XML 65 R26.htm IDEA: XBRL DOCUMENT v2.4.0.6
Loan Quality (Tables)
 3 Months Ended
Mar. 31, 2013
Loan Quality [Abstract]  
Allowance for Loan Losses, by Loan Segment [Table Text Block]

The following table presents, by loan segment, the Allowance for Loan Losses (ALL) for the periods ended:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

 

 

 

 

 

 

 

 

 

 

Residential Real Estate 1-4 Family

 

Industrial &

 

Commercial

 

 

 

 

 

 

 

 

 

 

 

Junior Liens &

 

 

 

 

Agricultural

 

Industrial &

 

 

 

 

 

 

(Dollars in thousands)

 

First Liens

 

Lines of Credit

 

Construction

 

Real Estate

 

Agricultural

 

Consumer

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance at December 31, 2012

 

$
913 

 

$
306 

 

$
899 

 

$
6,450 

 

$
1,620 

 

$
191 

 

$
10,379 

Charge-offs

 

 

 -

 

 
(45)

 

 

 -

 

 
(171)

 

 
(7)

 

 
(44)

 

 
(267)

Recoveries

 

 
8 

 

 

 -

 

 

 -

 

 

 -

 

 
7 

 

 
13 

 

 
28 

Provision

 

 
52 

 

 
35 

 

 
(62)

 

 
403 

 

 
352 

 

 
23 

 

 
803 

Allowance at March 31, 2013

 

$
973 

 

$
296 

 

$
837 

 

$
6,682 

 

$
1,972 

 

$
183 

 

$
10,943 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance at December 31, 2011

 

$
1,049 

 

$
308 

 

$
1,222 

 

$
5,257 

 

$
1,651 

 

$
236 

 

$
9,723 

Charge-offs

 

 
(36)

 

 
(65)

 

 

 -

 

 
(1,992)

 

 
(33)

 

 
(86)

 

 
(2,212)

Recoveries

 

 

 -

 

 

 -

 

 

 -

 

 
8 

 

 
2 

 

 
36 

 

 
46 

Provision

 

 
(81)

 

 
68 

 

 
(344)

 

 
2,519 

 

 
(232)

 

 
20 

 

 
1,950 

Allowance at March 31, 2012

 

$
932 

 

$
311 

 

$
878 

 

$
5,792 

 

$
1,388 

 

$
206 

 

$
9,507 

 

 

The following table presents, by loan segment, loans that were evaluated for the ALL under the specific reserve (individually) and those that were evaluated under the general reserve (collectively) as of March 31, 2013 and December 31, 2012:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

 

 

 

 

 

 

 

 

 

 

Residential Real Estate 1-4 Family

 

Industrial &

 

Commercial

 

 

 

 

 

 

 

 

 

 

 

Junior Liens &

 

 

 

 

Agricultural

 

Industrial &

 

 

 

 

 

 

(Dollars in thousands)

 

First Liens

 

Lines of Credit

 

Construction

 

Real Estate

 

Agricultural

 

Consumer

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

March 31, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans evaluated for allowance:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually

 

$
3,227 

 

$
429 

 

$
554 

 

$
31,481 

 

$
2,799 

 

$

 -

 

$
38,490 

Collectively

 

 
150,673 

 

 
40,229 

 

 
13,778 

 

 
332,958 

 

 
160,009 

 

 
10,027 

 

 
707,674 

Total

 

$
153,900 

 

$
40,658 

 

$
14,332 

 

$
364,439 

 

$
162,808 

 

$
10,027 

 

$
746,164 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance established for loans evaluated:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually

 

$
59 

 

$

 -

 

$

 -

 

$
354 

 

$
735 

 

$

 -

 

$
1,148 

Collectively

 

 
914 

 

 
296 

 

 
837 

 

 
6,328 

 

 
1,237 

 

 
183 

 

 
9,795 

Allowance at March 31, 2013

 

$
973 

 

$
296 

 

$
837 

 

$
6,682 

 

$
1,972 

 

$
183 

 

$
10,943 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans evaluated for allowance:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually

 

$
3,583 

 

$
692 

 

$
557 

 

$
30,949 

 

$
3,583 

 

$

 -

 

$
39,364 

Collectively

 

 
151,016 

 

 
41,596 

 

 
14,875 

 

 
332,925 

 

 
163,151 

 

 
10,652 

 

 
714,215 

Total

 

$
154,599 

 

$
42,288 

 

$
15,432 

 

$
363,874 

 

$
166,734 

 

$
10,652 

 

$
753,579 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance established for loans evaluated:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually

 

$
20 

 

$
3 

 

$

 -

 

$
357 

 

$
467 

 

$

 -

 

$
847 

Collectively

 

 
893 

 

 
303 

 

 
899 

 

 
6,093 

 

 
1,153 

 

 
191 

 

 
9,532 

Allowance at December 31, 2012

 

$
913 

 

$
306 

 

$
899 

 

$
6,450 

 

$
1,620 

 

$
191 

 

$
10,379 

 

Impaired Financing Receivables [Table Text Block]

The following table shows additional information about those loans considered to be impaired at March 31, 2013 and December 31, 2012:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Impaired Loans

 

 

With No Allowance

 

With Allowance

(Dollars in thousands)

 

 

 

 

Unpaid

 

 

 

 

 

Unpaid

 

 

 

 

 

Recorded

 

Principal

 

Recorded

 

Principal

 

Related

March 31, 2013

 

Investment

 

Balance

 

Investment

 

Balance

 

Allowance

 Residential Real Estate 1-4 Family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

First liens

 

$
3,163 

 

$
3,216 

 

$
444 

 

$
607 

 

$
59 

Junior liens and lines of credit

 

 
737 

 

 
756 

 

 

 -

 

 

 -

 

 

 -

Total

 

 
3,900 

 

 
3,972 

 

 
444 

 

 
607 

 

 
59 

 Residential real estate - construction

 

 
554 

 

 
566 

 

 

 -

 

 

 -

 

 

 -

 Commercial, industrial and agricultural real estate

 

 
28,719 

 

 
32,474 

 

 
2,762 

 

 
3,367 

 

 
354 

 Commercial, industrial and agricultural

 

 
405 

 

 
405 

 

 
2,394 

 

 
2,451 

 

 
735 

 Consumer

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

Total

 

$
33,578 

 

$
37,417 

 

$
5,600 

 

$
6,425 

 

$
1,148 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Residential Real Estate 1-4 Family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

First liens

 

$
3,504 

 

$
3,715 

 

$
80 

 

$
80 

 

$
20 

Junior liens and lines of credit

 

 
691 

 

 
707 

 

 

 -

 

 

 -

 

 

 -

Total

 

 
4,195 

 

 
4,422 

 

 
80 

 

 
80 

 

 
20 

 Residential real estate - construction

 

 
557 

 

 
567 

 

 

 -

 

 

 -

 

 

 -

 Commercial, industrial and agricultural real estate

 

 
28,346 

 

 
31,937 

 

 
2,603 

 

 
3,194 

 

 
357 

 Commercial, industrial and agricultural

 

 
2,495 

 

 
2,584 

 

 
1,088 

 

 
1,145 

 

 
470 

 Consumer

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

Total

 

$
35,593 

 

$
39,510 

 

$
3,771 

 

$
4,419 

 

$
847 

 

 

The following table shows the average of impaired loans and related interest income for the three months ended March 31, 2013 and 2012:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three Months Ended

 

Three Months Ended

 

March 31, 2013

 

March 31, 2012

 

Average

 

Interest

 

Average

 

Interest

(Dollars in thousands)

Recorded

 

Income

 

Recorded

 

Income

 

Investment

 

Recognized

 

Investment

 

Recognized

 Residential Real Estate 1-4 Family

 

 

 

 

 

 

 

 

 

 

 

First liens

$
3,626 

 

$
4 

 

$
4,600 

 

$
43 

Junior liens and lines of credit

 
742 

 

 
1 

 

 
817 

 

 
1 

Total

 
4,368 

 

 
5 

 

 
5,417 

 

 
44 

 Residential real estate - construction

 
556 

 

 

 -

 

 
9 

 

 

 -

 Commercial, industrial and agricultural real estate

 
30,087 

 

 

 3

 

 

++

 

 
24,376 

 

 
57 

 Commercial, industrial and agricultural

 
4,480 

 

 

 -

 

 
4,315 

 

 
36 

 Consumer

 

 -

 

 

 -

 

 

 -

 

 

 -

Total

$
39,491 

 

$
43 

 

$
34,117 

 

$
137 

 

Schedule of Financing Receivables, Non Accrual Status [Table Text Block]

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

March 31, 2013

 

December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

% of Loan

 

 

 

 

% of Loan

 

(Dollars in thousands)

Balance

 

Segment

 

Balance

 

Segment

 

 

 

 

 

 

 

 

 

 

 

 

Nonaccrual loans

 

 

 

 

 

 

 

 

 

 

Residential Real Estate 1-4 Family

 

 

 

 

 

 

 

 

 

 

First liens

$
3,501 

 
2.3 

 

$
3,584 

 
2.3 

 

Junior liens and lines of credit

 
705 

 
1.7 

 

 
758 

 
1.8 

 

Total

 
4,206 

 
2.2 

 

 
4,342 

 
2.2 

 

Residential real estate - construction

 
554 

 
3.9 

 

 
557 

 
3.6 

 

Commercial, industrial and agricultural real estate

 
26,760 

 
7.3 

 

 
28,659 

 
7.9 

 

Commercial, industrial and agricultural

 
2,800 

 
1.7 

 

 
2,836 

 
1.7 

 

Total nonaccrual loans

 
34,320 

 

 

 

 
36,394 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans past due 90 days or more and not included above

 

 

 

 

 

 

 

 

 

 

Residential Real Estate 1-4 Family

 

 

 

 

 

 

 

 

 

 

First liens

 
51 

 

 

 

 
120 

 

 

 

Junior liens and lines of credit

 
211 

 

 

 

 
112 

 

 

 

Total

 
262 

 

 

 

 
232 

 

 

 

Commercial, industrial and agricultural

 
62 

 

 

 

 
315 

 

 

 

Consumer

 
14 

 

 

 

 
16 

 

 

 

Total loans past due 90 days or more and still accruing

 
338 

 

 

 

 
563 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total nonaccrual and loans past due 90 days or more

 
34,658 

 

 

 

 
36,957 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other real estate owned

 
5,420 

 

 

 

 
5,127 

 

 

 

Total nonperforming assets

$
40,078 

 

 

 

$
42,084 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Aging of Payments of the Loan Portfolio [Table Text Block]

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(Dollars in thousands)

 

 

 

 

Loans Past Due and Still Accruing

 

 

 

 

Total

 

 

Current

 

30-59 Days

 

60-89 Days

 

90 Days+

 

Total

 

Non-Accrual

 

Loans

March 31, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential Real Estate 1-4 Family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

First liens

 

$
148,584 

 

$
1,716 

 

$
48 

 

$
51 

 

$
1,815 

 

$
3,501 

 

$
153,900 

Junior liens and lines of credit

 

 
39,404 

 

 
325 

 

 
13 

 

 
211 

 

 
549 

 

 
705 

 

 
40,658 

Total

 

 
187,988 

 

 
2,041 

 

 
61 

 

 
262 

 

 
2,364 

 

 
4,206 

 

 
194,558 

Residential real estate - construction

 

 
13,183 

 

 
595 

 

 

 -

 

 

 -

 

 
595 

 

 
554 

 

 
14,332 

Commercial, industrial and agricultural real estate

 

 
335,820 

 

 
1,580 

 

 
279 

 

 

 -

 

 
1,859 

 

 
26,760 

 

 
364,439 

Commercial, industrial and agricultural

 

 
159,456 

 

 
391 

 

 
99 

 

 
62 

 

 
552 

 

 
2,800 

 

 
162,808 

Consumer

 

 
9,874 

 

 
125 

 

 
14 

 

 
14 

 

 
153 

 

 

 -

 

 
10,027 

Total

 

$
706,321 

 

$
4,732 

 

$
453 

 

$
338 

 

$
5,523 

 

$
34,320 

 

$
746,164 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential Real Estate 1-4 Family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

First liens

 

$
147,236 

 

$
2,862 

 

$
797 

 

$
120 

 

$
3,779 

 

$
3,584 

 

$
154,599 

Junior liens and lines of credit

 

 
40,741 

 

 
449 

 

 
228 

 

 
112 

 

 
789 

 

 
758 

 

 
42,288 

Total

 

 
187,977 

 

 
3,311 

 

 
1,025 

 

 
232 

 

 
4,568 

 

 
4,342 

 

 
196,887 

Residential real estate - construction

 

 
14,875 

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 
557 

 

 
15,432 

Commercial, industrial and agricultural real estate

 

 
334,822 

 

 
64 

 

 
329 

 

 

 -

 

 
393 

 

 
28,659 

 

 
363,874 

Commercial, industrial and agricultural

 

 
163,387 

 

 
161 

 

 
35 

 

 
315 

 

 
511 

 

 
2,836 

 

 
166,734 

Consumer

 

 
10,339 

 

 
258 

 

 
39 

 

 
16 

 

 
313 

 

 

 -

 

 
10,652 

Total

 

$
711,400 

 

$
3,794 

 

$
1,428 

 

$
563 

 

$
5,785 

 

$
36,394 

 

$
753,579 

 

Internal Credit Rating For The Loan Portfolio [Table Text Block]

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(Dollars in thousands)

 

Pass

 

OAEM

 

Substandard

 

Doubtful

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

March 31, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential Real Estate 1-4 Family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

First liens

 

$
141,548 

 

$
3,680 

 

$
8,672 

 

$

 -

 

$
153,900 

Junior liens and lines of credit

 

 
38,530 

 

 
270 

 

 
1,858 

 

 

 -

 

 
40,658 

Total

 

 
180,078 

 

 
3,950 

 

 
10,530 

 

 

 -

 

 
194,558 

Residential real estate - construction

 

 
13,199 

 

 
74 

 

 
1,059 

 

 

 -

 

 
14,332 

Commercial, industrial and agricultural real estate

 

 
306,442 

 

 
16,991 

 

 
38,256 

 

 
2,750 

 

 
364,439 

Commercial, industrial and agricultural

 

 
147,556 

 

 
2,240 

 

 
13,012 

 

 

 -

 

 
162,808 

Consumer

 

 
10,013 

 

 

 -

 

 
14 

 

 

 -

 

 
10,027 

Total

 

$
657,288 

 

$
23,255 

 

$
62,871 

 

$
2,750 

 

$
746,164 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential Real Estate 1-4 Family

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

First liens

 

$
139,549 

 

$
6,277 

 

$
8,773 

 

$

 -

 

$
154,599 

Junior liens and lines of credit

 

 
40,584 

 

 
175 

 

 
1,529 

 

 

 -

 

 
42,288 

Total

 

 
180,133 

 

 
6,452 

 

 
10,302 

 

 

 -

 

 
196,887 

Residential real estate - construction

 

 
11,284 

 

 
2,922 

 

 
1,226 

 

 

 -

 

 
15,432 

Commercial, industrial and agricultural real estate

 

 
299,075 

 

 
20,221 

 

 
41,828 

 

 
2,750 

 

 
363,874 

Commercial, industrial and agricultural

 

 
148,195 

 

 
3,120 

 

 
15,419 

 

 

 -

 

 
166,734 

Consumer

 

 
10,636 

 

 

 -

 

 
16 

 

 

 -

 

 
10,652 

Total

 

$
649,323 

 

$
32,715 

 

$
68,791 

 

$
2,750 

 

$
753,579 

 

Troubled Debt Restructing Loans [Table Text Block]

The following table presents information on the Bank’s Troubled Debt Restructuring (TDR) loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Troubled Debt Restructings

 

 

 

 

 

 

 

 

 

That Have Defaulted on

(Dollars in thousands)

 

 

Troubled Debt Restructings

 

 

Modified Terms YTD

 

 

 

Number of

 

Recorded

 

 

Number of

 

Recorded

 

 

 

Contracts

 

Investment

 

 

Contracts

 

Investment

March 31, 2013

 

 

 

 

 

 

 

 

 

 

 

 

Real estate construction

 

 
2 

 

$
1,476 

 

 

 -

 

$

 -

Residential real estate

 

 
4 

 

 
464 

 

 

 -

 

 

 -

Commercial, industrial and agricultural real estate

 

 
12 

 

 
10,227 

 

 

 -

 

 

 -

Total

 

 
18 

 

$
12,167 

 

 

 -

 

$

 -

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2012

 

 

 

 

 

 

 

 

 

 

 

 

Real estate construction

 

 
2 

 

$
1,482 

 

 

 -

 

$

 -

Residential real estate

 

 
4 

 

 
467 

 

 

 -

 

 

 -

Commercial, industrial and agricultural

 

 
2 

 

 
1,812 

 

 

 -

 

 

 -

Commercial, industrial and agricultural real estate

 

 
11 

 

 
7,669 

 

 

 -

 

 

 -

Total

 

 
19 

 

$
11,430 

 

 

 -

 

$

 -

 

 

            The following table reports the performing status of TDR loans. The performing status is determined by the loans compliance with the modified terms.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(Dollars in thousands)

 

 

March 31, 2013

 

 

December 31, 2012

 

 

 

Performing

 

Nonperforming

 

 

Performing

 

Nonperforming

Real estate construction

 

$
1,476 

 

$

 -

 

$
1,482 

 

$

 -

Residential real estate

 

 
464 

 

 

 -

 

 
467 

 

 

 -

Commercial, industrial and agriculture

 

 

 -

 

 

 -

 

 
1,812 

 

 

 -

Commercial, industrial and agriculture real estate

 

 
10,227 

 

 

 -

 

 
7,669 

 

 

 -

    Total

 

$
12,167 

 

$

 -

 

$
11,430 

 

$

 -

 

The following table reports new TDR loans during 2013 and the recorded investment as of March 31, 2013:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(Dollars in thousands)

 

New During Period

 

 

 

 

 

Number of

 

Pre-TDR

 

After-TDR

 

Recorded

Three Months Ended March 31, 2013

 

Contracts

 

Modification

 

Modification

 

Investment

Commercial, industrial and agricultural real estate

 
1 

 

$
2,444 

 

$
2,731 

 

$
2,727 

 

 

The following table reports the type of loan concession granted for new TDR loans made during 2013 and the recorded investment as of March 31, 2013.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(Dollars in thousands)

 

New During Period

 

 

 

 

 

Number of

 

Pre-TDR

 

After-TDR

 

Recorded

Three Months Ended March 31, 2013

 

Contracts

 

Modification

 

Modification

 

Investment

Multiple

 
1 

 

$
2,444 

 

$
2,731 

 

$
2,727 

 

 

 

 

 

 

The following table reports new TDR loans during 2012 and the recorded investment as of March 31, 2012:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(Dollars in thousands)

 

New During Period

 

 

 

 

 

Number of

 

Pre-TDR

 

After-TDR

 

Recorded

Three Months Ended March 31, 2012

 

Contracts

 

Modification

 

Modification

 

Investment

Residential real estate

 
3 

 

$
1,261 

 

$
1,086 

 

$
907 

Commercial, industrial and agricultural

 
3 

 

 
2,223 

 

 
2,223 

 

 
2,360 

Commercial, industrial and agricultural real estate

 
3 

 

 
1,662 

 

 
2,052 

 

 
2,042 

Total

 
9 

 

$
5,146 

 

$
5,361 

 

$
5,309 

 

 

 

The type of loan concession granted for new TDR loans during 2012 and the recorded investment as of March 31, 2012.

 

 

 

 

 

 

 

 

 

 

 

 

(Dollars in thousands)

 

New During Period

 

 

 

 

 

Number of

 

Pre-TDR

 

After-TDR

 

Recorded

Three Months Ended March 31, 2012

 

Contracts

 

Modification

 

Modification

 

Investment

Maturity

 
3 

 

$
2,223 

 

$
2,223 

 

$
2,360 

Multiple

 
6 

 

 
2,923 

 

 
3,138 

 

 
2,949 

 

 
9 

 

$
5,146 

 

$
5,361 

 

$
5,309