XML 47 R37.htm IDEA: XBRL DOCUMENT v3.5.0.2
Loans and Related Allowance for Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2016
Loans and Related Allowance for Loan Losses [Abstract]  
Primary Segments of the Loan Portfolio

The following table summarizes the primary segments of the loan portfolio at June 30, 2016 and December 31, 2015:



 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

(in thousands)

Commercial Real Estate

Acquisition and Development

Commercial and Industrial

Residential Mortgage

Consumer

Total

June 30, 2016

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

   Individually evaluated for impairment

$

 22,234 

$

 2,617 

$

 1,176 

$

 5,421 

$

 0 

$

 31,448 

   Collectively evaluated for impairment

$

 281,607 

$

 116,845 

$

 74,542 

$

 390,155 

$

 24,655 

$

 887,804 

Total loans

$

 303,841 

$

 119,462 

$

 75,718 

$

 395,576 

$

 24,655 

$

 919,252 



 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2015

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

   Individually evaluated for impairment

$

 14,646 

$

 4,496 

$

 1,076 

$

 4,590 

$

 0 

$

 24,808 

   Collectively evaluated for impairment

$

 265,859 

$

 106,490 

$

 72,777 

$

 384,149 

$

 24,940 

$

 854,215 

Total loans

$

 280,505 

$

 110,986 

$

 73,853 

$

 388,739 

$

 24,940 

$

 879,023 



Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating



The following table presents the classes of the loan portfolio summarized by the aggregate Pass and the criticized categories of Special Mention and Substandard within the internal risk rating system at June 30, 2016 and December 31, 2015:



 

 

 

 

 

 

 

 

(in thousands)

Pass

Special Mention

Substandard

Total

June 30, 2016

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 149,843 

$

 11,401 

$

 15,190 

$

 176,434 

     All other CRE

 

 103,473 

 

 9,441 

 

 14,493 

 

 127,407 

  Acquisition and development

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 19,238 

 

 0 

 

 582 

 

 19,820 

     All other A&D

 

 96,206 

 

 70 

 

 3,366 

 

 99,642 

  Commercial and industrial

 

 73,627 

 

 206 

 

 1,885 

 

 75,718 

  Residential mortgage

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 307,202 

 

 64 

 

 11,094 

 

 318,360 

     Residential mortgage - home equity

 

 75,355 

 

 0 

 

 1,861 

 

 77,216 

  Consumer

 

 24,524 

 

 0 

 

 131 

 

 24,655 

        Total

$

 849,468 

$

 21,182 

$

 48,602 

$

 919,252 



 

 

 

 

 

 

 

 

December 31, 2015

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 140,378 

$

 11,574 

$

 7,378 

$

 159,330 

     All other CRE

 

 103,811 

 

 1,184 

 

 16,180 

 

 121,175 

  Acquisition and development

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 15,011 

 

 0 

 

 700 

 

 15,711 

     All other A&D

 

 89,963 

 

 74 

 

 5,238 

 

 95,275 

  Commercial and industrial

 

 69,420 

 

 1,212 

 

 3,221 

 

 73,853 

  Residential mortgage

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 300,558 

 

 167 

 

 10,744 

 

 311,469 

     Residential mortgage - home equity

 

 75,491 

 

 0 

 

 1,779 

 

 77,270 

  Consumer

 

 24,881 

 

 0 

 

 59 

 

 24,940 

        Total

$

 819,513 

$

 14,211 

$

 45,299 

$

 879,023 



Loan Portfolio Summarized by the Past Due Status



The following table presents the classes of the loan portfolio summarized by the aging categories of performing loans and non-accrual loans at June 30, 2016 and December 31, 2015:



 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

(in thousands)

Current

30-59 Days Past Due

60-89 Days Past Due

90 Days+ Past Due

Total Past Due and Accruing

Non-Accrual

Total Loans

June 30, 2016

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 174,849 

$

 559 

$

 0 

$

 0 

$

 559 

$

 1,026 

$

 176,434 

     All other CRE

 

 120,120 

 

 74 

 

 0 

 

 0 

 

 74 

 

 7,213 

 

 127,407 

  Acquisition and development

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 19,820 

 

 0 

 

 0 

 

 0 

 

 0 

 

 0 

 

 19,820 

     All other A&D

 

 99,538 

 

 0 

 

 0 

 

 12 

 

 12 

 

 92 

 

 99,642 

  Commercial and industrial

 

 75,683 

 

 20 

 

 15 

 

 0 

 

 35 

 

 0 

 

 75,718 

  Residential mortgage

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 313,171 

 

 668 

 

 1,209 

 

 700 

 

 2,577 

 

 2,612 

 

 318,360 

     Residential mortgage - home equity

 

 76,035 

 

 680 

 

 20 

 

 106 

 

 806 

 

 375 

 

 77,216 

  Consumer

 

 24,383 

 

 186 

 

 55 

 

 31 

 

 272 

 

 0 

 

 24,655 

        Total

$

 903,599 

$

 2,187 

$

 1,299 

$

 849 

$

 4,335 

$

 11,318 

$

 919,252 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2015

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 157,217 

$

 634 

$

 171 

$

 0 

$

 805 

$

 1,308 

$

 159,330 

     All other CRE

 

 110,022 

 

 1,179 

 

 0 

 

 0 

 

 1,179 

 

 9,974 

 

 121,175 

  Acquisition and development

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 15,711 

 

 0 

 

 0 

 

 0 

 

 0 

 

 0 

 

 15,711 

     All other A&D

 

 93,284 

 

 0 

 

 174 

 

 0 

 

 174 

 

 1,817 

 

 95,275 

  Commercial and industrial

 

 73,619 

 

 13 

 

 36 

 

 0 

 

 49 

 

 185 

 

 73,853 

  Residential mortgage

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 306,248 

 

 227 

 

 2,149 

 

 907 

 

 3,283 

 

 1,938 

 

 311,469 

     Residential mortgage - home equity

 

 76,195 

 

 505 

 

 203 

 

 91 

 

 799 

 

 276 

 

 77,270 

  Consumer

 

 24,604 

 

 224 

 

 85 

 

 27 

 

 336 

 

 0 

 

 24,940 

        Total

$

 856,900 

$

 2,782 

$

 2,818 

$

 1,025 

$

 6,625 

$

 15,498 

$

 879,023 



Primary Segments of the Allowance for Loan Loss

The following table summarizes the primary segments of the ALL at June 30, 2016 and December 31, 2015, segregated by the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment: 









 

 

 

 

 

 

 

 

 

 

 

 

 

 

(in thousands)

Commercial Real Estate

Acquisition and Development

Commercial and Industrial

Residential Mortgage

Consumer

 

Unallocated

Total

June 30, 2016

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

   Individually evaluated for impairment

$

 1,666 

$

 770 

$

 0 

$

 164 

$

 0 

$

 0 

$

 2,600 

   Collectively evaluated for impairment

$

 2,739 

$

 2,348 

$

 737 

$

 3,559 

$

 195 

$

 500 

$

 10,078 

Total ALL

$

 4,405 

$

 3,118 

$

 737 

$

 3,723 

$

 195 

$

 500 

$

 12,678 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2015

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

   Individually evaluated for impairment

$

 144 

$

 867 

$

 16 

$

 130 

$

 0 

$

 0 

$

 1,157 

   Collectively evaluated for impairment

$

 2,436 

$

 3,262 

$

 706 

$

 3,655 

$

 206 

$

 500 

$

 10,765 

Total ALL

$

 2,580 

$

 4,129 

$

 722 

$

 3,785 

$

 206 

$

 500 

$

 11,922 



Impaired Loans and Related Interest Income by Loan Portfolio Class





The following table presents impaired loans by class, segregated by those for which a specific allowance was required and those for which a specific allowance was not necessary at June 30, 2016 and December 31, 2015:



 

 

 

 

 

 

 

 

 

 



 

Impaired Loans with Specific Allowance

 

Impaired Loans with No Specific Allowance

 

Total Impaired Loans

(in thousands)

 

Recorded Investment

 

Related Allowances

 

Recorded Investment

 

Recorded Investment

 

Unpaid Principal Balance

June 30, 2016

 

 

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 9,600 

$

 1,781 

$

 745 

$

 10,345 

$

 10,691 

     All other CRE

 

 0 

 

 0 

 

 11,889 

 

 11,889 

 

 12,218 

  Acquisition and development

 

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 582 

 

 117 

 

 0 

 

 582 

 

 628 

     All other A&D

 

 1,943 

 

 653 

 

 92 

 

 2,035 

 

 2,326 

  Commercial and industrial

 

 0 

 

 0 

 

 1,176 

 

 1,176 

 

 3,390 

  Residential mortgage

 

 

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 351 

 

 32 

 

 4,695 

 

 5,046 

 

 5,475 

     Residential mortgage – home equity

 

 56 

 

 17 

 

 319 

 

 375 

 

 396 

  Consumer

 

 0 

 

 0 

 

 0 

 

 0 

 

 6 

        Total impaired loans

$

 12,532 

$

 2,600 

$

 18,916 

$

 31,448 

$

 35,130 



 

 

 

 

 

 

 

 

 

 

December 31, 2015

 

 

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 676 

$

 144 

$

 1,031 

$

 1,707 

$

 1,842 

     All other CRE

 

 0 

 

 0 

 

 12,939 

 

 12,939 

 

 13,302 

  Acquisition and development

 

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 700 

 

 178 

 

 0 

 

 700 

 

 746 

     All other A&D

 

 1,979 

 

 689 

 

 1,817 

 

 3,796 

 

 8,362 

  Commercial and industrial

 

 16 

 

 16 

 

 1,060 

 

 1,076 

 

 3,343 

  Residential mortgage

 

 

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 440 

 

 112 

 

 3,874 

 

 4,314 

 

 4,808 

     Residential mortgage – home equity

 

 57 

 

 18 

 

 219 

 

 276 

 

 297 

  Consumer

 

 0 

 

 0 

 

 0 

 

 0 

 

 0 

        Total impaired loans

$

 3,868 

$

 1,157 

$

 20,940 

$

 24,808 

$

 32,700 



Allowance for Loan Losses Summarized by Loan Portfolio Segments

The following tables present the activity in the ALL for the six- and three-month periods ended June 30, 2016 and 2015:





 

 

 

 

 

 

 

 

 

 

 

 

 

 

(in thousands)

Commercial Real Estate

Acquisition and Development

Commercial and Industrial

Residential Mortgage

Consumer

 

Unallocated

Total

ALL balance at January 1, 2016

$

 2,580 

$

 4,129 

$

 722 

$

 3,785 

$

 206 

$

 500 

$

 11,922 

Charge-offs

 

 (2,009)

 

 (78)

 

 (259)

 

 (216)

 

 (140)

 

 0 

 

 (2,702)

Recoveries

 

 93 

 

 1,282 

 

 38 

 

 54 

 

 77 

 

 0 

 

 1,544 

Provision

 

 3,741 

 

 (2,215)

 

 236 

 

 100 

 

 52 

 

 0 

 

 1,914 

ALL balance at June 30, 2016

$

 4,405 

$

 3,118 

$

 737 

$

 3,723 

$

 195 

$

 500 

$

 12,678 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

ALL balance at January 1, 2015

$

 2,424 

$

 3,912 

$

 1,680 

$

 3,862 

$

 187 

$

 0 

$

 12,065 

Charge-offs

 

 (287)

 

 (256)

 

 0 

 

 (36)

 

 (174)

 

 0 

 

 (753)

Recoveries

 

 65 

 

 41 

 

 20 

 

 133 

 

 112 

 

 0 

 

 371 

Provision

 

 364 

 

 109 

 

 (693)

 

 (252)

 

 98 

 

 500 

 

 126 

ALL balance at June 30, 2015

$

 2,566 

$

 3,806 

$

 1,007 

$

 3,707 

$

 223 

$

 500 

$

 11,809 





 

 

 

 

 

 

 

 

 

 

 

 

 

 

(in thousands)

Commercial Real Estate

Acquisition and Development

Commercial and Industrial

Residential Mortgage

Consumer

 

Unallocated

Total

ALL balance at April 1, 2016

$

 3,300 

$

 3,747 

$

 758 

$

 3,759 

$

 192 

$

 500 

$

 12,256 

Charge-offs

 

 (1,798)

 

 (78)

 

 (206)

 

 (126)

 

 (56)

 

 0 

 

 (2,264)

Recoveries

 

 93 

 

 1,182 

 

 8 

 

 22 

 

 35 

 

 0 

 

 1,340 

Provision

 

 2,810 

 

 (1,733)

 

 177 

 

 68 

 

 24 

 

 0 

 

 1,346 

ALL balance at June 30, 2016

$

 4,405 

$

 3,118 

$

 737 

$

 3,723 

$

 195 

$

 500 

$

 12,678 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

ALL balance at April 1, 2015

$

 2,576 

$

 3,692 

$

 1,477 

$

 3,790 

$

 216 

$

 0 

$

 11,751 

Charge-offs

 

 0 

 

 (25)

 

 0 

 

 (73)

 

 (78)

 

 0 

 

 (176)

Recoveries

 

 62 

 

 26 

 

 13 

 

 28 

 

 53 

 

 0 

 

 182 

Provision

 

 (72)

 

 113 

 

 (483)

 

 (38)

 

 32 

 

 500 

 

 52 

ALL balance at June 30, 2015

$

 2,566 

$

 3,806 

$

 1,007 

$

 3,707 

$

 223 

$

 500 

$

 11,809 



Average of Impaired Loans and Related Interest Income by Loan Portfolio Class

The following tables present the average recorded investment in impaired loans by class and related interest income recognized for the periods indicated:







 

 

 

 

 

 

 

 

 

 

 

 



Six months ended

Six months ended



June 30, 2016

June 30, 2015

(in thousands)

Average investment

Interest income recognized on an accrual basis

Interest income recognized on a cash basis

Average investment

Interest income recognized on an accrual basis

Interest income recognized on a cash basis

  Commercial real estate

 

 

 

 

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 4,513 

$

 47 

$

 0 

$

 4,224 

$

 78 

$

 0 

     All other CRE

 

 12,692 

 

 80 

 

 4 

 

 7,533 

 

 55 

 

 8 

  Acquisition and development

 

 

 

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 661 

 

 15 

 

 0 

 

 760 

 

 18 

 

 0 

     All other A&D

 

 3,257 

 

 48 

 

 0 

 

 5,417 

 

 63 

 

 0 

  Commercial and industrial

 

 1,106 

 

 19 

 

 0 

 

 1,617 

 

 47 

 

 18 

  Residential mortgage

 

 

 

 

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 4,695 

 

 78 

 

 4 

 

 4,146 

 

 82 

 

 2 

     Residential mortgage – home equity

 

 324 

 

 0 

 

 0 

 

 373 

 

 0 

 

 2 

  Consumer

 

 0 

 

 0 

 

 0 

 

 7 

 

 0 

 

 0 

        Total

$

 27,248 

$

 287 

$

 8 

$

 24,077 

$

 343 

$

 30 







 

 

 

 

 

 

 

 

 

 

 

 



Three months ended

Three months ended



June 30, 2016

June 30, 2015

(in thousands)

Average investment

Interest income recognized on an accrual basis

Interest income recognized on a cash basis

Average investment

Interest income recognized on an accrual basis

Interest income recognized on a cash basis

  Commercial real estate

 

 

 

 

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 5,916 

$

 41 

$

 0 

$

 4,088 

$

 38 

$

 0 

     All other CRE

 

 12,568 

 

 43 

 

 4 

 

 7,574 

 

 28 

 

 7 

  Acquisition and development

 

 

 

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 641 

 

 7 

 

 0 

 

 746 

 

 9 

 

 0 

     All other A&D

 

 2,988 

 

 24 

 

 0 

 

 5,245 

 

 31 

 

 0 

  Commercial and industrial

 

 1,121 

 

 10 

 

 0 

 

 1,495 

 

 24 

 

 18 

  Residential mortgage

 

 

 

 

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 4,885 

 

 39 

 

 0 

 

 4,181 

 

 42 

 

 2 

     Residential mortgage – home equity

 

 348 

 

 0 

 

 0 

 

 388 

 

 0 

 

 2 

  Consumer

 

 0 

 

 0 

 

 0 

 

 7 

 

 0 

 

 0 

        Total

$

 28,467 

$

 164 

$

 4 

$

 23,724 

$

 172 

$

 29 



Modification of Troubled Debt Restructuring by Class



The following tables present the volume and recorded investment at the time of modification of TDRs by class and type of modification that occurred during the periods indicated:







 

 

 

 

 

 

 

 

 



Temporary Rate Modification

Extension of Maturity

Modification of Payment and Other Terms

(in thousands)

Number of Contracts

Recorded Investment

Number of Contracts

Recorded Investment

Number of Contracts

Recorded Investment

Six months ended June 30, 2016

 

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

 

     Non owner-occupied

 0 

$

 0  0 

$

 0  0 

$

 0 

     All other CRE

 0 

 

 0  1 

 

 203  0 

 

 0 

  Acquisition and development

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 0 

 

 0  0 

 

 0  0 

 

 0 

     All other A&D

 0 

 

 0  0 

 

 0  0 

 

 0 

  Commercial and industrial

 0 

 

 0  0 

 

 0  1 

 

 486 

  Residential mortgage

 

 

 

 

 

 

 

 

 

     Residential mortgage – term

 1 

 

 54  0 

 

 0  1 

 

 72 

     Residential mortgage – home equity

 0 

 

 0  0 

 

 0  0 

 

 0 

  Consumer

 0 

 

 0  0 

 

 0  0 

 

 0 

        Total

1 

$

 54  1 

$

 203  2 

$

 558 









 

 

 

 

 

 

 

 

 



Temporary Rate Modification

Extension of Maturity

Modification of Payment and Other Terms

(in thousands)

Number of Contracts

Recorded Investment

Number of Contracts

Recorded Investment

Number of Contracts

Recorded Investment

Three months ended June 30, 2016

 

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

 

     Non owner-occupied

 0 

$

 0  0 

$

 0  0 

$

 0 

     All other CRE

 0 

 

 0  0 

 

 0  0 

 

 0 

  Acquisition and development

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 0 

 

 0  0 

 

 0  0 

 

 0 

     All other A&D

 0 

 

 0  0 

 

 0  0 

 

 0 

  Commercial and industrial

 0 

 

 0  0 

 

 0  0 

 

 0 

  Residential mortgage

 

 

 

 

 

 

 

 

 

     Residential mortgage – term

 1 

 

 54  0 

 

 0  0 

 

 0 

     Residential mortgage – home equity

 0 

 

 0  0 

 

 0  0 

 

 0 

  Consumer

 0 

 

 0  0 

 

 0  0 

 

 0 

        Total

1 

$

 54  0 

$

 0  0 

$

 0 



During the six months ended June 30, 2016, there were three new TDRs.  In addition, one existing TDR which had reached its original modification maturity was re-modified.  A $2,873 reduction of the ALL resulted from a change to the impairment evaluation of three loans, from being evaluated collectively to being evaluated individually.  During the six months ended June 30, 2016, there were no payment defaults.





During the three months ended June 30, 2016, there was one new TDR. A $486 reduction of the ALL resulted from a change to the impairment evaluation of the loan, from being evaluated collectively to being evaluated individually. During the three months ended June 30, 2016, there were no payment defaults.





 

 

 

 

 

 

 

 

 



Temporary Rate Modification

Extension of Maturity

Modification of Payment and Other Terms

(in thousands)

Number of Contracts

Recorded Investment

Number of Contracts

 

Recorded Investment

Number of Contracts

Recorded Investment

Six Months Ended June 30, 2015

 

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

 

     Non owner-occupied

 0 

$

 0  1 

$

 3,097  1 

$

 136 

     All other CRE

 0 

 

 0  1 

 

 237  5 

 

 3,847 

  Acquisition and development

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 0 

 

 0  0 

 

 0  0 

 

 0 

     All other A&D

 0 

 

 0  3 

 

 372  0 

 

 0 

  Commercial and industrial

 0 

 

 0  1 

 

 930  0 

 

 0 

  Residential mortgage

 

 

 

 

 

 

 

 

 

     Residential mortgage – term

 0 

 

 0  2 

 

 599  1 

 

 116 

     Residential mortgage – home equity

 0 

 

 0  0 

 

 0  0 

 

 0 

  Consumer

 0 

 

 0  0 

 

 0  0 

 

 0 

        Total

0 

$

 0  8 

$

 5,235  7 

$

 4,099 























 

 

 

 

 

 

 

 

 



Temporary Rate

 

Modification of Payment



Modification

Extension of Maturity

and Other Terms



Number of

Recorded

Number of

Recorded

Number of

Recorded

(in thousands)

Contracts

Investment

Contracts

Investment

Contracts

Investment

Three Months Ended June 30, 2015

 

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

 

     Non owner-occupied

 0 

$

 0  0 

$

 0  0 

$

 0 

     All other CRE

 0 

 

 0  1 

 

 237  0 

 

 0 

  Acquisition and development

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 0 

 

 0  0 

 

 0  0 

 

 0 

     All other A&D

 0 

 

 0  0 

 

 0  0 

 

 0 

  Commercial and industrial

 0 

 

 0  1 

 

 930  0 

 

 0 

  Residential mortgage

 

 

 

 

 

 

 

 

 

     Residential mortgage – term

 0 

 

 0  0 

 

 0  0 

 

 0 

     Residential mortgage – home equity

 0 

 

 0  0 

 

 0  0 

 

 0 

  Consumer

 0 

 

 0  0 

 

 0  0 

 

 0 

        Total

0 

$

 0  2 

$

 1,167  0 

$

 0