Loans classified by type as of September 30, 2022 and December 31, 2021 are as follows (dollars in thousands):

The Bank has a purchased portfolio of rehabilitated student loans guaranteed by the U.S. Department of Education (“DOE”). The guarantee covers approximately 98% of principal and accrued interest. The loans are serviced by a third-party servicer that specializes in handling the special needs of the DOE student loan programs.

U.S. Small Business Administration ("SBA") Paycheck Protection Program ("PPP") loans, included in commercial and industrial loans in the above table, were $710,000 and $32,601,000 as of September 30, 2022 and December 31, 2021, respectively.

Loans pledged as collateral with the FHLB as part of their lending arrangement with the Company totaled $35,822,000 and $35,510,000 as of September 30, 2022 and December 31, 2021, respectively.

Loans are considered past due if the required principal and interest payments have not been received as of the date such payments were due. Loans are placed on nonaccrual status when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Loans may be placed on nonaccrual status regardless of whether or not such loans are considered past due as long as the remaining recorded investment in the loan is deemed fully collectible. When interest accrual is discontinued, all unpaid accrued interest is reversed. Interest income is subsequently recognized only to the extent cash payments are received in excess of principal due. Loans are returned to accrual status when all principal and interest amounts contractually due are brought current and future payments are reasonably assured.

The following table provides information on nonaccrual loans segregated by type at the dates indicated (in thousands):

The Company assigns risk rating classifications to its loans. These risk ratings are divided into the following groups:

The following tables provide information on the risk rating of loans at the dates indicated (in thousands):


	Risk Rated		Risk Rated		Risk Rated		Risk Rated		Total
	1‑4		5		6		7		Loans
September 30, 2022
Construction and land development
Residential	$	8,437	$	—	$	—	$	—	$	8,437
Commercial		29,472		2,637		—		—		32,109
		37,909		2,637		—		—		40,546
Commercial real estate
Owner occupied		118,343		2,454		1,270		—		122,067
Non-owner occupied		151,609		4,097		275		—		155,981
Multifamily		11,309		—		—		—		11,309
Farmland		564		—		—		—		564
		281,825		6,551		1,545		—		289,921
Consumer real estate
Home equity lines		19,026		565		300		—		19,891
Secured by 1-4 family residential
First deed of trust		64,661		553		490		—		65,704
Second deed of trust		6,608		72		250		—		6,930
		90,295		1,190		1,040		—		92,525
Commercial and industrial loans
(except those secured by real estate)		91,088		426		89		—		91,603
Guaranteed student loans		22,010		—		—		—		22,010
Consumer and other		4,054		—		24		—		4,078

Total loans	$	527,181	$	10,804	$	2,698	$	—	$	540,683


	Risk Rated		Risk Rated		Risk Rated		Risk Rated		Total
	1‑4		5		6		7		Loans
December 31, 2021
Construction and land development
Residential	$	6,805	$	—	$	—	$	—	$	6,805
Commercial		39,707		2,637		—		—		42,344
		46,512		2,637		—		—		49,149
Commercial real estate
Owner occupied		103,370		6,181		3,557		—		113,108
Non-owner occupied		114,168		15,332		286		—		129,786
Multifamily		11,666		—		—		—		11,666
Farmland		977		—		—		—		977
		230,181		21,513		3,843		—		255,537
Consumer real estate
Home equity lines		17,054		623		300		—		17,977
Secured by 1-4 family residential
First deed of trust		57,932		3,605		740		—		62,277
Second deed of trust		11,492		429		197		—		12,118
		86,478		4,657		1,237		—		92,372
Commercial and industrial loans
(except those secured by real estate)		98,362		1,806		253		—		100,421
Guaranteed student loans		25,975		—		—		—		25,975
Consumer and other		2,972		31		—		—		3,003

Total loans	$	490,480	$	30,644	$	5,333	$	—	$	526,457

The following table presents the aging of the recorded investment in past due loans and leases as of the dates indicated (in thousands):


					Greater								Investment >
	30‑59 Days		60‑89 Days		Than		Total Past				Total		90 Days and
	Past Due		Past Due		90 Days		Due		Current		Loans		Accruing
September 30, 2022
Construction and land development
Residential	$	—	$	—	$	—	$	—	$	8,437	$	8,437	$	—
Commercial		—		—		—		—		32,109		32,109		—
		—		—		—		—		40,546		40,546		—
Commercial real estate
Owner occupied		—		—		—		—		122,067		122,067		—
Non-owner occupied		—		—		—		—		155,981		155,981		—
Multifamily		—		—		—		—		11,309		11,309		—
Farmland		—		—		—		—		564		564		—
		—		—		—		—		289,921		289,921		—
Consumer real estate
Home equity lines		—		—		—		—		19,891		19,891		—
Secured by 1‑4 family residential
First deed of trust		—		—		—		—		65,704		65,704		—
Second deed of trust		—		—		—		—		6,930		6,930		—
		—		—		—		—		92,525		92,525		—
Commercial and industrial loans
(except those secured by real estate)		377		—		—		377		91,226		91,603		—
Guaranteed student loans		783		396		1,714		2,893		19,117		22,010		1,714
Consumer and other		—		—		—		—		4,078		4,078		—

Total loans	$	1,160	$	396	$	1,714	$	3,270	$	537,413	$	540,683	$	1,714


													Recorded
					Greater								Investment >
	30-59 Days		60-89 Days		Than		Total Past				Total		90 Days and
	Past Due		Past Due		90 Days		Due		Current		Loans		Accruing
December 31, 2021
Construction and land development
Residential	$	—	$	—	$	—	$	—	$	6,805	$	6,805	$	—
Commercial		—		—		—		—		42,344		42,344		—
		—		—		—		—		49,149		49,149		—
Commercial real estate
Owner occupied		—		—		—		—		113,108		113,108		—
Non-owner occupied		—		—		—		—		129,786		129,786		—
Multifamily		—		—		—		—		11,666		11,666		—
Farmland		—		—		—		—		977		977		—
		—		—		—		—		255,537		255,537		—
Consumer real estate
Home equity lines		—		—		—		—		17,977		17,977		—
Secured by 1-4 family residential
First deed of trust		—		—		—		—		62,277		62,277		—
Second deed of trust		—		—		—		—		12,118		12,118		—
		—		—		—		—		92,372		92,372		—
Commercial and industrial loans
(except those secured by real estate)		1,031		—		—		1,031		99,390		100,421		—
Guaranteed student loans		956		791		1,961		3,708		22,267		25,975		1,961
Consumer and other		—		—		—		—		3,003		3,003		—

Total loans	$	1,987	$	791	$	1,961	$	4,739	$	521,718	$	526,457	$	1,961

Loans greater than 90 days past due are student loans that are guaranteed by the DOE which covers approximately 98% of the principal and interest. Accordingly, these loans will not be placed on nonaccrual status and are not considered to be impaired.

Loans are considered impaired when, based on current information and events it is probable the Company will be unable to collect all amounts when due in accordance with the original contractual terms of the loan agreement, including scheduled principal and interest payments. Loans evaluated individually for impairment include non-performing loans, such as loans on non-accrual, non-guaranteed loans past due by 90 days or more, restructured loans and other loans selected by management. The evaluations are based upon discounted expected cash flows or collateral valuations. If the evaluation shows that a loan is individually impaired, then a specific reserve is established for the amount of impairment. Impairment is evaluated in total for smaller-balance loans of a similar nature and on an individual loan basis for other loans. If a loan is impaired, a specific valuation allowance is allocated, if necessary, so that the loan is reported net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Interest payments on impaired loans are typically applied to principal unless collectability of the principal amount is reasonably assured, in which case interest is recognized on a cash basis. Impaired loans, or

portions thereof, are charged off when deemed uncollectible. Impaired loans are set forth in the following table as of the dates indicated (in thousands):


	September 30, 2022						December 31, 2021
			Unpaid						Unpaid
	Recorded		Principal		Related		Recorded		Principal		Related
	Investment		Balance		Allowance		Investment		Balance		Allowance
With no related allowance recorded
Commercial real estate
Owner occupied	$	4,134	$	4,149	$	—	$	4,776	$	4,791	$	—
Non-owner occupied		589		589		—		1,458		1,458		—
		4,723		4,738		—		6,234		6,249		—
Consumer real estate
Home equity lines		300		300		—		300		300		—
Secured by 1‑4 family residential
First deed of trust		1,847		1,847		—		1,873		1,873		—
Second deed of trust		264		348		—		238		406		—
		2,411		2,495		—		2,411		2,579		—
Commercial and industrial loans
(except those secured by real estate)		89		89		—		185		185		—
		7,223		7,322		—		8,830		9,013		—

With an allowance recorded
Commercial real estate
Owner occupied		255		255		3		267		267		4
		255		255		3		267		267		4
Consumer real estate
Secured by 1-4 family residential
First deed of trust		65		65		6		146		146		7
		65		65		6		146		146		7

Consumer and other		24		24		1		—		—		—
		344		344		10		413		413		11

Total
Owner occupied		4,389		4,404		3		5,043		5,058		4
Non-owner occupied		589		589		—		1,458		1,458		—
		4,978		4,993		3		6,501		6,516		4
Consumer real estate
Home equity lines		300		300		—		300		300		—
Secured by 1-4 family residential,
First deed of trust		1,912		1,912		6		2,019		2,019		7
Second deed of trust		264		348		—		238		406		—
		2,476		2,560		6		2,557		2,725		7
Commercial and industrial loans
(except those secured by real estate)		89		89		—		185		185		—
Consumer and other		24		24		1		—		—		—
	$	7,567	$	7,666	$	10	$	9,243	$	9,426	$	11

The following is a summary of average recorded investment in impaired loans with and without a valuation allowance and interest income recognized on those loans for the periods indicated (in thousands):


	For the Three Months Ended				For the Nine Months Ended
	September 30, 2022				September 30, 2022
	Average		Interest		Average		Interest
	Recorded		Income		Recorded		Income
	Investment		Recognized		Investment		Recognized
With no related allowance recorded
Commercial real estate
Owner occupied	$	4,352	$	34		4,450	$	100
Non-owner occupied		1,039		4		1,144		29
		5,391		38		5,594		129
Consumer real estate
Home equity lines		100		6		300		21
Secured by 1-4 family residential
First deed of trust		1,816		23		1,830		60
Second deed of trust		337		3		228		8
		2,253		32		2,358		89
Commercial and industrial loans
(except those secured by real estate)		119		2		136		3
		7,763		72		8,088		221

With an allowance recorded
Commercial real estate
Owner occupied		259		4		261		11
		259		4		261		11
Consumer real estate
Secured by 1-4 family residential
First deed of trust		116		—		124		4
Second deed of trust		65		3		49		3
		181		3		173		7

Consumer and other		12		—		6		—
		452		7		440		18

Total
Commercial real estate
Owner occupied		4,611		38		4,711		111
Non-owner occupied		1,039		4		1,144		29
		5,650		42		5,855		140
Consumer real estate
Home equity lines		100		6		300		21
Secured by 1-4 family residential,
First deed of trust		1,932		23		1,954		64
Second deed of trust		402		6		277		11
		2,434		35		2,531		96
Commercial and industrial loans
(except those secured by real estate)		119		2		136		3
Consumer and other		12		—		6		—
	$	8,215	$	79	$	8,528	$	239

Included in impaired loans are loans classified as troubled debt restructurings (“TDRs”). A modification of a loan’s terms constitutes a TDR if the creditor grants a concession to the borrower for economic or legal reasons related to the borrower’s financial difficulties that it would not otherwise consider. For loans classified as impaired TDRs, the Company further evaluates the loans as performing or nonaccrual. To restore a nonaccrual loan that has been formally restructured in a TDR to accrual status, we perform a current, well documented credit analysis supporting a return to accrual status based on the borrower’s financial condition and prospects for repayment under the revised terms. Otherwise, the TDR must remain in nonaccrual status. The analysis considers the borrower’s sustained historical repayment performance for a reasonable period to the return-to-accrual date, but may take into account payments made for a reasonable period prior to the restructuring if the payments are consistent with the modified terms. A sustained period of repayment performance generally would be a minimum of six months and would involve payments in the form of cash or cash equivalents.

An accruing loan that is modified in a TDR can remain in accrual status if, based on a current well-documented credit analysis, collection of principal and interest in accordance with the modified terms is reasonably assured, and the borrower has demonstrated sustained historical repayment performance for a reasonable period before modification. The following is a summary of performing and nonaccrual TDRs and the related specific valuation allowance by portfolio segment for the periods indicated (dollars in thousands).


							Specific
							Valuation
	Total		Performing		Nonaccrual		Allowance
September 30, 2022
Commercial real estate
Owner occupied	$	3,119	$	3,119	$	—	$	3
Non-owner occupied		589		314		275		—
		3,708		3,433		275		3
Consumer real estate
Secured by 1-4 family residential
First deeds of trust		1,422		1,422		—		6
Second deeds of trust		91		35		56		—
		1,513		1,457		56		6
Commercial and industrial loans
(except those secured by real estate)		19		—		19		—
	$	5,240	$	4,890	$	350	$	9

Number of loans		25		22		3		2


							Specific
							Valuation
	Total		Performing		Nonaccrual		Allowance
December 31, 2021

Commercial real estate
Owner occupied	$	3,243	$	3,243	$	—	$	4
Non-owner occupied		1,458		1,172		286		—
		4,701		4,415		286		4
Consumer real estate
Secured by 1-4 family residential
First deeds of trust		1,666		1,279		387		7
Second deeds of trust		99		40		59		—
		1,765		1,319		446		7
Commercial and industrial loans
(except those secured by real estate)		19		—		19		—
	$	6,485	$	5,734	$	751	$	11

Number of loans		28		23		5		3

There were no TDRs identified for the three month periods ended September 30, 2022 and 2021. The following table provides information about TDRs identified during the indicated periods (dollars in thousands).


	Nine Months Ended					Nine Months Ended
	September 30, 2022					September 30, 2021
		Pre-		Post-			Pre-		Post-
		Modification		Modification			Modification		Modification
	Number of	Recorded		Recorded		Number of	Recorded		Recorded
	Loans	Balance		Balance		Loans	Balance		Balance

Secured by 1-4 family residential
First deed of trust	—	$	—	$	—	1	$	267	$	267
	—	$	—	$	—	1	$	267	$	267

A TDR payment default occurs when, within 12 months of the original TDR modification, either a full or partial charge-off occurs or a TDR becomes 90 days or more past due. The specific reserve associated with a TDR is reevaluated when a TDR payment default occurs. There were no defaults on TDR’s that were modified as TDRs during the prior 12 month period ended September 30, 2022 and 2021.

The Coronavirus Aid, Relief, and Economic Security Act (“CARES Act”), as amended by the Consolidated Appropriations Act 2021 (“CAA”), permits financial institutions to suspend requirements under GAAP for loan modifications to borrowers affected by COVID-19 that would otherwise be characterized as TDRs and suspend any determination related thereto if (i) the loan modification is made between March 1, 2020 and the earlier of January 1, 2022 or 60 days after the end of the COVID-19 emergency declaration and (ii) the applicable loan was not more than 30 days past due as of December 31, 2019. In addition, federal bank regulatory authorities have issued guidance to encourage financial institutions to make prudent loan modifications for borrowers affected by COVID-19 and have assured financial institutions that they will neither receive supervisory criticism for such prudent loan modifications, nor be required by examiners to automatically categorize COVID-19-related loan modifications as TDRs. As of September 30, 2022 and December 31, 2021, all previously modified loans had returned to contractual payment terms. The Company’s modification program primarily included payment deferrals and interest only modifications.

Activity in the allowance for loan losses is as follows for the periods indicated (in thousands):


			Provision for
	Beginning		(Recovery of)						Ending
	Balance		Loan Losses		Charge-offs		Recoveries		Balance

Three Months Ended September 30, 2022
Construction and land development
Residential	$	57	$	12	$	—	$	—	$	69
Commercial		171		4		—		—		175
		228		16		—		—		244
Commercial real estate
Owner occupied		868		7		—		—		875
Non-owner occupied		1,267		40		—		—		1,307
Multifamily		50		(17)		—		—		33
Farmland		2		(1)		—		—		1
		2,187		29		—		—		2,216
Consumer real estate
Home equity lines		12		—		—		—		12
Secured by 1-4 family residential
First deed of trust		114		13		—		2		129
Second deed of trust		49		(11)		(27)		27		38
		175		2		(27)		29		179
Commercial and industrial loans
(except those secured by real estate)		533		201		(157)		5		582
Student loans		60		9		(2)		—		67
Consumer and other		45		(7)		(1)		—		37
Unallocated		195		(150)		—		—		45

	$	3,423	$	100	$	(187)	$	34	$	3,370


			Provision for
	Beginning		(Recovery of)						Ending
	Balance		Loan Losses		Charge-offs		Recoveries		Balance

Three Months Ended September 30, 2021
Construction and land development
Residential	$	66	$	10	$	—	$	—	$	76
Commercial		203		28		—		—		231
		269		38		—		—		307
Commercial real estate
Owner occupied		802		58		—		—		860
Non-owner occupied		1,059		30		—		—		1,089
Multifamily		35		1		—		—		36
Farmland		2		—		—		—		2
		1,898		89		—		—		1,987
Consumer real estate
Home equity lines		11		—		—		—		11
Secured by 1-4 family residential
First deed of trust		113		(3)		—		1		111
Second deed of trust		72		(3)		—		21		90
		196		(6)		—		22		212
Commercial and industrial loans
(except those secured by real estate)		422		55		—		3		480
Student loans		80		1		(11)		—		70
Consumer and other		36		(4)		—		—		32
Unallocated		528		(173)		—		—		355

	$	3,429	$	—	$	(11)	$	25	$	3,443


			Provision for
	Beginning		(Recovery of)						Ending
	Balance		Loan Losses		Charge-offs		Recoveries		Balance

Nine Months Ended September 30, 2022
Construction and land development
Residential	$	57	$	12	$	—	$	—	$	69
Commercial		229		(54)		—		—		175
		286		(42)		—		—		244
Commercial real estate
Owner occupied		833		42		—		—		875
Non-owner occupied		1,083		224		—		—		1,307
Multifamily		35		(2)		—		—		33
Farmland		2		(1)		—		—		1
		1,953		263		—		—		2,216
Consumer real estate
Home equity lines		12		(58)		—		58		12
Secured by 1-4 family residential
First deed of trust		123		2		—		4		129
Second deed of trust		47		(312)		(27)		330		38
		182		(368)		(27)		392		179
Commercial and industrial loans
(except those secured by real estate)		486		189		(157)		64		582
Student loans		65		26		(24)		—		67
Consumer and other		29		9		(1)		—		37
Unallocated		422		(377)		—		—		45

	$	3,423	$	(300)	$	(209)	$	456	$	3,370


			Provision for
	Beginning		(Recovery of)						Ending
	Balance		Loan Losses		Charge-offs		Recoveries		Balance

Nine Months Ended September 30, 2021
Construction and land development
Residential	$	214	$	(138)	$	—	$	—	$	76
Commercial		285		(54)		—		—		231
		499		(192)		—		—		307
Commercial real estate
Owner occupied		1,047		(187)		—		—		860
Non-owner occupied		1,421		(346)		—		14		1,089
Multifamily		47		(11)		—		—		36
Farmland		2		—		—		—		2
		2,517		(544)		—		14		1,987
Consumer real estate
Home equity lines		24		(23)		—		10		11
Secured by 1-4 family residential
First deed of trust		166		(65)		—		10		111
Second deed of trust		79		57		(84)		38		90
		269		(31)		(84)		58		212
Commercial and industrial loans
(except those secured by real estate)		408		45		—		27		480
Student loans		87		7		(24)		—		70
Consumer and other		36		14		(18)		—		32
Unallocated		154		201		—		—		355

	$	3,970	$	(500)	$	(126)	$	99	$	3,443


			Provision for
	Beginning		(Recovery of)						Ending
	Balance		Loan Losses		Charge-offs		Recoveries		Balance

Year Ended December 31, 2021
Construction and land development
Residential	$	214	$	(157)	$	—	$	—	$	57
Commercial		285		(56)		—		—		229
		499		(213)		—		—		286
Commercial real estate
Owner occupied		1,047		(214)		—		—		833
Non-owner occupied		1,421		(352)		—		14		1,083
Multifamily		47		(12)		—		—		35
Farmland		2		—		—		—		2
		2,517		(578)		—		14		1,953
Consumer real estate
Home equity lines		24		(23)		—		11		12
Secured by 1-4 family residential
First deed of trust		166		(54)		—		11		123
Second deed of trust		79		1		(84)		51		47
		269		(76)		(84)		73		182
Commercial and industrial loans
(except those secured by real estate)		408		47		—		31		486
Student loans		87		13		(35)		—		65
Consumer and other		36		39		(46)		—		29
Unallocated		154		268		—		—		422

	$	3,970	$	(500)	$	(165)	$	118	$	3,423

The amount of the loan loss provision (recovery) is determined by an evaluation of the level of loans outstanding, the level of nonperforming loans, historical loan loss experience, delinquency trends, underlying collateral values, the amount of actual losses charged to the reserve in a given period and assessment of present and anticipated economic conditions. Loans originated under PPP are not considered in the evaluation of the allowance for loan losses because these loans carry a 100% guarantee from the SBA; however, if the collectability on the guarantee on a loan is at risk that loan will be included in the evaluation of the allowance for loan losses.

The level of the allowance reflects changes in the size of the portfolio or in any of its components as well as management’s continuing evaluation of industry concentrations, specific credit risk, loan loss experience, current loan portfolio quality, and present economic, political and regulatory conditions. Portions of the allowance may be allocated for specific credits; however, the entire allowance is available for any credit that, in management’s judgement, should be charged off. While management utilizes its best judgement and information available, the ultimate adequacy of the allowance is dependent upon a variety of factors beyond the Company’s control, including the performance of the Company’s loan portfolio, the economy, changes in interest rates and the view of the regulatory authorities toward loan classifications.

The Company recorded a recovery of provision for loan loss expense of $300,000 and $500,000 for the nine month period ended September 30, 2022 and September 30, 2021, respectively. The recovery of provision for loan loss expense, during the nine months ended September 30, 2022 and September 30, 2021, resulted from reductions in the qualitative factors driven by improving economic factors, improved credit metrics, and reductions in loan deferrals. While current economic challenges due to higher inflation and the speed at which interest rates are rising remain risks to credit quality, we believe our current level of allowance for loan losses is sufficient.

The allowance for loan losses at each of the periods presented includes an amount that could not be identified to individual types of loans referred to as the unallocated portion of the allowance. We recognize the inherent imprecision in estimates of losses due to various uncertainties and the variability related to the factors used in calculation of the allowance. The allowance for loan losses included an unallocated portion of approximately $45,000, $422,000, and $355,000 at September 30, 2022, December 31, 2021, and September 30, 2021, respectively.

Loans were evaluated for impairment as follows for the periods indicated (in thousands):


	Recorded Investment in Loans
	Allowance						Loans
	Ending						Ending
	Balance		Individually		Collectively		Balance		Individually		Collectively

Nine Months Ended September 30, 2022
Construction and land development
Residential	$	69	$	—	$	69	$	8,437	$	—	$	8,437
Commercial		175		—		175		32,109		—		32,109
		244		—		244		40,546		—		40,546
Commercial real estate
Owner occupied		875		3		872		122,067		4,389		117,678
Non-owner occupied		1,307		—		1,307		155,981		589		155,392
Multifamily		33		—		33		11,309		—		11,309
Farmland		1		—		1		564		—		564
		2,216		3		2,213		289,921		4,978		284,943
Consumer real estate
Home equity lines		12		—		12		19,891		300		19,591
Secured by 1-4 family residential
First deed of trust		129		6		123		65,704		1,912		63,792
Second deed of trust		38		—		38		6,930		264		6,666
		179		6		173		92,525		2,476		90,049
Commercial and industrial loans
(except those secured by real estate)		582		—		582		91,603		89		91,514
Student loans		67		—		67		22,010		—		22,010
Consumer and other		82		1		81		4,078		24		4,054

	$	3,370	$	10	$	3,360	$	540,683	$	7,567	$	533,116

Year Ended December 31, 2021
Construction and land development
Residential	$	57	$	—	$	57	$	6,805	$	—	$	6,805
Commercial		229		—		229		42,344		—		42,344
		286		—		286		49,149		—		49,149
Commercial real estate
Owner occupied		833		4		829		113,108		5,043		108,065
Non-owner occupied		1,083		—		1,083		129,786		1,458		128,328
Multifamily		35		—		35		11,666		—		11,666
Farmland		2		—		2		977		—		977
		1,953		4		1,949		255,537		6,501		249,036
Consumer real estate
Home equity lines		12		—		12		17,977		300		17,677
Secured by 1-4 family residential
First deed of trust		123		7		116		62,277		2,019		60,258
Second deed of trust		47		—		47		12,118		238		11,880
		182		7		175		92,372		2,557		89,815
Commercial and industrial loans
(except those secured by real estate)		486		—		486		100,421		185		100,236
Student loans		65		—		65		25,975		—		25,975
Consumer and other		451		—		451		3,003		—		3,003

	$	3,423	$	11	$	3,412	$	526,457	$	9,243	$	517,214