XML 48 R38.htm IDEA: XBRL DOCUMENT v3.7.0.1
Loans and Related Allowance for Loan Losses (Tables)
 6 Months Ended
Jun. 30, 2017
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, 2017 and December 31, 2016:



 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

(in thousands)

Commercial Real Estate

Acquisition and Development

Commercial and Industrial

Residential Mortgage

Consumer

Total

June 30, 2017

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

   Individually evaluated for impairment

$

 12,713 

$

 2,380 

$

 290 

$

 3,959 

$

 0 

$

 19,342 

   Collectively evaluated for impairment

$

 270,861 

$

 109,298 

$

 73,401 

$

 399,239 

$

 23,814 

$

 876,613 

Total loans

$

 283,574 

$

 111,678 

$

 73,691 

$

 403,198 

$

 23,814 

$

 895,955 



 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2016

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

   Individually evaluated for impairment

$

 17,210 

$

 2,525 

$

 290 

$

 3,975 

$

 0 

$

 24,000 

   Collectively evaluated for impairment

$

 280,749 

$

 101,757 

$

 72,056 

$

 389,441 

$

 23,923 

$

 867,926 

Total loans

$

 297,959 

$

 104,282 

$

 72,346 

$

 393,416 

$

 23,923 

$

 891,926 



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, 2017 and December 31, 2016:



 

 

 

 

 

 

 

 

(in thousands)

Pass

Special Mention

Substandard

Total

June 30, 2017

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 134,768 

$

 9,050 

$

 9,204 

$

 153,022 

     All other CRE

 

 115,692 

 

 3,779 

 

 11,081 

 

 130,552 

  Acquisition and development

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 16,309 

 

 0 

 

 0 

 

 16,309 

     All other A&D

 

 94,128 

 

 59 

 

 1,182 

 

 95,369 

  Commercial and industrial

 

 72,190 

 

 42 

 

 1,459 

 

 73,691 

  Residential mortgage

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 320,448 

 

 0 

 

 7,261 

 

 327,709 

     Residential mortgage - home equity

 

 73,713 

 

 0 

 

 1,776 

 

 75,489 

  Consumer

 

 23,703 

 

 0 

 

 111 

 

 23,814 

        Total

$

 850,951 

$

 12,930 

$

 32,074 

$

 895,955 



 

 

 

 

 

 

 

 

December 31, 2016

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 137,181 

$

 10,620 

$

 9,357 

$

 157,158 

     All other CRE

 

 125,720 

 

 3,121 

 

 11,960 

 

 140,801 

  Acquisition and development

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 15,845 

 

 0 

 

 0 

 

 15,845 

     All other A&D

 

 87,135 

 

 65 

 

 1,237 

 

 88,437 

  Commercial and industrial

 

 70,613 

 

 593 

 

 1,140 

 

 72,346 

  Residential mortgage

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 308,734 

 

 113 

 

 7,618 

 

 316,465 

     Residential mortgage - home equity

 

 75,710 

 

 0 

 

 1,241 

 

 76,951 

  Consumer

 

 23,794 

 

 0 

 

 129 

 

 23,923 

        Total

$

 844,732 

$

 14,512 

$

 32,682 

$

 891,926 



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, 2017 and December 31, 2016:



 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

(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, 2017

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 146,350 

$

 1,601 

$

 71 

$

 0 

$

 1,672 

$

 5,000 

$

 153,022 

     All other CRE

 

 127,764 

 

 0 

 

 0 

 

 0 

 

 0 

 

 2,788 

 

 130,552 

  Acquisition and development

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 16,309 

 

 0 

 

 0 

 

 0 

 

 0 

 

 0 

 

 16,309 

     All other A&D

 

 95,173 

 

 0 

 

 65 

 

 91 

 

 156 

 

 40 

 

 95,369 

  Commercial and industrial

 

 73,682 

 

 0 

 

 1 

 

 8 

 

 9 

 

 0 

 

 73,691 

  Residential mortgage

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 323,351 

 

 271 

 

 2,104 

 

 581 

 

 2,956 

 

 1,402 

 

 327,709 

     Residential mortgage - home equity

 

 74,167 

 

 429 

 

 135 

 

 516 

 

 1,080 

 

 242 

 

 75,489 

  Consumer

 

 23,634 

 

 104 

 

 56 

 

 20 

 

 180 

 

 0 

 

 23,814 

        Total

$

 880,430 

$

 2,405 

$

 2,432 

$

 1,216 

$

 6,053 

$

 9,472 

$

 895,955 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2016

 

 

 

 

 

 

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 150,595 

$

 182 

$

 0 

$

 0 

$

 182 

$

 6,381 

$

 157,158 

     All other CRE

 

 134,931 

 

 40 

 

 0 

 

 0 

 

 40 

 

 5,830 

 

 140,801 

  Acquisition and development

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 15,845 

 

 0 

 

 0 

 

 0 

 

 0 

 

 0 

 

 15,845 

     All other A&D

 

 88,353 

 

 0 

 

 39 

 

 0 

 

 39 

 

 45 

 

 88,437 

  Commercial and industrial

 

 72,324 

 

 9 

 

 2 

 

 11 

 

 22 

 

 0 

 

 72,346 

  Residential mortgage

 

 

 

 

 

 

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 310,721 

 

 517 

 

 3,376 

 

 312 

 

 4,205 

 

 1,539 

 

 316,465 

     Residential mortgage - home equity

 

 75,558 

 

 974 

 

 198 

 

 70 

 

 1,242 

 

 151 

 

 76,951 

  Consumer

 

 23,662 

 

 186 

 

 48 

 

 27 

 

 261 

 

 0 

 

 23,923 

        Total

$

 871,989 

$

 1,908 

$

 3,663 

$

 420 

$

 5,991 

$

 13,946 

$

 891,926 



Primary Segments of the Allowance for Loan Loss

The following table summarizes the primary segments of the ALL at June 30, 2017 and December 31, 2016, 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, 2017

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

   Individually evaluated for impairment

$

 187 

$

 36 

$

 0 

$

 86 

$

 0 

$

 0 

$

 309 

   Collectively evaluated for impairment

$

 3,462 

$

 1,164 

$

 836 

$

 3,459 

$

 192 

$

 500 

$

 9,613 

Total ALL

$

 3,649 

$

 1,200 

$

 836 

$

 3,545 

$

 192 

$

 500 

$

 9,922 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

December 31, 2016

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

   Individually evaluated for impairment

$

 177 

$

 40 

$

 0 

$

 43 

$

 0 

$

 0 

$

 260 

   Collectively evaluated for impairment

$

 3,736 

$

 831 

$

 858 

$

 3,545 

$

 188 

$

 500 

$

 9,658 

Total ALL

$

 3,913 

$

 871 

$

 858 

$

 3,588 

$

 188 

$

 500 

$

 9,918 



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, 2017 and December 31, 2016:



 

 

 

 

 

 

 

 

 

 



 

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, 2017

 

 

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 129 

$

 20 

$

 5,249 

$

 5,378 

$

 10,531 

     All other CRE

 

 432 

 

 167 

 

 6,903 

 

 7,335 

 

 7,948 

  Acquisition and development

 

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 0 

 

 0 

 

 582 

 

 582 

 

 582 

     All other A&D

 

 242 

 

 36 

 

 1,556 

 

 1,798 

 

 2,072 

  Commercial and industrial

 

 0 

 

 0 

 

 290 

 

 290 

 

 2,504 

  Residential mortgage

 

 

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 769 

 

 81 

 

 2,948 

 

 3,717 

 

 4,028 

     Residential mortgage – home equity

 

 68 

 

 5 

 

 174 

 

 242 

 

 242 

  Consumer

 

 0 

 

 0 

 

 0 

 

 0 

 

 0 

        Total impaired loans

$

 1,640 

$

 309 

$

 17,702 

$

 19,342 

$

 27,907 



 

 

 

 

 

 

 

 

 

 

December 31, 2016

 

 

 

 

 

 

 

 

 

 

  Commercial real estate

 

 

 

 

 

 

 

 

 

 

     Non owner-occupied

$

 131 

$

 23 

$

 6,635 

$

 6,766 

$

 9,372 

     All other CRE

 

 432 

 

 154 

 

 10,012 

 

 10,444 

 

 11,057 

  Acquisition and development

 

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 0 

 

 0 

 

 582 

 

 582 

 

 628 

     All other A&D

 

 245 

 

 40 

 

 1,698 

 

 1,943 

 

 2,213 

  Commercial and industrial

 

 0 

 

 0 

 

 290 

 

 290 

 

 2,504 

  Residential mortgage

 

 

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 61 

 

 43 

 

 3,763 

 

 3,824 

 

 4,249 

     Residential mortgage – home equity

 

 0 

 

 0 

 

 151 

 

 151 

 

 168 

  Consumer

 

 0 

 

 0 

 

 0 

 

 0 

 

 0 

        Total impaired loans

$

 869 

$

 260 

$

 23,131 

$

 24,000 

$

 30,191 



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, 2017 and 2016:





 

 

 

 

 

 

 

 

 

 

 

 

 

 

(in thousands)

Commercial Real Estate

Acquisition and Development

Commercial and Industrial

Residential Mortgage

Consumer

 

Unallocated

Total

ALL balance at January 1, 2017

$

 3,913 

$

 871 

$

 858 

$

 3,588 

$

 188 

$

 500 

$

 9,918 

Charge-offs

 

 (2,745)

 

 (18)

 

 (33)

 

 (236)

 

 (143)

 

 0 

 

 (3,175)

Recoveries

 

 63 

 

 188 

 

 1,651 

 

 253 

 

 116 

 

 0 

 

 2,271 

Provision

 

 2,418 

 

 159 

 

 (1,640)

 

 (60)

 

 31 

 

 0 

 

 908 

ALL balance at June 30, 2017

$

 3,649 

$

 1,200 

$

 836 

$

 3,545 

$

 192 

$

 500 

$

 9,922 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

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 







 

 

 

 

 

 

 

 

 

 

 

 

 

 

(in thousands)

Commercial Real Estate

Acquisition and Development

Commercial and Industrial

Residential Mortgage

Consumer

 

Unallocated

Total

ALL balance at April 1, 2017

$

 5,567 

$

 883 

$

 936 

$

 3,502 

$

 195 

$

 500 

$

 11,583 

Charge-offs

 

 (2,316)

 

 0 

 

 0 

 

 (88)

 

 (59)

 

 0 

 

 (2,463)

Recoveries

 

 58 

 

 177 

 

 196 

 

 33 

 

 39 

 

 0 

 

 503 

Provision

 

 340 

 

 140 

 

 (296)

 

 98 

 

 17 

 

 0 

 

 299 

ALL balance at June 30, 2017

$

 3,649 

$

 1,200 

$

 836 

$

 3,545 

$

 192 

$

 500 

$

 9,922 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

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 



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

The following table presents 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, 2017

June 30, 2016

(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

$

 6,037 

$

 12 

$

 0 

$

 4,513 

$

 47 

$

 0 

     All other CRE

 

 8,658 

 

 105 

 

 0 

 

 12,692 

 

 80 

 

 4 

  Acquisition and development

 

 

 

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 582 

 

 12 

 

 0 

 

 661 

 

 15 

 

 0 

     All other A&D

 

 1,860 

 

 45 

 

 0 

 

 3,257 

 

 48 

 

 0 

  Commercial and industrial

 

 290 

 

 6 

 

 0 

 

 1,106 

 

 19 

 

 0 

  Residential mortgage

 

 

 

 

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 3,918 

 

 66 

 

 7 

 

 4,695 

 

 78 

 

 4 

     Residential mortgage – home equity

 

 230 

 

 0 

 

 0 

 

 324 

 

 0 

 

 0 

  Consumer

 

 0 

 

 0 

 

 0 

 

 0 

 

 0 

 

 0 

        Total

$

 21,575 

$

 246 

$

 7 

$

 27,248 

$

 287 

$

 8 







 

 

 

 

 

 

 

 

 

 

 

 



Three months ended

Three months ended



June 30, 2017

June 30, 2016

(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

$

 5,672 

$

 6 

$

 0 

$

 5,916 

$

 41 

$

 0 

     All other CRE

 

 7,766 

 

 52 

 

 0 

 

 12,568 

 

 43 

 

 4 

  Acquisition and development

 

 

 

 

 

 

 

 

 

 

 

 

     1-4 family residential construction

 

 582 

 

 6 

 

 0 

 

 641 

 

 7 

 

 0 

     All other A&D

 

 1,818 

 

 22 

 

 0 

 

 2,988 

 

 24 

 

 0 

  Commercial and industrial

 

 290 

 

 3 

 

 0 

 

 1,121 

 

 10 

 

 0 

  Residential mortgage

 

 

 

 

 

 

 

 

 

 

 

 

     Residential mortgage - term

 

 3,860 

 

 33 

 

 7 

 

 4,885 

 

 39 

 

 0 

     Residential mortgage – home equity

 

 269 

 

 0 

 

 0 

 

 348 

 

 0 

 

 0 

  Consumer

 

 0 

 

 0 

 

 0 

 

 0 

 

 0 

 

 0 

        Total

$

 20,257 

$

 122 

$

 7 

$

 28,467 

$

 164 

$

 4 



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, 2017

 

 

 

 

 

 

 

 

 

  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  1 

 

 244  0 

 

 0 

  Commercial and industrial

 0 

 

 0  0 

 

 0  0 

 

 0 

  Residential mortgage

 

 

 

 

 

 

 

 

 

     Residential mortgage – term

 0 

 

 0  1 

 

 259  0 

 

 0 

     Residential mortgage – home equity

 0 

 

 0  0 

 

 0  0 

 

 0 

  Consumer

 0 

 

 0  0 

 

 0  0 

 

 0 

        Total

0 

$

 0  2 

$

 503  0 

$

 0 











 

 

 

 

 

 

 

 

 



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, 2017

 

 

 

 

 

 

 

 

 

  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

 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  0 

$

 0  0 

$

 0 



During the six months ended June 30, 2017, there were no new TDRs, but two existing TDRs that had reached their original modification maturity were re-modified.  These re-modifications did not impact the ALL.  During the six months ended June 30, 2017, there were no payment defaults.





During the three months ended June 30, 2017, there were no new TDRs.  In addition, no existing TDR that had reached its original modification maturity was re-modified.  During the three months ended June 30, 2017, 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, 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 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, 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