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Loans (Tables) | 6 Months Ended
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Jun. 30, 2022
Receivables [Abstract] |
Major Classification of Loans | Major classifications of loans at the indicated dates are as follows:
|  | June 30, |  |  | December 31, |
(In thousands) |  | 2022 |  |  | 2021 |
Residential mortgage loans: |  |  |  |  |  |
1-4 family first-lien residential mortgages |  | $ | 240,997 |  |  | $ | 240,434 |
Construction |  |  | 16,241 |  |  |  | 6,329 |
Loans held-for-sale |  |  | - |  |  |  | 513 |
Total residential mortgage loans |  |  | 257,238 |  |  |  | 247,276 |
Commercial loans: |  |  |  |  |  |
Real estate |  |  | 320,439 |  |  |  | 288,450 |
Lines of credit |  |  | 76,610 |  |  |  | 61,884 |
Other commercial and industrial |  |  | 70,205 |  |  |  | 69,135 |
Paycheck Protection Program loans |  |  | 4,877 |  |  |  | 19,338 |
Tax exempt loans |  |  | 5,390 |  |  |  | 5,811 |
Total commercial loans |  |  | 477,521 |  |  |  | 444,618 |
Consumer loans: |  |  |  |  |  |
Home equity and junior liens |  |  | 33,267 |  |  |  | 31,737 |
Other consumer |  |  | 99,326 |  |  |  | 110,108 |
Total consumer loans |  |  | 132,593 |  |  |  | 141,845 |
Total loans |  |  | 867,352 |  |  |  | 833,739 |
Net deferred loan fees |  |  | (1,063 | ) |  |  | (1,280 | )
Less allowance for loan losses |  |  | 13,078 |  |  |  | 12,935 |
Loans receivable, net |  | $ | 853,211 |  |  | $ | 819,524 |
Summary of Purchased Loans Pools | The following tables detail the purchased loan pool positions held by the Bank at June 30, 2022 and December 31, 2021 (the month/year of the earliest acquisition date is depicted in parentheses):
(In thousands, except number of loans) |  | June 30, 2022 |
|  | Original Balance |  |  | Current Balance |  |  | Unamortized Premium/ (Discount) |  |  | Number of Loans |  |  | Maturity Range |  | Cumulative net charge-offs |
Automobile loans (1/2017) |  | $ | 50,400 |  |  | $ | 6,100 |  |  | $ | 198 |  |  |  | 684 |  |  | 0-5 years |  | $ | 239 |
Commercial and industrial loans (6/2019) |  |  | 6,800 |  |  |  | 3,700 |  |  |  | - |  |  |  | 26 |  |  | 3-7 years |  |  | - |
Home equity lines of credit (8/2019) |  |  | 21,900 |  |  |  | 7,100 |  |  |  | 215 |  |  |  | 163 |  |  | 1-27 years |  |  | - |
Unsecured consumer loan pool 2 (11/2019) |  |  | 26,600 |  |  |  | 3,200 |  |  |  | 19 |  |  |  | 1,073 |  |  | 0-3 years |  |  | - |
Residential real estate loans (12/2019) |  |  | 4,300 |  |  |  | 4,000 |  |  |  | 248 |  |  |  | 50 |  |  | 16-23 years |  |  | - |
Unsecured consumer loan pool 1 (12/2019) |  |  | 5,400 |  |  |  | 2,400 |  |  |  | - |  |  |  | 59 |  |  | 2-4 years |  |  | - |
Unsecured consumer installment loans pool 3 (12/2019) |  |  | 10,300 |  |  |  | 1,400 |  |  |  | 53 |  |  |  | 787 |  |  | 0-6 years |  |  | 46 |
Secured consumer installment loans pool 4 (12/2020) |  |  | 14,500 |  |  |  | 11,900 |  |  |  | (1,624 | ) |  |  | 539 |  |  | 23-24 years |  |  | - |
Unsecured consumer loans pool 5 (1/2021) |  |  | 24,400 |  |  |  | 18,100 |  |  |  | (530 | ) |  |  | 707 |  |  | 8-23 years |  |  | - |
Commercial Line of Credit 1 (3/2021) |  |  | 11,600 |  |  |  | 10,700 |  |  |  | 20 |  |  |  | 1 |  |  | 0-1 year |  |  | - |
Secured consumer installment loans (11/2021) |  |  | 21,300 |  |  |  | 20,500 |  |  |  | (3,403 | ) |  |  | 872 |  |  | 18-25 years |  |  | - |
Commercial Line of Credit 2 (11/2021) |  |  | 10,500 |  |  |  | 9,300 |  |  |  | 29 |  |  |  | 1 |  |  | 0-1 year |  |  | - |
Unsecured consumer loans pool 6 (11/2021) |  |  | 22,200 |  |  |  | 21,200 |  |  |  | (2,606 | ) |  |  | 559 |  |  | 9-24 years |  |  | - |
Total |  | $ | 230,200 |  |  | $ | 119,600 |  |  | $ | (7,381 | ) |  |  | 5,521 |  |  |  |  | $ | 285 |
(In thousands, except number of loans) |  | December 31, 2021 |
|  | Original Balance |  |  | Current Balance |  |  | Unamortized Premium/ (Discount) |  |  | Number of Loans |  |  | Maturity Range |  | Cumulative net charge-offs |
Automobile loans (1/2017) |  | $ | 50,400 |  |  | $ | 8,800 |  |  | $ | 301 |  |  |  | 855 |  |  | 0-5 years |  | $ | 239 |
Commercial and industrial loans (6/2019) |  |  | 6,800 |  |  |  | 3,900 |  |  |  | - |  |  |  | 33 |  |  | 4-8 years |  |  | - |
Home equity lines of credit (8/2019) |  |  | 21,900 |  |  |  | 8,400 |  |  |  | 243 |  |  |  | 187 |  |  | 2-28 years |  |  | - |
Unsecured consumer loan pool 2 (11/2019) |  |  | 26,600 |  |  |  | 6,300 |  |  |  | 30 |  |  |  | 1,438 |  |  | 1-3 years |  |  | - |
Residential real estate loans (12/2019) |  |  | 4,300 |  |  |  | 4,100 |  |  |  | 257 |  |  |  | 51 |  |  | 17-23 years |  |  | - |
Unsecured consumer loan pool 1 (12/2019) |  |  | 5,400 |  |  |  | 2,600 |  |  |  | - |  |  |  | 66 |  |  | 3-5 years |  |  | - |
Unsecured consumer installment loans pool 3 (12/2019) |  |  | 10,300 |  |  |  | 2,200 |  |  |  | 74 |  |  |  | 1,356 |  |  | 0-6 years |  |  | 30 |
Secured consumer installment loans pool 4 (12/2020) |  |  | 14,500 |  |  |  | 12,600 |  |  |  | (1,776 | ) |  |  | 563 |  |  | 23-24 years |  |  | - |
Unsecured consumer loans pool 5 (1/2021) |  |  | 24,400 |  |  |  | 19,700 |  |  |  | (583 | ) |  |  | 756 |  |  | 8-23 years |  |  | - |
Commercial Line of Credit 1 (3/2021) |  |  | 11,600 |  |  |  | 7,100 |  |  |  | 26 |  |  |  | 1 |  |  | 0-1 year |  |  | - |
Secured consumer installment loans (11/2021) |  |  | 21,300 |  |  |  | 21,400 |  |  |  | (3,642 | ) |  |  | 900 |  |  | 19-25 years |  |  | - |
Commercial Line of Credit 2 (11/2021) |  |  | 10,500 |  |  |  | 9,300 |  |  |  | 35 |  |  |  | 1 |  |  | 0-1 year |  |  | - |
Unsecured consumer loans pool 6 (11/2021) |  |  | 22,200 |  |  |  | 22,100 |  |  |  | (2,785 | ) |  |  | 564 |  |  | 9-24 years |  |  | - |
Total |  | $ | 230,200 |  |  | $ | 128,500 |  |  | $ | (7,820 | ) |  |  | 6,771 |  |  |  |  | $ | 269 |
Summary of Classes of Loan Portfolio | The following tables present the classes of the loan portfolio, not including net deferred loan costs, summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Company's internal risk rating system as of the dates indicated:
|  | As of June 30, 2022 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |
(In thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family first-lien residential mortgages |  | $ | 238,956 |  |  | $ | 406 |  |  | $ | 971 |  |  | $ | 664 |  |  | $ | 240,997 |
Construction |  |  | 16,241 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 16,241 |
Total residential mortgage loans |  |  | 255,197 |  |  |  | 406 |  |  |  | 971 |  |  |  | 664 |  |  |  | 257,238 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 299,460 |  |  |  | 9,646 |  |  |  | 10,828 |  |  |  | 505 |  |  |  | 320,439 |
Lines of credit |  |  | 69,076 |  |  |  | 4,244 |  |  |  | 3,246 |  |  |  | 44 |  |  |  | 76,610 |
Other commercial and industrial |  |  | 58,315 |  |  |  | 4,364 |  |  |  | 7,379 |  |  |  | 147 |  |  |  | 70,205 |
Paycheck Protection Program loans |  |  | 4,877 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 4,877 |
Tax exempt loans |  |  | 5,390 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5,390 |
Total commercial loans |  |  | 437,118 |  |  |  | 18,254 |  |  |  | 21,453 |  |  |  | 696 |  |  |  | 477,521 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and junior liens |  |  | 32,241 |  |  |  | 172 |  |  |  | 630 |  |  |  | 224 |  |  |  | 33,267 |
Other consumer |  |  | 99,297 |  |  |  | 14 |  |  |  | 15 |  |  |  | - |  |  |  | 99,326 |
Total consumer loans |  |  | 131,538 |  |  |  | 186 |  |  |  | 645 |  |  |  | 224 |  |  |  | 132,593 |
Total loans |  | $ | 823,853 |  |  | $ | 18,846 |  |  | $ | 23,069 |  |  | $ | 1,584 |  |  | $ | 867,352 |
|  | As of December 31, 2021 |
|  |  |  |  | Special |  |  |  |  |  |  |  |  |  |
(In thousands) |  | Pass |  |  | Mention |  |  | Substandard |  |  | Doubtful |  |  | Total |
Residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family first-lien residential mortgages |  | $ | 238,823 |  |  | $ | 269 |  |  | $ | 811 |  |  | $ | 531 |  |  | $ | 240,434 |
Construction |  |  | 6,329 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6,329 |
Loans held-for-sale |  |  | 513 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 513 |
Total residential mortgage loans |  |  | 245,665 |  |  |  | 269 |  |  |  | 811 |  |  |  | 531 |  |  |  | 247,276 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 267,388 |  |  |  | 9,879 |  |  |  | 10,604 |  |  |  | 579 |  |  |  | 288,450 |
Lines of credit |  |  | 54,408 |  |  |  | 4,036 |  |  |  | 3,387 |  |  |  | 53 |  |  |  | 61,884 |
Other commercial and industrial |  |  | 56,719 |  |  |  | 3,907 |  |  |  | 8,321 |  |  |  | 188 |  |  |  | 69,135 |
Paycheck Protection Program loans |  |  | 19,338 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 19,338 |
Tax exempt loans |  |  | 5,811 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5,811 |
Total commercial loans |  |  | 403,664 |  |  |  | 17,822 |  |  |  | 22,312 |  |  |  | 820 |  |  |  | 444,618 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and junior liens |  |  | 30,740 |  |  |  | 133 |  |  |  | 606 |  |  |  | 258 |  |  |  | 31,737 |
Other consumer |  |  | 109,979 |  |  |  | 44 |  |  |  | 77 |  |  |  | 8 |  |  |  | 110,108 |
Total consumer loans |  |  | 140,719 |  |  |  | 177 |  |  |  | 683 |  |  |  | 266 |  |  |  | 141,845 |
Total loans |  | $ | 790,048 |  |  | $ | 18,268 |  |  | $ | 23,806 |  |  | $ | 1,617 |  |  | $ | 833,739 |
Age Analysis of Past Due Loans Segregated by Portfolio Segment and Class of Loans | An age analysis of past due loans, not including net deferred loan costs, segregated by portfolio segment and class of loans, as of June 30, 2022 and December 31, 2021, are detailed in the following tables:
|  | As of June 30, 2022 |
|  | 30-59 Days |  |  | 60-89 Days |  |  | 90 Days |  |  | Total |  |  |  |  |  | Total Loans |
(In thousands) |  | Past Due |  |  | Past Due |  |  | and Over |  |  | Past Due |  |  | Current |  |  | Receivable |
Residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family first-lien residential mortgages |  | $ | 168 |  |  | $ | 352 |  |  | $ | 1,462 |  |  | $ | 1,982 |  |  | $ | 239,015 |  |  | $ | 240,997 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 16,241 |  |  |  | 16,241 |
Loans held-for-sale |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total residential mortgage loans |  |  | 168 |  |  |  | 352 |  |  |  | 1,462 |  |  |  | 1,982 |  |  |  | 255,256 |  |  |  | 257,238 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 1,090 |  |  |  | 258 |  |  |  | 4,444 |  |  |  | 5,792 |  |  |  | 314,647 |  |  |  | 320,439 |
Lines of credit |  |  | 1,127 |  |  |  | 8 |  |  |  | 1,750 |  |  |  | 2,885 |  |  |  | 73,725 |  |  |  | 76,610 |
Other commercial and industrial |  |  | 615 |  |  |  | 649 |  |  |  | 2,073 |  |  |  | 3,337 |  |  |  | 66,868 |  |  |  | 70,205 |
Paycheck Protection Program loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 4,877 |  |  |  | 4,877 |
Tax exempt loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5,390 |  |  |  | 5,390 |
Total commercial loans |  |  | 2,832 |  |  |  | 915 |  |  |  | 8,267 |  |  |  | 12,014 |  |  |  | 465,507 |  |  |  | 477,521 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and junior liens |  |  | 69 |  |  |  | 94 |  |  |  | 379 |  |  |  | 542 |  |  |  | 32,725 |  |  |  | 33,267 |
Other consumer |  |  | 383 |  |  |  | 233 |  |  |  | 1,228 |  |  |  | 1,844 |  |  |  | 97,482 |  |  |  | 99,326 |
Total consumer loans |  |  | 452 |  |  |  | 327 |  |  |  | 1,607 |  |  |  | 2,386 |  |  |  | 130,207 |  |  |  | 132,593 |
Total loans |  | $ | 3,452 |  |  | $ | 1,594 |  |  | $ | 11,336 |  |  | $ | 16,382 |  |  | $ | 850,970 |  |  | $ | 867,352 |
|  | As of December 31, 2021 |
|  | 30-59 Days |  |  | 60-89 Days |  |  | 90 Days |  |  | Total |  |  |  |  |  | Total Loans |
(In thousands) |  | Past Due |  |  | Past Due |  |  | and Over |  |  | Past Due |  |  | Current |  |  | Receivable |
Residential mortgage loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family first-lien residential mortgages |  | $ | 960 |  |  | $ | 416 |  |  | $ | 891 |  |  | $ | 2,268 |  |  | $ | 238,166 |  |  | $ | 240,434 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 6,329 |  |  |  | 6,329 |
Loans held-for-sale |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 513 |  |  |  | 513 |
Total residential mortgage loans |  |  | 960 |  |  |  | 416 |  |  |  | 891 |  |  |  | 2,268 |  |  |  | 245,008 |  |  |  | 247,276 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 1,735 |  |  |  | 1,029 |  |  |  | 4,379 |  |  |  | 7,143 |  |  |  | 281,307 |  |  |  | 288,450 |
Lines of credit |  |  | 156 |  |  |  | 1,180 |  |  |  | 576 |  |  |  | 1,913 |  |  |  | 59,971 |  |  |  | 61,884 |
Other commercial and industrial |  |  | 1,799 |  |  |  | 1,686 |  |  |  | 1,056 |  |  |  | 4,541 |  |  |  | 64,594 |  |  |  | 69,135 |
Paycheck Protection Program loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 19,338 |  |  |  | 19,338 |
Tax exempt loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5,811 |  |  |  | 5,811 |
Total commercial loans |  |  | 3,691 |  |  |  | 3,895 |  |  |  | 6,011 |  |  |  | 13,597 |  |  |  | 471,091 |  |  |  | 444,618 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and junior liens |  |  | 17 |  |  |  | 49 |  |  |  | 251 |  |  |  | 317 |  |  |  | 31,420 |  |  |  | 31,737 |
Other consumer |  |  | 571 |  |  |  | 257 |  |  |  | 852 |  |  |  | 1,680 |  |  |  | 108,428 |  |  |  | 110,108 |
Total consumer loans |  |  | 588 |  |  |  | 306 |  |  |  | 1,103 |  |  |  | 1,998 |  |  |  | 139,847 |  |  |  | 141,845 |
Total loans |  | $ | 5,239 |  |  | $ | 4,617 |  |  | $ | 8,006 |  |  | $ | 17,862 |  |  | $ | 815,877 |  |  | $ | 833,739 |
Nonaccrual Loans Segregated by Class of Loan | Nonaccrual loans, segregated by class of loan, were as follows:
|  | June 30, |  |  | December 31, |
(In thousands) |  | 2022 |  |  | 2021 |
Residential mortgage loans: |  |  |  |  |  |
1-4 family first-lien residential mortgages |  | $ | 1,584 |  |  | $ | 891 |
|  |  | 1,584 |  |  |  | 891 |
Commercial loans: |  |  |  |  |  |
Real estate |  |  | 4,461 |  |  |  | 4,407 |
Lines of credit |  |  | 1,794 |  |  |  | 629 |
Other commercial and industrial |  |  | 2,241 |  |  |  | 1,261 |
|  |  | 8,496 |  |  |  | 6,297 |
Consumer loans: |  |  |  |  |  |
Home equity and junior liens |  |  | 379 |  |  |  | 252 |
Other consumer |  |  | 1,228 |  |  |  | 852 |
Total consumer loans |  |  | 1,607 |  |  |  | 1,104 |
Total nonaccrual loans |  | $ | 11,687 |  |  | $ | 8,292 |
Troubled Debt Restructurings on Financing Receivables |
| For the three months ended June 30, 2022 |
(In thousands, except number of loans) | Number of loans |  | Pre-modification outstanding recorded investment |  |  | Post-modification outstanding recorded investment |  |  | Additional provision for loan losses |
Commercial real estate loans | 1 |  | $ | 18 |  |  | $ | 18 |  |  | $ | - |
| For the six months ended June 30, 2022 |
(In thousands, except number of loans) | Number of loans |  | Pre-modification outstanding recorded investment |  |  | Post-modification outstanding recorded investment |  |  | Additional provision for loan losses |
Residential real estate loans | 2 |  | $ | 373 |  |  | $ | 373 |  |  | $ | - |
Summary of Impaired Loan Information by Portfolio Class | The following table summarizes impaired loan information by portfolio class at the indicated dates:
|  | June 30, 2022 |  |  | December 31, 2021 |
|  |  |  |  | Unpaid |  |  |  |  |  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Related |  |  | Recorded |  |  | Principal |  |  | Related |
(In thousands) |  | Investment |  |  | Balance |  |  | Allowance |  |  | Investment |  |  | Balance |  |  | Allowance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family first-lien residential mortgages |  | $ | 677 |  |  | $ | 677 |  |  | $ | - |  |  | $ | 666 |  |  | $ | 666 |  |  | $ | - |
Commercial real estate |  |  | 4,112 |  |  |  | 4,209 |  |  |  | - |  |  |  | 4,708 |  |  |  | 4,801 |  |  |  | - |
Commercial lines of credit |  |  | 100 |  |  |  | 100 |  |  |  | - |  |  |  | 100 |  |  |  | 104 |  |  |  | - |
Other commercial and industrial |  |  | 276 |  |  |  | 317 |  |  |  | - |  |  |  | 357 |  |  |  | 396 |  |  |  | - |
Home equity and junior liens |  |  | 90 |  |  |  | 90 |  |  |  | - |  |  |  | 93 |  |  |  | 93 |  |  |  | - |
With an allowance recorded: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family first-lien residential mortgages |  |  | 465 |  |  |  | 465 |  |  |  | 95 |  |  |  | 539 |  |  |  | 539 |  |  |  | 90 |
Commercial real estate |  |  | 2,845 |  |  |  | 2,845 |  |  |  | 359 |  |  |  | 2,450 |  |  |  | 2,450 |  |  |  | 300 |
Commercial lines of credit |  |  | 44 |  |  |  | 50 |  |  |  | 44 |  |  |  | 53 |  |  |  | 53 |  |  |  | 53 |
Other commercial and industrial |  |  | 1,680 |  |  |  | 1,686 |  |  |  | 1,208 |  |  |  | 1,852 |  |  |  | 1,852 |  |  |  | 1,318 |
Home equity and junior liens |  |  | 538 |  |  |  | 538 |  |  |  | 114 |  |  |  | 539 |  |  |  | 539 |  |  |  | 114 |
Total: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
1-4 family first-lien residential mortgages |  |  | 1,141 |  |  |  | 1,141 |  |  |  | 95 |  |  |  | 1,205 |  |  |  | 1,205 |  |  |  | 90 |
Commercial real estate |  |  | 6,956 |  |  |  | 7,054 |  |  |  | 359 |  |  |  | 7,158 |  |  |  | 7,251 |  |  |  | 300 |
Commercial lines of credit |  |  | 144 |  |  |  | 150 |  |  |  | 44 |  |  |  | 153 |  |  |  | 157 |  |  |  | 53 |
Other commercial and industrial |  |  | 1,957 |  |  |  | 2,003 |  |  |  | 1,208 |  |  |  | 2,209 |  |  |  | 2,248 |  |  |  | 1,318 |
Home equity and junior liens |  |  | 628 |  |  |  | 628 |  |  |  | 114 |  |  |  | 632 |  |  |  | 632 |  |  |  | 114 |
Totals |  | $ | 10,826 |  |  | $ | 10,975 |  |  | $ | 1,820 |  |  | $ | 11,357 |  |  | $ | 11,493 |  |  | $ | 1,875 |
Average Recorded Investment In Impaired Loans | The following table presents the average recorded investment in impaired loans for the periods indicated:
|  | For the three months ended |  | For the six months ended |
|  | June 30, |  | June 30, |
(In thousands) |  | 2022 |  |  | 2021 |  | 2022 |  |  | 2021 |
1-4 family first-lien residential mortgages |  | $ | 1,166 |  |  | $ | 1,503 |  | $ | 1,178 |  |  | $ | 1,618 |
Commercial real estate |  |  | 7,035 |  |  |  | 10,234 |  |  | 7,076 |  |  |  | 11,083 |
Commercial lines of credit |  |  | 146 |  |  |  | 982 |  |  | 148 |  |  |  | 963 |
Other commercial and industrial |  |  | 2,071 |  |  |  | 6,990 |  |  | 2,117 |  |  |  | 6,986 |
Home equity and junior liens |  |  | 629 |  |  |  | 578 |  |  | 630 |  |  |  | 458 |
Other consumer |  |  | - |  |  |  | 86 |  |  | - |  |  |  | 84 |
Total |  | $ | 11,047 |  |  | $ | 20,373 |  | $ | 11,149 |  |  | $ | 21,192 |
Cash Basis Interest Income Recognized On Impaired Loans | The following table presents the cash basis interest income recognized on impaired loans for the periods indicated:
|  | For the three months ended |  | For the six months ended |
|  | June 30, |  | June 30, |
(In thousands) |  | 2022 |  |  | 2021 |  | 2022 |  |  | 2021 |
1-4 family first-lien residential mortgages |  | $ | 14 |  |  | $ | 16 |  | $ | 30 |  |  | $ | 32 |
Commercial real estate |  |  | 70 |  |  |  | 44 |  |  | 133 |  |  |  | 109 |
Commercial lines of credit |  |  | 1 |  |  |  | 15 |  |  | 3 |  |  |  | 25 |
Other commercial and industrial |  |  | 22 |  |  |  | 49 |  |  | 42 |  |  |  | 74 |
Home equity and junior liens |  |  | 6 |  |  |  | 5 |  |  | 12 |  |  |  | 6 |
Other consumer |  |  | - |  |  |  | 1 |  |  | - |  |  |  | 3 |
Total |  | $ | 113 |  |  | $ | 130 |  | $ | 220 |  |  | $ | 249 |

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