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Note 8 - Loans & Allowance for Loan Losses (Tables)
 9 Months Ended
Sep. 30, 2019
Troubled Debt Restructuring [Member]  
Allowance for Loan Losses

 

 

September 30, 2019

 

 

December 31, 2018

 

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TDRs with no specific allowance recorded

 

$

2,427

 

 

$

—

 

 

$

2,513

 

 

$

—

 

TDRs with an allowance recorded

 

 

391

 

 

 

386

 

 

 

964

 

 

 

411

 

Total

 

$

2,818

 

 

$

386

 

 

$

3,477

 

 

$

411

 
Total Retail Loans [Member]  
Major Classes of Loans

 

 

September 30,

 

 

December 31,

 

 

 

2019

 

 

2018

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

161,869

 

 

$

162,452

 

Construction

 

 

53,450

 

 

 

50,135

 

Secured by commercial real estate

 

 

340,108

 

 

 

308,590

 

Secured by residential real estate

 

 

73,121

 

 

 

68,581

 

State and political subdivisions

 

 

54,684

 

 

 

43,737

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

67,889

 

 

 

67,453

 

Home equity loans and lines

 

 

72,567

 

 

 

77,475

 

Consumer

 

 

6,637

 

 

 

6,785

 

Total loans

 

 

830,325

 

 

 

785,208

 

Net unearned costs

 

 

231

 

 

 

240

 

Loans receivable

 

$

830,556

 

 

$

785,448

 

 
Internal Risk Ratings and Payment Activity

 

September 30, 2019

 

Pass

 

 

Special

mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

154,641

 

 

$

—

 

 

$

7,228

 

 

$

—

 

 

$

161,869

 

Construction

 

 

53,450

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

53,450

 

Secured by commercial real estate

 

 

331,291

 

 

 

500

 

 

 

8,317

 

 

 

—

 

 

 

340,108

 

Secured by residential real estate

 

 

71,681

 

 

 

—

 

 

 

1,440

 

 

 

—

 

 

 

73,121

 

State and political subdivisions

 

 

54,684

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

54,684

 

Total

 

$

665,747

 

 

$

500

 

 

$

16,985

 

 

$

—

 

 

$

683,232

 

 

December 31, 2018

 

Pass

 

 

Special

mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

155,219

 

 

$

82

 

 

$

7,151

 

 

$

—

 

 

$

162,452

 

Construction

 

 

50,135

 

 

—

 

 

—

 

 

 

—

 

 

 

50,135

 

Secured by commercial real estate

 

 

297,713

 

 

 

1,259

 

 

 

9,618

 

 

 

—

 

 

 

308,590

 

Secured by residential real estate

 

 

66,838

 

 

 

173

 

 

 

1,570

 

 

 

—

 

 

 

68,581

 

State and political subdivisions

 

 

43,737

 

 

—

 

 

—

 

 

 

—

 

 

 

43,737

 

Total

 

$

613,642

 

 

$

1,514

 

 

$

18,339

 

 

$

—

 

 

$

633,495

 

 

September 30, 2019

 

Performing

 

 

Non-performing

 

 

Total

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

$

67,092

 

 

$

797

 

 

$

67,889

 

Home equity loans and lines

 

 

72,018

 

 

 

549

 

 

 

72,567

 

Consumer

 

 

6,554

 

 

 

83

 

 

 

6,637

 

Total

 

$

145,664

 

 

$

1,429

 

 

$

147,093

 

 

December 31, 2018

 

Performing

 

 

Non-performing

 

 

Total

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

$

66,513

 

 

$

940

 

 

$

67,453

 

Home equity loans and lines

 

 

77,309

 

 

 

166

 

 

 

77,475

 

Consumer

 

 

6,659

 

 

 

126

 

 

 

6,785

 

Total

 

$

150,481

 

 

$

1,232

 

 

$

151,713

 
Past Due Loans

September 30, 2019

 

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

 

$

27

 

 

$

265

 

 

$

1,824

 

 

$

2,116

 

 

$

159,753

 

 

$

161,869

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

53,450

 

 

 

53,450

 

Secured by commercial real estate

 

 

506

 

 

 

1,412

 

 

 

335

 

 

 

2,253

 

 

 

337,855

 

 

 

340,108

 

Secured by residential real estate

 

 

274

 

 

 

87

 

 

 

245

 

 

 

606

 

 

 

72,515

 

 

 

73,121

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

54,684

 

 

 

54,684

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

388

 

 

 

441

 

 

 

829

 

 

 

67,060

 

 

 

67,889

 

Home equity loans and lines

 

 

755

 

 

 

36

 

 

 

6

 

 

 

797

 

 

 

71,770

 

 

 

72,567

 

Consumer

 

 

24

 

 

 

11

 

 

 

—

 

 

 

35

 

 

 

6,602

 

 

 

6,637

 

Total

 

$

1,586

 

 

$

2,199

 

 

$

2,851

 

 

$

6,636

 

 

$

823,689

 

 

$

830,325

 

 

December 31, 2018

 

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

 

$

94

 

 

$

141

 

 

$

1,372

 

 

$

1,607

 

 

$

160,845

 

 

$

162,452

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

50,135

 

 

 

50,135

 

Secured by commercial real estate

 

 

305

 

 

 

1,029

 

 

 

638

 

 

 

1,972

 

 

 

306,618

 

 

 

308,590

 

Secured by residential real estate

 

 

24

 

 

 

352

 

 

 

291

 

 

 

667

 

 

 

67,914

 

 

 

68,581

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

43,737

 

 

 

43,737

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

544

 

 

 

245

 

 

 

476

 

 

 

1,265

 

 

 

66,188

 

 

 

67,453

 

Home equity loans and lines

 

 

82

 

 

 

205

 

 

 

61

 

 

 

348

 

 

 

77,127

 

 

 

77,475

 

Consumer

 

 

23

 

 

 

35

 

 

 

24

 

 

 

82

 

 

 

6,703

 

 

 

6,785

 

Total

 

$

1,072

 

 

$

2,007

 

 

$

2,862

 

 

$

5,941

 

 

$

779,267

 

 

$

785,208

 
Non-accrual Loans

September 30, 2019

 

90 days or more past

due (still accruing)

 

 

Non-accrual

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

6,498

 

Construction

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

3,498

 

Secured by residential real estate

 

 

—

 

 

 

1,019

 

State and political subdivisions

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

797

 

Home equity loans and lines

 

 

—

 

 

 

550

 

Consumer

 

 

—

 

 

 

83

 

Total

 

$

—

 

 

$

12,445

 

 

December 31, 2018

 

90 days or more past

due (still accruing)

 

 

Non-accrual

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

3,179

 

Construction

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

1,965

 

Secured by residential real estate

 

 

—

 

 

 

1,102

 

State and political subdivisions

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

940

 

Home equity loans and lines

 

 

—

 

 

 

166

 

Consumer

 

 

—

 

 

 

126

 

Total

 

$

—

 

 

$

7,478

 
Allowance for Loan Losses

Activity in the allowance for loan losses for the three and nine months ended September 30, 2019 and 2018 are as follows:

 

For the Three Months Ended September 30, 2019

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,302

 

 

$

844

 

 

$

(207

)

 

$

8

 

 

$

3,947

 

Construction

 

 

675

 

 

 

(87

)

 

 

—

 

 

 

—

 

 

 

588

 

Secured by commercial real estate

 

 

2,913

 

 

 

(60

)

 

 

—

 

 

 

8

 

 

 

2,861

 

Secured by residential real estate

 

 

722

 

 

 

(9

)

 

 

(15

)

 

 

16

 

 

 

714

 

State and political subdivisions

 

 

201

 

 

 

45

 

 

 

—

 

 

 

—

 

 

 

246

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

433

 

 

 

(15

)

 

 

—

 

 

 

—

 

 

 

418

 

Home equity loans and lines

 

 

294

 

 

 

21

 

 

 

—

 

 

 

3

 

 

 

318

 

Consumer

 

 

188

 

 

 

46

 

 

 

(49

)

 

 

16

 

 

 

201

 

Unallocated

 

 

436

 

 

 

(235

)

 

N/A

 

 

N/A

 

 

 

201

 

Total

 

$

9,164

 

 

$

550

 

 

$

(271

)

 

$

51

 

 

$

9,494

 

 

Three months ended September 30, 2018

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

2,840

 

 

$

177

 

 

$

—

 

 

$

10

 

 

$

3,027

 

Construction

 

 

573

 

 

 

21

 

 

 

—

 

 

 

—

 

 

 

594

 

Secured by commercial real estate

 

 

2,710

 

 

 

293

 

 

 

—

 

 

 

—

 

 

 

3,003

 

Secured by residential real estate

 

 

781

 

 

 

157

 

 

 

(77

)

 

 

2

 

 

 

863

 

State and political subdivisions

 

 

190

 

 

 

70

 

 

 

—

 

 

 

—

 

 

 

260

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

509

 

 

 

(47

)

 

 

(1

)

 

 

—

 

 

 

461

 

Home equity loans and lines

 

 

311

 

 

 

40

 

 

 

(40

)

 

 

7

 

 

 

318

 

Consumer

 

 

67

 

 

 

9

 

 

 

(21

)

 

 

5

 

 

 

60

 

Unallocated

 

 

211

 

 

 

(152

)

 

N/A

 

 

N/A

 

 

 

59

 

Total

 

$

8,192

 

 

$

568

 

 

$

(139

)

 

$

24

 

 

$

8,645

 

 

For the Nine Months Ended September 30, 2019

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,092

 

 

$

1,036

 

 

$

(207

)

 

$

26

 

 

$

3,947

 

Construction

 

 

551

 

 

 

37

 

 

 

—

 

 

 

—

 

 

 

588

 

Secured by commercial real estate

 

 

2,824

 

 

 

29

 

 

 

—

 

 

 

8

 

 

 

2,861

 

Secured by residential real estate

 

 

754

 

 

 

(68

)

 

 

(51

)

 

 

79

 

 

 

714

 

State and political subdivisions

 

 

153

 

 

 

93

 

 

 

—

 

 

 

—

 

 

 

246

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

—

 

1-4 family residential mortgages

 

 

497

 

 

 

(79

)

 

 

—

 

 

 

—

 

 

 

418

 

Home equity loans and lines

 

 

338

 

 

 

(17

)

 

 

(17

)

 

 

14

 

 

 

318

 

Consumer

 

 

164

 

 

 

154

 

 

 

(151

)

 

 

34

 

 

 

201

 

Unallocated

 

 

461

 

 

 

(260

)

 

N/A

 

 

N/A

 

 

 

201

 

Total

 

$

8,834

 

 

$

925

 

 

$

(426

)

 

$

161

 

 

$

9,494

 

 

 

Nine months ended September 30, 2018

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

2,711

 

 

$

284

 

 

$

—

 

 

$

32

 

 

$

3,027

 

Construction

 

 

563

 

 

 

31

 

 

 

—

 

 

 

—

 

 

 

594

 

Secured by commercial real estate

 

 

2,410

 

 

 

591

 

 

 

—

 

 

 

2

 

 

 

3,003

 

Secured by residential real estate

 

 

816

 

 

 

102

 

 

 

(77

)

 

 

22

 

 

 

863

 

State and political subdivisions

 

 

114

 

 

 

146

 

 

 

—

 

 

 

—

 

 

 

260

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

444

 

 

 

18

 

 

 

(1

)

 

 

—

 

 

 

461

 

Home equity loans and lines

 

 

357

 

 

 

33

 

 

 

(84

)

 

 

12

 

 

 

318

 

Consumer

 

 

57

 

 

 

48

 

 

 

(70

)

 

 

25

 

 

 

60

 

Unallocated

 

 

369

 

 

 

(310

)

 

N/A

 

 

N/A

 

 

 

59

 

Total

 

$

7,841

 

 

$

943

 

 

$

(232

)

 

$

93

 

 

$

8,645

 
Loans by Loan Class Modified as TDRs and Remodified TDRS

 

For the Three Months Ended September 30,

 

2019

 

 

2018

 

 

 

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:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Secured by commercial real estate

 

 

1

 

 

$

40

 

 

$

40

 

 

 

—

 

 

$

—

 

 

$

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Home equity loans and lines

 

 

—

 

 

 

—

 

 

 

—

 

 

 

1

 

 

 

38

 

 

 

42

 

Total

 

 

1

 

 

$

40

 

 

$

40

 

 

 

1

 

 

$

38

 

 

$

42

 

 

For the Nine Months Ended September 30,

 

2019

 

 

2018

 

 

 

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:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Secured by commercial real estate

 

 

1

 

 

$

40

 

 

$

40

 

 

 

—

 

 

$

—

 

 

$

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Home equity loans and lines

 

 

—

 

 

 

—

 

 

 

—

 

 

 

2

 

 

 

85

 

 

 

89

 

Total

 

 

1

 

 

$

40

 

 

$

40

 

 

 

2

 

 

$

85

 

 

$

89

 

 
Loans Disaggregated by Impairment Method

 

 

 

Allowance for Loan Losses

 

 

Loans Receivable

 

September 30, 2019

 

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

 

$

3,947

 

 

$

2,282

 

 

$

1,665

 

 

$

161,869

 

 

$

3,521

 

 

$

158,348

 

Construction

 

 

588

 

 

 

—

 

 

 

588

 

 

 

53,450

 

 

 

—

 

 

 

53,450

 

Secured by commercial real estate

 

 

2,861

 

 

 

8

 

 

 

2,853

 

 

 

340,108

 

 

 

2,994

 

 

 

337,114

 

Secured by residential real estate

 

 

714

 

 

 

49

 

 

 

665

 

 

 

73,121

 

 

 

1,626

 

 

 

71,495

 

State and political subdivisions

 

 

246

 

 

 

—

 

 

 

246

 

 

 

54,684

 

 

 

—

 

 

 

54,684

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

418

 

 

 

17

 

 

 

401

 

 

 

67,889

 

 

 

1,120

 

 

 

66,769

 

Home equity loans and lines

 

 

318

 

 

 

—

 

 

 

318

 

 

 

72,567

 

 

 

568

 

 

 

71,999

 

Consumer

 

 

201

 

 

 

—

 

 

 

201

 

 

 

6,637

 

 

 

71

 

 

 

6,566

 

Unallocated

 

 

201

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Total

 

$

9,494

 

 

$

2,356

 

 

$

6,937

 

 

$

830,325

 

 

$

9,900

 

 

$

820,425

 

 

 

 

Allowance for Loan Losses

 

 

Loans Receivable

 

December 31, 2018

 

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

 

$

3,092

 

 

$

1,461

 

 

$

1,631

 

 

$

162,452

 

 

$

7,128

 

 

$

155,324

 

Construction

 

 

551

 

 

 

—

 

 

 

551

 

 

 

50,135

 

 

 

—

 

 

 

50,135

 

Secured by commercial real estate

 

 

2,824

 

 

 

101

 

 

 

2,723

 

 

 

308,590

 

 

 

6,083

 

 

 

302,507

 

Secured by residential real estate

 

 

754

 

 

 

97

 

 

 

657

 

 

 

68,581

 

 

 

1,740

 

 

 

66,841

 

State and political subdivisions

 

 

153

 

 

 

—

 

 

 

153

 

 

 

43,737

 

 

 

—

 

 

 

43,737

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

497

 

 

 

—

 

 

 

497

 

 

 

67,453

 

 

 

1,268

 

 

 

66,185

 

Home equity loans and lines

 

 

338

 

 

 

5

 

 

 

333

 

 

 

77,475

 

 

 

186

 

 

 

77,289

 

Consumer

 

 

164

 

 

 

—

 

 

 

164

 

 

 

6,785

 

 

 

77

 

 

 

6,708

 

Unallocated

 

 

461

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Total

 

$

8,834

 

 

$

1,664

 

 

$

6,709

 

 

$

785,208

 

 

$

16,482

 

 

$

768,726

 
Impaired Loans

 

 

 

September 30, 2019

 

 

December 31, 2018

 

 

 

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

 

$

929

 

 

$

1,282

 

 

 

 

 

 

$

4,243

 

 

$

4,525

 

 

 

 

 

Construction

 

 

—

 

 

 

—

 

 

 

 

 

 

 

—

 

 

 

—

 

 

 

 

 

Secured by commercial real estate

 

 

3,599

 

 

 

4,268

 

 

 

 

 

 

 

5,012

 

 

 

5,577

 

 

 

 

 

Secured by residential real estate

 

 

1,431

 

 

 

1,596

 

 

 

 

 

 

 

1,023

 

 

 

1,140

 

 

 

 

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

968

 

 

 

1,005

 

 

 

 

 

 

 

1,268

 

 

 

1,357

 

 

 

 

 

Home equity loans and lines

 

 

568

 

 

 

618

 

 

 

 

 

 

 

140

 

 

 

190

 

 

 

 

 

Consumer

 

 

71

 

 

 

80

 

 

 

 

 

 

 

77

 

 

 

84

 

 

 

 

 

Total

 

$

7,566

 

 

$

8,849

 

 

 

 

 

 

$

11,763

 

 

$

12,873

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

5,569

 

 

$

6,949

 

 

$

2,282

 

 

$

2,885

 

 

$

4,128

 

 

$

1,461

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

960

 

 

 

1,006

 

 

 

8

 

 

 

1,071

 

 

 

1,095

 

 

 

101

 

Secured by residential real estate

 

 

195

 

 

 

241

 

 

 

49

 

 

 

717

 

 

 

773

 

 

 

97

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

152

 

 

 

161

 

 

 

17

 

 

 

—

 

 

 

—

 

 

 

—

 

Home equity loans and lines

 

 

—

 

 

 

—

 

 

 

—

 

 

 

46

 

 

 

46

 

 

 

5

 

Consumer

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Total

 

$

6,876

 

 

$

8,357

 

 

$

2,356

 

 

$

4,719

 

 

$

6,042

 

 

$

1,664

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

6,498

 

 

$

8,231

 

 

$

2,282

 

 

$

7,128

 

 

$

8,653

 

 

$

1,461

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

4,559

 

 

 

5,274

 

 

 

8

 

 

 

6,083

 

 

 

6,672

 

 

 

101

 

Secured by residential real estate

 

 

1,626

 

 

 

1,837

 

 

 

49

 

 

 

1,740

 

 

 

1,913

 

 

 

97

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

1,120

 

 

 

1,166

 

 

 

17

 

 

 

1,268

 

 

 

1,357

 

 

 

—

 

Home equity loans and lines

 

 

568

 

 

 

618

 

 

 

—

 

 

 

186

 

 

 

236

 

 

 

5

 

Consumer

 

 

71

 

 

 

80

 

 

 

—

 

 

 

77

 

 

 

84

 

 

 

—

 

Total

 

$

14,442

 

 

$

17,206

 

 

$

2,356

 

 

$

16,482

 

 

$

18,915

 

 

$

1,664

 

 

For the Nine Months Ended September 30,

 

2019

 

 

2018

 

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

4,127

 

 

$

1

 

 

$

5,913

 

 

$

164

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

4,468

 

 

 

81

 

 

 

4,543

 

 

 

77

 

Secured by residential real estate

 

 

1,716

 

 

 

30

 

 

 

1,808

 

 

 

15

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

1,060

 

 

 

9

 

 

 

1,244

 

 

 

9

 

Home equity loans and lines

 

 

198

 

 

 

1

 

 

 

185

 

 

 

1

 

Consumer

 

 

74

 

 

 

—

 

 

 

82

 

 

 

—

 

Total

 

$

11,643

 

 

$

122

 

 

$

13,775

 

 

$

266