XML 38 R28.htm IDEA: XBRL DOCUMENT
v3.23.3

Loans (Tables) | 9 Months Ended
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Sep. 30, 2023
Receivables [Abstract] |
Schedule of Composition of Loan Portfolio | The following table shows the composition of the Company's loan portfolio by class of financing receivable as of September 30, 2023 and 2022 and at December 31, 2022:
| September 30, 2023 |  | December 31, 2022 |  | September 30, 2022 |
Commercial |  |  |  |  |  |  |  |  |
Real estate owner occupied | $ | 299,943,000 |  | 14.4 |  | % | $ | 256,623,000 |  | 13.4 |  | % | $ | 251,410,000 |  | 13.6 |  | %
Real estate non-owner occupied | 397,024,000 |  | 19.1 |  | % | 363,660,000 |  | 19.0 |  | % | 315,514,000 |  | 17.0 |  | %
Construction | 72,424,000 |  | 3.5 |  | % | 93,907,000 |  | 4.9 |  | % | 129,036,000 |  | 6.9 |  | %
C&I | 350,596,000 |  | 16.9 |  | % | 319,359,000 |  | 16.7 |  | % | 310,110,000 |  | 16.7 |  | %
Multifamily | 91,041,000 |  | 4.4 |  | % | 79,057,000 |  | 4.1 |  | % | 71,784,000 |  | 3.9 |  | %
Municipal | 58,447,000 |  | 2.8 |  | % | 40,619,000 |  | 2.1 |  | % | 48,702,000 |  | 2.6 |  | %
Residential |  |  |  |  |  |  |  |  |
Term | 660,049,000 |  | 31.7 |  | % | 597,404,000 |  | 31.2 |  | % | 581,066,000 |  | 31.3 |  | %
Construction | 28,986,000 |  | 1.4 |  | % | 49,907,000 |  | 2.6 |  | % | 41,631,000 |  | 2.2 |  | %
Home Equity |  |  |  |  |  |  |  |  |
Revolving and term | 101,980,000 |  | 4.9 |  | % | 93,075,000 |  | 4.9 |  | % | 87,903,000 |  | 4.7 |  | %
Consumer | 19,370,000 |  | 0.9 |  | % | 21,063,000 |  | 1.1 |  | % | 20,819,000 |  | 1.1 |  | %
Total | $ | 2,079,860,000 |  | 100.0 |  | % | $ | 1,914,674,000 |  | 100.0 |  | % | $ | 1,857,975,000 |  | 100.0 |  | %
Schedule of Past Due Loans Aging | For all loan classes, loans over 30 days past due are considered delinquent. Information on the past-due status of loans by class of financing receivable as of September 30, 2023, is presented in the following table:
| 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due | All Past Due | Current | Total | 90+ Days & Accruing
Commercial |  |  |  |  |  |  |
Real estate owner occupied | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | 299,943,000 |  | $ | 299,943,000 |  | $ | — |
Real estate non-owner occupied | — |  | — |  | — |  | — |  | 397,024,000 |  | 397,024,000 |  | — |
Construction | — |  | 7,000 |  | 8,000 |  | 15,000 |  | 72,409,000 |  | 72,424,000 |  | — |
C&I | 349,000 |  | 100,000 |  | 221,000 |  | 670,000 |  | 349,926,000 |  | 350,596,000 |  | — |
Multifamily | — |  | — |  | — |  | — |  | 91,041,000 |  | 91,041,000 |  | — |
Municipal | — |  | — |  | — |  | — |  | 58,447,000 |  | 58,447,000 |  | — |
Residential |  |  |  |  |  |  |
Term | 39,000 |  | 106,000 |  | 578,000 |  | 723,000 |  | 659,326,000 |  | 660,049,000 |  | — |
Construction | — |  | 62,000 |  | — |  | 62,000 |  | 28,924,000 |  | 28,986,000 |  | — |
Home equity |  |  |  |  |  |  |
Revolving and term | 79,000 |  | — |  | 179,000 |  | 258,000 |  | 101,722,000 |  | 101,980,000 |  | — |
Consumer | 210,000 |  | 39,000 |  | 11,000 |  | 260,000 |  | 19,110,000 |  | 19,370,000 |  | 11,000 |
Total | $ | 677,000 |  | $ | 314,000 |  | $ | 997,000 |  | $ | 1,988,000 |  | $ | 2,077,872,000 |  | $ | 2,079,860,000 |  | $ | 11,000 |
Information on the past-due status of loans by class of financing receivable as of December 31, 2022, is presented in the following table:
| 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due | All Past Due | Current | Total | 90+ Days & Accruing
Commercial |  |  |  |  |  |  |
Real estate | $ | — |  | $ | 3,000 |  | $ | 190,000 |  | $ | 193,000 |  | $ | 699,147,000 |  | $ | 699,340,000 |  | $ | — |
Construction | — |  | — |  | — |  | — |  | 93,907,000 |  | 93,907,000 |  | — |
Other | 118,000 |  | 23,000 |  | 85,000 |  | 226,000 |  | 319,133,000 |  | 319,359,000 |  | 34,000 |
Municipal | — |  | — |  | — |  | — |  | 40,619,000 |  | 40,619,000 |  | — |
Residential |  |  |  |  |  |  |
Term | 135,000 |  | 33,000 |  | 284,000 |  | 452,000 |  | 596,952,000 |  | 597,404,000 |  | 118,000 |
Construction | — |  | — |  | — |  | — |  | 49,907,000 |  | 49,907,000 |  | — |
Home equity line of credit | 241,000 |  | 29,000 |  | 151,000 |  | 421,000 |  | 92,654,000 |  | 93,075,000 |  | 86,000 |
Consumer | 131,000 |  | 33,000 |  | 3,000 |  | 167,000 |  | 20,896,000 |  | 21,063,000 |  | 3,000 |
Total | $ | 625,000 |  | $ | 121,000 |  | $ | 713,000 |  | $ | 1,459,000 |  | $ | 1,913,215,000 |  | $ | 1,914,674,000 |  | $ | 241,000 |
Information on the past-due status of loans by class of financing receivable as of September 30, 2022, is presented in the following table:
| 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due | All Past Due | Current | Total | 90+ Days & Accruing
Commercial |  |  |  |  |  |  |
Real estate | $ | — |  | $ | 4,000 |  | $ | 191,000 |  | $ | 195,000 |  | $ | 638,513,000 |  | $ | 638,708,000 |  | $ | — |
Construction | — |  | — |  | — |  | — |  | 129,036,000 |  | 129,036,000 |  | — |
Other | 172,000 |  | 16,000 |  | 83,000 |  | 271,000 |  | 309,839,000 |  | 310,110,000 |  | — |
Municipal | — |  | — |  | — |  | — |  | 48,702,000 |  | 48,702,000 |  | — |
Residential |  |  |  |  |  |  |
Term | 79,000 |  | 77,000 |  | 166,000 |  | 322,000 |  | 580,744,000 |  | 581,066,000 |  | — |
Construction | — |  | — |  | — |  | — |  | 41,631,000 |  | 41,631,000 |  | — |
Home equity line of credit | 473,000 |  | 29,000 |  | — |  | 502,000 |  | 87,401,000 |  | 87,903,000 |  | — |
Consumer | 143,000 |  | 28,000 |  | — |  | 171,000 |  | 20,648,000 |  | 20,819,000 |  | — |
Total | $ | 867,000 |  | $ | 154,000 |  | $ | 440,000 |  | $ | 1,461,000 |  | $ | 1,856,514,000 |  | $ | 1,857,975,000 |  | $ | — |
Schedule of Nonaccrual Loans | The following table presents the amortized costs basis of loans on nonaccrual status as of September 30, 2023, December 31, 2022 and September 30, 2022:
| September 30, 2023 | December 31, 2022 | September 30, 2022
| Nonaccrual with Allowance for Credit Loss | Nonaccrual with no Allowance for Credit Loss | Total Nonaccrual | Total Nonaccrual | Total Nonaccrual
Commercial |  |  |  |  |
Real estate owner occupied | $ | — |  | $ | — |  | $ | — |  | $ | 193,000 |  | $ | 195,000 |
Real estate non-owner occupied | — |  | — |  | — |  | — |  | — |
Construction | — |  | 29,000 |  | 29,000 |  | 23,000 |  | 25,000 |
C&I | 363,000 |  | 351,000 |  | 714,000 |  | 663,000 |  | 756,000 |
Multifamily | — |  | — |  | — |  | — |  | — |
Municipal | — |  | — |  | — |  | — |  | — |
Residential |  |  |  |  |
Term | 304,000 |  | 1,016,000 |  | 1,320,000 |  | 572,000 |  | 637,000 |
Construction | — |  | — |  | — |  | — |  | — |
Home equity |  |  |  |  |
Revolving and term | — |  | 490,000 |  | 490,000 |  | 304,000 |  | 247,000 |
Consumer | — |  | — |  | — |  | — |  | — |
Total | $ | 667,000 |  | $ | 1,886,000 |  | $ | 2,553,000 |  | $ | 1,755,000 |  | $ | 1,860,000 |
Schedule of Individually Analyzed Loans by Class of Financing Receivable | The following table presents the amortized cost basis of collateral-dependent loans as of September 30, 2023 by collateral type:
| Collateral Type |
| Commercial Real Estate | Residential Real Estate |  | Total
Commercial |  |  |  |
Real estate owner occupied | $ | — |  | $ | — |  |  | $ | — |
Real estate non-owner occupied | — | — |  | —
Construction | — | — |  | —
C&I | — | — |  | —
Multifamily | — | — |  | —
Municipal | — | — |  | —
Residential |  |  |  |
Term | — | 687,000 |  | 687,000
Construction | — | — |  | —
Home Equity |  |  |  |
Revolving and term | — | — |  | —
Consumer | — | — |  | —
Total | $ | — |  | $ | 687,000 |  |  | $ | 687,000 |
A breakdown of individually analyzed loans by class of financing receivable as of and for the period ended September 30, 2023 is presented in the following table:
|  |  |  | For the nine months ended September 30, 2023 | For the quarter ended September 30, 2023
| Recorded Investment | Unpaid Principal Balance | Related Allowance | Average Recorded Investment | Recognized Interest Income | Average Recorded Investment | Recognized Interest Income
With No Related Allowance
Commercial |  |  |  |  |  |  |
Real estate owner occupied | $ | — |  | $ | — |  | $ | — |  | $ | 143,000 |  | $ | — |  | $ | — |  | $ | — |
Real estate non-owner occupied | — |  | — |  | — |  | 537,000 |  | — |  | — |  | (12,000) |
Construction | — |  | — |  | — |  | 157,000 |  | — |  | — |  | — |
C&I | — |  | — |  | — |  | 72,000 |  | — |  | — |  | — |
Multifamily | — |  | — |  | — |  | — |  | — |  | — |  | — |
Municipal | — |  | — |  | — |  | — |  | — |  | — |  | — |
Residential |  |  |  |  |  |  |
Term | 384,000 |  | 411,000 |  | — |  | 977,000 |  | 15,000 |  | 384,000 |  | 8,000 |
Construction | — |  | — |  | — |  | — |  | — |  | — |  | — |
Home Equity |  |  |  |  |  |  |
Revolving and term | — |  | — |  | — |  | 238,000 |  | — |  | — |  | — |
Consumer | — |  | — |  | — |  | — |  | — |  | — |  | — |
| $ | 384,000 |  | $ | 411,000 |  | $ | — |  | $ | 2,124,000 |  | $ | 15,000 |  | $ | 384,000 |  | $ | (4,000) |
With an Allowance Recorded
Commercial |  |  |  |  |  |  |
Real estate owner occupied | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | — |
Real estate non-owner occupied | — |  | — |  | — |  | — |  | — |  | — |  | — |
Construction | — |  | — |  | — |  | — |  | — |  | — |  | — |
C&I | 363,000 |  | 456,000 |  | 225,000 |  | 502,000 |  | — |  | 366,000 |  | — |
Multifamily | — |  | — |  | — |  | — |  | — |  | — |  | — |
Municipal | — |  | — |  | — |  | — |  | — |  | — |  | — |
Residential |  |  |  |  |  |  |
Term | 566,000 |  | 573,000 |  | 41,000 |  | 878,000 |  | 10,000 |  | 697,000 |  | (2,000) |
Construction | — |  | — |  | — |  | — |  | — |  | — |  | — |
Home Equity |  |  |  |  |  |  |
Revolving and term | — |  | — |  | — |  | 9,000 |  | — |  | — |  | — |
Consumer | — |  | — |  | — |  | — |  | — |  | — |  | — |
| $ | 929,000 |  | $ | 1,029,000 |  | $ | 266,000 |  | $ | 1,389,000 |  | $ | 10,000 |  | $ | 1,063,000 |  | $ | (2,000) |
Total
Commercial |  |  |  |  |  |  |
Real estate owner occupied | $ | — |  | $ | — |  | $ | — |  | $ | 143,000 |  | $ | — |  | $ | — |  | $ | — |
Real estate non-owner occupied | — |  | — |  | — |  | 537,000 |  | — |  | — |  | (12,000) |
Construction | — |  | — |  | — |  | 157,000 |  | — |  | $ | — |  | — |
C&I | 363,000 |  | 456,000 |  | 225,000 |  | 574,000 |  | — |  | 366,000 |  | — |
Multifamily | — |  | — |  | — |  | — |  | — |  | — |  | — |
Municipal | — |  | — |  | — |  | — |  | — |  | — |  | — |
Residential |  |  |  |  |  |  |
Term | 950,000 |  | 984,000 |  | 41,000 |  | 1,855,000 |  | 25,000 |  | 1,081,000 |  | 6,000 |
Construction | — |  | — |  | — |  | — |  | — |  | — |  | — |
Home Equity |  |  |  |  |  |  |
Revolving and term | — |  | — |  | — |  | 247,000 |  | — |  | — |  | — |
Consumer | — |  | — |  | — |  | — |  | — |  | — |  | — |
| $ | 1,313,000 |  | $ | 1,440,000 |  | $ | 266,000 |  | $ | 3,513,000 |  | $ | 25,000 |  | $ | 1,447,000 |  | $ | (6,000) |
A breakdown of individually analyzed loans by class of financing receivable as of and for the year ended December 31, 2022 is presented in the following table:
| Recorded Investment | Unpaid Principal Balance | Related Allowance | Average Recorded Investment | Recognized Interest Income
With No Related Allowance
Commercial |  |  |  |  |
Real estate | $ | 1,236,000 |  | $ | 1,532,000 |  | $ | — |  | $ | 1,440,000 |  | $ | 50,000 |
Construction | 685,000 |  | 687,000 |  | — |  | 81,000 |  | 35,000 |
Other | 301,000 |  | 348,000 |  | — |  | 408,000 |  | 13,000 |
Municipal | — |  | — |  | — |  | — |  | — |
Residential |  |  |  |  |
Term | 1,833,000 |  | 2,035,000 |  | — |  | 4,507,000 |  | 56,000 |
Construction | — |  | — |  | — |  | — |  | — |
Home equity line of credit | 304,000 |  | 340,000 |  | — |  | 295,000 |  | — |
Consumer | — |  | — |  | — |  | 1,000 |  | — |
| $ | 4,359,000 |  | $ | 4,942,000 |  | $ | — |  | $ | 6,732,000 |  | $ | 154,000 |
With an Allowance Recorded
Commercial |  |  |  |  |
Real estate | $ | — |  | $ | — |  | $ | — |  | $ | 11,000 |  | $ | — |
Construction | — |  | — |  | — |  | 606,000 |  | — |
Other | 545,000 |  | 647,000 |  | 298,000 |  | 693,000 |  | — |
Municipal | — |  | — |  | — |  | — |  | — |
Residential |  |  |  |  |
Term | 1,256,000 |  | 1,259,000 |  | 100,000 |  | 1,486,000 |  | 50,000 |
Construction | — |  | — |  | — |  | — |  | — |
Home equity line of credit | — |  | — |  | — |  | 8,000 |  | — |
Consumer | — |  | — |  | — |  | — |  | — |
| $ | 1,801,000 |  | $ | 1,906,000 |  | $ | 398,000 |  | $ | 2,804,000 |  | $ | 50,000 |
Total
Commercial |  |  |  |  |
Real estate | $ | 1,236,000 |  | $ | 1,532,000 |  | $ | — |  | $ | 1,451,000 |  | $ | 50,000 |
Construction | 685,000 |  | 687,000 |  | — |  | 687,000 |  | 35,000 |
Other | 846,000 |  | 995,000 |  | 298,000 |  | 1,101,000 |  | 13,000 |
Municipal | — |  | — |  | — |  | — |  | — |
Residential |  |  |  |  |
Term | 3,089,000 |  | 3,294,000 |  | 100,000 |  | 5,993,000 |  | 106,000 |
Construction | — |  | — |  | — |  | — |  | — |
Home equity line of credit | 304,000 |  | 340,000 |  | — |  | 303,000 |  | — |
Consumer | — |  | — |  | — |  | 1,000 |  | — |
| $ | 6,160,000 |  | $ | 6,848,000 |  | $ | 398,000 |  | $ | 9,536,000 |  | $ | 204,000 |
A breakdown of individually analyzed loans by class of financing receivable as of and for the period ended September 30, 2022 is presented in the following table:
|  |  |  | For the nine months ended September 30, 2022 | For the quarter ended September 30, 2022
| Recorded Investment | Unpaid Principal Balance | Related Allowance | Average Recorded Investment | Recognized Interest Income | Average Recorded Investment | Recognized Interest Income
With No Related Allowance
Commercial |  |  |  |  |  |  |
Real estate | $ | 1,295,000 |  | $ | 1,607,000 |  | $ | — |  | $ | 1,497,000 |  | $ | 42,000 |  | $ | 1,314,000 |  | $ | 14,000 |
Construction | 25,000 |  | 27,000 |  | — |  | 26,000 |  | — |  | 25,000 |  | — |
Other | 399,000 |  | 459,000 |  | — |  | 432,000 |  | 10,000 |  | 405,000 |  | 2,000 |
Municipal | — |  | — |  | — |  | — |  | — |  | — |  | — |
Residential |  |  |  |  |  |  |
Term | 1,912,000 |  | 2,139,000 |  | — |  | 5,380,000 |  | 40,000 |  | 4,666,000 |  | (9,000) |
Construction | — |  | — |  | — |  | — |  | — |  | — |  | — |
Home equity line of credit | 247,000 |  | 279,000 |  | — |  | 299,000 |  | — |  | 249,000 |  | — |
Consumer | — |  | — |  | — |  | 1,000 |  | — |  | — |  | — |
| $ | 3,878,000 |  | $ | 4,511,000 |  | $ | — |  | $ | 7,635,000 |  | $ | 92,000 |  | $ | 6,659,000 |  | $ | 7,000 |
With an Allowance Recorded
Commercial |  |  |  |  |  |  |
Real estate | $ | — |  | $ | — |  | $ | — |  | $ | 14,000 |  | $ | — |  | $ | — |  | $ | — |
Construction | 661,000 |  | 661,000 |  | 6,000 |  | 661,000 |  | 27,000 |  | 661,000 |  | 16,000 |
Other | 552,000 |  | 647,000 |  | 315,000 |  | 745,000 |  | — |  | 679,000 |  | — |
Municipal | — |  | — |  | — |  | — |  | — |  | — |  | — |
Residential |  |  |  |  |  |  |
Term | 1,264,000 |  | 1,267,000 |  | 99,000 |  | 1,562,000 |  | 34,000 |  | 1,384,000 |  | 9,000 |
Construction | — |  | — |  | — |  | — |  | — |  | — |  | — |
Home equity line of credit | — |  | — |  | — |  | 11,000 |  | — |  | — |  | — |
Consumer | — |  | — |  | — |  | — |  | — |  | — |  | — |
| $ | 2,477,000 |  | $ | 2,575,000 |  | $ | 420,000 |  | $ | 2,993,000 |  | $ | 61,000 |  | $ | 2,724,000 |  | $ | 25,000 |
Total
Commercial |  |  |  |  |  |  |
Real estate | $ | 1,295,000 |  | $ | 1,607,000 |  | $ | — |  | $ | 1,511,000 |  | $ | 42,000 |  | $ | 1,314,000 |  | $ | 14,000 |
Construction | 686,000 |  | 688,000 |  | 6,000 |  | 687,000 |  | 27,000 |  | 686,000 |  | 16,000 |
Other | 951,000 |  | 1,106,000 |  | 315,000 |  | 1,177,000 |  | 10,000 |  | 1,084,000 |  | 2,000 |
Municipal | — |  | — |  | — |  | — |  | — |  | — |  | — |
Residential |  |  |  |  |  |  |
Term | 3,176,000 |  | 3,406,000 |  | 99,000 |  | 6,942,000 |  | 74,000 |  | 6,050,000 |  | — |
Construction | — |  | — |  | — |  | — |  | — |  | — |  | — |
Home equity line of credit | 247,000 |  | 279,000 |  | — |  | 310,000 |  | — |  | 249,000 |  | — |
Consumer | — |  | — |  | — |  | 1,000 |  | — |  | — |  | — |
| $ | 6,355,000 |  | $ | 7,086,000 |  | $ | 420,000 |  | $ | 10,628,000 |  | $ | 153,000 |  | $ | 9,383,000 |  | $ | 32,000 |
Schedule of Troubled Debt Restructurings on Financing Receivables | The following table represents loan modifications made to borrowers experiencing financial difficulty by modification type and class of financing receivable, during the three months ended September 30, 2023:
| Payment Deferral
| Amortized Cost Basis at September 30, 2023 | % of Total Class of Financing Receivable
Commercial |  |
Real estate owner occupied | $ | 504,000 |  | 0.17 | %
C&I | 19,000 |  | 0.01 | %
| $ | 523,000 |  | 0.03 | %
The following table describes the financial effect of the modifications made to borrowers experiencing financial difficulty for the three months ended September 30, 2023:
| Payment Deferral
| Financial Effect
Commercial |
Real estate owner occupied | Temporary payment accommodation, payments deferred to end of loan.
C&I | Temporary payment accommodation, payments deferred to end of loan.
The Company monitors the performance of the loans that are modified to borrowers experiencing financial difficulty to understand the effectiveness of its modification efforts. The following table depicts the performance of loans that have been modified during the nine months ended September 30, 2023:
| Payment Status (Amortized Cost Basis)
| Current | 30-59 Days Past Due | 60-89 Days Past Due | 90+ Days Past Due
Commercial |  |  |  |
Real estate owner occupied | $ | 503,000 |  | $ | — |  | $ | — |  | $ | — |
C&I | 220,000 |  | 40,000 |  | — |  | — |
Total | $ | 723,000 |  | $ | 40,000 |  | $ | — |  | $ | — |
The following table shows TDRs by class and the specific reserve as of December 31, 2022:
| Number of Loans |  | Balance |  | Specific Reserves
Commercial |  |  |  |  |
Real estate | 5 |  |  | $ | 1,044,000 |  |  | $ | — |
Construction | 1 |  |  | 661,000 |  |  | — |
Other | 3 |  |  | 361,000 |  |  | 81,000 |
Municipal | — |  |  | — |  |  | — |
Residential |  |  |  |  |
Term | 20 |  |  | 2,678,000 |  |  | 100,000 |
Construction | — |  |  | — |  |  | — |
Home equity line of credit | — |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |
| 29 |  |  | $ | 4,744,000 |  |  | $ | 181,000 |
As of December 31, 2022, one of the loans classified as TDR with a total balance of $97,000 was more than 30 days past due and was not placed on TDR status in the previous 12 months. The following table shows past-due TDRs by class and the associated specific reserves included in the allowance for loan losses as of December 31, 2022:
| Number of Loans |  | Balance |  | Specific Reserves
Commercial |  |  |  |  |
Real estate | — |  |  | $ | — |  |  | $ | — |
Construction | — |  |  | — |  |  | — |
Other | 1 |  |  | 97,000 |  |  | — |
Municipal | — |  |  | — |  |  | — |
Residential |  |  |  |  |
Term | — |  |  | — |  |  | — |
Construction | — |  |  | — |  |  | — |
Home equity line of credit | — |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |
| 1 |  |  | $ | 97,000 |  |  | $ | — |
For the year ended December 31, 2022, one loan was placed on TDR status. The following table shows this TDR by class and the associated specific reserves included in the allowance for loan losses as of December 31, 2022:
| Number of Loans |  | Pre-Modification Outstanding Recorded Investment |  | Post-Modification Outstanding Recorded Investment |  | Specific Reserves
Commercial |  |  |  |  |  |  |
Real estate | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Construction | — |  |  | — |  |  | — |  |  | — |
Other | — |  |  | — |  |  | — |  |  | — |
Municipal | — |  |  | — |  |  | — |  |  | — |
Residential |  |  |  |  |  |  |
Term | 1 |  |  | 38,000 |  |  | 38,000 |  |  | — |
Construction | — |  |  | — |  |  | — |  |  | — |
Home equity line of credit | — |  |  | — |  |  | — |  |  | — |
Consumer | — |  |  | — |  |  | — |  |  | — |
| 1 |  |  | $ | 38,000 |  |  | $ | 38,000 |  |  | $ | — |

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