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Loans Receivable (Tables) | 6 Months Ended
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Jun. 30, 2019
Loans Receivable |
Schedule of accounts, notes, loans and financing receivable | Loans receivable are summarized below:
(Dollars in thousands) |  |  |  |  |  |
|  | June 30, 2019 |  | December 31, 2018
Loans secured by real estate: |  |  |  |  |  |
Residential real estate |  | $ | 301,770 |  | $ | 224,082
Home equity |  |  | 50,093 |  |  | 45,423
Commercial real estate |  |  | 275,954 |  |  | 253,104
Construction and land development |  |  | 71,655 |  |  | 64,433
Multifamily |  |  | 51,149 |  |  | 47,234
Farmland |  |  | 234 |  |  | 240
Total loans secured by real estate |  |  | 750,855 |  |  | 634,516
Commercial business |  |  | 112,238 |  |  | 103,628
Consumer |  |  | 10,273 |  |  | 5,293
Government |  |  | 19,284 |  |  | 21,101
Subtotal |  |  | 892,650 |  |  | 764,538
Less: |  |  |  |  |  |
Net deferred loan origination fees |  |  | 1,804 |  |  | 530
Undisbursed loan funds |  |  | (180) |  |  | (668)
Loans receivable |  | $ | 894,274 |  | $ | 764,400
Schedule of allowance for credit loss for financing activities |
(Dollars in thousands) |  | Beginning Balance |  | Charge-offs |  | Recoveries |  | Provisions |  | Ending Balance
The Bancorp’s activity in the allowance for loan losses, by loan segment, is summarized below for the three months ended June 30, 2019:
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 1,680 |  | $ | (18) |  | $ | 4 |  | $ | (6) |  | $ | 1,660
Home equity |  |  | 194 |  |  | — |  |  | 2 |  |  | 6 |  |  | 202
Commercial real estate |  |  | 3,485 |  |  | — |  |  | — |  |  | 44 |  |  | 3,529
Construction and land development |  |  | 777 |  |  | — |  |  | — |  |  | 29 |  |  | 806
Multifamily |  |  | 434 |  |  | — |  |  | — |  |  | 19 |  |  | 453
Farmland |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial business |  |  | 1,391 |  |  | — |  |  | 10 |  |  | 116 |  |  | 1,517
Consumer |  |  | 254 |  |  | (7) |  |  | 6 |  |  | 303 |  |  | 556
Government |  |  | 21 |  |  | — |  |  | — |  |  | — |  |  | 21
Total |  | $ | 8,236 |  | $ | (25) |  | $ | 22 |  | $ | 511 |  | $ | 8,744
The Bancorp’s activity in the allowance for loan losses, by loan segment, is summarized below for the three months ended June 30, 2018:
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 1,493 |  | $ | (38) |  | $ | — |  | $ | 68 |  | $ | 1,523
Home equity |  |  | 159 |  |  | (5) |  |  | — |  |  | 29 |  |  | 183
Commercial real estate |  |  | 2,996 |  |  | — |  |  | 2 |  |  | 172 |  |  | 3,170
Construction and land development |  |  | 661 |  |  | — |  |  | — |  |  | (50) |  |  | 611
Multifamily |  |  | 615 |  |  | — |  |  | — |  |  | (8) |  |  | 607
Farmland |  |  | 4 |  |  | — |  |  | — |  |  | — |  |  | 4
Commercial business |  |  | 1,077 |  |  | (3) |  |  | 107 |  |  | 83 |  |  | 1,264
Consumer |  |  | 35 |  |  | (14) |  |  | 5 |  |  | 10 |  |  | 36
Government |  |  | 57 |  |  | — |  |  | — |  |  | (7) |  |  | 50
Total |  | $ | 7,097 |  | $ | (60) |  | $ | 114 |  | $ | 297 |  | $ | 7,448
The Bancorp’s activity in the allowance for loan losses, by loan segment, is summarized below for the six months ended June 30, 2019:
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 1,715 |  | $ | (66) |  | $ | 18 |  | $ | (7) |  | $ | 1,660
Home equity |  |  | 202 |  |  | — |  |  | 2 |  |  | (2) |  |  | 202
Commercial real estate |  |  | 3,335 |  |  | — |  |  | — |  |  | 194 |  |  | 3,529
Construction and land development |  |  | 756 |  |  | — |  |  | — |  |  | 50 |  |  | 806
Multifamily |  |  | 472 |  |  | — |  |  | — |  |  | (19) |  |  | 453
Farmland |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial business |  |  | 1,362 |  |  | — |  |  | 16 |  |  | 139 |  |  | 1,517
Consumer |  |  | 82 |  |  | (25) |  |  | 9 |  |  | 490 |  |  | 556
Government |  |  | 38 |  |  | — |  |  | — |  |  | (17) |  |  | 21
Total |  | $ | 7,962 |  | $ | (91) |  | $ | 45 |  | $ | 828 |  | $ | 8,744
The Bancorp’s activity in the allowance for loan losses, by loan segment, is summarized below for the six months ended June 30, 2018:
Allowance for loan losses: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 1,568 |  | $ | (106) |  | $ | — |  | $ | 61 |  | $ | 1,523
Home equity |  |  | 166 |  |  | (24) |  |  | — |  |  | 41 |  |  | 183
Commercial real estate |  |  | 3,125 |  |  | (119) |  |  | 2 |  |  | 162 |  |  | 3,170
Construction and land development |  |  | 618 |  |  | — |  |  | — |  |  | (7) |  |  | 611
Multifamily |  |  | 622 |  |  | — |  |  | — |  |  | (15) |  |  | 607
Farmland |  |  | — |  |  |  |  |  |  |  |  | 4 |  |  | 4
Commercial business |  |  | 1,298 |  |  | (529) |  |  | 117 |  |  | 378 |  |  | 1,264
Consumer |  |  | 31 |  |  | (22) |  |  | 9 |  |  | 18 |  |  | 36
Government |  |  | 54 |  |  | — |  |  | — |  |  | (4) |  |  | 50
Total |  | $ | 7,482 |  | $ | (800) |  | $ | 128 |  | $ | 638 |  | $ | 7,448
Schedule of individually impaired loans receivables | The Bancorp’s impairment analysis is summarized below:
|  | Ending Balances
|  |  |  |  |  |  |  |  |  |  |  |  |  | Purchased credit |  |  |
|  | Individually |  | Collectively |  |  |  |  |  |  |  | impaired loans |  | Loans
(Dollars in thousands) |  | evaluated for |  | evaluated for |  |  |  |  | Loans individually |  | individually |  | collectively
|  | impairment |  | impairment |  |  |  |  | evaluated for |  | evaluated for |  | evaluated for
|  | reserves |  | reserves |  | Loan receivables |  | impairment |  | impairment |  | impairment
The Bancorp’s allowance for loan losses impairment evaluation and loan receivables are summarized below at June 30, 2019:
Residential real estate |  | $ | 22 |  | $ | 1,638 |  | $ | 301,488 |  | $ | 547 |  | $ | 1,894 |  | $ | 299,047
Home equity |  |  | 11 |  |  | 191 |  |  | 50,155 |  |  | 214 |  |  | 225 |  |  | 49,716
Commercial real estate |  |  | 196 |  |  | 3,333 |  |  | 275,954 |  |  | 1,651 |  |  | 485 |  |  | 273,818
Construction and land development |  |  | — |  |  | 806 |  |  | 71,655 |  |  | — |  |  | — |  |  | 71,655
Multifamily |  |  | — |  |  | 453 |  |  | 51,149 |  |  | — |  |  | 701 |  |  | 50,448
Farmland |  |  | — |  |  | — |  |  | 234 |  |  | — |  |  | — |  |  | 234
Commercial business |  |  | 334 |  |  | 1,183 |  |  | 112,076 |  |  | 1,753 |  |  | 1,152 |  |  | 109,171
Consumer |  |  | — |  |  | 556 |  |  | 12,279 |  |  | — |  |  | — |  |  | 12,279
Government |  |  | — |  |  | 21 |  |  | 19,284 |  |  | — |  |  | — |  |  | 19,284
Total |  | $ | 563 |  | $ | 8,181 |  | $ | 894,274 |  | $ | 4,165 |  | $ | 4,457 |  | $ | 885,652
The Bancorp’s allowance for loan losses impairment evaluation and loan receivables are summarized below at December 31, 2018:
Residential real estate |  | $ | 22 |  |  | 1,693 |  |  | 223,323 |  | $ | 570 |  | $ | 980 |  | $ | 221,773
Home equity |  |  | 9 |  |  | 193 |  |  | 45,483 |  |  | 141 |  |  | 123 |  |  | 45,219
Commercial real estate |  |  | 210 |  |  | 3,125 |  |  | 253,104 |  |  | 1,703 |  |  | 402 |  |  | 250,999
Construction and land development |  |  | — |  |  | 756 |  |  | 64,433 |  |  | — |  |  | — |  |  | 64,433
Multifamily |  |  | — |  |  | 472 |  |  | 47,234 |  |  | — |  |  | — |  |  | 47,234
Farmland |  |  | — |  |  | — |  |  | 240 |  |  | — |  |  | — |  |  | 240
Commercial business |  |  | 5 |  |  | 1,357 |  |  | 103,439 |  |  | 423 |  |  | 1,440 |  |  | 101,576
Consumer |  |  | — |  |  | 82 |  |  | 6,043 |  |  | — |  |  | — |  |  | 6,043
Government |  |  | — |  |  | 38 |  |  | 21,101 |  |  | — |  |  | — |  |  | 21,101
Total |  | $ | 246 |  | $ | 7,716 |  | $ | 764,400 |  | $ | 2,837 |  | $ | 2,945 |  | $ | 758,618
Schedule of financing receivable credit quality indicators | The Bancorp’s credit quality indicators are summarized below at June 30, 2019 and December 31, 2018:
|  | Credit Exposure - Credit Risk Portfolio By Creditworthiness Category
|  | June 30, 2019
(Dollars in thousands) |  | 2 |  | 3 |  | 4 |  | 5 |  | 6 |  | 7 |  | 8 |  |  |
|  |  |  |  | Above average |  |  |  |  | Marginally |  |  |  |  |  |  |  |  |  |  |  |
Loan Segment |  | Moderate |  | acceptable |  | Acceptable |  | acceptable |  | Pass/monitor |  | Special mention |  | Substandard |  | Total
Residential real estate |  | $ | 881 |  | $ | 115,857 |  | $ | 105,661 |  | $ | 13,342 |  |  | 55,872 |  |  | 3,900 |  | $ | 5,975 |  | $ | 301,488
Home equity |  |  | 64 |  |  | 7,639 |  |  | 39,725 |  |  | 258 |  |  | 1,161 |  |  | 744 |  |  | 564 |  |  | 50,155
Commercial real estate |  |  | — |  |  | 4,336 |  |  | 85,845 |  |  | 126,413 |  |  | 53,058 |  |  | 4,253 |  |  | 2,049 |  |  | 275,954
Construction and land development |  |  | — |  |  | 310 |  |  | 23,891 |  |  | 32,407 |  |  | 15,047 |  |  | — |  |  | — |  |  | 71,655
Multifamily |  |  | — |  |  | 934 |  |  | 18,915 |  |  | 27,298 |  |  | 3,161 |  |  | 140 |  |  | 701 |  |  | 51,149
Farmland |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 234 |  |  | — |  |  | — |  |  | 234
Commercial business |  |  | 9,634 |  |  | 21,596 |  |  | 20,230 |  |  | 36,348 |  |  | 20,081 |  |  | 2,423 |  |  | 1,764 |  |  | 112,076
Consumer |  |  | 2,155 |  |  | 2,666 |  |  | 6,371 |  |  | 190 |  |  | 897 |  |  | — |  |  | — |  |  | 12,279
Government |  |  | — |  |  | 1,889 |  |  | 13,485 |  |  | 3,910 |  |  | — |  |  | — |  |  | — |  |  | 19,284
Total |  | $ | 12,734 |  | $ | 155,227 |  | $ | 314,123 |  | $ | 240,166 |  | $ | 149,511 |  | $ | 11,460 |  | $ | 11,053 |  | $ | 894,274
|  | December 31, 2018
(Dollars in thousands) |  | 2 |  | 3 |  | 4 |  | 5 |  | 6 |  | 7 |  | 8 |  |  |
|  |  |  |  | Above average |  |  |  |  | Marginally |  |  |  |  |  |  |  |  |  |  |  |
Loan Segment |  | Moderate |  | acceptable |  | Acceptable |  | acceptable |  | Pass/monitor |  | Special mention |  | Substandard |  | Total
Residential real estate |  | $ | 261 |  | $ | 58,276 |  | $ | 100,374 |  | $ | 10,404 |  | $ | 44,734 |  | $ | 3,908 |  | $ | 5,366 |  | $ | 223,323
Home equity |  |  | 192 |  |  | 3,736 |  |  | 40,165 |  |  | 37 |  |  | 323 |  |  | 657 |  |  | 373 |  |  | 45,483
Commercial real estate |  |  | — |  |  | 5,042 |  |  | 78,611 |  |  | 110,984 |  |  | 51,982 |  |  | 4,715 |  |  | 1,770 |  |  | 253,104
Construction and land development |  |  | — |  |  | 322 |  |  | 24,271 |  |  | 29,383 |  |  | 10,457 |  |  | — |  |  | — |  |  | 64,433
Multifamily |  |  | — |  |  | 569 |  |  | 19,255 |  |  | 23,417 |  |  | 3,844 |  |  | 149 |  |  | — |  |  | 47,234
Farmland |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 240 |  |  | — |  |  | — |  |  | 240
Commercial business |  |  | 10,655 |  |  | 19,127 |  |  | 20,941 |  |  | 34,996 |  |  | 14,034 |  |  | 2,958 |  |  | 728 |  |  | 103,439
Consumer |  |  | 925 |  |  | 2,953 |  |  | 1,040 |  |  | 196 |  |  | 909 |  |  | 20 |  |  | — |  |  | 6,043
Government |  |  | — |  |  | 2,111 |  |  | 14,795 |  |  | 4,195 |  |  | — |  |  | — |  |  | — |  |  | 21,101
Total |  | $ | 12,033 |  | $ | 92,136 |  | $ | 299,452 |  | $ | 213,612 |  | $ | 126,523 |  | $ | 12,407 |  | $ | 8,237 |  | $ | 764,400
Schedule of impaired financing receivables | The Bancorp’s individually evaluated impaired loans are summarized below:
|  |  |  |  |  |  |  |  |  |  | For the six months ended
|  | As of June 30, 2019 |  | June 30, 2019
|  | Recorded |  | Unpaid Principal |  |  |  | Average Recorded |  | Interest Income
(Dollars in thousands) |  | Investment |  | Balance |  | Related Allowance |  | Investment |  | Recognized
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 2,284 |  | $ | 3,762 |  | $ | — |  | $ | 1,813 |  | $ | 31
Home equity |  |  | 375 |  |  | 398 |  |  | — |  |  | 344 |  |  | 3
Commercial real estate |  |  | 1,665 |  |  | 2,264 |  |  | — |  |  | 1,655 |  |  | 33
Construction and land development |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Multifamily |  |  | 701 |  |  | 783 |  |  | — |  |  | 472 |  |  | 3
Farmland |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial business |  |  | 2,565 |  |  | 2,695 |  |  | — |  |  | 1,967 |  |  | 43
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Government |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  | 157 |  |  | 157 |  |  | 22 |  |  | 159 |  |  | 2
Home equity |  |  | 64 |  |  | 64 |  |  | 11 |  |  | 59 |  |  | 1
Commercial real estate |  |  | 471 |  |  | 471 |  |  | 196 |  |  | 478 |  |  | —
Construction and land development |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Multifamily |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Farmland |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial business |  |  | 340 |  |  | 340 |  |  | 334 |  |  | 145 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Government |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 2,441 |  | $ | 3,919 |  | $ | 22 |  | $ | 1,972 |  | $ | 33
Home equity |  | $ | 439 |  | $ | 462 |  | $ | 11 |  | $ | 403 |  | $ | 4
Commercial real estate |  | $ | 2,136 |  | $ | 2,735 |  | $ | 196 |  | $ | 2,133 |  | $ | 33
Construction & land development |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Multifamily |  | $ | 701 |  | $ | 783 |  | $ | — |  | $ | 472 |  | $ | 3
Farmland |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Commercial business |  | $ | 2,905 |  | $ | 3,035 |  | $ | 334 |  | $ | 2,112 |  | $ | 43
Consumer |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Government |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
|  |  |  |  |  |  |  |  |  |  | For the six months ended
|  | As of December 31, 2018 |  | June 30, 2018
|  | Recorded |  | Unpaid Principal |  |  |  |  | Average Recorded |  | Interest Income
(Dollars in thousands) |  | Investment |  | Balance |  | Related Allowance |  | Investment |  | Recognized
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 1,389 |  | $ | 3,628 |  | $ | — |  | $ | 1,108 |  | $ | 16
Home equity |  |  | 207 |  |  | 214 |  |  | — |  |  | 45 |  |  | —
Commercial real estate |  |  | 1,624 |  |  | 2,222 |  |  | — |  |  | 561 |  |  | —
Construction & land development |  |  | — |  |  | — |  |  | — |  |  | 89 |  |  | —
Multifamily |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Farmland |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial business |  |  | 1,799 |  |  | 2,038 |  |  | — |  |  | 257 |  |  | —
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Government |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  |  | 161 |  |  | 161 |  |  | 22 |  |  | 114 |  |  | 10
Home equity |  |  | 57 |  |  | 57 |  |  | 9 |  |  | 20 |  |  | —
Commercial real estate |  |  | 481 |  |  | 481 |  |  | 210 |  |  | 160 |  |  | 16
Construction & land development |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Multifamily |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Farmland |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Commercial business |  |  | 64 |  |  | 64 |  |  | 5 |  |  | 186 |  |  | 8
Consumer |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Government |  |  | — |  |  | — |  |  | — |  |  | — |  |  | —
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 1,550 |  | $ | 3,789 |  | $ | 22 |  | $ | 1,222 |  | $ | 26
Home equity |  | $ | 264 |  | $ | 271 |  | $ | 9 |  | $ | 65 |  | $ | —
Commercial real estate |  | $ | 2,105 |  | $ | 2,703 |  | $ | 210 |  | $ | 721 |  | $ | 16
Construction & land development |  | $ | — |  | $ | — |  | $ | — |  | $ | 89 |  | $ | —
Multifamily |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Farmland |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Commercial business |  | $ | 1,863 |  | $ | 2,102 |  | $ | 5 |  | $ | 443 |  | $ | 8
Consumer |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Government |  | $ | — |  | $ | — |  | $ | — |  | $ | — |  | $ | —
Schedule of past due financing receivables | The Bancorp’s age analysis of past due loans is summarized below:
(Dollars in thousands) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investments
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Greater than 90
|  | 30‑59 Days Past |  | 60‑89 Days Past |  | Greater Than 90 |  |  |  |  |  |  |  |  |  |  | Days Past Due
|  | Due |  | Due |  | Days Past Due |  | Total Past Due |  | Current |  | Total Loans |  | and Accruing
June 30, 2019 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 4,342 |  | $ | 1,597 |  | $ | 4,612 |  | $ | 10,551 |  | $ | 290,937 |  | $ | 301,488 |  | $ | 294
Home equity |  |  | 245 |  |  | 6 |  |  | 426 |  |  | 677 |  |  | 49,478 |  |  | 50,155 |  |  | —
Commercial real estate |  |  | 753 |  |  | 174 |  |  | 1,146 |  |  | 2,073 |  |  | 273,881 |  |  | 275,954 |  |  | 220
Construction and land development |  |  | 248 |  |  | — |  |  | — |  |  | 248 |  |  | 71,407 |  |  | 71,655 |  |  | —
Multifamily |  |  | — |  |  | — |  |  | 438 |  |  | 438 |  |  | 50,711 |  |  | 51,149 |  |  | 173
Farmland |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 234 |  |  | 234 |  |  | —
Commercial business |  |  | 372 |  |  | 331 |  |  | 1,320 |  |  | 2,023 |  |  | 110,053 |  |  | 112,076 |  |  | 238
Consumer |  |  | 181 |  |  | 34 |  |  | — |  |  | 215 |  |  | 12,064 |  |  | 12,279 |  |  | —
Government |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 19,284 |  |  | 19,284 |  |  | —
Total |  | $ | 6,141 |  | $ | 2,142 |  | $ | 7,942 |  | $ | 16,225 |  | $ | 878,049 |  | $ | 894,274 |  | $ | 925
December 31, 2018 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Residential real estate |  | $ | 3,659 |  | $ | 909 |  | $ | 4,362 |  | $ | 8,930 |  | $ | 214,393 |  | $ | 223,323 |  | $ | 122
Home equity |  |  | 143 |  |  | 5 |  |  | 304 |  |  | 452 |  |  | 45,031 |  |  | 45,483 |  |  | 50
Commercial real estate |  |  | 842 |  |  | 18 |  |  | 611 |  |  | 1,471 |  |  | 251,633 |  |  | 253,104 |  |  | —
Construction and land development |  |  | 491 |  |  | 533 |  |  | — |  |  | 1,024 |  |  | 63,409 |  |  | 64,433 |  |  | —
Multifamily |  |  | — |  |  | 149 |  |  | — |  |  | 149 |  |  | 47,085 |  |  | 47,234 |  |  | —
Farmland |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 240 |  |  | 240 |  |  | —
Commercial business |  |  | 733 |  |  | 260 |  |  | 436 |  |  | 1,429 |  |  | 102,010 |  |  | 103,439 |  |  | 149
Consumer |  |  | 1 |  |  | 72 |  |  | — |  |  | 73 |  |  | 5,970 |  |  | 6,043 |  |  | —
Government |  |  | — |  |  | — |  |  | — |  |  | — |  |  | 21,101 |  |  | 21,101 |  |  | —
Total |  | $ | 5,869 |  | $ | 1,946 |  | $ | 5,713 |  | $ | 13,528 |  | $ | 750,872 |  | $ | 764,400 |  | $ | 321
Schedule of financing receivables, non accrual status | The Bancorp’s loans on nonaccrual status are summarized below:
(Dollars in thousands) |  | June 30, |  | December 31,
|  | 2019 |  | 2018
Residential real estate |  | $ | 5,720 |  | $ | 5,135
Home equity |  |  | 543 |  |  | 270
Commercial real estate |  |  | 926 |  |  | 695
Construction and land development |  |  | — |  |  | —
Multifamily |  |  | 265 |  |  | —
Farmland |  |  | — |  |  | —
Commercial business |  |  | 1,521 |  |  | 495
Consumer |  |  | — |  |  | —
Government |  |  | — |  |  | —
Total |  | $ | 8,975 |  | $ | 6,595
Summary of Financing Receivables Acquired [Table Text Block] | For the acquisitions of First Federal Savings & Loan (“First Federal”), Liberty Savings Bank (“Liberty Savings”), First Personal Bank (“First Personal”), and A.J. Smith Federal Savings Bank (“AJ Smith”), as part of the fair value of loans receivable, a net fair value discount was established for loans as summarized below:
|  | First Federal |  | Liberty Savings |  | First Personal |  | AJ Smith
|  | Net fair value |  | Accretable period |  | Net fair value |  | Accretable period |  | Net fair value |  | Accretable period |  | Net fair value |  | Accretable period
(dollars in thousands) |  | discount |  | in months |  | discount |  | in months |  | discount |  | in months |  | discount |  | in months
Residential real estate |  | $ | 1,062 |  |  | 59 |  | $ | 1,203 |  | 44 |  | $ | 948 |  | 56 |  | $ | 3,734 |  | 52
Home equity |  |  | 44 |  |  | 29 |  |  | 5 |  | 29 |  |  | 51 |  | 50 |  |  | 141 |  | 32
Commercial real estate |  |  | — |  |  | 0 |  |  | — |  | 0 |  |  | 208 |  | 56 |  |  | 8 |  | 9
Construction and land development |  |  | — |  |  | 0 |  |  | — |  | 0 |  |  | 1 |  | 30 |  |  | — |  | 0
Multifamily |  |  | — |  |  | 0 |  |  | — |  | 0 |  |  | 11 |  | 48 |  |  | 2 |  | 48
Consumer |  |  | — |  |  | 0 |  |  | — |  | 0 |  |  | 146 |  | 50 |  |  | 1 |  | 5
Commercial business |  |  | — |  |  | 0 |  |  | — |  | 0 |  |  | 348 |  | 24 |  |  | — |  | 0
Purchased credit impaired loans |  |  | — |  |  | 0 |  |  | — |  | 0 |  |  | 424 |  | 32 |  |  | — |  | 0
Total |  | $ | 1,106 |  |  |  |  | $ | 1,208 |  |  |  | $ | 2,137 |  |  |  | $ | 3,886 |  |
Summary of Accretable Yield from Acquired Financing Receivables [Table Text Block] | Accretable yield, or income recorded for the six months ended June 30, is as follows:
(dollars in thousands) |  | First Federal |  | Liberty Savings |  | First Personal |  | AJ Smith |  | Total
2018 |  | $ | 36 |  | $ | 68 |  | $ | — |  | $ | — |  | $ | 104
2019 |  |  | 22 |  |  | 42 |  |  | 357 |  |  | 451 |  | $ | 872
Summary of Future Accretable Yield from Acquired Financing Receivables [Table Text Block] | Accretable yield, or income expected to be recorded in the future is as follows:
(dollars in thousands) |  | First Personal |  | AJ Smith |  | Total
2019 |  | $ | 281 |  | $ | 455 |  | $ | 736
2020 |  |  | 538 |  |  | 879 |  |  | 1,417
2021 |  |  | 345 |  |  | 871 |  |  | 1,216
2022 |  |  | 334 |  |  | 871 |  |  | 1,205
2023 |  |  | 75 |  |  | 359 |  |  | 434
Total |  | $ | 1,573 |  | $ | 3,435 |  | $ | 5,008

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