|
LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
|
3 Months Ended |
|
Mar. 31, 2015
|
| LOANS AND ALLOWANCE FOR LOAN LOSSES [Abstract] |
|
| Loans Stated at Face Amount, Net of Unearned Income |
Loans are stated at their face amount, net of deferred fees and costs, and consist of the following at March 31, 2015 and December 31, 2014 (dollars in thousands):
|
|
|
|
|
|
|
|
|
March 31,
|
|
December 31,
|
|
|
2015
|
|
2014
|
|
Commercial:
|
|
|
|
|
|
|
Commercial Construction
|
$
|
358,436
|
|
$
|
341,280
|
|
Commercial Real Estate - Owner Occupied
|
|
898,222
|
|
|
875,443
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
1,518,590
|
|
|
1,509,159
|
|
Raw Land and Lots
|
|
197,759
|
|
|
211,225
|
|
Single Family Investment Real Estate
|
|
416,984
|
|
|
412,494
|
|
Commercial and Industrial
|
|
426,490
|
|
|
393,776
|
|
Other Commercial
|
|
80,416
|
|
|
81,106
|
|
Consumer:
|
|
|
|
|
|
|
Mortgage
|
|
466,804
|
|
|
478,151
|
|
Consumer Construction
|
|
65,898
|
|
|
74,168
|
|
Indirect Auto
|
|
203,369
|
|
|
199,411
|
|
Indirect Marine
|
|
43,643
|
|
|
43,190
|
|
HELOCs
|
|
491,116
|
|
|
500,579
|
|
Credit Card
|
|
24,691
|
|
|
24,225
|
|
Other Consumer
|
|
195,337
|
|
|
201,789
|
|
Total
|
$
|
5,387,755
|
|
$
|
5,345,996
|
|
| Summary of Aging of the Loan Portfolio by Class |
The following table shows the aging of the Company’s loan portfolio, by class, at March 31, 2015 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
30-59 Days Past Due
|
|
60-89 Days Past Due
|
|
Greater Than 90 Days and still Accruing
|
|
PCI
|
|
Nonaccrual
|
|
Current
|
|
Total Loans
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
$
|
374
|
|
$
|
-
|
|
$
|
-
|
|
$
|
3,090
|
|
$
|
1,953
|
|
$
|
353,019
|
|
$
|
358,436
|
|
Commercial Real Estate - Owner Occupied
|
|
1,606
|
|
|
174
|
|
|
1,357
|
|
|
31,004
|
|
|
4,954
|
|
|
859,127
|
|
|
898,222
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
1,344
|
|
|
656
|
|
|
328
|
|
|
19,575
|
|
|
2,655
|
|
|
1,494,032
|
|
|
1,518,590
|
|
Raw Land and Lots
|
|
235
|
|
|
58
|
|
|
109
|
|
|
6,055
|
|
|
1,059
|
|
|
190,243
|
|
|
197,759
|
|
Single Family Investment Real Estate
|
|
1,206
|
|
|
158
|
|
|
251
|
|
|
16,299
|
|
|
1,302
|
|
|
397,768
|
|
|
416,984
|
|
Commercial and Industrial
|
|
1,453
|
|
|
271
|
|
|
468
|
|
|
3,338
|
|
|
2,540
|
|
|
418,420
|
|
|
426,490
|
|
Other Commercial
|
|
281
|
|
|
71
|
|
|
65
|
|
|
1,794
|
|
|
69
|
|
|
78,136
|
|
|
80,416
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
|
13,710
|
|
|
1,862
|
|
|
3,313
|
|
|
6,381
|
|
|
2,397
|
|
|
439,141
|
|
|
466,804
|
|
Consumer Construction
|
|
717
|
|
|
700
|
|
|
469
|
|
|
504
|
|
|
-
|
|
|
63,508
|
|
|
65,898
|
|
Indirect Auto
|
|
1,345
|
|
|
181
|
|
|
272
|
|
|
-
|
|
|
-
|
|
|
201,571
|
|
|
203,369
|
|
Indirect Marine
|
|
52
|
|
|
-
|
|
|
-
|
|
|
-
|
|
|
48
|
|
|
43,543
|
|
|
43,643
|
|
HELOCs
|
|
3,014
|
|
|
1,119
|
|
|
685
|
|
|
1,889
|
|
|
205
|
|
|
484,204
|
|
|
491,116
|
|
Credit Card
|
|
114
|
|
|
64
|
|
|
265
|
|
|
-
|
|
|
-
|
|
|
24,248
|
|
|
24,691
|
|
Other Consumer
|
|
2,138
|
|
|
1,907
|
|
|
350
|
|
|
1,417
|
|
|
203
|
|
|
189,322
|
|
|
195,337
|
|
Total
|
$
|
27,589
|
|
$
|
7,221
|
|
$
|
7,932
|
|
$
|
91,346
|
|
$
|
17,385
|
|
$
|
5,236,282
|
|
$
|
5,387,755
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
The following table shows the aging of the Company’s loan portfolio, by class, at December 31, 2014 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
30-59 Days Past Due
|
|
60-89 Days Past Due
|
|
Greater Than 90 Days and still Accruing
|
|
PCI
|
|
Nonaccrual
|
|
Current
|
|
Total Loans
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
$
|
815
|
|
$
|
-
|
|
$
|
-
|
|
$
|
3,782
|
|
$
|
968
|
|
$
|
335,715
|
|
$
|
341,280
|
|
Commercial Real Estate - Owner Occupied
|
|
621
|
|
|
1,542
|
|
|
1,683
|
|
|
31,167
|
|
|
1,060
|
|
|
839,370
|
|
|
875,443
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
3,984
|
|
|
237
|
|
|
91
|
|
|
28,869
|
|
|
5,902
|
|
|
1,470,076
|
|
|
1,509,159
|
|
Raw Land and Lots
|
|
145
|
|
|
44
|
|
|
194
|
|
|
7,427
|
|
|
2,359
|
|
|
201,056
|
|
|
211,225
|
|
Single Family Investment Real Estate
|
|
2,825
|
|
|
338
|
|
|
734
|
|
|
16,879
|
|
|
2,070
|
|
|
389,648
|
|
|
412,494
|
|
Commercial and Industrial
|
|
1,250
|
|
|
529
|
|
|
549
|
|
|
3,855
|
|
|
3,286
|
|
|
384,307
|
|
|
393,776
|
|
Other Commercial
|
|
42
|
|
|
2
|
|
|
-
|
|
|
2,256
|
|
|
74
|
|
|
78,732
|
|
|
81,106
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
|
12,851
|
|
|
4,300
|
|
|
4,095
|
|
|
7,394
|
|
|
2,485
|
|
|
447,026
|
|
|
478,151
|
|
Consumer Construction
|
|
120
|
|
|
-
|
|
|
844
|
|
|
516
|
|
|
-
|
|
|
72,688
|
|
|
74,168
|
|
Indirect Auto
|
|
1,593
|
|
|
263
|
|
|
317
|
|
|
-
|
|
|
-
|
|
|
197,238
|
|
|
199,411
|
|
Indirect Marine
|
|
150
|
|
|
-
|
|
|
-
|
|
|
-
|
|
|
201
|
|
|
42,839
|
|
|
43,190
|
|
HELOCs
|
|
3,082
|
|
|
955
|
|
|
820
|
|
|
2,000
|
|
|
258
|
|
|
493,464
|
|
|
500,579
|
|
Credit Card
|
|
232
|
|
|
108
|
|
|
219
|
|
|
-
|
|
|
-
|
|
|
23,666
|
|
|
24,225
|
|
Other Consumer
|
|
1,587
|
|
|
412
|
|
|
501
|
|
|
1,643
|
|
|
592
|
|
|
197,054
|
|
|
201,789
|
|
Total
|
$
|
29,297
|
|
$
|
8,730
|
|
$
|
10,047
|
|
$
|
105,788
|
|
$
|
19,255
|
|
$
|
5,172,879
|
|
$
|
5,345,996
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Purchased Impaired Commercial and Consumer Loan Portfolios by Class |
The following table shows the PCI commercial and consumer loan portfolios, by class and their delinquency status, at March 31, 2015 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
30-89 Days Past Due
|
|
Greater than 90 Days
|
|
Current
|
|
Total
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
$
|
-
|
|
$
|
599
|
|
$
|
2,491
|
|
$
|
3,090
|
|
Commercial Real Estate - Owner Occupied
|
|
1,357
|
|
|
1,966
|
|
|
27,681
|
|
|
31,004
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
747
|
|
|
321
|
|
|
18,507
|
|
|
19,575
|
|
Raw Land and Lots
|
|
155
|
|
|
259
|
|
|
5,641
|
|
|
6,055
|
|
Single Family Investment Real Estate
|
|
1,721
|
|
|
697
|
|
|
13,881
|
|
|
16,299
|
|
Commercial and Industrial
|
|
214
|
|
|
174
|
|
|
2,950
|
|
|
3,338
|
|
Other Commercial
|
|
66
|
|
|
803
|
|
|
925
|
|
|
1,794
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
|
1,123
|
|
|
2,574
|
|
|
2,684
|
|
|
6,381
|
|
Consumer Construction
|
|
-
|
|
|
504
|
|
|
-
|
|
|
504
|
|
HELOCs
|
|
146
|
|
|
527
|
|
|
1,216
|
|
|
1,889
|
|
Other Consumer
|
|
87
|
|
|
37
|
|
|
1,293
|
|
|
1,417
|
|
Total
|
$
|
5,616
|
|
$
|
8,461
|
|
$
|
77,269
|
|
$
|
91,346
|
|
|
|
|
|
|
|
|
|
|
|
|
|
The following table shows the PCI commercial and consumer loan portfolios, by class and their delinquency status, at December 31, 2014 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
30-89 Days Past Due
|
|
Greater than 90 Days
|
|
Current
|
|
Total
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
$
|
-
|
|
$
|
652
|
|
$
|
3,130
|
|
$
|
3,782
|
|
Commercial Real Estate - Owner Occupied
|
|
1,138
|
|
|
843
|
|
|
29,186
|
|
|
31,167
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
523
|
|
|
1,255
|
|
|
27,091
|
|
|
28,869
|
|
Raw Land and Lots
|
|
522
|
|
|
-
|
|
|
6,905
|
|
|
7,427
|
|
Single Family Investment Real Estate
|
|
1,327
|
|
|
1,311
|
|
|
14,241
|
|
|
16,879
|
|
Commercial and Industrial
|
|
144
|
|
|
538
|
|
|
3,173
|
|
|
3,855
|
|
Other Commercial
|
|
107
|
|
|
1,133
|
|
|
1,016
|
|
|
2,256
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
|
1,975
|
|
|
2,866
|
|
|
2,553
|
|
|
7,394
|
|
Consumer Construction
|
|
-
|
|
|
516
|
|
|
-
|
|
|
516
|
|
HELOCs
|
|
356
|
|
|
728
|
|
|
916
|
|
|
2,000
|
|
Other Consumer
|
|
89
|
|
|
171
|
|
|
1,383
|
|
|
1,643
|
|
Total
|
$
|
6,181
|
|
$
|
10,013
|
|
$
|
89,594
|
|
$
|
105,788
|
|
| Impaired Loans by Class |
The following table shows the Company’s impaired loans, excluding PCI loans related to the StellarOne acquisition, by class at March 31, 2015 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Recorded Investment
|
|
Unpaid Principal Balance
|
|
Related Allowance
|
|
YTD Average Investment
|
|
Interest Income Recognized
|
|
Loans without a specific allowance
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
$
|
6,242
|
|
$
|
6,517
|
|
$
|
-
|
|
$
|
6,320
|
|
$
|
52
|
|
Commercial Real Estate - Owner Occupied
|
|
17,435
|
|
|
17,590
|
|
|
-
|
|
|
16,580
|
|
|
199
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
13,488
|
|
|
15,638
|
|
|
-
|
|
|
16,086
|
|
|
124
|
|
Raw Land and Lots
|
|
41,245
|
|
|
41,513
|
|
|
-
|
|
|
41,561
|
|
|
490
|
|
Single Family Investment Real Estate
|
|
3,874
|
|
|
4,574
|
|
|
-
|
|
|
4,271
|
|
|
36
|
|
Commercial and Industrial
|
|
2,889
|
|
|
3,427
|
|
|
-
|
|
|
3,204
|
|
|
26
|
|
Other Commercial
|
|
949
|
|
|
955
|
|
|
-
|
|
|
957
|
|
|
14
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
|
3,234
|
|
|
3,342
|
|
|
-
|
|
|
3,312
|
|
|
15
|
|
Indirect Auto
|
|
-
|
|
|
6
|
|
|
-
|
|
|
3
|
|
|
-
|
|
HELOCs
|
|
465
|
|
|
598
|
|
|
-
|
|
|
543
|
|
|
1
|
|
Other Consumer
|
|
86
|
|
|
206
|
|
|
-
|
|
|
153
|
|
|
-
|
|
Total impaired loans without a specific allowance
|
$
|
89,907
|
|
$
|
94,366
|
|
$
|
-
|
|
$
|
92,990
|
|
$
|
957
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans with a specific allowance
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
$
|
40
|
|
$
|
40
|
|
$
|
4
|
|
$
|
37
|
|
$
|
-
|
|
Commercial Real Estate - Owner Occupied
|
|
7,142
|
|
|
7,257
|
|
|
526
|
|
|
7,177
|
|
|
67
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
6,284
|
|
|
6,284
|
|
|
146
|
|
|
7,408
|
|
|
96
|
|
Raw Land and Lots
|
|
628
|
|
|
628
|
|
|
11
|
|
|
700
|
|
|
8
|
|
Single Family Investment Real Estate
|
|
3,537
|
|
|
3,562
|
|
|
281
|
|
|
3,552
|
|
|
38
|
|
Commercial and Industrial
|
|
4,340
|
|
|
7,610
|
|
|
459
|
|
|
4,443
|
|
|
37
|
|
Other Commercial
|
|
336
|
|
|
356
|
|
|
31
|
|
|
348
|
|
|
5
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
|
1,390
|
|
|
1,428
|
|
|
105
|
|
|
1,398
|
|
|
3
|
|
Consumer Construction
|
|
378
|
|
|
378
|
|
|
35
|
|
|
378
|
|
|
5
|
|
Indirect Marine
|
|
48
|
|
|
149
|
|
|
4
|
|
|
59
|
|
|
-
|
|
HELOCs
|
|
436
|
|
|
436
|
|
|
4
|
|
|
436
|
|
|
4
|
|
Other Consumer
|
|
290
|
|
|
409
|
|
|
98
|
|
|
390
|
|
|
1
|
|
Total impaired loans with a specific allowance
|
$
|
24,849
|
|
$
|
28,537
|
|
$
|
1,704
|
|
$
|
26,326
|
|
$
|
264
|
|
Total impaired loans
|
$
|
114,756
|
|
$
|
122,903
|
|
$
|
1,704
|
|
$
|
119,316
|
|
$
|
1,221
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
The following table shows the Company’s impaired loans, by class, at December 31, 2014 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Recorded Investment
|
|
Unpaid Principal Balance
|
|
Related Allowance
|
|
YTD Average Investment
|
|
Interest Income Recognized
|
|
Loans without a specific allowance
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
$
|
5,281
|
|
$
|
5,367
|
|
$
|
-
|
|
$
|
5,755
|
|
$
|
165
|
|
Commercial Real Estate - Owner Occupied
|
|
15,722
|
|
|
16,430
|
|
|
-
|
|
|
16,774
|
|
|
737
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
22,917
|
|
|
22,917
|
|
|
-
|
|
|
23,209
|
|
|
1,116
|
|
Raw Land and Lots
|
|
44,790
|
|
|
47,662
|
|
|
-
|
|
|
47,988
|
|
|
2,124
|
|
Single Family Investment Real Estate
|
|
4,197
|
|
|
4,881
|
|
|
-
|
|
|
6,534
|
|
|
170
|
|
Commercial and Industrial
|
|
4,453
|
|
|
7,933
|
|
|
-
|
|
|
5,070
|
|
|
121
|
|
Other Commercial
|
|
1,536
|
|
|
1,538
|
|
|
-
|
|
|
1,624
|
|
|
90
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
|
1,571
|
|
|
1,582
|
|
|
-
|
|
|
1,583
|
|
|
58
|
|
Indirect Auto
|
|
-
|
|
|
6
|
|
|
-
|
|
|
4
|
|
|
-
|
|
Indirect Marine
|
|
201
|
|
|
505
|
|
|
-
|
|
|
281
|
|
|
-
|
|
HELOCs
|
|
559
|
|
|
699
|
|
|
-
|
|
|
573
|
|
|
8
|
|
Other Consumer
|
|
89
|
|
|
208
|
|
|
-
|
|
|
107
|
|
|
-
|
|
Total impaired loans without a specific allowance
|
$
|
101,316
|
|
$
|
109,728
|
|
$
|
-
|
|
$
|
109,502
|
|
$
|
4,589
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans with a specific allowance
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
$
|
570
|
|
$
|
570
|
|
$
|
51
|
|
$
|
506
|
|
$
|
13
|
|
Commercial Real Estate - Owner Occupied
|
|
5,951
|
|
|
5,999
|
|
|
355
|
|
|
5,946
|
|
|
280
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
10,575
|
|
|
10,572
|
|
|
2,017
|
|
|
10,823
|
|
|
474
|
|
Raw Land and Lots
|
|
1,343
|
|
|
1,373
|
|
|
98
|
|
|
1,472
|
|
|
59
|
|
Single Family Investment Real Estate
|
|
4,125
|
|
|
4,144
|
|
|
562
|
|
|
4,293
|
|
|
159
|
|
Commercial and Industrial
|
|
2,938
|
|
|
3,009
|
|
|
582
|
|
|
3,125
|
|
|
138
|
|
Other Commercial
|
|
359
|
|
|
378
|
|
|
32
|
|
|
442
|
|
|
29
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
|
3,323
|
|
|
3,375
|
|
|
481
|
|
|
3,381
|
|
|
60
|
|
Consumer Construction
|
|
375
|
|
|
375
|
|
|
34
|
|
|
373
|
|
|
19
|
|
Indirect Marine
|
|
192
|
|
|
192
|
|
|
5
|
|
|
199
|
|
|
15
|
|
HELOCs
|
|
434
|
|
|
434
|
|
|
4
|
|
|
436
|
|
|
17
|
|
Other Consumer
|
|
679
|
|
|
706
|
|
|
310
|
|
|
686
|
|
|
19
|
|
Total impaired loans with a specific allowance
|
$
|
30,864
|
|
$
|
31,127
|
|
$
|
4,531
|
|
$
|
31,682
|
|
$
|
1,282
|
|
Total impaired loans
|
$
|
132,180
|
|
$
|
140,855
|
|
$
|
4,531
|
|
$
|
141,184
|
|
$
|
5,871
|
|
| Summary of Modified Loans that Continue to Accrue Interest Under the Terms of Restructuring Agreement |
The following table provides a summary, by class, of modified loans that continue to accrue interest under the terms of the restructuring agreement, which are considered to be performing, and modified loans that have been placed on nonaccrual status, which are considered to be nonperforming, as of March 31, 2015 and December 31, 2014 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
March 31, 2015
|
|
December 31, 2014
|
|
|
No. of Loans
|
|
Recorded Investment
|
|
Outstanding Commitment
|
|
No. of Loans
|
|
Recorded Investment
|
|
Outstanding Commitment
|
|
Performing
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
1
|
|
$
|
296
|
|
$
|
-
|
|
1
|
|
$
|
707
|
|
$
|
-
|
|
Commercial Real Estate - Owner Occupied
|
3
|
|
|
674
|
|
|
-
|
|
3
|
|
|
682
|
|
|
-
|
|
Commercial Real Estate - Non-Owner Occupied
|
3
|
|
|
3,352
|
|
|
-
|
|
3
|
|
|
3,362
|
|
|
-
|
|
Raw Land and Lots
|
6
|
|
|
14,377
|
|
|
-
|
|
9
|
|
|
14,777
|
|
|
-
|
|
Single Family Investment Real Estate
|
5
|
|
|
934
|
|
|
-
|
|
6
|
|
|
1,046
|
|
|
-
|
|
Commercial and Industrial
|
10
|
|
|
683
|
|
|
-
|
|
9
|
|
|
722
|
|
|
-
|
|
Other Commercial
|
1
|
|
|
172
|
|
|
-
|
|
1
|
|
|
191
|
|
|
-
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
6
|
|
|
753
|
|
|
-
|
|
7
|
|
|
1,244
|
|
|
-
|
|
Other Consumer
|
3
|
|
|
95
|
|
|
-
|
|
3
|
|
|
98
|
|
|
-
|
|
Total performing
|
38
|
|
$
|
21,336
|
|
$
|
-
|
|
42
|
|
$
|
22,829
|
|
$
|
-
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Nonperforming
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
1
|
|
$
|
253
|
|
$
|
-
|
|
1
|
|
$
|
253
|
|
$
|
-
|
|
Commercial Real Estate - Owner Occupied
|
2
|
|
|
149
|
|
|
-
|
|
2
|
|
|
153
|
|
|
-
|
|
Commercial Real Estate - Non-Owner Occupied
|
1
|
|
|
539
|
|
|
-
|
|
1
|
|
|
539
|
|
|
-
|
|
Raw Land and Lots
|
1
|
|
|
116
|
|
|
-
|
|
2
|
|
|
1,053
|
|
|
-
|
|
Single Family Investment Real Estate
|
1
|
|
|
211
|
|
|
-
|
|
1
|
|
|
433
|
|
|
-
|
|
Commercial and Industrial
|
5
|
|
|
603
|
|
|
-
|
|
5
|
|
|
616
|
|
|
-
|
|
Other Commercial
|
1
|
|
|
69
|
|
|
-
|
|
1
|
|
|
74
|
|
|
-
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
2
|
|
|
763
|
|
|
-
|
|
2
|
|
|
770
|
|
|
-
|
|
Other Consumer
|
1
|
|
|
37
|
|
|
-
|
|
1
|
|
|
57
|
|
|
-
|
|
Total nonperforming
|
15
|
|
$
|
2,740
|
|
$
|
-
|
|
16
|
|
$
|
3,948
|
|
$
|
-
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total performing and nonperforming
|
53
|
|
$
|
24,076
|
|
$
|
-
|
|
58
|
|
$
|
26,777
|
|
$
|
-
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
| Schedule of TDR by Class and Modification Type |
The following table shows, by class and modification type, TDRs that occurred during the three months ended March 31, 2015 and 2014 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
Three months ended
|
|
Three months ended
|
|
|
March 31, 2015
|
|
March 31, 2014
|
|
|
No. of Loans
|
|
Recorded Investment at Period End
|
|
No. of Loans
|
|
Recorded Investment at Period End
|
|
Term modification, at a market rate
|
|
|
|
|
|
|
|
|
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
Commercial Real Estate - Owner Occupied
|
|