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Loans And Leases (Tables) | 9 Months Ended
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Sep. 30, 2023
Loans And Leases [Abstract] |
Recorded Investment In Loans By Portfolio Segment |
| September 30, 2023 |  | December 31, 2022
| (unaudited) |  |  |
Commercial (1) | $ | 427,992 |  | $ | 427,423
Real estate: |  |  |  |  |
Single-family residential |  | 477,031 |  |  | 465,057
Multi-family residential |  | 124,802 |  |  | 104,148
Commercial |  | 392,516 |  |  | 375,092
Construction |  | 217,281 |  |  | 184,122
Consumer: |  |  |  |  |
Home equity lines of credit |  | 35,583 |  |  | 30,748
Other |  | 1,601 |  |  | 1,727
Subtotal |  | 1,676,806 |  |  | 1,588,317
Less: ACL – Loans |  | (17,032) |  |  | (16,062)
Loans and leases, net | $ | 1,659,774 |  | $ | 1,572,255
(1)Includes $15,315 and $20,768 of commercial leases at September 30, 2023 and December 31, 2022, respectively.
Activity In ALLL By Portfolio Segment |
|  | Three Months Ended September 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, July 1, 2023 |  | $ | 5,339 |  | $ | 3,101 |  | $ | 949 |  | $ | 4,079 |  | $ | 2,101 |  | $ | 323 |  | $ | 68 |  | $ | 15,960
Provision of credit losses |  |  | 1,294 |  |  | 24 |  |  | 136 |  |  | (251) |  |  | (55) |  |  | (10) |  |  | 60 |  |  | 1,198
Recoveries on loans |  |  | - |  |  | 9 |  |  | - |  |  | - |  |  | - |  |  | 2 |  |  | - |  |  | 11
Loans charged off |  |  | (137) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (137)
Balances, September 30, 2023 |  | $ | 6,496 |  | $ | 3,134 |  | $ | 1,085 |  | $ | 3,828 |  | $ | 2,046 |  | $ | 315 |  | $ | 128 |  | $ | 17,032
|  | Nine Months Ended September 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 of 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 |  |  | 912 |  |  | 147 |  |  | 22 |  |  | (282) |  |  | 421 |  |  | 108 |  |  | 74 |  |  | 1,402
Recoveries on loans |  |  | 85 |  |  | 31 |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | 3 |  |  | 122
Loans charged off |  |  | (142) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (3) |  |  | (145)
Balances, September 30, 2023 |  | $ | 6,496 |  | $ | 3,134 |  | $ | 1,085 |  | $ | 3,828 |  | $ | 2,046 |  | $ | 315 |  | $ | 128 |  | $ | 17,032
Activity In ALLL Under Prior GAAP |
| Three months ended September 30, 2022 (unaudited)
|  |  |  | Real Estate |  |  |  |  | Consumer |  |  |
| Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home Equity lines of credit |  | Other |  | Total
Beginning balance | $ | 4,727 |  | $ | 3,715 |  | $ | 787 |  | $ | 3,984 |  | $ | 1,894 |  | $ | 279 |  | $ | 146 |  | $ | 15,532
Addition to (reduction in) provision for loan losses |  | - |  |  | - |  |  | 185 |  |  | - |  |  | - |  |  | - |  |  | (35) |  |  | 150
Charge-offs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Recoveries |  | - |  |  | 2 |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | - |  |  | 5
Ending balance | $ | 4,727 |  | $ | 3,717 |  | $ | 972 |  | $ | 3,984 |  | $ | 1,894 |  | $ | 282 |  | $ | 111 |  | $ | 15,687
| Nine months ended September 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 |  |  | 145 |  |  | (1,050) |  |  | 150 |  |  | - |  |  | (45) |  |  | 150
Charge-offs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Recoveries |  | - |  |  | 19 |  |  | - |  |  | - |  |  | - |  |  | 10 |  |  | - |  |  | 29
Ending balance | $ | 4,727 |  | $ | 3,717 |  | $ | 972 |  | $ | 3,984 |  | $ | 1,894 |  | $ | 282 |  | $ | 111 |  | $ | 15,687
Schedule Of Collateral-Dependent Loans By Loan Segment |
| September 30, 2023 (unaudited)
| Residential Real Estate |  | Other |  | Total |  | Allowance on Collateral Dependent Loans
Commercial | $ | - |  | $ | 611 |  | $ | 611 |  | $ | 611
Real estate: |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 92 |  |  | - |  |  | 92 |  |  | -
Total | $ | 92 |  | $ | 611 |  | $ | 703 |  | $ | 611
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 |  | $ | - | (1) | $ | - | (1) | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
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
(1)Allowance recorded in an amount less than $1 has been rounded down to zero.
Individually Evaluated For Impairment By Class Of Loans |
|  |  | Three months ended |  | Nine months ended
| As of December 31, 2022 |  | September 30, 2022 |  | September 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 |  |  | - |  |  | 112 |  |  | - |  |  | 134 |  |  | 1
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential (1) |  | 95 |  |  | 95 |  |  | - |  |  | 97 |  |  | 1 |  |  | 98 |  |  | 4
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 466 |  |  | 17
Total with an allowance recorded |  | 466 |  |  | 175 |  |  | - |  |  | 209 |  |  | 1 |  |  | 698 |  |  | 22
Total | $ | 466 |  | $ | 175 |  | $ | - |  | $ | 209 |  | $ | 1 |  | $ | 698 |  | $ | 22
(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 September 30, 2023 (unaudited):
| Non-Accrual Loans |  | Non-Accrual loans with no Allowance for Credit Losses
Commercial | $ | 3,933 |  | $ | 374
Real estate: |  |  |  |  |
Single-family residential |  | 631 |  |  | 631
Consumer: |  |  |  |  |
Other consumer |  | 30 |  |  | 30
Total nonaccrual loans | $ | 4,594 |  | $ | 1,035
The following table presents the recorded investment in nonperforming loans by class of loans at December 31, 2022:
| December 31, 2022
Loans past due 90 or more 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 September 30, 2023 (unaudited):
| 30 - 59 Days Past Due |  | 60 - 89 Days Past Due |  | 90 Days or more Past Due |  | Total Past Due |  | Loans Not Past Due |  | Nonaccrual Loans < 90 days Past Due
Commercial | $ | 419 |  | $ | 1,109 |  | $ | 284 |  | $ | 1,812 |  | $ | 426,180 |  | $ | 3,649
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | - |  |  | - |  |  | 563 |  |  | 563 |  |  | 476,468 |  |  | 68
Multi-family residential |  | - |  |  | - |  |  | - |  |  | - |  |  | 124,802 |  |  | -
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 188,819 |  |  | -
Owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 182,486 |  |  | -
Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 21,211 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 217,281 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  | 14 |  |  | - |  |  | - |  |  | 14 |  |  | 35,569 |  |  | -
Other |  | - |  |  | - |  |  | 30 |  |  | 30 |  |  | 1,571 |  |  | -
Total | $ | 433 |  | $ | 1,109 |  | $ | 877 |  | $ | 2,419 |  | $ | 1,674,387 |  | $ | 3,717
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 |  | 90 Days or more Past Due |  | Total Past Due |  | Loans Not Past Due |  | Nonaccrual Loans < 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
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 September 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 | $ | 23,387 |  | $ | 87,837 |  | $ | 96,210 |  | $ | 46,519 |  | $ | 3,579 |  | $ | 13,070 |  | $ | 146,564 |  | $ | 500 |  | $ | 417,666
Special Mention |  |  |  |  | 1,488 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,488
Substandard |  | - |  |  | 1,012 |  |  | 7,736 |  |  | - |  |  | 90 |  |  | - |  |  | - |  |  | - |  |  | 8,838
Total Commercial and industrial loans |  | 23,387 |  |  | 90,337 |  |  | 103,946 |  |  | 46,519 |  |  | 3,669 |  |  | 13,070 |  |  | 146,564 |  |  | 500 |  |  | 427,992
Current period gross charge-offs |  | - |  |  | - |  |  | 142 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 142
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 35,743 |  |  | 133,221 |  |  | 234,245 |  |  | 46,331 |  |  | 9,740 |  |  | 17,120 |  |  |  |  |  |  |  |  | 476,400
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 631 |  |  | - |  |  | - |  |  | 631
Total Single-family residential loans |  | 35,743 |  |  | 133,221 |  |  | 234,245 |  |  | 46,331 |  |  | 9,740 |  |  | 17,751 |  |  | - |  |  | - |  |  | 477,031
Multi-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 21,105 |  |  | 8,802 |  |  | 51,294 |  |  | 7,339 |  |  | 15,831 |  |  | 20,431 |  |  | - |  |  | - |  |  | 124,802
Total Multi-family residential loans |  | 21,105 |  |  | 8,802 |  |  | 51,294 |  |  | 7,339 |  |  | 15,831 |  |  | 20,431 |  |  | - |  |  | - |  |  | 124,802
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 27,512 |  |  | 27,303 |  |  | 48,354 |  |  | 15,308 |  |  | 20,277 |  |  | 48,466 |  |  | 1,092 |  |  | - |  |  | 188,312
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | 507 |  |  | - |  |  | - |  |  | - |  |  | 507
Total Non-owner occupied loans |  | 27,512 |  |  | 27,303 |  |  | 48,354 |  |  | 15,308 |  |  | 20,784 |  |  | 48,466 |  |  | 1,092 |  |  | - |  |  | 188,819
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 17,495 |  |  | 55,577 |  |  | 50,712 |  |  | 20,013 |  |  | 18,962 |  |  | 18,979 |  |  | 69 |  |  | - |  |  | 181,807
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | 679 |  |  | - |  |  | - |  |  | - |  |  | 679
Total Owner occupied loans |  | 17,495 |  |  | 55,577 |  |  | 50,712 |  |  | 20,013 |  |  | 19,641 |  |  | 18,979 |  |  | 69 |  |  | - |  |  | 182,486
Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 7,724 |  |  | 6,510 |  |  | 6,416 |  |  | - |  |  | 152 |  |  | 409 |  |  | - |  |  | - |  |  | 21,211
Total Land loans |  | 7,724 |  |  | 6,510 |  |  | 6,416 |  |  | - |  |  | 152 |  |  | 409 |  |  | - |  |  | - |  |  | 21,211
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 19,896 |  |  | 70,592 |  |  | 100,104 |  |  | 9,662 |  |  | - |  |  | 213 |  |  | 16,814 |  |  | - |  |  | 217,281
Total Construction loans |  | 19,896 |  |  | 70,592 |  |  | 100,104 |  |  | 9,662 |  |  | - |  |  | 213 |  |  | 16,814 |  |  | - |  |  | 217,281
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 33,103 |  |  | 2,480 |  |  | 35,583
Total Home equity lines of credit |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 33,103 |  |  | 2,480 |  |  | 35,583
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -
Performing |  | - |  |  | - |  |  | - |  |  | 13 |  |  | - |  |  | 284 |  |  | 1,274 |  |  | - |  |  | 1,571
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 30 |  |  | 30
Total Other consumer loans |  | - |  |  | - |  |  | - |  |  | 13 |  |  | - |  |  | 284 |  |  | 1,274 |  |  | 30 |  |  | 1,601
Current period gross charge-offs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | - |  |  | - |  |  | 3
Total loans | $ | 152,862 |  | $ | 392,342 |  | $ | 595,071 |  | $ | 145,185 |  | $ | 69,817 |  | $ | 119,603 |  | $ | 198,916 |  | $ | 3,010 |  | $ | 1,676,806
Total current period gross charge-offs | $ | - |  | $ | - |  | $ | 142 |  | $ | - |  | $ | - |  | $ | 3 |  | $ | - |  | $ | - |  | $ | 145
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 |
| September 30, 2023 |  | December 31, 2022
| (unaudited) |  |  |
Total minimum lease payments to be received | $ | 16,356 |  | $ | 22,533
Less: Unearned income |  | (1,061) |  |  | (1,798)
Plus: Indirect initial costs |  | 20 |  |  | 33
Net investment in direct financing leases | $ | 15,315 |  | $ | 20,768
Summary Of Future Minimum Lease Payments Receivable |
2023, excluding the nine months ended September 30, 2023 |  | $ | 1,713
2024 |  |  | 5,953
2025 |  |  | 5,283
2026 |  |  | 2,805
2027 |  |  | 552
Thereafter |  |  | 50
Total future minimum payments |  | $ | 16,356

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