Annual report pursuant to Section 13 and 15(d)

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)

v3.6.0.2
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)
 12 Months Ended
Dec. 31, 2016
Accounting Policies [Abstract]  
Schedule of Environmental Factors
The following table shows the types of environmental factors management considers:
ENVIRONMENTAL FACTORS
Portfolio
 
National / International
 
Local
Experience and ability of lending team
 
Interest rates
 
Level of economic activity
Compare ratio consideration
 
Inflation
 
Unemployment
Pace of loan growth
 
Unemployment
 
Competition
Footprint and expansion
 
Gross domestic product
 
Military/government impact
Execution of loan risk rating process
 
General market risk and other concerns
 
 
Degree of oversight
 
Legislative and regulatory environment
 
 
Underwriting standards
 
International uncertainty
 
 
Delinquency levels in portfolio
 
Home Price Index
 
 
Charge-off levels in portfolio
 
Commercial Real Estate Price Index
 
 
Credit concentrations / nature and volume of the portfolio