XML 47 R33.htm IDEA: XBRL DOCUMENT v3.6.0.2
Note 5 - Loans & Allowance for Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2016
Loans by Loan Class Modified as TDRs

 

Year ended December 31,

 

2016

 

 

2015

 

TDRs Subsequently Defaulted

 

Number

of contracts

 

 

Recorded investment

 

 

Number

of contracts

 

 

Recorded investment

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Secured by residential real estate

 

 

1

 

 

$

111

 

 

 

—

 

 

$

—

 

 
Troubled Debt Restructuring [Member]  
Allowance for Loan Losses

 

December 31,

 

2016

 

 

2015

 

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

TDRs with no specific allowance recorded

 

$

3,992

 

 

 

—

 

 

$

1,787

 

 

 

—

 

TDRs with an allowance recorded

 

 

1,382

 

 

$

761

 

 

 

491

 

 

$

491

 

Total

 

$

5,374

 

 

$

761

 

 

$

2,278

 

 

$

491

 

 
Total Retail Loans [Member]  
Major Classes of Loans

 

December 31,

 

2016

 

 

2015

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

110,233

 

 

$

124,397

 

Construction

 

 

39,268

 

 

 

27,372

 

Secured by commercial real estate

 

 

255,188

 

 

 

235,171

 

Secured by residential real estate

 

 

68,731

 

 

 

63,164

 

State and political subdivisions

 

 

35,260

 

 

 

40,285

 

Indirect lease financing

 

 

—

 

 

 

10,371

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

47,124

 

 

 

42,833

 

Home equity loans and lines

 

 

71,525

 

 

 

67,384

 

Consumer

 

 

5,670

 

 

 

4,286

 

Total loans

 

 

632,999

 

 

 

615,263

 

Net unearned costs

 

 

80

 

 

 

7

 

Loans receivable

 

$

633,079

 

 

$

615,270

 

 
Internal Risk Ratings and Payment Activity

 

December 31, 2016

 

Pass

 

 

Special

mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

102,396

 

 

$

686

 

 

$

7,151

 

 

$

—

 

 

$

110,233

 

Construction

 

 

39,259

 

 

 

—

 

 

 

9

 

 

 

—

 

 

 

39,268

 

Secured by commercial real estate

 

 

238,290

 

 

 

5,185

 

 

 

11,713

 

 

 

—

 

 

 

255,188

 

Secured by residential real estate

 

 

65,169

 

 

 

231

 

 

 

3,331

 

 

 

—

 

 

 

68,731

 

State and political subdivisions

 

 

35,260

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

35,260

 

Total

 

$

480,374

 

 

$

6,102

 

 

$

22,204

 

 

$

—

 

 

$

508,680

 

 

December 31, 2015

 

Pass

 

 

Special

mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

117,246

 

 

 

—

 

 

$

7,151

 

 

$

—

 

 

$

124,397

 

Construction

 

 

27,355

 

 

 

—

 

 

 

17

 

 

 

—

 

 

 

27,372

 

Secured by commercial real estate

 

 

218,958

 

 

$

361

 

 

 

15,852

 

 

 

—

 

 

 

235,171

 

Secured by residential real estate

 

 

60,286

 

 

 

34

 

 

 

2,844

 

 

 

—

 

 

 

63,164

 

State and political subdivisions

 

 

39,027

 

 

 

—

 

 

 

1,258

 

 

 

—

 

 

 

40,285

 

Indirect lease financing

 

 

10,168

 

 

 

—

 

 

 

203

 

 

 

—

 

 

 

10,371

 

Total

 

$

473,040

 

 

$

395

 

 

$

27,325

 

 

$

—

 

 

$

500,760

 

 

December 31, 2016

 

Performing

 

 

Non-performing

 

 

Total

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

$

46,858

 

 

$

266

 

 

$

47,124

 

Home equity loans and lines

 

 

71,436

 

 

 

89

 

 

 

71,525

 

Consumer

 

 

5,577

 

 

 

93

 

 

 

5,670

 

Total

 

$

123,871

 

 

$

448

 

 

$

124,319

 

 

December 31, 2015

 

Performing

 

 

Non-performing

 

 

Total

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

$

42,546

 

 

$

287

 

 

$

42,833

 

Home equity loans and lines

 

 

67,257

 

 

 

127

 

 

 

67,384

 

Consumer

 

 

4,286

 

 

 

—

 

 

 

4,286

 

Total

 

$

114,089

 

 

$

414

 

 

$

114,503

 

 
Past Due Loans

 

December 31, 2016

 

30-59 days

past due

 

 

60-89 days

past due

 

 

90 days or

more past

due

 

 

Total past

due loans

 

 

Current

 

 

Total loans

receivable

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

463

 

 

 

—

 

 

 

—

 

 

$

463

 

 

$

109,770

 

 

$

110,233

 

Construction

 

 

214

 

 

 

—

 

 

 

—

 

 

 

214

 

 

 

39,054

 

 

 

39,268

 

Secured by commercial real estate

 

 

64

 

 

$

395

 

 

$

1,596

 

 

 

2,055

 

 

 

253,133

 

 

 

255,188

 

Secured by residential real estate

 

 

—

 

 

 

—

 

 

 

285

 

 

 

285

 

 

 

68,446

 

 

 

68,731

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

35,260

 

 

 

35,260

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

1,459

 

 

 

323

 

 

 

—

 

 

 

1,782

 

 

 

45,342

 

 

 

47,124

 

Home equity loans and lines

 

 

107

 

 

 

15

 

 

 

—

 

 

 

122

 

 

 

71,403

 

 

 

71,525

 

Consumer

 

 

14

 

 

 

2

 

 

 

—

 

 

 

16

 

 

 

5,654

 

 

 

5,670

 

Total

 

$

2,321

 

 

$

735

 

 

$

1,881

 

 

$

4,937

 

 

$

628,062

 

 

$

632,999

 

 

December 31, 2015

 

30-59 days

past due

 

 

60-89 days

past due

 

 

90 days or

more past

due

 

 

Total past

due loans

 

 

Current

 

 

Total loans

receivable

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

95

 

 

 

—

 

 

 

—

 

 

$

95

 

 

$

124,302

 

 

$

124,397

 

Construction

 

 

63

 

 

 

—

 

 

 

—

 

 

 

63

 

 

 

27,309

 

 

 

27,372

 

Secured by commercial real estate

 

 

443

 

 

 

—

 

 

$

935

 

 

 

1,378

 

 

 

233,793

 

 

 

235,171

 

Secured by residential real estate

 

 

—

 

 

$

97

 

 

 

369

 

 

 

466

 

 

 

62,698

 

 

 

63,164

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

40,285

 

 

 

40,285

 

Indirect lease financing

 

 

320

 

 

 

53

 

 

 

130

 

 

 

503

 

 

 

9,868

 

 

 

10,371

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

641

 

 

 

234

 

 

 

—

 

 

 

875

 

 

 

41,958

 

 

 

42,833

 

Home equity loans and lines

 

 

272

 

 

 

—

 

 

 

45

 

 

 

317

 

 

 

67,067

 

 

 

67,384

 

Consumer

 

 

12

 

 

 

10

 

 

 

—

 

 

 

22

 

 

 

4,264

 

 

 

4,286

 

Total

 

$

1,846

 

 

$

394

 

 

$

1,479

 

 

$

3,719

 

 

$

611,544

 

 

$

615,263

 

 
Non-accrual Loans

 

December 31, 2016

 

90 days or more past

due (still accruing)

 

 

Non-accrual

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

4,798

 

Construction

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

3,007

 

Secured by residential real estate

 

 

—

 

 

 

1,866

 

State and political subdivisions

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

266

 

Home equity loans and lines

 

 

—

 

 

 

89

 

Consumer

 

 

—

 

 

 

93

 

Total

 

$

—

 

 

$

10,119

 

 

December 31, 2015

 

90 days or more past

due (still accruing)

 

 

Non-accrual

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

 

—

 

 

$

3,433

 

Construction

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

3,627

 

Secured by residential real estate

 

 

—

 

 

 

1,803

 

State and political subdivisions

 

 

—

 

 

 

—

 

Indirect lease financing

 

$

11

 

 

 

143

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

287

 

Home equity loans and lines

 

 

—

 

 

 

127

 

Consumer

 

 

—

 

 

 

—

 

Total

 

$

11

 

 

$

9,420

 

 
Allowance for Loan Losses

 

Year ended December 31, 2016

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

1,521

 

 

$

41

 

 

$

(140

)

 

$

37

 

 

$

1,459

 

Construction

 

 

286

 

 

 

163

 

 

 

—

 

 

 

—

 

 

 

449

 

Secured by commercial real estate

 

 

2,411

 

 

 

227

 

 

 

—

 

 

 

8

 

 

 

2,646

 

Secured by residential real estate

 

 

1,812

 

 

 

(44

)

 

 

(120

)

 

 

112

 

 

 

1,760

 

State and political subdivisions

 

 

222

 

 

 

(99

)

 

 

—

 

 

 

—

 

 

 

123

 

Indirect lease financing

 

 

164

 

 

 

(121

)

 

 

(52

)

 

 

9

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

350

 

 

 

16

 

 

 

—

 

 

 

—

 

 

 

366

 

Home equity loans and lines

 

 

428

 

 

 

(91

)

 

 

—

 

 

 

16

 

 

 

353

 

Consumer

 

 

76

 

 

 

60

 

 

 

(92

)

 

 

32

 

 

 

76

 

Unallocated

 

 

284

 

 

 

(122

)

 

N/A

 

 

N/A

 

 

 

162

 

Total

 

$

7,554

 

 

$

30

 

 

$

(404

)

 

$

214

 

 

$

7,394

 

 

Year ended December 31, 2015

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

1,892

 

 

$

(353

)

 

$

(56

)

 

$

38

 

 

$

1,521

 

Construction

 

 

297

 

 

 

(11

)

 

 

—

 

 

 

—

 

 

 

286

 

Secured by commercial real estate

 

 

2,700

 

 

 

(214

)

 

 

(84

)

 

 

9

 

 

 

2,411

 

Secured by residential real estate

 

 

1,630

 

 

 

687

 

 

 

(531

)

 

 

26

 

 

 

1,812

 

State and political subdivisions

 

 

221

 

 

 

1

 

 

 

—

 

 

 

—

 

 

 

222

 

Indirect lease financing

 

 

93

 

 

 

76

 

 

 

(21

)

 

 

16

 

 

 

164

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

312

 

 

 

38

 

 

 

—

 

 

 

—

 

 

 

350

 

Home equity loans and lines

 

 

453

 

 

 

(47

)

 

 

—

 

 

 

22

 

 

 

428

 

Consumer

 

 

85

 

 

 

57

 

 

 

(95

)

 

 

29

 

 

 

76

 

Unallocated

 

 

318

 

 

 

(34

)

 

N/A

 

 

N/A

 

 

 

284

 

Total

 

$

8,001

 

 

$

200

 

 

$

(787

)

 

$

140

 

 

$

7,554

 

 
Loans by Loan Class Modified as TDRs

 

Year ended December 31,

 

2016

 

 

2015

 

 

 

Number of

contracts

 

 

Pre-modification

outstanding

recorded

investment

 

 

Post-modification

outstanding

recorded

investment

 

 

Number of

contracts

 

 

Pre-modification

outstanding

recorded

investment

 

 

Post-modification

outstanding

recorded

investment

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 

7

 

 

$

1,099

 

 

$

1,020

 

 

 

1

 

 

$

47

 

 

$

46

 

Secured by commercial real estate

 

 

2

 

 

 

1,296

 

 

 

1,251

 

 

 

1

 

 

 

400

 

 

 

397

 

Secured by residential real estate

 

 

5

 

 

 

1,156

 

 

 

1,126

 

 

 

—

 

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

1

 

 

 

193

 

 

 

193

 

 

 

1

 

 

 

142

 

 

 

141

 

Consumer

 

 

1

 

 

 

96

 

 

 

93

 

 

 

—

 

 

 

—

 

 

 

—

 

Total

 

 

16

 

 

$

3,840

 

 

$

3,683

 

 

 

3

 

 

$

589

 

 

$

584

 

 
Loans Disaggregated by Impairment Method

 

 

 

Allowance for Loan Losses

 

 

Loans Receivable

 

December 31, 2016

 

Balance

 

 

Balance related

to loans

individually

evaluated for

impairment

 

 

Balance related

to loans

collectively

evaluated for

impairment

 

 

Balance

 

 

Balance

individually

evaluated for

impairment

 

 

Balance

collectively

evaluated for

impairment

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

1,459

 

 

$

696

 

 

$

763

 

 

$

110,233

 

 

$

5,134

 

 

$

105,099

 

Construction

 

 

449

 

 

 

—

 

 

 

449

 

 

 

39,268

 

 

 

224

 

 

 

39,044

 

Secured by commercial real estate

 

 

2,646

 

 

 

—

 

 

 

2,646

 

 

 

255,188

 

 

 

6,383

 

 

 

248,805

 

Secured by residential real estate

 

 

1,760

 

 

 

494

 

 

 

1,266

 

 

 

68,731

 

 

 

2,313

 

 

 

66,418

 

State and political subdivisions

 

 

123

 

 

 

—

 

 

 

123

 

 

 

35,260

 

 

 

—

 

 

 

35,260

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

366

 

 

 

8

 

 

 

358

 

 

 

47,124

 

 

 

748

 

 

 

46,376

 

Home equity loans and lines

 

 

353

 

 

 

—

 

 

 

353

 

 

 

71,525

 

 

 

111

 

 

 

71,414

 

Consumer

 

 

76

 

 

 

—

 

 

 

76

 

 

 

5,670

 

 

 

93

 

 

 

5,577

 

Unallocated

 

 

162

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Total

 

$

7,394

 

 

$

1,198

 

 

$

6,034

 

 

$

632,999

 

 

$

15,006

 

 

$

617,993

 

 

 

 

Allowance for Loan Losses

 

 

Loans Receivable

 

December 31, 2015

 

Balance

 

 

Balance related

to loans

individually

evaluated for

impairment

 

 

Balance related

to loans

collectively

evaluated for

impairment

 

 

Balance

 

 

Balance

individually

evaluated for

impairment

 

 

Balance

collectively

evaluated for

impairment

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

1,521

 

 

$

712

 

 

$

809

 

 

$

124,397

 

 

$

4,586

 

 

$

119,811

 

Construction

 

 

286

 

 

 

—

 

 

 

286

 

 

 

27,372

 

 

 

364

 

 

 

27,008

 

Secured by commercial real estate

 

 

2,411

 

 

 

14

 

 

 

2,397

 

 

 

235,171

 

 

 

6,998

 

 

 

228,173

 

Secured by residential real estate

 

 

1,812

 

 

 

203

 

 

 

1,609

 

 

 

63,164

 

 

 

2,113

 

 

 

61,051

 

State and political subdivisions

 

 

222

 

 

 

—

 

 

 

222

 

 

 

40,285

 

 

 

—

 

 

 

40,285

 

Indirect lease financing

 

 

164

 

 

 

20

 

 

 

144

 

 

 

10,371

 

 

 

146

 

 

 

10,225

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

350

 

 

 

25

 

 

 

325

 

 

 

42,833

 

 

 

583

 

 

 

42,250

 

Home equity loans and lines

 

 

428

 

 

 

—

 

 

 

428

 

 

 

67,384

 

 

 

151

 

 

 

67,233

 

Consumer

 

 

76

 

 

 

—

 

 

 

76

 

 

 

4,286

 

 

 

—

 

 

 

4,286

 

Unallocated

 

 

284

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Total

 

$

7,554

 

 

$

974

 

 

$

6,296

 

 

$

615,263

 

 

$

14,941

 

 

$

600,322

 

 
Impaired Loans

 

 

 

December 31, 2016

 

 

December 31, 2015

 

 

 

Recorded

investment

(after

charge-offs)

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

Recorded

investment

(after

charge-offs)

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

With no specific allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

2,482

 

 

$

2,862

 

 

$

—

 

 

$

3,629

 

 

$

3,923

 

 

$

—

 

Construction

 

 

224

 

 

 

234

 

 

 

—

 

 

 

364

 

 

 

364

 

 

 

—

 

Secured by commercial real estate

 

 

6,383

 

 

 

6,367

 

 

 

—

 

 

 

6,932

 

 

 

7,416

 

 

 

—

 

Secured by residential real estate

 

 

1,046

 

 

 

1,438

 

 

 

—

 

 

 

942

 

 

 

1,653

 

 

 

—

 

Indirect lease financing

 

 

—

 

 

 

—

 

 

 

—

 

 

 

3

 

 

 

3

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

570

 

 

 

589

 

 

 

—

 

 

 

393

 

 

 

406

 

 

 

—

 

Home equity loans and lines

 

 

111

 

 

 

174

 

 

 

—

 

 

 

151

 

 

 

201

 

 

 

—

 

Consumer

 

 

93

 

 

 

95

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total

 

$

10,909

 

 

$

11,759

 

 

$

—

 

 

$

12,414

 

 

$

13,966

 

 

$

—

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

2,652

 

 

$

2,812

 

 

$

696

 

 

$

957

 

 

$

1,086

 

 

$

712

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

—

 

 

 

—

 

 

 

66

 

 

 

66

 

 

 

14

 

Secured by residential real estate

 

 

1,267

 

 

 

1,435

 

 

 

494

 

 

 

1,171

 

 

 

1,279

 

 

 

203

 

Indirect lease financing

 

 

—

 

 

 

—

 

 

 

—

 

 

 

143

 

 

 

145

 

 

 

20

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

178

 

 

 

193

 

 

 

8

 

 

 

190

 

 

 

197

 

 

 

25

 

Home equity loans and lines

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Consumer

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total

 

$

4,097

 

 

$

4,440

 

 

$

1,198

 

 

$

2,527

 

 

$

2,773

 

 

$

974

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

5,134

 

 

$

5,674

 

 

$

696

 

 

$

4,586

 

 

$

5,009

 

 

$

712

 

Construction

 

 

224

 

 

 

234

 

 

 

—

 

 

 

364

 

 

 

364

 

 

 

—

 

Secured by commercial real estate

 

 

6,383

 

 

 

6,367

 

 

 

—

 

 

 

6,998

 

 

 

7,482

 

 

 

14

 

Secured by residential real estate

 

 

2,313

 

 

 

2,873

 

 

 

494

 

 

 

2,113

 

 

 

2,932

 

 

 

203

 

Indirect lease financing

 

 

—

 

 

 

—

 

 

 

—

 

 

 

146

 

 

 

148

 

 

 

20

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

748

 

 

 

782

 

 

 

8

 

 

 

583

 

 

 

603

 

 

 

25

 

Home equity loans and lines

 

 

111

 

 

 

174

 

 

 

—

 

 

 

151

 

 

 

201

 

 

 

—

 

Consumer

 

 

93

 

 

 

95

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total

 

$

15,006

 

 

$

16,199

 

 

$

1,198

 

 

$

14,941

 

 

$

16,739

 

 

$

974

 

 

Year Ended December 31,

 

2016

 

 

2015

 

 

2014

 

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

4,200

 

 

$

58

 

 

$

6,108

 

 

$

169

 

 

$

9,305

 

 

$

331

 

Construction

 

 

370

 

 

 

18

 

 

 

396

 

 

 

20

 

 

 

1,050

 

 

 

2

 

Secured by commercial real estate

 

 

6,129

 

 

 

131

 

 

 

7,370

 

 

 

149

 

 

 

12,304

 

 

 

344

 

Secured by residential real estate

 

 

1,960

 

 

 

15

 

 

 

1,544

 

 

 

—

 

 

 

2,452

 

 

 

—

 

Indirect lease financing

 

 

88

 

 

 

—

 

 

 

43

 

 

 

1

 

 

 

26

 

 

 

1

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

583

 

 

 

10

 

 

 

448

 

 

 

6

 

 

 

460

 

 

 

5

 

Home equity loans and lines

 

 

129

 

 

 

1

 

 

 

135

 

 

 

1

 

 

 

169

 

 

 

—

 

Consumer

 

 

29

 

 

 

—

 

 

 

2

 

 

 

—

 

 

 

2

 

 

 

—

 

Total

 

$

13,488

 

 

$

233

 

 

$

16,046

 

 

$

346

 

 

$

25,768

 

 

$

683