Significant Estimates and Concentrations

3 Months Ended

Mar. 31, 2019

Significant Estimates and Concentrations [Abstract]

Significant Estimates and Concentrations

Note 16: Significant Estimates and Concentrations

GAAP requires disclosure of certain significant estimates and current vulnerabilities due to certain concentrations.  Estimates related to the allowance for loan losses are reflected in Note 5 regarding loans.  Current vulnerabilities due to off-balance sheet credit risk are discussed in Note 16.

As of March 31, 2019, hospitality loans were 23% of gross total loans with outstanding balances of $137.4 million and unfunded commitments of $23.8 million; energy loans were 18% of gross total loans with outstanding balances of $105.6 million and unfunded commitments of $28.6 million.