Annual report pursuant to Section 13 and 15(d)

SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)

v3.10.0.1
SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Tables)
12 Months Ended
Dec. 31, 2018
Accounting Policies [Abstract]  
Schedule of Qualitative Factors
The following table shows the types of qualitative factors management considers:
QUALITATIVE FACTORS
Portfolio
 
National / International
 
Local
Experience and ability of lending team
 
Interest rates
 
Gross state product
Pace of loan growth
 
Inflation
 
Unemployment rate
Footprint and expansion
 
Unemployment
 
Home prices
Execution of loan risk rating process
 
Level of economic activity
 
CRE prices
Degree of credit oversight
 
Political and trade uncertainty
 
 
Underwriting standards
 
Asset prices
 
 
Delinquency levels in portfolio
 
 
 
 
Charge-off trends in portfolio
 
 
 
 
Credit concentrations / nature and volume of the portfolio