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Loans And The Allowance For Credit Losses (Tables)
 9 Months Ended
Sep. 30, 2012
Loans And The Allowance For Credit Losses [Abstract]  
Loan Loss Experience And Activity In The Allowance For Credit Losses

The following table reflects our loan loss experience and activity in the allowance for credit losses for the three months ended September 30, 2012:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(In thousands)

Commercial, financial and agricultural

Municipal

Real estate- residential

Real estate- commercial

Real estate-construction

Installment

All other

Totals

Allowance for credit losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

$
3,102 

$
410 

$
3,476 

$
4,557 

$
233 

$
21 

$
18 

$
11,817 

Charge-offs

 
0 

 
0 

 
0 

 
0 

 
0 

 
0 

 
0 

 
0 

Recoveries

 
3 

 
0 

 
1 

 
1 

 
8 

 
0 

 
0 

 
13 

Provision (credit)

 
136 

 
31 

 
85 

 
3 

 
(10)

 
(2)

 
7 

 
250 

Ending balance

$
3,241 

$
441 

$
3,562 

$
4,561 

$
231 

$
19 

$
25 

$
12,080 

 

The following table reflects our loan loss experience and activity in the allowance for credit losses for the nine months ended September 30, 2012, and our loan portfolio as of September 30, 2012:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(In thousands)

Commercial, financial and agricultural

Municipal

Real estate- residential

Real estate- commercial

Real estate-construction

Installment

All other

Totals

Allowance for credit losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

$
2,905 

$
309 

$
3,138 

$
4,484 

$
477 

$
23 

$
17 

$
11,353 

Charge-offs

 
(9)

 
0 

 
(20)

 
0 

 
0 

 
0 

 
0 

 
(29)

Recoveries

 
21 

 
0 

 
13 

 
1 

 
21 

 
0 

 
0 

 
56 

Provision (credit)

 
324 

 
132 

 
431 

 
76 

 
(267)

 
(4)

 
8 

 
700 

Ending balance

$
3,241 

$
441 

$
3,562 

$
4,561 

$
231 

$
19 

$
25 

$
12,080 

Ending balance individually

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

evaluated for impairment

$
4 

$
0 

$
270 

$
60 

$
0 

$
0 

$
0 

$
334 

Ending balance collectively

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

evaluated for impairment

 
3,237 

 
441 

 
3,292 

 
4,501 

 
231 

 
19 

 
25 

 
11,746 

Totals

$
3,241 

$
441 

$
3,562 

$
4,561 

$
231 

$
19 

$
25 

$
12,080 

Financing receivables:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance individually

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

evaluated for impairment

$
20 

$
0 

$
2,132 

$
581 

$
0 

$
7 

$
0 

$
2,740 

Ending balance collectively

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

evaluated for impairment

 
169,430 

 
82,048 

 
475,189 

 
326,601 

 
11,285 

 
5,252 

 
334 

 
1,070,139 

Totals

$
169,450 

$
82,048 

$
477,321 

$
327,182 

$
11,285 

$
5,259 

$
334 

$
1,072,879 

Components:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses

$
2,795 

$
435 

$
3,472 

$
4,502 

$
196 

$
19 

$
25 

$
11,444 

Reserve for undisbursed

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

lines of credit

 
446 

 
6 

 
90 

 
59 

 
35 

 
0 

 
0 

 
636 

Total allowance for credit

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

losses

$
3,241 

$
441 

$
3,562 

$
4,561 

$
231 

$
19 

$
25 

$
12,080 

 

 

 

 

The following table reflects our loan loss experience and activity in the allowance for credit losses for the three months ended September 30, 2011:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(In thousands)

Commercial, financial and agricultural

Municipal

Real estate- residential

Real estate- commercial

Real estate-construction

Installment

All other

Totals

Allowance for credit losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

$
3,122 

$
115 

$
2,563 

$
4,856 

$
193 

$
25 

$
27 

$
10,901 

Charge-offs

 
(2)

 
0 

 
(14)

 
0 

 
(85)

 
(2)

 
0 

 
(103)

Recoveries

 
32 

 
0 

 
2 

 
0 

 
7 

 
0 

 
0 

 
41 

Provision (credit)

 
(274)

 
182 

 
678 

 
(507)

 
175 

 
0 

 
(4)

 
250 

Ending balance

$
2,878 

$
297 

$
3,229 

$
4,349 

$
290 

$
23 

$
23 

$
11,089 

 

 

 

The following table reflects our loan loss experience and activity in the allowance for credit losses for the nine months ended September 30, 2011, and our loan portfolio as of September 30, 2011:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(In thousands)

Commercial, financial and agricultural

Municipal

Real estate- residential

Real estate- commercial

Real estate-construction

Installment

All other

Totals

Allowance for credit losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

$
2,617 

$
236 

$
2,428 

$
5,143 

$
283 

$
24 

$
23 

$
10,754 

Charge-offs

 
(79)

 
0 

 
(63)

 
(60)

 
(96)

 
(10)

 
0 

 
(308)

Recoveries

 
76 

 
0 

 
3 

 
43 

 
18 

 
3 

 
0 

 
143 

Provision (credit)

 
264 

 
61 

 
861 

 
(777)

 
85 

 
6 

 
0 

 
500 

Ending balance

$
2,878 

$
297 

$
3,229 

$
4,349 

$
290 

$
23 

$
23 

$
11,089 

Ending balance individually

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

evaluated for impairment

$
39 

$
0 

$
215 

$
0 

$
0 

$
0 

$
0 

$
254 

Ending balance collectively

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

evaluated for impairment

 
2,839 

 
297 

 
3,014 

 
4,349 

 
290 

 
23 

 
23 

 
10,835 

Totals

$
2,878 

$
297 

$
3,229 

$
4,349 

$
290 

$
23 

$
23 

$
11,089 

Financing receivables:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance individually

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

evaluated for impairment

$
223 

$
0 

$
2,380 

$
588 

$
0 

$
1 

$
0 

$
3,192 

Ending balance collectively

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

evaluated for impairment

 
155,820 

 
97,015 

 
423,240 

 
310,275 

 
12,238 

 
5,857 

 
439 

 
1,004,884 

Totals

$
156,043 

$
97,015 

$
425,620 

$
310,863 

$
12,238 

$
5,858 

$
439 

$
1,008,076 

Components:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses

$
2,448 

$
295 

$
3,131 

$
4,306 

$
254 

$
23 

$
23 

$
10,480 

Reserve for undisbursed

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

lines of credit

 
430 

 
2 

 
98 

 
43 

 
36 

 
0 

 
0 

 
609 

Total allowance for credit

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

losses

$
2,878 

$
297 

$
3,229 

$
4,349 

$
290 

$
23 

$
23 

$
11,089 

 

Aging Of Past Due Loans, Including Nonaccrual And Restructured Loans, By Class

Presented below is an aging of past due loans, including both non-accrual and restructured loans, by class as of September 30, 2012:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

30-59 Days

60-89 Days

Over 90 Days

Total Past

 

 

Greater Than 90 Days and

(In thousands)

Past Due

Past Due

Past Due

Due

Current

Total

Accruing

Commercial, financial and agricultural

$
0 

$
150 

$
9 

$
159 

$
169,291 

$
169,450 

$
0 

Municipal

 
0 

 
0 

 
0 

 
0 

 
82,048 

 
82,048 

 
0 

Real estate-residential:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

First mortgage

 
1 

 
64 

 
887 

 
952 

 
437,690 

 
438,642 

 
0 

Second mortgage

 
8 

 
0 

 
726 

 
734 

 
37,945 

 
38,679 

 
0 

Real estate-commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner occupied

 
0 

 
0 

 
401 

 
401 

 
217,162 

 
217,563 

 
0 

Non-owner occupied

 
0 

 
0 

 
0 

 
0 

 
109,619 

 
109,619 

 
0 

Real estate-construction:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential

 
0 

 
0 

 
0 

 
0 

 
1,960 

 
1,960 

 
0 

Commercial

 
0 

 
0 

 
0 

 
0 

 
9,325 

 
9,325 

 
0 

Installment

 
0 

 
0 

 
7 

 
7 

 
5,252 

 
5,259 

 
0 

Other

 
0 

 
0 

 
0 

 
0 

 
334 

 
334 

 
0 

Total

$
9 

$
214 

$
2,030 

$
2,253 

$
1,070,626 

$
1,072,879 

$
0 

 

 

Non-accruing and restructured loans make up $2.10 million of the total past due loans in the aging table above.

 

Presented below is an aging of past due loans, including both non-accrual and restructured loans, by class as of December 31, 2011:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

30-59 Days

60-89 Days

Over 90 Days

Total Past

 

 

Greater Than 90 Days and

 

Past Due

Past Due

Past Due

Due

Current

Total

Accruing

Commercial, financial and agricultural

$
0 

$
40 

$
8 

$
48 

$
146,942 

$
146,990 

$
0 

Municipal

 
0 

 
0 

 
0 

 
0 

 
101,705 

 
101,705 

 
0 

Real estate-residential:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

First mortgage

 
39 

 
305 

 
731 

 
1,075 

 
400,256 

 
401,331 

 
0 

Second mortgage

 
0 

 
0 

 
281 

 
281 

 
38,206 

 
38,487 

 
0 

Real estate-commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Owner occupied

 
0 

 
325 

 
87 

 
412 

 
205,844 

 
206,256 

 
0 

Non-owner occupied

 
0 

 
0 

 
0 

 
0 

 
107,659 

 
107,659 

 
0 

Real estate-construction:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Residential

 
0 

 
0 

 
0 

 
0 

 
1,798 

 
1,798 

 
0 

Commercial

 
0 

 
0 

 
0 

 
0 

 
17,195 

 
17,195 

 
0 

Installment

 
0 

 
0 

 
0 

 
0 

 
5,806 

 
5,806 

 
0 

Other

 
0 

 
0 

 
0 

 
0 

 
399 

 
399 

 
0 

Total

$
39 

$
670 

$
1,107 

$
1,816 

$
1,025,810 

$
1,027,626 

$
0 

 

 

 

 

Non-accruing and restructured loans make up $1.60 million of the total past due loans in the aging table above.

 

 
Impaired Loans By Class

Impaired loans by class at September 30, 2012 were as follows:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(In thousands)

Recorded Investment

Unpaid Principal Balance

Related Allowance

With no related allowance recorded

 

 

 

 

 

 

Commercial, financial and agricultural

$
11 

$
934 

$
0 

Real estate – residential:

 

 

 

 

 

 

First mortgage

 
788 

 
1,084 

 
0 

Second mortgage

 
5 

 
40 

 
0 

Real estate – commercial:

 

 

 

 

 

 

Owner occupied

 
324 

 
485 

 
0 

Non-owner occupied

 
0 

 
70 

 
0 

Installment

 
7 

 
52 

 
0 

With related allowance recorded

 

 

 

 

 

 

Commercial, financial and agricultural

 
9 

 
9 

 
4 

Real estate – residential:

 

 

 

 

 

 

First mortgage

 
618 

 
635 

 
232 

Second mortgage

 
721 

 
721 

 
38 

Real estate – commercial:

 

 

 

 

 

 

Owner occupied

 
257 

 
257 

 
60 

Total

 

 

 

 

 

 

Commercial, financial and agricultural

 
20 

 
943 

 
4 

Real estate – residential

 
2,132 

 
2,480 

 
270 

Real estate – commercial

 
581 

 
812 

 
60 

Installment and other

 
7 

 
52 

 
0 

Total

$
2,740 

$
4,287 

$
334 

 

 

Impaired loans by class at September 30, 2011 were as follows:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(In thousands)

Recorded Investment

Unpaid Principal Balance

Related Allowance

With no related allowance recorded

 

 

 

 

 

 

Commercial, financial and agricultural

$
168 

$
1,185 

$
0 

Real estate – residential:

 

 

 

 

 

 

First mortgage

 
1,164 

 
1,438 

 
0 

Second mortgage

 
178 

 
178 

 
0 

Real estate – commercial:

 

 

 

 

 

 

Owner occupied

 
588 

 
588 

 
0 

Non-owner occupied

 
0 

 
70 

 
0 

Real estate – construction:

 

 

 

 

 

 

Commercial

 
0 

 
94 

 
0 

Installment

 
1 

 
22 

 
0 

With related allowance recorded

 

 

 

 

 

 

Commercial, financial and agricultural

 
55 

 
55 

 
39 

Real estate – residential:

 

 

 

 

 

 

First mortgage

 
979 

 
979 

 
212 

Second mortgage

 
59 

 
59 

 
3 

Real estate – commercial:

 

 

 

 

 

 

Non-owner occupied

 
0 

 
0 

 
0 

Total

 

 

 

 

 

 

Commercial, financial and agricultural

 
223 

 
1,240 

 
39 

Real estate – residential

 
2,380 

 
2,654 

 
215 

Real estate – commercial

 
588 

 
658 

 
0 

Real estate – construction

 
0 

 
94 

 
0 

Installment and other

 
1 

 
22 

 
0 

Total

$
3,192 

$
4,668 

$
254 

 

 

Average Recorded Investment And Interest Income Recognized

The average recorded investment and interest income recognized on impaired loans for the three and nine months ended September 30, 2012 were as follows:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three months

 

Nine months

(In thousands)

Average Recorded Investment

Interest Income Recognized

 

Average Recorded Investment

Interest Income Recognized

With no related allowance recorded

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

$
24 

$
0 

 

$
49 

$
1 

Real estate – residential:

 

 

 

 

 

 

 

 

 

First mortgage

 
888 

 
27 

 

 
818 

 
47 

Second mortgage

 
331 

 
7 

 

 
325 

 
34 

Real estate – commercial:

 

 

 

 

 

 

 

 

 

Owner occupied

 
350 

 
2 

 

 
405 

 
5 

Non-owner occupied

 
0 

 
0 

 

 
0 

 
0 

Installment

 
2 

 
0 

 

 
1 

 
0 

With related allowance recorded

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

 
13 

 
0 

 

 
23 

 
0 

Real estate – residential:

 

 

 

 

 

 

 

 

 

First mortgage

 
580 

 
0 

 

 
662 

 
0 

Second mortgage

 
481 

 
0 

 

 
194 

 
0 

Real estate – commercial:

 

 

 

 

 

 

 

 

 

Owner occupied

 
231 

 
0 

 

 
113 

 
0 

Total

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

 
37 

 
0 

 

 
72 

 
1 

Real estate – residential

 
2,280 

 
34 

 

 
1,999 

 
81 

Real estate – commercial

 
581 

 
2 

 

 
518 

 
5 

Installment and other

 
2 

 
0 

 

 
1 

 
0 

Total

$
2,900 

$
36 

 

$
2,590 

$
87 

 

 

 

 

The average recorded investment and interest income recognized on impaired loans for the three and nine months ended September 30, 2011 were as follows:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three months

 

Nine months

(In thousands)

Average Recorded Investment

Interest Income Recognized

 

Average Recorded Investment

Interest Income Recognized

With no related allowance recorded

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

$
138 

$
0 

 

$
170 

$
0 

Real estate – residential:

 

 

 

 

 

 

 

 

 

First mortgage

 
1,412 

 
3 

 

 
1,257 

 
9 

Second mortgage

 
221 

 
0 

 

 
369 

 
1 

Real estate – commercial:

 

 

 

 

 

 

 

 

 

Owner occupied

 
510 

 
0 

 

 
486 

 
0 

Non-owner occupied

 
120 

 
0 

 

 
86 

 
0 

Real estate – construction:

 

 

 

 

 

 

 

 

 

Commercial

 
105 

 
0 

 

 
142 

 
0 

Installment

 
1 

 
0 

 

 
3 

 
0 

With related allowance recorded

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

 
138 

 
0 

 

 
306 

 
0 

Real estate – residential:

 

 

 

 

 

 

 

 

 

First mortgage

 
997 

 
0 

 

 
751 

 
0 

Second mortgage

 
59 

 
0 

 

 
26 

 
0 

Real estate – commercial:

 

 

 

 

 

 

 

 

 

Non-owner occupied

 
0 

 
0 

 

 
61 

 
0 

Total

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

 
276 

 
0 

 

 
476 

 
0 

Real estate – residential

 
2,689 

 
3 

 

 
2,403 

 
10 

Real estate – commercial

 
630 

 
0 

 

 
633 

 
0 

Real estate – construction

 
105 

 
0 

 

 
142 

 
0 

Installment and other

 
1 

 
0 

 

 
3 

 
0 

Total

$
3,701 

$
3 

 

$
3,657 

$
10 

 

 

 

Nonperforming Loans

 

Nonperforming loans at September 30, 2012 and December 31, 2011 were as follows:

 

 

 

 

 

 

 

 

 

 

(In thousands)

September 30, 2012

December 31, 2011

Nonaccrual  loans

$
2,180 

$
1,953 

Loans greater than 90 days and accruing

 
0 

 
0 

Troubled debt restructured loans (“TDRs”)

 
560 

 
558 

Total nonperforming loans

$
2,740 

$
2,511 

 

Summary Of Restructurings

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three months ended

 

Nine months ended

 

Number

Pre-Modification Recorded

Post-Modification Recorded

 

Number

Pre-Modification Recorded

Post-Modification Recorded

(Dollars in thousands)

of Loans

Investment

Investment

 

of Loans

Investment

Investment

Real estate – residential:

 

 

 

 

 

 

 

 

 

 

 

First mortgage
0 

$
0 

$
0 

 
3 

$
90 

$
90 

Real estate - commercial:

 

 

 

 

 

 

 

 

 

 

 

Owner occupied
0 

$
0 

$
0 

 
1 

$
180 

$
180 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three months ended

 

Nine months ended

 

Number

Pre-Modification Recorded

Post-Modification Recorded

 

Number

Pre-Modification Recorded

Post-Modification Recorded

(Dollars in thousands)

of Loans

Investment

Investment

 

of Loans

Investment

Investment

Real estate – residential:

 

 

 

 

 

 

 

 

 

 

 

First mortgage
1 

$
105 

$
104 

 
2 

$
158 

$
156 

 

Nonaccrual Loans By Class

 

 

 

 

 

 

 

 

 

 

(In thousands)

September 30, 2012

December 31, 2011

Commercial, financial and agricultural

$
20 

$
114 

Real estate - residential:

 

 

 

 

First mortgage

 
1,026 

 
1,146 

Second mortgage

 
726 

 
281 

Real estate - commercial:

 

 

 

 

Owner occupied

 
401 

 
412 

Installment

 
7 

 
0 

Nonaccruing non-TDR loans

$
2,180 

$
1,953 

Nonaccruing TDR’s

 

 

 

 

Real estate – residential:

 

 

 

 

First mortgage

 
372 

 
224 

Total nonaccrual loans

$
2,552 

$
2,177 

 

Summary Of Loans By Credit Quality Indicator

Below is a summary of loans by credit quality indicator as of September 30, 2012:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unrated Residential and

 

 

Pass-

Special

Sub-

 

 

(In thousands)

 Consumer

Pass

Watch

Mention

Standard

Total

Commercial, financial and agricultural

$
0 

 
148,550 

 
17,928 

 
501 

 
2,471 

$
169,450 

Municipal

 
0 

 
82,048 

 
0 

 
0 

 
0 

 
82,048 

Real estate – residential:

 

 

 

 

 

 

 

 

 

 

 

 

First mortgage

 
411,034 

 
24,690 

 
1,233 

 
747 

 
938 

 
438,642 

Second mortgage

 
36,784 

 
1,195 

 
0 

 
0 

 
700 

 
38,679 

Real estate – commercial:

 

 

 

 

 

 

 

 

 

 

 

 

Owner occupied

 
0 

 
190,603 

 
8,409 

 
3,035 

 
15,516 

 
217,563 

Non-owner occupied

 
0 

 
96,554 

 
10,101 

 
1,480 

 
1,484 

 
109,619 

Real estate – construction:

 

 

 

 

 

 

 

 

 

 

 

 

Residential

 
396 

 
1,564 

 
0 

 
0 

 
0 

 
1,960 

Commercial

 
593 

 
8,205 

 
527 

 
0 

 
0 

 
9,325 

Installment

 
5,259 

 
0 

 
0 

 
0 

 
0 

 
5,259 

All other loans

 
334 

 
0 

 
0 

 
0 

 
0 

 
334 

Total

$
454,400 

$
553,409 

$
38,198 

$
5,763 

$
21,109 

$
1,072,879 

 

 

Below is a summary of loans by credit quality indicator as of December 31, 2011:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Unrated Residential and

 

 

Pass-

Special

Sub-

 

 

(In thousands)

 Consumer

Pass

Watch

Mention

Standard

Total

Commercial, financial and agricultural

$
2 

$
117,772 

$
28,326 

$
170 

$
720 

$
146,990 

Municipal

 
0 

 
101,705 

 
0 

 
0 

 
0 

 
101,705 

Real estate – residential:

 

 

 

 

 

 

 

 

 

 

 

 

First mortgage

 
379,512 

 
18,647 

 
1,569 

 
641 

 
962 

 
401,331 

Second mortgage

 
38,020 

 
146 

 
0 

 
0 

 
321 

 
38,487 

Real estate – commercial:

 

 

 

 

 

 

 

 

 

 

 

 

Owner occupied

 
0 

 
175,878 

 
14,001 

 
7,355 

 
9,022 

 
206,256 

Non-owner occupied

 
0 

 
95,239 

 
8,891 

 
1,195 

 
2,334 

 
107,659 

Real estate – construction:

 

 

 

 

 

 

 

 

 

 

 

 

Residential

 
99 

 
0 

 
1,699 

 
0 

 
0 

 
1,798 

Commercial

 
81 

 
15,925 

 
573 

 
0 

 
616 

 
17,195 

Installment

 
5,806 

 
0 

 
0 

 
0 

 
0 

 
5,806 

All other loans

 
399 

 
0 

 
0 

 
0 

 
0 

 
399 

Total

$
423,919 

$
525,312 

$
55,059 

$
9,361 

$
13,975 

$
1,027,626