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Loans And Leases (Tables) | 12 Months Ended
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Dec. 31, 2021
Loans And Leases [Abstract] |
Recorded Investment In Loans By Portfolio Segment | December 31, 2021 December 31, 2020Commercial (1)$ 336,881 $ 338,286Real estate: Single-family residential 346,797 147,860Multi-family residential 76,785 45,375Commercial 359,562 277,028Construction 83,360 80,426Consumer: Home equity lines of credit 24,228 20,962Other 2,044 2,429Subtotal 1,229,657 912,366Less: ALLL (15,508) (17,022)Loans and Leases, net$ 1,214,149 $ 895,344 (1)Includes $23,157 and $4,133 of commercial leases at December 31, 2021 and December 31, 2020, respectively.
Activity In ALLL By Portfolio Segment | December 31, 2021 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other TotalBeginning balance$ 3,426 $ 1,299 $ 467 $ 9,184 $ 2,254 $ 276 $ 116 $ 17,022Addition to (reduction in)‎provision for loan losses 645 2,040 360 (4,150) (510) (25) 40 (1,600)Charge-offs - (17) - - - - - (17)Recoveries 56 26 - - - 21 - 103Ending balance$ 4,127 $ 3,348 $ 827 $ 5,034 $ 1,744 $ 272 $ 156 $ 15,508 December 31, 2020 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other TotalBeginning balance$ 2,054 $ 948 $ 447 $ 2,604 $ 759 $ 265 $ 61 $ 7,138Addition to (reduction in)‎provision for loan losses 2,005 745 20 6,580 1,495 15 55 10,915Charge-offs (648) (425) - - - (21) - (1,094)Recoveries 15 31 - - - 17 - 63Ending balance$ 3,426 $ 1,299 $ 467 $ 9,184 $ 2,254 $ 276 $ 116 $ 17,022
Balance In ALLL And Recorded Investment In Loans By Portfolio Segment And Based On Impairment Method | ‎ December 31, 2019 Real Estate Consumer Commercial Single-family Multi-family Commercial Construction Home Equity lines of credit Other TotalBeginning balance$ 1,819 $ 1,061 $ 612 $ 2,274 $ 739 $ 410 $ 97 $ 7,012Addition to (reduction in)‎provision for loan losses 235 (120) (165) 225 20 (195) - - Charge-offs - - - - - - (36) (36)Recoveries - 7 - 105 - 50 - 162Ending balance$ 2,054 $ 948 $ 447 $ 2,604 $ 759 $ 265 $ 61 $ 7,138 The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on impairment method as of December 31, 2021: Real Estate Consumer Commercial Single-‎family Multi-‎family Commercial Construction Home Equity‎lines of credit Other Total ALLL: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - $ - $ - $ 20 $ - $ - $ - $ 20 Collectively evaluated for impairment 4,127 3,348 827 5,014 1,744 272 156 15,488 Total ending allowance balance $ 4,127 $ 3,348 $ 827 $ 5,034 $ 1,744 $ 272 $ 156 $ 15,508 Loans: Individually evaluated for impairment $ 221 $ 99 $ - $ 2,658 $ - $ - $ - $ 2,978 Collectively evaluated for impairment 336,660 346,698 76,785 356,904 83,360 24,228 2,044 1,226,679 Total ending loan balance $ 336,881 $ 346,797 $ 76,785 $ 359,562 $ 83,360 $ 24,228 $ 2,044 $ 1,229,657 The following table presents the balance in the ALLL and the recorded investment in loans and leases by portfolio segment and based on impairment method as of December 31, 2020: Real Estate Consumer Commercial Single-‎family Multi-‎family Commercial Construction Home Equity‎lines of credit Other TotalALLL: Ending allowance balance attributable to loans: Individually evaluated for impairment $ - $ - $ - $ 23 $ - $ - $ - $ 23Collectively evaluated for impairment 3,426 1,299 467 9,161 2,254 276 116 16,999Total ending allowance balance $ 3,426 $ 1,299 $ 467 $ 9,184 $ 2,254 $ 276 $ 116 $ 17,022 Loans: Individually evaluated for impairment 268 $ 104 $ - $ 2,718 $ - $ - $ - $ 3,090Collectively evaluated for impairment 338,018 147,756 45,375 274,310 80,426 20,962 2,429 909,276Total ending loan balance $ 338,286 $ 147,860 $ 45,375 $ 277,028 $ 80,426 $ 20,962 $ 2,429 $ 912,366
Individually Evaluated For Impairment By Class Of Loans | At or for the year ended December 31, 2021: Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income RecognizedWith no related allowance recorded: Real estate: Commercial: Owner occupied$ - $ - $ - $ - $ - Total with no allowance recorded - - - - - With an allowance recorded: Commercial (1) 485 221 - 241 9 Real estate: Single-family residential (1) 99 99 - 101 6 Commercial: Non-owner occupied 2,658 2,658 20 2,688 150 Total with an allowance recorded 3,242 2,978 20 3,030 165 Total$ 3,242 $ 2,978 $ 20 $ 3,030 $ 165 (1)Allowance recorded is less than $1 resulting in rounding to zero At or for the year ended December 31, 2020: Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income RecognizedWith no related allowance recorded: Real estate: Commercial: Owner occupied$ - $ - $ - $ - $ - Total with no allowance recorded - - - - - With an allowance recorded: Commercial (1) 533 268 - 489 10 Real estate: Single-family residential (1) 104 104 - 106 4 Commercial: Non-owner occupied 2,718 2,718 23 2,728 150 Total with an allowance recorded 3,355 3,090 23 3,323 164 Total$ 3,355 $ 3,090 $ 23 $ 3,323 $ 164 (1)Allowance recorded is less than $1 resulting in rounding to zero‎ At or for the year ended December 31, 2019: Unpaid Principal Balance Recorded Investment ALLL Allocated Average Recorded Investment Interest Income RecognizedWith no related allowance recorded: Real estate: Commercial: Owner occupied$ - $ - $ - $ 111 $ 6 Total with no allowance recorded - - - 111 6 With an allowance recorded: Commercial 85 85 1 92 - Real estate: Single-family residential 107 107 1 108 6 Multi-family residential - - - - - Commercial: Non-owner occupied 4,420 4,420 33 4,194 154 Total with an allowance recorded 4,612 4,612 35 4,394 160 Total$ 4,612 $ 4,612 $ 35 $ 4,505 $ 166
Recorded Investment In Nonaccrual Loans By Class Of Loans | 2021 2020Loans past due over 90 days still on accrual$ - $ - Nonaccrual loans: Commercial 147 190Real estate: Single-family residential 656 421Commercial: Consumer: Home equity lines of credit: Originated for portfolio 153 12Purchased for portfolio 41 72Total nonaccrual 997 695Total nonperforming loans$ 997 $ 695
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 December 31, 2021: 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 DueCommercial$ - $ - $ - $ - $ 336,881 $ 147Real estate: Single-family residential 2,144 652 563 3,359 343,438 93Multi-family residential - - - - 76,785 - Commercial: Non-owner occupied - - - - 185,130 - Owner occupied - - - - 134,352 - Land - - - - 40,080 - Construction - - - - 83,360 - Consumer: Home equity lines of credit: Originated for portfolio 2 - 153 155 23,909 - Purchased for portfolio - - 41 41 123 - Other - - - - 2,044 - Total$ 2,146 $ 652 $ 757 $ 3,555 $ 1,226,102 $ 240 The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2020: 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 DueCommercial$ - $ - $ - $ - $ 338,286 $ 190Real estate: Single-family residential 1,747 - 315 2,062 145,798 106Multi-family residential - - - - 45,375 - Commercial: Non-owner occupied - 78 - 78 159,835 - Owner occupied - - - - 90,049 - Land - - - - 27,066 - Construction - - - - 80,426 - Consumer: Home equity lines of credit: Originated for portfolio - - - - 20,773 12Purchased for portfolio - - 46 46 143 26Other - - - - 2,429 - Total$ 1,747 $ 78 $ 361 $ 2,186 $ 910,180 $ 334
Nonaccrual Loans As Troubled Debt Restructuring | 2021 2020Commercial$ 147 $ 190Total$ 147 $ 190
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 as of December 31, 2021 and based on the most recent analysis performed follows. Not Rated Pass Special Mention Substandard Doubtful TotalCommercial$ - $ 336,660 $ - $ 74 $ 147 $ 336,881Real estate: Single-family residential 346,141 - - 656 - 346,797 Multi-family residential - 76,785 - - - 76,785 Commercial: Non-owner occupied - 182,472 - 2,658 - 185,130 Owner occupied - 132,470 1,882 - - 134,352 Land - 40,080 - - - 40,080 Construction - 82,825 535 - - 83,360Consumer: Home equity lines of credit: Originated for portfolio 23,911 - - 153 - 24,064 Purchased for portfolio 123 - - 41 - 164 Other 2,044 - - - - 2,044 $ 372,219 $ 851,292 $ 2,417 $ 3,582 $ 147 $ 1,229,657 The recorded investment in loans and leases by risk category and class of loans as of December 31, 2020 follows. Not Rated Pass Special Mention Substandard Doubtful TotalCommercial$ 1 $ 337,110 $ 664 $ 321 $ 190 $ 338,286Real estate: Single-family residential 147,439 - - 421 - 147,860 Multi-family residential - 45,249 - 126 - 45,375 Commercial: Non-owner occupied 57 150,084 7,054 2,718 - 159,913 Owner occupied - 87,636 1,537 876 - 90,049 Land - 27,066 - - - 27,066 Construction - 80,247 179 - - 80,426Consumer: Home equity lines of credit: Originated for portfolio 20,746 - - 27 - 20,773 Purchased for portfolio 118 - - 71 - 189 Other 2,429 - - - - 2,429 $ 170,790 $ 727,392 $ 9,434 $ 4,560 $ 190 $ 912,366
Components Of Net Investment In Direct Financing Leases | December 31, 2021 December 31, 2020Total minimum lease payments to be received$ 25,488 $ 4,459Less: unearned income (2,385) (326)Plus: Indirect initial costs 54 -Net investment in direct financing leases$ 23,157 $ 4,133
Summary Of Future Minimum Lease Payments Receivable | 2022 6,3032023 6,1862024 5,7802025 4,8442026 2,101Thereafter 274 $ 25,488

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- 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=124255953&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=123577603&loc=SL6953659-111524 + Details
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- Definition Tabular disclosure of maturity of undiscounted cash flows to be received on annual basis for sales-type and direct financing leases receivable. Includes, but is not limited to, reconciliation to lease receivable recognized in statement of financial position. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 842 -SubTopic 30 -Section 50 -Paragraph 10 -URI http://asc.fasb.org/extlink&oid=124258985&loc=SL77919391-209981 + Details
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