XML 33 R24.htm IDEA: XBRL DOCUMENT
v3.23.3

Loans (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2023
Receivables [Abstract] |
Schedule of Loan Portfolio | Schedule of Loan Portfolio
|  | September 30, |  |  | December 31, |
(Dollars in thousands) |  | 2023 |  |  | 2022 |
Commercial |  | $ | 78,252 |  |  | $ | 72,409 |
Real estate: |  |  |  |  |  |  |  |
Construction |  |  | 115,589 |  |  |  | 91,223 |
Mortgage-residential |  |  | 86,240 |  |  |  | 65,759 |
Mortgage-commercial |  |  | 763,538 |  |  |  | 709,218 |
Consumer: |  |  |  |  |  |  |  |
Home equity |  |  | 32,500 |  |  |  | 28,723 |
Other |  |  | 15,526 |  |  |  | 13,525 |
Total loans, net of deferred loan fees and costs |  | $ | 1,091,645 |  |  | $ | 980,857 |
Schedule of loan category and loan by risk categories | The following table presents the Company’s recorded investment in loans by credit quality indicators by year of origination as of September 30, 2023: Schedule of loan category and loan by risk categories
|  | Term Loans by year of Origination |
($ in thousands) |  | 2019 |  |  | 2020 |  |  | 2021 |  |  | 2022 |  |  | 2023 |  |  | Prior |  |  | Revolving |  |  | Revolving Converted to Term |  |  | Total |
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 1,366 |  |  | $ | 1,513 |  |  | $ | 23,836 |  |  | $ | 11,137 |  |  | $ | 9,514 |  |  | $ | 9,549 |  |  | $ | 21,237 |  |  | $ | — |  |  | $ | 78,152 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21 |  |  |  | — |  |  |  | — |  |  |  | 21 |
Substandard |  |  | — |  |  |  | — |  |  |  | 79 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 79 |
Total commercial |  |  | 1,366 |  |  |  | 1,513 |  |  |  | 23,915 |  |  |  | 11,137 |  |  |  | 9,514 |  |  |  | 9,570 |  |  |  | 21,237 |  |  |  | — |  |  |  | 78,252 |
Current period gross write-offs |  |  | — |  |  |  | 20 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 20 |
Real estate construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 6,878 |  |  |  | 1,107 |  |  |  | 10,413 |  |  |  | 47,103 |  |  |  | 30,689 |  |  |  | — |  |  |  | 19,399 |  |  |  | — |  |  |  | 115,589 |
Total real estate construction |  |  | 6,878 |  |  |  | 1,107 |  |  |  | 10,413 |  |  |  | 47,103 |  |  |  | 30,689 |  |  |  | — |  |  |  | 19,399 |  |  |  | — |  |  |  | 115,589 |
Current period gross write-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate mortgage-residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 1,952 |  |  |  | 10,603 |  |  |  | 6,625 |  |  |  | 29,772 |  |  |  | 25,146 |  |  |  | 8,790 |  |  |  | 795 |  |  |  | 2,139 |  |  |  | 85,822 |
Special mention |  |  | — |  |  |  | 26 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 392 |  |  |  | — |  |  |  | — |  |  |  | 418 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total real estate mortgage-residential |  |  | 1,952 |  |  |  | 10,629 |  |  |  | 6,625 |  |  |  | 29,772 |  |  |  | 25,146 |  |  |  | 9,182 |  |  |  | 795 |  |  |  | 2,139 |  |  |  | 86,240 |
Current period gross write-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate mortgage-commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 49,001 |  |  |  | 100,621 |  |  |  | 136,127 |  |  |  | 193,044 |  |  |  | 72,201 |  |  |  | 199,064 |  |  |  | 13,028 |  |  |  | 329 |  |  |  | 763,416 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 21 |  |  |  | — |  |  |  | — |  |  |  | 21 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 101 |  |  |  | — |  |  |  | — |  |  |  | 101 |
Total real estate mortgage-commercial |  |  | 49,001 |  |  |  | 100,621 |  |  |  | 136,127 |  |  |  | 193,044 |  |  |  | 72,201 |  |  |  | 199,186 |  |  |  | 13,028 |  |  |  | 329 |  |  |  | 763,538 |
Current period gross write-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer - home equity |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 31,371 |  |  |  | — |  |  |  | 31,371 |
Special mention |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 70 |  |  |  | — |  |  |  | 70 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,059 |  |  |  | — |  |  |  | 1,059 |
Total consumer - home equity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 32,500 |  |  |  | — |  |  |  | 32,500 |
Current period gross write-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer - other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 435 |  |  |  | 267 |  |  |  | 542 |  |  |  | 1,257 |  |  |  | 1,779 |  |  |  | 907 |  |  |  | 10,322 |  |  |  | — |  |  |  | 15,509 |
Special mention |  |  | — |  |  |  | 10 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7 |  |  |  | — |  |  |  | — |  |  |  | 17 |
Substandard |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total consumer - other |  |  | 435 |  |  |  | 277 |  |  |  | 542 |  |  |  | 1,257 |  |  |  | 1,779 |  |  |  | 914 |  |  |  | 10,322 |  |  |  | — |  |  |  | 15,526 |
Current period gross write-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 50 |  |  |  | — |  |  |  | 50 |
The risk category of loans by class of loans is shown in the table below as of December 31, 2022. As of December 31, 2022, no loans were classified as doubtful.
(Dollars in thousands) |  |  |  |  | Special |  |  |  |  |  |  |  |  |  |
December 31, 2022 |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Commercial |  | $ | 72,333 |  |  | $ | 47 |  |  | $ | 29 |  |  | $ | — |  |  | $ | 72,409 |
Real estate: |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Construction |  |  | 91,223 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 91,223 |
Mortgage – residential |  |  | 65,505 |  |  |  | 220 |  |  |  | 34 |  |  |  | — |  |  |  | 65,759 |
Mortgage – commercial |  |  | 704,357 |  |  |  | 80 |  |  |  | 4,781 |  |  |  | — |  |  |  | 709,218 |
Consumer: |  |  | — |  |  |  | — |  |  |  | — |  |  |  |  |  |  |  |  |
Home Equity |  |  | 27,531 |  |  |  | 117 |  |  |  | 1,075 |  |  |  | — |  |  |  | 28,723 |
Other |  |  | 13,269 |  |  |  | 93 |  |  |  | 163 |  |  |  | — |  |  |  | 13,525 |
Total |  | $ | 974,218 |  |  | $ | 557 |  |  | $ | 6,082 |  |  | $ | — |  |  | $ | 980,857 |
Schedule of Allowance for Credit Losses and Recorded Investment in Loans Receivable | The detailed activity in the allowance for credit losses and the recorded investment in loans receivable for the three and nine months ended September 30, 2023 under CECL methodology: Schedule of Allowance for Credit Losses and Recorded Investment in Loans Receivable
($ in thousands) |  | Commercial |  |  | Real Estate Construction |  |  | Real Estate Mortgage Residential |  |  | Real Estate Mortgage Commercial |  |  | Consumer Home Equity |  |  | Consumer Other |  |  | Total Loans |
Balance at June 30, 2023 |  | $ | 1,012 |  |  | $ | 1,127 |  |  | $ | 861 |  |  | $ | 7,886 |  |  | $ | 438 |  |  | $ | 230 |  |  | $ | 11,554 |
Charge-offs |  |  | (20 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (14 | ) |  |  | (34 | )
Recoveries |  |  | 1 |  |  |  | 1 |  |  |  | 1 |  |  |  | 15 |  |  |  | 13 |  |  |  | 7 |  |  |  | 38 |
Provision for credit losses |  |  | (6 | ) |  |  | 222 |  |  |  | 122 |  |  |  | (82 | ) |  |  | (12 | ) |  |  | 16 |  |  |  | 260 |
Balance at September 30, 2023 |  | $ | 987 |  |  | $ | 1,350 |  |  | $ | 984 |  |  | $ | 7,819 |  |  | $ | 439 |  |  | $ | 239 |  |  | $ | 11,818 |
($ in thousands) |  | Commercial |  |  | Real Estate Construction |  |  | Real Estate Mortgage Residential |  |  | Real Estate Mortgage Commercial |  |  | Consumer Home Equity |  |  | Consumer Other |  |  | Unallocated |  |  | Total Loans |
Balance at December 31, 2022 |  | $ | 849 |  |  | $ | 75 |  |  | $ | 723 |  |  | $ | 8,569 |  |  | $ | 314 |  |  | $ | 170 |  |  | $ | 636 |  |  | $ | 11,336 |
Adjustment to allowance for adoption of ASU 2016-13 |  |  | 193 |  |  |  | 1,075 |  |  |  | 32 |  |  |  | (883 | ) |  |  | 166 |  |  |  | 39 |  |  |  | (636 | ) |  |  | (14 | )
Charge-offs |  |  | (20 | ) |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (50 | ) |  |  | — |  |  |  | (70 | )
Recoveries |  |  | 4 |  |  |  | 2 |  |  |  | 4 |  |  |  | 33 |  |  |  | 19 |  |  |  | 13 |  |  |  | — |  |  |  | 75 |
Provision for credit losses |  |  | (39 | ) |  |  | 198 |  |  |  | 225 |  |  |  | 100 |  |  |  | (60 | ) |  |  | 67 |  |  |  | — |  |  |  | 491 |
Balance at September 30, 2023 |  | $ | 987 |  |  | $ | 1,350 |  |  | $ | 984 |  |  | $ | 7,819 |  |  | $ | 439 |  |  | $ | 239 |  |  |  | — |  |  | $ | 11,818 |
Prior to the adoption of ASC 326 on January 1, 2023, the Company calculated the allowance for loan losses under the incurred loss methodology. The following tables are disclosures related to the allowance in the prior periods.
(Dollars in thousands) |  | Commercial |  |  | Real estate Construction |  |  | Real estate Mortgage Residential |  |  | Real estate Mortgage Commercial |  |  | Consumer Home equity |  |  | Consumer Other |  |  | Unallocated |  |  | Total |
Three months ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance June 30, 2022 |  | $ | 817 |  |  | $ | 84 |  |  | $ | 546 |  |  | $ | 8,639 |  |  | $ | 315 |  |  | $ | 202 |  |  | $ | 617 |  |  | $ | 11,220 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (1 | ) |  |  | (13 | ) |  |  | — |  |  |  | (14 | )
Recoveries |  |  | 5 |  |  |  | — |  |  |  | 4 |  |  |  | 75 |  |  |  | 3 |  |  |  | 4 |  |  |  | — |  |  |  | 91 |
Provisions |  |  | (19 | ) |  |  | (16 | ) |  |  | 57 |  |  |  | (12 | ) |  |  | 4 |  |  |  | (8 | ) |  |  | 12 |  |  |  | 18 |
Ending balance September 30, 2022 |  | $ | 803 |  |  | $ | 68 |  |  | $ | 607 |  |  | $ | 8,702 |  |  | $ | 321 |  |  | $ | 185 |  |  | $ | 629 |  |  | $ | 11,315 |
|  |  |  |  |  |  |  | Real estate |  |  | Real estate |  |  | Consumer |  |  |  |  |  |  |  |  |  |
|  |  |  |  | Real estate |  |  | Mortgage |  |  | Mortgage |  |  | Home |  |  | Consumer |  |  |  |  |  |  |
(Dollars in thousands) |  | Commercial |  |  | Construction |  |  | Residential |  |  | Commercial |  |  | equity |  |  | Other |  |  | Unallocated |  |  | Total |
Nine months ended September 30, 2022 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance December 31, 2021 |  | $ | 853 |  |  | $ | 113 |  |  | $ | 560 |  |  | $ | 8,570 |  |  | $ | 333 |  |  | $ | 126 |  |  | $ | 624 |  |  | $ | 11,179 |
Charge-offs |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (1 | ) |  |  | (46 | ) |  |  | — |  |  |  | (47 | )
Recoveries |  |  | 16 |  |  |  | — |  |  |  | 5 |  |  |  | 318 |  |  |  | 10 |  |  |  | 11 |  |  |  | — |  |  |  | 360 |
Provisions |  |  | (66 | ) |  |  | (45 | ) |  |  | 42 |  |  |  | (186 | ) |  |  | (21 | ) |  |  | 94 |  |  |  | 5 |  |  |  | (177 | )
Ending balance September 30, 2022 |  | $ | 803 |  |  | $ | 68 |  |  | $ | 607 |  |  | $ | 8,702 |  |  | $ | 321 |  |  | $ | 185 |  |  | $ | 629 |  |  | $ | 11,315 |
Schedule of Average Recorded Investment and Interest Income Recognized | The following table presents information related to the average recorded investment and interest income recognized on impaired loans, excluding PCI loans, for the three and nine months ended September 30, 2022. Schedule of Average Recorded Investment and Interest Income Recognized
|  | Nine months ended |  |  | Three months ended |
|  | Average |  |  | Interest |  |  | Average |  |  | Interest |
(Dollars in thousands) |  | Recorded |  |  | Income |  |  | Recorded |  |  | Income |
September 30, 2022 |  | Investment |  |  | Recognized |  |  | Investment |  |  | Recognized |
With no allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage-residential |  |  | 45 |  |  |  | 2 |  |  |  | 39 |  |  |  | 1 |
Mortgage-commercial |  |  | 4,795 |  |  |  | 347 |  |  |  | 4,747 |  |  |  | 117 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | 169 |  |  |  | 6 |  |  |  | 168 |  |  |  | 2 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage-residential |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage-commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial, financial, agricultural |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Mortgage-residential |  |  | 45 |  |  |  | 2 |  |  |  | 39 |  |  |  | 1 |
Mortgage-commercial |  |  | 4,795 |  |  |  | 347 |  |  |  | 4,747 |  |  |  | 117 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | 169 |  |  |  | 6 |  |  |  | 168 |  |  |  | 2 |
Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
|  | $ | 5,009 |  |  | $ | 355 |  |  | $ | 4,954 |  |  | $ | 120 |
The following table presents loans individually evaluated for impairment by class of loans, excluding PCI loans, as of December 31, 2022.
|  |  |  |  | Unpaid |  |  |  |
(Dollars in thousands) |  | Recorded |  |  | Principal |  |  | Related |
December 31, 2022 |  | Investment |  |  | Balance |  |  | Allowance |
With no allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 29 |  |  | $ | 29 |  |  | $ | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | — |  |  |  | — |  |  |  | — |
Mortgage-residential |  |  | 34 |  |  |  | 51 |  |  |  | — |
Mortgage-commercial |  |  | 4,752 |  |  |  | 5,260 |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | 168 |  |  |  | 168 |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | — |  |  |  | — |  |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | — |  |  |  | — |  |  |  | — |
Mortgage-residential |  |  | — |  |  |  | — |  |  |  | — |
Mortgage-commercial |  |  | — |  |  |  | — |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | — |  |  |  | — |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |
Total: |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 29 |  |  |  | 29 |  |  |  | — |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | — |  |  |  | — |  |  |  | — |
Mortgage-residential |  |  | 34 |  |  |  | 51 |  |  |  | — |
Mortgage-commercial |  |  | 4,752 |  |  |  | 5,260 |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Home Equity |  |  | 168 |  |  |  | 168 |  |  |  | — |
Other |  |  | — |  |  |  | — |  |  |  | — |
|  | $ | 4,983 |  |  | $ | 5,508 |  |  | $ | — |
Schedule of Amortized Cost of Loans, by Loan Category, Modified for Borrowers with Financial Difficulty |
Schedule of Loan Category and Aging Analysis of Loans | The following tables present an aging analysis of past due loans segregated by loan category as of September 30, 2023 and December 31, 2022. Schedule of Loan Category and Aging Analysis of Loans
|  |  |  |  |  |  |  | Greater than |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | 30-59 Days |  |  | 60-89 Days |  |  | 90 Days and |  |  |  |  |  | Total |  |  |  |  |  |  |
September 30, 2023 |  | Past Due |  |  | Past Due |  |  | Accruing |  |  | Non-accrual |  |  | Past Due |  |  | Current |  |  | Total Loans |
Commercial |  | $ | 69 |  |  | $ | — |  |  | $ | — |  |  | $ | 24 |  |  | $ | 93 |  |  | $ | 78,159 |  |  | $ | 78,252 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 115,589 |  |  |  | 115,589 |
Mortgage-residential |  |  | 56 |  |  |  | 215 |  |  |  | — |  |  |  | 34 |  |  |  | 305 |  |  |  | 85,935 |  |  |  | 86,240 |
Mortgage-commercial |  |  | — |  |  |  | 180 |  |  |  | — |  |  |  | — |  |  |  | 180 |  |  |  | 763,358 |  |  |  | 763,538 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | 81 |  |  |  | 2 |  |  |  | — |  |  |  | 3 |  |  |  | 86 |  |  |  | 32,414 |  |  |  | 32,500 |
Other |  |  | 11 |  |  |  | — |  |  |  | 3 |  |  |  | — |  |  |  | 14 |  |  |  | 15,512 |  |  |  | 15,526 |
Total |  | $ | 217 |  |  | $ | 397 |  |  | $ | 3 |  |  | $ | 61 |  |  | $ | 678 |  |  | $ | 1,090,967 |  |  | $ | 1,091,645 |
|  |  |  |  |  |  |  | Greater than |  |  |  |  |  |  |  |  |  |  |  |  |
(Dollars in thousands) |  | 30-59 Days |  |  | 60-89 Days |  |  | 90 Days and |  |  |  |  |  | Total |  |  |  |  |  |  |
December 31, 2022 |  | Past Due |  |  | Past Due |  |  | Accruing |  |  | Non-accrual |  |  | Past Due |  |  | Current |  |  | Total Loans |
Commercial |  | $ | 87 |  |  | $ | — |  |  | $ | — |  |  | $ | 29 |  |  | $ | 116 |  |  | $ | 72,293 |  |  | $ | 72,409 |
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 91,223 |  |  |  | 91,223 |
Mortgage-residential |  |  | 327 |  |  |  | — |  |  |  | — |  |  |  | 34 |  |  |  | 361 |  |  |  | 65,398 |  |  |  | 65,759 |
Mortgage-commercial |  |  | 46 |  |  |  | 8 |  |  |  | — |  |  |  | 4,664 |  |  |  | 4,718 |  |  |  | 704,500 |  |  |  | 709,218 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 168 |  |  |  | 168 |  |  |  | 28,555 |  |  |  | 28,723 |
Other |  |  | 96 |  |  |  | — |  |  |  | 2 |  |  |  | — |  |  |  | 98 |  |  |  | 13,427 |  |  |  | 13,525 |
Total |  | $ | 556 |  |  | $ | 8 |  |  | $ | 2 |  |  | $ | 4,895 |  |  | $ | 5,461 |  |  | $ | 975,396 |  |  | $ | 980,857 |
Schedule of Nonaccrual Loans | The following table is a summary of the Company’s non-accrual loans by major categories for the periods indicated. Schedule of Nonaccrual Loans
|  | CECL |  |  | Incurred Loss |
|  | September 30, 2023 |  |  | December 31, 2022 |
(Dollars in thousands) |  | Non-accrual Loans with No Allowance |  |  | Non-accrual Loans with an Allowance |  |  | Total Non-accrual Loans |  |  | Non-accrual Loans |
Commercial |  | $ | 24 |  |  | $ | — |  |  | $ | 24 |  |  | $ | 29 |
Real Estate Construction |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Real Estate Mortgage Residential |  |  | 34 |  |  |  | — |  |  |  | 34 |  |  |  | 34 |
Real Estate Mortgage Commercial |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,664 |
Consumer Home Equity |  |  | 3 |  |  |  | — |  |  |  | 3 |  |  |  | 168 |
Consumer Other |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Total Loans |  | $ | 61 |  |  | $ | — |  |  | $ | 61 |  |  | $ | 4,895 |

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