Allowance for Loan Losses

Schedule of Loan loss by the primary segments

The following tables summarize the loan portfolio and allowance for loan loss by the primary segments of the loan portfolio (in thousands).

At June 30, 2021

Commercial Loans

Secured by

Non-Owner

Real Estate-

Occupied

Residential

Allocation for

Commercial

Real Estate

Mortgage

Consumer

General Risk

Total

Loans:

Individually evaluated for impairment

$

2,265

$

7

$

—

$

—

$

2,272

Collectively evaluated for impairment

277,187

428,267

268,595

16,391

990,440

Total loans

$

279,452

$

428,274

$

268,595

$

16,391

$

992,712

Allowance for loan losses:

Specific reserve allocation

$

670

$

7

$

—

$

—

$

—

$

677

General reserve allocation

2,864

5,528

1,388

123

1,172

11,075

Total allowance for loan losses

$

3,534

$

5,535

$

1,388

$

123

$

1,172

$

11,752


	At December 31, 2020
			Commercial Loans
			Secured by
			Non-Owner		Real Estate-
			Occupied		Residential				Allocation for
	Commercial		Real Estate		Mortgage		Consumer		General Risk		Total
Loans:
Individually evaluated for impairment	$	847	$	8	$	—	$	—			$	855
Collectively evaluated for impairment		304,145		400,743		249,989		16,363				971,240
Total loans	$	304,992	$	400,751	$	249,989	$	16,363			$	972,095
Allowance for loan losses:
Specific reserve allocation	$	96	$	8	$	—	$	—	$	—	$	104
General reserve allocation		3,376		5,365		1,292		115		1,093		11,241
Total allowance for loan losses	$	3,472	$	5,373	$	1,292	$	115	$	1,093	$	11,345

Schedule of Investment in impaired loans and related interest income

The following table presents the average recorded investment in impaired loans and related interest income recognized for the periods indicated (in thousands).


	Three months ended				Six months ended
	June 30,				June 30,
	2021		2020		2021		2020
Average impaired balance:
Commercial	$	2,420	$	826	$	1,895	$	822
Commercial loans secured by non-owner occupied real estate		8		8		8		8
Average investment in impaired loans	$	2,428	$	834	$	1,903	$	830
Interest income recognized:
Commercial	$	1	$	10	$	13	$	22
Commercial loans secured by non-owner occupied real estate		—		—		—		—
Interest income recognized on a cash basis on impaired loans	$	1	$	10	$	13	$	22

Schedule of Residential and consumer portfolio

The following tables present the performing and non-performing outstanding balances of the residential and consumer portfolio classes.


	At June 30, 2021
			NON-
	PERFORMING		PERFORMING		TOTAL

	(IN THOUSANDS)
Real estate – residential mortgage	$	267,149	$	1,446	$	268,595
Consumer		16,383		8		16,391
Total	$	283,532	$	1,454	$	284,986


	At December 31, 2020
			NON-
	PERFORMING		PERFORMING		TOTAL

	(IN THOUSANDS)
Real estate – residential mortgage	$	247,520	$	2,469	$	249,989
Consumer		16,356		7		16,363
Total	$	263,876	$	2,476	$	266,352