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 September 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

$

2,200

$

6

$

—

$

—

$

2,206

Collectively evaluated for impairment

263,979

432,523

281,711

15,610

993,823

Total loans

$

266,179

$

432,529

$

281,711

$

15,610

$

996,029

Allowance for loan losses:

Specific reserve allocation

$

601

$

6

$

—

$

—

$

—

$

607

General reserve allocation

2,523

6,212

1,457

117

1,208

11,517

Total allowance for loan losses

$

3,124

$

6,218

$

1,457

$

117

$

1,208

$

12,124


	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				Nine months ended
	September 30,				September 30,
	2021		2020		2021		2020
Average impaired balance:
Commercial	$	2,233	$	839	$	1,972	$	832
Commercial loans secured by non-owner occupied real estate		7		8		7		8
Average investment in impaired loans	$	2,240	$	847	$	1,979	$	840
Interest income recognized:
Commercial	$	3	$	9	$	15	$	31
Commercial loans secured by non-owner occupied real estate		—		—		—		—
Interest income recognized on a cash basis on impaired loans	$	3	$	9	$	15	$	31

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 September 30, 2021
			NON-
	PERFORMING		PERFORMING		TOTAL

	(IN THOUSANDS)
Real estate – residential mortgage	$	280,806	$	905	$	281,711
Consumer		15,610		—		15,610
Total	$	296,416	$	905	$	297,321


	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