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Loans And Leases (Tables) | 6 Months Ended
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Jun. 30, 2023
Loans And Leases [Abstract] |
Recorded Investment In Loans By Portfolio Segment |
| June 30, 2023 |  | December 31, 2022
| (unaudited) |  |  |
Commercial (1) | $ | 439,854 |  | $ | 427,423
Real estate: |  |  |  |  |
Single-family residential |  | 473,083 |  |  | 465,057
Multi-family residential |  | 109,554 |  |  | 104,148
Commercial |  | 392,846 |  |  | 375,092
Construction |  | 194,208 |  |  | 184,122
Consumer: |  |  |  |  |
Home equity lines of credit |  | 36,576 |  |  | 30,748
Other |  | 982 |  |  | 1,727
Subtotal |  | 1,647,103 |  |  | 1,588,317
Less: ACL – Loans |  | (15,960) |  |  | (16,062)
Loans and leases, net | $ | 1,631,143 |  | $ | 1,572,255
(1)Includes $17,500 and $20,768 of commercial leases at June 30, 2023 and December 31, 2022, respectively.
Activity In ALLL By Portfolio Segment |
|  | Three Months Ended June 30, 2023 (unaudited)
|  |  |  |  | Real Estate |  |  |  |  |  | Consumer |  |  |
|  | Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home equity lines of credit |  | Other |  | Total
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balances, April 1, 2023 |  | $ | 5,438 |  | $ | 3,194 |  | $ | 1,045 |  | $ | 4,123 |  | $ | 1,679 |  | $ | 331 |  | $ | 105 |  | $ | 15,915
Provision of credit losses |  |  | (184) |  |  | (112) |  |  | (96) |  |  | (44) |  |  | 422 |  |  | (9) |  |  | (40) |  |  | (63)
Recoveries on loans |  |  | 85 |  |  | 19 |  |  | - |  |  | - |  |  | - |  |  | 1 |  |  | 3 |  |  | 108
Loans charged off |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Balances, June 30, 2023 |  | $ | 5,339 |  | $ | 3,101 |  | $ | 949 |  | $ | 4,079 |  | $ | 2,101 |  | $ | 323 |  | $ | 68 |  | $ | 15,960
|  | Six Months Ended June 30, 2023 (unaudited)
|  |  |  |  | Real Estate |  |  |  |  |  | Consumer |  |  |
|  | Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home equity lines of credit |  | Other |  | Total
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balances, December 31, 2022 |  | $ | 4,764 |  | $ | 3,914 |  | $ | 997 |  | $ | 3,384 |  | $ | 2,644 |  | $ | 333 |  | $ | 26 |  | $ | 16,062
Impact of adoption ASC 326 |  |  | 877 |  |  | (958) |  |  | 66 |  |  | 726 |  |  | (1,019) |  |  | (129) |  |  | 28 |  |  | (409)
Balances, January 1, 2023 Post-ASC 326 adoption |  |  | 5,641 |  |  | 2,956 |  |  | 1,063 |  |  | 4,110 |  |  | 1,625 |  |  | 204 |  |  | 54 |  |  | 15,653
Provision of credit losses |  |  | (382) |  |  | 123 |  |  | (114) |  |  | (31) |  |  | 476 |  |  | 118 |  |  | 14 |  |  | 204
Recoveries on loans |  |  | 85 |  |  | 22 |  |  | - |  |  | - |  |  | - |  |  | 1 |  |  | 3 |  |  | 111
Loans charged off |  |  | (5) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (3) |  |  | (8)
Balances, June 30, 2023 |  | $ | 5,339 |  | $ | 3,101 |  | $ | 949 |  | $ | 4,079 |  | $ | 2,101 |  | $ | 323 |  | $ | 68 |  | $ | 15,960
Activity In ALLL Under Prior GAAP |
| Three months ended June 30, 2022 (unaudited)
|  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
| Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home Equity lines of credit |  | Other |  | Total
Beginning balance | $ | 4,427 |  | $ | 3,506 |  | $ | 787 |  | $ | 4,634 |  | $ | 1,744 |  | $ | 276 |  | $ | 146 |  | $ | 15,520
Addition to (reduction in) provision for loan losses |  | 300 |  |  | 200 |  |  | - |  |  | (650) |  |  | 150 |  |  | - |  |  | - |  |  | -
Charge-offs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Recoveries |  | - |  |  | 9 |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | - |  |  | 12
Ending balance | $ | 4,727 |  | $ | 3,715 |  | $ | 787 |  | $ | 3,984 |  | $ | 1,894 |  | $ | 279 |  | $ | 146 |  | $ | 15,532
| Six months ended June 30, 2022 (unaudited)
|  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
| Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home Equity lines of credit |  | Other |  | Total
Beginning balance | $ | 4,127 |  | $ | 3,348 |  | $ | 827 |  | $ | 5,034 |  | $ | 1,744 |  | $ | 272 |  | $ | 156 |  | $ | 15,508
Addition to (reduction in) provision for loan losses |  | 600 |  |  | 350 |  |  | (40) |  |  | (1,050) |  |  | 150 |  |  | - |  |  | (10) |  |  | -
Charge-offs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Recoveries |  | - |  |  | 17 |  |  | - |  |  | - |  |  | - |  |  | 7 |  |  | - |  |  | 24
Ending balance | $ | 4,727 |  | $ | 3,715 |  | $ | 787 |  | $ | 3,984 |  | $ | 1,894 |  | $ | 279 |  | $ | 146 |  | $ | 15,532
Schedule Of Collateral-Dependent Loans By Loan Segment |
| June 30, 2023 (unaudited)
| Residential Real Estate |  | Other |  | Total |  | Allowance on Collateral Dependent Loans
Commercial | $ | - |  | $ | 102 |  | $ | 102 |  | $ | 85
Real estate: |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 93 |  |  | - |  |  | 93 |  |  | -
Total | $ | 93 |  | $ | 102 |  | $ | 195 |  | $ | 85
Balance In ALLL And Recorded Investment In Loans By Portfolio Segment And Based On Impairment Method |
|  |  |  |  | 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 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
Collectively evaluated for impairment |  |  | 4,764 |  |  | 3,914 |  |  | 997 |  |  | 3,384 |  |  | 2,644 |  |  | 333 |  |  | 26 |  |  | 16,062
Total ending allowance balance |  | $ | 4,764 |  | $ | 3,914 |  | $ | 997 |  | $ | 3,384 |  | $ | 2,644 |  | $ | 333 |  | $ | 26 |  | $ | 16,062
Loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Individually evaluated for impairment |  | $ | 80 |  | $ | 95 |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 175
Collectively evaluated for impairment |  |  | 427,343 |  |  | 464,962 |  |  | 104,148 |  |  | 375,092 |  |  | 184,122 |  |  | 30,748 |  |  | 1,727 |  |  | 1,588,142
Total ending loan balance |  | $ | 427,423 |  | $ | 465,057 |  | $ | 104,148 |  | $ | 375,092 |  | $ | 184,122 |  | $ | 30,748 |  | $ | 1,727 |  | $ | 1,588,317
Individually Evaluated For Impairment By Class Of Loans |
|  |  | Three months ended |  | Six months ended
| As of December 31, 2022 |  | June 30, 2022 |  | June 30, 2022
|  |  |  |  |  |  |  |  |  | (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 | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
Total with no allowance recorded |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial (1) |  | 371 |  |  | 80 |  |  | - |  |  | 123 |  |  | - |  |  | 144 |  |  | 1
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential (1) |  | 95 |  |  | 95 |  |  | - |  |  | 98 |  |  | 1 |  |  | 98 |  |  | 3
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 700 |  |  | 17
Total with an allowance recorded |  | 466 |  |  | 175 |  |  | - |  |  | 221 |  |  | 1 |  |  | 942 |  |  | 21
Total | $ | 466 |  | $ | 175 |  | $ | - |  | $ | 221 |  | $ | 1 |  | $ | 942 |  | $ | 21
(1)Allowance recorded in an amount less than $1 has been rounded down to zero.
Recorded Investment In Nonaccrual and Nonperforming Loans By Class Of Loans | The following table presents the recorded investment in non-accrual loans by class of loans at June 30, 2023 (unaudited):
| Non-Accrual Loans |  | Non-Accrual loans with no Allowance for Credit Losses
Commercial | $ | 164 |  | $ | 62
Real estate: |  |  |  |  |
Single-family residential |  | 635 |  |  | 635
Total nonaccrual loans | $ | 799 |  | $ | 697
The following table presents the recorded investment in nonperforming loans by class of loans at December 31, 2022:
| December 31, 2022
Loans past due over 90 days still on accrual | $ | -
Nonaccrual loans: |  |
Commercial |  | 99
Real estate: |  |
Single-family residential |  | 641
Consumer: |  |
Home equity lines of credit: |  |
Originated for portfolio |  | 18
Purchased for portfolio |  | 3
Total nonaccrual |  | 761
Total nonaccrual and nonperforming loans | $ | 761
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 June 30, 2023 (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 | $ | 247 |  | $ | 777 |  | $ | 62 |  | $ | 1,086 |  | $ | 438,768 |  | $ | 102
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | - |  |  | - |  |  | 563 |  |  | 563 |  |  | 472,520 |  |  | 72
Multi-family residential |  | - |  |  | - |  |  | - |  |  | - |  |  | 109,554 |  |  | -
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 184,985 |  |  | -
Owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 186,367 |  |  | -
Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 21,494 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 194,208 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit |  | - |  |  | - |  |  | - |  |  | - |  |  | 36,576 |  |  | -
Other |  | - |  |  | 47 |  |  | - |  |  | 47 |  |  | 935 |  |  | -
Total | $ | 247 |  | $ | 824 |  | $ | 625 |  | $ | 1,696 |  | $ | 1,645,407 |  | $ | 174
The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2022:
| 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 | $ | 255 |  | $ | - |  | $ | 99 |  | $ | 354 |  | $ | 427,069 |  | $ | -
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 966 |  |  | 167 |  |  | 563 |  |  | 1,696 |  |  | 463,361 |  |  | 78
Multi-family residential |  | - |  |  | - |  |  | - |  |  | - |  |  | 104,148 |  |  | -
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 169,686 |  |  | -
Owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 172,698 |  |  | -
Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 32,708 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 184,122 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  | 29 |  |  | - |  |  | 18 |  |  | 47 |  |  | 30,701 |  |  | -
Purchased for portfolio |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Other |  | - |  |  | - |  |  | 3 |  |  | 3 |  |  | 1,724 |  |  | -
Total | $ | 1,250 |  | $ | 167 |  | $ | 683 |  | $ | 2,100 |  | $ | 1,586,217 |  | $ | 78
Nonaccrual Loans As Troubled Debt Restructuring |
| December 31, 2022
Commercial | $ | 80
Total | $ | 80
Recorded Investment In Loans By Risk Category And Class Of Loans | ‎ The following table summarizes the risk grading of the Company’s loan portfolio by loan class and by year of origination for the years indicated as of June 30, 2023. Consumer and Single-family residential loans are not risk graded. For purposes of this disclosure, those loans are classified in the following manner: loans that are 89 days or less past due and accruing are “performing” loans and loans greater than 89 days past due or in nonaccrual are “nonperforming” loans.
| Term Loans (amortized cost basis by origination year) |  |  |  |  |  |  |  |  |
(unaudited) | 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
Commercial and Industrial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 26,793 |  | $ | 97,823 |  | $ | 101,796 |  | $ | 47,962 |  | $ | 4,920 |  | $ | 13,259 |  | $ | 142,096 |  | $ | 475 |  | $ | 435,124
Substandard |  | - |  |  | - |  |  | 4,628 |  |  | - |  |  | 102 |  |  | - |  |  | - |  |  | - |  |  | 4,730
Total Commercial and industrial loans |  | 26,793 |  |  | 97,823 |  |  | 106,424 |  |  | 47,962 |  |  | 5,022 |  |  | 13,259 |  |  | 142,096 |  |  | 475 |  |  | 439,854
Current period gross charge-offs |  | - |  |  | - |  |  | 5 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 5
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 25,165 |  |  | 135,009 |  |  | 237,472 |  |  | 47,065 |  |  | 9,962 |  |  | 17,775 |  |  |  |  |  |  |  |  | 472,448
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 635 |  |  | - |  |  | - |  |  | 635
Total Single-family residential loans |  | 25,165 |  |  | 135,009 |  |  | 237,472 |  |  | 47,065 |  |  | 9,962 |  |  | 18,410 |  |  | - |  |  | - |  |  | 473,083
Multi-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 4,800 |  |  | 8,827 |  |  | 51,631 |  |  | 7,367 |  |  | 15,888 |  |  | 21,041 |  |  | - |  |  | - |  |  | 109,554
Total Multi-family residential loans |  | 4,800 |  |  | 8,827 |  |  | 51,631 |  |  | 7,367 |  |  | 15,888 |  |  | 21,041 |  |  | - |  |  | - |  |  | 109,554
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 16,669 |  |  | 27,115 |  |  | 49,138 |  |  | 15,525 |  |  | 20,450 |  |  | 54,481 |  |  | 1,097 |  |  | - |  |  | 184,475
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | 510 |  |  | - |  |  | - |  |  | - |  |  | 510
Total Non-owner occupied loans |  | 16,669 |  |  | 27,115 |  |  | 49,138 |  |  | 15,525 |  |  | 20,960 |  |  | 54,481 |  |  | 1,097 |  |  | - |  |  | 184,985
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 14,723 |  |  | 55,959 |  |  | 56,348 |  |  | 20,226 |  |  | 19,167 |  |  | 19,188 |  |  | 70 |  |  | - |  |  | 185,681
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | 686 |  |  | - |  |  | - |  |  | - |  |  | 686
Total Owner occupied loans |  | 14,723 |  |  | 55,959 |  |  | 56,348 |  |  | 20,226 |  |  | 19,853 |  |  | 19,188 |  |  | 70 |  |  | - |  |  | 186,367
Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 1,781 |  |  | 5,980 |  |  | 11,243 |  |  | 1,927 |  |  | 154 |  |  | 409 |  |  | - |  |  | - |  |  | 21,494
Total Land loans |  | 1,781 |  |  | 5,980 |  |  | 11,243 |  |  | 1,927 |  |  | 154 |  |  | 409 |  |  | - |  |  | - |  |  | 21,494
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 6,941 |  |  | 62,829 |  |  | 102,120 |  |  | 9,771 |  |  | - |  |  | 212 |  |  | 12,335 |  |  | - |  |  | 194,208
Total Construction loans |  | 6,941 |  |  | 62,829 |  |  | 102,120 |  |  | 9,771 |  |  | - |  |  | 212 |  |  | 12,335 |  |  | - |  |  | 194,208
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 36,049 |  |  | 527 |  |  | 36,576
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total Home equity lines of credit |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 36,049 |  |  | 527 |  |  | 36,576
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -
Performing |  | - |  |  | - |  |  | - |  |  | 14 |  |  | - |  |  | 289 |  |  | 632 |  |  | 47 |  |  | 982
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total Other consumer loans |  | - |  |  | - |  |  | - |  |  | 14 |  |  | - |  |  | 289 |  |  | 632 |  |  | 47 |  |  | 982
Current period gross charge-offs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | - |  |  | - |  |  | 3
Total loans | $ | 96,872 |  | $ | 393,542 |  | $ | 614,376 |  | $ | 149,857 |  | $ | 71,839 |  | $ | 127,289 |  | $ | 192,279 |  | $ | 1,049 |  | $ | 1,647,103
Total current period gross charge-offs | $ | - |  | $ | - |  | $ | 5 |  | $ | - |  | $ | - |  | $ | 3 |  | $ | - |  | $ | - |  | $ | 8
The recorded investment in loans and leases by risk category and by class of loans and leases as of December 31, 2022 follows.
| Not Rated |  | Pass |  | Special Mention |  | Substandard |  | Doubtful |  | Total
Commercial | $ | - |  | $ | 422,673 |  | $ | 4,651 |  | $ | 19 |  | $ | 80 |  | $ | 427,423
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 451,939 |  |  | 12,477 |  |  | - |  |  | 641 |  |  | - |  |  | 465,057
Multi-family residential |  | - |  |  | 104,148 |  |  | - |  |  | - |  |  | - |  |  | 104,148
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | - |  |  | 168,731 |  |  | 955 |  |  | - |  |  | - |  |  | 169,686
Owner occupied |  | - |  |  | 171,998 |  |  | 700 |  |  | - |  |  | - |  |  | 172,698
Land |  | - |  |  | 32,708 |  |  | - |  |  | - |  |  | - |  |  | 32,708
Construction |  | 3,084 |  |  | 180,520 |  |  | 518 |  |  | - |  |  | - |  |  | 184,122
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  | 30,730 |  |  | - |  |  | - |  |  | 18 |  |  | - |  |  | 30,748
Purchased for portfolio |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Other |  | 1,724 |  |  | - |  |  | - |  |  | 3 |  |  | - |  |  | 1,727
| $ | 487,477 |  | $ | 1,093,255 |  | $ | 6,824 |  | $ | 681 |  | $ | 80 |  | $ | 1,588,317
Components Of Net Investment In Direct Financing Leases |
| June 30, 2023 |  | December 31, 2022
| (unaudited) |  |  |
Total minimum lease payments to be received | $ | 18,796 |  | $ | 22,533
Less: Unearned income |  | (1,320) |  |  | (1,798)
Plus: Indirect initial costs |  | 24 |  |  | 33
Net investment in direct financing leases | $ | 17,500 |  | $ | 20,768
Summary Of Future Minimum Lease Payments Receivable |
2023, excluding the six months ended June 30, 2023 |  | $ | 3,425
2024 |  |  | 6,227
2025 |  |  | 5,537
2026 |  |  | 2,956
2027 |  |  | 601
Thereafter |  |  | 50
Total future minimum payments |  | $ | 18,796

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