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Loans and Allowance for Credit Losses (Tables) | 6 Months Ended
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Jun. 30, 2020
Receivables [Abstract] |
Outstanding loans | Outstanding loans are summarized as follows:
Loan Type (Dollars in thousands) |  | June 30, 2020 |  | % of Total Loans |  | December 31, 2019 |  | % of Total Loans
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 303,775 |  |  | 27.0 | % |  | $ | 102,541 |  |  | 10.9 | %
Agricultural production |  | 26,419 |  |  | 2.3 | % |  | 23,159 |  |  | 2.6 | %
Total commercial |  | 330,194 |  |  | 29.3 | % |  | 125,700 |  |  | 13.5 | %
Real estate: |  |  |  |  |  |  |  |
Owner occupied |  | 199,337 |  |  | 17.5 | % |  | 197,946 |  |  | 21.0 | %
Real estate construction and other land loans |  | 83,490 |  |  | 7.4 | % |  | 73,718 |  |  | 7.8 | %
Commercial real estate |  | 313,625 |  |  | 27.9 | % |  | 329,333 |  |  | 34.9 | %
Agricultural real estate |  | 72,994 |  |  | 6.4 | % |  | 76,304 |  |  | 8.1 | %
Other real estate |  | 32,649 |  |  | 2.9 | % |  | 31,241 |  |  | 3.3 | %
Total real estate |  | 702,095 |  |  | 62.1 | % |  | 708,542 |  |  | 75.1 | %
Consumer: |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 58,431 |  |  | 5.1 | % |  | 64,841 |  |  | 6.9 | %
Consumer and installment |  | 39,631 |  |  | 3.5 | % |  | 42,782 |  |  | 4.5 | %
Total consumer |  | 98,062 |  |  | 8.6 | % |  | 107,623 |  |  | 11.4 | %
Net deferred origination (fees) costs |  | (4,460) |  |  |  |  | 1,515 |  |  |
Total gross loans |  | 1,125,891 |  |  | 100.0 | % |  | 943,380 |  |  | 100.0 | %
Allowance for credit losses |  | (13,937) |  |  |  |  | (9,130) |  |  |
Total loans |  | $ | 1,111,954 |  |  |  |  | $ | 934,250 |  |  |
Impaired loans | The following tables present by class, information related to the average recorded investment and interest income recognized on impaired loans for the three months ended June 30, 2020 and 2019 (in thousands).
|  | Three Months Ended June 30, 2020 |  |  |  | Three Months Ended June 30, 2019 |  |
|  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
With no related allowance recorded: |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 7 |  |  | $ | — |  |  | $ | 223 |  |  | $ | — |
Agricultural production |  | 212 |  |  | — |  |  | — |  |  | — |
Total commercial |  | 219 |  |  | — |  |  | 223 |  |  | — |
Real estate: |  |  |  |  |  |  |  |
Owner occupied |  | 401 |  |  | — |  |  | 209 |  |  | — |
Real estate construction and other land loans |  | — |  |  | — |  |  | 1,058 |  |  | 16 |
Commercial real estate |  | 848 |  |  | — |  |  | 1,417 |  |  | 12 |
Agricultural real estate |  | 199 |  |  | — |  |  | — |  |  | — |
Total real estate |  | 1,448 |  |  | — |  |  | 2,684 |  |  | 28 |
Consumer: |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 232 |  |  | 3 |  |  | 739 |  |  | 1 |
Total with no related allowance recorded |  | 1,899 |  |  | 3 |  |  | 3,646 |  |  | 29 |
With an allowance recorded: |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | 11,516 |  |  | 171 |  |  | 70 |  |  | — |
Agricultural production |  | 619 |  |  | 12 |  |  | — |  |  | — |
Total commercial |  | 12,135 |  |  | 183 |  |  | 70 |  |  | — |
Real estate: |  |  |  |  |  |  |  |
Real estate construction and other land loans |  | 95 |  |  | — |  |  | — |  |  | — |
Commercial real estate |  | 331 |  |  | 2 |  |  | 428 |  |  | 3 |
Agricultural real estate |  | 28 |  |  | 1 |  |  | 44 |  |  | 1 |
Total real estate |  | 454 |  |  | 3 |  |  | 472 |  |  | 4 |
Consumer: |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 957 |  |  | 14 |  |  | 1,099 |  |  | 14 |
Consumer and installment |  | 38 |  |  | — |  |  | 17 |  |  | — |
Total consumer |  | 995 |  |  | 14 |  |  | 1,116 |  |  | 14 |
Total with an allowance recorded |  | 13,584 |  |  | 200 |  |  | 1,658 |  |  | 18 |
Total |  | $ | 15,483 |  |  | $ | 203 |  |  | $ | 5,304 |  |  | $ | 47 |
The following tables present by class, information related to the average recorded investment and interest income recognized on impaired loans for the six months ended June 30, 2020 and 2019 (in thousands).
|  | Six Months Ended June 30, 2020 |  |  |  | Six Months Ended June 30, 2019 |  |
|  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
With no related allowance recorded: |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 71 |  |  | $ | — |  |  | $ | 236 |  |  | $ | — |
Agricultural production |  | 121 |  |  | — |  |  | — |  |  | — |
Total commercial |  | 192 |  |  | — |  |  | 236 |  |  | — |
Real estate: |  |  |  |  |  |  |  |
Owner occupied |  | 407 |  |  | — |  |  | 211 |  |  | — |
Real estate construction and other land loans |  | — |  |  | — |  |  | 1,715 |  |  | 32 |
Commercial real estate |  | 959 |  |  | — |  |  | 1,313 |  |  | 25 |
Agricultural real estate |  | 228 |  |  | — |  |  | — |  |  | — |
Total real estate |  | 1,594 |  |  | — |  |  | 3,239 |  |  | 57 |
Consumer: |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 264 |  |  | 6 |  |  | 527 |  |  | 2 |
Consumer and installment |  | — |  |  | — |  |  | — |  |  | — |
Total consumer |  | 264 |  |  | 6 |  |  | 527 |  |  | 2 |
Total with no related allowance recorded |  | 2,050 |  |  | 6 |  |  | 4,002 |  |  | 59 |
With an allowance recorded: |  |  |  |  |  |  |  |
Commercial: |  |  |  |  |  |  |  |
Commercial and industrial |  | 6,589 |  |  | 344 |  |  | 77 |  |  | 1 |
Agricultural production |  | 354 |  |  | 24 |  |  | — |  |  | — |
Total commercial |  | 6,943 |  |  | 368 |  |  | 77 |  |  | 1 |
Real estate: |  |  |  |  |  |  |  |
Real estate construction and other land loans |  | 54 |  |  | — |  |  | — |  |  | — |
Commercial real estate |  | 254 |  |  | 5 |  |  | 472 |  |  | 6 |
Agricultural real estate |  | 26 |  |  | 1 |  |  | 44 |  |  | 1 |
Other real estate |  | — |  |  | — |  |  | — |  |  | — |
Total real estate |  | 334 |  |  | 6 |  |  | 516 |  |  | 7 |
Consumer: |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 1,052 |  |  | 28 |  |  | 1,102 |  |  | 28 |
Consumer and installment |  | 24 |  |  | — |  |  | 9 |  |  | — |
Total consumer |  | 1,076 |  |  | 28 |  |  | 1,111 |  |  | 28 |
Total with an allowance recorded |  | 8,353 |  |  | 402 |  |  | 1,704 |  |  | 36 |
Total |  | $ | 10,403 |  |  | $ | 408 |  |  | $ | 5,706 |  |  | $ | 95 |
Foregone interest on nonaccrual loans totaled $74,000 and $85,000 for the six month period ended June 30, 2020 and 2019, respectively. Foregone interest on nonaccrual loans totaled $55,000 and $53,000 for the three month periods ended June 30, 2020 and 2019, respectively.
Allowance for credit losses | The following table shows the summary of activities for the Allowance as of and for the three months ended June 30, 2020 and 2019 by portfolio segment (in thousands):
|  | Commercial |  | Real Estate |  | Consumer |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |
Beginning balance, April 1, 2020 |  | $ | 1,657 |  |  | $ | 7,555 |  |  | $ | 1,236 |  |  | $ | 98 |  |  | $ | 10,546 |
Provision charged to operations |  | 7 |  |  | 2,834 |  |  | 76 |  |  | 83 |  |  | 3,000 |
Losses charged to allowance |  | — |  |  | — |  |  | (80) |  |  | — |  |  | (80) |
Recoveries |  | 423 |  |  | — |  |  | 48 |  |  | — |  |  | 471 |
Ending balance, June 30, 2020 |  | $ | 2,087 |  |  | $ | 10,389 |  |  | $ | 1,280 |  |  | $ | 181 |  |  | $ | 13,937 |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |
Beginning balance, April 1, 2019 |  | $ | 1,450 |  |  | $ | 6,709 |  |  | $ | 895 |  |  | $ | 64 |  |  | $ | 9,118 |
(Reversal) provision charged to operations |  | 372 |  |  | (156) |  |  | 7 |  |  | 77 |  |  | 300 |
Losses charged to allowance |  | (50) |  |  | — |  |  | (6) |  |  | — |  |  | (56) |
Recoveries |  | 28 |  |  | — |  |  | 15 |  |  | — |  |  | 43 |
Ending balance, June 30, 2019 |  | $ | 1,800 |  |  | $ | 6,553 |  |  | $ | 911 |  |  | $ | 141 |  |  | $ | 9,405 |
The following table shows the summary of activities for the Allowance as of and for the six month ended June 30, 2020 and 2019 by portfolio segment (in thousands):
|  | Commercial |  | Real Estate |  | Consumer |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2020 |  | $ | 1,428 |  |  | $ | 6,769 |  |  | $ | 897 |  |  | $ | 36 |  |  | $ | 9,130 |
Provision charged to operations |  | 233 |  |  | 3,620 |  |  | 377 |  |  | 145 |  |  | 4,375 |
Losses charged to allowance |  | (29) |  |  | — |  |  | (94) |  |  | — |  |  | (123) |
Recoveries |  | 455 |  |  | — |  |  | 100 |  |  | — |  |  | 555 |
Ending balance, June 30, 2020 |  | $ | 2,087 |  |  | $ | 10,389 |  |  | $ | 1,280 |  |  | $ | 181 |  |  | $ | 13,937 |
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |
Beginning balance, January 1, 2019 |  | $ | 1,671 |  |  | $ | 6,539 |  |  | $ | 826 |  |  | $ | 68 |  |  | $ | 9,104 |
(Reversal) provision charged to operations |  | 120 |  |  | 14 |  |  | 68 |  |  | 73 |  |  | 275 |
Losses charged to allowance |  | (50) |  |  | — |  |  | (15) |  |  | — |  |  | (65) |
Recoveries |  | 59 |  |  | — |  |  | 32 |  |  | — |  |  | 91 |
Ending balance, June 30, 2019 |  | $ | 1,800 |  |  | $ | 6,553 |  |  | $ | 911 |  |  | $ | 141 |  |  | $ | 9,405 |
The following is a summary of the Allowance by impairment methodology and portfolio segment as of June 30, 2020 and December 31, 2019 (in thousands):
|  | Commercial |  | Real Estate |  | Consumer |  | Unallocated |  | Total
Allowance for credit losses: |  |  |  |  |  |  |  |  |  |
Ending balance, June 30, 2020 |  | $ | 2,087 |  |  | $ | 10,389 |  |  | $ | 1,280 |  |  | $ | 181 |  |  | $ | 13,937 |
Ending balance: individually evaluated for impairment |  | $ | 255 |  |  | $ | 25 |  |  | $ | 14 |  |  | $ | — |  |  | $ | 294 |
Ending balance: collectively evaluated for impairment |  | $ | 1,832 |  |  | $ | 10,364 |  |  | $ | 1,266 |  |  | $ | 181 |  |  | $ | 13,643 |
Ending balance, December 31, 2019 |  | $ | 1,428 |  |  | $ | 6,769 |  |  | $ | 897 |  |  | $ | 36 |  |  | $ | 9,130 |
Ending balance: individually evaluated for impairment |  | $ | 2 |  |  | $ | 3 |  |  | $ | 35 |  |  | $ | — |  |  | $ | 40 |
Ending balance: collectively evaluated for impairment |  | $ | 1,426 |  |  | $ | 6,766 |  |  | $ | 862 |  |  | $ | 36 |  |  | $ | 9,090 |
Schedule of receivable by impairment methodology |
|  | Commercial |  | Real Estate |  | Consumer |  | Total
Loans: |  |  |  |  |  |  |  |
Ending balance, June 30, 2020 |  | $ | 330,194 |  |  | $ | 702,095 |  |  | $ | 98,062 |  |  | $ | 1,130,351 |
Ending balance: individually evaluated for impairment |  | $ | 11,231 |  |  | $ | 1,819 |  |  | $ | 1,137 |  |  | $ | 14,187 |
Ending balance: collectively evaluated for impairment |  | $ | 318,963 |  |  | $ | 700,276 |  |  | $ | 96,925 |  |  | $ | 1,116,164 |
Loans: |  |  |  |  |  |  |  |
Ending balance, December 31, 2019 |  | $ | 125,700 |  |  | $ | 708,542 |  |  | $ | 107,623 |  |  | $ | 941,865 |
Ending balance: individually evaluated for impairment |  | $ | 187 |  |  | $ | 2,036 |  |  | $ | 1,511 |  |  | $ | 3,734 |
Ending balance: collectively evaluated for impairment |  | $ | 125,513 |  |  | $ | 706,506 |  |  | $ | 106,112 |  |  | $ | 938,131 |
Loan portfolio by internal risk rating | The following table shows the loan portfolio by class allocated by management’s internal risk ratings at June 30, 2020 (in thousands):
|  | Pass |  | Special Mention |  | Sub-Standard |  | Doubtful |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 278,630 |  |  | $ | 12,837 |  |  | $ | 12,308 |  |  | $ | — |  |  | $ | 303,775 |
Agricultural production |  | 19,953 |  |  | — |  |  | 6,466 |  |  | — |  |  | 26,419 |
Real Estate: |  |  |  |  |  |  |  |  |  |
Owner occupied |  | 185,323 |  |  | 8,432 |  |  | 5,582 |  |  | — |  |  | 199,337 |
Real estate construction and other land loans |  | 77,820 |  |  | 1,990 |  |  | 3,680 |  |  | — |  |  | 83,490 |
Commercial real estate |  | 300,565 |  |  | 10,725 |  |  | 2,335 |  |  | — |  |  | 313,625 |
Agricultural real estate |  | 64,567 |  |  | 1,350 |  |  | 7,077 |  |  | — |  |  | 72,994 |
Other real estate |  | 32,488 |  |  | 161 |  |  | — |  |  | — |  |  | 32,649 |
Consumer: |  |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 56,967 |  |  | 240 |  |  | 1,224 |  |  | — |  |  | 58,431 |
Consumer and installment |  | 39,631 |  |  | — |  |  | — |  |  | — |  |  | 39,631 |
Total |  | $ | 1,055,944 |  |  | $ | 35,735 |  |  | $ | 38,672 |  |  | $ | — |  |  | $ | 1,130,351 |
The following table shows the loan portfolio by class allocated by management’s internally assigned risk grade ratings at December 31, 2019 (in thousands):
|  | Pass |  | Special Mention |  | Sub-Standard |  | Doubtful |  | Total
Commercial: |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 86,705 |  |  | $ | 2,635 |  |  | $ | 13,201 |  |  | $ | — |  |  | $ | 102,541 |
Agricultural production |  | 18,814 |  |  | — |  |  | 4,345 |  |  | — |  |  | 23,159 |
Real Estate: |  |  |  |  |  |  |  |  |  |
Owner occupied |  | 186,370 |  |  | 6,881 |  |  | 4,695 |  |  | — |  |  | 197,946 |
Real estate construction and other land loans |  | 72,142 |  |  | — |  |  | 1,576 |  |  | — |  |  | 73,718 |
Commercial real estate |  | 310,982 |  |  | 17,202 |  |  | 1,149 |  |  | — |  |  | 329,333 |
Agricultural real estate |  | 68,032 |  |  | 946 |  |  | 7,326 |  |  | — |  |  | 76,304 |
Other real estate |  | 31,241 |  |  | — |  |  | — |  |  | — |  |  | 31,241 |
Consumer: |  |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 62,776 |  |  | 519 |  |  | 1,546 |  |  | — |  |  | 64,841 |
Consumer and installment |  | 42,782 |  |  | — |  |  | — |  |  | — |  |  | 42,782 |
Total |  | $ | 879,844 |  |  | $ | 28,183 |  |  | $ | 33,838 |  |  | $ | — |  |  | $ | 941,865 |
Loan portfolio by time past due | The following table shows an aging analysis of the loan portfolio by class and the time past due at June 30, 2020 (in thousands):
|  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 90 Days Past Due |  | Total Past Due |  | Current |  | Total Loans |  | Recorded Investment > 90 Days Accruing |  | Non-accrual
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 148 |  |  | $ | — |  |  | $ | — |  |  | $ | 148 |  |  | $ | 303,627 |  |  | $ | 303,775 |  |  | $ | — |  |  | $ | 732 |
Agricultural production |  | — |  |  | — |  |  | — |  |  | — |  |  | 26,419 |  |  | 26,419 |  |  | — |  |  | — |
Real estate: |  | — |  |  |  |  |  |  |  |  | — |  |  |  |  |  |  |
Owner occupied |  | — |  |  | — |  |  | — |  |  | — |  |  | 199,337 |  |  | 199,337 |  |  | — |  |  | 391 |
Real estate construction and other land loans |  | — |  |  | — |  |  | 190 |  |  | 190 |  |  | 83,300 |  |  | 83,490 |  |  | — |  |  | 190 |
Commercial real estate |  | 514 |  |  | — |  |  | — |  |  | 514 |  |  | 313,111 |  |  | 313,625 |  |  | — |  |  | 869 |
Agricultural real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 72,994 |  |  | 72,994 |  |  | — |  |  | 182 |
Other real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 32,649 |  |  | 32,649 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  | — |  |  |  |  |  |  |
Equity loans and lines of credit |  | — |  |  | — |  |  | — |  |  | — |  |  | 58,431 |  |  | 58,431 |  |  | — |  |  | 42 |
Consumer and installment |  | 1 |  |  | — |  |  | — |  |  | 1 |  |  | 39,630 |  |  | 39,631 |  |  | — |  |  | — |
Total |  | $ | 663 |  |  | $ | — |  |  | $ | 190 |  |  | $ | 853 |  |  | $ | 1,129,498 |  |  | $ | 1,130,351 |  |  | $ | — |  |  | $ | 2,406 |
The following table shows an aging analysis of the loan portfolio by class and the time past due at December 31, 2019 (in thousands):
|  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | Greater Than 90 Days Past Due |  | Total Past Due |  | Current |  | Total Loans |  | Recorded Investment > 90 Days Accruing |  | Non- accrual
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 17 |  |  | $ | — |  |  | $ | — |  |  | $ | 17 |  |  | $ | 102,524 |  |  | $ | 102,541 |  |  | $ | — |  |  | $ | 187 |
Agricultural production |  | — |  |  | — |  |  | — |  |  | — |  |  | 23,159 |  |  | 23,159 |  |  | — |  |  | — |
Real estate: |  | — |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  | — |  |  | 218 |  |  | — |  |  | 218 |  |  | 197,728 |  |  | 197,946 |  |  | — |  |  | 416 |
Real estate construction and other land loans |  | — |  |  | — |  |  | — |  |  | — |  |  | 73,718 |  |  | 73,718 |  |  | — |  |  | — |
Commercial real estate |  | — |  |  | 381 |  |  | — |  |  | 381 |  |  | 328,952 |  |  | 329,333 |  |  | — |  |  | 381 |
Agricultural real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 76,304 |  |  | 76,304 |  |  | — |  |  | 321 |
Other real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 31,241 |  |  | 31,241 |  |  | — |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | — |  |  | — |  |  | — |  |  | — |  |  | 64,841 |  |  | 64,841 |  |  | — |  |  | 388 |
Consumer and installment |  | 168 |  |  | — |  |  | — |  |  | 168 |  |  | 42,614 |  |  | 42,782 |  |  | — |  |  | — |
Total |  | $ | 185 |  |  | $ | 599 |  |  | $ | — |  |  | $ | 784 |  |  | $ | 941,081 |  |  | $ | 941,865 |  |  | $ | — |  |  | $ | 1,693 |
Troubled debt restructurings | The following table presents loans by class modified as troubled debt restructurings that occurred during the six months ended June 30, 2020 (in thousands):
Troubled Debt Restructurings: |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment (1) |  | Principal Modification (2) |  | Post Modification Outstanding Recorded Investment (3) |  | Outstanding Recorded Investment
Commercial: |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 1 |  |  | $ | 12,925 |  |  | $ | — |  |  | $ | 12,925 |  |  | $ | 9,725 |
Agricultural production |  | 1 |  |  | 850 |  |  | — |  |  | 850 |  |  | 775 |
Total |  | 2 |  |  | $ | 13,775 |  |  | $ | — |  |  | $ | 13,775 |  |  | $ | 10,500 |
(1)Amounts represent the recorded investment in loans before recognizing effects of the Troubled Debt Restructurings, if any. (2)Principal modification includes principal forgiveness at the time of modification, contingent principal forgiveness granted over the life of the loan based on borrower performance, and principal that has been legally separated and deferred to the end of the loan, with zero percent contractual interest rate. (3)Balance outstanding after principal modification, if any borrower reduction to recorded investment. The following table presents loans by class modified as troubled debt restructurings that occurred during the six months ended June 30, 2019 (in thousands):
Troubled Debt Restructurings: |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment (1) |  | Principal Modification (2) |  | Post Modification Outstanding Recorded Investment (3) |  | Outstanding Recorded Investment
Consumer: |  |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 2 |  |  | $ | 132 |  |  | $ | — |  |  | $ | 132 |  |  | $ | 128 |
Total |  | 2 |  |  | $ | 132 |  |  | $ | — |  |  | $ | 132 |  |  | $ | 128 |
During the quarter ended June 30, 2020 no loans were modified as troubled debt restructuring.
Troubled Debt Restructuring |  |  |  |  |  |  |  |  |  |
The following table presents loans by class modified as troubled debt restructurings that occurred during the three months ended June 30, 2019 (in thousands):
Troubled Debt Restructuring |  | Number of Loans |  | Pre-Modification Outstanding Recorded Investment (1) |  | Principal Modification (2) |  | Post Modification Outstanding Recorded Investment (3) |  | Outstanding Recorded Investment
Consumer: |  |  |  |  |  |  |  |  |  |
Equity loans and lines of credit |  | 1 |  |  | $ | 119 |  |  | $ | — |  |  | $ | 119 |  |  | $ | 115 |
Total |  | 1 |  |  | $ | 119 |  |  | $ | — |  |  | $ | 119 |  |  | $ | 115 |

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