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LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables) | 9 Months Ended
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Sep. 30, 2022
LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract] |
Portfolio Loans | Loans are comprised of the following:
|  | September 30, 2022 |  |  | December 31, 2021 |
Residential real estate |  | $ | 272,271 |  |  | $ | 274,425 |
Commercial real estate: |  |  |  |  |  |  |  |
Owner-occupied |  |  | 70,623 |  |  |  | 71,979 |
Nonowner-occupied |  |  | 173,116 |  |  |  | 176,100 |
Construction |  |  | 41,264 |  |  |  | 33,718 |
Commercial and industrial |  |  | 153,417 |  |  |  | 141,525 |
Consumer: |  |  |  |  |  |  |  |
Automobile |  |  | 54,409 |  |  |  | 48,206 |
Home equity |  |  | 26,755 |  |  |  | 22,375 |
Other |  |  | 64,058 |  |  |  | 62,863 |
|  |  | 855,913 |  |  |  | 831,191 |
Less: Allowance for loan losses |  |  | (4,811 | ) |  |  | (6,483 | )
Loans, net |  | $ | 851,102 |  |  | $ | 824,708 |
Activity in Allowance for Loan Losses by Portfolio Segment | The following table presents the activity in the allowance for loan losses by portfolio segment for the three months ended September 30, 2022 and 2021:
September 30, 2022 |  | Residential Real Estate |  |  | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 614 |  |  | $ | 1,846 |  |  | $ | 1,548 |  |  | $ | 1,206 |  |  | $ | 5,214 |
Provision for loan losses |  |  | (189 | ) |  |  | 42 |  |  |  | (308 | ) |  |  | 77 |  |  |  | (378 | )
Loans charged off |  |  | (57 | ) |  |  | (20 | ) |  |  | — |  |  |  | (262 | ) |  |  | (339 | )
Recoveries |  |  | 55 |  |  |  | 29 |  |  |  | 36 |  |  |  | 194 |  |  |  | 314 |
Total ending allowance balance |  | $ | 423 |  |  | $ | 1,897 |  |  | $ | 1,276 |  |  | $ | 1,215 |  |  | $ | 4,811 |
September 30, 2021 |  | Residential Real Estate |  |  | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,088 |  |  | $ | 2,532 |  |  | $ | 1,746 |  |  | $ | 1,433 |  |  | $ | 6,799 |
Provision for loan losses |  |  | (34 | ) |  |  | 10 |  |  |  | (263 | ) |  |  | 194 |  |  |  | (93 | )
Loans charged-off |  |  | (49 | ) |  |  | (63 | ) |  |  | (25 | ) |  |  | (280 | ) |  |  | (417 | )
Recoveries |  |  | 40 |  |  |  | 115 |  |  |  | 113 |  |  |  | 107 |  |  |  | 375 |
Total ending allowance balance |  | $ | 1,045 |  |  | $ | 2,594 |  |  | $ | 1,571 |  |  | $ | 1,454 |  |  | $ | 6,664 |
The following table presents the activity in the allowance for loan losses by portfolio segment for the nine months ended September 30, 2022 and 2021:
September 30, 2022 |  | Residential Real Estate |  |  | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 980 |  |  | $ | 2,548 |  |  | $ | 1,571 |  |  | $ | 1,384 |  |  | $ | 6,483 |
Provision for loan losses |  |  | (545 | ) |  |  | (683 | ) |  |  | 271 |  |  |  | 266 |  |  |  | (691 | )
Loans charged-off |  |  | (99 | ) |  |  | (36 | ) |  |  | (618 | ) |  |  | (964 | ) |  |  | (1,717 | )
Recoveries |  |  | 87 |  |  |  | 68 |  |  |  | 52 |  |  |  | 529 |  |  |  | 736 |
Total ending allowance balance |  | $ | 423 |  |  | $ | 1,897 |  |  | $ | 1,276 |  |  | $ | 1,215 |  |  | $ | 4,811 |
September 30, 2021 |  | Residential Real Estate |  |  | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Beginning balance |  | $ | 1,480 |  |  | $ | 2,431 |  |  | $ | 1,776 |  |  | $ | 1,473 |  |  | $ | 7,160 |
Provision for loan losses |  |  | (443 | ) |  |  | 121 |  |  |  | (260 | ) |  |  | 464 |  |  |  | (118 | )
Loans charged-off |  |  | (75 | ) |  |  | (115 | ) |  |  | (96 | ) |  |  | (879 | ) |  |  | (1,165 | )
Recoveries |  |  | 83 |  |  |  | 157 |  |  |  | 151 |  |  |  | 396 |  |  |  | 787 |
Total ending allowance balance |  | $ | 1,045 |  |  | $ | 2,594 |  |  | $ | 1,571 |  |  | $ | 1,454 |  |  | $ | 6,664 |
Allowance for Loan Losses and Recorded Investment in Loans by Portfolio Segment Based on Impairment Method | The following table presents the balance in the allowance for loan losses and the recorded investment of loans by portfolio segment and based on impairment method as of September 30, 2022 and December 31, 2021:
September 30, 2022 |  | Residential Real Estate |  |  | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
Collectively evaluated for impairment |  |  | 423 |  |  |  | 1,897 |  |  |  | 1,276 |  |  |  | 1,215 |  |  |  | 4,811 |
Total ending allowance balance |  | $ | 423 |  |  | $ | 1,897 |  |  | $ | 1,276 |  |  | $ | 1,215 |  |  | $ | 4,811 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | — |  |  | $ | 2,020 |  |  | $ | — |  |  | $ | 28 |  |  | $ | 2,048 |
Loans collectively evaluated for impairment |  |  | 272,271 |  |  |  | 282,983 |  |  |  | 153,417 |  |  |  | 145,194 |  |  |  | 853,865 |
Total ending loans balance |  | $ | 272,271 |  |  | $ | 285,003 |  |  | $ | 153,417 |  |  | $ | 145,222 |  |  | $ | 855,913 |
December 31, 2021 |  | Residential Real Estate |  |  | Commercial Real Estate |  |  | Commercial and Industrial |  |  | Consumer |  |  | Total |
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | — |  |  | $ | — |  |  | $ | 10 |  |  | $ | — |  |  | $ | 10 |
Collectively evaluated for impairment |  |  | 980 |  |  |  | 2,548 |  |  |  | 1,561 |  |  |  | 1,384 |  |  |  | 6,473 |
Total ending allowance balance |  | $ | 980 |  |  | $ | 2,548 |  |  | $ | 1,571 |  |  | $ | 1,384 |  |  | $ | 6,483 |
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Loans individually evaluated for impairment |  | $ | — |  |  | $ | 5,411 |  |  | $ | 4,531 |  |  | $ | 81 |  |  | $ | 10,023 |
Loans collectively evaluated for impairment |  |  | 274,425 |  |  |  | 276,386 |  |  |  | 136,994 |  |  |  | 133,363 |  |  |  | 821,168 |
Total ending loans balance |  | $ | 274,425 |  |  | $ | 281,797 |  |  | $ | 141,525 |  |  | $ | 133,444 |  |  | $ | 831,191 |
Loans Individually Evaluated for Impairment by Class of Loans | The following tables present information related to loans individually evaluated for impairment by class of loans as of September 30, 2022 and December 31, 2021:
September 30, 2022 |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |
With an allowance recorded: |  | $ | — |  |  | $ | — |  |  | $ | — |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  |  | 1,703 |  |  |  | 1,640 |  |  |  | — |
Nonowner-occupied |  |  | 380 |  |  |  | 380 |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | 28 |  |  |  | 28 |  |  |  | — |
Total |  | $ | 2,111 |  |  | $ | 2,048 |  |  | $ | — |
December 31, 2021 |  | Unpaid Principal Balance |  |  | Recorded Investment |  |  | Allowance for Loan Losses Allocated |
With an allowance recorded: |  |  |  |  |  |  |  |  |
Commercial and industrial |  | $ | 1,993 |  |  | $ | 1,993 |  |  | $ | 10 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  |  | 5,052 |  |  |  | 5,027 |  |  |  | — |
Nonowner-occupied |  |  | 384 |  |  |  | 384 |  |  |  | — |
Commercial and industrial |  |  | 2,538 |  |  |  | 2,538 |  |  |  | — |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | 31 |  |  |  | 31 |  |  |  | — |
Other |  |  | 50 |  |  |  | 50 |  |  |  | — |
Total |  | $ | 10,048 |  |  | $ | 10,023 |  |  | $ | 10 |
The following tables present information related to loans individually evaluated for impairment by class of loans for the three and nine months ended September 30, 2022 and 2021:
|  | Three months ended September 30, 2022 |  |  | Nine months ended September 30, 2022 |
|  | Average Impaired Loans |  |  | Interest Income Recognized |  |  | Cash Basis Interest Recognized |  |  | Average Impaired Loans |  |  | Interest Income Recognized |  |  | Cash Basis Interest Recognized |
With an allowance recorded: |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |  |  | $ | — |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  |  | 1,650 |  |  |  | 18 |  |  |  | 18 |  |  |  | 1,676 |  |  |  | 66 |  |  |  | 66 |
Nonowner-occupied |  |  | 381 |  |  |  | 8 |  |  |  | 8 |  |  |  | 382 |  |  |  | 22 |  |  |  | 22 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | 14 |  |  |  | 1 |  |  |  | 1 |  |  |  | 22 |  |  |  | 1 |  |  |  | 1 |
Total |  | $ | 2,045 |  |  | $ | 27 |  |  | $ | 27 |  |  | $ | 2,080 |  |  | $ | 89 |  |  | $ | 89 |
|  | Three months ended September 30, 2021 |  |  | Nine months ended September 30, 2021 |
|  | Average Impaired Loans |  |  | Interest Income Recognized |  |  | Cash Basis Interest Recognized |  |  | Average Impaired Loans |  |  | Interest Income Recognized |  |  | Cash Basis Interest Recognized |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other |  | $ | 49 |  |  | $ | 1 |  |  | $ | 1 |  |  | $ | 49 |  |  | $ | 2 |  |  | $ | 2 |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  |  | 5,128 |  |  |  | 74 |  |  |  | 74 |  |  |  | 5,183 |  |  |  | 239 |  |  |  | 239 |
Nonowner-occupied |  |  | 386 |  |  |  | 7 |  |  |  | 7 |  |  |  | 388 |  |  |  | 21 |  |  |  | 21 |
Commercial and industrial |  |  | 3,174 |  |  |  | 111 |  |  |  | 111 |  |  |  | 3,586 |  |  |  | 200 |  |  |  | 200 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity |  |  | 32 |  |  |  | 1 |  |  |  | 1 |  |  |  | 33 |  |  |  | 2 |  |  |  | 2 |
Total |  | $ | 8,769 |  |  | $ | 194 |  |  | $ | 194 |  |  | $ | 9,239 |  |  | $ | 464 |  |  | $ | 464 |
Recorded Investment in Nonaccrual and Loans Past Due Over 90 Days Still on Accrual by Class of Loans | The following table presents the recorded investment of nonaccrual loans and loans past due 90 days or more and still accruing by class of loans as of September 30, 2022 and December 31, 2021:
September 30, 2022 |  | Loans Past Due 90 Days And Still Accruing |  |  | Nonaccrual |
Residential real estate |  | $ | 203 |  |  | $ | 1,531 |
Commercial real estate: |  |  |  |  |  |  |  |
Owner-occupied |  |  | — |  |  |  | 981 |
Nonowner-occupied |  |  | — |  |  |  | 72 |
Construction |  |  | — |  |  |  | 15 |
Commercial and industrial |  |  | 148 |  |  |  | 149 |
Consumer: |  |  |  |  |  |  |  |
Automobile |  |  | 65 |  |  |  | 105 |
Home equity |  |  | — |  |  |  | 127 |
Other |  |  | 470 |  |  |  | 75 |
Total |  | $ | 886 |  |  | $ | 3,055 |
December 31, 2021 |  | Loans Past Due 90 Days And Still Accruing |  |  | Nonaccrual |
Residential real estate |  | $ | 10 |  |  | $ | 2,683 |
Commercial real estate: |  |  |  |  |  |  |  |
Owner-occupied |  |  | — |  |  |  | 1,055 |
Nonowner-occupied |  |  | — |  |  |  | — |
Construction |  |  | — |  |  |  | 146 |
Commercial and industrial |  |  | 65 |  |  |  | 150 |
Consumer: |  |  |  |  |  |  |  |
Automobile |  |  | 55 |  |  |  | 147 |
Home equity |  |  | — |  |  |  | 148 |
Other |  |  | 160 |  |  |  | 17 |
Total |  | $ | 290 |  |  | $ | 4,346 |
Aging of Recorded Investment in Past Due Loans by Class of Loans | The following table presents the aging of the recorded investment of past due loans by class of loans as of September 30, 2022 and December 31, 2021:
September 30, 2022 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days Or More Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Residential real estate |  | $ | 1,514 |  |  | $ | 907 |  |  | $ | 624 |  |  | $ | 3,045 |  |  | $ | 269,226 |  |  | $ | 272,271 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  |  | 188 |  |  |  | — |  |  |  | 981 |  |  |  | 1,169 |  |  |  | 69,454 |  |  |  | 70,623 |
Nonowner-occupied |  |  | 9 |  |  |  | 6 |  |  |  | — |  |  |  | 15 |  |  |  | 173,101 |  |  |  | 173,116 |
Construction |  |  | 34 |  |  |  | — |  |  |  | — |  |  |  | 34 |  |  |  | 41,230 |  |  |  | 41,264 |
Commercial and industrial |  |  | 96 |  |  |  | — |  |  |  | 297 |  |  |  | 393 |  |  |  | 153,024 |  |  |  | 153,417 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automobile |  |  | 760 |  |  |  | 156 |  |  |  | 157 |  |  |  | 1,073 |  |  |  | 53,336 |  |  |  | 54,409 |
Home equity |  |  | 35 |  |  |  | — |  |  |  | 127 |  |  |  | 162 |  |  |  | 26,593 |  |  |  | 26,755 |
Other |  |  | 384 |  |  |  | 368 |  |  |  | 514 |  |  |  | 1,266 |  |  |  | 62,792 |  |  |  | 64,058 |
Total |  | $ | 3,020 |  |  | $ | 1,437 |  |  | $ | 2,700 |  |  | $ | 7,157 |  |  | $ | 848,756 |  |  | $ | 855,913 |
December 31, 2021 |  | 30-59 Days Past Due |  |  | 60-89 Days Past Due |  |  | 90 Days Or More Past Due |  |  | Total Past Due |  |  | Loans Not Past Due |  |  | Total |
Residential real estate |  | $ | 2,208 |  |  | $ | 1,218 |  |  | $ | 921 |  |  | $ | 4,347 |  |  | $ | 270,078 |  |  | $ | 274,425 |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  |  | 895 |  |  |  | — |  |  |  | 153 |  |  |  | 1,048 |  |  |  | 70,931 |  |  |  | 71,979 |
Nonowner-occupied |  |  | 100 |  |  |  | — |  |  |  | — |  |  |  | 100 |  |  |  | 176,000 |  |  |  | 176,100 |
Construction |  |  | 36 |  |  |  | 53 |  |  |  | 33 |  |  |  | 122 |  |  |  | 33,596 |  |  |  | 33,718 |
Commercial and industrial |  |  | 517 |  |  |  | 60 |  |  |  | 215 |  |  |  | 792 |  |  |  | 140,733 |  |  |  | 141,525 |
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Automobile |  |  | 656 |  |  |  | 148 |  |  |  | 194 |  |  |  | 998 |  |  |  | 47,208 |  |  |  | 48,206 |
Home equity |  |  | 35 |  |  |  | 165 |  |  |  | 47 |  |  |  | 247 |  |  |  | 22,128 |  |  |  | 22,375 |
Other |  |  | 401 |  |  |  | 133 |  |  |  | 177 |  |  |  | 711 |  |  |  | 62,152 |  |  |  | 62,863 |
Total |  | $ | 4,848 |  |  | $ | 1,777 |  |  | $ | 1,740 |  |  | $ | 8,365 |  |  | $ | 822,826 |  |  | $ | 831,191 |
Troubled Debt Restructuring Loan Modifications | The following table presents the types of TDR loan modifications by class of loans as of September 30, 2022 and December 31, 2021:
September 30, 2022 |  | TDRs Performing to Modified Terms |  |  | TDRs Not Performing to Modified Terms |  |  | Total TDRs |
Commercial real estate: |  |  |  |  |  |  |  |  |
Owner-occupied |  |  |  |  |  |  |  |  |
Reduction of principal and interest payments |  | $ | 419 |  |  | $ | — |  |  | $ | 419 |
Credit extension at lower stated rate than market rate |  |  | 364 |  |  |  | — |  |  |  | 364 |
Nonowner-occupied |  |  |  |  |  |  |  |  |  |  |  |
Credit extension at lower stated rate than market rate |  |  | 380 |  |  |  | — |  |  |  | 380 |
Total TDRs |  | $ | 1,163 |  |  | $ | — |  |  | $ | 1,163 |
December 31, 2021 |  | TDRs Performing to Modified Terms |  |  | TDRs Not Performing to Modified Terms |  |  | Total TDRs |
Commercial real estate: |  |  |  |  |  |  |  |  |
Owner-occupied |  |  |  |  |  |  |  |  |
Reduction of principal and interest payments |  | $ | 1,455 |  |  | $ | — |  |  | $ | 1,455 |
Maturity extension at lower stated rate than market rate |  |  | 268 |  |  |  | — |  |  |  | 268 |
Credit extension at lower stated rate than market rate |  |  | 375 |  |  |  | — |  |  |  | 375 |
Nonowner-occupied |  |  |  |  |  |  |  |  |  |  |  |
Credit extension at lower stated rate than market rate |  |  | 385 |  |  |  | — |  |  |  | 385 |
Commercial and industrial |  |  |  |  |  |  |  |  |  |  |  |
Interest only payments |  |  | 2,301 |  |  |  | — |  |  |  | 2,301 |
Total TDRs |  | $ | 4,784 |  |  | $ | — |  |  | $ | 4,784 |
Financing Receivable Credit Quality Indicators | As of September 30, 2022 and December 31, 2021, and based on the most recent analysis performed, the risk category of commercial loans by class of loans was as follows:
September 30, 2022 |  | Pass |  |  | Criticized |  |  | Classified |  |  | Total |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 67,110 |  |  | $ | 2,532 |  |  | $ | 981 |  |  | $ | 70,623 |
Nonowner-occupied |  |  | 172,926 |  |  |  | — |  |  |  | 190 |  |  |  | 173,116 |
Construction |  |  | 41,202 |  |  |  | — |  |  |  | 62 |  |  |  | 41,264 |
Commercial and industrial |  |  | 151,371 |  |  |  | 276 |  |  |  | 1,770 |  |  |  | 153,417 |
Total |  | $ | 432,609 |  |  | $ | 2,808 |  |  | $ | 3,003 |  |  | $ | 438,420 |
December 31, 2021 |  | Pass |  |  | Criticized |  |  | Classified |  |  | Total |
Commercial real estate: |  |  |  |  |  |  |  |  |  |  |  |
Owner-occupied |  | $ | 66,999 |  |  | $ | 618 |  |  | $ | 4,362 |  |  | $ | 71,979 |
Nonowner-occupied |  |  | 175,901 |  |  |  | — |  |  |  | 199 |  |  |  | 176,100 |
Construction |  |  | 33,685 |  |  |  | — |  |  |  | 33 |  |  |  | 33,718 |
Commercial and industrial |  |  | 134,983 |  |  |  | 1,862 |  |  |  | 4,680 |  |  |  | 141,525 |
Total |  | $ | 411,568 |  |  | $ | 2,480 |  |  | $ | 9,274 |  |  | $ | 423,322 |
Recorded Investment of Residential and Consumer Loans | For residential and consumer loan classes, the Company evaluates credit quality based on the aging status of the loan, which was previously presented, and by payment activity. The following table presents the recorded investment of residential and consumer loans by class of loans based on repayment activity as of September 30, 2022 and December 31, 2021:
September 30, 2022 |  | Consumer |  |  | Residential |  |  |  |
|  | Automobile |  |  | Home Equity |  |  | Other |  |  | Real Estate |  |  | Total |
Performing |  | $ | 54,239 |  |  | $ | 26,628 |  |  | $ | 63,513 |  |  | $ | 270,537 |  |  | $ | 414,917 |
Nonperforming |  |  | 170 |  |  |  | 127 |  |  |  | 545 |  |  |  | 1,734 |  |  |  | 2,576 |
Total |  | $ | 54,409 |  |  | $ | 26,755 |  |  | $ | 64,058 |  |  | $ | 272,271 |  |  | $ | 417,493 |
December 31, 2021 |  | Consumer |  |  | Residential |  |  |  |
|  | Automobile |  |  | Home Equity |  |  | Other |  |  | Real Estate |  |  | Total |
Performing |  | $ | 48,004 |  |  | $ | 22,227 |  |  | $ | 62,686 |  |  | $ | 271,732 |  |  | $ | 404,649 |
Nonperforming |  |  | 202 |  |  |  | 148 |  |  |  | 177 |  |  |  | 2,693 |  |  |  | 3,220 |
Total |  | $ | 48,206 |  |  | $ | 22,375 |  |  | $ | 62,863 |  |  | $ | 274,425 |  |  | $ | 407,869 |

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