XML 34 R23.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 7 - Loans & Allowance for Loan Losses (Tables)
 3 Months Ended
Mar. 31, 2017
Receivables [Abstract]  
Major Classes of Loans

 

 

March 31

 

 

December 31,

 

 

 

2017

 

 

2016

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

120,344

 

 

$

110,233

 

Construction

 

 

40,244

 

 

 

39,268

 

Secured by commercial real estate

 

 

268,051

 

 

 

255,188

 

Secured by residential real estate

 

 

68,681

 

 

 

68,731

 

State and political subdivisions

 

 

35,523

 

 

 

35,260

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

48,158

 

 

 

47,124

 

Home equity loans and lines

 

 

71,587

 

 

 

71,525

 

Consumer

 

 

6,317

 

 

 

5,670

 

Total loans

 

 

658,905

 

 

 

632,999

 

Net unearned costs

 

 

134

 

 

 

80

 

Loans receivable

 

$

659,039

 

 

$

633,079

 

 
Internal Risk Ratings and Payment Activity

 

March 31, 2017

 

Pass

 

 

Special

mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

110,818

 

 

$

4,598

 

 

$

4,928

 

 

$

—

 

 

$

120,344

 

Construction

 

 

40,237

 

 

 

—

 

 

 

7

 

 

 

—

 

 

 

40,244

 

Secured by commercial real estate

 

 

252,137

 

 

 

5,131

 

 

 

10,783

 

 

 

—

 

 

 

268,051

 

Secured by residential real estate

 

 

65,903

 

 

 

229

 

 

 

2,549

 

 

 

—

 

 

 

68,681

 

State and political subdivisions

 

 

35,523

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

35,523

 

Total

 

$

504,618

 

 

$

9,958

 

 

$

18,267

 

 

$

—

 

 

$

532,843

 

 

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

 

 

March 31, 2017

 

Performing

 

 

Non-performing

 

 

Total

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

$

47,418

 

 

$

740

 

 

$

48,158

 

Home equity loans and lines

 

 

71,517

 

 

 

70

 

 

 

71,587

 

Consumer

 

 

6,226

 

 

 

91

 

 

 

6,317

 

Total

 

$

125,161

 

 

$

901

 

 

$

126,062

 

 

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

 

 
Past Due Loans

March 31, 2017

 

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

 

$

5,758

 

 

 

—

 

 

 

—

 

 

$

5,758

 

 

$

114,586

 

 

$

120,344

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

40,244

 

 

 

40,244

 

Secured by commercial real estate

 

 

705

 

 

 

—

 

 

$

93

 

 

 

798

 

 

 

267,253

 

 

 

268,051

 

Secured by residential real estate

 

 

179

 

 

 

—

 

 

 

158

 

 

 

337

 

 

 

68,344

 

 

 

68,681

 

State and political subdivisions

 

 

76

 

 

 

—

 

 

 

—

 

 

 

76

 

 

 

35,447

 

 

 

35,523

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

875

 

 

 

—

 

 

 

481

 

 

 

1,356

 

 

 

46,802

 

 

 

48,158

 

Home equity loans and lines

 

 

168

 

 

$

50

 

 

 

35

 

 

 

253

 

 

 

71,334

 

 

 

71,587

 

Consumer

 

 

29

 

 

 

11

 

 

 

—

 

 

 

40

 

 

 

6,277

 

 

 

6,317

 

Total

 

$

7,790

 

 

$

61

 

 

$

767

 

 

$

8,618

 

 

$

650,287

 

 

$

658,905

 

 

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

 

 
Non-accrual Loans

March 31, 2017

 

90 days or more past

due (still accruing)

 

 

Non-accrual

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

4,670

 

Construction

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

2,215

 

Secured by residential real estate

 

 

—

 

 

 

1,812

 

State and political subdivisions

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

740

 

Home equity loans and lines

 

 

—

 

 

 

70

 

Consumer

 

 

—

 

 

 

91

 

Total

 

$

—

 

 

$

9,598

 

 

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

 

 
Allowance for Loan Losses

 

Three months ended March 31, 2017

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

1,459

 

 

$

507

 

 

 

—

 

 

$

12

 

 

$

1,978

 

Construction

 

 

449

 

 

 

14

 

 

 

—

 

 

 

—

 

 

 

463

 

Secured by commercial real estate

 

 

2,646

 

 

 

(71

)

 

 

—

 

 

 

2

 

 

 

2,577

 

Secured by residential real estate

 

 

1,760

 

 

 

(436

)

 

$

(3

)

 

 

23

 

 

 

1,344

 

State and political subdivisions

 

 

123

 

 

 

1

 

 

 

—

 

 

 

—

 

 

 

124

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

-

 

1-4 family residential mortgages

 

 

366

 

 

 

49

 

 

 

—

 

 

 

—

 

 

 

415

 

Home equity loans and lines

 

 

353

 

 

 

(14

)

 

 

—

 

 

 

3

 

 

 

342

 

Consumer

 

 

76

 

 

 

13

 

 

 

(21

)

 

 

9

 

 

 

77

 

Unallocated

 

 

162

 

 

 

237

 

 

N/A

 

 

N/A

 

 

 

399

 

Total

 

$

7,394

 

 

$

300

 

 

$

(24

)

 

$

49

 

 

$

7,719

 

 

Three months ended March 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

 

 

$

(56

)

 

$

(140

)

 

$

9

 

 

$

1,334

 

Construction

 

 

286

 

 

 

66

 

 

 

—

 

 

 

—

 

 

 

352

 

Secured by commercial real estate

 

 

2,411

 

 

 

(121

)

 

 

—

 

 

 

2

 

 

 

2,292

 

Secured by residential real estate

 

 

1,812

 

 

 

(140

)

 

 

—

 

 

 

18

 

 

 

1,690

 

State and political subdivisions

 

 

222

 

 

 

(26

)

 

 

—

 

 

 

—

 

 

 

196

 

Indirect lease financing

 

 

164

 

 

 

53

 

 

 

(9

)

 

 

—

 

 

 

208

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

350

 

 

 

2

 

 

 

—

 

 

 

—

 

 

 

352

 

Home equity loans and lines

 

 

428

 

 

 

(81

)

 

 

—

 

 

 

5

 

 

 

352

 

Consumer

 

 

76

 

 

 

1

 

 

 

(17

)

 

 

9

 

 

 

69

 

Unallocated

 

 

284

 

 

 

427

 

 

N/A

 

 

N/A

 

 

 

711

 

Total

 

$

7,554

 

 

$

125

 

 

$

(166

)

 

$

43

 

 

$

7,556

 

 

 

March 31, 2017

 

 

December 31, 2016

 

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TDRs with no specific allowance recorded

 

$

3,653

 

 

 

—

 

 

$

3,992

 

 

 

—

 

TDRs with an allowance recorded

 

 

1,303

 

 

$

395

 

 

 

1,382

 

 

$

761

 

Total

 

$

4,956

 

 

$

395

 

 

$

5,374

 

 

$

761

 

 
Loans by Loan Class Modified as TDRs

 

Three months ended March 31,

 

2017

 

 

2016

 

 

 

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

 

 

—

 

 

$

—

 

 

$

—

 

 

 

6

 

 

$

1,074

 

 

$

1,050

 

Secured by residential real estate

 

 

—

 

 

 

—

 

 

 

—

 

 

 

3

 

 

 

483

 

 

 

479

 

Total

 

 

—

 

 

$

—

 

 

$

—

 

 

 

9

 

 

$

1,557

 

 

$

1,529

 

 
Loans Disaggregated by Impairment Method

 

 

 

Allowance for Loan Losses

 

 

Loans Receivable

 

March 31, 2017

 

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

 

$

1,978

 

 

$

841

 

 

$

1,137

 

 

$

120,344

 

 

$

4,877

 

 

$

115,467

 

Construction

 

 

463

 

 

 

—

 

 

 

463

 

 

 

40,244

 

 

 

7

 

 

 

40,237

 

Secured by commercial real estate

 

 

2,577

 

 

 

52

 

 

 

2,525

 

 

 

268,051

 

 

 

5,532

 

 

 

262,519

 

Secured by residential real estate

 

 

1,344

 

 

 

176

 

 

 

1,168

 

 

 

68,681

 

 

 

2,249

 

 

 

66,432

 

State and political subdivisions

 

 

124

 

 

 

—

 

 

 

124

 

 

 

35,523

 

 

 

—

 

 

 

35,523

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

415

 

 

 

4

 

 

 

411

 

 

 

48,158

 

 

 

1,081

 

 

 

47,077

 

Home equity loans and lines

 

 

342

 

 

 

—

 

 

 

342

 

 

 

71,587

 

 

 

92

 

 

 

71,495

 

Consumer

 

 

77

 

 

 

—

 

 

 

77

 

 

 

6,317

 

 

 

91

 

 

 

6,226

 

Unallocated

 

 

399

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Total

 

$

7,719

 

 

$

1,073

 

 

$

6,247

 

 

$

658,905

 

 

$

13,929

 

 

$

644,976

 

 

 

 

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

 

 
Impaired Loans

 

 

March 31, 2017

 

 

December 31, 2016

 

 

 

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

 

$

2,313

 

 

$

2,659

 

 

$

—

 

 

$

2,482

 

 

$

2,862

 

 

$

—

 

Construction

 

 

7

 

 

 

7

 

 

 

—

 

 

 

224

 

 

 

234

 

 

 

—

 

Secured by commercial real estate

 

 

5,422

 

 

 

5,929

 

 

 

—

 

 

 

6,383

 

 

 

6,367

 

 

 

—

 

Secured by residential real estate

 

 

1,020

 

 

 

1,430

 

 

 

—

 

 

 

1,046

 

 

 

1,438

 

 

 

—

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

908

 

 

 

928

 

 

 

—

 

 

 

570

 

 

 

589

 

 

 

—

 

Home equity loans and lines

 

 

92

 

 

 

132

 

 

 

—

 

 

 

111

 

 

 

174

 

 

 

—

 

Consumer

 

 

91

 

 

 

93

 

 

 

—

 

 

 

93

 

 

 

95

 

 

 

—

 

Total

 

$

9,853

 

 

$

11,178

 

 

$

—

 

 

$

10,909

 

 

$

11,759

 

 

$

—

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

2,564

 

 

$

2,742

 

 

$

841

 

 

$

2,652

 

 

$

2,812

 

 

$

696

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

110

 

 

 

112

 

 

 

52

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by residential real estate

 

 

1,229

 

 

 

1,360

 

 

 

176

 

 

 

1,267

 

 

 

1,435

 

 

 

494

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

173

 

 

 

190

 

 

 

4

 

 

 

178

 

 

 

193

 

 

 

8

 

Home equity loans and lines

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Consumer

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total

 

$

4,076

 

 

$

4,404

 

 

$

1,073

 

 

$

4,097

 

 

$

4,440

 

 

$

1,198

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

4,877

 

 

$

5,401

 

 

$

841

 

 

$

5,134

 

 

$

5,674

 

 

$

696

 

Construction

 

 

7

 

 

 

7

 

 

 

—

 

 

 

224

 

 

 

234

 

 

 

—

 

Secured by commercial real estate

 

 

5,532

 

 

 

6,041

 

 

 

52

 

 

 

6,383

 

 

 

6,367

 

 

 

—

 

Secured by residential real estate

 

 

2,249

 

 

 

2,790

 

 

 

176

 

 

 

2,313

 

 

 

2,873

 

 

 

494

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

1,081

 

 

 

1,118

 

 

 

4

 

 

 

748

 

 

 

782

 

 

 

8

 

Home equity loans and lines

 

 

92

 

 

 

132

 

 

 

—

 

 

 

111

 

 

 

174

 

 

 

—

 

Consumer

 

 

91

 

 

 

93

 

 

 

—

 

 

 

93

 

 

 

95

 

 

 

—

 

Total

 

$

13,929

 

 

$

15,582

 

 

$

1,073

 

 

$

15,006

 

 

$

16,199

 

 

$

1,198

 

 

Three Months Ended March 31,

 

2017

 

 

2016

 

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

4,995

 

 

$

5

 

 

$

4,570

 

 

$

19

 

Construction

 

 

146

 

 

 

2

 

 

 

382

 

 

 

4

 

Secured by commercial real estate

 

 

6,128

 

 

 

40

 

 

 

6,554

 

 

 

34

 

Secured by residential real estate

 

 

2,278

 

 

 

7

 

 

 

2,070

 

 

 

4

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Indirect lease financing

 

 

—

 

 

 

—

 

 

 

129

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

829

 

 

 

4

 

 

 

580

 

 

 

3

 

Home equity loans and lines

 

 

101

 

 

 

—

 

 

 

145

 

 

 

—

 

Consumer

 

 

92

 

 

 

—

 

 

 

—

 

 

 

—

 

Total

 

$

14,569

 

 

$

58

 

 

$

14,430

 

 

$

64