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Loan and Lease Receivables, Impaired Loans and Leases and Allowance for Loan and Lease Losses
 3 Months Ended
Mar. 31, 2021
Receivables [Abstract]  
Loan and Lease Receivables, Impaired Loans and Leases and Allowance for Loan and Lease Losses Loan and Lease Receivables, Impaired Loans and Leases and Allowance for Loan and Lease Losses
Loan and lease receivables consist of the following:
March 31,
2021		December 31,
2020
 (In Thousands)
Commercial real estate:  
Commercial real estate — owner occupied
$256,812 $253,882 
Commercial real estate — non-owner occupied
592,090 564,532 
Land development
46,544 49,839 
Construction
151,345 141,043 
Multi-family
322,384 311,556 
1-4 family
23,319 38,284 
Total commercial real estate
1,392,494 1,359,136 
Commercial and industrial784,305 732,318 
Direct financing leases19,616 22,331 
Consumer and other:  
Home equity and second mortgages
6,719 7,833 
Other
38,266 28,897 
Total consumer and other
44,985 36,730 
Total gross loans and leases receivable
2,241,400 2,150,515 
Less:  
   Allowance for loan and lease losses28,982 28,521 
   Deferred loan fees6,288 4,545 
Loans and leases receivable, net
$2,206,130 $2,117,449 
As of March 31, 2021 and December 31, 2020, the Corporation had $272.7 million and $228.9 million, respectively, in gross PPP loans outstanding included in the commercial and industrial loan category and deferred processing fees outstanding of $5.1 million and $3.5 million, respectively, included in deferred loan fees. The processing fees are deferred and recognized over the contractual life of the loan, or accelerated at forgiveness, as an adjustment of yield using the interest method. The SBA provides a guaranty to the lender of 100% of principal and interest, unless the lender violated an obligation under the agreement. As loan losses are expected to be immaterial, if any at all, due to the guaranty, management excluded the PPP loans from the allowance for loan and lease losses calculation. Management funded these short-term loans primarily through a combination of excess cash held at the Federal Reserve and from an increase in in-market deposits.
The total amount of the Corporation’s ownership of SBA loans comprised of the following:
March 31,
2021		December 31,
2020
(In Thousands)
SBA 7(a) loans$33,870 $36,266 
SBA 504 loans30,004 26,327 
SBA Express loans and lines of credit910 1,251 
SBA PPP loans272,664 228,870 
Total SBA loans$337,448 $292,714 
As of March 31, 2021 and December 31, 2020, $8.6 million and $9.3 million of SBA loans were considered impaired, respectively.
Loans transferred to third parties consist of the guaranteed portions of SBA loans which the Corporation sold in the secondary market and participation interests in other, non-SBA originated loans. The total principal amount of the guaranteed portions of SBA loans sold during the three months ended March 31, 2021, and 2020, was $10.6 million and $2.7 million, respectively.
Each of the transfers of these financial assets met the qualifications for sale accounting, and therefore all of the loans transferred during the three months ended March 31, 2021, and 2020, have been derecognized in the unaudited Consolidated Financial Statements. The guaranteed portions of SBA loans were transferred at their fair value and the related gain was recognized upon the transfer as non-interest income in the unaudited Consolidated Financial Statements. The total outstanding balance of sold SBA loans at March 31, 2021, and December 31, 2020, was $82.7 million and $79.5 million, respectively.

The total principal amount of transferred participation interests in other, non-SBA originated loans during the three months ended March 31, 2021, and 2020, was $5.2 million and $11.9 million, respectively, all of which were treated as sales and derecognized under the applicable accounting guidance at the time of transfer. No gain or loss was recognized on participation interests in other, non-SBA originated loans as they were transferred at or near the date of loan origination and the payments received for servicing the portion of the loans participated represents adequate compensation. The total outstanding balance of these transferred loans at March 31, 2021, and December 31, 2020, was $151.3 million and $153.6 million, respectively. As of March 31, 2021, and December 31, 2020, the total amount of the Corporation’s partial ownership of these transferred loans on the unaudited Consolidated Balance Sheets was $259.9 million and $276.5 million, respectively. As of March 31, 2021 and December 31, 2020, the non-SBA originated participation portfolio contained an impaired loan totaling $3.0 million with a sold portion of $4.2 million. The Corporation does not share in the participant’s portion of any potential charge-offs. There were no loan participations purchased on the unaudited Consolidated Balance Sheets as of March 31, 2021, and the total of loan participations purchased as of December 31, 2020 was $410,000.

The following tables illustrate ending balances of the Corporation’s loan and lease portfolio, including impaired loans by class of receivable, and considering certain credit quality indicators:
March 31, 2021
 Category 
IIIIIIIVTotal
 (Dollars in Thousands)
Commercial real estate:     
Commercial real estate — owner occupied$204,135 $26,314 $24,194 $2,169 $256,812 
Commercial real estate — non-owner occupied467,823 75,026 46,225 3,016 592,090 
Land development45,022 1,340 182 — 46,544 
Construction111,372 11,988 27,985 — 151,345 
Multi-family280,736 31,623 10,025 — 322,384 
1-4 family20,113 415 2,298 493 23,319 
      Total commercial real estate1,129,201 146,706 110,909 5,678 1,392,494 
Commercial and industrial696,621 25,239 49,670 12,775 784,305 
Direct financing leases, net13,239 678 5,650 49 19,616 
Consumer and other:    
Home equity and second mortgages6,104 — 81 534 6,719 
Other38,087 164 — 15 38,266 
      Total consumer and other44,191 164 81 549 44,985 
Total gross loans and leases receivable$1,883,252 $172,787 $166,310 $19,051 $2,241,400 
Category as a % of total portfolio84.02 %7.71 %7.42 %0.85 %100.00 %
December 31, 2020
 Category 
IIIIIIIVTotal
 (Dollars in Thousands)
Commercial real estate:     
Commercial real estate — owner occupied$185,943 $34,917 $27,593 $5,429 $253,882 
Commercial real estate — non-owner occupied432,053 90,942 37,754 3,783 564,532 
Land development47,777 987 185 890 49,839 
Construction104,083 26,444 10,516 — 141,043 
Multi-family278,145 23,386 10,025 — 311,556 
1-4 family35,053 620 2,315 296 38,284 
      Total commercial real estate1,083,054 177,296 88,388 10,398 1,359,136 
Commercial and industrial623,346 27,201 65,616 16,155 732,318 
Direct financing leases, net15,597 730 5,955 49 22,331 
Consumer and other:     
Home equity and second mortgages7,206 496 91 40 7,833 
Other28,701 175 — 21 28,897 
      Total consumer and other35,907 671 91 61 36,730 
Total gross loans and leases receivable$1,757,904 $205,898 $160,050 $26,663 $2,150,515 
Category as a % of total portfolio81.75 %9.57 %7.44 %1.24 %100.00 %
Each credit is evaluated for proper risk rating upon origination, at the time of each subsequent renewal, upon receipt and evaluation of updated financial information from the Corporation’s borrowers, or as other circumstances dictate. The Corporation primarily uses a nine grade risk rating system to monitor the ongoing credit quality of its loans and leases. The risk rating grades follow a consistent definition and are then applied to specific loan types based on the nature of the loan. Each risk rating is subjective and, depending on the size and nature of the credit, subject to various levels of review and concurrence on the stated risk rating. In addition to its nine grade risk rating system, the Corporation groups loans into four loan and related risk categories which determine the level and nature of review by management.
Category I — Loans and leases in this category are performing in accordance with the terms of the contract and generally exhibit no immediate concerns regarding the security and viability of the underlying collateral, financial stability of the borrower, integrity or strength of the borrowers’ management team, or the industry in which the borrower operates. The Corporation monitors Category I loans and leases through payment performance, continued maintenance of its personal relationships with such borrowers, and continued review of such borrowers’ compliance with the terms of their respective agreements.
Category II — Loans and leases in this category are beginning to show signs of deterioration in one or more of the Corporation’s core underwriting criteria such as financial stability, management strength, industry trends, or collateral values. Management will place credits in this category to allow for proactive monitoring and resolution with the borrower to possibly mitigate the area of concern and prevent further deterioration or risk of loss to the Corporation. Category II loans are considered performing but are monitored frequently by the assigned business development officer and by asset quality review committees.
Category III — Loans and leases in this category are identified by management as warranting special attention. However, the balance in this category is not intended to represent the amount of adversely classified assets held by the Bank. Category III loans and leases generally exhibit undesirable characteristics, such as evidence of adverse financial trends and conditions, managerial problems, deteriorating economic conditions within the related industry, or evidence of adverse public filings and may exhibit collateral shortfall positions. Management continues to believe that it will collect all contractual principal and interest in accordance with the original terms of the contracts relating to the loans and leases in this category, and therefore Category III loans are considered performing with no specific reserves established for this category. Category III loans are monitored by management and asset quality review committees on a monthly basis.
Category IV — Loans and leases in this category are considered to be impaired. Impaired loans and leases, with the exception of performing troubled debt restructurings, have been placed on non-accrual as management has determined that it is unlikely that the Bank will receive the contractual principal and interest in accordance with the original terms of the agreement. Impaired
loans are individually evaluated to assess the need for the establishment of specific reserves or charge-offs. When analyzing the adequacy of collateral, the Corporation obtains external appraisals at least annually for impaired loans and leases. External appraisals are obtained from the Corporation’s approved appraiser listing and are independently reviewed to monitor the quality of such appraisals. To the extent a collateral shortfall position is present, a specific reserve or charge-off will be recorded to reflect the magnitude of the impairment. Loans and leases in this category are monitored by management and asset quality review committees on a monthly basis.
The delinquency aging of the loan and lease portfolio by class of receivable was as follows:
March 31, 2021
30-59
Days Past Due		60-89
Days Past Due		Greater
Than 90 Days Past Due		Total Past DueCurrentTotal Loans and Leases
 (Dollars in Thousands)
Accruing loans and leases      
Commercial real estate:      
Owner occupied$— $— $— $— $254,643 $254,643 
Non-owner occupied— — — — 589,074 589,074 
Land development— — — — 46,544 46,544 
Construction— — — — 151,345 151,345 
Multi-family— — — — 322,384 322,384 
1-4 family— — — — 22,826 22,826 
Commercial and industrial1,349 570 — 1,919 769,670 771,589 
Direct financing leases, net— — — — 19,567 19,567 
Consumer and other:     
Home equity and second mortgages— — — — 6,185 6,185 
Other— — — — 38,251 38,251 
Total1,349 570 — 1,919 2,220,489 2,222,408 
Non-accruing loans and leases      
Commercial real estate:      
Owner occupied— — 272 272 1,897 2,169 
Non-owner occupied— — — — 3,016 3,016 
Land development— — — — — — 
Construction— — — — — — 
Multi-family— — — — — — 
1-4 family— — 247 247 246 493 
Commercial and industrial3,991 366 5,911 10,268 2,448 12,716 
Direct financing leases, net— — — — 49 49 
Consumer and other:      
Home equity and second mortgages— 496 — 496 38 534 
Other— — 15 15 — 15 
Total3,991 862 6,445 11,298 7,694 18,992 
Total loans and leases      
Commercial real estate:      
Owner occupied— — 272 272 256,540 256,812 
Non-owner occupied— — — — 592,090 592,090 
Land development— — — — 46,544 46,544 
Construction— — — — 151,345 151,345 
Multi-family— — — — 322,384 322,384 
1-4 family— — 247 247 23,072 23,319 
Commercial and industrial5,340 936 5,911 12,187 772,118 784,305 
Direct financing leases, net— — — — 19,616 19,616 
Consumer and other:     
Home equity and second mortgages— 496 — 496 6,223 6,719 
Other— — 15 15 38,251 38,266 
Total$5,340 $1,432 $6,445 $13,217 $2,228,183 $2,241,400 
Percent of portfolio0.24 %0.06 %0.29 %0.59 %99.41 %100.00 %
December 31, 2020
30-59
Days Past Due		60-89
Days Past Due		Greater
Than 90 Days Past Due		Total Past DueCurrentTotal Loans and Leases
 (Dollars in Thousands)
Accruing loans and leases      
Commercial real estate:      
Owner occupied$— $— $— $— $248,453 $248,453 
Non-owner occupied— — — — 560,749 560,749 
Land development7,784 — — 7,784 41,165 48,949 
Construction— — — — 141,043 141,043 
Multi-family— — — — 311,556 311,556 
1-4 family— 46 — 46 37,988 38,034 
Commercial and industrial663 111 — 774 715,389 716,163 
Direct financing leases, net— — — — 22,282 22,282 
Consumer and other:      
Home equity and second mortgages— — — — 7,793 7,793 
Other— — — — 28,876 28,876 
Total8,447 157 — 8,604 2,115,294 2,123,898 
Non-accruing loans and leases      
Commercial real estate:      
Owner occupied— — 272 272 5,157 5,429 
Non-owner occupied— — 3,783 3,783 — 3,783 
Land development890 — — 890 — 890 
Construction— — — — — — 
Multi-family— — — — — — 
1-4 family— — — — 250 250 
Commercial and industrial103 342 7,557 8,002 8,153 16,155 
Direct financing leases, net— — — — 49 49 
Consumer and other:      
Home equity and second mortgages— — — — 40 40 
Other— — 21 21 — 21 
Total993 342 11,633 12,968 13,649 26,617 
Total loans and leases      
Commercial real estate:      
Owner occupied— — 272 272 253,610 253,882 
Non-owner occupied— — 3,783 3,783 560,749 564,532 
Land development8,674 — — 8,674 41,165 49,839 
Construction— — — — 141,043 141,043 
Multi-family— — — — 311,556 311,556 
1-4 family— 46 — 46 38,238 38,284 
Commercial and industrial766 453 7,557 8,776 723,542 732,318 
Direct financing leases, net— — — — 22,331 22,331 
Consumer and other:      
Home equity and second mortgages— — — — 7,833 7,833 
Other— — 21 21 28,876 28,897 
Total$9,440 $499 $11,633 $21,572 $2,128,943 $2,150,515 
Percent of portfolio0.44 %0.02 %0.54 %1.00 %99.00 %100.00 %
The Corporation’s total impaired assets consisted of the following:
March 31,
2021		December 31,
2020
 (In Thousands)
Non-accrual loans and leases  
Commercial real estate:  
Commercial real estate — owner occupied$2,169 $5,429 
Commercial real estate — non-owner occupied3,016 3,783 
Land development— 890 
Construction— — 
Multi-family— — 
1-4 family493 250 
Total non-accrual commercial real estate5,678 10,352 
Commercial and industrial12,716 16,155 
Direct financing leases, net49 49 
Consumer and other:  
Home equity and second mortgages534 40 
Other15 21 
Total non-accrual consumer and other loans549 61 
Total non-accrual loans and leases18,992 26,617 
Foreclosed properties, net31 34 
Total non-performing assets19,023 26,651 
Performing troubled debt restructurings59 46 
Total impaired assets$19,082 $26,697 
March 31,
2021		December 31,
2020
Total non-accrual loans and leases to gross loans and leases0.85 %1.24 %
Total non-performing assets to total gross loans and leases plus foreclosed properties, net0.85 1.24 
Total non-performing assets to total assets0.73 1.04 
Allowance for loan and lease losses to gross loans and leases1.29 1.33 
Allowance for loan and lease losses to non-accrual loans and leases152.60 107.15 
As of March 31, 2021, and December 31, 2020, $4.8 million and $6.5 million of the non-accrual loans and leases were considered troubled debt restructurings, respectively. The Corporation has allocated $765,000 and $760,000 of specific reserves to troubled debt restructurings as of March 31, 2021 and December 31, 2020, respectively. There were no unfunded commitments associated with troubled debt restructured loans and leases as of March 31, 2021.
All loans and leases modified as a troubled debt restructuring are measured for impairment. The nature and extent of the impairment of restructured loans, including those which have experienced a default, is considered in the determination of an appropriate level of the allowance for loan and lease losses.

The following table provides the number of loans modified in a troubled debt restructuring and the pre- and post-modification recorded investment by class of receivable:
For the Three Months Ended March 31,
2020
Number of LoansPre-Modification
Recorded
Investment		Post-Modification
Recorded
Investment
 (Dollars in Thousands)
Commercial real estate:   
Commercial real estate — owner occupied
2$299 $299 
Commercial and industrial41,426 1,413 
Total6$1,725 $1,712 

During the three months ended March 31, 2021, no loans were modified to a troubled debt restructuring.

Restructured loan modifications may include payment schedule modifications, interest rate concessions, maturity date extensions, principal reduction, or some combination of these concessions. During the three months ended March 31, 2020, the modification of terms primarily consisted of payment schedule modifications or principal reductions.

There were no loans modified in troubled debt restructurings during the previous 12 months which subsequently defaulted during the three months ended March 31, 2021. There was one commercial and industrial loan for $2.1 million and two owner-occupied commercial real estate loans for $3.6 million modified in a troubled debt restructuring during the previous 12 months which subsequently defaulted during the three months ended March 31, 2020.
The following represents additional information regarding the Corporation’s impaired loans and leases, including performing troubled debt restructurings, by class:
As of and for the Three Months Ended March 31, 2021
Recorded
Investment(1)
Unpaid
Principal
Balance		Impairment
Reserve
Average
Recorded
Investment(2)
Foregone
Interest
Income		Interest
Income
Recognized		Net
Foregone
Interest
Income
 (In Thousands)
With no impairment reserve recorded:
       
Commercial real estate:       
Owner occupied$1,139 $1,166 $— $3,227 $75 $— $75 
Non-owner occupied3,016 5,795 — 3,221 133 15 118 
Land development
— — — 30 — — — 
Construction
— — — — — — — 
Multi-family— — — — — — — 
1-4 family493 252 — 291 43 3 40 
Commercial and industrial5,232 6,392 — 8,136 133 43 90 
Direct financing leases, net— — — — — — — 
Consumer and other:       
Home equity and second mortgages
496 496 — 6 6 — 6 
Other15 682 — 18 9 — 9 
Total10,391 14,783 — 14,929 399 61 338 
With impairment reserve recorded:       
Commercial real estate:       
Owner occupied1,030 1,030 485 1,044 60 — 60 
Non-owner occupied— — — — — — — 
Land development
— — — — — — — 
Construction— — — — — — — 
Multi-family— — — — — — — 
1-4 family— — — — — — — 
Commercial and industrial7,543 8,680 2,947 6,030 141 7 134 
Direct financing leases, net49 49 49 49 1 — 1 
Consumer and other:       
Home equity and second mortgages
38 38 6 39 2 — 2 
Other— — — — — — — 
Total8,660 9,797 3,487 7,162 204 7 197 
Total:       
Commercial real estate:       
Owner occupied2,169 2,196 485 4,271 135 — 135 
Non-owner occupied3,016 5,795 — 3,221 133 15 118 
Land development
— — — 30 — — — 
Construction— — — — — — — 
Multi-family— — — — — — — 
1-4 family493 252 — 291 43 3 40 
Commercial and industrial12,775 15,072 2,947 14,166 274 50 224 
Direct financing leases, net49 49 49 49 1 — 1 
Consumer and other:       
Home equity and second mortgages534 534 6 45 8 — 8 
Other15 682 — 18 9 — 9 
Grand total$19,051 $24,580 $3,487 $22,091 $603 $68 $535 
(1)The recorded investment represents the unpaid principal balance net of any partial charge-offs.
(2)Average recorded investment is calculated primarily using daily average balances.
As of and for the Year Ended December 31, 2020
Recorded
Investment(1)
Unpaid
Principal
Balance		Impairment
Reserve
Average
Recorded
Investment(2)
Foregone
Interest
Income		Interest
Income
Recognized		Net
Foregone
Interest
Income
 (In Thousands)
With no impairment reserve recorded:
       
Commercial real estate:       
   Owner occupied$4,338 $4,365 $— $4,565 $291 $72 $219 
   Non-owner occupied3,783 6,563 — 1,519 486 — 486 
   Land development890 5,187 — 1,192 14 — 14 
   Construction— — — — — — — 
   Multi-family— — — — — — — 
   1-4 family46 51 — 307 31 141 (110)
Commercial and industrial9,888 12,337 — 13,951 1,219 423 796 
Direct financing leases, net— — — 89 — — — 
Consumer and other:       
   Home equity and second mortgages
— — — 1 — — — 
   Other21 688 — 85 41 — 41 
      Total18,966 29,191 — 21,709 2,082 636 1,446 
With impairment reserve recorded:       
Commercial real estate:       
   Owner occupied1,091 4,792 471 2,349 384 — 384 
   Non-owner occupied— — — — — — — 
   Land development— — — — — — — 
   Construction— — — — — — — 
   Multi-family— — — — — — — 
   1-4 family250 250 29 21 — — — 
Commercial and industrial6,267 6,972 3,125 3,585 324 — 324 
Direct financing leases, net49 49 49 39 3 — 3 
Consumer and other:       
   Home equity and second mortgages
40 40 7 — 1 — 1 
   Other— — — — — — — 
      Total7,697 12,103 3,681 5,994 712 — 712 
Total:       
Commercial real estate:       
   Owner occupied5,429 9,157 471 6,914 675 72 603 
   Non-owner occupied3,783 6,563 — 1,519 486 — 486 
   Land development890 5,187 — 1,192 14 — 14 
   Construction— — — — — — — 
   Multi-family— — — — — — — 
   1-4 family296 301 29 328 31 141 (110)
Commercial and industrial16,155 19,309 3,125 17,536 1,543 423 1,120 
Direct financing leases, net49 49 49 128 3 — 3 
Consumer and other:      
Home equity and second mortgages
40 40 7 1 1 — 1 
Other21 688 — 85 41 — 41 
      Grand total$26,663 $41,294 $3,681 $27,703 $2,794 $636 $2,158 
(1)The recorded investment represents the unpaid principal balance net of any partial charge-offs.
(2)Average recorded investment is calculated primarily using daily average balances.
The difference between the recorded investment of loans and leases and the unpaid principal balance of $5.5 million and $14.6 million as of March 31, 2021, and December 31, 2020, respectively, represents partial charge-offs of loans and leases resulting from losses due to the valuation of the collateral securing the loans and leases being below the carrying values of the loans and leases. Impaired loans and leases also included $59,000 and $46,000 of loans as of March 31, 2021, and December 31, 2020, respectively, that were performing troubled debt restructurings, and although not on non-accrual, were reported as impaired due to the concession in terms. When a loan is placed on non-accrual, interest accrual is discontinued and previously accrued but uncollected interest is deducted from interest income. Cash payments collected on non-accrual loans are first applied to such loan’s principal. Foregone interest represents the interest that was contractually due on the loan but not received or recorded. To the extent the amount of principal on a non-accrual loan is fully collected and additional cash is received, the Corporation will recognize interest income.
To determine the level and composition of the allowance for loan and lease losses, the Corporation categorizes the portfolio into segments with similar risk characteristics. First, the Corporation evaluates loans and leases for potential impairment classification. The Corporation analyzes each loan and lease determined to be impaired on an individual basis to determine a specific reserve based upon the estimated value of the underlying collateral for collateral-dependent loans, or alternatively, the present value of expected cash flows. The Corporation applies historical trends from established risk factors to each category of loans and leases that has not been individually evaluated for the purpose of establishing the general portion of the allowance.
A summary of the activity in the allowance for loan and lease losses by portfolio segment is as follows:
 As of and for the Three Months Ended March 31, 2021
Commercial
Real Estate		Commercial
and
Industrial		Consumer
and Other		Total
 (In Thousands)
Beginning balance$17,157 $10,593 $771 $28,521 
Charge-offs— (144)— (144)
Recoveries2,219 453 1 2,673 
Net recoveries2,219 309 1 2,529 
Provision for loan and lease losses(931)(1,358)221 (2,068)
Ending balance$18,445 $9,544 $993 $28,982 
 As of and for the Three Months Ended March 31, 2020
Commercial
Real Estate		Commercial
and
Industrial		Consumer
and Other		Total
 (In Thousands)
Beginning balance$10,852 $8,078 $590 $19,520 
Charge-offs— (125)(6)(131)
Recoveries1 176 — 177 
Net recoveries (charge-offs)1 51 (6)46 
Provision for loan and lease losses1,744 1,193 245 3,182 
Ending balance$12,597 $9,322 $829 $22,748 
The following tables provide information regarding the allowance for loan and lease losses and balances by type of allowance methodology.
 As of March 31, 2021
Commercial
Real Estate		Commercial
and
Industrial		Consumer
and Other		Total
 (In Thousands)
Allowance for loan and lease losses:    
Collectively evaluated for impairment$17,960 $6,548 $987 $25,495 
Individually evaluated for impairment485 2,996 6 3,487 
Total$18,445 $9,544 $993 $28,982 
Loans and lease receivables:    
Collectively evaluated for impairment$1,386,816 $791,097 $44,436 $2,222,349 
Individually evaluated for impairment5,678 12,824 549 19,051 
Total$1,392,494 $803,921 $44,985 $2,241,400 
 As of December 31, 2020
Commercial
Real Estate		Commercial
and
Industrial		Consumer
and Other		Total
 (In Thousands)
Allowance for loan and lease losses:    
Collectively evaluated for impairment$16,657 $7,419 $764 $24,840 
Individually evaluated for impairment500 3,174 7 3,681 
Total$17,157 $10,593 $771 $28,521 
Loans and lease receivables:    
Collectively evaluated for impairment$1,348,738 $738,445 $36,669 $2,123,852 
Individually evaluated for impairment10,398 16,204 61 26,663 
Total$1,359,136 $754,649 $36,730 $2,150,515