 |  |  | 670 |  |  | 36,323 |  |  | 36,993 |  |  | 120 |
Home equity lines of credit | 236 |  |  | 93 |  |  | 15 |  |  | 344 |  |  | 14,621 |  |  | 14,965 |  |  | 15 |
Consumer | — |  |  | — |  |  | — |  |  | — |  |  | 107 |  |  | 107 |  |  | — |
Total acquired loans | 1,592 |  |  | 373 |  |  | 135 |  |  | 2,100 |  |  | 170,875 |  |  | 172,975 |  |  | 135 |
Total Loans |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 16 |  |  | 23 |  |  | 4 |  |  | 43 |  |  | 149,272 |  |  | 149,315 |  |  | 4 |
Commercial real estate | 1,388 |  |  | 2,247 |  |  | 1,286 |  |  | 4,921 |  |  | 562,127 |  |  | 567,048 |  |  | — |
Commercial real estate construction | 78 |  |  | — |  |  | — |  |  | 78 |  |  | 26,338 |  |  | 26,416 |  |  | — |
Residential mortgage | 1,918 |  |  | 1,206 |  |  | 1,352 |  |  | 4,476 |  |  | 403,861 |  |  | 408,337 |  |  | 1,181 |
Home equity lines of credit | 377 |  |  | 170 |  |  | 15 |  |  | 562 |  |  | 107,485 |  |  | 108,047 |  |  | 15 |
Consumer | 38 |  |  | 8 |  |  | 19 |  |  | 65 |  |  | 13,373 |  |  | 13,438 |  |  | 19 |
Total Loans | $ | 3,815 |  |  | $ | 3,654 |  |  | $ | 2,676 |  |  | $ | 10,145 |  |  | $ | 1,262,456 |  |  | $ | 1,272,601 |  |  | $ | 1,219 |
In thousands | 30-59 Days Past Due |  | 60-89 Days Past Due |  | >90 Days Past Due |  | Total Past Due |  | Current |  | Total Loans Receivable |  | Loans Receivable >90 Days and Accruing
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |
Originated Loans |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | $ | 49 |  |  | $ | 49 |  |  | $ | 4 |  |  | $ | 102 |  |  | $ | 168,996 |  |  | $ | 169,098 |  |  | $ | 4 |
Commercial real estate | 775 |  |  | 550 |  |  | 114 |  |  | 1,439 |  |  | 418,526 |  |  | 419,965 |  |  | — |
Commercial real estate construction | — |  |  | — |  |  | — |  |  | — |  |  | 16,306 |  |  | 16,306 |  |  | — |
Residential mortgage | 1,783 |  |  | 529 |  |  | 2,361 |  |  | 4,673 |  |  | 384,077 |  |  | 388,750 |  |  | 1,824 |
Home equity lines of credit | 16 |  |  | 38 |  |  | 375 |  |  | 429 |  |  | 90,846 |  |  | 91,275 |  |  | 375 |
Consumer | 36 |  |  | 14 |  |  | — |  |  | 50 |  |  | 14,124 |  |  | 14,174 |  |  | — |
Total originated loans | 2,659 |  |  | 1,180 |  |  | 2,854 |  |  | 6,693 |  |  | 1,092,875 |  |  | 1,099,568 |  |  | 2,203 |
Acquired Loans |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 27 |  |  | — |  |  | — |  |  | 27 |  |  | 5,057 |  |  | 5,084 |  |  | — |
Commercial real estate | 64 |  |  | — |  |  | 851 |  |  | 915 |  |  | 128,043 |  |  | 128,958 |  |  | 851 |
Commercial real estate construction | 343 |  |  | — |  |  | 77 |  |  | 420 |  |  | 3,572 |  |  | 3,992 |  |  | 77 |
Residential mortgage | 1,235 |  |  | 251 |  |  | 907 |  |  | 2,393 |  |  | 43,156 |  |  | 45,549 |  |  | 125 |
Home equity lines of credit | 227 |  |  | — |  |  | 89 |  |  | 316 |  |  | 18,772 |  |  | 19,088 |  |  | 89 |
Consumer | — |  |  | 7 |  |  | — |  |  | 7 |  |  | 219 |  |  | 226 |  |  | — |
Total acquired loans | 1,896 |  |  | 258 |  |  | 1,924 |  |  | 4,078 |  |  | 198,819 |  |  | 202,897 |  |  | 1,142 |
Total Loans |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial | 76 |  |  | 49 |  |  | 4 |  |  | 129 |  |  | 174,053 |  |  | 174,182 |  |  | 4 |
Commercial real estate | 839 |  |  | 550 |  |  | 965 |  |  | 2,354 |  |  | 546,569 |  |  | 548,923 |  |  | 851 |
Commercial real estate construction | 343 |  |  | — |  |  | 77 |  |  | 420 |  |  | 19,878 |  |  | 20,298 |  |  | 77 |
Residential mortgage | 3,018 |  |  | 780 |  |  | 3,268 |  |  | 7,066 |  |  | 427,233 |  |  | 434,299 |  |  | 1,949 |
Home equity lines of credit | 243 |  |  | 38 |  |  | 464 |  |  | 745 |  |  | 109,618 |  |  | 110,363 |  |  | 464 |
Consumer | 36 |  |  | 21 |  |  | — |  |  | 57 |  |  | 14,343 |  |  | 14,400 |  |  | — |
Total Loans | $ | 4,555 |  |  | $ | 1,438 |  |  | $ | 4,778 |  |  | $ | 10,771 |  |  | $ | 1,291,694 |  |  | $ | 1,302,465 |  |  | $ | 3,345 |
The following table summarizes the allowance for loan losses and recorded investment in loans:
In thousands | Commercial and Industrial |  | Commercial Real Estate |  | Commercial Real Estate Construction |  | Residential Mortgage |  | Home Equity Lines of Credit |  | Consumer |  | Unallocated |  | Total
December 31, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance- January 1, 2019 | $ | 2,597 |  |  | $ | 6,208 |  |  | $ | 203 |  |  | $ | 2,814 |  |  | $ | 611 |  |  | $ | 692 |  |  | $ | 839 |  |  | $ | 13,964 |
Charge-offs | (163 | ) |  | (78 | ) |  | — |  |  | (173 | ) |  | (301 | ) |  | (202 | ) |  | — |  |  | (917 | )
Recoveries | 66 |  |  | 10 |  |  | — |  |  | 37 |  |  | 12 |  |  | 63 |  |  | — |  |  | 188 |
Provisions | (100 | ) |  | 553 |  |  | 95 |  |  | (123 | ) |  | 297 |  |  | 97 |  |  | (219 | ) |  | 600 |
Ending balance- December 31, 2019 | $ | 2,400 |  |  | $ | 6,693 |  |  | $ | 298 |  |  | $ | 2,555 |  |  | $ | 619 |  |  | $ | 650 |  |  | $ | 620 |  |  | $ | 13,835 |
Ending balance: individually evaluated for impairment | $ | 42 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 42 |
Ending balance: collectively evaluated for impairment | $ | 2,358 |  |  | $ | 6,693 |  |  | $ | 298 |  |  | $ | 2,555 |  |  | $ | 619 |  |  | $ | 650 |  |  | $ | 620 |  |  | $ | 13,793 |
Loans receivables |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 149,315 |  |  | $ | 567,048 |  |  | $ | 26,416 |  |  | $ | 408,337 |  |  | $ | 108,047 |  |  | $ | 13,438 |  |  | $ | — |  |  | $ | 1,272,601 |
Ending balance: individually evaluated for impairment | $ | 65 |  |  | $ | 7,383 |  |  | $ | — |  |  | $ | 171 |  |  | $ | 83 |  |  | $ | — |  |  | $ | — |  |  | $ | 7,702 |
Ending balance: collectively evaluated for impairment | $ | 149,250 |  |  | $ | 559,665 |  |  | $ | 26,416 |  |  | $ | 408,166 |  |  | $ | 107,964 |  |  | $ | 13,438 |  |  | $ | — |  |  | $ | 1,264,899 |
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance- January 1, 2018 | $ | 3,219 |  |  | $ | 5,228 |  |  | $ | 126 |  |  | $ | 3,226 |  |  | $ | 612 |  |  | $ | 749 |  |  | $ | 816 |  |  | $ | 13,976 |
Charge-offs | (934 | ) |  | (33 | ) |  | — |  |  | (530 | ) |  | (148 | ) |  | (165 | ) |  | — |  |  | (1,810 | )
Recoveries | 36 |  |  | — |  |  | 103 |  |  | 32 |  |  | — |  |  | 7 |  |  | — |  |  | 178 |
Provisions | 276 |  |  | 1,013 |  |  | (26 | ) |  | 86 |  |  | 147 |  |  | 101 |  |  | 23 |  |  | 1,620 |
Ending balance- December 31, 2018 | $ | 2,597 |  |  | $ | 6,208 |  |  | $ | 203 |  |  | $ | 2,814 |  |  | $ | 611 |  |  | $ | 692 |  |  | $ | 839 |  |  | $ | 13,964 |
Ending balance: individually evaluated for impairment | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Ending balance: collectively evaluated for impairment | $ | 2,597 |  |  | $ | 6,208 |  |  | $ | 203 |  |  | $ | 2,814 |  |  | $ | 611 |  |  | $ | 692 |  |  | $ | 839 |  |  | $ | 13,964 |
Loans receivables |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending balance | $ | 174,182 |  |  | $ | 548,923 |  |  | $ | 20,298 |  |  | $ | 434,299 |  |  | $ | 110,363 |  |  | $ | 14,400 |  |  | $ | — |  |  | $ | 1,302,465 |
Ending balance: individually evaluated for impairment | $ | — |  |  | $ | 6,763 |  |  | $ | — |  |  | $ | 537 |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 7,300 |
Ending balance: collectively evaluated for impairment | $ | 174,182 |  |  | $ | 542,160 |  |  | $ | 20,298 |  |  | $ | 433,762 |  |  | $ | 110,363 |  |  | $ | 14,400 |  |  | $ | — |  |  | $ | 1,295,165 |
The Bank has granted loans to certain of its executive officers, directors and their related interests. These loans were made on substantially the same basis, including interest rates and collateral as those prevailing for comparable transactions with other borrowers at the same time. The aggregate amount of these loans was $5,016,000 and $5,858,000 at December 31, 2019 and 2018, respectively. During 2019, no new loans or advances were extended and repayments totaled $843,000. None of these loans were past due, in nonaccrual status, or restructured at December 31, 2019.

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- Definition The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -URI http://asc.fasb.org/subtopic&trid=2196772 + Details
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