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Loans and Allowance for Credit Losses on Loans - (Tables) | 9 Months Ended
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Sep. 30, 2021
Receivables [Abstract] |
Schedule of Loans by Class | The following table presents the amortized cost of loans by class as of September 30, 2021 and December 31, 2020.
(in thousands) | September 30, 2021 | December 31, 2020
Commercial and industrial | $ | 377,965 |  | $ | 498,408 |
Real estate: |  |
Commercial owner-occupied | 398,543 |  | 304,963 |
Commercial investor-owned | 1,157,344 |  | 961,208 |
Construction | 125,060 |  | 73,046 |
Home equity | 92,396 |  | 104,813 |
Other residential | 117,778 |  | 123,395 |
Installment and other consumer loans | 47,933 |  | 22,723 |
Total loans, at amortized cost 1 | 2,317,019 |  | 2,088,556 |
Allowance for credit losses on loans | (22,414) |  | (22,874) |
Total loans, net | $ | 2,294,605 |  | $ | 2,065,682 |
1 Amortized cost includes net deferred loan origination fees of $(2.9) million and $(4.9) million at September 30, 2021 and December 31, 2020, respectively. Amounts are also net of unrecognized purchase discounts of $2,834 thousand and $815 thousand at September 30, 2021 and December 31, 2020, respectively. Amortized cost excludes accrued interest, which totaled $7.7 million and $8.8 million at September 30, 2021 and December 31, 2020, respectively, and is included in interest receivable and other assets in the consolidated statements of condition.
Financing Receivable Credit Quality Indicators | The following tables present the loan portfolio by loan class, origination year and internal risk rating as of September 30, 2021 and December 31, 2020. Generally, existing term loans that were re-underwritten are reflected in the table in the year of renewal. Lines of credit that have a conversion feature at the time of origination, such as construction to perm loans, are presented by year of origination.
(in thousands) | Term Loans - Amortized Cost by Origination Year | Revolving Loans Amortized Cost |
September 30, 2021 | 2021 | 2020 | 2019 | 2018 | 2017 | Prior | Total
Commercial and industrial: |  |  |  |  |  |  |  |
Pass | $ | 130,037 |  | $ | 54,621 |  | $ | 28,941 |  | $ | 18,245 |  | $ | 3,044 |  | $ | 33,707 |  | $ | 101,044 |  | $ | 369,639 |
Special Mention | — |  | 1,787 |  | 613 |  | 346 |  | — |  | 2 |  | 4,037 |  | 6,785 |
Substandard | — |  | — |  | — |  | — |  | — |  | — |  | 1,541 |  | 1,541 |
Total commercial and industrial | $ | 130,037 |  | $ | 56,408 |  | $ | 29,554 |  | $ | 18,591 |  | $ | 3,044 |  | $ | 33,709 |  | $ | 106,622 |  | $ | 377,965 |
Commercial real estate, owner-occupied: |  |  |  |  |  |  |  |
Pass | $ | 40,399 |  | $ | 43,782 |  | $ | 50,976 |  | $ | 53,139 |  | $ | 42,410 |  | $ | 109,020 |  | $ | — |  | $ | 339,726 |
Special Mention | — |  | — |  | — |  | 7,889 |  | 16,418 |  | 20,110 |  | — |  | 44,417 |
Substandard | — |  | 7,155 |  | 289 |  | — |  | — |  | 6,838 |  | — |  | 14,282 |
Doubtful | — |  | 118 |  | — |  | — |  | — |  | — |  | — |  | 118 |
Total commercial real estate, owner-occupied | $ | 40,399 |  | $ | 51,055 |  | $ | 51,265 |  | $ | 61,028 |  | $ | 58,828 |  | $ | 135,968 |  | $ | — |  | $ | 398,543 |
Commercial real estate, investor-owned: |  |  |  |  |  |  |  |
Pass | $ | 153,943 |  | $ | 188,064 |  | $ | 188,508 |  | $ | 135,653 |  | $ | 83,895 |  | $ | 352,715 |  | $ | 90 |  | $ | 1,102,868 |
Special Mention | — |  | 1,210 |  | 2,715 |  | 19,345 |  | 1,796 |  | 27,167 |  | — |  | 52,233 |
Substandard | — |  | — |  | — |  | 709 |  | — |  | 1,534 |  | — |  | 2,243 |
Total commercial real estate, investor-owned | $ | 153,943 |  | $ | 189,274 |  | $ | 191,223 |  | $ | 155,707 |  | $ | 85,691 |  | $ | 381,416 |  | $ | 90 |  | $ | 1,157,344 |
Construction: |  |  |  |  |  |  |  |
Pass | $ | 26,902 |  | $ | 63,355 |  | $ | 25,696 |  | $ | 9,107 |  | $ | — |  | $ | — |  | $ | — |  | $ | 125,060 |
Total construction | $ | 26,902 |  | $ | 63,355 |  | $ | 25,696 |  | $ | 9,107 |  | $ | — |  | $ | — |  | $ | — |  | $ | 125,060 |
Home equity: |  |  |  |  |  |  |  |
Pass | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 259 |  | $ | 91,333 |  | $ | 91,592 |
Substandard | — |  | — |  | — |  | — |  | — |  | 384 |  | 420 |  | 804 |
Total home equity | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 643 |  | $ | 91,753 |  | $ | 92,396 |
Other residential: |  |  |  |  |  |  |  |
Pass | $ | 14,229 |  | $ | 32,700 |  | $ | 26,347 |  | $ | 17,476 |  | $ | 8,374 |  | $ | 18,652 |  | $ | — |  | $ | 117,778 |
Total other residential | $ | 14,229 |  | $ | 32,700 |  | $ | 26,347 |  | $ | 17,476 |  | $ | 8,374 |  | $ | 18,652 |  | $ | — |  | $ | 117,778 |
Installment and other consumer: |  |  |  |  |  |  |  |
Pass | $ | 12,311 |  | $ | 8,514 |  | $ | 11,620 |  | $ | 5,777 |  | $ | 1,129 |  | $ | 6,833 |  | $ | 1,749 |  | $ | 47,933 |
Total installment and other consumer | $ | 12,311 |  | $ | 8,514 |  | $ | 11,620 |  | $ | 5,777 |  | $ | 1,129 |  | $ | 6,833 |  | $ | 1,749 |  | $ | 47,933 |
Total loans: |  |  |  |  |  |  |  |
Pass | $ | 377,821 |  | $ | 391,036 |  | $ | 332,088 |  | $ | 239,397 |  | $ | 138,852 |  | $ | 521,186 |  | $ | 194,216 |  | $ | 2,194,596 |
Total Special Mention | $ | — |  | $ | 2,997 |  | $ | 3,328 |  | $ | 27,580 |  | $ | 18,214 |  | $ | 47,279 |  | $ | 4,037 |  | $ | 103,435 |
Total Substandard | $ | — |  | $ | 7,155 |  | $ | 289 |  | $ | 709 |  | $ | — |  | $ | 8,756 |  | $ | 1,961 |  | $ | 18,870 |
Total Doubtful | $ | — |  | $ | 118 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 118 |
Totals | $ | 377,821 |  | $ | 401,306 |  | $ | 335,705 |  | $ | 267,686 |  | $ | 157,066 |  | $ | 577,221 |  | $ | 200,214 |  | $ | 2,317,019 |
(in thousands) | Term Loans - Amortized Cost by Origination Year | Revolving Loans Amortized Cost |
December 31, 2020 | 2020 | 2019 | 2018 | 2017 | 2016 | Prior | Total
Commercial and industrial: |  |  |  |  |  |  |  |
Pass | $ | 308,237 |  | $ | 22,589 |  | $ | 12,596 |  | $ | 4,508 |  | $ | 5,915 |  | $ | 34,282 |  | $ | 85,889 |  | $ | 474,016 |
Special Mention | — |  | 2,034 |  | 1,318 |  | 141 |  | 11 |  | 49 |  | 19,092 |  | 22,645 |
Substandard | 1,747 |  | — |  | — |  | — |  | — |  | — |  | — |  | 1,747 |
Total commercial and industrial | $ | 309,984 |  | $ | 24,623 |  | $ | 13,914 |  | $ | 4,649 |  | $ | 5,926 |  | $ | 34,331 |  | $ | 104,981 |  | $ | 498,408 |
Commercial real estate, owner-occupied: |  |  |  |  |  |  |  |
Pass | $ | 31,029 |  | $ | 27,581 |  | $ | 32,603 |  | $ | 43,843 |  | $ | 12,768 |  | $ | 101,014 |  | $ | — |  | $ | 248,838 |
Special Mention | — |  | — |  | 11,764 |  | 17,062 |  | 7,343 |  | 6,601 |  | — |  | 42,770 |
Substandard | 7,147 |  | — |  | — |  | — |  | 6,208 |  | — |  | — |  | 13,355 |
Total commercial real estate, owner-occupied | $ | 38,176 |  | $ | 27,581 |  | $ | 44,367 |  | $ | 60,905 |  | $ | 26,319 |  | $ | 107,615 |  | $ | — |  | $ | 304,963 |
Commercial real estate, investor-owned: |  |  |  |  |  |  |  |
Pass | $ | 162,300 |  | $ | 144,751 |  | $ | 173,955 |  | $ | 100,842 |  | $ | 94,862 |  | $ | 253,611 |  | $ | 117 |  | $ | 930,438 |
Special Mention | — |  | 10,695 |  | — |  | 1,819 |  | — |  | 8,124 |  | — |  | 20,638 |
Substandard | — |  | 2,716 |  | 4,435 |  | — |  | 1,553 |  | 1,428 |  | — |  | 10,132 |
Total commercial real estate, investor-owned | $ | 162,300 |  | $ | 158,162 |  | $ | 178,390 |  | $ | 102,661 |  | $ | 96,415 |  | $ | 263,163 |  | $ | 117 |  | $ | 961,208 |
Construction: |  |  |  |  |  |  |  |
Pass | $ | 31,654 |  | $ | 30,150 |  | $ | 11,242 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 73,046 |
Total construction | $ | 31,654 |  | $ | 30,150 |  | $ | 11,242 |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 73,046 |
Home equity: |  |  |  |  |  |  |  |
Pass | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 128 |  | $ | 694 |  | $ | 102,614 |  | $ | 103,436 |
Special Mention | — |  | — |  | — |  | — |  | — |  | — |  | 799 |  | 799 |
Substandard | — |  | — |  | — |  | — |  | — |  | 391 |  | 187 |  | 578 |
Total home equity | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 128 |  | $ | 1,085 |  | $ | 103,600 |  | $ | 104,813 |
Other residential: |  |  |  |  |  |  |  |
Pass | $ | 34,447 |  | $ | 31,079 |  | $ | 23,673 |  | $ | 10,574 |  | $ | 6,035 |  | $ | 17,587 |  | $ | — |  | $ | 123,395 |
Total other residential | $ | 34,447 |  | $ | 31,079 |  | $ | 23,673 |  | $ | 10,574 |  | $ | 6,035 |  | $ | 17,587 |  | $ | — |  | $ | 123,395 |
Installment and other consumer: |  |  |  |  |  |  |  |
Pass | $ | 2,361 |  | $ | 4,382 |  | $ | 3,483 |  | $ | 1,543 |  | $ | 3,423 |  | $ | 4,921 |  | $ | 2,593 |  | $ | 22,706 |
Substandard | — |  | — |  | — |  | 17 |  | — |  | — |  | — |  | 17 |
Total installment and other consumer | $ | 2,361 |  | $ | 4,382 |  | $ | 3,483 |  | $ | 1,560 |  | $ | 3,423 |  | $ | 4,921 |  | $ | 2,593 |  | $ | 22,723 |
Total loans: |  |  |  |  |  |  |  |
Pass | $ | 570,028 |  | $ | 260,532 |  | $ | 257,552 |  | $ | 161,310 |  | $ | 123,131 |  | $ | 412,109 |  | $ | 191,213 |  | $ | 1,975,875 |
Total Special Mention | $ | — |  | $ | 12,729 |  | $ | 13,082 |  | $ | 19,022 |  | $ | 7,354 |  | $ | 14,774 |  | $ | 19,891 |  | $ | 86,852 |
Total Substandard | $ | 8,894 |  | $ | 2,716 |  | $ | 4,435 |  | $ | 17 |  | $ | 7,761 |  | $ | 1,819 |  | $ | 187 |  | $ | 25,829 |
Totals | $ | 578,922 |  | $ | 275,977 |  | $ | 275,069 |  | $ | 180,349 |  | $ | 138,246 |  | $ | 428,702 |  | $ | 211,291 |  | $ | 2,088,556 |
Past Due Financing Receivables | The following table shows the amortized cost of loans by class, payment aging and non-accrual status as of September 30, 2021 and December 31, 2020.
Loan Aging Analysis by Class
(in thousands) | Commercial and industrial | Commercial real estate, owner-occupied | Commercial real estate, investor-owned | Construction | Home equity | Other residential | Installment and other consumer | Total
September 30, 2021 |  |  |  |  |  |  |  |
30-59 days past due | $ | 181 |  | $ | — |  | $ | — |  | $ | — |  | $ | 143 |  | $ | — |  | $ | 73 |  | $ | 397 |
60-89 days past due | 924 |  | — |  | — |  | — |  | 121 |  | — |  | 1 |  | 1,046 |
90 days or more past due | — |  | — |  |  | — |  | — |  | — |  | — |  | — |
Total past due | 1,105 |  | — |  | — |  | — |  | 264 |  | — |  | 74 |  | 1,443 |
Current | 376,860 |  | 398,543 |  | 1,157,344 |  | 125,060 |  | 92,132 |  | 117,778 |  | 47,859 |  | 2,315,576 |
Total loans 1 | $ | 377,965 |  | $ | 398,543 |  | $ | 1,157,344 |  | $ | 125,060 |  | $ | 92,396 |  | $ | 117,778 |  | $ | 47,933 |  | $ | 2,317,019 |
Non-accrual loans 2 | $ | — |  | $ | 7,273 |  | $ | 709 |  | $ | — |  | $ | 441 |  | $ | — |  | $ | — |  | $ | 8,423 |
Non-accrual loans with no allowance | $ | — |  | $ | 7,273 |  | $ | 709 |  | $ | — |  | $ | 441 |  | $ | — |  | $ | — |  | $ | 8,423 |
December 31, 2020 |  |  |  |  |  |  |  |
30-59 days past due | $ | — |  | $ | — |  | $ | 1,673 |  | $ | — |  | $ | 274 |  | $ | — |  | $ | 136 |  | $ | 2,083 |
60-89 days past due | — |  | — |  | — |  | — |  | — |  | — |  | 622 |  | 622 |
90 days or more past due | — |  | — |  | — |  | — |  | — |  | — |  | — |  | — |
Total past due | — |  | — |  | 1,673 |  | — |  | 274 |  | — |  | 758 |  | 2,705 |
Current | 498,408 |  | 304,963 |  | 959,535 |  | 73,046 |  | 104,539 |  | 123,395 |  | 21,965 |  | 2,085,851 |
Total loans 1 | $ | 498,408 |  | $ | 304,963 |  | $ | 961,208 |  | $ | 73,046 |  | $ | 104,813 |  | $ | 123,395 |  | $ | 22,723 |  | $ | 2,088,556 |
Non-accrual loans 2 | $ | — |  | $ | 7,147 |  | $ | 1,610 |  | $ | — |  | $ | 459 |  | $ | — |  | $ | 17 |  | $ | 9,233 |
Non-accrual loans with no allowance | $ | — |  | $ | 7,147 |  | $ | 1,610 |  | $ | — |  | $ | 459 |  | $ | — |  | $ | 17 |  | $ | 9,233 |
1 There were no loans past due more than ninety days accruing interest at September 30, 2021 or December 31, 2020. 2 None of the non-accrual loans as of September 30, 2021 or December 31, 2020 were earning interest on a cash basis. We recognized no interest income on non-accrual loans for the three and nine months ended September 30, 2021 and 2020. Other than a $118 thousand owner-occupied commercial real estate loan assumed in the ARB acquisition, there were no new loans placed on non-accrual status during the nine months ended September 30, 2021. Accrued interest of $20 thousand was reversed from interest income for loans that were placed on non-accrual status during the nine months ended September 30, 2020.
Schedule of Collateral Dependent Loans | The following table presents the amortized cost basis of individually analyzed collateral-dependent non-accrual loans by class at September 30, 2021 and December 31, 2020.
| Amortized Cost by Collateral Type |
(in thousands) | Commercial Real Estate | Residential Real Estate |  | Other | Total | Allowance for Credit Losses
September 30, 2021 |  |  |  |  |  |
Commercial real estate, owner-occupied | $ | 7,273 |  | $ | — |  |  | $ | — |  | $ | 7,273 |  | $ | — |
Commercial real estate, investor-owned | 709 |  | — |  |  | — |  | 709 |  | — |
Home equity | — |  | 441 |  |  | — |  | 441 |  | — |
Total | $ | 7,982 |  | $ | 441 |  |  | $ | — |  | $ | 8,423 |  | $ | — |
December 31, 2020 |  |  |  |  |  |
Commercial real estate, owner-occupied | $ | 7,147 |  | $ | — |  |  | $ | — |  | $ | 7,147 |  | $ | — |
Commercial real estate, investor-owned | 1,610 |  | — |  |  | — |  | 1,610 |  | — |
Home equity | — |  | 459 |  |  | — |  | 459 |  | — |
Installment and other consumer | — |  | — |  |  | 17 |  | 17 |  | — |
Total | $ | 8,757 |  | $ | 459 |  |  | $ | 17 |  | $ | 9,233 |  | $ | — |
Troubled Debt Restructurings on Financing Receivables | The following table summarizes the carrying amount of TDR loans by loan class as of September 30, 2021 and December 31, 2020.
(in thousands) |
Recorded Investment in Troubled Debt Restructurings 1 | September 30, 2021 | December 31, 2020
Commercial and industrial | $ | 1,394 |  | $ | 1,021 |
Commercial real estate, owner-occupied | 7,155 |  | 7,147 |
Commercial real estate, investor-owned | 1,718 |  | 3,305 |
Home equity | 273 |  | 281 |
Installment and other consumer | 706 |  | 752 |
Total | $ | 11,246 |  | $ | 12,506 |
1 TDR loans on non-accrual status totaled $7.4 million at both September 30, 2021 and December 31, 2020. Unfunded commitments for TDR loans totaled $242 thousand as of September 30, 2021. The following table presents information for loans modified in a TDR during the presented periods, including the number of modified contracts, the recorded investment in the loans prior to modification, and the recorded investment in the loans at period end after being restructured. The table excludes fully charged-off TDR loans and loans modified in a TDR and subsequently paid-off during the years presented, if applicable.
(dollars in thousands) | Number of Contracts Modified | Pre-Modification Outstanding Recorded Investment | Post-Modification Outstanding Recorded Investment | Post-Modification Outstanding Recorded Investment at Period End
TDRs during the three months ended September 30, 2021: |  |  |  |
Commercial and industrial | 1 | $ | 1,101 |  | $ | 1,101 |  | $ | 1,101 |
TDRs during the three months ended September 30, 2020: |  |  |  |
Commercial real estate, investor-owned | 1 | $ | 1,553 |  | $ | 1,553 |  | $ | 1,553 |
TDRs during the nine months ended September 30, 2021: |  |  |  |
Commercial and industrial | 1 |  | $ | 1,101 |  | $ | 1,101 |  | $ | 1,101 |
TDRs during the nine months ended September 30, 2020: |  |  |  |
Commercial and industrial | 1 |  | $ | 170 |  | $ | 162 |  | $ | 144 |
Commercial real estate, investor-owned | 1 |  | 1,553 |  | 1,553 |  | 1,553 |
Home equity | 1 |  | 276 |  | 276 |  | 276 |
Installment and other consumer | 3 |  | 211 |  | 211 |  | 210 |
Total | 6 |  | $ | 2,210 |  | $ | 2,202 |  | $ | 2,183 |
Schedule of Purchased Loans with Credit Deterioration | A reconciliation of the unpaid principal balance (or par value) to the purchase price (or fair value) for PCD loans as of the August 6, 2021 merger date is presented below.
(in thousands) |
Unpaid principal balance (par value) | $ | 92,029 |
Non-credit discount | (1,662) |
Amortized cost basis | 90,367 |
Initial allowance for credit losses on PCD loans | (1,505) |
Purchase price (PCD loans at fair value) | $ | 88,862 |
Allowance for Credit Losses on Financing Receivables | The following table discloses activity in the allowance for credit losses on loans for the periods presented.
Allowance for Credit Losses on Loans Rollforward
(in thousands) | Commercial and industrial | Commercial real estate, owner-occupied | Commercial real estate, investor-owned | Construction | Home equity | Other residential | Installment and other consumer | Unallocated | Total
Three months ended September 30, 2021 |  |  |  |  |  |  |
Beginning balance | $ | 1,590 |  | $ | 2,037 |  | $ | 10,761 |  | $ | 1,142 |  | $ | 412 |  | $ | 613 |  | $ | 238 |  | $ | 2,307 |  | $ | 19,100 |
Provision (reversal) - CECL | 126 |  | (30) |  | 1,011 |  | 77 |  | 247 |  | 4 |  | 384 |  | (19) |  | 1,800 |
Initial allowance for PCD loans | 405 |  | 559 |  | 533 |  | — |  | — |  | 6 |  | 2 |  | — |  | 1,505 |
Charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | (2) |  | — |  | (2) |
Recoveries | 3 |  | — |  | — |  | 8 |  | — |  | — |  | — |  | — |  | 11 |
Ending balance | $ | 2,124 |  | $ | 2,566 |  | $ | 12,305 |  | $ | 1,227 |  | $ | 659 |  | $ | 623 |  | $ | 622 |  | $ | 2,288 |  | $ | 22,414 |
Three months ended September 30, 2020 |  |  |  |  |  |  |
Beginning balance | $ | 2,609 |  | $ | 2,910 |  | $ | 10,403 |  | $ | 836 |  | $ | 1,044 |  | $ | 1,266 |  | $ | 426 |  | $ | 1,374 |  | $ | 20,868 |
Provision - incurred loss | (79) |  | 225 |  | 1,221 |  | 24 |  | (6) |  | (6) |  | (20) |  | (109) |  | 1,250 |
Charge-offs | (10) |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | (10) |
Recoveries | 5 |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | 5 |
Ending balance | $ | 2,525 |  | $ | 3,135 |  | $ | 11,624 |  | $ | 860 |  | $ | 1,038 |  | $ | 1,260 |  | $ | 406 |  | $ | 1,265 |  | $ | 22,113 |
Allowance for Credit Losses on Loans Rollforward
(in thousands) | Commercial and industrial | Commercial real estate, owner-occupied | Commercial real estate, investor | Construction | Home equity | Other residential | Installment and other consumer | Unallocated | Total
Nine months ended September 30, 2021 |  |  |  |  |  |  |
Beginning balance | $ | 2,530 |  | $ | 2,778 |  | $ | 12,682 |  | $ | 1,557 |  | $ | 738 |  | $ | 998 |  | $ | 291 |  | $ | 1,300 |  | $ | 22,874 |
Provision (reversal) - CECL | (821) |  | (771) |  | (910) |  | (356) |  | (129) |  | (381) |  | 331 |  | 988 |  | (2,049) |
Initial allowance for PCD loans | 405 |  | 559 |  | 533 |  | — |  | — |  | 6 |  | 2 |  | — |  | 1,505 |
Charge-offs | — |  | — |  | — |  | — |  | — |  | — |  | (2) |  | — |  | (2) |
Recoveries | 10 |  | — |  | — |  | 26 |  | 50 |  | — |  | — |  | — |  | 86 |
Ending balance | $ | 2,124 |  | $ | 2,566 |  | $ | 12,305 |  | $ | 1,227 |  | $ | 659 |  | $ | 623 |  | $ | 622 |  | $ | 2,288 |  | $ | 22,414 |
Nine months ended September 30, 2020 |  |  |  |  |  |  |
Beginning balance | $ | 2,334 |  | $ | 2,462 |  | $ | 8,483 |  | $ | 638 |  | $ | 850 |  | $ | 973 |  | $ | 284 |  | $ | 653 |  | $ | 16,677 |
Provision - incurred loss | 208 |  | 673 |  | 3,141 |  | 219 |  | 188 |  | 287 |  | 122 |  | 612 |  | 5,450 |
Charge-offs | (30) |  | — |  | — |  | — |  | — |  | — |  | — |  | — |  | (30) |
Recoveries | 13 |  | — |  | — |  | 3 |  | — |  | — |  | — |  | — |  | 16 |
Ending balance | $ | 2,525 |  | $ | 3,135 |  | $ | 11,624 |  | $ | 860 |  | $ | 1,038 |  | $ | 1,260 |  | $ | 406 |  | $ | 1,265 |  | $ | 22,113 |

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- Definition Financing Receivable, Purchased With Credit Deterioration And Not Purchased With Credit Deterioration [Table Text Block] + References No definition available. + Details
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- Definition Schedule of Collateral Dependent Loans + References No definition available. + Details
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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 5 -URI http://asc.fasb.org/extlink&oid=124255953&loc=SL82919230-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 210 -SubTopic 10 -Section S99 -Paragraph 1 -Subparagraph (SX 210.5-02.3,4) -URI http://asc.fasb.org/extlink&oid=120391452&loc=d3e13212-122682 + Details
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- Definition Tabular disclosure of financing receivable modified as troubled debt restructuring. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 33 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953676-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 34 -URI http://asc.fasb.org/extlink&oid=123577603&loc=SL6953682-111524 + Details
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