XML 32 R22.htm IDEA: XBRL DOCUMENT v3.8.0.1
Loans and Allowance (Tables)
 3 Months Ended
Mar. 31, 2018
Loans and Allowance [Abstract]  
Schedule of Classes of Loans

Classes of loans at March 31, 2018 and December 31, 2017 include:    





 

 

 

 

 



 

 

 

 

 



March 31,

 

December 31,



2018

 

2017

Real estate

 

 

 

 

 

Commercial

$

 490,885 

 

$

 318,684 

Commercial construction and development

 

 52,889 

 

 

 28,164 

Consumer closed end first mortgage

 

 476,422 

 

 

 444,243 

Consumer open end and junior liens

 

 75,942 

 

 

 69,477 

Total real estate loans

 

 1,096,138 

 

 

 860,568 

Other loans

 

 

 

 

 

Consumer loans

 

 

 

 

 

Auto

 

 22,110 

 

 

 19,640 

Boat/RVs

 

 175,747 

 

 

 169,238 

Other

 

 6,190 

 

 

 6,188 

Commercial and industrial

 

 152,276 

 

 

 131,079 

Total other loans

 

 356,323 

 

 

 326,145 

Total loans

 

 1,452,461 

 

 

 1,186,713 

Undisbursed loans in process

 

 (9,502)

 

 

 (13,071)

Unamortized deferred loan costs, net

 

 6,467 

 

 

 6,503 

Allowance for loan losses

 

 (12,537)

 

 

 (12,387)

Net loans

$

 1,436,889 

 

$

 1,167,758 



Non-Accrual Loans Segregated by Class of Loans



Nonaccrual loans, segregated by class of loans, as of March 31, 2018 and December 31, 2017 are as follows:





 

 

 

 

 



 

 

 

 

 



March 31,

 

December 31,



2018

 

2017

Real estate

 

 

 

 

 

Commercial

$

 1,377 

 

$

 1,107 

Commercial construction and development

 

 -

 

 

 -

Consumer closed end first mortgage

 

 3,616 

 

 

 3,409 

Consumer open end and junior liens

 

 223 

 

 

 309 

Consumer loans

 

 

 

 

 

Auto

 

 11 

 

 

 22 

Boat/RVs

 

 367 

 

 

 198 

Other

 

 52 

 

 

 16 

Commercial and industrial

 

 182 

 

 

 159 

Total nonaccrual loans

$

 5,828 

 

$

 5,220 



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, 2018 and December 31, 2017 are as follows:





 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



March 31, 2018



 

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 Past Due and Accruing

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 2,263 

 

$

 3,407 

 

$

 905 

 

$

 6,575 

 

$

 484,310 

 

$

 490,885 

 

$

 -

Commercial construction and development

 

 40 

 

 

 -

 

 

 -

 

 

 40 

 

 

 52,849 

 

 

 52,889 

 

 

 -

Consumer closed end first mortgage

 

 5,583 

 

 

 1,462 

 

 

 3,004 

 

 

 10,049 

 

 

 466,373 

 

 

 476,422 

 

 

 22 

Consumer open end and junior liens

 

 295 

 

 

 101 

 

 

 211 

 

 

 607 

 

 

 75,335 

 

 

 75,942 

 

 

 10 

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 102 

 

 

 45 

 

 

 10 

 

 

 157 

 

 

 21,953 

 

 

 22,110 

 

 

 -

Boat/RVs

 

 718 

 

 

 299 

 

 

 230 

 

 

 1,247 

 

 

 174,500 

 

 

 175,747 

 

 

 -

Other

 

 132 

 

 

 9 

 

 

 57 

 

 

 198 

 

 

 5,992 

 

 

 6,190 

 

 

 5 

Commercial and industrial

 

 275 

 

 

 9 

 

 

 183 

 

 

 467 

 

 

 151,809 

 

 

 152,276 

 

 

 -

Total

$

 9,408 

 

$

 5,332 

 

$

 4,600 

 

$

 19,340 

 

$

 1,433,121 

 

$

 1,452,461 

 

$

 37 











 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



December 31, 2017



 

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 Past Due and Accruing

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 2,171 

 

$

 3,311 

 

$

 998 

 

$

 6,480 

 

$

 312,204 

 

$

 318,684 

 

$

 -

Commercial construction and development

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 28,164 

 

 

 28,164 

 

 

 -

Consumer closed end first mortgage

 

 5,914 

 

 

 1,340 

 

 

 3,224 

 

 

 10,478 

 

 

 433,765 

 

 

 444,243 

 

 

 31 

Consumer open end and junior liens

 

 540 

 

 

 123 

 

 

 264 

 

 

 927 

 

 

 68,550 

 

 

 69,477 

 

 

 -

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 114 

 

 

 24 

 

 

 1 

 

 

 139 

 

 

 19,501 

 

 

 19,640 

 

 

 -

Boat/RVs

 

 1,613 

 

 

 338 

 

 

 103 

 

 

 2,054 

 

 

 167,184 

 

 

 169,238 

 

 

 -

Other

 

 65 

 

 

 18 

 

 

 12 

 

 

 95 

 

 

 6,093 

 

 

 6,188 

 

 

 -

Commercial and industrial

 

 276 

 

 

 10 

 

 

 159 

 

 

 445 

 

 

 130,634 

 

 

 131,079 

 

 

 -

Total

$

 10,693 

 

$

 5,164 

 

$

 4,761 

 

$

 20,618 

 

$

 1,166,095 

 

$

 1,186,713 

 

$

 31 



Impaired Loans

The following tables present impaired loans as of and for the three month periods ended March 31, 2018 and 2017 and as of and for the year ended December 31, 2017. 



 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 



March 31, 2018



Recorded Balance

 

Unpaid Principal Balance

 

Specific Allowance

 

Average Investment in Impaired Loans

 

Interest Income Recognized

Loans without a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 801 

 

$

 801 

 

$

 -

 

$

 839 

 

$

 -

Commercial construction and development

 

 668 

 

 

 668 

 

 

 -

 

 

 684 

 

 

 7 

Consumer closed end first mortgage

 

 1,411 

 

 

 1,411 

 

 

 -

 

 

 1,477 

 

 

 1 

Commercial and industrial

 

 152 

 

 

 152 

 

 

 -

 

 

 212 

 

 

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans with a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

 214 

 

 

 214 

 

 

 100 

 

 

 214 

 

 

 1 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 1,015 

 

$

 1,015 

 

$

 100 

 

$

 1,053 

 

$

 1 

Commercial construction and development

$

 668 

 

$

 668 

 

$

 -

 

$

 684 

 

$

 7 

Consumer closed end first mortgage

$

 1,411 

 

$

 1,411 

 

$

 -

 

$

 1,477 

 

$

 1 

Commercial and industrial

$

 152 

 

$

 152 

 

$

 -

 

$

 212 

 

$

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

 3,246 

 

$

 3,246 

 

$

 100 

 

$

 3,426 

 

$

 9 





 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 



March 31, 2017



Recorded Balance

 

Unpaid Principal Balance

 

Specific Allowance

 

Average Investment in Impaired Loans

 

Interest Income Recognized

Loans without a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 813 

 

$

 813 

 

$

 -

 

$

 739 

 

$

 -

Commercial construction and development

 

 792 

 

 

 792 

 

 

 -

 

 

 807 

 

 

 9 

Consumer closed end first mortgage

 

 1,850 

 

 

 1,850 

 

 

 -

 

 

 1,859 

 

 

 -

Commercial and industrial

 

 179 

 

 

 179 

 

 

 -

 

 

 183 

 

 

 1 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans with a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

 214 

 

 

 214 

 

 

 100 

 

 

 214 

 

 

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 1,027 

 

$

 1,027 

 

$

 100 

 

$

 953 

 

$

 -

Commercial construction and development

$

 792 

 

$

 792 

 

$

 -

 

$

 807 

 

$

 9 

Consumer closed end first mortgage

$

 1,850 

 

$

 1,850 

 

$

 -

 

$

 1,859 

 

$

 -

Commercial and industrial

$

 179 

 

$

 179 

 

$

 -

 

$

 183 

 

$

 1 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

 3,848 

 

$

 3,848 

 

$

 100 

 

$

 3,802 

 

$

 10 







 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 



December 31, 2017



Recorded Balance

 

Unpaid Principal Balance

 

Specific Allowance

 

Average Investment in Impaired Loans

 

Interest Income Recognized

Loans without a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 878 

 

$

 878 

 

$

 -

 

$

 765 

 

$

 1 

Commercial construction and development

 

 700 

 

 

 700 

 

 

 -

 

 

 762 

 

 

 33 

Consumer closed end first mortgage

 

 1,543 

 

 

 1,543 

 

 

 -

 

 

 1,451 

 

 

 1 

Consumer open end and junior liens

 

 

 

 

 

 

 

 -

 

 

 

 

 

 

Commercial and industrial

 

 272 

 

 

 342 

 

 

 -

 

 

 216 

 

 

 5 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans with a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

 214 

 

 

 214 

 

 

 100 

 

 

 214 

 

 

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 1,092 

 

$

 1,092 

 

$

 100 

 

$

 979 

 

$

 1 

Commercial construction and development

$

 700 

 

$

 700 

 

$

 -

 

$

 762 

 

$

 33 

Consumer closed end first mortgage

$

 1,543 

 

$

 1,543 

 

$

 -

 

$

 1,451 

 

$

 1 

Consumer open end and junior liens

$

 -

 

$

 -

 

$

 -

 

$

 -

 

$

 -

Commercial and industrial

$

 272 

 

$

 342 

 

$

 -

 

$

 216 

 

$

 5 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

 3,607 

 

$

 3,677 

 

$

 100 

 

$

 3,408 

 

$

 40 



Commercial and Retail Credit Exposure Credit Risk Profile by Internal Rating



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



March 31, 2018



 

Commercial

 

Consumer

 

 

 



 

Pass

 

Special Mention

 

Substandard

 

Doubtful

 

Pass

 

Special Mention

 

Substandard

 

Total

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

$

 472,398 

 

$

 10,996 

 

$

 7,474 

 

$

 17 

 

 

 

 

 

 

 

 

 

 

$

 490,885 

Commercial construction and development

 

 

 52,221 

 

 

 -

 

 

 668 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 52,889 

Consumer closed end first mortgage

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 470,769 

 

$

 -

 

$

 5,653 

 

 

 476,422 

Consumer open end and junior liens

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 75,590 

 

 

 -

 

 

 352 

 

 

 75,942 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 22,085 

 

 

 -

 

 

 25 

 

 

 22,110 

Boat/RVs

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 175,358 

 

 

 -

 

 

 389 

 

 

 175,747 

Other

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 6,111 

 

 

 -

 

 

 79 

 

 

 6,190 

Commercial and industrial

 

 

 139,761 

 

 

 5,665 

 

 

 6,850 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 152,276 



 

$

 664,380 

 

$

 16,661 

 

$

 14,992 

 

$

 17 

 

$

 749,913 

 

$

 -

 

$

 6,498 

 

$

 1,452,461 









 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



December 31, 2017



 

Commercial

 

Consumer

 

 

 



 

Pass

 

Special Mention

 

Substandard

 

Doubtful

 

Pass

 

Special Mention

 

Substandard

 

Total

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

$

 309,451 

 

$

 4,219 

 

$

 4,996 

 

$

 18 

 

 

 

 

 

 

 

 

 

 

$

 318,684 

Commercial construction and development

 

 

 27,464 

 

 

 -

 

 

 700 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 28,164 

Consumer closed end first mortgage

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 439,075 

 

$

 -

 

$

 5,168 

 

 

 444,243 

Consumer open end and junior liens

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 69,130 

 

 

 -

 

 

 347 

 

 

 69,477 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 19,616 

 

 

 -

 

 

 24 

 

 

 19,640 

Boat/RVs

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 169,036 

 

 

 -

 

 

 202 

 

 

 169,238 

Other

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 6,133 

 

 

 -

 

 

 55 

 

 

 6,188 

Commercial and industrial

 

 

 120,211 

 

 

 5,784 

 

 

 5,084 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 131,079 



 

$

 457,126 

 

$

 10,003 

 

$

 10,780 

 

$

 18 

 

$

 702,990 

 

$

 -

 

$

 5,796 

 

$

 1,186,713 



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, 2018 and 2017, 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, 2018



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

$

 7,704 

 

$

 1,761 

 

$

 2,922 

 

$

 12,387 

Provision charged (credited) to expense

 

 408 

 

 

 (49)

 

 

 91 

 

 

 450 

Losses charged off

 

 (138)

 

 

 (20)

 

 

 (214)

 

 

 (372)

Recoveries

 

 -

 

 

 8 

 

 

 64 

 

 

 72 

Balance, end of period

$

 7,974 

 

$

 1,700 

 

$

 2,863 

 

$

 12,537 







 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2017



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

$

 7,358 

 

$

 2,303 

 

$

 2,721 

 

$

 12,382 

Provision charged (credited) to expense

 

 32 

 

 

 17 

 

 

 151 

 

 

 200 

Losses charged off

 

 -

 

 

 (45)

 

 

 (204)

 

 

 (249)

Recoveries

 

 7 

 

 

 4 

 

 

 38 

 

 

 49 

Balance, end of period

$

 7,397 

 

$

 2,279 

 

$

 2,706 

 

$

 12,382 



The following tables provide a breakdown of the allowance for loan losses and loan portfolio balances by segment as of March 31, 2018 and 2017, and December 31, 2017.



 



 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



March 31, 2018



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 100 

 

$

 -

 

$

 -

 

$

 100 

Collectively evaluated for impairment

 

 7,874 

 

 

 1,700 

 

 

 2,863 

 

 

 12,437 

Loans acquired with deteriorated credit quality

 

 -

 

 

 -

 

 

 -

 

 

 -

Total allowance for loan losses

$

 7,974 

 

$

 1,700 

 

$

 2,863 

 

$

 12,537 

Loan balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 1,835 

 

$

 1,411 

 

$

 -

 

$

 3,246 

Collectively evaluated for impairment

 

 693,903 

 

 

 475,011 

 

 

 279,989 

 

 

 1,448,903 

Loans acquired with deteriorated credit quality

 

 312 

 

 

 -

 

 

 -

 

 

 312 

Gross loans

$

 696,050 

 

$

 476,422 

 

$

 279,989 

 

$

 1,452,461 













 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



March 31, 2017



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 100 

 

$

 -

 

$

 -

 

$

 100 

Collectively evaluated for impairment

 

 7,297 

 

 

 2,279 

 

 

 2,706 

 

 

 12,282 

Total allowance for loan losses

$

 7,397 

 

$

 2,279 

 

$

 2,706 

 

$

 12,382 

Loan balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 1,998 

 

$

 1,850 

 

$

 -

 

$

 3,848 

Collectively evaluated for impairment

 

 454,481 

 

 

 473,497 

 

 

 239,561 

 

 

 1,167,539 

Gross loans

$

 456,479 

 

$

 475,347 

 

$

 239,561 

 

$

 1,171,387 





 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



December 31, 2017



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 100 

 

$

 -

 

$

 -

 

$

 100 

Collectively evaluated for impairment

 

 7,604 

 

 

 1,761 

 

 

 2,922 

 

 

 12,287 

Total allowance for loan losses

$

 7,704 

 

$

 1,761 

 

$

 2,922 

 

$

 12,387 

Loan balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 2,064 

 

$

 1,543 

 

$

 -

 

$

 3,607 

Collectively evaluated for impairment

 

 475,863 

 

 

 442,700 

 

 

 264,543 

 

 

 1,183,106 

Gross loans

$

 477,927 

 

$

 444,243 

 

$

 264,543 

 

$

 1,186,713 



Troubled Debts Restructured

The following tables describe troubled debts restructured during the three month periods ended March 31, 2018 and 2017:





 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



Three Months Ended



March 31, 2018

 

March 31, 2017



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

 3 

 

$

 138 

 

$

 140 

 

 -

 

$

 -

 

$

 -

Consumer closed end first mortgage

 3 

 

 

 47 

 

 

 59 

 

 1 

 

 

 65 

 

 

 67 

Consumer open end and junior liens

 1 

 

 

 36 

 

 

 36 

 

 -

 

 

 -

 

 

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 1 

 

 

 61 

 

 

 61 

 

 1 

 

 

 72 

 

 

 72 



Newly Restructured Loans by Types

Newly restructured loans by type for the three months ended March 31, 2018 and 2017 are as follows:



 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2018



 

Rate

 

 

Term

 

 

Combination

 

 

Total Modification

Real estate

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 -

 

$

 -

 

$

 140 

 

$

 140 

Consumer closed end first mortgage

 

 -

 

 

 -

 

 

 59 

 

 

 59 

Consumer open end and junior liens

 

 -

 

 

 36 

 

 

 -

 

 

 36 



 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 -

 

 

 61 

 

 

 -

 

 

 61 







 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2017



 

Rate

 

 

Term

 

 

Combination

 

 

Total Modification

Real estate

 

 

 

 

 

 

 

 

 

 

 

Consumer closed end first mortgage

$

 -

 

$

 -

 

$

 67 

 

$

 67 



 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 -

 

 

 72 

 

 

 -

 

 

 72