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Loans And Leases (Tables) | 9 Months Ended
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Sep. 30, 2020
Loans And Leases [Abstract] |
Recorded Investment In Loans By Portfolio Segment |
﻿ |  |  |  |  |
﻿ |  |  |  |  |
﻿ |  |  |
﻿ | September 30, 2020 |  | December 31, 2019
﻿ | (unaudited) |  |  |
﻿Commercial (1) | $ | 331,273 |  | $ | 170,646
﻿Real estate: |  |  |  |  |
﻿Single-family residential |  | 140,635 |  |  | 120,256
﻿Multi-family residential |  | 45,856 |  |  | 39,229
﻿Commercial |  | 275,153 |  |  | 247,543
﻿Construction |  | 71,679 |  |  | 67,652
﻿Consumer: |  |  |  |  |
﻿Home equity lines of credit |  | 20,481 |  |  | 20,941
﻿Other |  | 2,124 |  |  | 4,174
﻿Subtotal |  | 887,201 |  |  | 670,441
﻿Less: ALLL |  | (15,492) |  |  | (7,138)
﻿Loans and leases, net | $ | 871,709 |  | $ | 663,303
﻿
| (1) |  | Includes $4,297 and $4,779 of commercial leases at September 30, 2020 and December 31, 2019, respectively.
Activity In ALLL By Portfolio Segment | The following table presents the activity in the ALLL by portfolio segment for the three and nine months ended September 30, 2020: ﻿ ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | Three months ended September 30, 2020 (unaudited)
﻿ |  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
﻿ | Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home Equity lines of credit |  | Other |  | Total
﻿Beginning balance | $ | 2,664 |  | $ | 999 |  | $ | 567 |  | $ | 4,534 |  | $ | 1,024 |  | $ | 263 |  | $ | 56 |  | $ | 10,107
﻿Addition to (reduction in) provision for loan losses |  | 610 |  |  | 500 |  |  | - |  |  | 4,400 |  |  | 250 |  |  | - |  |  | (10) |  |  | 5,750
﻿Charge-offs |  | - |  |  | (350) |  |  | - |  |  | - |  |  | - |  |  | (21) |  |  | - |  |  | (371)
﻿Recoveries |  | - |  |  | 1 |  |  | - |  |  | - |  |  | - |  |  | 5 |  |  | - |  |  | 6
﻿Ending balance | $ | 3,274 |  | $ | 1,150 |  | $ | 567 |  | $ | 8,934 |  | $ | 1,274 |  | $ | 247 |  | $ | 46 |  | $ | 15,492
﻿ ﻿ ﻿ ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | Nine months ended September 30, 2020 (unaudited)
﻿ |  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
﻿ | Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home Equity lines of credit |  | Other |  | Total
﻿Beginning balance | $ | 2,054 |  | $ | 948 |  | $ | 447 |  | $ | 2,604 |  | $ | 759 |  | $ | 265 |  | $ | 61 |  | $ | 7,138
﻿Addition to (reduction in) provision for loan losses |  | 1,330 |  |  | 605 |  |  | 120 |  |  | 6,330 |  |  | 515 |  |  | (10) |  |  | (15) |  |  | 8,875
﻿Charge-offs |  | (110) |  |  | (408) |  |  | - |  |  | - |  |  | - |  |  | (21) |  |  | - |  |  | (539)
﻿Recoveries |  | - |  |  | 5 |  |  | - |  |  | - |  |  | - |  |  | 13 |  |  | - |  |  | 18
﻿Ending balance | $ | 3,274 |  | $ | 1,150 |  | $ | 567 |  | $ | 8,934 |  | $ | 1,274 |  | $ | 247 |  | $ | 46 |  | $ | 15,492
﻿ ﻿ ﻿ The following table presents the activity in the ALLL by portfolio segment for the three and nine months ended September 30, 2019: ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | Three months ended September 30, 2019 (unaudited)
﻿ |  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
﻿ | Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home Equity lines of credit |  | Other |  | Total
﻿Beginning balance | $ | 1,969 |  | $ | 1,014 |  | $ | 562 |  | $ | 2,339 |  | $ | 759 |  | $ | 309 |  | $ | 77 |  | $ | 7,029
﻿Addition to (reduction in) provision for loan losses |  | 70 |  |  | (125) |  |  | (25) |  |  | 130 |  |  | - |  |  | (50) |  |  | - |  |  | -
﻿Charge-offs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (6) |  |  | (6)
﻿Recoveries |  | - |  |  | 2 |  |  | - |  |  | - |  |  | - |  |  | 32 |  |  | - |  |  | 34
﻿Ending balance | $ | 2,039 |  | $ | 891 |  | $ | 537 |  | $ | 2,469 |  | $ | 759 |  | $ | 291 |  | $ | 71 |  | $ | 7,057
﻿ ﻿ ﻿ ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | Nine months ended September 30, 2019 (unaudited)
﻿ |  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
﻿ | Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home Equity lines of credit |  | Other |  | Total
﻿Beginning balance | $ | 1,819 |  | $ | 1,061 |  | $ | 612 |  | $ | 2,274 |  | $ | 739 |  | $ | 410 |  | $ | 97 |  | $ | 7,012
﻿Addition to (reduction in) provision for loan losses |  | 220 |  |  | (175) |  |  | (75) |  |  | 195 |  |  | 20 |  |  | (165) |  |  | (20) |  |  | -
﻿Charge-offs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (6) |  |  | (6)
﻿Recoveries |  | - |  |  | 5 |  |  | - |  |  | - |  |  | - |  |  | 46 |  |  | - |  |  | 51
﻿Ending balance | $ | 2,039 |  | $ | 891 |  | $ | 537 |  | $ | 2,469 |  | $ | 759 |  | $ | 291 |  | $ | 71 |  | $ | 7,057
﻿
Balance In ALLL And Recorded Investment In Loans By Portfolio Segment And Based On Impairment Method | The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on the impairment method as of September 30, 2020 (unaudited): ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
﻿ |  | Commercial |  | Single- family |  | Multi- family |  | Commercial |  | Construction |  | Home Equity lines of credit |  | Other |  | Total
﻿ALLL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Individually evaluated for impairment |  | $ | - |  | $ | - |  | $ | - |  | $ | 23 |  | $ | - |  | $ | - |  | $ | - |  | $ | 23
﻿Collectively evaluated for impairment |  |  | 3,274 |  |  | 1,150 |  |  | 567 |  |  | 8,911 |  |  | 1,274 |  |  | 247 |  |  | 46 |  |  | 15,469
﻿Total ending allowance balance |  | $ | 3,274 |  | $ | 1,150 |  | $ | 567 |  | $ | 8,934 |  | $ | 1,274 |  | $ | 247 |  | $ | 46 |  | $ | 15,492
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Individually evaluated for impairment |  | $ | 80 |  | $ | 105 |  | $ | - |  | $ | 2,733 |  | $ | - |  | $ | - |  | $ | - |  | $ | 2,918
﻿Collectively evaluated for impairment |  |  | 331,193 |  |  | 140,530 |  |  | 45,856 |  |  | 272,420 |  |  | 71,679 |  |  | 20,481 |  |  | 2,124 |  |  | 884,283
﻿Total ending loan balance |  | $ | 331,273 |  | $ | 140,635 |  | $ | 45,856 |  | $ | 275,153 |  | $ | 71,679 |  | $ | 20,481 |  | $ | 2,124 |  | $ | 887,201
﻿ The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on the impairment method as of December 31, 2019: ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
﻿ |  | Commercial |  | Single- family |  | Multi- family |  | Commercial |  | Construction |  | Home Equity lines of credit |  | Other |  | Total
﻿ALLL: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Ending allowance balance attributable to loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Individually evaluated for impairment |  | $ | 1 |  | $ | 1 |  | $ | - |  | $ | 33 |  | $ | - |  | $ | - |  | $ | - |  | $ | 35
﻿Collectively evaluated for impairment |  |  | 2,053 |  |  | 947 |  |  | 447 |  |  | 2,571 |  |  | 759 |  |  | 265 |  |  | 61 |  |  | 7,103
﻿Total ending allowance balance |  | $ | 2,054 |  | $ | 948 |  | $ | 447 |  | $ | 2,604 |  | $ | 759 |  | $ | 265 |  | $ | 61 |  | $ | 7,138
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Individually evaluated for impairment |  | $ | 85 |  | $ | 107 |  | $ | - |  | $ | 4,420 |  | $ | - |  | $ | - |  | $ | - |  | $ | 4,612
﻿Collectively evaluated for impairment |  |  | 170,561 |  |  | 120,149 |  |  | 39,229 |  |  | 243,123 |  |  | 67,652 |  |  | 20,941 |  |  | 4,174 |  |  | 665,829
﻿Total ending loan balance |  | $ | 170,646 |  | $ | 120,256 |  | $ | 39,229 |  | $ | 247,543 |  | $ | 67,652 |  | $ | 20,941 |  | $ | 4,174 |  | $ | 670,441
﻿
Individually Evaluated For Impairment By Class Of Loans | The following table presents loans individually evaluated for impairment by class of loans as of and for the period ended September 30, 2020. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, and deferred loan fees and costs. The table presents accrual basis interest income recognized during the three and nine months ended September 30, 2020. Cash payments of interest on these loans during the three and nine months ended September 30, 2020 totaled $51 and $105, respectively. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  | Three months ended |  | Nine months ended
﻿ | As of September 30, 2020 |  | September 30, 2020 |  | September 30, 2020
﻿ | (unaudited) |  | (unaudited) |  | (unaudited)
﻿ | Unpaid Principal Balance |  | Recorded Investment |  | ALLL Allocated |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
﻿With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Owner occupied | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
﻿Total with no allowance recorded |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial (1) |  | 80 |  |  | 80 |  |  | - |  |  | 80 |  |  | 2 |  |  | 111 |  |  | 8
﻿Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Single-family residential (1) |  | 105 |  |  | 105 |  |  | - |  |  | 105 |  |  | 1 |  |  | 106 |  |  | 3
﻿Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Non-owner occupied |  | 2,733 |  |  | 2,733 |  |  | 23 |  |  | 2,728 |  |  | 38 |  |  | 2,730 |  |  | 113
﻿Total with an allowance recorded |  | 2,918 |  |  | 2,918 |  |  | 23 |  |  | 2,913 |  |  | 41 |  |  | 2,947 |  |  | 124
﻿Total | $ | 2,918 |  | $ | 2,918 |  | $ | 23 |  | $ | 2,913 |  | $ | 41 |  | $ | 2,947 |  | $ | 124
﻿
| (1) |  | Allowance recorded in an amount less than $1 has been rounded down to zero.
﻿ The following table presents loans individually evaluated for impairment by class of loans as of December 31, 2019. The unpaid principal balance is the contractual principal balance outstanding. The recorded investment is the unpaid principal balance adjusted for partial charge-offs, purchase premiums and discounts, and deferred loan fees and costs. The table presents accrual basis interest income recognized during the three and nine months ended September 30, 2019. Cash payments of interest during the three and nine months ended September 30, 2019 totaled $44 and $132, respectively. ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  | Three months ended |  | Nine months ended
﻿ | As of December 31, 2019 |  | September 30, 2019 |  | September 30, 2019
﻿ |  |  |  |  |  |  |  |  |  | (unaudited) |  | (unaudited)
﻿ | Unpaid Principal Balance |  | Recorded Investment |  | ALLL Allocated |  | Average Recorded Investment |  | Interest Income Recognized |  | Average Recorded Investment |  | Interest Income Recognized
﻿With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Owner occupied | $ | - |  | $ | - |  | $ | - |  | $ | 121 |  | $ | 4 |  | $ | 122 |  | $ | 10
﻿Total with no allowance recorded |  | - |  |  | - |  |  | - |  |  | 121 |  |  | 4 |  |  | 122 |  |  | 10
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Commercial |  | 85 |  |  | 85 |  |  | 1 |  |  | 90 |  |  | - |  |  | 94 |  |  | -
﻿Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Single-family residential |  | 107 |  |  | 107 |  |  | 1 |  |  | 108 |  |  | 1 |  |  | 109 |  |  | 4
﻿Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Non-owner occupied |  | 4,420 |  |  | 4,420 |  |  | 33 |  |  | 4,474 |  |  | 38 |  |  | 4,113 |  |  | 116
﻿Total with an allowance recorded |  | 4,612 |  |  | 4,612 |  |  | 35 |  |  | 4,672 |  |  | 39 |  |  | 4,316 |  |  | 120
﻿Total | $ | 4,612 |  | $ | 4,612 |  | $ | 35 |  | $ | 4,793 |  | $ | 43 |  | $ | 4,438 |  | $ | 130
﻿
Recorded Investment In Nonaccrual Loans By Class Of Loans |
﻿ |  |  |  |  |
﻿ |  |  |  |  |
﻿ |  |  |
﻿ | September 30, 2020 |  | December 31, 2019
﻿ | (unaudited) |  |  |
﻿Loans past due over 90 days still on accrual | $ | - |  | $ | -
﻿Nonaccrual loans: |  |  |  |  |
﻿Commercial |  | - |  |  | 85
﻿Real estate: |  |  |  |  |
﻿Single-family residential |  | 441 |  |  | 550
﻿Commercial: |  |  |  |  |
﻿Non-owner occupied |  | - |  |  | 1,689
﻿Consumer: |  |  |  |  |
﻿Home equity lines of credit: |  |  |  |  |
﻿Originated for portfolio |  | 13 |  |  | 36
﻿Purchased for portfolio |  | 73 |  |  | 79
﻿Other consumer |  | - |  |  | -
﻿Total nonaccrual |  | 527 |  |  | 2,439
﻿Total nonaccrual and nonperforming loans | $ | 527 |  | $ | 2,439
﻿
Aging Of Recorded Investment In Past Due Loans By Class Of Loans | The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of September 30, 2020 (unaudited): ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | Greater than 90 Days Past Due |  | Total Past Due |  | Loans Not Past Due |  | Nonaccrual Loans Not > 90 days Past Due
﻿Commercial | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 331,273 |  | $ | -
﻿Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Single-family residential |  | 444 |  |  | - |  |  | 331 |  |  | 775 |  |  | 139,860 |  |  | 110
﻿Multi-family residential |  | - |  |  | - |  |  | - |  |  | - |  |  | 45,856 |  |  | -
﻿Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Non-owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 157,817 |  |  | -
﻿Owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 89,693 |  |  | -
﻿Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 27,643 |  |  | -
﻿Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 71,679 |  |  | -
﻿Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated for portfolio |  | - |  |  | 130 |  |  | - |  |  | 130 |  |  | 20,158 |  |  | 13
﻿Purchased for portfolio |  | - |  |  | 47 |  |  | - |  |  | 47 |  |  | 146 |  |  | 73
﻿Other |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,124 |  |  | -
﻿Total | $ | 444 |  | $ | 177 |  | $ | 331 |  | $ | 952 |  | $ | 886,249 |  | $ | 196
﻿ ﻿ The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2019: ﻿
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | Greater than 90 Days Past Due |  | Total Past Due |  | Loans Not Past Due |  | Nonaccrual Loans Not > 90 days Past Due
﻿Commercial | $ | - |  | $ | 71 |  | $ | - |  | $ | 71 |  | $ | 170,575 |  | $ | 85
﻿Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Single-family residential |  | 2,453 |  |  | 261 |  |  | 426 |  |  | 3,140 |  |  | 117,116 |  |  | 124
﻿Multi-family residential |  | - |  |  | - |  |  | - |  |  | - |  |  | 39,229 |  |  | -
﻿Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Non-owner occupied |  | - |  |  | - |  |  | 1,689 |  |  | 1,689 |  |  | 138,762 |  |  | -
﻿Owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 81,871 |  |  | -
﻿Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 25,221 |  |  | -
﻿Construction |  | 304 |  |  | - |  |  | - |  |  | 304 |  |  | 67,348 |  |  | -
﻿Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿Originated for portfolio |  | - |  |  | - |  |  | 22 |  |  | 22 |  |  | 20,713 |  |  | 14
﻿Purchased for portfolio |  | - |  |  | - |  |  | - |  |  | - |  |  | 206 |  |  | 79
﻿Other |  | - |  |  | - |  |  | - |  |  | - |  |  | 4,174 |  |  | -
﻿Total | $ | 2,757 |  | $ | 332 |  | $ | 2,137 |  | $ | 5,226 |  | $ | 665,215 |  | $ | 302
﻿
Nonaccrual Loans As Troubled Debt Restructuring |
﻿ |  |  |  |  |
﻿ |  |  |  |  |
﻿ |  |  |
﻿ | September 30, 2020 |  | December 31, 2019
﻿ | (unaudited) |  |  |
﻿Commercial | $ | - |  | $ | 85
﻿Total | $ | - |  | $ | 85
﻿
Recorded Investment In Loans By Risk Category And Class Of Loans | ﻿ The recorded investment in loans and leases by risk category and by class of loans and leases as of September 30, 2020 and based on the most recent analysis performed follows. There were no loans or leases rated as Doubtful at September 30, 2020.
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿(unaudited) | Not Rated |  | Pass |  | Special Mention |  | Substandard |  | Total
﻿Commercial | $ | - |  | $ | 327,501 |  | $ | 857 |  | $ | 2,915 |  | $ | 331,273
﻿Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ Single-family residential |  | 140,194 |  |  | - |  |  | - |  |  | 441 |  |  | 140,635
﻿ Multi-family residential |  | - |  |  | 45,724 |  |  | - |  |  | 132 |  |  | 45,856
﻿ Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ Non-owner occupied |  | 60 |  |  | 147,957 |  |  | 7,066 |  |  | 2,734 |  |  | 157,817
﻿ Owner occupied |  | - |  |  | 86,225 |  |  | 2,581 |  |  | 887 |  |  | 89,693
﻿ Land |  | - |  |  | 27,643 |  |  | - |  |  | - |  |  | 27,643
﻿ Construction |  | - |  |  | 71,513 |  |  | 166 |  |  | - |  |  | 71,679
﻿Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ Originated for portfolio |  | 20,260 |  |  | - |  |  | - |  |  | 28 |  |  | 20,288
﻿ Purchased for portfolio |  | 120 |  |  | - |  |  | - |  |  | 73 |  |  | 193
﻿ Other |  | 2,124 |  |  | - |  |  | - |  |  | - |  |  | 2,124
﻿ | $ | 162,758 |  | $ | 706,563 |  | $ | 10,670 |  | $ | 7,210 |  | $ | 887,201
﻿ The recorded investment in loans and leases by risk category and by class of loans and leases as of December 31, 2019 follows. There were no loans or leases rated as Doubtful at December 31, 2019.
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ | Not Rated |  | Pass |  | Special Mention |  | Substandard |  | Total
﻿Commercial | $ | - |  | $ | 168,617 |  | $ | 1,424 |  | $ | 605 |  | $ | 170,646
﻿Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ Single-family residential |  | 119,707 |  |  | - |  |  | - |  |  | 549 |  |  | 120,256
﻿ Multi-family residential |  | - |  |  | 39,081 |  |  | - |  |  | 148 |  |  | 39,229
﻿ Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ Non-owner occupied |  | 67 |  |  | 134,466 |  |  | 1,498 |  |  | 4,420 |  |  | 140,451
﻿ Owner occupied |  | - |  |  | 79,773 |  |  | 2,098 |  |  | - |  |  | 81,871
﻿ Land |  | - |  |  | 25,221 |  |  | - |  |  | - |  |  | 25,221
﻿ Construction |  | 1,855 |  |  | 65,797 |  |  | - |  |  | - |  |  | 67,652
﻿Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |
﻿ Originated for portfolio |  | 20,681 |  |  | - |  |  | - |  |  | 54 |  |  | 20,735
﻿ Purchased for portfolio |  | 127 |  |  | - |  |  | - |  |  | 79 |  |  | 206
﻿ Other |  | 4,174 |  |  | - |  |  | - |  |  | - |  |  | 4,174
﻿ | $ | 146,611 |  | $ | 512,955 |  | $ | 5,020 |  | $ | 5,855 |  | $ | 670,441
﻿
Components Of Net Investment In Direct Financing Leases | ﻿
﻿ |  |  |  |  |
﻿ | September 30, 2020 |  | December 31, 2019
﻿ | (unaudited)
﻿Total minimum lease payments to be received | $ | 4,658 |  | $ | 5,252
﻿Less: unearned income |  | (361) |  |  | (473)
﻿Net investment in direct financing leases | $ | 4,297 |  | $ | 4,779
﻿
| (1) |  | There were no initial direct costs associated with these leases.
Summary Of Future Minimum Lease Payments Receivable |
﻿ |  |  |
﻿2020 |  | $ | 198
﻿2021 |  |  | 793
﻿2022 |  |  | 793
﻿2023 |  |  | 1,564
﻿2024 |  |  | 1,310
﻿ |  | $ | 4,658
﻿

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