XML 30 R20.htm IDEA: XBRL DOCUMENT v3.4.0.3
Loans and Allowance (Tables)
 3 Months Ended
Mar. 31, 2016
Loans and Allowance [Abstract]  
Schedule of Classes of Loans

Classes of loans at March 31, 2016 and December 31, 2015 include:    





 

 

 

 

 



 

 

 

 

 



March 31,

 

December 31,



2016

 

2015

Real estate

 

 

 

 

 

Commercial

$

 248,893 

 

$

 236,895 

Commercial construction and development

 

 18,039 

 

 

 15,744 

Consumer closed end first mortgage

 

 487,389 

 

 

 491,451 

Consumer open end and junior liens

 

 70,911 

 

 

 70,990 



 

 825,232 

 

 

 815,080 

Other loans

 

 

 

 

 

Consumer loans

 

 

 

 

 

Auto

 

 15,506 

 

 

 15,480 

Boat/RVs

 

 126,810 

 

 

 123,621 

Other

 

 5,785 

 

 

 6,171 

Commercial and industrial

 

 118,275 

 

 

 123,043 



 

 266,376 

 

 

 268,315 

Total loans

 

 1,091,608 

 

 

 1,083,395 

Undisbursed loans in process

 

 (9,644)

 

 

 (7,432)

Unamortized deferred loan costs, net

 

 4,927 

 

 

 4,882 

Allowance for loan losses

 

 (12,670)

 

 

 (12,641)

Net loans

$

 1,074,221 

 

$

 1,068,204 



Non-Accrual Loans Segregated by Class of Loans



Nonaccrual loans, segregated by class of loans, as of March 31, 2016 and December 31, 2015 are as follows:





 

 

 

 

 



 

 

 

 

 



March 31,

 

December 31,



2016

 

2015

Real estate

 

 

 

 

 

Commercial

$

 2,109 

 

$

 2,356 

Commercial construction and development

 

 22 

 

 

 -

Consumer closed end first mortgage

 

 3,180 

 

 

 3,592 

Consumer open end and junior liens

 

 635 

 

 

 783 

Consumer loans

 

 

 

 

 

Auto

 

 15 

 

 

 -

Boat/RVs

 

 90 

 

 

 81 

Other

 

 20 

 

 

 67 

Commercial and industrial

 

 2 

 

 

 25 

Total nonaccrual loans

$

 6,073 

 

$

 6,904 



Age Analysis of Past Due Loans Segregated by Class of Loans



An age analysis of the Company’s past due loans, segregated by class of loans, as of March 31, 2016 and December 31, 2015 are as follows:





 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



March 31, 2016



 

30-59 Days Past Due

 

 

60-89 Days Past Due

 

 

90 Days or More Past Due

 

 

Total Past Due

 

 

Current

 

 

Total Loans Receivable

 

 

Total Loans 90 Days or More Past Due and Accruing

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 725 

 

$

 149 

 

$

 1,968 

 

$

 2,842 

 

$

 246,051 

 

$

 248,893 

 

$

 -

Commercial construction and development

 

 -

 

 

 -

 

 

 2 

 

 

 2 

 

 

 18,037 

 

 

 18,039 

 

 

 -

Consumer closed end first mortgage

 

 5,607 

 

 

 2,189 

 

 

 3,319 

 

 

 11,115 

 

 

 476,274 

 

 

 487,389 

 

 

 385 

Consumer open end and junior liens

 

 222 

 

 

 202 

 

 

 635 

 

 

 1,059 

 

 

 69,852 

 

 

 70,911 

 

 

 -

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 53 

 

 

 3 

 

 

 15 

 

 

 71 

 

 

 15,435 

 

 

 15,506 

 

 

 -

Boat/RVs

 

 534 

 

 

 101 

 

 

 77 

 

 

 712 

 

 

 126,098 

 

 

 126,810 

 

 

 -

Other

 

 121 

 

 

 18 

 

 

 20 

 

 

 159 

 

 

 5,626 

 

 

 5,785 

 

 

 -

Commercial and industrial

 

 50 

 

 

 36 

 

 

 -

 

 

 86 

 

 

 118,189 

 

 

 118,275 

 

 

 -

Total

$

 7,312 

 

$

 2,698 

 

$

 6,036 

 

$

 16,046 

 

$

 1,075,562 

 

$

 1,091,608 

 

$

 385 











 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



December 31, 2015



 

30-59 Days Past Due

 

 

60-89 Days Past Due

 

 

90 Days or More Past Due

 

 

Total Past Due

 

 

Current

 

 

Total Loans Receivable

 

 

Total Loans 90 Days or More Past Due and Accruing

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 922 

 

$

 20 

 

$

 2,212 

 

$

 3,154 

 

$

 233,741 

 

$

 236,895 

 

$

 -

Commercial construction and development

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 15,744 

 

 

 15,744 

 

 

 -

Consumer closed end first mortgage

 

 7,272 

 

 

 1,328 

 

 

 3,091 

 

 

 11,691 

 

 

 479,760 

 

 

 491,451 

 

 

 267 

Consumer open end and junior liens

 

 296 

 

 

 187 

 

 

 765 

 

 

 1,248 

 

 

 69,742 

 

 

 70,990 

 

 

 -

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 89 

 

 

 -

 

 

 -

 

 

 89 

 

 

 15,391 

 

 

 15,480 

 

 

 -

Boat/RVs

 

 1,135 

 

 

 102 

 

 

 71 

 

 

 1,308 

 

 

 122,313 

 

 

 123,621 

 

 

 -

Other

 

 89 

 

 

 14 

 

 

 62 

 

 

 165 

 

 

 6,006 

 

 

 6,171 

 

 

 -

Commercial and industrial

 

 192 

 

 

 383 

 

 

 5 

 

 

 580 

 

 

 122,463 

 

 

 123,043 

 

 

 -

Total

$

 9,995 

 

$

 2,034 

 

$

 6,206 

 

$

 18,235 

 

$

 1,065,160 

 

$

 1,083,395 

 

$

 267 



Impaired Loans

The following tables present impaired loans as of and for the three month periods ended March 31, 2016 and 2015 and the year ended December 31, 2015.  There were no loans with a specific valuation allowance as of March 31, 2015.





 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 



March 31, 2016



Recorded Balance

 

Unpaid Principal Balance

 

Specific Allowance

 

Average Investment in Impaired Loans

 

Interest Income Recognized

Loans without a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 3,150 

 

$

 3,150 

 

$

 -

 

$

 3,172 

 

$

 23 

Commercial construction and development

 

 859 

 

 

 859 

 

 

 -

 

 

 934 

 

 

 12 

Consumer closed end first mortgage

 

 1,126 

 

 

 1,126 

 

 

 -

 

 

 1,126 

 

 

 -

Consumer open end and junior liens

 

 485 

 

 

 485 

 

 

 -

 

 

 483 

 

 

 -

Commercial and industrial

 

 208 

 

 

 208 

 

 

 -

 

 

 212 

 

 

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans with a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

 517 

 

 

 517 

 

 

 100 

 

 

 596 

 

 

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 3,667 

 

$

 3,667 

 

$

 100 

 

$

 3,768 

 

$

 23 

Commercial construction and development

$

 859 

 

$

 859 

 

$

 -

 

$

 934 

 

$

 12 

Consumer closed end first mortgage

$

 1,126 

 

$

 1,126 

 

$

 -

 

$

 1,126 

 

$

 -

Consumer open end and junior liens

$

 485 

 

$

 485 

 

$

 -

 

$

 483 

 

$

 -

Commercial and industrial

$

 208 

 

$

 208 

 

$

 -

 

$

 212 

 

$

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

 6,345 

 

$

 6,345 

 

$

 100 

 

$

 6,523 

 

$

 35 







 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 



December 31, 2015

 

 

 



Recorded Balance

 

Unpaid Principal Balance

 

Specific Allowance

 

Average Investment in Impaired Loans

 

Interest Income Recognized

Loans without a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 3,608 

 

$

 3,608 

 

$

 -

 

$

 4,115 

 

$

 172 

Commercial construction and development

 

 595 

 

 

 595 

 

 

 -

 

 

 735 

 

 

 31 

Consumer closed end first mortgage

 

 1,126 

 

 

 1,126 

 

 

 -

 

 

 1,131 

 

 

 -

Consumer open end and junior liens

 

 481 

 

 

 481 

 

 

 -

 

 

 381 

 

 

 -

Commercial and industrial

 

 214 

 

 

 214 

 

 

 -

 

 

 423 

 

 

 2 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans with a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

 676 

 

 

 676 

 

 

 100 

 

 

 793 

 

 

 20 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 4,284 

 

$

 4,284 

 

$

 100 

 

$

 4,908 

 

$

 192 

Commercial construction and development

$

 595 

 

$

 595 

 

$

 -

 

$

 735 

 

$

 31 

Consumer closed end first mortgage

$

 1,126 

 

$

 1,126 

 

$

 -

 

$

 1,131 

 

$

 -

Consumer open end and junior liens

$

 481 

 

$

 481 

 

$

 -

 

$

 381 

 

$

 -

Commercial and industrial

$

 214 

 

$

 214 

 

$

 -

 

$

 423 

 

$

 2 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

 6,700 

 

$

 6,700 

 

$

 100 

 

$

 7,578 

 

$

 225 







 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 



March 31, 2015



Recorded Balance

 

Unpaid Principal Balance

 

Specific Allowance

 

Average Investment in Impaired Loans

 

Interest Income Recognized

Loans without a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 5,225 

 

$

 5,225 

 

$

 -

 

$

 5,079 

 

$

 56 

Commercial construction and development

 

 851 

 

 

 1,628 

 

 

 -

 

 

 891 

 

 

 7 

Consumer closed end first mortgage

 

 1,138 

 

 

 1,138 

 

 

 -

 

 

 1,138 

 

 

 -

Consumer open end and junior liens

 

 476 

 

 

 476 

 

 

 -

 

 

 238 

 

 

 -

Commercial and industrial

 

 702 

 

 

 733 

 

 

 -

 

 

 730 

 

 

 1 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

 8,392 

 

$

 9,200 

 

$

 -

 

$

 8,076 

 

$

 64 



Commercial and Retail Credit Exposure Credit Risk Profile by Internal Rating



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



March 31, 2016



 

Commercial

 

Consumer

 

 

 



 

Pass

 

Special Mention

 

Substandard

 

Doubtful

 

Pass

 

Special Mention

 

Substandard

 

Total

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

$

 236,382 

 

$

 6,995 

 

$

 5,483 

 

$

 33 

 

 

 

 

 

 

 

 

 

 

$

 248,893 

Commercial construction and development

 

 

 16,060 

 

 

 1,095 

 

 

 884 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 18,039 

Consumer closed end first mortgage

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 481,227 

 

$

 -

 

$

 6,162 

 

 

 487,389 

Consumer open end and junior liens

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 70,200 

 

 

 -

 

 

 711 

 

 

 70,911 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 15,491 

 

 

 -

 

 

 15 

 

 

 15,506 

Boat/RVs

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 126,662 

 

 

 -

 

 

 148 

 

 

 126,810 

Other

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 5,760 

 

 

 -

 

 

 25 

 

 

 5,785 

Commercial and industrial

 

 

 114,787 

 

 

 3,295 

 

 

 193 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 118,275 



 

$

 367,229 

 

$

 11,385 

 

$

 6,560 

 

$

 33 

 

$

 699,340 

 

$

 -

 

$

 7,061 

 

$

 1,091,608 









 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



December 31, 2015



 

Commercial

 

Consumer

 

 

 



 

Pass

 

Special Mention

 

Substandard

 

Doubtful

 

Pass

 

Special Mention

 

Substandard

 

Total

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

$

 226,439 

 

$

 4,137 

 

$

 6,319 

 

$

 -

 

 

 

 

 

 

 

 

 

 

$

 236,895 

Commercial construction and development

 

 

 13,986 

 

 

 1,309 

 

 

 449 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 15,744 

Consumer closed end first mortgage

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 484,658 

 

$

 -

 

$

 6,793 

 

 

 491,451 

Consumer open end and junior liens

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 70,086 

 

 

 -

 

 

 904 

 

 

 70,990 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 15,480 

 

 

 -

 

 

 -

 

 

 15,480 

Boat/RVs

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 123,490 

 

 

 -

 

 

 131 

 

 

 123,621 

Other

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 6,097 

 

 

 -

 

 

 74 

 

 

 6,171 

Commercial and industrial

 

 

 119,540 

 

 

 3,300 

 

 

 203 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 123,043 



 

$

 359,965 

 

$

 8,746 

 

$

 6,971 

 

$

 -

 

$

 699,811 

 

$

 -

 

$

 7,902 

 

$

 1,083,395 



Activity in Allowance for Loan Losses by Portfolio Segment

The following table details activity in the allowance for loan losses by portfolio segment for the three month periods ended March 31, 2016 and 2015, respectively.  Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other segments.





 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2016



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

$

 7,090 

 

$

 2,683 

 

$

 2,868 

 

$

 12,641 

Provision charged to expense

 

 120 

 

 

 62 

 

 

 18 

 

 

 200 

Losses charged off

 

 (4)

 

 

 (120)

 

 

 (138)

 

 

 (262)

Recoveries

 

 2 

 

 

 4 

 

 

 85 

 

 

 91 

Balance, end of period

$

 7,208 

 

$

 2,629 

 

$

 2,833 

 

$

 12,670 





 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 





 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2015



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

$

 7,085 

 

$

 3,471 

 

$

 2,612 

 

$

 13,168 

Provision charged (credited) to expense

 

 (396)

 

 

 188 

 

 

 208 

 

 

 -

Losses charged off

 

 -

 

 

 (93)

 

 

 (117)

 

 

 (210)

Recoveries

 

 205 

 

 

 1 

 

 

 53 

 

 

 259 

Balance, end of period

$

 6,894 

 

$

 3,567 

 

$

 2,756 

 

$

 13,217 









 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



The following tables provide a breakdown of the allowance for loans losses and loan portfolio balances by segment as of March 31, 2016 and December 31, 2015.



 



 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2016



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 100 

 

$

 -

 

$

 -

 

$

 100 

Collectively evaluated for impairment

 

 7,108 

 

 

 2,629 

 

 

 2,833 

 

 

 12,570 

Total allowance for loan losses

$

 7,208 

 

$

 2,629 

 

$

 2,833 

 

$

 12,670 

Loan balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 4,734 

 

$

 1,126 

 

$

 485 

 

$

 6,345 

Collectively evaluated for impairment

 

 380,473 

 

 

 486,263 

 

 

 218,527 

 

 

 1,085,263 

Gross loans

$

 385,207 

 

$

 487,389 

 

$

 219,012 

 

$

 1,091,608 







 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Year Ended December 31, 2015



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 100 

 

$

 -

 

$

 -

 

$

 100 

Collectively evaluated for impairment

 

 6,990 

 

 

 2,683 

 

 

 2,868 

 

 

 12,541 

Total allowance for loan losses

$

 7,090 

 

$

 2,683 

 

$

 2,868 

 

$

 12,641 

Loan balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 5,093 

 

$

 1,126 

 

$

 481 

 

$

 6,700 

Collectively evaluated for impairment

 

 370,589 

 

 

 490,325 

 

 

 215,781 

 

 

 1,076,695 

Gross loans

$

 375,682 

 

$

 491,451 

 

$

 216,262 

 

$

 1,083,395 



Troubled Debts Restructured

The following tables describe troubled debts restructured during the three month periods ended March 31, 2016 and 2015:





 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2016

 

Three Months Ended March 31, 2015



No. of Loans

 

Pre-Modification Recorded Balance

 

Post-Modification Recorded Balance

 

No. of Loans

 

Pre-Modification Recorded Balance

 

Post-Modification Recorded Balance

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 -

 

$

 -

 

$

 -

 

 2 

 

$

 1,172 

 

$

1,170 

Construction and development

 -

 

 

 -

 

 

 -

 

 1 

 

 

 155 

 

 

134 

Consumer closed end first mortgage

 5 

 

 

 419 

 

 

428 

 

 3 

 

 

 156 

 

 

154 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 1 

 

 

 4 

 

 

4 

 

 -

 

 

 -

 

 

 -

Boat/RVs

 2 

 

 

 48 

 

 

48 

 

 -

 

 

 -

 

 

 -

Commercial and industrial

 1 

 

 

 83 

 

 

83 

 

 1 

 

 

 88 

 

 

83 



Newly Restructured Loans by Types

Newly restructured loans by type for the three months ended March 31, 2016 and 2015 are as follows:



 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2016



 

Rate

 

 

Term

 

 

Combination

 

 

Total Modification

Real Estate

 

 

 

 

 

 

 

 

 

 

 

Consumer closed end first mortgage

$

 -

 

$

 -

 

$

 428 

 

$

 428 



 

 

 

 

 

 

 

 

 

 

 

Other loans

 

 

 

 

 

 

 

 

 

 

 

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 -

 

 

 -

 

 

 4 

 

 

 4 

Boat/RVs

 

 -

 

 

 48 

 

 

 -

 

 

 48 

Commercial and industrial

 

 -

 

 

 83 

 

 

 -

 

 

 83 





 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2015



 

Rate

 

 

Term

 

 

Combination

 

 

Total Modification

Real Estate

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 -

 

$

 1,170 

 

$

 -

 

$

 1,170 

Commercial construction and development

 

 -

 

 

 -

 

 

 134 

 

 

 134 

Consumer closed end first mortgage

 

 -

 

 

 -

 

 

 154 

 

 

 154 



 

 

 

 

 

 

 

 

 

 

 

Other loans

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 -

 

 

 -

 

 

 83 

 

 

 83