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Loans and Allowance for Loan Losses (Tables) | 12 Months Ended
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Dec. 31, 2021
Financing Receivable, Allowance for Credit Loss [Line Items] |
Summary 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 $5.0 million and $3.9 million as of December 31, 2021 and December 31, 2020, respectively.
|  | December 31,
(dollars in thousands) |  | 2021 |  |  |  | 2020
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 488,965 |  | 19.6 | % |  |  | 433,320 |  | 20.2 | %
Non-owner occupied RE |  |  | 666,833 |  | 26.8 | % |  |  | 585,269 |  | 27.3 | %
Construction |  |  | 64,425 |  | 2.6 | % |  |  | 61,467 |  | 2.9 | %
Business |  |  | 333,049 |  | 13.4 | % |  |  | 307,599 |  | 14.4 | %
Total commercial loans |  |  | 1,553,272 |  | 62.4 | % |  |  | 1,387,655 |  | 64.8 | %
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 694,401 |  | 27.9 | % |  |  | 536,311 |  | 25.0 | %
Home equity |  |  | 154,839 |  | 6.2 | % |  |  | 156,957 |  | 7.3 | %
Construction |  |  | 59,846 |  | 2.4 | % |  |  | 40,525 |  | 1.9 | %
Other |  |  | 27,519 |  | 1.1 | % |  |  | 21,419 |  | 1.0 | %
Total consumer loans |  |  | 936,605 |  | 37.6 | % |  |  | 755,212 |  | 35.2 | %
Total gross loans, net of deferred fees |  |  | 2,489,877 |  | 100.0 | % |  |  | 2,142,867 |  | 100.0 | %
Less – allowance for loan losses |  |  | (30,408 | ) |  |  |  |  | (44,149 | ) |  |
Total loans, net |  | $ | 2,459,469 |  |  |  |  |  | 2,098,718 |  |  |
Composition of gross loans by rate type | The composition of gross loans by rate type is as follows:
|  | December 31, |
(dollars in thousands) |  | 2021 |  |  | 2020 |
Floating rate loans |  | $ | 376,805 |  |  |  | 400,506 |
Fixed rate loans |  |  | 2,113,072 |  |  |  | 1,742,361 |
|  | $ | 2,489,877 |  |  |  | 2,142,867 |
Summary of nonperforming assets, including nonaccruing TDRs | The following table shows the nonperforming assets and the related percentage of nonperforming assets to total assets and gross loans. Generally, a loan is placed on nonaccrual status when it becomes 90 days past due as to principal or interest, or when we believe, after considering economic and business conditions and collection efforts, that the borrower’s financial condition is such that collection of the contractual principal or interest on the loan is doubtful. A payment of interest on a loan that is classified as nonaccrual is recognized as a reduction in principal when received.
|  | December 31, |
(dollars in thousands) |  | 2021 |  |  | 2020 |
Commercial |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | - |  |  |  | - |
Non-owner occupied RE |  |  | 270 |  |  |  | 1,143 |
Construction |  |  | - |  |  |  | 139 |
Business |  |  | - |  |  |  | 195 |
Consumer |  |  |  |  |  |  |  |
Real estate |  |  | 989 |  |  |  | 2,536 |
Home equity |  |  | 653 |  |  |  | 547 |
Construction |  |  | - |  |  |  | - |
Other |  |  | - |  |  |  | - |
Nonaccruing troubled debt restructurings |  |  | 2,952 |  |  |  | 3,509 |
Total nonaccrual loans, including nonaccruing TDRs |  |  | 4,864 |  |  |  | 8,069 |
Other real estate owned |  |  | - |  |  |  | 1,169 |
Total nonperforming assets |  | $ | 4,864 |  |  |  | 9,238 |
Nonperforming assets as a percentage of: |  |  |  |  |  |  |  |
Total assets |  |  | 0.17 | % |  |  | 0.37 | %
Gross loans |  |  | 0.20 | % |  |  | 0.43 | %
Total loans over 90 days past due |  | $ | 554 |  |  |  | 2,296 |
Loans over 90 days past due and still accruing |  |  | - |  |  |  | - |
Accruing TDRs |  |  | 3,299 |  |  |  | 4,893 |
Summary of key information for impaired loans | The table below summarizes key information for impaired loans. Our 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. Our commercial and consumer impaired loans are evaluated individually to determine the related allowance for loan losses.
|  |  |  | December 31, 2021 |
|  |  |  |  |  | Recorded investment |  |  |  |  |
|  |  |  |  |  |  |  | Impaired loans |  |  | Impaired loans |  |  |  |
|  | Unpaid |  |  |  |  |  | with no related |  |  | with related |  |  | Related |
|  | Principal |  |  | Impaired |  |  | allowance for |  |  | allowance for |  |  | allowance for |
(dollars in thousands) |  | Balance |  |  | loans |  |  | loan losses |  |  | loan losses |  |  | loan losses |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 1,261 |  |  |  | 1,261 |  |  |  | 1,261 |  |  |  | - |  |  |  | - |
Non-owner occupied RE |  |  | 2,012 |  |  |  | 1,070 |  |  |  | 270 |  |  |  | 800 |  |  |  | 171 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Business |  |  | 1,104 |  |  |  | 1,104 |  |  |  | - |  |  |  | 1,104 |  |  |  | 452 |
Total commercial |  |  | 4,377 |  |  |  | 3,435 |  |  |  | 1,531 |  |  |  | 1,904 |  |  |  | 623 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 2,638 |  |  |  | 2,561 |  |  |  | 1,743 |  |  |  | 818 |  |  |  | 144 |
Home equity |  |  | 2,206 |  |  |  | 2,044 |  |  |  | 1,989 |  |  |  | 55 |  |  |  | 55 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other |  |  | 123 |  |  |  | 123 |  |  |  | - |  |  |  | 123 |  |  |  | 14 |
Total consumer |  |  | 4,967 |  |  |  | 4,728 |  |  |  | 3,732 |  |  |  | 996 |  |  |  | 213 |
Total |  | $ | 9,344 |  |  |  | 8,163 |  |  |  | 5,263 |  |  |  | 2,900 |  |  |  | 836 |
88 Table of Contents
|  |  |  | December 31, 2020 |
|  |  |  |  |  | Recorded investment |  |  |  |  |
|  |  |  |  |  |  |  | Impaired loans |  |  | Impaired loans |  |  |  |
|  | Unpaid |  |  |  |  |  | with no related |  |  | with related |  |  | Related |
|  | Principal |  |  | Impaired |  |  | allowance for |  |  | allowance for |  |  | allowance for |
(dollars in thousands) |  | Balance |  |  | loans |  |  | loan losses |  |  | loan losses |  |  | loan losses |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  | $ | 1,753 |  |  |  | 1,649 |  |  |  | 1,497 |  |  |  | 152 |  |  |  | 76 |
Non-owner occupied RE |  |  | 3,212 |  |  |  | 2,188 |  |  |  | 705 |  |  |  | 1,483 |  |  |  | 366 |
Construction |  |  | 141 |  |  |  | 139 |  |  |  | 139 |  |  |  | - |  |  |  | - |
Business |  |  | 2,892 |  |  |  | 2,449 |  |  |  | 279 |  |  |  | 2,170 |  |  |  | 897 |
Total commercial |  |  | 7,998 |  |  |  | 6,425 |  |  |  | 2,620 |  |  |  | 3,805 |  |  |  | 1,339 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 4,362 |  |  |  | 4,031 |  |  |  | 3,108 |  |  |  | 923 |  |  |  | 190 |
Home equity |  |  | 2,498 |  |  |  | 2,371 |  |  |  | 2,096 |  |  |  | 275 |  |  |  | 163 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Other |  |  | 135 |  |  |  | 135 |  |  |  | - |  |  |  | 135 |  |  |  | 17 |
Total consumer |  |  | 6,995 |  |  |  | 6,537 |  |  |  | 5,204 |  |  |  | 1,333 |  |  |  | 370 |
Total |  | $ | 14,993 |  |  |  | 12,962 |  |  |  | 7,824 |  |  |  | 5,138 |  |  |  | 1,709 |
Summary 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.
|  | Year ended December 31, |
|  | 2021 |  |  | 2020 |  | 2019 |
|  | 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 |  | $ | 1,387 |  |  | 65 |  |  | 2,423 |  |  | 88 |  |  | 2,739 |  |  | 128 |
Non-owner occupied RE |  |  | 3,128 |  |  | 182 |  |  | 4,217 |  |  | 221 |  |  | 4,161 |  |  | 255 |
Construction |  |  | 55 |  |  | - |  |  | 56 |  |  | 6 |  |  | - |  |  | - |
Business |  |  | 2,218 |  |  | 62 |  |  | 2,306 |  |  | 243 |  |  | 1,582 |  |  | 79 |
Total commercial |  |  | 6,788 |  |  | 309 |  |  | 9,002 |  |  | 558 |  |  | 8,482 |  |  | 462 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 3,641 |  |  | 98 |  |  | 3,372 |  |  | 170 |  |  | 2,771 |  |  | 131 |
Home equity |  |  | 1,964 |  |  | 85 |  |  | 2,128 |  |  | 5 |  |  | 853 |  |  | 42 |
Construction |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
Other |  |  | 129 |  |  | 4 |  |  | 141 |  |  | 79 |  |  | 153 |  |  | 5 |
Total consumer |  |  | 5,734 |  |  | 187 |  |  | 5,641 |  |  | 254 |  |  | 3,777 |  |  | 178 |
Total |  | $ | 12,522 |  |  | 496 |  |  | 14,643 |  |  | 812 |  |  | 12,259 |  |  | 640 |
Summary of activity related to allowance for loan losses | The following table summarizes the activity related to our allowance for loan losses:
|  | Year ended December 31, |
(dollars in thousands) |  | 2021 |  | 2020 |  | 2019 |
Balance, beginning of period |  | $ | 44,149 |  |  | 16,642 |  |  | 15,762 |
Provision for loan losses |  |  | (12,400 | ) |  | 29,600 |  |  | 2,300 |
Loan charge-offs: |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  |  | - |  |  | (94 | ) |  | (110 | )
Non-owner occupied RE |  |  | (837 | ) |  | (1,508 | ) |  | (239 | )
Construction |  |  | - |  |  | - |  |  | - |
Business |  |  | (1,181 | ) |  | (1,309 | ) |  | (910 | )
Total commercial |  |  | (2,018 | ) |  | (2,911 | ) |  | (1,259 | )
Consumer |  |  |  |  |  |  |  |  |  |
Real estate |  |  | - |  |  | (134 | ) |  | - |
Home equity |  |  | (139 | ) |  | (299 | ) |  | (174 | )
Construction |  |  | - |  |  | - |  |  | - |
Other |  |  | (9 | ) |  | (70 | ) |  | (82 | )
Total consumer |  |  | (148 | ) |  | (503 | ) |  | (256 | )
Total loan charge-offs |  |  | (2,166 | ) |  | (3,414 | ) |  | (1,515 | )
Loan recoveries: |  |  |  |  |  |  |  |  |  |
Commercial |  |  |  |  |  |  |  |  |  |
Owner occupied RE |  |  | 94 |  |  | 65 |  |  | - |
Non-owner occupied RE |  |  | 263 |  |  | 670 |  |  | 2 |
Construction |  |  | - |  |  | - |  |  | - |
Business |  |  | 239 |  |  | 470 |  |  | 43 |
Total commercial |  |  | 596 |  |  | 1,205 |  |  | 45 |
Consumer |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 18 |  |  | 18 |  |  | 37 |
Home equity |  |  | 201 |  |  | 69 |  |  | 2 |
Construction |  |  | - |  |  | - |  |  | - |
Other |  |  | 10 |  |  | 29 |  |  | 11 |
Total consumer |  |  | 229 |  |  | 116 |  |  | 50 |
Total recoveries |  |  | 825 |  |  | 1,321 |  |  | 95 |
Net loan charge-offs |  |  | (1,341 | ) |  | (2,093 | ) |  | (1,420 | )
Balance, end of period |  | $ | 30,408 |  |  | 44,149 |  |  | 16,642 |
Summary of allowance for loan losses by commercial and consumer portfolio segments | The following tables summarize the activity in the allowance for loan losses by our commercial and consumer portfolio segments.
|  | Year ended December 31, 2021 |
(dollars in thousands) |  | Commercial |  |  | Consumer |  |  | Total |
Balance, beginning of period |  | $ | 29,166 |  |  |  | 14,983 |  |  |  | 44,149 |
Provision |  |  | (7,014 | ) |  |  | (5,386 | ) |  |  | (12,400 | )
Loan charge-offs |  |  | (2,018 | ) |  |  | (148 | ) |  |  | (2,166 | )
Loan recoveries |  |  | 596 |  |  |  | 229 |  |  |  | 825 |
Net loan charge-offs |  |  | (1,422 | ) |  |  | 81 |  |  |  | (1,341 | )
Balance, end of period |  | $ | 20,730 |  |  |  | 9,678 |  |  |  | 30,408 |
|  | Year ended December 31, 2020 |
|  | Commercial |  |  | Consumer |  |  | Total |
Balance, beginning of period |  | $ | 11,372 |  |  |  | 5,270 |  |  |  | 16,642 |
Provision |  |  | 19,500 |  |  |  | 10,100 |  |  |  | 29,600 |
Loan charge-offs |  |  | (2,911 | ) |  |  | (503 | ) |  |  | (3,414 | )
Loan recoveries |  |  | 1,205 |  |  |  | 116 |  |  |  | 1,321 |
Net loan charge-offs |  |  | (1,706 | ) |  |  | (387 | ) |  |  | (2,093 | )
Balance, end of period |  | $ | 29,166 |  |  |  | 14,983 |  |  |  | 44,149 |
Summary of allowance for loan losses and recorded investment in loans by impairment methodology | The following table disaggregates our allowance for loan losses and recorded investment in loans by method of impairment evaluation.
|  | December 31, 2021 |
|  | Allowance for loan losses |  | Recorded investment in loans |
(dollars in thousands) |  | Commercial |  | Consumer |  | Total |  | Commercial |  | Consumer |  | Total |
Individually evaluated |  | $ | 623 |  |  | 213 |  |  | 836 |  |  | 3,435 |  |  | 4,728 |  |  | 8,163 |
Collectively evaluated |  |  | 20,107 |  |  | 9,465 |  |  | 29,572 |  |  | 1,549,837 |  |  | 931,877 |  |  | 2,481,714 |
Total |  | $ | 20,730 |  |  | 9,678 |  |  | 30,408 |  |  | 1,553,272 |  |  | 936,605 |  |  | 2,489,877 |
|  | December 31, 2020 |
|  | Allowance for loan losses |  | Recorded investment in loans |
|  | Commercial |  | Consumer |  | Total |  | Commercial |  | Consumer |  | Total |
Individually evaluated |  | $ | 1,339 |  |  | 370 |  |  | 1,709 |  |  | 6,425 |  |  | 6,537 |  |  | 12,962 |
Collectively evaluated |  |  | 27,827 |  |  | 14,613 |  |  | 42,440 |  |  | 1,381,230 |  |  | 748,675 |  |  | 2,129,905 |
Total |  | $ | 29,166 |  |  | 14,983 |  |  | 44,149 |  |  | 1,387,655 |  |  | 755,212 |  |  | 2,142,867 |
Consumer [Member] |
Financing Receivable, Allowance for Credit Loss [Line Items] |
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.
|  | December 31, 2021 |
(dollars in thousands) |  | Real estate |  | Home equity |  | Construction |  | Other |  | Total |
Current |  |  | 693,712 |  |  | 153,309 |  |  | 59,846 |  |  | 27,515 |  |  | 934,382 |
30-59 days past due |  |  | 135 |  |  | 1,356 |  |  | - |  |  | 4 |  |  | 1,495 |
60-89 days past due |  |  | - |  |  | 174 |  |  | - |  |  | - |  |  | 174 |
Greater than 90 days |  |  | 554 |  |  | - |  |  | - |  |  | - |  |  | 554 |
|  | $ | 694,401 |  |  | 154,839 |  |  | 59,846 |  |  | 27,519 |  |  | 936,605 |
|  | December 31, 2020 |
|  | Real estate |  | Home equity |  | Construction |  | Other |  | Total |
Current |  | $ | 534,648 |  |  | 156,657 |  |  | 40,525 |  |  | 21,419 |  |  | 753,249 |
30-59 days past due |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |
60-89 days past due |  |  | 332 |  |  | - |  |  | - |  |  | - |  |  | 332 |
Greater than 90 days |  |  | 1,331 |  |  | 300 |  |  | - |  |  | - |  |  | 1,631 |
|  | $ | 536,311 |  |  | 156,957 |  |  | 40,525 |  |  | 21,419 |  |  | 755,212 |
Summary of breakdown of outstanding loans by risk category | The tables below provide a breakdown of outstanding consumer loans by risk category.
|  | December 31, 2021 |
(dollars in thousands) |  | Real estate |  |  | Home equity |  |  | Construction |  |  | Other |  |  | Total |
Pass |  | $ | 684,923 |  |  |  | 148,933 |  |  |  | 59,846 |  |  |  | 27,365 |  |  |  | 921,067 |
Special Mention |  |  | 4,294 |  |  |  | 2,986 |  |  |  | - |  |  |  | 129 |  |  |  | 7,409 |
Substandard |  |  | 5,184 |  |  |  | 2,920 |  |  |  | - |  |  |  | 25 |  |  |  | 8,129 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 694,401 |  |  |  | 154,839 |  |  |  | 59,846 |  |  |  | 27,519 |  |  |  | 936,605 |
|  | December 31, 2020 |
(dollars in thousands) |  | Real estate |  |  | Home equity |  |  | Construction |  |  | Other |  |  | Total |
Pass |  | $ | 530,515 |  |  |  | 152,154 |  |  |  | 40,525 |  |  |  | 21,290 |  |  |  | 744,484 |
Special Mention |  |  | 1,968 |  |  |  | 1,005 |  |  |  | - |  |  |  | 91 |  |  |  | 3,064 |
Substandard |  |  | 3,828 |  |  |  | 3,798 |  |  |  | - |  |  |  | 38 |  |  |  | 7,664 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 536,311 |  |  |  | 156,957 |  |  |  | 40,525 |  |  |  | 21,419 |  |  |  | 755,212 |
Commercial [Member] |
Financing Receivable, Allowance for Credit Loss [Line Items] |
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.
|  | December 31, 2021 |
|  | Owner |  |  | Non-owner |  |  |  |  |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | occupied RE |  |  | occupied RE |  |  | Construction |  |  | Business |  |  | Total |
Current |  | $ | 488,965 |  |  |  | 666,833 |  |  |  | 64,425 |  |  |  | 333,049 |  |  |  | 1,553,272 |
30-59 days past due |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
60-89 days past due |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Greater than 90 days |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 488,965 |  |  |  | 666,833 |  |  |  | 64,425 |  |  |  | 333,049 |  |  |  | 1,553,272 |
|  | December 31, 2020 |
|  | Owner |  |  | Non-owner |  |  |  |  |  |  |  |  |  |  |  |  |
|  | occupied RE |  |  | occupied RE |  |  | Construction |  |  | Business |  |  | Total |
Current |  | $ | 432,711 |  |  |  | 584,565 |  |  |  | 61,467 |  |  |  | 307,261 |  |  |  | 1,386,004 |
30-59 days past due |  |  | 403 |  |  |  | 282 |  |  |  | - |  |  |  | 35 |  |  |  | 720 |
60-89 days past due |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 266 |  |  |  | 266 |
Greater than 90 days |  |  | 206 |  |  |  | 422 |  |  |  | - |  |  |  | 37 |  |  |  | 665 |
|  | $ | 433,320 |  |  |  | 585,269 |  |  |  | 61,467 |  |  |  | 307,599 |  |  |  | 1,387,655 |
Summary of breakdown of outstanding loans by risk category | The tables below provide a breakdown of outstanding commercial loans by risk category.
|  | December 31, 2021 |
|  | Owner |  |  | Non-owner |  |  |  |  |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | occupied RE |  |  | occupied RE |  |  | Construction |  |  | Business |  |  | Total |
Pass |  | $ | 487,422 |  |  |  | 589,280 |  |  |  | 64,425 |  |  |  | 328,371 |  |  |  | 1,469,498 |
Special Mention |  |  | 327 |  |  |  | 48,310 |  |  |  | - |  |  |  | 1,530 |  |  |  | 50,167 |
Substandard |  |  | 1,216 |  |  |  | 29,243 |  |  |  | - |  |  |  | 3,148 |  |  |  | 33,607 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 488,965 |  |  |  | 666,833 |  |  |  | 64,425 |  |  |  | 333,049 |  |  |  | 1,553,272 |
|  | December 31, 2020 |
|  | Owner |  |  | Non-owner |  |  |  |  |  |  |  |  |  |  |  |  |
(dollars in thousands) |  | occupied RE |  |  | occupied RE |  |  | Construction |  |  | Business |  |  | Total |
Pass |  | $ | 430,291 |  |  |  | 576,095 |  |  |  | 61,328 |  |  |  | 301,838 |  |  |  | 1,369,552 |
Special Mention |  |  | 624 |  |  |  | 587 |  |  |  | - |  |  |  | 1,703 |  |  |  | 2,914 |
Substandard |  |  | 2,405 |  |  |  | 8,587 |  |  |  | 139 |  |  |  | 4,058 |  |  |  | 15,189 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
|  | $ | 433,320 |  |  |  | 585,269 |  |  |  | 61,467 |  |  |  | 307,599 |  |  |  | 1,387,655 |

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