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, 2022

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

$

2,087

$

5

$

—

$

—

$

2,092

Collectively evaluated for impairment

221,790

432,826

292,592

15,033

962,241

Total loans

$

223,877

$

432,831

$

292,592

$

15,033

$

964,333

Allowance for loan losses:

Specific reserve allocation

$

612

$

5

$

—

$

—

$

—

$

617

General reserve allocation

2,546

5,711

1,473

102

1,119

10,951

Total allowance for loan losses

$

3,158

$

5,716

$

1,473

$

102

$

1,119

$

11,568


	At December 31, 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	$	2,165	$	5	$	—	$	—			$	2,170
Collectively evaluated for impairment		248,972		430,820		287,996		15,096				982,884
Total loans	$	251,137	$	430,825	$	287,996	$	15,096			$	985,054
Allowance for loan losses:
Specific reserve allocation	$	628	$	5	$	—	$	—	$	—	$	633
General reserve allocation		2,443		6,387		1,590		113		1,232		11,765
Total allowance for loan losses	$	3,071	$	6,392	$	1,590	$	113	$	1,232	$	12,398

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,
	2022		2021		2022		2021
Average impaired balance:
Commercial	$	2,107	$	2,420	$	2,126	$	1,895
Commercial loans secured by non-owner occupied real estate		5		8		5		8
Average investment in impaired loans	$	2,112	$	2,428	$	2,131	$	1,903
Interest income recognized:
Commercial	$	—	$	1	$	—	$	13
Commercial loans secured by non-owner occupied real estate		—		—		—		—
Interest income recognized on a cash basis on impaired loans	$	—	$	1	$	—	$	13

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, 2022
			NON-
	PERFORMING		PERFORMING		TOTAL

	(IN THOUSANDS)
Real estate – residential mortgage	$	291,454	$	1,138	$	292,592
Consumer		15,023		10		15,033
Total	$	306,477	$	1,148	$	307,625


	At December 31, 2021
			NON-
	PERFORMING		PERFORMING		TOTAL

	(IN THOUSANDS)
Real estate – residential mortgage	$	286,843	$	1,153	$	287,996
Consumer		15,096		—		15,096
Total	$	301,939	$	1,153	$	303,092