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Loans and Allowance for Loan Losses (Tables) | 6 Months Ended
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Jun. 30, 2019
Financing Receivable, Allowance for Credit Loss [Line Items] |
Schedule of Composition of Loan Portfolio | The following table summarizes the composition of our loan portfolio. Total gross loans are recorded net of deferred loan fees and costs, which totaled $2.9 million as of June 30, 2019 and $2.8 million as of December 31, 2018.
|  | June 30, 2019 |  | December 31, 2018
(dollars in thousands) |  | Amount |  |  | % of Total |  | Amount |  | % of Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 390,727 |  |  | 21.6 | % |  | $ | 367,018 |  |  | 21.9 | %
Non-owner occupied RE |  |  | 455,346 |  |  | 25.2 | % |  |  | 404,296 |  |  | 24.1 | %
Construction |  |  | 85,065 |  |  | 4.7 | % |  |  | 84,411 |  |  | 5.0 | %
Business |  |  | 292,564 |  |  | 16.2 | % |  |  | 272,980 |  |  | 16.3 | %
Total commercial loans |  |  | 1,223,702 |  |  | 67.7 | % |  |  | 1,128,705 |  |  | 67.3 | %
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 342,100 |  |  | 18.9 | % |  |  | 320,943 |  |  | 19.1 | %
Home equity |  |  | 170,861 |  |  | 9.4 | % |  |  | 165,937 |  |  | 9.9 | %
Construction |  |  | 46,247 |  |  | 2.6 | % |  |  | 37,925 |  |  | 2.3 | %
Other |  |  | 26,445 |  |  | 1.4 | % |  |  | 23,822 |  |  | 1.4 | %
Total consumer loans |  |  | 585,653 |  |  | 32.3 | % |  |  | 548,627 |  |  | 32.7 | %
Total gross loans, net of deferred fees |  |  | 1,809,355 |  |  | 100.0 | % |  |  | 1,677,332 |  |  | 100.0 | %
Less—allowance for loan losses |  |  | (16,144 | ) |  |  |  |  |  | (15,762 | ) |  |  |
Total loans, net |  | $ | 1,793,211 |  |  |  |  |  | $ | 1,661,570 |
Schedule of Loan Maturity Distribution by Type and Related Interest Rate | The information in the following tables summarizes the loan maturity distribution by type and related interest rate characteristics based on the contractual maturities of individual loans, including loans which may be subject to renewal at their contractual maturity. Renewal of such loans is subject to review and credit approval, as well as modification of terms upon maturity. Actual repayments of loans may differ from the maturities reflected below, because borrowers have the right to prepay obligations with or without prepayment penalties.
|  | June 30, 2019
|  |  |  |  | After one |  |  |  |  |
|  | One year |  | but within |  | After five |  |  |
(dollars in thousands) |  | or less |  | five years |  | years |  | Total
Commercial |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 21,628 |  | 161,881 |  | 207,218 |  |  | 390,727
Non-owner occupied RE |  |  | 50,516 |  | 268,178 |  | 136,652 |  |  | 455,346
Construction |  |  | 23,222 |  | 28,283 |  | 33,560 |  |  | 85,065
Business |  |  | 84,902 |  | 144,493 |  | 63,169 |  |  | 292,564
Total commercial loans |  |  | 180,268 |  | 602,835 |  | 440,599 |  |  | 1,223,702
Consumer |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 24,866 |  | 77,323 |  | 239,911 |  |  | 342,100
Home equity |  |  | 10,700 |  | 24,353 |  | 135,808 |  |  | 170,861
Construction |  |  | 16,216 |  | 872 |  | 29,159 |  |  | 46,247
Other |  |  | 7,617 |  | 14,294 |  | 4,534 |  |  | 26,445
Total consumer loans |  |  | 59,399 |  | 116,842 |  | 409,412 |  |  | 585,653
Total gross loans, net of deferred fees |  | $ | 239,667 |  | 719,677 |  | 850,011 |  |  | 1,809,355
Loans maturing after one year with: |  |  |  |  |  |  |  |  |  |
Fixed interest rates |  |  |  |  |  |  |  |  | $ | 1,198,490
Floating interest rates |  |  |  |  |  |  |  |  |  | 371,198
|  |  |  |  |  |  | December 31, 2018
|  |  |  |  | After one |  |  |  |  |
|  |  | One year |  | but within |  | After five |  |  |
(dollars in thousands) |  |  | or less |  | five years |  | years |  |  | Total
Commercial |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 20,839 |  | 165,436 |  | 180,743 |  |  | 367,018
Non-owner occupied RE |  |  | 43,000 |  | 227,454 |  | 133,842 |  |  | 404,296
Construction |  |  | 22,941 |  | 33,045 |  | 28,425 |  |  | 84,411
Business |  |  | 80,672 |  | 128,911 |  | 63,397 |  |  | 272,980
Total commercial loans |  |  | 167,452 |  | 554,846 |  | 406,407 |  |  | 1,128,705
Consumer |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 29,301 |  | 70,467 |  | 221,175 |  |  | 320,943
Home equity |  |  | 8,867 |  | 24,618 |  | 132,452 |  |  | 165,937
Construction |  |  | 16,006 |  | 1,646 |  | 20,273 |  |  | 37,925
Other |  |  | 7,681 |  | 11,253 |  | 4,888 |  |  | 23,822
Total consumer |  |  | 61,855 |  | 107,984 |  | 378,788 |  |  | 548,627
Total gross loan, net of deferred fees |  | $ | 229,307 |  | 662,830 |  | 785,195 |  |  | 1,677,332
Loans maturing after one year with: |  |  |  |  |  |  |  |  |  |
Fixed interest rates |  |  |  |  |  |  |  |  | $ | 1,100,854
Floating interest rates |  |  |  |  |  |  |  |  |  | 347,171
Schedule of Nonperforming Assets, Including Nonaccruing TDRs | Following is a summary of our nonperforming assets, including nonaccruing TDRs.
(dollars in thousands) |  | June 30, 2019 |  | December 31, 2018
Commercial |  |  |  |  |  |  |
Owner occupied RE |  | $ | - |  |  | - |
Non-owner occupied RE |  |  | 372 |  |  | 210 |
Construction |  |  | - |  |  | - |
Business |  |  | 65 |  |  | 81 |
Consumer |  |  |  |  |  |  |
Real estate |  |  | 1,710 |  |  | 1,980 |
Home equity |  |  | 442 |  |  | 1,006 |
Construction |  |  | - |  |  | - |
Other |  |  | - |  |  | 12 |
Nonaccruing troubled debt restructurings |  |  | 3,220 |  |  | 2,541 |
Total nonaccrual loans, including nonaccruing TDRs |  |  | 5,809 |  |  | 5,830 |
Other real estate owned |  |  | - |  |  | - |
Total nonperforming assets |  | $ | 5,809 |  |  | 5,830 |
Nonperforming assets as a percentage of: |  |  |  |  |  |  |
Total assets |  |  | 0.27 | % |  | 0.31 | %
Gross loans |  |  | 0.32 | % |  | 0.35 | %
Total loans over 90 days past due |  |  | 1,758 |  |  | 458 |
Loans over 90 days past due and still accruing |  |  | - |  |  | - |
Accruing troubled debt restructurings |  | $ | 6,935 |  |  | 6,742
Schedule of Key Information for Impaired Loans | The table below summarizes key information for impaired loans. The Company’s impaired loans include loans on nonaccrual status and loans modified in a TDR, whether on accrual or nonaccrual status. These impaired loans may have estimated impairment which is included in the allowance for loan losses. The Company’s commercial and consumer impaired loans are evaluated individually to determine the related allowance for loan losses.
|  |  |  |  | June 30, 2019
|  |  |  |  | Recorded investment |  |
|  |  |  |  |  |  | Impaired loans |  |
|  | Unpaid |  |  |  | with related |  | Related
|  | Principal |  | Impaired |  | allowance for |  | allowance for
(dollars in thousands) |  | Balance |  | loans |  | loan losses |  | loan losses
Commercial |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 3,171 |  | 3,107 |  | 447 |  | 75
Non-owner occupied RE |  |  | 2,870 |  | 2,507 |  | 1,706 |  | 532
Construction |  |  | - |  | - |  | - |  | -
Business |  |  | 3,359 |  | 2,713 |  | 2,118 |  | 884
Total commercial |  |  | 9,400 |  | 8,327 |  | 4,271 |  | 1,491
Consumer |  |  |  |  |  |  |  |  |
Real estate |  |  | 2,619 |  | 2,612 |  | 1,776 |  | 466
Home equity |  |  | 2,197 |  | 1,651 |  | 270 |  | 71
Construction |  |  | - |  | - |  | - |  | -
Other |  |  | 154 |  | 154 |  | 154 |  | 17
Total consumer |  |  | 4,970 |  | 4,417 |  | 2,201 |  | 554
Total |  | $ | 14,370 |  | 12,744 |  | 6,472 |  | 2,045
|  |  |  |  | December 31, 2018
|  |  |  |  | Recorded investment |  |
|  |  |  |  |  |  | Impaired loans |  |
|  | Unpaid |  |  |  | with related |  | Related
|  | Principal |  | Impaired |  | allowance for |  | allowance for
(dollars in thousands) |  | Balance |  | loans |  | loan losses |  | loan losses
Commercial |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 2,827 |  | 2,762 |  | 451 |  | 75
Non-owner occupied RE |  |  | 3,321 |  | 2,807 |  | 2,204 |  | 558
Construction |  |  | - |  | - |  | - |  | -
Business |  |  | 3,745 |  | 2,520 |  | 2,005 |  | 895
Total commercial |  |  | 9,893 |  | 8,089 |  | 4,660 |  | 1,528
Consumer |  |  |  |  |  |  |  |  |
Real estate |  |  | 2,993 |  | 2,892 |  | 1,398 |  | 456
Home equity |  |  | 1,935 |  | 1,421 |  | - |  | -
Construction |  |  | - |  | - |  | - |  | -
Other |  |  | 170 |  | 170 |  | 170 |  | 30
Total consumer |  |  | 5,098 |  | 4,483 |  | 1,568 |  | 486
Total |  | $ | 14,991 |  | 12,572 |  | 6,228 |  | 2,014
Schedule of Average Recorded Investment and Interest Income Recognized on Impaired Loans | The following table provides the average recorded investment in impaired loans and the amount of interest income recognized on impaired loans after impairment by portfolio segment and class.
|  |  |  |  |  |  | Three months ended |  | Three months ended
|  |  |  |  |  |  | June 30, 2019 |  | June 30, 2018
|  |  |  |  |  |  | Average |  | Recognized |  | Average |  | Recognized
|  |  |  |  |  |  | recorded |  | interest |  | recorded |  | interest
(dollars in thousands) |  |  |  |  |  |  | investment |  | income |  | investment |  | income
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  |  |  |  |  |  | $ | 3,116 |  | 44 |  | 2,800 |  | 45
Non-owner occupied RE |  |  |  |  |  |  |  | 2,544 |  | 41 |  | 3,878 |  | 77
Construction |  |  |  |  |  |  |  | - |  | - |  | - |  | -
Business |  |  |  |  |  |  |  | 2,728 |  | 37 |  | 3,361 |  | 57
Total commercial |  |  |  |  |  |  |  | 8,388 |  | 122 |  | 10,039 |  | 179
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  |  |  |  |  |  | 2,622 |  | 20 |  | 2,892 |  | 40
Home equity |  |  |  |  |  |  |  | 1,659 |  | 21 |  | 2,135 |  | 24
Construction |  |  |  |  |  |  |  | - |  | - |  | - |  | -
Other |  |  |  |  |  |  |  | 155 |  | 1 |  | 165 |  | 1
Total consumer |  |  |  |  |  |  |  | 4,436 |  | 42 |  | 5,192 |  | 65
Total |  |  |  |  |  |  | $ | 12,824 |  | 164 |  | 15,231 |  | 244
|  | Six months ended |  | Six months ended |  | Year ended
|  | June 30, 2019 |  | June 30, 2018 |  | December 31, 2018
|  | Average |  | Recognized |  | Average |  | Recognized |  | Average |  | Recognized
|  | recorded |  | interest |  | recorded |  | interest |  | recorded |  | interest
(dollars in thousands) |  | investment |  | income |  | investment |  | income |  | investment |  | income
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 3,123 |  | 79 |  |  | 2,804 |  | 62 |  | 2,784 |  | 142
Non-owner occupied RE |  |  | 2,565 |  | 85 |  |  | 3,920 |  | 126 |  | 2,860 |  | 174
Construction |  |  | - |  | - |  |  | - |  | - |  | - |  | -
Business |  |  | 2,700 |  | 77 |  |  | 3,380 |  | 79 |  | 2,883 |  | 162
Total commercial |  |  | 8,388 |  | 241 |  |  | 10,104 |  | 267 |  | 8,527 |  | 478
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 2,633 |  | 45 |  |  | 2,911 |  | 81 |  | 2,930 |  | 151
Home equity |  |  | 1,670 |  | 51 |  |  | 2,172 |  | 51 |  | 1,453 |  | 99
Construction |  |  | - |  | - |  |  | - |  | - |  | - |  | -
Other |  |  | 156 |  | 2 |  |  | 167 |  | 3 |  | 174 |  | 5
Total consumer |  |  | 4,459 |  | 98 |  |  | 5,250 |  | 135 |  | 4,557 |  | 255
Total |  | $ | 12,847 |  | 339 |  |  | 15,354 |  | 402 |  | 13,084 |  | 733
Schedule of Allowance for Loan Losses by Commercial and Consumer Portfolio Segments | The following table summarizes the activity related to the allowance for loan losses by commercial and consumer portfolio segments:
|  | Three months ended June 30, 2019
|  | Commercial |  | Consumer |  |  |
|  | Owner |  | Non-owner |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | occupied |  | occupied |  |  |  |  |  |  |  | Real |  | Home |  |  |  |  |  |  |  |
(dollars in thousands) |  | RE |  | RE |  | Construction |  | Business |  | Estate |  | equity |  | Construction |  | Other |  | Total
Balance, beginning of period |  | $ | 2,783 |  |  | 3,886 |  |  | 572 |  |  | 3,796 |  |  | 3,041 |  |  | 1,410 |  |  | 282 |  | 281 |  |  | 16,051 |
Provision for loan losses |  |  | 135 |  |  | 143 |  |  | (3 | ) |  | (181 | ) |  | 49 |  |  | 98 |  |  | 36 |  | 23 |  |  | 300 |
Loan charge-offs |  |  | (110 | ) |  | (13 | ) |  | - |  |  | - |  |  | - |  |  | (100 | ) |  | - |  | (14 | ) |  | (237 | )
Loan recoveries |  |  | - |  |  | - |  |  | - |  |  | 8 |  |  | 14 |  |  | 1 |  |  | - |  | 7 |  |  | 30 |
Net loan charge-offs |  |  | (110 | ) |  | (13 | ) |  | - |  |  | 8 |  |  | 14 |  |  | (99 | ) |  | - |  | (7 | ) |  | (207 | )
Balance, end of period |  | $ | 2,808 |  |  | 4,016 |  |  | 569 |  |  | 3,623 |  |  | 3,104 |  |  | 1,409 |  |  | 318 |  | 297 |  |  | 16,144 |
Net charge-offs to average loans (annualized) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.05 | %
Allowance for loan losses to gross loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.89 | %
Allowance for loan losses to nonperforming loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 277.92 | %
|  | Three months ended June 30, 2018
|  | Commercial |  | Consumer |  |  |
|  | Owner |  | Non-owner |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | occupied |  | occupied |  |  |  |  |  |  |  | Real |  | Home |  |  |  |  |  |  |  |
(dollars in thousands) |  | RE |  | RE |  | Construction |  | Business |  | Estate |  | equity |  | Construction |  | Other |  | Total
Balance, beginning of period |  | $ | 2,680 |  |  | 3,366 |  |  | 415 |  |  | 3,553 |  |  | 3,391 |  |  | 1,911 |  |  | 256 |  | 280 |  |  | 15,852 |
Provision for loan losses |  |  | 19 |  |  | 342 |  |  | 129 |  |  | 280 |  |  | 54 |  |  | (438 | ) |  | 26 |  | (12 | ) |  | 400 |
Loan charge-offs |  |  | - |  |  | (234 | ) |  | - |  |  | - |  |  | - |  |  | (77 | ) |  | - |  | - |  |  | (311 | )
Loan recoveries |  |  | - |  |  | 107 |  |  | - |  |  | 16 |  |  | 1 |  |  | 35 |  |  | - |  | - |  |  | 159 |
Net loan charge-offs |  |  | - |  |  | (127 | ) |  | - |  |  | 16 |  |  | 1 |  |  | (42 | ) |  | - |  | - |  |  | (152 | )
Balance, end of period |  | $ | 2,699 |  |  | 3,581 |  |  | 544 |  |  | 3,849 |  |  | 3,446 |  |  | 1,431 |  |  | 282 |  | 268 |  |  | 16,100 |
Net charge-offs to average loans (annualized) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.04 | %
Allowance for loan losses to gross loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.05 | %
Allowance for loan losses to nonperforming loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 208.52 | %
|  | Six months ended June 30, 2019
|  | Commercial |  | Consumer |  |  |
|  | Owner |  | Non-owner |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | occupied |  | occupied |  |  |  |  |  |  |  | Real |  |  | Home |  |  |  |  |  |  |  |
(dollars in thousands) |  | RE |  | RE |  | Construction |  | Business |  | Estate |  |  | equity |  | Construction |  | Other |  | Total
Balance, beginning of period |  | $ | 2,726 |  |  | 3,811 |  |  | 615 |  |  | 3,616 |  |  | 3,081 |  |  | 1,348 |  |  | 275 |  | 290 |  |  | 15,762 |
Provision for loan losses |  |  | 192 |  |  | 217 |  |  | (46 | ) |  | (10 | ) |  | (6 | ) |  | 160 |  |  | 43 |  | 50 |  |  | 600 |
Loan charge-offs |  |  | (110 | ) |  | (14 | ) |  | - |  |  | - |  |  | - |  |  | (100 | ) |  | - |  | (53 | ) |  | (277 | )
Loan recoveries |  |  | - |  |  | 2 |  |  | - |  |  | 17 |  |  | 29 |  |  | 1 |  |  | - |  | 10 |  |  | 59 |
Net loan charge-offs |  |  | (110 | ) |  | (12 | ) |  | - |  |  | 17 |  |  | 29 |  |  | (99 | ) |  | - |  | (43 | ) |  | (218 | )
Balance, end of period |  | $ | 2,808 |  |  | 4,016 |  |  | 569 |  |  | 3,623 |  |  | 3,104 |  |  | 1,409 |  |  | 318 |  | 297 |  |  | 16,144 |
Net charge-offs to average loans (annualized) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.03 | %
|  | Six months ended June 30, 2018
|  | Commercial |  | Consumer |  |  |
|  | Owner |  | Non-owner |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
|  | occupied |  | occupied |  |  |  |  |  |  |  | Real |  |  | Home |  |  |  |  |  |  |  |
|  | RE |  | RE |  | Construction |  | Business |  | Estate |  |  | equity |  | Construction |  | Other |  | Total
Balance, beginning of period |  | $ | 2,534 |  |  | 3,230 |  |  | 325 |  |  | 3,848 |  |  | 3,495 |  |  | 1,600 |  |  | 210 |  | 281 |  |  | 15,523 |
Provision for loan losses |  |  | 165 |  |  | 478 |  |  | 219 |  |  | (14 | ) |  | 25 |  |  | (64 | ) |  | 72 |  | 19 |  |  | 900 |
Loan charge-offs |  |  | - |  |  | (234 | ) |  | - |  |  | (119 | ) |  | (77 | ) |  | (140 | ) |  | - |  | (34 | ) |  | (604 | )
Loan recoveries |  |  | - |  |  | 107 |  |  | - |  |  | 134 |  |  | 3 |  |  | 35 |  |  | - |  | 2 |  |  | 281 |
Net loan charge-offs |  |  | - |  |  | (127 | ) |  | - |  |  | 15 |  |  | (74 | ) |  | (105 | ) |  | - |  | (32 | ) |  | (323 | )
Balance, end of period |  | $ | 2,699 |  |  | 3,581 |  |  | 544 |  |  | 3,849 |  |  | 3,446 |  |  | 1,431 |  |  | 282 |  | 268 |  |  | 16,100 |
Net charge-offs to average loans (annualized) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.04 | %
Schedule of Allowance for Loan Losses and Recorded Investment in Loans by Impairment | The following table disaggregates the allowance for loan losses and recorded investment in loans by impairment methodology.
|  | June 30, 2019
|  | Allowance for loan losses |  | Recorded investment in loans
(dollars in thousands) |  | Commercial |  | Consumer |  | Total |  | Commercial |  | Consumer |  | Total
Individually evaluated |  | $ | 1,491 |  | 554 |  | 2,045 |  | 8,327 |  | 4,417 |  | 12,744
Collectively evaluated |  |  | 9,525 |  | 4,574 |  | 14,099 |  | 1,215,375 |  | 581,236 |  | 1,796,611
Total |  | $ | 11,016 |  | 5,128 |  | 16,144 |  | 1,223,702 |  | 585,653 |  | 1,809,355
|  |  |  |  |  |  |  |  |  |  | December 31, 2018
|  | Allowance for loan losses |  | Recorded investment in loans
(dollars in thousands) |  | Commercial |  | Consumer |  | Total |  | Commercial |  | Consumer |  | Total
Individually evaluated |  | $ | 1,528 |  | 486 |  | 2,014 |  | 8,089 |  | 4,483 |  | 12,572
Collectively evaluated |  |  | 9,240 |  | 4,508 |  | 13,748 |  | 1,120,616 |  | 544,144 |  | 1,664,760
Total |  | $ | 10,768 |  | 4,994 |  | 15,762 |  | 1,128,705 |  | 548,627 |  | 1,677,332
Consumer Loan [Member] |
Financing Receivable, Allowance for Credit Loss [Line Items] |
Summary of breakdown of outstanding loans by risk category | The tables below provide a breakdown of outstanding consumer loans by risk category.
|  | June 30, 2019
(dollars in thousands) |  | Real estate |  | Home equity |  | Construction |  | Other |  | Total
Pass |  | $ | 335,618 |  | 167,670 |  | 46,247 |  | 26,322 |  | 575,857
Special mention |  |  | 2,818 |  | 256 |  | - |  | 99 |  | 3,173
Substandard |  |  | 3,664 |  | 2,935 |  | - |  | 24 |  | 6,623
Doubtful |  |  | - |  | - |  | - |  | - |  | -
|  | $ | 342,100 |  | 170,861 |  | 46,247 |  | 26,445 |  | 585,653
|  | December 31, 2018
(dollars in thousands) |  |  | Real estate |  | Home equity |  | Construction |  | Other |  | Total
Pass |  | $ | 314,586 |  | 162,626 |  | 37,925 |  | 23,586 |  | 538,723
Special mention |  |  | 1,792 |  | 864 |  | - |  | 139 |  | 2,795
Substandard |  |  | 4,565 |  | 2,447 |  | - |  | 97 |  | 7,109
Doubtful |  |  | - |  | - |  | - |  | - |  | -
|  | $ | 320,943 |  | 165,937 |  | 37,925 |  | 23,822 |  | 548,627
Summary of outstanding commercial and consumer loans which include loans on nonaccrual by past due status | The following tables provide past due information for outstanding consumer loans and include loans on nonaccrual status as well as accruing TDRs.
|  | June 30, 2019
(dollars in thousands) |  | Real estate |  | Home equity |  | Construction |  | Other |  | Total
Current |  | $ | 339,686 |  | 169,686 |  | 46,247 |  | 26,417 |  | 582,036
30-59 days past due |  |  | 674 |  | 604 |  | - |  | 28 |  | 1,306
60-89 days past due |  |  | 247 |  | 371 |  | - |  | - |  | 618
Greater than 90 Days |  |  | 1,493 |  | 200 |  | - |  | - |  | 1,693
|  | $ | 342,100 |  | 170,861 |  | 46,247 |  | 26,445 |  | 585,653
|  | December 31, 2018
(dollars in thousands) |  | Real estate |  | Home equity |  | Construction |  | Other |  | Total
Current |  | $ | 317,267 |  | 165,727 |  | 37,925 |  | 23,603 |  | 544,522
30-59 days past due |  |  | 2,555 |  | 30 |  | - |  | 106 |  | 2,691
60-89 days past due |  |  | 923 |  | - |  | - |  | 113 |  | 1,036
Greater than 90 Days |  |  | 198 |  | 180 |  | - |  | - |  | 378
|  | $ | 320,943 |  | 165,937 |  | 37,925 |  | 23,822 |  | 548,627
Commercial Loan [Member] |
Financing Receivable, Allowance for Credit Loss [Line Items] |
Summary of breakdown of outstanding loans by risk category | The tables below provide a breakdown of outstanding commercial loans by risk category.
|  | June 30, 2019
|  | Owner |  | Non-owner |  |  |  |  |  |
(dollars in thousands) |  | occupied RE |  | occupied RE |  | Construction |  | Business |  | Total
Pass |  | $ | 386,489 |  | 447,808 |  | 84,998 |  | 286,387 |  | 1,205,682
Special mention |  |  | 1,850 |  | 4,194 |  | 67 |  | 1,969 |  | 8,080
Substandard |  |  | 2,388 |  | 3,344 |  | - |  | 4,208 |  | 9,940
Doubtful |  |  | - |  | - |  | - |  | - |  | -
|  | $ | 390,727 |  | 455,346 |  | 85,065 |  | 292,564 |  | 1,223,702
|  | December 31, 2018
|  | Owner |  | Non-owner |  |  |  |  |  |
(dollars in thousands) |  | occupied RE |  | occupied RE |  | Construction |  | Business |  | Total
Pass |  | $ | 363,621 |  | 400,266 |  | 84,411 |  | 266,898 |  | 1,115,196
Special mention |  |  | 296 |  | 118 |  | - |  | 2,971 |  | 3,385
Substandard |  |  | 3,101 |  | 3,912 |  | - |  | 3,111 |  | 10,124
Doubtful |  |  | - |  | - |  | - |  | - |  | -
|  | $ | 367,018 |  | 404,296 |  | 84,411 |  | 272,980 |  | 1,128,705
Summary of outstanding commercial and consumer loans which include loans on nonaccrual by past due status | The following tables provide past due information for outstanding commercial loans and include loans on nonaccrual status as well as accruing TDRs.
|  | June 30, 2019
|  | Owner |  | Non-owner |  |  |  |  |  |
(dollars in thousands) |  | occupied RE |  | occupied RE |  | Construction |  | Business |  | Total
Current |  | $ | 390,538 |  | 454,930 |  | 85,065 |  | 292,284 |  | 1,222,817
30-59 days past due |  |  | 189 |  | 206 |  | - |  | 38 |  | 433
60-89 days past due |  |  | - |  | 210 |  | - |  | 177 |  | 387
Greater than 90 Days |  |  | - |  | - |  | - |  | 65 |  | 65
|  | $ | 390,727 |  | 455,346 |  | 85,065 |  | 292,564 |  | 1,223,702
|  | December 31, 2018
|  | Owner |  | Non-owner |  |  |  |  |  |
|  | occupied RE |  | occupied RE |  | Construction |  | Business |  | Total
Current |  | $ | 367,018 |  | 404,179 |  | 84,411 |  | 272,864 |  | 1,128,472
30-59 days past due |  |  | - |  | 117 |  | - |  | 36 |  | 153
60-89 days past due |  |  | - |  | - |  | - |  | - |  | -
Greater than 90 Days |  |  | - |  | - |  | - |  | 80 |  | 80
|  | $ | 367,018 |  | 404,296 |  | 84,411 |  | 272,980 |  | 1,128,705

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