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Loans (Tables) | 3 Months Ended
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Mar. 31, 2023
Receivables [Abstract] |
Major Classification of Loans | Major classifications of loans at the indicated dates are as follows:
|  | March 31, |  |  | December 31, |
(In thousands) |  | 2023 |  |  | 2022 |
Residential mortgage loans: |  |  |  |  |  |
1-4 family first-lien residential mortgages |  | $ | 260,199 |  |  | $ | 257,656 |
Construction |  |  | 2,933 |  |  |  | 5,085 |
Loans held-for-sale |  |  | - |  |  |  | 19 |
Total residential mortgage loans |  |  | 263,132 |  |  |  | 262,760 |
Commercial loans: |  |  |  |  |  |
Real estate |  |  | 350,175 |  |  |  | 345,330 |
Lines of credit |  |  | 81,704 |  |  |  | 82,050 |
Other commercial and industrial |  |  | 84,553 |  |  |  | 77,273 |
Paycheck Protection Program loans |  |  | 192 |  |  |  | 203 |
Tax exempt loans |  |  | 4,200 |  |  |  | 4,280 |
Total commercial loans |  |  | 520,824 |  |  |  | 509,136 |
Consumer loans: |  |  |  |  |  |
Home equity and junior liens |  |  | 34,096 |  |  |  | 34,007 |
Other consumer |  |  | 93,197 |  |  |  | 92,851 |
Total consumer loans |  |  | 127,293 |  |  |  | 126,858 |
Total loans |  |  | 911,249 |  |  |  | 898,754 |
Net deferred loan fees |  |  | (1,095 | ) |  |  | (1,000 | )
Less allowance for credit losses |  |  | 17,869 |  |  |  | 15,319 |
Loans receivable, net |  | $ | 892,285 |  |  | $ | 882,435 |
Summary of Purchased Loans Pools | The following tables detail the purchased loan pool positions held by the Bank at March 31, 2023 and December 31, 2022 (the month/year of the earliest acquisition date is depicted in parentheses):
(In thousands, except number of loans) |  | March 31, 2023 |
|  | Original Balance |  |  | Current Balance |  |  | Unamortized Premium/ (Discount) |  |  | Number of Loans |  |  | Maturity Range |  | Cumulative net charge-offs |
Automobile loans (1/2017) |  | $ | 50,400 |  |  | $ | 3,400 |  |  | $ | 11 |  |  |  | 467 |  |  | 0-4 years |  | $ | 266 |
Commercial and industrial loans (6/2019) |  |  | 6,800 |  |  |  | 2,000 |  |  |  | - |  |  |  | 21 |  |  | 3-7 years |  |  | - |
Home equity lines of credit (8/2019) |  |  | 21,900 |  |  |  | 5,700 |  |  |  | 178 |  |  |  | 144 |  |  | 1-27 years |  |  | - |
Unsecured consumer loan pool 2 (11/2019) |  |  | 26,600 |  |  |  | 1,200 |  |  |  | 8 |  |  |  | 229 |  |  | 0-2 years |  |  | - |
Residential real estate loans (12/2019) |  |  | 4,300 |  |  |  | 3,700 |  |  |  | 236 |  |  |  | 49 |  |  | 16-22 years |  |  | - |
Unsecured consumer loan pool 1 (12/2019) |  |  | 5,400 |  |  |  | 1,400 |  |  |  | - |  |  |  | 48 |  |  | 1-4 years |  |  | - |
Unsecured consumer installment loans pool 3 (12/2019) |  |  | 10,300 |  |  |  | 770 |  |  |  | 32 |  |  |  | 329 |  |  | 0-9 years |  |  | 63 |
Secured consumer installment loans pool 4 (12/2020) |  |  | 14,500 |  |  |  | 11,200 |  |  |  | (1,418 | ) |  |  | 516 |  |  | 23-24 years |  |  | - |
Unsecured consumer loans pool 5 (1/2021) |  |  | 24,400 |  |  |  | 17,100 |  |  |  | (463 | ) |  |  | 675 |  |  | 8-23 years |  |  | - |
Commercial Line of Credit 1 (3/2021) |  |  | 11,600 |  |  |  | 11,300 |  |  |  | 11 |  |  |  | 1 |  |  | 0-1 year |  |  | - |
Secured consumer installment loans (11/2021) |  |  | 21,300 |  |  |  | 19,200 |  |  |  | (3,159 | ) |  |  | 839 |  |  | 18-25 years |  |  | 50 |
Commercial Line of Credit 2 (11/2021) |  |  | 10,500 |  |  |  | 15,000 |  |  |  | 20 |  |  |  | 1 |  |  | 0-1 year |  |  | - |
Unsecured consumer loans pool 6 (11/2021) |  |  | 22,200 |  |  |  | 19,700 |  |  |  | (2,364 | ) |  |  | 537 |  |  | 8-24 years |  |  | - |
Total |  | $ | 230,200 |  |  | $ | 111,670 |  |  | $ | (6,908 | ) |  |  | 3,856 |  |  |  |  | $ | 379 |
(In thousands, except number of loans) |  | December 31, 2022 |
|  | Original Balance |  |  | Current Balance |  |  | Unamortized Premium/ (Discount) |  |  | Number of Loans |  |  | Maturity Range |  | Cumulative net charge-offs |
Automobile loans (1/2017) |  | $ | 50,400 |  |  | $ | 4,200 |  |  | $ | 128 |  |  |  | 537 |  |  | 0-4 years |  | $ | 247 |
Commercial and industrial loans (6/2019) |  |  | 6,800 |  |  |  | 2,100 |  |  |  | - |  |  |  | 22 |  |  | 3-7 years |  |  | - |
Home equity lines of credit (8/2019) |  |  | 21,900 |  |  |  | 6,000 |  |  |  | 189 |  |  |  | 143 |  |  | 1-27 years |  |  | - |
Unsecured consumer loan pool 2 (11/2019) |  |  | 26,600 |  |  |  | 1,500 |  |  |  | 11 |  |  |  | 320 |  |  | 0-2 years |  |  | - |
Residential real estate loans (12/2019) |  |  | 4,300 |  |  |  | 3,900 |  |  |  | 240 |  |  |  | 49 |  |  | 16-22 years |  |  | - |
Unsecured consumer loan pool 1 (12/2019) |  |  | 5,400 |  |  |  | 1,600 |  |  |  | - |  |  |  | 50 |  |  | 1-4 years |  |  | - |
Unsecured consumer installment loans pool 3 (12/2019) |  |  | 10,300 |  |  |  | 1,000 |  |  |  | 38 |  |  |  | 354 |  |  | 0-9 years |  |  | 63 |
Secured consumer installment loans pool 4 (12/2020) |  |  | 14,500 |  |  |  | 11,300 |  |  |  | (1,484 | ) |  |  | 518 |  |  | 23-24 years |  |  | - |
Unsecured consumer loans pool 5 (1/2021) |  |  | 24,400 |  |  |  | 17,300 |  |  |  | (485 | ) |  |  | 678 |  |  | 8-24 years |  |  | - |
Revolving commercial line of credit 1 (3/2021) |  |  | 11,600 |  |  |  | 11,400 |  |  |  | 14 |  |  |  | 1 |  |  | 0-1 year |  |  | - |
Secured consumer installment loans (11/2021) |  |  | 21,300 |  |  |  | 19,700 |  |  |  | (3,237 | ) |  |  | 850 |  |  | 18-25 years |  |  | - |
Revolving commercial line of credit 2 (11/2021) |  |  | 10,500 |  |  |  | 15,000 |  |  |  | 23 |  |  |  | 1 |  |  | 0-1 year |  |  | - |
Unsecured consumer loans pool 6 (11/2021) |  |  | 22,200 |  |  |  | 20,200 |  |  |  | (2,441 | ) |  |  | 540 |  |  | 8-24 years |  |  | - |
Total |  | $ | 230,200 |  |  | $ | 115,200 |  |  | $ | (7,004 | ) |  |  | 4,063 |  |  |  |  | $ | 310 |
Amortized cost of debt securities categorized as held-to-maturity aggregated by credit quality | The following table summarizes the amortized cost of debt securities categorized as HTM at March 31, 2023, aggregated by credit quality indicators:
(dollars in thousands) |  |
AAA or equivalent | $ | 38,247 |
AA or equivalent, including securities issued by the United States Government or Government Sponsored Enterprises |  | 44,013 |
A or equivalent |  | 23,823 |
BBB or equivalent |  | 19,268 |
Unrated |  | 76,315 |
Total | $ | 201,666 |
Age Analysis of Past Due Loans Segregated by Portfolio Segment and Class of Loans | An aging analysis of past due loans, not including net deferred loan costs, segregated by portfolio segment and class of loans, as of March 31, 2023 and December 31, 2022, are detailed in the following tables:
|  | As of March 31, 2023 |
|  | 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 |  | $ | 1,522 |  |  | $ | 790 |  |  | $ | 1,196 |  |  | $ | 3,508 |  |  | $ | 256,691 |  |  | $ | 260,199 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  | $ | 2,933 |  |  |  | 2,933 |
Loans held-for-sale |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  | $ | - |  |  |  | - |
Total residential mortgage loans |  |  | 1,522 |  |  |  | 790 |  |  |  | 1,196 |  |  |  | 3,508 |  |  |  | 259,624 |  |  |  | 263,132 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 916 |  |  |  | 839 |  |  |  | 6,946 |  |  |  | 8,701 |  |  |  | 341,474 |  |  |  | 350,175 |
Lines of credit |  |  | 462 |  |  |  | 354 |  |  |  | 2,663 |  |  |  | 3,479 |  |  |  | 78,225 |  |  |  | 81,704 |
Other commercial and industrial |  |  | 982 |  |  |  | 159 |  |  |  | 6,062 |  |  |  | 7,203 |  |  |  | 77,350 |  |  |  | 84,553 |
Paycheck Protection Program loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 192 |  |  |  | 192 |
Tax exempt loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 4,200 |  |  |  | 4,200 |
Total commercial loans |  |  | 2,360 |  |  |  | 1,352 |  |  |  | 15,671 |  |  |  | 19,383 |  |  |  | 501,441 |  |  |  | 520,824 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and junior liens |  |  | 105 |  |  |  | 23 |  |  |  | 161 |  |  |  | 289 |  |  |  | 33,807 |  |  |  | 34,096 |
Other consumer |  |  | 508 |  |  |  | 373 |  |  |  | 1,861 |  |  |  | 2,742 |  |  |  | 90,455 |  |  |  | 93,197 |
Total consumer loans |  |  | 613 |  |  |  | 396 |  |  |  | 2,022 |  |  |  | 3,031 |  |  |  | 124,262 |  |  |  | 127,293 |
Total loans |  | $ | 4,495 |  |  | $ | 2,538 |  |  | $ | 18,889 |  |  | $ | 25,922 |  |  | $ | 885,327 |  |  | $ | 911,249 |
|  | As of December 31, 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 |  | $ | 1,627 |  |  | $ | 620 |  |  | $ | 932 |  |  | $ | 3,179 |  |  | $ | 254,477 |  |  | $ | 257,656 |
Construction |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 5,085 |  |  |  | 5,085 |
Loans held-for-sale |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 19 |  |  |  | 19 |
Total residential mortgage loans |  |  | 1,627 |  |  |  | 620 |  |  |  | 932 |  |  |  | 3,179 |  |  |  | 259,581 |  |  |  | 262,760 |
Commercial loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate |  |  | 4,974 |  |  |  | 854 |  |  |  | 3,499 |  |  |  | 9,327 |  |  |  | 336,003 |  |  |  | 345,330 |
Lines of credit |  |  | 1,280 |  |  |  | 1,584 |  |  |  | 298 |  |  |  | 3,162 |  |  |  | 78,888 |  |  |  | 82,050 |
Other commercial and industrial |  |  | 4,721 |  |  |  | 999 |  |  |  | 1,738 |  |  |  | 7,458 |  |  |  | 69,815 |  |  |  | 77,273 |
Paycheck Protection Program loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 203 |  |  |  | 203 |
Tax exempt loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 4,280 |  |  |  | 4,280 |
Total commercial loans |  |  | 10,975 |  |  |  | 3,437 |  |  |  | 5,535 |  |  |  | 19,947 |  |  |  | 489,189 |  |  |  | 509,136 |
Consumer loans: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Home equity and junior liens |  |  | 23 |  |  |  | 17 |  |  |  | 279 |  |  |  | 319 |  |  |  | 33,688 |  |  |  | 34,007 |
Other consumer |  |  | 391 |  |  |  | 239 |  |  |  | 1,904 |  |  |  | 2,534 |  |  |  | 90,317 |  |  |  | 92,851 |
Total consumer loans |  |  | 414 |  |  |  | 256 |  |  |  | 2,183 |  |  |  | 2,853 |  |  |  | 124,005 |  |  |  | 126,858 |
Total loans |  | $ | 13,016 |  |  | $ | 4,313 |  |  | $ | 8,650 |  |  | $ | 25,979 |  |  | $ | 872,775 |  |  | $ | 898,754 |
Nonaccrual Loans Segregated by Class of Loan | Nonaccrual loans, segregated by class of loan, were as follows:
|  | March 31, |  |  | December 31, |
(In thousands) |  | 2023 |  |  | 2022 |
Residential mortgage loans: |  |  |  |  |  |
1-4 family first-lien residential mortgages |  | $ | 1,372 |  |  | $ | 1,112 |
|  |  | 1,372 |  |  |  | 1,112 |
Commercial loans: |  |  |  |  |  |
Real estate |  |  | 6,946 |  |  |  | 3,504 |
Lines of credit |  |  | 6,062 |  |  |  | 332 |
Other commercial and industrial |  |  | 2,693 |  |  |  | 1,884 |
|  |  | 15,701 |  |  |  | 5,720 |
Consumer loans: |  |  |  |  |  |
Home equity and junior liens |  |  | 161 |  |  |  | 279 |
Other consumer |  |  | 1,868 |  |  |  | 1,904 |
Total consumer loans |  |  | 2,029 |  |  |  | 2,183 |
Total nonaccrual loans |  | $ | 19,102 |  |  | $ | 9,015 |
Schedule of aggregate pass rating and the classified ratings | The following tables present the classes of the loan portfolio, 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:
|  | Term Loans By Origination Year |  |  |  |  |  | Loans converted |  |  |  |
(In thousands) |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Loans |  |  | to term loans |  |  | Total |
Commercial Real Estate: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 11,883 |  |  | $ | 85,601 |  |  | $ | 59,801 |  |  | $ | 30,138 |  |  | $ | 52,830 |  |  | $ | 92,276 |  |  | $ | - |  |  | $ | - |  |  | $ | 332,529 |
Special Mention |  |  | - |  |  |  | 6,852 |  |  |  | 454 |  |  |  | - |  |  |  | - |  |  |  | 1,019 |  |  |  | - |  |  |  | - |  |  |  | 8,325 |
Substandard |  |  | - |  |  |  | 500 |  |  |  | 1,682 |  |  |  | 739 |  |  |  | 396 |  |  |  | 5,646 |  |  |  | - |  |  |  | - |  |  |  | 8,963 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 358 |  |  |  | - |  |  |  | - |  |  |  | 358 |
Total Commercial Real Estate |  |  | 11,883 |  |  |  | 92,953 |  |  |  | 61,937 |  |  |  | 30,877 |  |  |  | 53,226 |  |  |  | 99,299 |  |  |  | - |  |  |  | - |  |  |  | 350,175 |
Commercial Lines of Credit: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 42,726 |  |  |  | 34,475 |  |  |  | 77,201 |
Special Mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,328 |  |  |  | 555 |  |  |  | 1,883 |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 1,235 |  |  |  | 1,355 |  |  |  | 2,590 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 30 |  |  |  | 30 |
Total Commercial Lines of Credit |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 45,289 |  |  |  | 36,415 |  |  |  | 81,704 |
Other Commercial and Industrial: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 10,190 |  |  |  | 21,029 |  |  |  | 9,163 |  |  |  | 6,714 |  |  |  | 9,845 |  |  |  | 14,291 |  |  |  | 2,513 |  |  |  | - |  |  |  | 73,745 |
Special Mention |  |  | 973 |  |  |  | 135 |  |  |  | 1,651 |  |  |  | 212 |  |  |  | 1,243 |  |  |  | 76 |  |  |  | - |  |  |  | - |  |  |  | 4,290 |
Substandard |  |  | 746 |  |  |  | 1,701 |  |  |  | 513 |  |  |  | 644 |  |  |  | 304 |  |  |  | 2,347 |  |  |  | - |  |  |  | - |  |  |  | 6,255 |
Doubtful |  |  |  |  |  |  |  |  |  |  |  | 263 |  |  |  |  |  |  |  |  |  | - |  |  |  | - |  |  |  | 263 |
Total Other Commercial and Industrial |  |  | 11,909 |  |  |  | 22,865 |  |  |  | 11,327 |  |  |  | 7,833 |  |  |  | 11,392 |  |  |  | 16,714 |  |  |  | 2,513 |  |  |  | - |  |  |  | 84,553 |
Paycheck Protection Program Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 192 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 192 |
Special Mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Paycheck Protection Program Loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 192 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 192 |
Tax Exempt Loans |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 196 |  |  |  | 6 |  |  |  | 3,998 |  |  |  | - |  |  |  | - |  |  |  | 4,200 |
Special Mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Tax Exempt Loans |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 196 |  |  |  | 6 |  |  |  | 3,998 |  |  |  | - |  |  |  | - |  |  |  | 4,200 |
|  | Term Loans By Origination Year |  |  |  |  |  | Loans converted |  |  |  |
(In thousands) |  | 2023 |  |  | 2022 |  |  | 2021 |  |  | 2020 |  |  | 2019 |  |  | Prior |  |  | Loans |  |  | to term loans |  |  | Total |
1-4 family first-lien residential mortgages: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 2,838 |  |  | $ | 33,954 |  |  | $ | 54,992 |  |  | $ | 43,171 |  |  | $ | 19,320 |  |  | $ | 102,825 |  |  | $ | - |  |  | $ | - |  |  | $ | 257,100 |
Special Mention |  |  |  |  |  |  |  |  | 74 |  |  |  | 281 |  |  |  | 61 |  |  |  | 621 |  |  |  | - |  |  |  | - |  |  |  | 1,037 |
Substandard |  |  |  |  |  |  |  |  |  |  |  | 172 |  |  |  | 223 |  |  |  | 993 |  |  |  | - |  |  |  | - |  |  |  | 1,388 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 154 |  |  |  | - |  |  |  | 520 |  |  |  | - |  |  |  | - |  |  |  | 674 |
Total 1-4 family first-lien residential mortgages |  |  | 2,838 |  |  |  | 33,954 |  |  |  | 55,066 |  |  |  | 43,778 |  |  |  | 19,604 |  |  |  | 104,959 |  |  |  | - |  |  |  | - |  |  |  | 260,199 |
Construction: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 938 |  |  |  | 1,995 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,933 |
Special Mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Substandard |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Construction |  |  | 938 |  |  |  | 1,995 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 2,933 |
Home Equity and Junior Liens: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  | $ | 6,607 |  |  | $ | 2,247 |  |  | $ | 1,643 |  |  | $ | 1,034 |  |  | $ | 714 |  |  | $ | 2,585 |  |  | $ | 17,598 |  |  | $ | 827 |  |  | $ | 33,255 |
Special Mention |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 102 |  |  |  | 5 |  |  |  | - |  |  |  | 107 |
Substandard |  |  | - |  |  |  | - |  |  |  | 71 |  |  |  | - |  |  |  | - |  |  |  | 32 |  |  |  | 624 |  |  |  | 7 |  |  |  | 734 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Home Equity and Junior Liens |  |  | 6,607 |  |  |  | 2,247 |  |  |  | 1,714 |  |  |  | 1,034 |  |  |  | 714 |  |  |  | 2,719 |  |  |  | 18,227 |  |  |  | 834 |  |  |  | 34,096 |
Other Consumer: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Pass |  |  | 78,540 |  |  |  | 4,975 |  |  |  | 3,645 |  |  |  | 1,767 |  |  |  | 2,294 |  |  |  | 1,509 |  |  |  | 335 |  |  |  | - |  |  |  | 93,065 |
Special Mention |  |  | - |  |  |  | 6 |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | 4 |  |  |  | - |  |  |  | - |  |  |  | 10 |
Substandard |  |  | - |  |  |  | 48 |  |  |  | 34 |  |  |  | - |  |  |  | 5 |  |  |  | 35 |  |  |  | - |  |  |  | - |  |  |  | 122 |
Doubtful |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |  |  |  | - |
Total Other Consumer |  |  | 78,540 |  |  |  | 5,029 |  |  |  | 3,679 |  |  |  | 1,767 |  |  |  | 2,299 |  |  |  | 1,548 |  |  |  | 335 |  |  |  | - |  |  |  | 93,197 |
Net Deferred Loan Fees |  |  | (2,758 | ) |  |  | 256 |  |  |  | 317 |  |  |  | 182 |  |  |  | 160 |  |  |  | 748 |  |  |  |  |  |  |  |  |  | (1,095 | )
Total loans |  | $ | 109,957 |  |  | $ | 159,299 |  |  | $ | 134,040 |  |  | $ | 85,859 |  |  | $ | 87,401 |  |  | $ | 229,985 |  |  | $ | 66,364 |  |  | $ | 37,249 |  |  | $ | 910,154 |
Summary of Impaired Loan Information by Portfolio Class | The following table summarizes impaired loan information by portfolio class at December 31, 2022:
|  | December 31, 2022 |
|  |  |  |  | Unpaid |  |  |  |
|  | Recorded |  |  | Principal |  |  | Related |
(In thousands) |  | Investment |  |  | Balance |  |  | Allowance |
With no related allowance recorded: |  |  |  |  |  |  |  |  |
1-4 family first-lien residential mortgages |  | $ | 1,048 |  |  | $ | 1,048 |  |  | $ | - |
Commercial real estate |  |  | 5,283 |  |  |  | 5,386 |  |  |  | - |
Commercial lines of credit |  |  | 2,218 |  |  |  | 2,218 |  |  |  | - |
Other commercial and industrial |  |  | 2,780 |  |  |  | 2,829 |  |  |  | - |
Home equity and junior liens |  |  | 182 |  |  |  | 182 |  |  |  | - |
With an allowance recorded: |  |  |  |  |  |  |  |  |
1-4 family first-lien residential mortgages |  |  | 450 |  |  |  | 450 |  |  |  | 91 |
Commercial real estate |  |  | 2,625 |  |  |  | 2,625 |  |  |  | 346 |
Commercial lines of credit |  |  | 3,059 |  |  |  | 3,066 |  |  |  | 2,957 |
Other commercial and industrial |  |  | 1,998 |  |  |  | 1,998 |  |  |  | 1,285 |
Home equity and junior liens |  |  | 536 |  |  |  | 536 |  |  |  | 114 |
Total: |  |  |  |  |  |  |  |  |
1-4 family first-lien residential mortgages |  |  | 1,498 |  |  |  | 1,498 |  |  |  | 91 |
Commercial real estate |  |  | 7,908 |  |  |  | 8,011 |  |  |  | 346 |
Commercial lines of credit |  |  | 5,277 |  |  |  | 5,284 |  |  |  | 2,957 |
Other commercial and industrial |  |  | 4,778 |  |  |  | 4,827 |  |  |  | 1,285 |
Home equity and junior liens |  |  | 718 |  |  |  | 718 |  |  |  | 114 |
Totals |  | $ | 20,179 |  |  | $ | 20,338 |  |  | $ | 4,793 |
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 |
|  | March 31, |
(In thousands) |  | 2023 |  |  | 2022 |
1-4 family first-lien residential mortgages |  | $ | 1,494 |  |  | $ | 1,197 |
Commercial real estate |  |  | 9,192 |  |  |  | 7,135 |
Commercial lines of credit |  |  | 3,886 |  |  |  | 151 |
Other commercial and industrial |  |  | 6,516 |  |  |  | 2,198 |
Home equity and junior liens |  |  | 717 |  |  |  | 631 |
Total |  | $ | 21,805 |  |  | $ | 11,312 |
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 |
|  | March 31, |
(In thousands) |  | 2023 |  |  | 2022 |
1-4 family first-lien residential mortgages |  | $ | 15 |  |  | $ | 16 |
Commercial real estate |  |  | 59 |  |  |  | 63 |
Commercial lines of credit |  |  | 3 |  |  |  | 2 |
Other commercial and industrial |  |  | 31 |  |  |  | 20 |
Home equity and junior liens |  |  | 13 |  |  |  | 6 |
Total |  | $ | 121 |  |  | $ | 107 |

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