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Loans & Leases and Allowance for Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2014
Loans & Leases and Allowance for Credit Losses [Abstract]  
Allocation of the allowance for credit losses by portfolio segment and by impairment methodology
The following tables show the allocation of the allowance for credit losses by portfolio segment and by impairment methodology at the dates indicated (in thousands):

September 30, 2014
 
Commercial
Real Estate
  
Agricultural
Real Estate
  
Real Estate
Construction
  
Residential 1st
Mortgages
  
Home Equity
Lines & Loans
  
Agricultural
  
Commercial
  
Consumer
& Other
  
Leases
  
Unallocated
  
Total
 
                       
Year-To-Date Allowance for Credit Losses:
                      
Beginning Balance- January 1, 2014
 
$
5,178
  
$
3,576
  
$
654
  
$
1,108
  
$
2,767
  
$
12,205
  
$
5,697
  
$
176
  
$
639
  
$
2,274
  
$
34,274
 
Charge-Offs
  
-
   
-
   
-
   
(58
)
  
(70
)
  
-
   
-
   
(76
)
  
-
   
-
   
(204
)
Recoveries
  
12
   
-
   
-
   
-
   
54
   
3
   
83
   
45
   
-
   
-
   
197
 
Provision
  
2,608
   
370
   
1,026
   
92
   
(76
)
  
(6,426
)
  
2,135
   
76
   
1,206
   
(1,011
)
  
-
 
Ending Balance- September 30, 2014
 
$
7,798
  
$
3,946
  
$
1,680
  
$
1,142
  
$
2,675
  
$
5,782
  
$
7,915
  
$
221
  
$
1,845
  
$
1,263
  
$
34,267
 
Third Quarter Allowance for Credit Losses:
                                            
Beginning Balance- July 1, 2014
 
$
6,991
  
$
3,677
  
$
1,290
  
$
1,094
  
$
2,737
  
$
8,291
  
$
7,377
  
$
193
  
$
1,108
  
$
1,532
  
$
34,290
 
Charge-Offs
  
-
   
-
   
-
   
(25
)
  
(5
)
  
-
   
-
   
(31
)
  
-
   
-
   
(61
)
Recoveries
  
12
   
-
   
-
   
-
   
3
   
1
   
6
   
16
   
-
   
-
   
38
 
Provision
  
795
   
269
   
390
   
73
   
(60
)
  
(2,510
)
  
532
   
43
   
737
   
(269
)
  
-
 
Ending Balance- September 30, 2014
 
$
7,798
  
$
3,946
  
$
1,680
  
$
1,142
  
$
2,675
  
$
5,782
  
$
7,915
  
$
221
  
$
1,845
  
$
1,263
  
$
34,267
 
Ending Balance Individually Evaluated for Impairment
  
190
   
-
   
239
   
370
   
328
   
120
   
912
   
42
   
-
   
-
   
2,201
 
Ending Balance Collectively Evaluated for Impairment
  
7,608
   
3,946
   
1,441
   
772
   
2,347
   
5,662
   
7,003
   
179
   
1,845
   
1,263
   
32,066
 
Loans & Leases:
                                            
Ending Balance
 
$
473,505
  
$
364,161
  
$
104,463
  
$
168,310
  
$
33,283
  
$
237,521
  
$
192,804
  
$
4,816
  
$
36,908
  
$
-
  
$
1,615,771
 
Ending Balance Individually Evaluated for Impairment
  
20,175
   
-
   
4,419
   
1,847
   
1,658
   
518
   
4,877
   
42
   
-
   
-
   
33,536
 
Ending Balance Collectively Evaluated for Impairment
  
453,330
   
364,161
   
100,044
   
166,463
   
31,625
   
237,003
   
187,927
   
4,774
   
36,908
   
-
   
1,582,235
 

December 31, 2013
 
Commercial
Real Estate
  
Agricultural
Real Estate
  
Real Estate
Construction
  
Residential
1st Mortgages
  
Home Equity
Lines & Loans
  
Agricultural
  
Commercial
  
Consumer
& Other
  
Leases
  
Unallocated
  
Total
 
                       
Year-To-Date Allowance for Credit Losses:
                      
Beginning Balance- January 1, 2013
 
$
6,464
  
$
2,877
  
$
986
  
$
1,219
  
$
3,235
  
$
10,437
  
$
7,963
  
$
182
  
$
-
  
$
854
  
$
34,217
 
Charge-Offs
  
(6
)
  
(575
)
  
-
   
(16
)
  
(91
)
  
(23
)
  
(60
)
  
(120
)
  
-
   
-
   
(891
)
Recoveries
  
-
   
-
   
-
   
-
   
115
   
42
   
312
   
54
   
-
   
-
   
523
 
Provision
  
(1,280
)
  
1,274
   
(332
)
  
(95
)
  
(492
)
  
1,749
   
(2,518
)
  
60
   
639
   
1,420
   
425
 
Ending Balance- December 31, 2013
 
$
5,178
  
$
3,576
  
$
654
  
$
1,108
  
$
2,767
  
$
12,205
  
$
5,697
  
$
176
  
$
639
  
$
2,274
  
$
34,274
 
Ending Balance Individually Evaluated for Impairment
  
-
   
-
   
-
   
414
   
209
   
122
   
820
   
51
   
-
   
-
   
1,616
 
Ending Balance Collectively Evaluated for Impairment
  
5,178
   
3,576
   
654
   
694
   
2,558
   
12,083
   
4,877
   
125
   
639
   
2,274
   
32,658
 
Loans & Leases:
                                            
Ending Balance
 
$
407,514
  
$
328,264
  
$
41,092
  
$
151,292
  
$
35,477
  
$
256,414
  
$
150,398
  
$
5,052
  
$
12,733
  
$
-
  
$
1,388,236
 
Ending Balance Individually Evaluated for Impairment
  
22,176
   
-
   
4,500
   
2,072
   
1,045
   
522
   
5,250
   
51
   
-
   
-
   
35,616
 
Ending Balance Collectively Evaluated for Impairment
  
385,338
   
328,264
   
36,592
   
149,220
   
34,432
   
255,892
   
145,148
   
5,001
   
12,733
   
-
   
1,352,620
 

September 30, 2013
 
Commercial
Real Estate
  
Agricultural
Real Estate
  
Real Estate
Construction
  
Residential
1st Mortgages
  
Home Equity
Lines & Loans
  
Agricultural
  
Commercial
  
Consumer
& Other
  
Leases
  
Unallocated
  
Total
 
                       
Year-To-Date Allowance for Credit Losses:
                      
Beginning Balance- January 1, 2013
 
$
6,464
  
$
2,877
  
$
986
  
$
1,219
  
$
3,235
  
$
10,437
  
$
7,963
  
$
182
  
$
-
  
$
854
  
$
34,217
 
Charge-Offs
  
(6
)
  
(575
)
  
-
   
(16
)
  
(23
)
  
(23
)
  
(4
)
  
(93
)
  
-
   
-
   
(740
)
Recoveries
  
-
   
-
   
-
   
-
   
30
   
36
   
281
   
37
   
-
   
-
   
384
 
Provision
  
(382
)
  
911
   
(48
)
  
(130
)
  
(492
)
  
(1,190
)
  
1,551
   
42
   
-
   
(12
)
  
250
 
Ending Balance- September 30, 2013
 
$
6,076
  
$
3,213
  
$
938
  
$
1,073
  
$
2,750
  
$
9,260
  
$
9,791
  
$
168
  
$
-
  
$
842
  
$
34,111
 
Third Quarter Allowance for Credit Losses:
                                            
Beginning Balance- July 1, 2013
 
$
5,732
  
$
3,481
  
$
977
  
$
1,037
  
$
2,984
  
$
10,557
  
$
9,075
  
$
168
  
$
-
  
$
224
  
$
34,235
 
Charge-Offs
  
(6
)
  
(175
)
  
-
   
-
   
(1
)
  
-
   
-
   
(29
)
  
-
   
-
   
(211
)
Recoveries
  
-
   
-
   
-
   
-
   
10
   
16
   
45
   
16
   
-
   
-
   
87
 
Provision
  
350
   
(93
)
  
(39
)
  
36
   
(243
)
  
(1,313
)
  
671
   
13
   
-
   
618
   
-
 
Ending Balance- September 30, 2013
 
$
6,076
  
$
3,213
  
$
938
  
$
1,073
  
$
2,750
  
$
9,260
  
$
9,791
  
$
168
  
$
-
  
$
842
  
$
34,111
 
Ending Balance Individually Evaluated for Impairment
  
788
   
-
   
229
   
75
   
147
   
126
   
1,858
   
53
   
-
   
-
   
3,276
 
Ending Balance Collectively Evaluated for Impairment
  
5,288
   
3,213
   
709
   
998
   
2,603
   
9,134
   
7,933
   
115
   
-
   
842
   
30,835
 
Loans & Leases:
                                            
Ending Balance
 
$
401,626
  
$
311,401
  
$
27,099
  
$
143,577
  
$
37,160
  
$
221,569
  
$
145,793
  
$
5,063
  
$
4,523
  
$
-
  
$
1,297,811
 
Ending Balance Individually Evaluated for Impairment
  
22,467
   
849
   
4,527
   
1,962
   
1,125
   
738
   
2,192
   
53
   
-
   
-
   
33,913
 
Ending Balance Collectively Evaluated for Impairment
  
379,159
   
310,552
   
22,572
   
141,615
   
36,035
   
220,831
   
143,601
   
5,010
   
4,523
   
-
   
1,263,898
 
Loan & lease portfolio allocated by management's internal risk ratings
The following tables show the loan & lease portfolio allocated by management’s internal risk ratings at the dates indicated (in thousands):

September 30, 2014
 
Pass
  
Special
Mention
  
Substandard
  
Total Loans
& Leases
 
Loans & Leases:
        
Commercial Real Estate
 
$
464,714
  
$
8,683
  
$
108
  
$
473,505
 
Agricultural Real Estate
  
364,161
   
-
   
-
   
364,161
 
Real Estate Construction
  
102,831
   
1,632
   
-
   
104,463
 
Residential 1st Mortgages
  
166,884
   
752
   
674
   
168,310
 
Home Equity Lines & Loans
  
32,309
   
88
   
886
   
33,283
 
Agricultural
  
236,760
   
695
   
66
   
237,521
 
Commercial
  
168,215
   
22,929
   
1,660
   
192,804
 
Consumer & Other
  
4,520
   
-
   
296
   
4,816
 
Leases
  
36,908
   
-
   
-
   
36,908
 
Total
 
$
1,577,302
  
$
34,779
  
$
3,690
  
$
1,615,771
 
                 
December 31, 2013
 
Pass
  
Special
Mention
  
Substandard
  
Total Loans
& Leases
 
Loans & Leases:
                
Commercial Real Estate
 
$
398,488
  
$
7,979
  
$
1,047
  
$
407,514
 
Agricultural Real Estate
  
325,926
   
2,338
   
-
   
328,264
 
Real Estate Construction
  
39,460
   
1,632
   
-
   
41,092
 
Residential 1st Mortgages
  
149,798
   
774
   
720
   
151,292
 
Home Equity Lines & Loans
  
34,821
   
-
   
656
   
35,477
 
Agricultural
  
255,443
   
889
   
82
   
256,414
 
Commercial
  
132,008
   
15,426
   
2,964
   
150,398
 
Consumer & Other
  
4,763
   
-
   
289
   
5,052
 
Leases
  
12,733
   
-
   
-
   
12,733
 
Total
 
$
1,353,440
  
$
29,038
  
$
5,758
  
$
1,388,236
 
                 
September 30, 2013
 
Pass
  
Special
Mention
  
Substandard
  
Total Loans
 
Loans & Leases:
                
Commercial Real Estate
 
$
389,137
  
$
7,765
  
$
4,724
  
$
401,626
 
Agricultural Real Estate
  
307,736
   
2,497
   
1,168
   
311,401
 
Real Estate Construction
  
25,467
   
1,632
   
-
   
27,099
 
Residential 1st Mortgages
  
142,036
   
780
   
761
   
143,577
 
Home Equity Lines & Loans
  
36,090
   
-
   
1,070
   
37,160
 
Agricultural
  
220,504
   
464
   
601
   
221,569
 
Commercial
  
135,303
   
8,958
   
1,532
   
145,793
 
Consumer & Other
  
4,761
   
-
   
302
   
5,063
 
Leases
  
4,523
   
-
   
-
   
4,523
 
Total
 
$
1,265,557
  
$
22,096
  
$
10,158
  
$
1,297,811
 
Aging analysis of the loan & lease portfolio by the time past due
The following tables show an aging analysis of the loan & lease portfolio by the time past due at the dates indicated
(in thousands):

  
30-59 Days
  
60-89 Days
  
90 Days and
    
Total Past
    
Total
 
September 30, 2014
 
Past Due
  
Past Due
  
Still Accruing
  
Nonaccrual
  
Due
  
Current
  
Loans
 
Loans & Leases:
              
Commercial Real Estate
 
$
-
  
$
-
  
$
-
  
$
-
  
$
-
  
$
473,505
  
$
473,505
 
Agricultural Real Estate
  
-
   
-
   
-
   
-
   
-
   
364,161
   
364,161
 
Real Estate Construction
  
-
   
-
   
-
   
-
   
-
   
104,463
   
104,463
 
Residential 1st Mortgages
  
-
   
-
   
-
   
283
   
283
   
168,027
   
168,310
 
Home Equity Lines & Loans
  
92
   
-
   
-
   
575
   
667
   
32,616
   
33,283
 
Agricultural
  
-
   
-
   
-
   
25
   
25
   
237,496
   
237,521
 
Commercial
  
-
   
-
   
-
   
1,600
   
1,600
   
191,204
   
192,804
 
Consumer & Other
  
12
   
-
   
-
   
14
   
26
   
4,790
   
4,816
 
Leases
  
-
   
-
   
-
   
-
   
-
   
36,908
   
36,908
 
Total
 
$
104
  
$
-
  
$
-
  
$
2,497
  
$
2,601
  
$
1,613,170
  
$
1,615,771
 
                             
  
30-59 Days
  
60-89 Days
  
90 Days and
      
Total Past
      
Total
 
December 31, 2013
 
Past Due
  
Past Due
  
Still Accruing
  
Nonaccrual
  
Due
  
Current
  
Loans
 
Loans & Leases:
                            
Commercial Real Estate
 
$
773
  
$
-
  
$
-
  
$
-
  
$
773
  
$
406,741
  
$
407,514
 
Agricultural Real Estate
  
607
   
-
   
-
   
-
   
607
   
327,657
   
328,264
 
Real Estate Construction
  
-
   
-
   
-
   
-
   
-
   
41,092
   
41,092
 
Residential 1st Mortgages
  
-
   
-
   
-
   
324
   
324
   
150,968
   
151,292
 
Home Equity Lines & Loans
  
-
   
52
   
-
   
406
   
458
   
35,019
   
35,477
 
Agricultural
  
-
   
-
   
-
   
35
   
35
   
256,379
   
256,414
 
Commercial
  
-
   
-
   
-
   
1,815
   
1,815
   
148,583
   
150,398
 
Consumer & Other
  
19
   
-
   
-
   
16
   
35
   
5,017
   
5,052
 
Leases
  
-
   
-
   
-
   
-
   
-
   
12,733
   
12,733
 
Total
 
$
1,399
  
$
52
  
$
-
  
$
2,596
  
$
4,047
  
$
1,384,189
  
$
1,388,236
 
                             
  
30-59 Days
  
60-89 Days
  
90 Days and
      
Total Past
      
Total
 
September 30, 2013
 
Past Due
  
Past Due
  
Still Accruing
  
Nonaccrual
  
Due
  
Current
  
Loans
 
Loans & Leases:
                            
Commercial Real Estate
 
$
592
  
$
-
  
$
-
  
$
176
  
$
768
  
$
400,858
  
$
401,626
 
Agricultural Real Estate
  
-
   
-
   
-
   
849
   
849
   
310,552
   
311,401
 
Real Estate Construction
  
-
   
-
   
-
   
-
   
-
   
27,099
   
27,099
 
Residential 1st Mortgages
  
-
   
-
   
-
   
455
   
455
   
143,122
   
143,577
 
Home Equity Lines & Loans
  
-
   
121
   
-
   
243
   
364
   
36,796
   
37,160
 
Agricultural
  
-
   
-
   
-
   
99
   
99
   
221,470
   
221,569
 
Commercial
  
-
   
-
   
-
   
1,944
   
1,944
   
143,849
   
145,793
 
Consumer & Other
  
14
   
94
   
-
   
17
   
125
   
4,938
   
5,063
 
Leases
  
-
   
-
   
-
   
-
   
-
   
4,523
   
4,523
 
Total
 
$
606
  
$
215
  
$
-
  
$
3,783
  
$
4,604
  
$
1,293,207
  
$
1,297,811
 
Impaired loans & leases
The following tables show information related to impaired loans & leases for the periods indicated (in thousands):

        
Three Months Ended September 30, 2014
  
Nine Months Ended September 30, 2014
 
    
Unpaid
    
Average
  
Interest
  
Average
  
Interest
 
  
Recorded
  
Principal
  
Related
  
Recorded
  
Income
  
Recorded
  
Income
 
September 30, 2014
 
Investment
  
Balance
  
Allowance
  
Investment
  
Recognized
  
Investment
  
Recognized
 
With no related allowance recorded:
              
Commercial Real Estate
 
$
-
  
$
-
  
$
-
  
$
49
  
$
-
  
$
82
  
$
4
 
Home Equity Lines & Loans
  
-
   
-
   
-
   
-
   
-
   
226
   
-
 
Agricultural
  
-
   
-
   
-
   
14
   
-
   
26
   
-
 
Commercial
  
-
   
-
   
-
   
1,575
   
-
   
2,740
   
54
 
  
$
-
  
$
-
  
$
-
  
$
1,638
  
$
-
  
$
3,074
  
$
58
 
With an allowance recorded:
                            
Commercial Real Estate
 
$
94
  
$
94
  
$
2
  
$
47
  
$
2
  
$
16
  
$
2
 
Residential 1st Mortgages
  
658
   
771
   
131
   
550
   
1
   
522
   
3
 
Home Equity Lines & Loans
  
955
   
1,008
   
191
   
934
   
3
   
710
   
6
 
Agricultural
  
483
   
493
   
119
   
478
   
7
   
477
   
21
 
Commercial
  
4,744
   
4,801
   
908
   
3,179
   
27
   
2,144
   
27
 
Consumer & Other
  
43
   
47
   
43
   
44
   
1
   
47
   
2
 
  
$
6,977
  
$
7,214
  
$
1,394
  
$
5,232
  
$
41
  
$
3,916
  
$
61
 
Total
 
$
6,977
  
$
7,214
  
$
1,394
  
$
6,870
  
$
41
  
$
6,990
  
$
119
 
                             
      
Unpaid
      
Average
  
Interest
         
  
Recorded
  
Principal
  
Related
  
Recorded
  
Income
         
December 31, 2013
 
Investment
  
Balance
  
Allowance
  
Investment
  
Recognized
         
With no related allowance recorded:
                            
Commercial Real Estate
 
$
102
  
$
101
  
$
-
  
$
865
  
$
8
         
Agricultural Real Estate
  
-
   
-
   
-
   
2,185
   
-
         
Residential 1st Mortgages
  
-
   
-
   
-
   
450
   
11
         
Home Equity Lines and Loans
  
-
   
-
   
-
   
228
   
5
         
Agricultural
  
35
   
43
   
-
   
586
   
-
         
Commercial
  
3,474
   
3,532
   
-
   
939
   
13
         
  
$
3,611
  
$
3,676
  
$
-
  
$
5,253
  
$
37
         
With an allowance recorded:
                            
Commercial Real Estate
 
$
-
  
$
-
  
$
-
  
$
2
  
$
-
         
Agricultural Real Estate
  
-
   
-
   
-
   
823
   
-
         
Residential 1st Mortgages
  
769
   
826
   
154
   
254
   
6
         
Home Equity Lines and Loans
  
689
   
821
   
138
   
332
   
3
         
Agricultural
  
488
   
488
   
122
   
1,002
   
31
         
Commercial
  
1,641
   
1,657
   
820
   
1,072
   
6
         
Consumer & Other
  
50
   
53
   
50
   
126
   
3
         
  
$
3,637
  
$
3,845
  
$
1,284
  
$
3,611
  
$
49
         
Total
 
$
7,248
  
$
7,521
  
$
1,284
  
$
8,864
  
$
86
         
                             
              
Three Months Ended Sept. 30, 2013
  
Nine Months Ended Sept. 30, 2013
 
      
Unpaid
      
Average
  
Interest
  
Average
  
Interest
 
  
Recorded
  
Principal
  
Related
  
Recorded
  
Income
  
Recorded
  
Income
 
September 30, 2013
 
Investment
  
Balance
  
Allowance
  
Investment
  
Recognized
  
Investment
  
Recognized
 
With no related allowance recorded:
                            
Commercial Real Estate
 
$
279
  
$
299
  
$
-
  
$
1,626
  
$
2
  
$
953
  
$
6
 
Agricultural Real Estate
  
850
   
1,173
   
-
   
2,616
   
-
   
3,777
   
-
 
Residential 1st Mortgages
  
535
   
588
   
-
   
533
   
4
   
643
   
11
 
Home Equity Lines & Loans
  
287
   
306
   
-
   
331
   
3
   
379
   
5
 
Agricultural
  
99
   
121
   
-
   
278
   
-
   
1,239
   
-
 
Commercial
  
85
   
85
   
-
   
89
   
2
   
99
   
6
 
  
$
2,135
  
$
2,572
  
$
-
  
$
5,473
  
$
11
  
$
7,090
  
$
28
 
With an allowance recorded:
                            
Commercial Real Estate
 
$
-
  
$
-
  
$
-
  
$
4
  
$
-
  
$
2
  
$
-
 
Agricultural Real Estate
  
-
   
-
   
-
   
725
   
-
   
1,221
   
-
 
Residential 1st Mortgages
  
246
   
246
   
50
   
123
   
-
   
27
   
-
 
Home Equity Lines & Loans
  
243
   
290
   
132
   
243
   
-
   
195
   
-
 
Agricultural
  
488
   
488
   
122
   
766
   
8
   
1,562
   
24
 
Commercial
  
2,084
   
2,095
   
1,856
   
1,251
   
2
   
436
   
6
 
Consumer & Other
  
53
   
56
   
53
   
55
   
1
   
185
   
3
 
  
$
3,114
  
$
3,175
  
$
2,213
  
$
3,167
  
$
11
  
$
3,628
  
$
33
 
Total
 
$
5,249
  
$
5,747
  
$
2,213
  
$
8,640
  
$
22
  
$
10,718
  
$
61
 
Loans & leases by class modified as troubled debt restructured loans
The following table presents loans by class, modified as troubled debt restructured loans & leases for the three and nine-month periods ended September 30, 2014 (in thousands):

 
 
Three Months Ended September 30, 2014
  
Nine Months Ended September 30, 2014
 
Troubled Debt Restructurings
 
Number of
Loans
  
Pre-Modification Outstanding
Recorded
Investment
  
Post-Modification
Outstanding
Recorded
Investment
  
Number of
Loans
  
Pre-Modification Outstanding
Recorded
Investment
  
Post-Modification Outstanding
Recorded
Investment
 
Residential 1st Mortgages
  
1
  
$
248
  
$
222
   
4
  
$
565
  
$
528
 
Home Equity Lines & Loans
  
1
   
51
   
47
   
3
   
98
   
89
 
Agricultural
  
-
   
-
   
-
   
1
   
32
   
32
 
Total
  
2
  
$
299
  
$
269
   
8
  
$
695
  
$
649
 
The following table presents loans or leases by class modified as troubled debt restructured loans during the twelve-month period ended December 31, 2013 (in thousands):

 
 
December 31, 2013
 
Troubled Debt Restructurings
 
Number of
Loans
  
Pre-Modification Outstanding
Recorded
Investment
  
Post-Modification Outstanding
Recorded
Investment
 
Residential 1st Mortgages
  
4
  
$
306
  
$
290
 
Home Equity Lines and Loans
  
4
   
414
   
387
 
Commercial
  
4
   
5,016
   
5,016
 
Total
  
12
  
$
5,736
  
$
5,693
 
The following table presents loans by class, modified as troubled debt restructured loans & leases for the three and nine-month periods ended September 30, 2013 (in thousands):

 
 
Three Months Ended September 30, 2013
  
Nine Months Ended September 30, 2013
 
Troubled Debt Restructurings
 
Number of
Loans
  
Pre-Modification Outstanding
Recorded
Investment
  
Post-Modification Outstanding
Recorded
Investment
  
Number of
Loans
  
Pre-Modification Outstanding
Recorded
Investment
  
Post-Modification Outstanding
Recorded
Investment
 
Residential 1st Mortgages
  
-
  
$
-
  
$
-
   
4
  
$
306
  
$
290
 
Home Equity Lines & Loans
  
-
   
-
   
-
   
2
   
195
   
184
 
Commercial
  
-
   
-
   
-
   
2
   
292
   
292
 
Total
  
-
  
$
-
  
$
-
   
8
  
$
793
  
$
766