| LOANS AND ALLOWANCE FOR LOAN LOSSES |
4.LOANS AND ALLOWANCE FOR LOAN LOSSES
Loans are stated at their face amount, net of deferred fees and costs, and consist of the following at June 30, 2015 and December 31, 2014 (dollars in thousands):
|
|
|
|
|
|
|
|
|
June 30,
|
|
December 31,
|
|
|
2015
|
|
2014
|
|
Commercial:
|
|
|
|
|
|
|
Commercial Construction
|
$
|
378,204
|
|
$
|
341,280
|
|
Commercial Real Estate - Owner Occupied
|
|
874,582
|
|
|
875,443
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
1,569,306
|
|
|
1,509,159
|
|
Raw Land and Lots
|
|
201,630
|
|
|
211,225
|
|
Single Family Investment Real Estate
|
|
435,068
|
|
|
412,494
|
|
Commercial and Industrial
|
|
450,682
|
|
|
393,776
|
|
Other Commercial
|
|
90,556
|
|
|
81,106
|
|
Consumer:
|
|
|
|
|
|
|
Mortgage
|
|
470,707
|
|
|
478,151
|
|
Consumer Construction
|
|
65,105
|
|
|
74,168
|
|
Indirect Auto
|
|
208,195
|
|
|
199,411
|
|
Indirect Marine
|
|
42,306
|
|
|
43,190
|
|
HELOCs
|
|
488,891
|
|
|
500,579
|
|
Credit Card
|
|
26,349
|
|
|
24,225
|
|
Other Consumer
|
|
208,804
|
|
|
201,789
|
|
Total
|
$
|
5,510,385
|
|
$
|
5,345,996
|
|
|
|
|
|
|
|
The following table shows the aging of the Company’s loan portfolio, by class, at June 30, 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
|
$
|
-
|
|
$
|
-
|
|
$
|
126
|
|
$
|
2,921
|
|
$
|
1,907
|
|
$
|
373,250
|
|
$
|
378,204
|
|
Commercial Real Estate - Owner Occupied
|
|
169
|
|
|
341
|
|
|
705
|
|
|
29,838
|
|
|
3,625
|
|
|
839,904
|
|
|
874,582
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
3,336
|
|
|
1,199
|
|
|
798
|
|
|
20,016
|
|
|
200
|
|
|
1,543,757
|
|
|
1,569,306
|
|
Raw Land and Lots
|
|
135
|
|
|
207
|
|
|
128
|
|
|
5,103
|
|
|
403
|
|
|
195,654
|
|
|
201,630
|
|
Single Family Investment Real Estate
|
|
487
|
|
|
232
|
|
|
515
|
|
|
15,504
|
|
|
782
|
|
|
417,548
|
|
|
435,068
|
|
Commercial and Industrial
|
|
1,727
|
|
|
285
|
|
|
509
|
|
|
3,025
|
|
|
1,074
|
|
|
444,062
|
|
|
450,682
|
|
Other Commercial
|
|
566
|
|
|
10
|
|
|
-
|
|
|
1,112
|
|
|
65
|
|
|
88,803
|
|
|
90,556
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
|
1,760
|
|
|
3,872
|
|
|
4,329
|
|
|
6,605
|
|
|
1,054
|
|
|
453,087
|
|
|
470,707
|
|
Consumer Construction
|
|
-
|
|
|
-
|
|
|
819
|
|
|
508
|
|
|
-
|
|
|
63,778
|
|
|
65,105
|
|
Indirect Auto
|
|
1,631
|
|
|
229
|
|
|
215
|
|
|
-
|
|
|
-
|
|
|
206,120
|
|
|
208,195
|
|
Indirect Marine
|
|
374
|
|
|
-
|
|
|
-
|
|
|
-
|
|
|
48
|
|
|
41,884
|
|
|
42,306
|
|
HELOCs
|
|
2,516
|
|
|
387
|
|
|
1,289
|
|
|
1,840
|
|
|
161
|
|
|
482,698
|
|
|
488,891
|
|
Credit Card
|
|
161
|
|
|
70
|
|
|
180
|
|
|
-
|
|
|
-
|
|
|
25,938
|
|
|
26,349
|
|
Other Consumer
|
|
2,285
|
|
|
612
|
|
|
1,290
|
|
|
1,369
|
|
|
202
|
|
|
203,046
|
|
|
208,804
|
|
Total
|
$
|
15,147
|
|
$
|
7,444
|
|
$
|
10,903
|
|
$
|
87,841
|
|
$
|
9,521
|
|
$
|
5,379,529
|
|
$
|
5,510,385
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
The following table shows the PCI commercial and consumer loan portfolios, by class and their delinquency status, at June 30, 2015 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
30-89 Days Past Due
|
|
Greater than 90 Days
|
|
Current
|
|
Total
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
$
|
-
|
|
$
|
609
|
|
$
|
2,312
|
|
$
|
2,921
|
|
Commercial Real Estate - Owner Occupied
|
|
1,029
|
|
|
1,484
|
|
|
27,325
|
|
|
29,838
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
1,775
|
|
|
321
|
|
|
17,920
|
|
|
20,016
|
|
Raw Land and Lots
|
|
376
|
|
|
105
|
|
|
4,622
|
|
|
5,103
|
|
Single Family Investment Real Estate
|
|
425
|
|
|
686
|
|
|
14,393
|
|
|
15,504
|
|
Commercial and Industrial
|
|
226
|
|
|
68
|
|
|
2,731
|
|
|
3,025
|
|
Other Commercial
|
|
120
|
|
|
184
|
|
|
808
|
|
|
1,112
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
|
916
|
|
|
2,557
|
|
|
3,132
|
|
|
6,605
|
|
Consumer Construction
|
|
-
|
|
|
508
|
|
|
-
|
|
|
508
|
|
HELOCs
|
|
210
|
|
|
501
|
|
|
1,129
|
|
|
1,840
|
|
Other Consumer
|
|
48
|
|
|
152
|
|
|
1,169
|
|
|
1,369
|
|
Total
|
$
|
5,125
|
|
$
|
7,175
|
|
$
|
75,541
|
|
$
|
87,841
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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
|
The Company measures the amount of impairment by evaluating loans either in their collective homogeneous pools or individually. The following table shows the Company’s impaired loans, excluding PCI loans related to the StellarOne acquisition, by class at June 30, 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
|
$
|
6,506
|
|
$
|
6,783
|
|
$
|
-
|
|
$
|
5,897
|
|
$
|
135
|
|
Commercial Real Estate - Owner Occupied
|
|
12,917
|
|
|
13,182
|
|
|
-
|
|
|
12,664
|
|
|
258
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
12,566
|
|
|
12,882
|
|
|
-
|
|
|
12,880
|
|
|
317
|
|
Raw Land and Lots
|
|
39,679
|
|
|
39,887
|
|
|
-
|
|
|
40,698
|
|
|
1,179
|
|
Single Family Investment Real Estate
|
|
2,805
|
|
|
3,214
|
|
|
-
|
|
|
3,001
|
|
|
54
|
|
Commercial and Industrial
|
|
3,361
|
|
|
4,070
|
|
|
-
|
|
|
3,533
|
|
|
67
|
|
Other Commercial
|
|
923
|
|
|
928
|
|
|
-
|
|
|
954
|
|
|
28
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
|
1,568
|
|
|
1,582
|
|
|
-
|
|
|
1,580
|
|
|
29
|
|
Indirect Auto
|
|
-
|
|
|
4
|
|
|
-
|
|
|
1
|
|
|
-
|
|
HELOCs
|
|
779
|
|
|
911
|
|
|
-
|
|
|
856
|
|
|
10
|
|
Other Consumer
|
|
82
|
|
|
204
|
|
|
-
|
|
|
149
|
|
|
-
|
|
Total impaired loans without a specific allowance
|
$
|
81,186
|
|
$
|
83,647
|
|
$
|
-
|
|
$
|
82,213
|
|
$
|
2,077
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans with a specific allowance
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
$
|
370
|
|
$
|
370
|
|
$
|
10
|
|
$
|
485
|
|
$
|
10
|
|
Commercial Real Estate - Owner Occupied
|
|
5,162
|
|
|
5,177
|
|
|
656
|
|
|
5,343
|
|
|
83
|
|
Commercial Real Estate - Non-Owner Occupied
|
|
937
|
|
|
937
|
|
|
81
|
|
|
932
|
|
|
27
|
|
Raw Land and Lots
|
|
717
|
|
|
717
|
|
|
19
|
|
|
760
|
|
|
17
|
|
Single Family Investment Real Estate
|
|
2,742
|
|
|
2,766
|
|
|
182
|
|
|
2,859
|
|
|
68
|
|
Commercial and Industrial
|
|
2,228
|
|
|
2,279
|
|
|
474
|
|
|
2,308
|
|
|
50
|
|
Other Commercial
|
|
469
|
|
|
490
|
|
|
41
|
|
|
507
|
|
|
11
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
|
1,395
|
|
|
1,448
|
|
|
29
|
|
|
1,425
|
|
|
6
|
|
Consumer Construction
|
|
376
|
|
|
376
|
|
|
33
|
|
|
378
|
|
|
9
|
|
Indirect Marine
|
|
48
|
|
|
149
|
|
|
1
|
|
|
54
|
|
|
-
|
|
Other Consumer
|
|
226
|
|
|
345
|
|
|
84
|
|
|
276
|
|
|
1
|
|
Total impaired loans with a specific allowance
|
$
|
14,670
|
|
$
|
15,054
|
|
$
|
1,610
|
|
$
|
15,327
|
|
$
|
282
|
|
Total impaired loans
|
$
|
95,856
|
|
$
|
98,701
|
|
$
|
1,610
|
|
$
|
97,540
|
|
$
|
2,359
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
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
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
The Company considers TDRs to be impaired loans. A modification of a loan’s terms constitutes a TDR if the creditor grants a concession that it would not otherwise consider to the borrower for economic or legal reasons related to the borrower’s financial difficulties. TDRs totaled $22.1 million and $26.8 million as of June 30, 2015 and December 31, 2014, respectively. All loans that are considered to be TDRs are evaluated for impairment in accordance with the Company’s allowance for loan loss methodology and are included in the preceding impaired loan tables. For the quarter ended June 30, 2015, the recorded investment in restructured loans prior to modifications was not materially impacted by the modification.
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 June 30, 2015 and December 31, 2014 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
June 30, 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
|
5
|
|
|
1,659
|
|
|
-
|
|
3
|
|
|
682
|
|
|
-
|
|
Commercial Real Estate - Non-Owner Occupied
|
3
|
|
|
2,448
|
|
|
-
|
|
3
|
|
|
3,362
|
|
|
-
|
|
Raw Land and Lots
|
5
|
|
|
13,995
|
|
|
-
|
|
9
|
|
|
14,777
|
|
|
-
|
|
Single Family Investment Real Estate
|
2
|
|
|
446
|
|
|
-
|
|
6
|
|
|
1,046
|
|
|
-
|
|
Commercial and Industrial
|
2
|
|
|
50
|
|
|
-
|
|
9
|
|
|
722
|
|
|
-
|
|
Other Commercial
|
2
|
|
|
213
|
|
|
-
|
|
1
|
|
|
191
|
|
|
-
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
6
|
|
|
740
|
|
|
-
|
|
7
|
|
|
1,244
|
|
|
-
|
|
Other Consumer
|
1
|
|
|
33
|
|
|
-
|
|
3
|
|
|
98
|
|
|
-
|
|
Total performing
|
27
|
|
$
|
19,880
|
|
$
|
-
|
|
42
|
|
$
|
22,829
|
|
$
|
-
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Nonperforming
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Construction
|
1
|
|
$
|
260
|
|
$
|
-
|
|
1
|
|
$
|
253
|
|
$
|
-
|
|
Commercial Real Estate - Owner Occupied
|
1
|
|
|
142
|
|
|
-
|
|
2
|
|
|
153
|
|
|
-
|
|
Commercial Real Estate - Non-Owner Occupied
|
1
|
|
|
200
|
|
|
-
|
|
1
|
|
|
539
|
|
|
-
|
|
Raw Land and Lots
|
1
|
|
|
34
|
|
|
-
|
|
2
|
|
|
1,053
|
|
|
-
|
|
Single Family Investment Real Estate
|
2
|
|
|
237
|
|
|
-
|
|
1
|
|
|
433
|
|
|
-
|
|
Commercial and Industrial
|
4
|
|
|
513
|
|
|
-
|
|
5
|
|
|
616
|
|
|
-
|
|
Other Commercial
|
1
|
|
|
65
|
|
|
-
|
|
1
|
|
|
74
|
|
|
-
|
|
Consumer:
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Mortgage
|
2
|
|
|
756
|
|
|
-
|
|
2
|
|
|
770
|
|
|
-
|
|
Other Consumer
|
1
|
|
|
37
|
|
|
-
|
|
1
|
|
|
57
|
|
|
-
|
|
Total nonperforming
|
14
|
|
$
|
2,244
|
|
$
|
-
|
|
16
|
|
$
|
3,948
|
|
$
|
-
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total performing and nonperforming
|
41
|
|
$
|
22,124
|
|
$
|
-
|
|
|