XML 38 R28.htm IDEA: XBRL DOCUMENT
v3.21.2

Loans (Tables) | 9 Months Ended
--- | ---
Sep. 30, 2021
Receivables [Abstract] |
Schedule of Accounts, Notes, Loans and Financing Receivable | Loan balances as of September 30, 2021 and December 31, 2020 are summarized in the table below. Categories of loans include:
(in thousands) |  | September 30, 2021 |  | December 31, 2020
Commercial loans |  |  |  |
Commercial and industrial |  | $ | 107,142 |  |  | $ | 75,387 |
Owner-occupied commercial real estate |  | 84,819 |  |  | 89,785 |
Investor commercial real estate |  | 28,505 |  |  | 13,902 |
Construction |  | 115,414 |  |  | 110,385 |
Single tenant lease financing |  | 921,998 |  |  | 950,172 |
Public finance |  | 601,738 |  |  | 622,257 |
Healthcare finance |  | 417,388 |  |  | 528,154 |
Small business lending |  | 102,889 |  |  | 125,589 |
Franchise finance |  | 25,598 |  |  | — |
Total commercial loans |  | 2,405,491 |  |  | 2,515,631 |
Consumer loans |  |  |  |
Residential mortgage |  | 188,750 |  |  | 186,787 |
Home equity |  | 17,960 |  |  | 19,857 |
Other consumer |  | 268,396 |  |  | 275,692 |
Total consumer loans |  | 475,106 |  |  | 482,336 |
Total commercial and consumer loans |  | 2,880,597 |  |  | 2,997,967 |
Net deferred loan origination fees/costs and premiums/discounts on purchased loans and other(1) |  | 55,551 |  |  | 61,264 |
Total loans |  | 2,936,148 |  |  | 3,059,231 |
Allowance for loan losses |  | (28,000) |  |  | (29,484) |
Net loans |  | $ | 2,908,148 |  |  | $ | 3,029,747 |
(1) Includes carrying value adjustments of $38.9 million and $42.7 million related to terminated interest rate swaps associated with public finance loans as of September 30, 2021 and December 31, 2020, respectively.
Allowance for Credit Losses on Financing Receivables | The following tables present changes in the balance of the ALLL during the three and nine months ended September 30, 2021 and 2020.
(in thousands) | Three Months Ended September 30, 2021
Allowance for loan losses: | Balance, Beginning of Period |  | (Credit) Provision Charged to Expense |  | Losses Charged Off |  | Recoveries |  | Balance, End of Period
Commercial and industrial | $ | 1,902 |  |  | $ | 122 |  |  | $ | — |  |  | $ | 2 |  |  | $ | 2,026 |
Owner-occupied commercial real estate | 1,021 |  |  | (28) |  |  | — |  |  | — |  |  | 993 |
Investor commercial real estate | 329 |  |  | (4) |  |  | — |  |  | — |  |  | 325 |
Construction | 1,357 |  |  | (30) |  |  | — |  |  | — |  |  | 1,327 |
Single tenant lease financing | 11,205 |  |  | (152) |  |  | — |  |  | — |  |  | 11,053 |
Public finance | 1,700 |  |  | 32 |  |  | — |  |  | — |  |  | 1,732 |
Healthcare finance | 6,938 |  |  | (584) |  |  | — |  |  | — |  |  | 6,354 |
Small business lending | 783 |  |  | 415 |  |  | (10) |  |  | 26 |  |  | 1,214 |
Franchise finance | — |  |  | 310 |  |  | — |  |  |  |  | 310 |
Residential mortgage | 594 |  |  | 19 |  |  | — |  |  | 3 |  |  | 616 |
Home equity | 63 |  |  | — |  |  | — |  |  | 2 |  |  | 65 |
Other consumer | 2,174 |  |  | (129) |  |  | (110) |  |  | 50 |  |  | 1,985 |
Total | $ | 28,066 |  |  | $ | (29) |  |  | $ | (120) |  |  | $ | 83 |  |  | $ | 28,000 |
| Nine Months Ended September 30, 2021
Allowance for loan losses: | Balance, Beginning of Period |  | Provision (Credit) Charged to Expense |  | Losses Charged Off |  | Recoveries |  | Balance, End of Period
Commercial and industrial | $ | 1,146 |  |  | $ | 823 |  |  | $ | (28) |  |  | $ | 85 |  |  | $ | 2,026 |
Owner-occupied commercial real estate | 1,082 |  |  | (89) |  |  | — |  |  | — |  |  | 993 |
Investor commercial real estate | 155 |  |  | 170 |  |  | — |  |  | — |  |  | 325 |
Construction | 1,192 |  |  | 135 |  |  | — |  |  | — |  |  | 1,327 |
Single tenant lease financing | 12,990 |  |  | 454 |  |  | (2,391) |  |  | — |  |  | 11,053 |
Public finance | 1,732 |  |  | — |  |  | — |  |  | — |  |  | 1,732 |
Healthcare finance | 7,485 |  |  | (1,131) |  |  | — |  |  | — |  |  | 6,354 |
Small business lending | 628 |  |  | 776 |  |  | (222) |  |  | 32 |  |  | 1,214 |
Franchise finance | — |  |  | 310 |  |  | — |  |  | — |  |  | 310 |
Residential mortgage | 519 |  |  | 91 |  |  | (6) |  |  | 12 |  |  | 616 |
Home equity | 48 |  |  | 63 |  |  | (51) |  |  | 5 |  |  | 65 |
Other consumer | 2,507 |  |  | (334) |  |  | (423) |  |  | 235 |  |  | 1,985 |
Total | $ | 29,484 |  |  | $ | 1,268 |  |  | $ | (3,121) |  |  | $ | 369 |  |  | $ | 28,000 |
| Three Months Ended September 30, 2020
Allowance for loan losses: | Balance, Beginning of Period |  | (Credit) Provision Charged to Expense |  | Losses Charged Off |  | Recoveries |  | Balance, End of Period
Commercial and industrial | $ | 1,477 |  |  | $ | (227) |  |  | $ | (99) |  |  | $ | — |  |  | $ | 1,151 |
Owner-occupied commercial real estate | 846 |  |  | 167 |  |  | — |  |  | — |  |  | 1,013 |
Investor commercial real estate | 130 |  |  | — |  |  | — |  |  | — |  |  | 130 |
Construction | 721 |  |  | 155 |  |  | — |  |  | — |  |  | 876 |
Single tenant lease financing | 11,318 |  |  | 717 |  |  | — |  |  | — |  |  | 12,035 |
Public finance | 1,542 |  |  | 191 |  |  | — |  |  | — |  |  | 1,733 |
Healthcare finance | 4,762 |  |  | 1,232 |  |  | — |  |  | 87 |  |  | 6,081 |
Small business lending | 251 |  |  | 230 |  |  | — |  |  | 3 |  |  | 484 |
Residential mortgage | 539 |  |  | 26 |  |  | — |  |  | — |  |  | 565 |
Home equity | 51 |  |  | (1) |  |  | — |  |  | 3 |  |  | 53 |
Other consumer | 2,828 |  |  | 19 |  |  | (142) |  |  | 91 |  |  | 2,796 |
Total | $ | 24,465 |  |  | $ | 2,509 |  |  | $ | (241) |  |  | $ | 184 |  |  | $ | 26,917 |
| Nine Months Ended September 30, 2020 |
Allowance for loan losses: | Balance, Beginning of Period |  | (Credit) Provision Charged to Expense |  | Losses Charged Off |  | Recoveries |  | Balance, End of Period |
Commercial and industrial | $ | 1,521 |  |  | $ | (22) |  |  | $ | (353) |  |  | $ | 5 |  |  | $ | 1,151 |  |
Owner-occupied commercial real estate | 561 |  |  | 452 |  |  | — |  |  | — |  |  | 1,013 |  |
Investor commercial real estate | 109 |  |  | 21 |  |  | — |  |  | — |  |  | 130 |  |
Construction | 380 |  |  | 496 |  |  | — |  |  | — |  |  | 876 |  |
Single tenant lease financing | 11,175 |  |  | 860 |  |  | — |  |  | — |  |  | 12,035 |  |
Public finance | 1,580 |  |  | 153 |  |  | — |  |  | — |  |  | 1,733 |  |
Healthcare finance | 3,247 |  |  | 3,490 |  |  | (743) |  |  | 87 |  |  | 6,081 |  |
Small business lending | 54 |  |  | 413 |  |  | — |  |  | 17 |  |  | 484 |  |
Residential mortgage | 657 |  |  | (81) |  |  | (15) |  |  | 4 |  |  | 565 |  |
Home equity | 46 |  |  | (1) |  |  | — |  |  | 8 |  |  | 53 |  |
Other consumer | 2,510 |  |  | 680 |  |  | (644) |  |  | 250 |  |  | 2,796 |  |
Total | $ | 21,840 |  |  | $ | 6,461 |  |  | $ | (1,755) |  |  | $ | 371 |  |  | $ | 26,917 |  |
Allowance For Credit Losses On Financing Receivables Portfolio Segment | The following tables present the recorded investment in loans based on portfolio segment and impairment method as of September 30, 2021 and December 31, 2020.
(in thousands) | Loans |  | Allowance for Loan Losses
September 30, 2021 | Ending Balance: Collectively Evaluated for Impairment |  | Ending Balance: Individually Evaluated for Impairment |  | Ending Balance |  | Ending Balance: Collectively Evaluated for Impairment |  | Ending Balance: Individually Evaluated for Impairment |  | Ending Balance
Commercial and industrial | $ | 106,464 |  |  | $ | 678 |  |  | $ | 107,142 |  |  | $ | 1,576 |  |  | $ | 450 |  |  | $ | 2,026 |
Owner-occupied commercial real estate | 81,390 |  |  | 3,429 |  |  | 84,819 |  |  | 993 |  |  | — |  |  | 993 |
Investor commercial real estate | 28,505 |  |  | — |  |  | 28,505 |  |  | 325 |  |  | — |  |  | 325 |
Construction | 115,414 |  |  | — |  |  | 115,414 |  |  | 1,327 |  |  | — |  |  | 1,327 |
Single tenant lease financing | 920,898 |  |  | 1,100 |  |  | 921,998 |  |  | 10,958 |  |  | 95 |  |  | 11,053 |
Public finance | 601,738 |  |  | — |  |  | 601,738 |  |  | 1,732 |  |  | — |  |  | 1,732 |
Healthcare finance | 416,447 |  |  | 941 |  |  | 417,388 |  |  | 5,831 |  |  | 523 |  |  | 6,354 |
Small business lending(1) | 100,483 |  |  | 2,406 |  |  | 102,889 |  |  | 822 |  |  | 393 |  |  | 1,214 |
Franchise finance | 25,598 |  |  | — |  |  | 25,598 |  |  | 310 |  |  | — |  |  | 310 |
Residential mortgage | 186,654 |  |  | 2,096 |  |  | 188,750 |  |  | 616 |  |  | — |  |  | 616 |
Home equity | 17,946 |  |  | 14 |  |  | 17,960 |  |  | 65 |  |  | — |  |  | 65 |
Other consumer | 268,370 |  |  | 27 |  |  | 268,396 |  |  | 1,985 |  |  | — |  |  | 1,985 |
Total | $ | 2,869,907 |  |  | $ | 10,691 |  |  | $ | 2,880,597 |  |  | $ | 26,540 |  |  | $ | 1,461 |  |  | $ | 28,000 |
1 Balance of loans individually evaluated for impairment are guaranteed by the U.S. government.
(in thousands) | Loans |  | Allowance for Loan Losses
December 31, 2020 | Ending Balance: Collectively Evaluated for Impairment |  | Ending Balance: Individually Evaluated for Impairment |  | Ending Balance |  | Ending Balance: Collectively Evaluated for Impairment |  | Ending Balance: Individually Evaluated for Impairment |  | Ending Balance
Commercial and industrial | $ | 74,870 |  |  | $ | 517 |  |  | $ | 75,387 |  |  | $ | 1,146 |  |  | $ | — |  |  | $ | 1,146 |
Owner-occupied commercial real estate | 87,947 |  |  | 1,838 |  |  | 89,785 |  |  | 1,082 |  |  | — |  |  | 1,082 |
Investor commercial real estate | 13,902 |  |  | — |  |  | 13,902 |  |  | 155 |  |  | — |  |  | 155 |
Construction | 110,385 |  |  | — |  |  | 110,385 |  |  | 1,192 |  |  | — |  |  | 1,192 |
Single tenant lease financing | 942,848 |  |  | 7,324 |  |  | 950,172 |  |  | 9,900 |  |  | 3,090 |  |  | 12,990 |
Public finance | 622,257 |  |  | — |  |  | 622,257 |  |  | 1,732 |  |  | — |  |  | 1,732 |
Healthcare finance | 527,144 |  |  | 1,010 |  |  | 528,154 |  |  | 7,485 |  |  | — |  |  | 7,485 |
Small business lending | 125,589 |  |  | — |  |  | 125,589 |  |  | 628 |  |  | — |  |  | 628 |
Residential mortgage | 185,241 |  |  | 1,546 |  |  | 186,787 |  |  | 519 |  |  | — |  |  | 519 |
Home equity | 19,857 |  |  | — |  |  | 19,857 |  |  | 48 |  |  | — |  |  | 48 |
Other consumer | 275,642 |  |  | 50 |  |  | 275,692 |  |  | 2,507 |  |  | — |  |  | 2,507 |
Total | $ | 2,985,682 |  |  | $ | 12,285 |  |  | $ | 2,997,967 |  |  | $ | 26,394 |  |  | $ | 3,090 |  |  | $ | 29,484 |
Financing Receivable Credit Quality Indicators | The following tables present the credit risk profile of the Company’s commercial and consumer loan portfolios based on rating category and payment activity as of September 30, 2021 and December 31, 2020.
| September 30, 2021
(in thousands) | Pass |  | Special Mention |  | Substandard |  |  |  |  |  | Total
Commercial and industrial | $ | 92,863 |  |  | $ | 13,601 |  |  | $ | 678 |  |  |  |  |  |  | $ | 107,142 |
Owner-occupied commercial real estate | 76,547 |  |  | 4,843 |  |  | 3,429 |  |  |  |  |  |  | 84,819 |
Investor commercial real estate | 28,505 |  |  | — |  |  | — |  |  |  |  |  |  | 28,505 |
Construction | 104,656 |  |  | 10,758 |  |  | — |  |  |  |  |  |  | 115,414 |
Single tenant lease financing | 915,702 |  |  | 5,196 |  |  | 1,100 |  |  |  |  |  |  | 921,998 |
Public finance | 600,658 |  |  | 1,080 |  |  | — |  |  |  |  |  |  | 601,738 |
Healthcare finance | 415,845 |  |  | 602 |  |  | 941 |  |  |  |  |  |  | 417,388 |
Small business lending(1) | 93,037 |  |  | 6,762 |  |  | 3,090 |  |  |  |  |  |  | 102,889 |
Franchise finance | 25,598 |  |  | — |  |  | — |  |  |  |  |  |  | 25,598 |
Total commercial loans | $ | 2,353,411 |  |  | $ | 42,842 |  |  | $ | 9,238 |  |  |  |  |  |  | $ | 2,405,491 |
1 Balance in “Substandard” is guaranteed by the U.S. government.
| September 30, 2021
(in thousands) | Performing |  | Nonaccrual |  | Total
Residential mortgage | $ | 187,497 |  |  | $ | 1,253 |  |  | $ | 188,750 |
Home equity | 17,946 |  |  | 14 |  |  | 17,960 |
Other consumer | 268,370 |  |  | 26 |  |  | 268,396 |
Total consumer loans | $ | 473,813 |  |  | $ | 1,293 |  |  | $ | 475,106 |
| December 31, 2020
(in thousands) | Pass |  | Special Mention |  | Substandard |  |  |  |  |  | Total
Commercial and industrial | $ | 74,138 |  |  | $ | 732 |  |  | $ | 517 |  |  |  |  |  |  | $ | 75,387 |
Owner-occupied commercial real estate | 84,292 |  |  | 3,655 |  |  | 1,838 |  |  |  |  |  |  | 89,785 |
Investor commercial real estate | 13,902 |  |  | — |  |  | — |  |  |  |  |  |  | 13,902 |
Construction | 110,385 |  |  | — |  |  | — |  |  |  |  |  |  | 110,385 |
Single tenant lease financing | 932,830 |  |  | 10,018 |  |  | 7,324 |  |  |  |  |  |  | 950,172 |
Public finance | 622,257 |  |  | — |  |  | — |  |  |  |  |  |  | 622,257 |
Healthcare finance | 526,517 |  |  | 627 |  |  | 1,010 |  |  |  |  |  |  | 528,154 |
Small business lending(1) | 117,474 |  |  | 2,930 |  |  | 5,185 |  |  |  |  |  |  | 125,589 |
Total commercial loans | $ | 2,481,795 |  |  | $ | 17,962 |  |  | $ | 15,874 |  |  |  |  |  |  | $ | 2,515,631 |
1 Balance in “Substandard” is guaranteed by the U.S. government.
| December 31, 2020
(in thousands) | Performing |  | Nonaccrual |  | Total
Residential mortgage | $ | 185,604 |  |  | $ | 1,183 |  |  | $ | 186,787 |
Home equity | 19,857 |  |  | — |  |  | 19,857 |
Other consumer | 275,646 |  |  | 46 |  |  | 275,692 |
Total consumer loans | $ | 481,107 |  |  | $ | 1,229 |  |  | $ | 482,336 |
Past Due Financing Receivables | The following tables present the Company’s loan portfolio delinquency analysis as of September 30, 2021 and December 31, 2020.
|  | September 30, 2021
(in thousands) |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Current |  | Total Loans |  | Non- accrual Loans |  | Total Loans 90 Days or More Past Due and Accruing
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 107,142 |  |  | $ | 107,142 |  |  | $ | 678 |  |  | $ | — |
Owner-occupied commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 84,819 |  |  | 84,819 |  |  | — |  |  | — |
Investor commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 28,505 |  |  | 28,505 |  |  | 3,429 |  |  | — |
Construction |  | — |  |  | — |  |  | — |  |  | — |  |  | 115,414 |  |  | 115,414 |  |  | — |  |  | — |
Single tenant lease financing |  | — |  |  | — |  |  | — |  |  | — |  |  | 921,998 |  |  | 921,998 |  |  | 1,100 |  |  | — |
Public finance |  | — |  |  | — |  |  | — |  |  | — |  |  | 601,738 |  |  | 601,738 |  |  | — |  |  | — |
Healthcare finance |  | — |  |  | — |  |  | — |  |  | — |  |  | 417,388 |  |  | 417,388 |  |  | — |  |  | — |
Small business lending(1) |  | — |  |  | — |  |  | 1,351 |  |  | 1,351 |  |  | 101,538 |  |  | 102,889 |  |  | 1,351 |  |  | — |
Franchise finance |  | — |  |  | — |  |  | — |  |  | — |  |  | 25,598 |  |  | 25,598 |  |  | — |  |  | — |
Residential mortgage |  | — |  |  | — |  |  | 378 |  |  | 378 |  |  | 188,372 |  |  | 188,750 |  |  | 1,253 |  |  | — |
Home equity |  | — |  |  | — |  |  | — |  |  | — |  |  | 17,960 |  |  | 17,960 |  |  | 14 |  |  | — |
Other consumer |  | 86 |  |  | 12 |  |  | 17 |  |  | 115 |  |  | 268,281 |  |  | 268,396 |  |  | 26 |  |  | — |
Total |  | $ | 86 |  |  | $ | 12 |  |  | $ | 1,746 |  |  | $ | 1,844 |  |  | $ | 2,878,753 |  |  | $ | 2,880,597 |  |  | $ | 7,851 |  |  | $ | — |
1 Balance in “90 Days or More Past Due” is guaranteed by the U.S. government.
|  | December 31, 2020
(in thousands) |  | 30-59 Days Past Due |  | 60-89 Days Past Due |  | 90 Days or More Past Due |  | Total Past Due |  | Current |  | Total Loans |  | Non- accrual Loans |  | Total Loans 90 Days or More Past Due and Accruing
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | 75,387 |  |  | $ | 75,387 |  |  | $ | — |  |  | $ | — |
Owner-occupied commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 89,785 |  |  | 89,785 |  |  | 1,838 |  |  | — |
Investor commercial real estate |  | — |  |  | — |  |  | — |  |  | — |  |  | 13,902 |  |  | 13,902 |  |  | — |  |  | — |
Construction |  | — |  |  | — |  |  | — |  |  | — |  |  | 110,385 |  |  | 110,385 |  |  | — |  |  | — |
Single tenant lease financing |  | — |  |  | — |  |  | 4,680 |  |  | 4,680 |  |  | 945,492 |  |  | 950,172 |  |  | 7,116 |  |  | — |
Public finance |  | — |  |  | — |  |  | — |  |  | — |  |  | 622,257 |  |  | 622,257 |  |  | — |  |  | — |
Healthcare finance |  | — |  |  | — |  |  | — |  |  | — |  |  | 528,154 |  |  | 528,154 |  |  | — |  |  | — |
Small business lending |  | — |  |  | — |  |  | — |  |  | — |  |  | 125,589 |  |  | 125,589 |  |  | — |  |  | — |
Residential mortgage |  | 49 |  |  | — |  |  | 269 |  |  | 318 |  |  | 186,469 |  |  | 186,787 |  |  | 1,183 |  |  | — |
Home equity |  | — |  |  | 15 |  |  | — |  |  | 15 |  |  | 19,842 |  |  | 19,857 |  |  | — |  |  | — |
Other consumer |  | 176 |  |  | 51 |  |  | 5 |  |  | 232 |  |  | 275,460 |  |  | 275,692 |  |  | 46 |  |  | — |
Total |  | $ | 225 |  |  | $ | 66 |  |  | $ | 4,954 |  |  | $ | 5,245 |  |  | $ | 2,992,722 |  |  | $ | 2,997,967 |  |  | $ | 10,183 |  |  | $ | — |
Impaired Financing Receivables | The following table presents the Company’s impaired loans as of September 30, 2021 and December 31, 2020.
|  | September 30, 2021 |  | December 31, 2020
(in thousands) |  | Recorded Balance |  | Unpaid Principal Balance |  | Specific Allowance |  | Recorded Balance |  | Unpaid Principal Balance |  | Specific Allowance
Loans without a specific valuation allowance |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 3,429 |  |  | $ | 3,486 |  |  | $ | — |  |  | $ | 517 |  |  | $ | 517 |  |  | $ | — |
Owner-occupied commercial real estate |  | — |  |  | — |  |  | — |  |  | 1,838 |  |  | 1,850 |  |  | — |
Single tenant lease financing |  | — |  |  | — |  |  | — |  |  | 1,315 |  |  | 1,334 |  |  | — |
Healthcare finance |  | — |  |  | — |  |  | — |  |  | 1,010 |  |  | 1,010 |  |  | — |
Small business lending(1) |  | 1,377 |  |  | 1,486 |  |  | — |  |  | — |  |  | — |  |  | — |
Residential mortgage |  | 2,096 |  |  | 2,223 |  |  | — |  |  | 1,546 |  |  | 1,652 |  |  | — |
Home equity |  | 14 |  |  | 15 |  |  | — |  |  | — |  |  | — |  |  | — |
Other consumer |  | 27 |  |  | 82 |  |  | — |  |  | 50 |  |  | 120 |  |  | — |
Total |  | 6,943 |  |  | 7,292 |  |  | — |  |  | 6,276 |  |  | 6,483 |  |  | — |
Loans with a specific valuation allowance |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 678 |  |  | 701 |  |  | 450 |  |  | — |  |  | — |  |  | — |
Single tenant lease financing |  | 1,100 |  |  | 1,123 |  |  | 95 |  |  | 6,009 |  |  | 6,036 |  |  | 3,090 |
Healthcare Finance |  | 941 |  |  | 941 |  |  | 523 |  |  | — |  |  | — |  |  | — |
Small business lending |  | 1,029 |  |  | 1,029 |  |  | 393 |  |  | — |  |  | — |  |  | — |
Total |  | 3,748 |  |  | 3,794 |  |  | 1,461 |  |  | 6,009 |  |  | 6,036 |  |  | 3,090 |
Total impaired loans |  | $ | 10,691 |  |  | $ | 11,086 |  |  | $ | 1,461 |  |  | $ | 12,285 |  |  | $ | 12,519 |  |  | $ | 3,090 |
1 Entire balance is guaranteed by the U.S. government. The table below presents average balances and interest income recognized for impaired loans during the three and nine months ended September 30, 2021 and 2020.
|  | Three Months Ended |  | Nine Months Ended
|  | September 30, 2021 |  | September 30, 2020 |  | September 30, 2021 |  | September 30, 2020
(in thousands) |  | Average Balance |  | Interest Income |  | Average Balance |  | Interest Income |  | Average Balance |  | Interest Income |  | Average Balance |  | Interest Income
Loans without a specific valuation allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | — |  |  | $ | — |  |  | $ | 971 |  |  | $ | 18 |  |  | $ | 259 |  |  | $ | 9 |  |  | $ | 1,210 |  |  | $ | 54 |
Owner-occupied commercial real estate |  | 3,457 |  |  | — |  |  | 3,586 |  |  | 29 |  |  | 3,297 |  |  | — |  |  | 4,244 |  |  | 60 |
Single tenant lease financing |  | — |  |  | — |  |  | — |  |  | — |  |  | 100 |  |  | 5 |  |  | — |  |  | — |
Healthcare finance |  | — |  |  | — |  |  | 692 |  |  | 8 |  |  | 336 |  |  | — |  |  | 231 |  |  | 8 |
Small business lending(1) |  | 1,315 |  |  | — |  |  | — |  |  | — |  |  | 1,005 |  |  | — |  |  | — |  |  | — |
Residential mortgage |  | 2,267 |  |  | 15 |  |  | 1,233 |  |  | — |  |  | 2,138 |  |  | 28 |  |  | 1,286 |  |  | — |
Home equity |  | 14 |  |  | — |  |  | — |  |  | — |  |  | 13 |  |  | — |  |  | — |  |  | — |
Other consumer |  | 23 |  |  | — |  |  | 68 |  |  | — |  |  | 27 |  |  | — |  |  | 63 |  |  | — |
Total |  | 7,076 |  |  | 15 |  |  | 6,550 |  |  | 55 |  |  | 7,175 |  |  | 42 |  |  | 7,034 |  |  | 122 |
Loans with a specific valuation allowance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial and industrial |  | 690 |  |  | — |  |  | 182 |  |  | 18 |  |  | 677 |  |  | — |  |  | 196 |  |  | 18 |
Owner-occupied commercial real estate |  | — |  |  | — |  |  | — |  |  | 29 |  |  | 473 |  |  | — |  |  | — |  |  | 29 |
Single tenant lease financing |  | 2,048 |  |  | — |  |  | 5,978 |  |  | 4 |  |  | 4,875 |  |  | — |  |  | 5,113 |  |  | 4 |
Healthcare Finance |  | 956 |  |  | 37 |  |  | — |  |  | — |  |  | 809 |  |  | 73 |  |  | — |  |  | — |
Small business lending |  | 1,203 |  |  | — |  |  | — |  |  | — |  |  | 401 |  | — |  |  | — |  |  | — |
Total |  | 4,897 |  |  | 37 |  |  | 6,160 |  |  | 51 |  |  | 7,235 |  |  | 73 |  |  | 5,309 |  |  | 51 |
Total impaired loans |  | $ | 11,973 |  |  | $ | 52 |  |  | $ | 12,710 |  |  | $ | 106 |  |  | $ | 14,410 |  |  | $ | 115 |  |  | $ | 12,343 |  |  | $ | 173 |
1 Entire balance is guaranteed by the U.S. government.

X
- Definition Tabular disclosure of financing receivables (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. + References No definition available. + Details
Name: | inbk_AllowanceForCreditLossesOnFinancingReceivablesPortfolioSegmentTableTextBlock
Namespace Prefix: | inbk_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of allowance for credit loss on financing receivable. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 11B -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953423-111524 Reference 2: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 13 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919249-210447 + Details
Name: | us-gaap_AllowanceForCreditLossesOnFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- 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=121599337&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=121611835&loc=SL6953659-111524 + Details
Name: | us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of impaired financing receivables. + References Reference 1: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 15 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5212-111524 + Details
Name: | us-gaap_ImpairedFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- Definition Tabular disclosure of aging analysis for financing receivable. + References Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 50 -Paragraph 14 -URI http://asc.fasb.org/extlink&oid=121599337&loc=SL82919253-210447 Reference 2: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7A -URI http://asc.fasb.org/extlink&oid=121611835&loc=SL6953401-111524 Reference 3: http://www.xbrl.org/2003/role/exampleRef -Publisher FASB -Name Accounting Standards Codification -Topic 326 -SubTopic 20 -Section 55 -Paragraph 80 -URI http://asc.fasb.org/extlink&oid=121647567&loc=SL82922355-210448 Reference 4: http://fasb.org/us-gaap/role/ref/legacyRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 7 -URI http://asc.fasb.org/extlink&oid=121611835&loc=d3e5111-111524 + Details
Name: | us-gaap_PastDueFinancingReceivablesTableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration

X
- References No definition available. + Details
Name: | us-gaap_ReceivablesAbstract
Namespace Prefix: | us-gaap_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- 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
Name: | us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock
Namespace Prefix: | us-gaap_
Data Type: | nonnum:textBlockItemType
Balance Type: | na
Period Type: | duration