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Loans And Leases (Tables) | 3 Months Ended
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Mar. 31, 2024
Loans And Leases [Abstract] |
Recorded Investment In Loans By Portfolio Segment |
| March 31, 2024 |  | December 31, 2023
| (unaudited) |  |  |
Commercial (1) | $ | 430,549 |  | $ | 439,895
Real estate: |  |  |  |  |
Single-family residential |  | 475,181 |  |  | 478,224
Multi-family residential |  | 128,779 |  |  | 130,778
Commercial |  | 461,826 |  |  | 433,026
Construction |  | 178,398 |  |  | 190,722
Consumer: |  |  |  |  |
Home equity lines of credit |  | 36,079 |  |  | 35,960
Other |  | 3,117 |  |  | 2,393
Subtotal |  | 1,713,929 |  |  | 1,710,998
Less: ACL – Loans |  | (18,198) |  |  | (16,865)
Loans and leases, net | $ | 1,695,731 |  | $ | 1,694,133
(1)Includes $11,892 and $13,497 of commercial leases at March 31, 2024 and December 31, 2023, respectively.
Activity In ALLL By Portfolio Segment |
|  | Three Months Ended March 31, 2024 (unaudited)
|  |  |  |  | Real Estate |  |  |  |  |  | Consumer |  |  |
|  | Commercial |  | Single-family |  | Multi-family |  | Commercial |  | Construction |  | Home equity lines of credit |  | Other |  | Total
Allowance for credit losses |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Balances, January 1, 2024 |  | $ | 5,884 |  |  | 3,371 |  |  | 1,231 |  |  | 4,105 |  |  | 1,707 |  |  | 334 |  |  | 233 |  |  | 16,865
Provision of credit losses |  |  | 1,628 |  |  | (48) |  |  | (84) |  |  | 193 |  |  | (428) |  |  | (1) |  |  | 57 |  |  | 1,317
Recoveries on loans |  |  | 6 |  |  | 8 |  |  | - |  |  | - |  |  | - |  |  | 2 |  |  | - |  |  | 16
Loans charged off |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Balances, March 31, 2024 |  | $ | 7,518 |  | $ | 3,331 |  | $ | 1,147 |  | $ | 4,298 |  | $ | 1,279 |  | $ | 335 |  | $ | 290 |  | $ | 18,198
‎
|  | Three Months Ended March 31, 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 |  |  | (198) |  |  | 235 |  |  | (18) |  |  | 13 |  |  | 54 |  |  | 127 |  |  | 54 |  |  | 267
Recoveries on loans |  |  | - |  |  | 3 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3
Loans charged off |  |  | (5) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (3) |  |  | (8)
Balances, March 31, 2023 |  | $ | 5,438 |  | $ | 3,194 |  | $ | 1,045 |  | $ | 4,123 |  | $ | 1,679 |  | $ | 331 |  | $ | 105 |  | $ | 15,915
Schedule Of Collateral-Dependent Loans By Loan Segment |
| March 31, 2024 (unaudited)
| Residential Real Estate |  | Other |  | Total |  | Allowance on Collateral Dependent Loans
Commercial | $ | - |  | $ | 3,434 |  | $ | 3,434 |  | $ | 2,099
Real estate: |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 89 |  |  | - |  |  | 89 |  |  | -
Total | $ | 89 |  | $ | 3,434 |  | $ | 3,523 |  | $ | 2,099
| December 31, 2023
| Residential Real Estate |  | Other |  | Total |  | Allowance on Collateral Dependent Loans
Commercial | $ | - |  | $ | 449 |  | $ | 449 |  | $ | 44
Real estate: |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 90 |  |  | - |  |  | 90 |  |  | -
Total | $ | 90 |  | $ | 449 |  | $ | 539 |  | $ | 44
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 March 31, 2024 (unaudited):
| Non-Accrual Loans |  | Non-Accrual loans with no Allowance for Credit Losses
Commercial | $ | 6,603 |  | $ | 235
Real estate: |  |  |  |  |
Single-family residential |  | 995 |  |  | 995
Consumer: |  |  |  |  |
Home equity lines of credit: |  | 16 |  |  | 16
Other consumer |  | 281 |  |  | 281
Total nonaccrual loans | $ | 7,895 |  | $ | 1,527
The following table presents the recorded investment in non-accrual loans by class of loans at December 31, 2023.
| Non-Accrual Loans |  | Non-Accrual loans with no Allowance for Credit Losses
Commercial | $ | 5,048 |  | $ | 1,658
Real estate: |  |  |  |  |
Single-family residential |  | 627 |  |  | 627
Consumer: |  |  |  |  |
Home equity lines of credit: |  | 17 |  |  | 17
Other consumer |  | 30 |  |  | 30
Total nonaccrual loans | $ | 5,722 |  | $ | 2,332
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 March 31, 2024 (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 Not 90 days or more Past Due
Commercial | $ | 376 |  | $ | - |  | $ | 3,669 |  | $ | 4,045 |  | $ | 426,504 |  | $ | 2,934
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | - |  |  | - |  |  | 936 |  |  | 936 |  |  | 474,245 |  |  | 59
Multi-family residential |  | - |  |  | - |  |  | - |  |  | - |  |  | 128,779 |  |  | -
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 249,688 |  |  | -
Owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 195,858 |  |  | -
Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 16,280 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 178,398 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  | 4 |  |  | 80 |  |  | 16 |  |  | 100 |  |  | 35,979 |  |  | -
Other |  | - |  |  | 251 |  |  | 30 |  |  | 281 |  |  | 2,836 |  |  | 251
Total | $ | 380 |  | $ | 331 |  | $ | 4,651 |  | $ | 5,362 |  | $ | 1,708,567 |  | $ | 3,244
The following table presents the aging of the recorded investment in past due loans and leases by class of loans as of December 31, 2023:
| 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 Not 90 days or more Past Due
Commercial | $ | 98 |  | $ | - |  | $ | 622 |  | $ | 720 |  | $ | 439,175 |  | $ | 4,426
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 165 |  |  | 372 |  |  | 563 |  |  | 1,100 |  |  | 477,124 |  |  | 64
Multi-family residential |  | - |  |  | - |  |  | - |  |  | - |  |  | 130,778 |  |  | -
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 228,548 |  |  | -
Owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 183,773 |  |  | -
Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 20,705 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 190,722 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Originated for portfolio |  | 97 |  |  | - |  |  | 17 |  |  | 114 |  |  | 35,846 |  |  | -
Purchased for portfolio |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Other |  | - |  |  | - |  |  | 30 |  |  | 30 |  |  | 2,363 |  |  | -
Total | $ | 360 |  | $ | 372 |  | $ | 1,232 |  | $ | 1,964 |  | $ | 1,709,034 |  | $ | 4,490
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 March 31, 2024. 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) | 2024 |  | 2023 |  | 2022 |  | 2021 |  | 2020 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 5,747 |  | $ | 32,481 |  | $ | 85,273 |  | $ | 87,262 |  | $ | 44,919 |  | $ | 12,724 |  | $ | 148,832 |  | $ | 484 |  | $ | 417,722
Special Mention |  | - |  |  | - |  |  | - |  |  | 2,800 |  |  | - |  |  | 84 |  |  | - |  |  | - |  |  | 2,884
Substandard |  | - |  |  | - |  |  | 385 |  |  | 7,560 |  |  | - |  |  | - |  |  | 50 |  |  | 1,500 |  |  | 9,495
Doubtful |  | - |  |  | - |  |  | 448 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 448
Total Commercial |  | 5,747 |  |  | 32,481 |  |  | 86,106 |  |  | 97,622 |  |  | 44,919 |  |  | 12,808 |  |  | 148,882 |  |  | 1,984 |  |  | 430,549
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 3,575 |  |  | 40,235 |  |  | 129,604 |  |  | 230,204 |  |  | 45,000 |  |  | 25,568 |  |  | - |  |  | - |  |  | 474,186
Nonperforming |  | - |  |  | - |  |  | 372 |  |  | - |  |  | - |  |  | 623 |  |  | - |  |  | - |  |  | 995
Total Single-family residential loans |  | 3,575 |  |  | 40,235 |  |  | 129,976 |  |  | 230,204 |  |  | 45,000 |  |  | 26,191 |  |  | - |  |  | - |  |  | 475,181
Multi-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | - |  |  | 24,833 |  |  | 8,750 |  |  | 52,209 |  |  | 7,283 |  |  | 35,704 |  |  | - |  |  | - |  |  | 128,779
Total Multi-family residential loans |  | - |  |  | 24,833 |  |  | 8,750 |  |  | 52,209 |  |  | 7,283 |  |  | 35,704 |  |  | - |  |  | - |  |  | 128,779
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 11,136 |  |  | 54,975 |  |  | 33,976 |  |  | 69,310 |  |  | 14,866 |  |  | 64,920 |  |  | - |  |  | - |  |  | 249,183
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 505 |  |  | - |  |  | - |  |  | 505
Total Non-owner occupied loans |  | 11,136 |  |  | 54,975 |  |  | 33,976 |  |  | 69,310 |  |  | 14,866 |  |  | 65,425 |  |  | - |  |  | - |  |  | 249,688
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 3,488 |  |  | 22,404 |  |  | 63,456 |  |  | 49,091 |  |  | 19,570 |  |  | 37,170 |  |  | - |  |  | - |  |  | 195,179
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 679 |  |  | - |  |  | - |  |  | 679
Total Owner occupied loans |  | 3,488 |  |  | 22,404 |  |  | 63,456 |  |  | 49,091 |  |  | 19,570 |  |  | 37,849 |  |  | - |  |  | - |  |  | 195,858
Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 2,791 |  |  | 5,646 |  |  | 1,564 |  |  | 5,723 |  |  | - |  |  | 556 |  |  | - |  |  | - |  |  | 16,280
Total Land loans |  | 2,791 |  |  | 5,646 |  |  | 1,564 |  |  | 5,723 |  |  | - |  |  | 556 |  |  | - |  |  | - |  |  | 16,280
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 5,776 |  |  | 37,213 |  |  | 71,024 |  |  | 60,755 |  |  | 3,630 |  |  | - |  |  | - |  |  | - |  |  | 178,398
Total Construction loans |  | 5,776 |  |  | 37,213 |  |  | 71,024 |  |  | 60,755 |  |  | 3,630 |  |  | - |  |  | - |  |  | - |  |  | 178,398
Total Real Estate loans |  | 26,766 |  |  | 185,306 |  |  | 308,746 |  |  | 467,292 |  |  | 90,349 |  |  | 165,725 |  |  | - |  |  | - |  |  | 1,244,184
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 33,377 |  |  | 2,686 |  |  | 36,063
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 16 |  |  | 16
Total Home equity lines of credit |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 33,377 |  |  | 2,702 |  |  | 36,079
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -
Performing |  | - |  |  | - |  |  | - |  |  | - |  |  | 10 |  |  | 211 |  |  | 2,615 |  |  | - |  |  | 2,836
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 281 |  |  | - |  |  | 281
Total Other consumer loans |  | - |  |  | - |  |  | - |  |  | - |  |  | 10 |  |  | 211 |  |  | 2,896 |  |  | - |  |  | 3,117
Total loans | $ | 32,513 |  | $ | 217,787 |  | $ | 394,852 |  | $ | 564,914 |  | $ | 135,278 |  | $ | 178,744 |  | $ | 185,155 |  | $ | 4,686 |  | $ | 1,713,929
Total current period gross charge-offs | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | -
‎ 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 December 31, 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) |  |  |  |  |  |  |  |  |
| 2023 |  | 2022 |  | 2021 |  | 2020 |  | 2019 |  | Prior |  | Revolving loans amortized cost basis |  | Revolving loans converted to term |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass | $ | 32,965 |  | $ | 86,433 |  | $ | 90,297 |  | $ | 45,670 |  | $ | 3,189 |  | $ | 9,888 |  | $ | 159,065 |  | $ | 1,078 |  | $ | 428,585
Special Mention |  | - |  |  | - |  |  | 2,807 |  |  | - |  |  | 84 |  |  | - |  |  | - |  |  | - |  |  | 2,891
Substandard |  | - |  |  | 384 |  |  | 7,537 |  |  | - |  |  | - |  |  | - |  |  | 50 |  |  | - |  |  | 7,971
Doubtful |  | - |  |  | 448 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 448
Total Commercial |  | 32,965 |  |  | 87,265 |  |  | 100,641 |  |  | 45,670 |  |  | 3,273 |  |  | 9,888 |  |  | 159,115 |  |  | 1,078 |  |  | 439,895
Current period gross charge-offs |  | - |  |  | 564 |  |  | 211 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 775
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 42,655 |  |  | 131,416 |  |  | 231,379 |  |  | 45,785 |  |  | 9,584 |  |  | 16,778 |  |  | - |  |  | - |  |  | 477,597
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 627 |  |  | - |  |  | - |  |  | 627
Total Single-family residential loans |  | 42,655 |  |  | 131,416 |  |  | 231,379 |  |  | 45,785 |  |  | 9,584 |  |  | 17,405 |  |  | - |  |  | - |  |  | 478,224
Multi-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 24,839 |  |  | 8,776 |  |  | 53,815 |  |  | 7,311 |  |  | 15,772 |  |  | 20,265 |  |  | - |  |  | - |  |  | 130,778
Total Multi-family residential loans |  | 24,839 |  |  | 8,776 |  |  | 53,815 |  |  | 7,311 |  |  | 15,772 |  |  | 20,265 |  |  | - |  |  | - |  |  | 130,778
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 57,092 |  |  | 27,068 |  |  | 61,990 |  |  | 15,085 |  |  | 20,101 |  |  | 45,725 |  |  | 982 |  |  | - |  |  | 228,043
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | 505 |  |  | - |  |  | - |  |  | - |  |  | 505
Total Non-owner occupied loans |  | 57,092 |  |  | 27,068 |  |  | 61,990 |  |  | 15,085 |  |  | 20,606 |  |  | 45,725 |  |  | 982 |  |  | - |  |  | 228,548
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 20,353 |  |  | 55,169 |  |  | 50,210 |  |  | 19,775 |  |  | 18,751 |  |  | 18,768 |  |  | 68 |  |  | - |  |  | 183,094
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | 679 |  |  | - |  |  | - |  |  | - |  |  | 679
Total Owner occupied loans |  | 20,353 |  |  | 55,169 |  |  | 50,210 |  |  | 19,775 |  |  | 19,430 |  |  | 18,768 |  |  | 68 |  |  | - |  |  | 183,773
Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 7,932 |  |  | 6,037 |  |  | 6,177 |  |  | - |  |  | 149 |  |  | 410 |  |  | - |  |  | - |  |  | 20,705
Total Land loans |  | 7,932 |  |  | 6,037 |  |  | 6,177 |  |  | - |  |  | 149 |  |  | 410 |  |  | - |  |  | - |  |  | 20,705
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 31,739 |  |  | 78,602 |  |  | 61,435 |  |  | 4,174 |  |  | - |  |  | - |  |  | 14,772 |  |  | - |  |  | 190,722
Total Construction loans |  | 31,739 |  |  | 78,602 |  |  | 61,435 |  |  | 4,174 |  |  | - |  |  | - |  |  | 14,772 |  |  | - |  |  | 190,722
Total Real Estate loans |  | 184,610 |  |  | 307,068 |  |  | 465,006 |  |  | 92,130 |  |  | 65,541 |  |  | 102,573 |  |  | 15,822 |  |  | - |  |  | 1,232,750
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 33,510 |  |  | 2,433 |  |  | 35,943
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 17 |  |  | 17
Total Home equity lines of credit |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 33,510 |  |  | 2,450 |  |  | 35,960
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | - |  |  | - |  |  | - |  |  | 12 |  |  | - |  |  | 216 |  |  | 2,135 |  |  | - |  |  | 2,363
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 30 |  |  | 30
Total Other consumer loans |  | - |  |  | - |  |  | - |  |  | 12 |  |  | - |  |  | 216 |  |  | 2,135 |  |  | 30 |  |  | 2,393
Current period gross charge-offs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | - |  |  | - |  |  | 3
Total loans | $ | 217,575 |  | $ | 394,333 |  | $ | 565,647 |  | $ | 137,812 |  | $ | 68,814 |  | $ | 112,677 |  | $ | 210,582 |  | $ | 3,558 |  | $ | 1,710,998
Total current period gross charge-offs | $ | - |  | $ | 564 |  | $ | 211 |  | $ | - |  | $ | - |  | $ | 3 |  | $ | - |  | $ | - |  | $ | 778
Components Of Net Investment In Direct Financing Leases |
| March 31, 2024 |  | December 31, 2023
| (unaudited) |  |  |
Total minimum lease payments to be received | $ | 12,587 |  | $ | 14,343
Less: Unearned income |  | (709) |  |  | (863)
Plus: Indirect initial costs |  | 14 |  |  | 17
Net investment in direct financing leases | $ | 11,892 |  | $ | 13,497
Summary Of Future Minimum Lease Payments Receivable |
2024, excluding the three months ended March 31, 2024 |  | $ | 4,277
2025 |  |  | 5,015
2026 |  |  | 2,703
2027 |  |  | 543
2028 |  |  | 49
Thereafter |  |  | -
Total future minimum payments |  | $ | 12,587

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