XML 117 R34.htm IDEA: XBRL DOCUMENT v3.20.1
Note 5 - Loans Receivable and the Allowance for Loan Losses (Tables)
 12 Months Ended
Dec. 31, 2019
Troubled Debt Restructuring [Member]  
Allowance for Loan Losses

 

December 31,

 

2019

 

 

2018

 

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

 

Unpaid

principal

balance

 

 

Related

allowance

 

TDRs with no specific allowance recorded

 

$

2,957

 

 

$

—

 

 

$

2,513

 

 

$

—

 

TDRs with an allowance recorded

 

 

2,934

 

 

 

450

 

 

 

964

 

 

 

411

 

Total

 

$

5,891

 

 

$

450

 

 

$

3,477

 

 

$

411

 
Retail and Commercial Loans [Member]  
Major Classes of Loans

 

December 31,

 

2019

 

 

2018

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

168,031

 

 

$

162,452

 

Construction

 

 

56,209

 

 

 

50,135

 

Secured by commercial real estate

 

 

336,050

 

 

 

308,590

 

Secured by residential real estate

 

 

72,443

 

 

 

68,581

 

State and political subdivisions

 

 

38,376

 

 

 

43,737

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

69,469

 

 

 

67,453

 

Home equity loans and lines

 

 

73,311

 

 

 

77,475

 

Consumer

 

 

6,530

 

 

 

6,785

 

Total loans

 

 

820,419

 

 

 

785,208

 

Net unearned costs

 

 

197

 

 

 

240

 

Loans receivable

 

$

820,616

 

 

$

785,448

 

 
Internal Risk Ratings and Payment Activity

 

December 31, 2019

 

Pass

 

 

Special

mention

 

 

Substandard

 

 

Doubtful

 

 

Total

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

158,247

 

 

$

3,665

 

 

$

6,119

 

 

$

—

 

 

$

168,031

 

Construction

 

 

56,209

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

56,209

 

Secured by commercial real estate

 

 

324,936

 

 

 

2,995

 

 

 

8,119

 

 

 

—

 

 

 

336,050

 

Secured by residential real estate

 

 

70,759

 

 

 

—

 

 

 

1,684

 

 

 

—

 

 

 

72,443

 

State and political subdivisions

 

 

38,376

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

38,376

 

Total

 

$

648,527

 

 

$

6,660

 

 

$

15,922

 

 

$

—

 

 

$

671,109

 

 

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

 

 

December 31, 2019

 

Performing

 

 

Non-performing

 

 

Total

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

$

68,833

 

 

$

636

 

 

$

69,469

 

Home equity loans and lines

 

 

72,774

 

 

 

537

 

 

 

73,311

 

Consumer

 

 

6,391

 

 

 

139

 

 

 

6,530

 

Total

 

$

147,998

 

 

$

1,312

 

 

$

149,310

 

 

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

 

December 31, 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

 

$

—

 

 

$

58

 

 

$

2,006

 

 

$

2,064

 

 

$

165,967

 

 

$

168,031

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

56,209

 

 

 

56,209

 

Secured by commercial real estate

 

 

—

 

 

 

—

 

 

 

1,527

 

 

 

1,527

 

 

 

334,523

 

 

 

336,050

 

Secured by residential  real estate

 

 

208

 

 

 

79

 

 

 

142

 

 

 

429

 

 

 

72,014

 

 

 

72,443

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

38,376

 

 

 

38,376

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

1,486

 

 

 

573

 

 

 

432

 

 

 

2,491

 

 

 

66,978

 

 

 

69,469

 

Home equity loans and lines

 

 

271

 

 

 

23

 

 

 

55

 

 

 

349

 

 

 

72,962

 

 

 

73,311

 

Consumer

 

 

29

 

 

 

71

 

 

 

—

 

 

 

100

 

 

 

6,430

 

 

 

6,530

 

Total

 

$

1,994

 

 

$

804

 

 

$

4,162

 

 

$

6,960

 

 

$

813,459

 

 

$

820,419

 

 

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

 

December 31, 2019

 

90 days or more past

due (still accruing)

 

 

Non-accrual

 

Commercial:

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

—

 

 

$

5,901

 

Construction

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

—

 

 

 

3,640

 

Secured by residential real estate

 

 

—

 

 

 

851

 

State and political subdivisions

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

636

 

Home equity loans and lines

 

 

—

 

 

 

537

 

Consumer

 

 

—

 

 

 

139

 

Total

 

$

—

 

 

$

11,704

 

 

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 years ended December 31, 2019, 2018 and 2017 are as follows:

 

Year ended December 31, 2019

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

3,092

 

 

$

1,771

 

 

$

(207

)

 

$

33

 

 

$

4,689

 

Construction

 

 

551

 

 

 

39

 

 

 

—

 

 

 

—

 

 

 

590

 

Secured by commercial real estate

 

 

2,824

 

 

 

(315

)

 

 

—

 

 

 

10

 

 

 

2,519

 

Secured by residential real estate

 

 

754

 

 

 

(197

)

 

 

(51

)

 

 

123

 

 

 

629

 

State and political subdivisions

 

 

153

 

 

 

(38

)

 

 

—

 

 

 

—

 

 

 

115

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

497

 

 

 

52

 

 

 

—

 

 

 

—

 

 

 

549

 

Home equity loans and lines

 

 

338

 

 

 

(26

)

 

 

(17

)

 

 

15

 

 

 

310

 

Consumer

 

 

164

 

 

 

219

 

 

 

(197

)

 

 

44

 

 

 

230

 

Unallocated

 

 

461

 

 

 

(205

)

 

N/A

 

 

N/A

 

 

 

256

 

Total

 

$

8,834

 

 

$

1,300

 

 

$

(472

)

 

$

225

 

 

$

9,887

 

 

Year ended December 31, 2018

 

Balance,

beginning of

period

 

 

Provision for

(credit to)

loan losses

 

 

Charge-offs

 

 

Recoveries

 

 

Balance, end

of period

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

2,711

 

 

$

341

 

 

$

—

 

 

$

40

 

 

$

3,092

 

Construction

 

 

563

 

 

 

(12

)

 

 

—

 

 

 

—

 

 

 

551

 

Secured by commercial real estate

 

 

2,410

 

 

 

391

 

 

 

—

 

 

 

23

 

 

 

2,824

 

Secured by residential real estate

 

 

816

 

 

 

(12

)

 

 

(77

)

 

 

27

 

 

 

754

 

State and political subdivisions

 

 

114

 

 

 

39

 

 

 

—

 

 

 

—

 

 

 

153

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

444

 

 

 

54

 

 

 

(1

)

 

 

—

 

 

 

497

 

Home equity loans and lines

 

 

357

 

 

 

52

 

 

 

(84

)

 

 

13

 

 

 

338

 

Consumer

 

 

57

 

 

 

185

 

 

 

(112

)

 

 

34

 

 

 

164

 

Unallocated

 

 

369

 

 

 

92

 

 

N/A

 

 

N/A

 

 

 

461

 

Total

 

$

7,841

 

 

$

1,130

 

 

$

(274

)

 

$

137

 

 

$

8,834

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Year ended December 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

 

 

$

2,178

 

 

$

(960

)

 

$

34

 

 

$

2,711

 

Construction

 

 

449

 

 

 

114

 

 

 

—

 

 

 

—

 

 

 

563

 

Secured by commercial real estate

 

 

2,646

 

 

 

(244

)

 

 

—

 

 

 

8

 

 

 

2,410

 

Secured by residential real estate

 

 

1,760

 

 

 

(959

)

 

 

(23

)

 

 

38

 

 

 

816

 

State and political subdivisions

 

 

123

 

 

 

(9

)

 

 

—

 

 

 

—

 

 

 

114

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

366

 

 

 

78

 

 

 

—

 

 

 

—

 

 

 

444

 

Home equity loans and lines

 

 

353

 

 

 

(6

)

 

 

—

 

 

 

10

 

 

 

357

 

Consumer

 

 

76

 

 

 

41

 

 

 

(92

)

 

 

32

 

 

 

57

 

Unallocated

 

 

162

 

 

 

207

 

 

N/A

 

 

N/A

 

 

 

369

 

Total

 

$

7,394

 

 

$

1,400

 

 

$

(1,075

)

 

$

122

 

 

$

7,841

 
Loans by Loan Class Modified as TDRs

 

Year ended December 31,

 

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:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 

1

 

 

$

641

 

 

$

126

 

 

 

—

 

 

$

—

 

 

$

—

 

Secured by commercial real estate

 

 

3

 

 

$

2,540

 

 

$

2,528

 

 

 

1

 

 

$

99

 

 

$

99

 

Secured by residential real estate

 

 

3

 

 

 

—

 

 

 

534

 

 

 

1

 

 

 

39

 

 

 

29

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Home equity loans and lines

 

 

—

 

 

 

—

 

 

 

—

 

 

 

2

 

 

 

95

 

 

 

86

 

Total

 

 

7

 

 

$

3,181

 

 

$

3,188

 

 

 

4

 

 

$

233

 

 

$

214

 
Loans Disaggregated by Impairment Method

 

 

 

Allowance for Loan Losses

 

 

Loans Receivable

 

December 31, 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

 

$

4,689

 

 

$

3,307

 

 

$

1,382

 

 

$

168,031

 

 

$

6,027

 

 

$

162,004

 

Construction

 

 

590

 

 

 

—

 

 

 

590

 

 

 

56,209

 

 

 

—

 

 

 

56,209

 

Secured by commercial real estate

 

 

2,519

 

 

 

217

 

 

 

2,302

 

 

 

336,050

 

 

 

7,172

 

 

 

328,878

 

Secured by residential real estate

 

 

629

 

 

 

31

 

 

 

598

 

 

 

72,443

 

 

 

2,082

 

 

 

70,361

 

State and political subdivisions

 

 

115

 

 

 

—

 

 

 

115

 

 

 

38,376

 

 

 

—

 

 

 

38,376

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

549

 

 

 

—

 

 

 

549

 

 

 

69,469

 

 

 

955

 

 

 

68,514

 

Home equity loans and lines

 

 

310

 

 

 

—

 

 

 

310

 

 

 

73,311

 

 

 

555

 

 

 

72,756

 

Consumer

 

 

230

 

 

 

11

 

 

 

219

 

 

 

6,530

 

 

 

69

 

 

 

6,461

 

Unallocated

 

 

256

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

 

N/A

 

Total

 

$

9,887

 

 

$

3,566

 

 

$

6,065

 

 

$

820,419

 

 

$

16,860

 

 

$

803,559

 

 

 

 

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

 

 

 

December 31, 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

 

$

901

 

 

$

1,258

 

 

$

—

 

 

$

4,243

 

 

$

4,525

 

 

$

—

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

3,735

 

 

 

4,362

 

 

 

—

 

 

 

5,012

 

 

 

5,577

 

 

 

—

 

Secured by residential real estate

 

 

1,936

 

 

 

2,110

 

 

 

—

 

 

 

1,023

 

 

 

1,140

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

—

 

 

 

—

 

 

 

1,268

 

 

 

1,357

 

 

 

—

 

Home equity loans and lines

 

 

955

 

 

 

1,010

 

 

 

—

 

 

 

140

 

 

 

190

 

 

 

—

 

Consumer

 

 

555

 

 

 

612

 

 

 

—

 

 

 

77

 

 

 

84

 

 

 

—

 

Total

 

$

8,082

 

 

$

9,352

 

 

$

—

 

 

$

11,763

 

 

$

12,873

 

 

$

—

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

5,126

 

 

$

6,577

 

 

$

3,307

 

 

$

2,885

 

 

$

4,128

 

 

$

1,461

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

3,437

 

 

 

3,495

 

 

 

217

 

 

 

1,071

 

 

 

1,095

 

 

 

101

 

Secured by residential real estate

 

 

146

 

 

 

193

 

 

 

31

 

 

 

717

 

 

 

773

 

 

 

97

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Home equity loans and lines

 

 

—

 

 

 

—

 

 

 

—

 

 

 

46

 

 

 

46

 

 

 

5

 

Consumer

 

 

69

 

 

 

79

 

 

 

11

 

 

 

—

 

 

 

—

 

 

 

—

 

Total

 

$

8,778

 

 

$

10,344

 

 

$

3,566

 

 

$

4,719

 

 

$

6,042

 

 

$

1,664

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

6,027

 

 

$

7,835

 

 

$

3,307

 

 

$

7,128

 

 

$

8,653

 

 

$

1,461

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Secured by commercial real estate

 

 

7,172

 

 

 

7,857

 

 

 

217

 

 

 

6,083

 

 

 

6,672

 

 

 

101

 

Secured by residential real estate

 

 

2,082

 

 

 

2,303

 

 

 

31

 

 

 

1,740

 

 

 

1,913

 

 

 

97

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

—

 

 

 

—

 

 

 

—

 

 

 

1,268

 

 

 

1,357

 

 

 

—

 

Home equity loans and lines

 

 

955

 

 

 

1,010

 

 

 

—

 

 

 

186

 

 

 

236

 

 

 

5

 

Consumer

 

 

624

 

 

 

691

 

 

 

11

 

 

 

77

 

 

 

84

 

 

 

—

 

Total

 

$

16,860

 

 

$

19,696

 

 

$

3,566

 

 

$

16,482

 

 

$

18,915

 

 

$

1,664

 

 

Year Ended December 31,

 

2019

 

 

2018

 

 

2017

 

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

 

Average

recorded

investment

 

 

Interest income

recognized

 

Commercial:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

4,603

 

 

$

1

 

 

$

6,064

 

 

$

227

 

 

$

5,301

 

 

$

14

 

Construction

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

51

 

 

 

2

 

Secured by commercial real estate

 

 

4,682

 

 

 

94

 

 

 

4,908

 

 

 

189

 

 

 

5,744

 

 

 

145

 

Secured by residential real estate

 

 

1,713

 

 

 

40

 

 

 

1,800

 

 

 

23

 

 

 

2,252

 

 

 

23

 

State and political subdivisions

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

 

 

—

 

Retail:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential mortgages

 

 

1,037

 

 

 

12

 

 

 

1,251

 

 

 

12

 

 

 

1,155

 

 

 

13

 

Home equity loans and lines

 

 

281

 

 

 

1

 

 

 

186

 

 

 

1

 

 

 

138

 

 

 

1

 

Consumer

 

 

73

 

 

 

—

 

 

 

81

 

 

 

—

 

 

 

97

 

 

 

—

 

Total

 

$

12,389

 

 

$

148

 

 

$

14,290

 

 

$

452

 

 

$

14,738

 

 

$

198