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Loans And Leases (Tables) | 6 Months Ended
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Jun. 30, 2024
Loans And Leases [Abstract] |
Recorded Investment In Loans By Portfolio Segment |
| June 30, 2024 |  | December 31, 2023
| (unaudited) |  |  |
Commercial (1) | $ | 422,011 |  | $ | 439,895
Real estate: |  |  |  |  |
Single-family residential |  | 467,802 |  |  | 478,224
Multi-family residential |  | 128,332 |  |  | 130,778
Commercial |  | 459,860 |  |  | 433,026
Construction |  | 184,899 |  |  | 190,722
Consumer: |  |  |  |  |
Home equity lines of credit |  | 40,884 |  |  | 35,960
Other |  | 3,192 |  |  | 2,393
Subtotal |  | 1,706,980 |  |  | 1,710,998
Less: ACL – Loans |  | (19,285) |  |  | (16,865)
Loans and leases, net | $ | 1,687,695 |  | $ | 1,694,133
(1)Includes $10,423 and $13,497 of commercial leases at June 30, 2024 and December 31, 2023, respectively.
Activity In ALLL By Portfolio Segment |
|  | Three Months Ended June 30, 2024 (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, 2024 |  | $ | 7,518 |  | $ | 3,331 |  | $ | 1,147 |  | $ | 4,298 |  | $ | 1,279 |  | $ | 335 |  | $ | 290 |  | $ | 18,198
Provision of credit losses |  |  | 3,105 |  |  | (32) |  |  | (132) |  |  | (10) |  |  | (43) |  |  | 46 |  |  | 261 |  |  | 3,195
Recoveries on loans |  |  | 6 |  |  | 7 |  |  | - |  |  | - |  |  | - |  |  | 2 |  |  | - |  |  | 15
Loans charged off |  |  | (1,873) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (250) |  |  | (2,123)
Balances, June 30, 2024 |  | $ | 8,756 |  | $ | 3,306 |  | $ | 1,015 |  | $ | 4,288 |  | $ | 1,236 |  | $ | 383 |  | $ | 301 |  | $ | 19,285
|  | Six Months Ended June 30, 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 |  |  | 4,733 |  |  | (80) |  |  | (216) |  |  | 183 |  |  | (471) |  |  | 45 |  |  | 318 |  |  | 4,512
Recoveries on loans |  |  | 12 |  |  | 15 |  |  | - |  |  | - |  |  | - |  |  | 4 |  |  | - |  |  | 31
Loans charged off |  |  | (1,873) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (250) |  |  | (2,123)
Balances, June 30, 2024 |  | $ | 8,756 |  | $ | 3,306 |  | $ | 1,015 |  | $ | 4,288 |  | $ | 1,236 |  | $ | 383 |  | $ | 301 |  | $ | 19,285
‎
|  | 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
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 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 |  |  | (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
Schedule Of Collateral-Dependent Loans By Loan Segment |
| June 30, 2024 (unaudited)
| Residential Real Estate |  | Other |  | Total |  | Allowance on Collateral Dependent Loans
Commercial | $ | - |  | $ | 1,760 |  | $ | 1,760 |  | $ | 511
Real estate: |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 88 |  |  | - |  |  | 88 |  |  | -
Total | $ | 88 |  | $ | 1,760 |  | $ | 1,848 |  | $ | 511
‎
| 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 June 30, 2024 (unaudited):
| Non-Accrual Loans |  | Non-Accrual loans with no Allowance for Credit Losses
Commercial | $ | 9,328 |  | $ | 233
Real estate: |  |  |  |  |
Single-family residential |  | 1,537 |  |  | 1,537
Consumer: |  |  |  |  |
Home equity lines of credit: |  | 14 |  |  | 14
Other consumer |  | 30 |  |  | 30
Total nonaccrual loans | $ | 10,909 |  | $ | 1,814
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 June 30, 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 | $ | 53 |  | $ | 4,095 |  | $ | 1,931 |  | $ | 6,079 |  | $ | 415,932 |  | $ | 7,397
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | - |  |  | 547 |  |  | 936 |  |  | 1,483 |  |  | 466,319 |  |  | 601
Multi-family residential |  | - |  |  | - |  |  | - |  |  | - |  |  | 128,332 |  |  | -
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 239,862 |  |  | -
Owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 202,951 |  |  | -
Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 17,047 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 184,899 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  | 28 |  |  | - |  |  | - |  |  | 28 |  |  | 40,856 |  |  | 14
Other |  | - |  |  | - |  |  | 30 |  |  | 30 |  |  | 3,162 |  |  | -
Total | $ | 81 |  | $ | 4,642 |  | $ | 2,897 |  | $ | 7,620 |  | $ | 1,699,360 |  | $ | 8,012
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 June 30, 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 | $ | 14,708 |  | $ | 31,749 |  | $ | 76,526 |  | $ | 87,176 |  | $ | 44,153 |  | $ | 11,859 |  | $ | 136,588 |  | $ | 3,944 |  | $ | 406,703
Special Mention |  | - |  |  | - |  |  | 7,000 |  |  | - |  |  | - |  |  | 81 |  |  | - |  |  | - |  |  | 7,081
Substandard |  | - |  |  | - |  |  | 485 |  |  | 7,692 |  |  | - |  |  | - |  |  | 50 |  |  | - |  |  | 8,227
Total Commercial |  | 14,708 |  |  | 31,749 |  |  | 84,011 |  |  | 94,868 |  |  | 44,153 |  |  | 11,940 |  |  | 136,638 |  |  | 3,944 |  |  | 422,011
Current period gross charge-offs |  | - |  |  | - |  |  | 1,755 |  |  | 118 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,873
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 12,372 |  |  | 35,622 |  |  | 126,041 |  |  | 223,580 |  |  | 44,062 |  |  | 24,588 |  |  | - |  |  | - |  |  | 466,265
Nonperforming |  | - |  |  | 547 |  |  | 372 |  |  | - |  |  | - |  |  | 618 |  |  | - |  |  | - |  |  | 1,537
Total Single-family residential loans |  | 12,372 |  |  | 36,169 |  |  | 126,413 |  |  | 223,580 |  |  | 44,062 |  |  | 25,206 |  |  | - |  |  | - |  |  | 467,802
Multi-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | - |  |  | 24,822 |  |  | 8,724 |  |  | 52,081 |  |  | 7,249 |  |  | 35,456 |  |  | - |  |  | - |  |  | 128,332
Total Multi-family residential loans |  | - |  |  | 24,822 |  |  | 8,724 |  |  | 52,081 |  |  | 7,249 |  |  | 35,456 |  |  | - |  |  | - |  |  | 128,332
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 10,189 |  |  | 52,955 |  |  | 33,731 |  |  | 68,558 |  |  | 14,486 |  |  | 59,438 |  |  | - |  |  | - |  |  | 239,357
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 505 |  |  | - |  |  | - |  |  | 505
Total Non-owner occupied loans |  | 10,189 |  |  | 52,955 |  |  | 33,731 |  |  | 68,558 |  |  | 14,486 |  |  | 59,943 |  |  | - |  |  | - |  |  | 239,862
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 5,408 |  |  | 23,518 |  |  | 69,781 |  |  | 48,651 |  |  | 19,365 |  |  | 35,549 |  |  | - |  |  | - |  |  | 202,272
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 679 |  |  | - |  |  | - |  |  | 679
Total Owner occupied loans |  | 5,408 |  |  | 23,518 |  |  | 69,781 |  |  | 48,651 |  |  | 19,365 |  |  | 36,228 |  |  | - |  |  | - |  |  | 202,951
Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 5,895 |  |  | 4,792 |  |  | 401 |  |  | 5,456 |  |  | - |  |  | 503 |  |  | - |  |  | - |  |  | 17,047
Total Land loans |  | 5,895 |  |  | 4,792 |  |  | 401 |  |  | 5,456 |  |  | - |  |  | 503 |  |  | - |  |  | - |  |  | 17,047
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 10,196 |  |  | 42,810 |  |  | 69,360 |  |  | 58,903 |  |  | 3,630 |  |  | - |  |  | - |  |  | - |  |  | 184,899
Total Construction loans |  | 10,196 |  |  | 42,810 |  |  | 69,360 |  |  | 58,903 |  |  | 3,630 |  |  | - |  |  | - |  |  | - |  |  | 184,899
Total Real Estate loans |  | 44,060 |  |  | 185,066 |  |  | 308,410 |  |  | 457,229 |  |  | 88,792 |  |  | 157,336 |  |  | - |  |  | - |  |  | 1,240,893
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 37,218 |  |  | 3,652 |  |  | 40,870
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 14 |  |  | 14
Total Home equity lines of credit |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 37,218 |  |  | 3,666 |  |  | 40,884
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -
Performing |  | 497 |  |  | - |  |  | - |  |  | - |  |  | 9 |  |  | 187 |  |  | 2,469 |  |  | - |  |  | 3,162
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 30 |  |  | - |  |  | 30
Total Other consumer loans |  | 497 |  |  | - |  |  | - |  |  | - |  |  | 9 |  |  | 187 |  |  | 2,499 |  |  | - |  |  | 3,192
Current period gross charge-offs |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 250 |  |  | - |  |  | 250
Total loans | $ | 59,265 |  | $ | 216,815 |  | $ | 392,421 |  | $ | 552,097 |  | $ | 132,954 |  | $ | 169,463 |  | $ | 176,355 |  | $ | 7,610 |  | $ | 1,706,980
Total current period gross charge-offs | $ | - |  | $ | - |  | $ | 1,755 |  | $ | 118 |  | $ | - |  | $ | - |  | $ | 250 |  | $ | - |  | $ | 2,123
‎ 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 |
| June 30, 2024 |  | December 31, 2023
| (unaudited) |  |  |
Total minimum lease payments to be received | $ | 10,976 |  | $ | 14,343
Less: Unearned income |  | (564) |  |  | (863)
Plus: Indirect initial costs |  | 11 |  |  | 17
Net investment in direct financing leases | $ | 10,423 |  | $ | 13,497
Summary Of Future Minimum Lease Payments Receivable |
2024, excluding the six months ended June 30, 2024 |  | $ | 2,827
2025 |  |  | 4,899
2026 |  |  | 2,657
2027 |  |  | 543
2028 |  |  | 50
Thereafter |  |  | -
Total future minimum payments |  | $ | 10,976

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