Loans (Tables)

6 Months Ended

Jun. 30, 2017

Schedule of major classifications of loans


	June 30, 2017		December 31, 2016
Commercial	$	256,760	$	228,113
Real estate - commercial		706,103		736,247
Real estate - construction		93,661		64,720
Real estate - residential		398,170		377,851
Consumer		2,878		3,237
Overdraft		316		436
Lease financing receivables		70,138		55,451
Other		10,943		11,537
		1,538,969		1,477,592
Net deferred loan costs		678		1,217
Total loans	$	1,539,647	$	1,478,809

Schedule of aged analysis of past due loans by class of loans


															Recorded
															Investment
															90 days or
					90 Days or										Greater Past
	30-59 Days		60-89 Days		Greater Past		Total Past								Due and
June 30, 2017	Past Due		Past Due		Due		Due		Current		Nonaccrual		Total Loans		Accruing
Commercial	$	21	$	-	$	-	$	21	$	256,523	$	216	$	256,760	$	-
Leases		898		-		-		898		68,780		460		70,138
Real estate - commercial
Owner occupied general purpose		629		-		-		629		139,964		460		141,053		-
Owner occupied special purpose		-		-		-		-		170,186		366		170,552		-
Non-owner occupied general purpose		835		-		-		835		215,423		1,085		217,343		-
Non-owner occupied special purpose		-		-		-		-		116,218		-		116,218		-
Retail properties		-		-		-		-		44,781		1,144		45,925		-
Farm		1,305		-		-		1,305		13,707		-		15,012		-
Real estate - construction
Homebuilder		-		-		-		-		1,947		-		1,947		-
Land		-		-		-		-		2,870		-		2,870		-
Commercial speculative		-		-		-		-		31,268		68		31,336		-
All other		-		-		-		-		57,356		152		57,508		-
Real estate - residential
Investor		3		95		-		98		59,113		686		59,897		-
Multifamily		1,390		-		-		1,390		92,896		4,824		99,110		-
Owner occupied		-		279		-		279		119,355		4,187		123,821		-
Revolving and junior liens		557		74		-		631		113,685		1,026		115,342		-
Consumer		2		-		-		2		2,867		9		2,878		-
Other1		-		-		-		-		11,937		-		11,937		-
Total	$	5,640	$	448	$	-	$	6,088	$	1,518,876	$	14,683	$	1,539,647	$	-


															Recorded
															Investment
															90 days or
					90 Days or										Greater Past
	30-59 Days		60-89 Days		Greater Past		Total Past								Due and
December 31, 2016	Past Due		Past Due		Due		Due		Current		Nonaccrual		Total Loans		Accruing
Commercial	$	57	$	74	$	-	$	131	$	227,742	$	240	$	228,113	$	-
Leases		-		286				286		54,799		366		55,451
Real estate - commercial
Owner occupied general purpose		758		-		-		758		135,599		879		137,236		-
Owner occupied special purpose		-		-		-		-		177,755		385		178,140		-
Non-owner occupied general purpose		667		379		-		1,046		229,315		1,930		232,291		-
Non-owner occupied special purpose		-		-		-		-		118,052		1,013		119,065		-
Retail properties		-		-		-		-		53,474		1,179		54,653		-
Farm		1,353		-		-		1,353		13,509		-		14,862		-
Real estate - construction
Homebuilder		-		-		-		-		3,883		-		3,883		-
Land		-		-		-		-		3,029		-		3,029		-
Commercial speculative		-		-		-		-		22,654		74		22,728		-
All other		364		-		-		364		34,509		207		35,080		-
Real estate - residential
Investor		237		-		-		237		54,924		936		56,097		-
Multifamily		-		-				-		96,502		-		96,502
Owner occupied		274		-		-		274		116,900		6,452		123,626		-
Revolving and junior liens		225		405		-		630		99,374		1,622		101,626		-
Consumer		10		36		-		46		3,191		-		3,237		-
Other1		14		-		-		14		13,176		-		13,190		-
Total	$	3,959	$	1,180	$	-	$	5,139	$	1,458,387	$	15,283	$	1,478,809	$	-

1 The “Other” class includes overdrafts and net deferred costs.

Schedule of credit quality indicators by class of loans


June 30, 2017			Special
	Pass		Mention		Substandard 1		Doubtful		Total
Commercial	$	238,814	$	17,691	$	255	$	-	$	256,760
Leases		68,780		898		460		-		70,138
Real estate - commercial
Owner occupied general purpose		136,655		3,174		1,224		-		141,053
Owner occupied special purpose		165,945		4,241		366		-		170,552
Non-owner occupied general purpose		215,604		654		1,085		-		217,343
Non-owner occupied special purpose		112,543		-		3,675		-		116,218
Retail Properties		43,535		1,246		1,144		-		45,925
Farm		12,494		1,213		1,305		-		15,012
Real estate - construction
Homebuilder		1,947		-		-		-		1,947
Land		2,870		-		-		-		2,870
Commercial speculative		31,267		-		69		-		31,336
All other		56,286		894		328		-		57,508
Real estate - residential
Investor		59,054		-		843		-		59,897
Multifamily		94,286		-		4,824		-		99,110
Owner occupied		118,320		566		4,935		-		123,821
Revolving and junior liens		113,379		-		1,963		-		115,342
Consumer		2,869		-		9		-		2,878
Other		11,937		-		-		-		11,937
Total	$	1,486,585	$	30,577	$	22,485	$	-	$	1,539,647


December 31, 2016			Special
	Pass		Mention		Substandard 1		Doubtful		Total
Commercial	$	214,028	$	11,558	$	2,527	$	-	$	228,113
Leases		53,366		976		1,109				55,451
Real estate - commercial
Owner occupied general purpose		135,503		53		1,680		-		137,236
Owner occupied special purpose		172,353		5,402		385		-		178,140
Non-owner occupied general purpose		229,448		913		1,930		-		232,291
Non-owner occupied special purpose		114,293		-		4,772		-		119,065
Retail Properties		52,207		1,267		1,179		-		54,653
Farm		11,840		1,240		1,782		-		14,862
Real estate - construction
Homebuilder		3,883		-		-		-		3,883
Land		3,029		-		-		-		3,029
Commercial speculative		22,654		-		74		-		22,728
All other		34,696		-		384		-		35,080
Real estate - residential
Investor		55,001		-		1,096		-		56,097
Multifamily		96,502		-		-		-		96,502
Owner occupied		115,831		570		7,225		-		123,626
Revolving and junior liens		99,286		-		2,340		-		101,626
Consumer		3,236		-		1		-		3,237
Other		13,165		25		-		-		13,190
Total	$	1,430,321	$	22,004	$	26,484	$	-	$	1,478,809

1 The substandard credit quality indicator includes both potential problem loans that are currently performing and nonperforming loans.

Schedule of impaired loans by class of loan


							Six Months Ended
	As of June 30, 2017						June 30, 2017
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded
Commercial	$	216	$	368	$	-	$	128	$	-
Leases		220		245		-		293		-
Commercial real estate
Owner occupied general purpose		460		495		-		1,170		-
Owner occupied special purpose		366		510		-		376		-
Non-owner occupied general purpose		1,143		1,425		-		1,443		1
Non-owner occupied special purpose		-		-		-		507		-
Retail properties		1,144		1,209		-		1,161		-
Farm		-		-		-		-		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		68		79		-		72		-
All other		152		156		-		180		-
Residential
Investor		1,576		2,065		-		1,708		20
Multifamily		4,824		4,965		-		2,412		-
Owner occupied		8,209		9,543		-		9,016		65
Revolving and junior liens		1,971		2,211		-		2,227		15
Consumer		9		9		-		105		-
Total impaired loans with no recorded allowance		20,358		23,280		-		20,798		101

With an allowance recorded
Commercial		-		-		-		-		-
Leases		240		240		98		120		-
Commercial real estate
Owner occupied general purpose		-		-		-		-		-
Owner occupied special purpose		-		-		-		-		-
Non-owner occupied general purpose		-		-		-		123		-
Non-owner occupied special purpose		-		-		-		-		-
Retail properties		-		-		-		-		-
Farm		-		-		-		-		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		-		-		-		-		-
All other		-		-		-		-		-
Residential
Investor		-		-		-		-		-
Multifamily		-		-		-		-		-
Owner occupied		-		-		-		402		-
Revolving and junior liens		-		-		-		-		-
Consumer		-		-		-		-		-
Total impaired loans with a recorded allowance		240		240		98		645		-
Total impaired loans	$	20,598	$	23,520	$	98	$	21,443	$	101

Impaired loans by class of loans as of December 31, 2016, and for the six months ended June 30, 2016, were as follows:


							Six Months Ended
	As of December 31, 2016						June 30, 2016
			Unpaid				Average		Interest
	Recorded		Principal		Related		Recorded		Income
	Investment		Balance		Allowance		Investment		Recognized
With no related allowance recorded
Commercial	$	240	$	388	$	-	$	299	$	-
Leases		366		371		-		-		-
Commercial real estate
Owner occupied general purpose		1,881		2,131		-		2,494		44
Owner occupied special purpose		385		518		-		650		-
Non-owner occupied general purpose		1,744		2,010		-		1,573		1
Non-owner occupied special purpose		1,013		1,649		-		-		-
Retail properties		1,179		1,235		-		1,017		-
Farm		-		-		-		636		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		74		81		-		80		-
All other		207		221		-		-		-
Residential
Investor		1,841		2,308		-		1,879		23
Multifamily		-		-		-		-		-
Owner occupied		9,824		11,391		-		10,124		79
Revolving and junior liens		2,484		3,018		-		2,673		6
Consumer		-		-		-		-		-
Total impaired loans with no recorded allowance		21,238		25,321		-		21,425		153

With an allowance recorded
Commercial		-		-		-		1		-
Leases		-		-		-		-		-
Commercial real estate
Owner occupied general purpose		-		-		-		-		-
Owner occupied special purpose		-		-		-		-		-
Non-owner occupied general purpose		246		595		246		306		-
Non-owner occupied special purpose		-		-		-		825		-
Retail properties		-		-		-		-		-
Farm		-		-		-		-		-
Construction
Homebuilder		-		-		-		-		-
Land		-		-		-		-		-
Commercial speculative		-		-		-		-		-
All other		-		-		-		-		-
Residential
Investor		-		-		-		-		-
Multifamily		-		-		-		-		-
Owner occupied		803		853		803		222		-
Revolving and junior liens		-		-		-		23		-
Consumer		-		-		-		-		-
Total impaired loans with a recorded allowance		1,049		1,448		1,049		1,377		-
Total impaired loans	$	22,287	$	26,769	$	1,049	$	22,802	$	153

Schedule of TDRs modified during the period by type of modification

TDRs that were modified during the period are as follows:


	TDR Modifications					TDR Modifications
	Quarter Ended June 30, 2017					Six Months Ended June 30, 2017
	# of	Pre-modification		Post-modification		# of	Pre-modification		Post-modification
	contracts	recorded investment		recorded investment		contracts	recorded investment		recorded investment
Troubled debt restructurings
Real estate - residential
Revolving and junior liens
Other1	2	$	155	$	147	6	$	399	$	388
Total	2	$	155	$	147	6	$	399	$	388


	TDR Modifications					TDR Modifications
	Quarter Ended June 30, 2016					Six Months Ended June 30, 2016
	# of	Pre-modification		Post-modification		# of	Pre-modification		Post-modification
	contracts	recorded investment		recorded investment		contracts	recorded investment		recorded investment
Troubled debt restructurings
Real estate - commercial
Other1	-	$	-	$	-	2	$	312	$	220
Real estate - residential
Owner occupied
HAMP2	-		-		-	1		239		237
Revolving and junior liens
HAMP2	1		39		39	4		469		438
Total	1	$	39	$	39	7	$	1,020	$	895

1 Other: Change of terms from bankruptcy court

2 HAMP: Home Affordable Modification Program