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Loans And Leases (Tables) | 9 Months Ended
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Sep. 30, 2024
Loans And Leases [Abstract] |
Recorded Investment In Loans By Portfolio Segment |
| September 30, 2024 |  | December 31, 2023
| (unaudited) |  |  |
Commercial (1) | $ | 432,916 |  | $ | 439,895
Real estate: |  |  |  |  |
Single-family residential |  | 461,161 |  |  | 478,224
Multi-family residential |  | 176,549 |  |  | 130,778
Commercial |  | 447,790 |  |  | 433,026
Construction |  | 171,495 |  |  | 190,722
Consumer: |  |  |  |  |
Home equity lines of credit |  | 40,930 |  |  | 35,960
Other |  | 3,014 |  |  | 2,393
Subtotal |  | 1,733,855 |  |  | 1,710,998
Less: ACL – Loans |  | (16,780) |  |  | (16,865)
Loans and leases, net | $ | 1,717,075 |  | $ | 1,694,133
(1)Includes $9,076 and $13,497 of commercial leases at September 30, 2024 and December 31, 2023, respectively.
Activity In ALLL By Portfolio Segment |
|  | Three Months Ended September 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, July 1, 2024 |  | $ | 8,756 |  | $ | 3,306 |  | $ | 1,015 |  | $ | 4,288 |  | $ | 1,236 |  | $ | 383 |  | $ | 301 |  | $ | 19,285
Provision of credit losses |  |  | 574 |  |  | (213) |  |  | 499 |  |  | (166) |  |  | 74 |  |  | 12 |  |  | 6 |  |  | 786
Recoveries on loans |  |  | 30 |  |  | 8 |  |  | - |  |  | - |  |  | - |  |  | 1 |  |  | - |  |  | 39
Loans charged off |  |  | (3,300) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (30) |  |  | (3,330)
Balances, September 30, 2024 |  | $ | 6,060 |  | $ | 3,101 |  | $ | 1,514 |  | $ | 4,122 |  | $ | 1,310 |  | $ | 396 |  | $ | 277 |  | $ | 16,780
|  | Nine Months Ended September 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 |  |  | 5,307 |  |  | (293) |  |  | 283 |  |  | 17 |  |  | (397) |  |  | 57 |  |  | 324 |  |  | 5,298
Recoveries on loans |  |  | 42 |  |  | 23 |  |  | - |  |  | - |  |  | - |  |  | 5 |  |  | - |  |  | 70
Loans charged off |  |  | (5,173) |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | (280) |  |  | (5,453)
Balances, September 30, 2024 |  | $ | 6,060 |  | $ | 3,101 |  | $ | 1,514 |  | $ | 4,122 |  | $ | 1,310 |  | $ | 396 |  | $ | 277 |  | $ | 16,780
‎
|  | 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
Schedule Of Collateral-Dependent Loans By Loan Segment |
| September 30, 2024 (unaudited)
| Residential Real Estate |  | Other |  | Total |  | Allowance on Collateral Dependent Loans
Commercial | $ | - |  | $ | 8,486 |  | $ | 8,486 |  | $ | 360
Real estate: |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | 87 |  |  | - |  |  | 87 |  |  | -
Total | $ | 87 |  | $ | 8,486 |  | $ | 8,573 |  | $ | 360
‎
| 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 nonaccrual loans by class of loans at September 30, 2024 (unaudited):
| Nonaccrual Loans |  | Nonaccrual Loans with no Allowance for Credit Losses
Commercial | $ | 13,053 |  | $ | 7,233
Real estate: |  |  |  |  |
Single-family residential |  | 1,531 |  |  | 1,531
Consumer: |  |  |  |  |
Home equity lines of credit: |  | 13 |  |  | 13
Total nonaccrual loans | $ | 14,597 |  | $ | 8,777
The following table presents the recorded investment in nonaccrual loans by class of loans at December 31, 2023.
| Nonaccrual Loans |  | Nonaccrual 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 September 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 | $ | 50 |  | $ | 89 |  | $ | 5,629 |  | $ | 5,768 |  | $ | 427,148 |  | $ | 7,424
Real estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  | - |  |  | 332 |  |  | 1,481 |  |  | 1,813 |  |  | 459,348 |  |  | 50
Multi-family residential |  | - |  |  | - |  |  | - |  |  | - |  |  | 176,549 |  |  | -
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 231,187 |  |  | -
Owner occupied |  | - |  |  | - |  |  | - |  |  | - |  |  | 193,106 |  |  | -
Land |  | - |  |  | - |  |  | - |  |  | - |  |  | 23,497 |  |  | -
Construction |  | - |  |  | - |  |  | - |  |  | - |  |  | 171,495 |  |  | -
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  | 96 |  |  | - |  |  | - |  |  | 96 |  |  | 40,834 |  |  | 13
Other |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,014 |  |  | -
Total | $ | 146 |  | $ | 421 |  | $ | 7,110 |  | $ | 7,677 |  | $ | 1,726,178 |  | $ | 7,487
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 September 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 | $ | 21,815 |  | $ | 30,831 |  | $ | 71,917 |  | $ | 84,907 |  | $ | 43,990 |  | $ | 11,715 |  | $ | 148,677 |  | $ | 3,038 |  | $ | 416,890
Special Mention |  | - |  |  | - |  |  | 310 |  |  | - |  |  | - |  |  | 78 |  |  | 3,686 |  |  | - |  |  | 4,074
Substandard |  | - |  |  | - |  |  | 7,527 |  |  | 4,375 |  |  | - |  |  | - |  |  | 50 |  |  | - |  |  | 11,952
Total Commercial |  | 21,815 |  |  | 30,831 |  |  | 79,754 |  |  | 89,282 |  |  | 43,990 |  |  | 11,793 |  |  | 152,413 |  |  | 3,038 |  |  | 432,916
Gross charge-offs during the nine months ended September 30, 2024 |  | - |  |  | - |  |  | 1,755 |  |  | 3,418 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 5,173
Real estate loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Single-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | 16,550 |  |  | 35,274 |  |  | 124,035 |  |  | 218,050 |  |  | 43,670 |  |  | 22,051 |  |  | - |  |  | - |  |  | 459,630
Nonperforming |  | - |  |  | 547 |  |  | 370 |  |  | - |  |  | - |  |  | 614 |  |  | - |  |  | - |  |  | 1,531
Total Single-family residential loans |  | 16,550 |  |  | 35,821 |  |  | 124,405 |  |  | 218,050 |  |  | 43,670 |  |  | 22,665 |  |  | - |  |  | - |  |  | 461,161
Multi-family residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 30,593 |  |  | 24,812 |  |  | 8,694 |  |  | 70,038 |  |  | 7,196 |  |  | 35,216 |  |  | - |  |  | - |  |  | 176,549
Total Multi-family residential loans |  | 30,593 |  |  | 24,812 |  |  | 8,694 |  |  | 70,038 |  |  | 7,196 |  |  | 35,216 |  |  | - |  |  | - |  |  | 176,549
Commercial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Non-owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 6,648 |  |  | 51,872 |  |  | 33,477 |  |  | 67,740 |  |  | 14,253 |  |  | 56,692 |  |  | - |  |  | - |  |  | 230,682
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 505 |  |  | - |  |  | - |  |  | 505
Total Non-owner occupied loans |  | 6,648 |  |  | 51,872 |  |  | 33,477 |  |  | 67,740 |  |  | 14,253 |  |  | 57,197 |  |  | - |  |  | - |  |  | 231,187
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 13,486 |  |  | 23,352 |  |  | 55,174 |  |  | 48,680 |  |  | 18,117 |  |  | 33,022 |  |  | - |  |  | - |  |  | 191,831
Special Mention |  | - |  |  | - |  |  | - |  |  | - |  |  | 596 |  |  | - |  |  | - |  |  | - |  |  | 596
Substandard |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 679 |  |  |  |  |  |  |  |  | 679
Total Owner occupied loans |  | 13,486 |  |  | 23,352 |  |  | 55,174 |  |  | 48,680 |  |  | 18,713 |  |  | 33,701 |  |  | - |  |  | - |  |  | 193,106
Land |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | 13,174 |  |  | 4,708 |  |  | - |  |  | 5,255 |  |  | - |  |  | 360 |  |  | - |  |  | - |  |  | 23,497
Total Land loans |  | 13,174 |  |  | 4,708 |  |  | - |  |  | 5,255 |  |  | - |  |  | 360 |  |  | - |  |  | - |  |  | 23,497
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Not Rated |  | 219 |  |  | - |  |  | - |  |  | 1,481 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1,700
Pass |  | 17,574 |  |  | 55,972 |  |  | 65,498 |  |  | 27,122 |  |  | 3,629 |  |  | - |  |  | - |  |  | - |  |  | 169,795
Total Construction loans |  | 17,793 |  |  | 55,972 |  |  | 65,498 |  |  | 28,603 |  |  | 3,629 |  |  | - |  |  | - |  |  | - |  |  | 171,495
Total Real Estate loans |  | 98,244 |  |  | 196,537 |  |  | 287,248 |  |  | 438,366 |  |  | 87,461 |  |  | 149,139 |  |  | - |  |  | - |  |  | 1,256,995
Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity lines of credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Performing |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 37,656 |  |  | 3,261 |  |  | 40,917
Nonperforming |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 13 |  |  | 13
Total Home equity lines of credit |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 37,656 |  |  | 3,274 |  |  | 40,930
Other |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Payment performance |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -
Performing |  | - |  |  | - |  |  | - |  |  | - |  |  | 7 |  |  | 181 |  |  | 2,826 |  |  | - |  |  | 3,014
Total Other consumer loans |  | - |  |  | - |  |  | - |  |  | - |  |  | 7 |  |  | 181 |  |  | 2,826 |  |  | - |  |  | 3,014
Gross charge-offs during the nine months ended September 30, 2024 |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 280 |  |  | - |  |  | 280
Total loans | $ | 120,059 |  | $ | 227,368 |  | $ | 367,002 |  | $ | 527,648 |  | $ | 131,458 |  | $ | 161,113 |  | $ | 192,895 |  | $ | 6,312 |  | $ | 1,733,855
Total gross charge-offs during the nine months ended September 30, 2024 | $ | - |  | $ | - |  | $ | 1,755 |  | $ | 3,418 |  | $ | - |  | $ | - |  | $ | 280 |  | $ | - |  | $ | 5,453
‎ 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
Gross charge-offs for the year ended December 31, 2024 |  | - |  |  | 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
Gross charge-offs for the year ended December 31, 2024 |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3 |  |  | - |  |  | - |  |  | 3
Total loans | $ | 217,575 |  | $ | 394,333 |  | $ | 565,647 |  | $ | 137,812 |  | $ | 68,814 |  | $ | 112,677 |  | $ | 210,582 |  | $ | 3,558 |  | $ | 1,710,998
Total gross charge-offs during the year ended December 31, 2023 | $ | - |  | $ | 564 |  | $ | 211 |  | $ | - |  | $ | - |  | $ | 3 |  | $ | - |  | $ | - |  | $ | 778
Components Of Net Investment In Direct Financing Leases |
| September 30, 2024 |  | December 31, 2023
| (unaudited) |  |  |
Total minimum lease payments to be received | $ | 9,510 |  | $ | 14,343
Less: Unearned income |  | (443) |  |  | (863)
Plus: Indirect initial costs |  | 9 |  |  | 17
Net investment in direct financing leases | $ | 9,076 |  | $ | 13,497
Summary Of Future Minimum Lease Payments Receivable |
2024, excluding the nine months ended September 30, 2024 |  | $ | 1,465
2025 |  |  | 4,836
2026 |  |  | 2,620
2027 |  |  | 539
2028 |  |  | 50
Thereafter |  |  | -
Total future minimum payments |  | $ | 9,510

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