LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
|
12 Months Ended |
Dec. 31, 2017 |
|---|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
| 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 December 31, 2017 and 2016 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
2017 |
|
2016 |
Construction and Land Development |
$ |
948,791 |
|
|
$ |
751,131 |
|
Commercial Real Estate - Owner Occupied |
943,933 |
|
|
857,805 |
|
Commercial Real Estate - Non-Owner Occupied |
1,713,659 |
|
|
1,564,295 |
|
Multifamily Real Estate |
357,079 |
|
|
334,276 |
|
Commercial & Industrial |
612,023 |
|
|
551,526 |
|
Residential 1-4 Family - Commercial |
612,395 |
|
|
551,636 |
|
Residential 1-4 Family - Mortgage |
485,690 |
|
|
477,911 |
|
Auto |
282,474 |
|
|
262,071 |
|
HELOC |
537,521 |
|
|
526,884 |
|
Consumer and all other |
647,987 |
|
|
429,525 |
|
Total loans held for investment, net (1)
|
$ |
7,141,552 |
|
|
$ |
6,307,060 |
|
(1) Loans, as presented, are net of deferred fees and costs totaling $1.3 million and $1.8 million as of December 31, 2017 and 2016, respectively.
|
| Summary of Aging of the Loan Portfolio by Class |
The following table shows the aging of the Company’s loan portfolio, by segment, at December 31, 2017 (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 |
Construction and Land Development |
$ |
1,248 |
|
|
$ |
898 |
|
|
$ |
1,340 |
|
|
$ |
2,838 |
|
|
$ |
5,610 |
|
|
$ |
936,857 |
|
|
$ |
948,791 |
|
Commercial Real Estate - Owner Occupied |
444 |
|
|
81 |
|
|
— |
|
|
14,790 |
|
|
2,708 |
|
|
925,910 |
|
|
943,933 |
|
Commercial Real Estate - Non-Owner Occupied |
187 |
|
|
84 |
|
|
194 |
|
|
6,610 |
|
|
2,992 |
|
|
1,703,592 |
|
|
1,713,659 |
|
Multifamily Real Estate |
— |
|
|
— |
|
|
— |
|
|
80 |
|
|
— |
|
|
356,999 |
|
|
357,079 |
|
Commercial & Industrial |
1,147 |
|
|
109 |
|
|
214 |
|
|
408 |
|
|
316 |
|
|
609,829 |
|
|
612,023 |
|
Residential 1-4 Family - Commercial |
1,682 |
|
|
700 |
|
|
579 |
|
|
9,414 |
|
|
1,085 |
|
|
598,935 |
|
|
612,395 |
|
Residential 1-4 Family - Mortgage |
3,838 |
|
|
2,541 |
|
|
546 |
|
|
3,733 |
|
|
6,269 |
|
|
468,763 |
|
|
485,690 |
|
Auto |
3,541 |
|
|
185 |
|
|
40 |
|
|
— |
|
|
413 |
|
|
278,295 |
|
|
282,474 |
|
HELOC |
2,382 |
|
|
717 |
|
|
217 |
|
|
950 |
|
|
2,075 |
|
|
531,180 |
|
|
537,521 |
|
Consumer and all other |
2,404 |
|
|
2,052 |
|
|
402 |
|
|
198 |
|
|
275 |
|
|
642,656 |
|
|
647,987 |
|
Total loans held for investment |
$ |
16,873 |
|
|
$ |
7,367 |
|
|
$ |
3,532 |
|
|
$ |
39,021 |
|
|
$ |
21,743 |
|
|
$ |
7,053,016 |
|
|
$ |
7,141,552 |
|
The following table shows the aging of the Company’s loan portfolio, by segment, at December 31, 2016 (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 |
Construction and Land Development |
$ |
1,162 |
|
|
$ |
232 |
|
|
$ |
76 |
|
|
$ |
2,922 |
|
|
$ |
2,037 |
|
|
$ |
744,702 |
|
|
$ |
751,131 |
|
Commercial Real Estate - Owner Occupied |
1,842 |
|
|
109 |
|
|
35 |
|
|
18,343 |
|
|
794 |
|
|
836,682 |
|
|
857,805 |
|
Commercial Real Estate - Non-Owner Occupied |
2,369 |
|
|
— |
|
|
— |
|
|
17,303 |
|
|
— |
|
|
1,544,623 |
|
|
1,564,295 |
|
Multifamily Real Estate |
147 |
|
|
— |
|
|
— |
|
|
2,066 |
|
|
— |
|
|
332,063 |
|
|
334,276 |
|
Commercial & Industrial |
759 |
|
|
858 |
|
|
9 |
|
|
1,074 |
|
|
124 |
|
|
548,702 |
|
|
551,526 |
|
Residential 1-4 Family - Commercial |
1,722 |
|
|
147 |
|
|
600 |
|
|
12,222 |
|
|
1,071 |
|
|
535,874 |
|
|
551,636 |
|
Residential 1-4 Family - Mortgage |
5,316 |
|
|
387 |
|
|
1,448 |
|
|
3,978 |
|
|
4,208 |
|
|
462,574 |
|
|
477,911 |
|
Auto |
2,570 |
|
|
317 |
|
|
111 |
|
|
— |
|
|
169 |
|
|
258,904 |
|
|
262,071 |
|
HELOC |
1,836 |
|
|
1,140 |
|
|
635 |
|
|
1,161 |
|
|
1,279 |
|
|
520,833 |
|
|
526,884 |
|
Consumer and all other |
2,522 |
|
|
1,431 |
|
|
91 |
|
|
223 |
|
|
291 |
|
|
424,967 |
|
|
429,525 |
|
Total loans held for investment |
$ |
20,245 |
|
|
$ |
4,621 |
|
|
$ |
3,005 |
|
|
$ |
59,292 |
|
|
$ |
9,973 |
|
|
$ |
6,209,924 |
|
|
$ |
6,307,060 |
|
|
| Impaired Loans by Class |
The following table shows the Company’s impaired loans, excluding PCI loans, by segment at December 31, 2017 and 2016 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2017 |
|
December 31, 2016 |
|
Recorded
Investment
|
|
Unpaid
Principal
Balance
|
|
Related
Allowance
|
|
Recorded
Investment
|
|
Unpaid
Principal
Balance
|
|
Related
Allowance
|
Loans without a specific allowance |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
$ |
16,035 |
|
|
$ |
16,214 |
|
|
$ |
— |
|
|
$ |
13,877 |
|
|
$ |
14,353 |
|
|
$ |
— |
|
Commercial Real Estate - Owner Occupied |
5,427 |
|
|
5,527 |
|
|
— |
|
|
5,886 |
|
|
6,042 |
|
|
— |
|
Commercial Real Estate - Non-Owner Occupied |
6,017 |
|
|
6,103 |
|
|
— |
|
|
1,399 |
|
|
1,399 |
|
|
— |
|
Commercial & Industrial |
1,681 |
|
|
1,933 |
|
|
— |
|
|
648 |
|
|
890 |
|
|
— |
|
Residential 1-4 Family - Commercial |
4,098 |
|
|
4,879 |
|
|
— |
|
|
4,301 |
|
|
5,208 |
|
|
— |
|
Residential 1-4 Family - Mortgage |
9,512 |
|
|
9,786 |
|
|
— |
|
|
4,195 |
|
|
4,310 |
|
|
— |
|
HELOC |
2,056 |
|
|
2,144 |
|
|
— |
|
|
1,017 |
|
|
1,094 |
|
|
— |
|
Consumer and all other |
567 |
|
|
734 |
|
|
— |
|
|
230 |
|
|
427 |
|
|
— |
|
Total impaired loans without a specific allowance |
$ |
45,393 |
|
|
$ |
47,320 |
|
|
$ |
— |
|
|
$ |
31,553 |
|
|
$ |
33,723 |
|
|
$ |
— |
|
Loans with a specific allowance |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
$ |
1,536 |
|
|
$ |
1,573 |
|
|
$ |
122 |
|
|
$ |
1,395 |
|
|
$ |
1,404 |
|
|
$ |
107 |
|
Commercial Real Estate - Owner Occupied |
1,161 |
|
|
1,161 |
|
|
94 |
|
|
646 |
|
|
646 |
|
|
4 |
|
Commercial Real Estate - Non-Owner Occupied |
— |
|
|
— |
|
|
— |
|
|
2,809 |
|
|
2,809 |
|
|
474 |
|
Commercial & Industrial |
1,295 |
|
|
1,319 |
|
|
128 |
|
|
857 |
|
|
880 |
|
|
14 |
|
Residential 1-4 Family - Commercial |
1,062 |
|
|
1,068 |
|
|
35 |
|
|
1,182 |
|
|
1,282 |
|
|
66 |
|
Residential 1-4 Family - Mortgage |
1,953 |
|
|
2,070 |
|
|
36 |
|
|
2,153 |
|
|
2,253 |
|
|
134 |
|
Auto |
413 |
|
|
577 |
|
|
2 |
|
|
169 |
|
|
235 |
|
|
1 |
|
HELOC |
464 |
|
|
535 |
|
|
51 |
|
|
323 |
|
|
433 |
|
|
15 |
|
Consumer and all other |
204 |
|
|
309 |
|
|
35 |
|
|
62 |
|
|
298 |
|
|
1 |
|
Total impaired loans with a specific allowance |
$ |
8,088 |
|
|
$ |
8,612 |
|
|
$ |
503 |
|
|
$ |
9,596 |
|
|
$ |
10,240 |
|
|
$ |
816 |
|
Total impaired loans |
$ |
53,481 |
|
|
$ |
55,932 |
|
|
$ |
503 |
|
|
$ |
41,149 |
|
|
$ |
43,963 |
|
|
$ |
816 |
|
The following table shows the average recorded investment and interest income recognized for the Company’s impaired loans,
excluding PCI loans, by segment for the years ended December 31, 2017, 2016 and 2015 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2017 |
|
December 31, 2016 |
|
December 31, 2015 |
|
Average
Investment
|
|
Interest
Income
Recognized
|
|
Average
Investment
|
|
Interest
Income
Recognized
|
|
Average
Investment
|
|
Interest
Income
Recognized
|
Construction and Land Development |
$ |
17,080 |
|
|
$ |
590 |
|
|
$ |
15,346 |
|
|
$ |
681 |
|
|
$ |
36,441 |
|
|
$ |
2,265 |
|
Commercial Real Estate - Owner Occupied |
6,580 |
|
|
306 |
|
|
6,290 |
|
|
242 |
|
|
11,409 |
|
|
348 |
|
Commercial Real Estate - Non-Owner Occupied |
6,083 |
|
|
172 |
|
|
4,188 |
|
|
134 |
|
|
6,201 |
|
|
250 |
|
Multifamily Real Estate |
— |
|
|
— |
|
|
— |
|
|
— |
|
|
3,854 |
|
|
244 |
|
Commercial & Industrial |
3,208 |
|
|
150 |
|
|
2,800 |
|
|
95 |
|
|
3,404 |
|
|
139 |
|
Residential 1-4 Family - Commercial |
5,428 |
|
|
190 |
|
|
6,225 |
|
|
205 |
|
|
9,990 |
|
|
383 |
|
Residential 1-4 Family - Mortgage |
11,806 |
|
|
194 |
|
|
6,491 |
|
|
86 |
|
|
4,478 |
|
|
27 |
|
Auto |
579 |
|
|
19 |
|
|
244 |
|
|
5 |
|
|
235 |
|
|
6 |
|
HELOC |
2,659 |
|
|
36 |
|
|
1,513 |
|
|
19 |
|
|
2,757 |
|
|
54 |
|
Consumer and all other |
810 |
|
|
36 |
|
|
567 |
|
|
8 |
|
|
639 |
|
|
19 |
|
Total impaired loans |
$ |
54,233 |
|
|
$ |
1,693 |
|
|
$ |
43,664 |
|
|
$ |
1,475 |
|
|
$ |
79,408 |
|
|
$ |
3,735 |
|
|
| Summary of Modified Loans that Continue to Accrue Interest Under the Terms of Restructuring Agreement |
The following table provides a summary, by segment, of TDRs that continue to accrue interest under the terms of the restructuring agreement, which are considered to be performing, and TDRs that have been placed in nonaccrual status, which are considered to be nonperforming, as of December 31, 2017 and 2016 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2017 |
|
December 31, 2016 |
|
No. of
Loans
|
|
Recorded
Investment
|
|
Outstanding
Commitment
|
|
No. of
Loans
|
|
Recorded
Investment
|
|
Outstanding
Commitment
|
Performing |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
7 |
|
|
$ |
2,803 |
|
|
$ |
— |
|
|
8 |
|
|
$ |
3,793 |
|
|
$ |
— |
|
Commercial Real Estate - Owner Occupied |
5 |
|
|
2,221 |
|
|
— |
|
|
7 |
|
|
3,106 |
|
|
— |
|
Commercial Real Estate - Non-Owner Occupied |
2 |
|
|
715 |
|
|
— |
|
|
2 |
|
|
2,390 |
|
|
— |
|
Commercial & Industrial |
12 |
|
|
2,057 |
|
|
— |
|
|
3 |
|
|
533 |
|
|
— |
|
Residential 1-4 Family - Commercial |
16 |
|
|
1,048 |
|
|
— |
|
|
16 |
|
|
1,623 |
|
|
— |
|
Residential 1-4 Family - Mortgage |
24 |
|
|
5,194 |
|
|
— |
|
|
12 |
|
|
2,522 |
|
|
— |
|
HELOC |
1 |
|
|
20 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Consumer and all other |
1 |
|
|
495 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Total performing |
68 |
|
|
$ |
14,553 |
|
|
$ |
— |
|
|
48 |
|
|
$ |
13,967 |
|
|
$ |
— |
|
Nonperforming |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
2 |
|
|
$ |
702 |
|
|
$ |
— |
|
|
2 |
|
|
$ |
215 |
|
|
$ |
— |
|
Commercial Real Estate - Owner Occupied |
2 |
|
|
134 |
|
|
— |
|
|
2 |
|
|
156 |
|
|
— |
|
Commercial & Industrial |
2 |
|
|
108 |
|
|
— |
|
|
1 |
|
|
116 |
|
|
— |
|
Residential 1-4 Family - Commercial |
5 |
|
|
558 |
|
|
— |
|
|
4 |
|
|
157 |
|
|
— |
|
Residential 1-4 Family - Mortgage |
7 |
|
|
1,264 |
|
|
— |
|
|
4 |
|
|
791 |
|
|
— |
|
HELOC |
1 |
|
|
59 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Consumer and all other |
1 |
|
|
24 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Total nonperforming |
20 |
|
|
$ |
2,849 |
|
|
$ |
— |
|
|
13 |
|
|
$ |
1,435 |
|
|
$ |
— |
|
Total performing and nonperforming |
88 |
|
|
$ |
17,402 |
|
|
$ |
— |
|
|
61 |
|
|
$ |
15,402 |
|
|
$ |
— |
|
|
| Schedule of TDR by Class and Modification Type |
The following table shows, by segment and modification type, TDRs that occurred during the years ended December 31, 2017 and 2016 and TDRs that were identified by the Company as going into default during the period shown that were restructured in the prior twelve-month period (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
All Restructurings |
|
Restructurings with Payment Default |
|
2017 |
|
2016 |
|
2017 |
|
2016 |
|
No. of
Loans
|
|
Recorded
Investment at
Period End
|
|
No. of
Loans
|
|
Recorded
Investment at
Period End
|
|
No. of
Loans
|
|
Recorded
Investment at
Period End
|
|
No. of
Loans
|
|
Recorded
Investment at
Period End
|
Modified to interest only, at a market rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
— |
|
|
$ |
— |
|
|
2 |
|
|
$ |
325 |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
Commercial Real Estate - Owner Occupied |
— |
|
|
— |
|
|
2 |
|
|
483 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Commercial & Industrial |
5 |
|
|
631 |
|
|
1 |
|
|
34 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Residential 1-4 Family - Commercial |
— |
|
|
— |
|
|
1 |
|
|
158 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Total interest only at market rate of interest |
5 |
|
|
$ |
631 |
|
|
6 |
|
|
$ |
1,000 |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Term modification, at a market rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
4 |
|
|
$ |
1,564 |
|
|
2 |
|
|
$ |
1,444 |
|
|
1 |
|
|
$ |
160 |
|
|
— |
|
|
$ |
— |
|
Commercial Real Estate - Owner Occupied |
1 |
|
|
378 |
|
|
3 |
|
|
1,326 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Commercial Real Estate - Non-Owner Occupied |
2 |
|
|
715 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Commercial & Industrial |
5 |
|
|
1,040 |
|
|
1 |
|
|
444 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Residential 1-4 Family - Commercial |
5 |
|
|
764 |
|
|
3 |
|
|
400 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Residential 1-4 Family - Mortgage |
9 |
|
|
2,461 |
|
|
3 |
|
|
580 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Consumer and all other |
2 |
|
|
519 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Total loan term extended at a market rate |
28 |
|
|
$ |
7,441 |
|
|
12 |
|
|
$ |
4,194 |
|
|
1 |
|
|
$ |
160 |
|
|
— |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Term modification, below market rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Real Estate - Owner Occupied |
1 |
|
|
$ |
837 |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
Commercial & Industrial |
2 |
|
|
78 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Residential 1-4 Family - Commercial |
5 |
|
|
183 |
|
|
2 |
|
|
64 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Residential 1-4 Family - Mortgage |
11 |
|
|
1,803 |
|
|
5 |
|
|
1,245 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
HELOC |
2 |
|
|
79 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Total loan term extended at a below market rate |
21 |
|
|
$ |
2,980 |
|
|
7 |
|
|
$ |
1,309 |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Interest rate modification, below market rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial & Industrial |
— |
|
|
$ |
— |
|
|
1 |
|
|
$ |
116 |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
Total interest only at below market rate of interest |
— |
|
|
$ |
— |
|
|
1 |
|
|
$ |
116 |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
54 |
|
|
$ |
11,052 |
|
|
26 |
|
|
$ |
6,619 |
|
|
1 |
|
|
$ |
160 |
|
|
— |
|
|
$ |
— |
|
|
| Allowance for Loan Loss Activity, by Portfolio Segment, Balances for Allowance for Credit Losses, and Loans Based on Impairment Methodology |
The following table shows the allowance for loan loss activity, balances for ALL, and loan balances based on impairment methodology by segment for the year ended and as of December 31, 2017. The table below includes the provision for loan losses. In addition, a $315,000 provision was released during the year ended December 31, 2017 for unfunded loan commitments for which the reserves are recorded as a component of “Other Liabilities” on the Company’s Consolidated Balance Sheets. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for loan losses |
|
Balance,
beginning of the year
|
|
Recoveries
credited to
allowance
|
|
Loans charged
off
|
|
Provision
charged to
operations
|
|
Balance, end of
period
|
Construction and Land Development |
$ |
10,055 |
|
|
$ |
206 |
|
|
$ |
(2,190 |
) |
|
$ |
1,638 |
|
|
$ |
9,709 |
|
Commercial Real Estate - Owner Occupied |
3,801 |
|
|
171 |
|
|
(46 |
) |
|
(995 |
) |
|
2,931 |
|
Commercial Real Estate - Non-Owner Occupied |
6,622 |
|
|
2 |
|
|
(1,180 |
) |
|
2,100 |
|
|
7,544 |
|
Multifamily Real Estate |
1,236 |
|
|
— |
|
|
— |
|
|
(144 |
) |
|
1,092 |
|
Commercial & Industrial |
4,627 |
|
|
483 |
|
|
(2,277 |
) |
|
1,719 |
|
|
4,552 |
|
Residential 1-4 Family - Commercial |
3,698 |
|
|
329 |
|
|
(463 |
) |
|
873 |
|
|
4,437 |
|
Residential 1-4 Family - Mortgage |
2,701 |
|
|
102 |
|
|
(588 |
) |
|
(691 |
) |
|
1,524 |
|
Auto |
946 |
|
|
459 |
|
|
(1,038 |
) |
|
608 |
|
|
975 |
|
HELOC |
1,328 |
|
|
314 |
|
|
(1,019 |
) |
|
737 |
|
|
1,360 |
|
Consumer and all other |
2,178 |
|
|
1,189 |
|
|
(4,509 |
) |
|
5,226 |
|
|
4,084 |
|
Total |
$ |
37,192 |
|
|
$ |
3,255 |
|
|
$ |
(13,310 |
) |
|
$ |
11,071 |
|
|
$ |
38,208 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans individually evaluated
for impairment
|
|
Loans collectively evaluated for
impairment
|
|
Loans acquired with
deteriorated credit quality
|
|
Total |
|
Loans |
|
ALL |
|
Loans |
|
ALL |
|
Loans |
|
ALL |
|
Loans |
|
ALL |
Construction and Land Development |
$ |
17,571 |
|
|
$ |
122 |
|
|
$ |
928,382 |
|
|
$ |
9,587 |
|
|
$ |
2,838 |
|
|
$ |
— |
|
|
$ |
948,791 |
|
|
$ |
9,709 |
|
Commercial Real Estate - Owner Occupied |
6,588 |
|
|
94 |
|
|
922,555 |
|
|
2,837 |
|
|
14,790 |
|
|
— |
|
|
943,933 |
|
|
2,931 |
|
Commercial Real Estate - Non-Owner Occupied |
6,017 |
|
|
— |
|
|
1,701,032 |
|
|
7,544 |
|
|
6,610 |
|
|
— |
|
|
1,713,659 |
|
|
7,544 |
|
Multifamily Real Estate |
— |
|
|
— |
|
|
356,999 |
|
|
1,092 |
|
|
80 |
|
|
— |
|
|
357,079 |
|
|
1,092 |
|
Commercial & Industrial |
2,976 |
|
|
128 |
|
|
608,639 |
|
|
4,424 |
|
|
408 |
|
|
— |
|
|
612,023 |
|
|
4,552 |
|
Residential 1-4 Family - Commercial |
5,160 |
|
|
35 |
|
|
597,821 |
|
|
4,402 |
|
|
9,414 |
|
|
— |
|
|
612,395 |
|
|
4,437 |
|
Residential 1-4 Family - Mortgage |
11,465 |
|
|
36 |
|
|
470,492 |
|
|
1,488 |
|
|
3,733 |
|
|
— |
|
|
485,690 |
|
|
1,524 |
|
Auto |
413 |
|
|
2 |
|
|
282,061 |
|
|
973 |
|
|
— |
|
|
— |
|
|
282,474 |
|
|
975 |
|
HELOC |
2,520 |
|
|
51 |
|
|
534,051 |
|
|
1,309 |
|
|
950 |
|
|
— |
|
|
537,521 |
|
|
1,360 |
|
Consumer and all other |
771 |
|
|
35 |
|
|
647,018 |
|
|
4,049 |
|
|
198 |
|
|
— |
|
|
647,987 |
|
|
4,084 |
|
Total loans held for investment, net |
$ |
53,481 |
|
|
$ |
503 |
|
|
$ |
7,049,050 |
|
|
$ |
37,705 |
|
|
$ |
39,021 |
|
|
$ |
— |
|
|
$ |
7,141,552 |
|
|
$ |
38,208 |
|
The following table shows the allowance for loan loss activity, balances for allowance for loan losses, and loan balances based on impairment methodology by segment for the year ended and as of December 31, 2016. In addition, a $425,000 provision was recognized during the year ended December 31, 2016 for unfunded loan commitments. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for loan losses |
|
Balance,
beginning of the year
|
|
Recoveries
credited to
allowance
|
|
Loans charged
off
|
|
Provision
charged to
operations
|
|
Balance, end of
period
|
Construction and Land Development |
$ |
6,040 |
|
|
$ |
505 |
|
|
$ |
(958 |
) |
|
$ |
4,468 |
|
|
$ |
10,055 |
|
Commercial Real Estate - Owner Occupied |
4,614 |
|
|
152 |
|
|
(809 |
) |
|
(156 |
) |
|
3,801 |
|
Commercial Real Estate - Non-Owner Occupied |
6,929 |
|
|
80 |
|
|
(1 |
) |
|
(386 |
) |
|
6,622 |
|
Multifamily Real Estate |
1,606 |
|
|
— |
|
|
— |
|
|
(370 |
) |
|
1,236 |
|
Commercial & Industrial |
3,163 |
|
|
483 |
|
|
(1,920 |
) |
|
2,901 |
|
|
4,627 |
|
Residential 1-4 Family - Commercial |
3,025 |
|
|
318 |
|
|
(716 |
) |
|
1,071 |
|
|
3,698 |
|
Residential 1-4 Family - Mortgage |
2,389 |
|
|
267 |
|
|
(184 |
) |
|
229 |
|
|
2,701 |
|
Auto |
1,703 |
|
|
327 |
|
|
(1,052 |
) |
|
(32 |
) |
|
946 |
|
HELOC |
2,934 |
|
|
459 |
|
|
(1,457 |
) |
|
(608 |
) |
|
1,328 |
|
Consumer and all other |
1,644 |
|
|
434 |
|
|
(1,458 |
) |
|
1,558 |
|
|
2,178 |
|
Total |
$ |
34,047 |
|
|
$ |
3,025 |
|
|
$ |
(8,555 |
) |
|
$ |
8,675 |
|
|
$ |
37,192 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans individually evaluated
for impairment
|
|
Loans collectively evaluated for
impairment
|
|
Loans acquired with
deteriorated credit quality
|
|
Total |
|
Loans |
|
ALL |
|
Loans |
|
ALL |
|
Loans |
|
ALL |
|
Loans |
|
ALL |
Construction and Land Development |
$ |
15,272 |
|
|
$ |
107 |
|
|
$ |
732,937 |
|
|
$ |
9,948 |
|
|
$ |
2,922 |
|
|
$ |
— |
|
|
$ |
751,131 |
|
|
$ |
10,055 |
|
Commercial Real Estate - Owner Occupied |
6,532 |
|
|
4 |
|
|
832,930 |
|
|
3,797 |
|
|
18,343 |
|
|
— |
|
|
857,805 |
|
|
3,801 |
|
Commercial Real Estate - Non-Owner Occupied |
4,208 |
|
|
474 |
|
|
1,542,784 |
|
|
6,148 |
|
|
17,303 |
|
|
— |
|
|
1,564,295 |
|
|
6,622 |
|
Multifamily Real Estate |
— |
|
|
— |
|
|
332,210 |
|
|
1,236 |
|
|
2,066 |
|
|
— |
|
|
334,276 |
|
|
1,236 |
|
Commercial & Industrial |
1,505 |
|
|
14 |
|
|
548,947 |
|
|
4,613 |
|
|
1,074 |
|
|
— |
|
|
551,526 |
|
|
4,627 |
|
Residential 1-4 Family - Commercial |
5,483 |
|
|
66 |
|
|
533,931 |
|
|
3,632 |
|
|
12,222 |
|
|
— |
|
|
551,636 |
|
|
3,698 |
|
Residential 1-4 Family - Mortgage |
6,348 |
|
|
134 |
|
|
467,585 |
|
|
2,567 |
|
|
3,978 |
|
|
— |
|
|
477,911 |
|
|
2,701 |
|
Auto |
169 |
|
|
1 |
|
|
261,902 |
|
|
945 |
|
|
— |
|
|
— |
|
|
262,071 |
|
|
946 |
|
HELOC |
1,340 |
|
|
15 |
|
|
524,383 |
|
|
1,313 |
|
|
1,161 |
|
|
— |
|
|
526,884 |
|
|
1,328 |
|
Consumer and all other |
292 |
|
|
1 |
|
|
429,010 |
|
|
2,177 |
|
|
223 |
|
|
— |
|
|
429,525 |
|
|
2,178 |
|
Total loans held for investment, net |
$ |
41,149 |
|
|
$ |
816 |
|
|
$ |
6,206,619 |
|
|
$ |
36,376 |
|
|
$ |
59,292 |
|
|
$ |
— |
|
|
$ |
6,307,060 |
|
|
$ |
37,192 |
|
The following table shows the allowance for loan loss activity, balances for allowance for loan losses, and loan balances based on impairment methodology by segment for the year ended and as of December 31, 2015. In addition, a $300,000 provision was recognized during the year ended December 31, 2015 for unfunded loan commitments. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Allowance for loan losses |
|
Balance,
beginning of the year
|
|
Recoveries
credited to
allowance
|
|
Loans charged
off
|
|
Provision
charged to
operations
|
|
Balance, end of
period
|
Construction and Land Development |
$ |
4,856 |
|
|
$ |
720 |
|
|
$ |
(650 |
) |
|
$ |
1,114 |
|
|
$ |
6,040 |
|
Commercial Real Estate - Owner Occupied |
4,640 |
|
|
143 |
|
|
(481 |
) |
|
312 |
|
|
4,614 |
|
Commercial Real Estate - Non-Owner Occupied |
7,256 |
|
|
239 |
|
|
(3,137 |
) |
|
2,571 |
|
|
6,929 |
|
Multifamily Real Estate |
1,374 |
|
|
200 |
|
|
— |
|
|
32 |
|
|
1,606 |
|
Commercial & Industrial |
2,610 |
|
|
958 |
|
|
(2,361 |
) |
|
1,956 |
|
|
3,163 |
|
Residential 1-4 Family - Commercial |
2,743 |
|
|
526 |
|
|
(506 |
) |
|
262 |
|
|
3,025 |
|
Residential 1-4 Family - Mortgage |
2,864 |
|
|
28 |
|
|
(1,283 |
) |
|
780 |
|
|
2,389 |
|
Auto |
1,297 |
|
|
290 |
|
|
(768 |
) |
|
884 |
|
|
1,703 |
|
HELOC |
2,675 |
|
|
298 |
|
|
(1,100 |
) |
|
1,061 |
|
|
2,934 |
|
Consumer and all other |
2,069 |
|
|
525 |
|
|
(1,249 |
) |
|
299 |
|
|
1,644 |
|
Total |
$ |
32,384 |
|
|
$ |
3,927 |
|
|
$ |
(11,535 |
) |
|
$ |
9,271 |
|
|
$ |
34,047 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans individually evaluated
for impairment
|
|
Loans collectively evaluated for
impairment
|
|
Loans acquired with
deteriorated credit quality
|
|
Total |
|
Loans |
|
ALL |
|
Loans |
|
ALL |
|
Loans |
|
ALL |
|
Loans |
|
ALL |
Construction and Land Development |
$ |
36,417 |
|
|
$ |
538 |
|
|
$ |
707,317 |
|
|
$ |
5,502 |
|
|
$ |
5,986 |
|
|
$ |
— |
|
|
$ |
749,720 |
|
|
$ |
6,040 |
|
Commercial Real Estate - Owner Occupied |
11,018 |
|
|
358 |
|
|
821,680 |
|
|
4,256 |
|
|
27,388 |
|
|
— |
|
|
860,086 |
|
|
4,614 |
|
Commercial Real Estate - Non-Owner Occupied |
6,235 |
|
|
75 |
|
|
1,250,726 |
|
|
6,854 |
|
|
13,519 |
|
|
— |
|
|
1,270,480 |
|
|
6,929 |
|
Multifamily Real Estate |
3,828 |
|
|
— |
|
|
317,145 |
|
|
1,606 |
|
|
1,555 |
|
|
— |
|
|
322,528 |
|
|
1,606 |
|
Commercial & Industrial |
2,663 |
|
|
441 |
|
|
430,889 |
|
|
2,722 |
|
|
1,813 |
|
|
— |
|
|
435,365 |
|
|
3,163 |
|
Residential 1-4 Family - Commercial |
9,105 |
|
|
266 |
|
|
491,839 |
|
|
2,759 |
|
|
16,119 |
|
|
— |
|
|
517,063 |
|
|
3,025 |
|
Residential 1-4 Family - Mortgage |
4,045 |
|
|
152 |
|
|
452,321 |
|
|
2,237 |
|
|
5,040 |
|
|
— |
|
|
461,406 |
|
|
2,389 |
|
Auto |
199 |
|
|
1 |
|
|
233,862 |
|
|
1,702 |
|
|
— |
|
|
— |
|
|
234,061 |
|
|
1,703 |
|
HELOC |
2,478 |
|
|
76 |
|
|
512,457 |
|
|
2,858 |
|
|
1,791 |
|
|
— |
|
|
516,726 |
|
|
2,934 |
|
Consumer and all other |
574 |
|
|
95 |
|
|
302,927 |
|
|
1,549 |
|
|
526 |
|
|
— |
|
|
304,027 |
|
|
1,644 |
|
Total loans held for investment, net |
$ |
76,562 |
|
|
$ |
2,002 |
|
|
$ |
5,521,163 |
|
|
$ |
32,045 |
|
|
$ |
73,737 |
|
|
$ |
— |
|
|
$ |
5,671,462 |
|
|
$ |
34,047 |
|
|
| Loans Receivables Related Risk Rating |
The following table shows the recorded investment in all loans, excluding PCI loans, by segment with their related risk level as of December 31, 2017 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
Special Mention |
|
Substandard |
|
Doubtful |
|
Total |
Construction and Land Development |
$ |
869,111 |
|
|
$ |
62,517 |
|
|
$ |
14,325 |
|
|
$ |
— |
|
|
$ |
945,953 |
|
Commercial Real Estate - Owner Occupied |
872,130 |
|
|
52,268 |
|
|
4,745 |
|
|
— |
|
|
929,143 |
|
Commercial Real Estate - Non-Owner Occupied |
1,681,314 |
|
|
19,899 |
|
|
5,836 |
|
|
— |
|
|
1,707,049 |
|
Multifamily Real Estate |
349,625 |
|
|
7,374 |
|
|
— |
|
|
— |
|
|
356,999 |
|
Commercial & Industrial |
595,923 |
|
|
13,533 |
|
|
2,159 |
|
|
— |
|
|
611,615 |
|
Residential 1-4 Family - Commercial |
587,169 |
|
|
12,117 |
|
|
3,650 |
|
|
45 |
|
|
602,981 |
|
Residential 1-4 Family - Mortgage |
470,646 |
|
|
7,190 |
|
|
1,642 |
|
|
2,479 |
|
|
481,957 |
|
Auto |
278,063 |
|
|
4,131 |
|
|
119 |
|
|
161 |
|
|
282,474 |
|
HELOC |
531,358 |
|
|
3,867 |
|
|
857 |
|
|
489 |
|
|
536,571 |
|
Consumer and all other |
645,187 |
|
|
1,758 |
|
|
781 |
|
|
63 |
|
|
647,789 |
|
Total |
$ |
6,880,526 |
|
|
$ |
184,654 |
|
|
$ |
34,114 |
|
|
$ |
3,237 |
|
|
$ |
7,102,531 |
|
The following table shows the recorded investment in all loans, excluding PCI loans, by segment with their related risk level as of December 31, 2016 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
Special Mention |
|
Substandard |
|
Doubtful |
|
Total |
Construction and Land Development |
$ |
667,018 |
|
|
$ |
69,311 |
|
|
$ |
11,857 |
|
|
$ |
23 |
|
|
$ |
748,209 |
|
Commercial Real Estate - Owner Occupied |
801,565 |
|
|
32,364 |
|
|
5,533 |
|
|
— |
|
|
839,462 |
|
Commercial Real Estate - Non-Owner Occupied |
1,505,153 |
|
|
37,631 |
|
|
4,208 |
|
|
— |
|
|
1,546,992 |
|
Multifamily Real Estate |
312,711 |
|
|
19,499 |
|
|
— |
|
|
— |
|
|
332,210 |
|
Commercial & Industrial |
539,999 |
|
|
9,391 |
|
|
1,062 |
|
|
— |
|
|
550,452 |
|
Residential 1-4 Family - Commercial |
523,964 |
|
|
11,715 |
|
|
3,534 |
|
|
201 |
|
|
539,414 |
|
Residential 1-4 Family - Mortgage |
463,009 |
|
|
6,803 |
|
|
1,279 |
|
|
2,842 |
|
|
473,933 |
|
Auto |
258,188 |
|
|
3,648 |
|
|
135 |
|
|
100 |
|
|
262,071 |
|
HELOC |
519,928 |
|
|
4,225 |
|
|
969 |
|
|
601 |
|
|
525,723 |
|
Consumer and all other |
425,520 |
|
|
3,491 |
|
|
40 |
|
|
251 |
|
|
429,302 |
|
Total |
$ |
6,017,055 |
|
|
$ |
198,078 |
|
|
$ |
28,617 |
|
|
$ |
4,018 |
|
|
$ |
6,247,768 |
|
|
| Schedule of Acquired Loan Portfolio and Accretable Yield |
The following shows changes in the accretable yield for loans accounted for under ASC 310-30, Receivables – Loans and Debt Securities Acquired with Deteriorated Credit Quality, for the periods presented (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
For the year ended
December 31,
|
|
2017 |
|
2016 |
Balance at beginning of period |
$ |
19,739 |
|
|
$ |
22,139 |
|
Accretion |
(6,426 |
) |
|
(5,611 |
) |
Reclass of nonaccretable difference due to improvement in expected cash flows |
2,237 |
|
|
5,089 |
|
Other, net (1)
|
(987 |
) |
|
(1,878 |
) |
Balance at end of period |
$ |
14,563 |
|
|
$ |
19,739 |
|
(1) This line item represents changes in the cash flows expected to be collected due to the impact of non-credit changes such as prepayment assumptions, changes in interest rates on variable rate PCI loans, and discounted payoffs that occurred in the year.
|
| Purchased Impaired |
|
| Accounts, Notes, Loans and Financing Receivable [Line Items] |
|
| Summary of Aging of the Loan Portfolio by Class |
The following table shows the PCI loan portfolios, by segment and their delinquency status, at December 31, 2017 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
30-89 Days
Past Due
|
|
Greater than
90 Days
|
|
Current |
|
Total |
Construction and Land Development |
$ |
8 |
|
|
$ |
57 |
|
|
$ |
2,773 |
|
|
$ |
2,838 |
|
Commercial Real Estate - Owner Occupied |
381 |
|
|
478 |
|
|
13,931 |
|
|
14,790 |
|
Commercial Real Estate - Non-Owner Occupied |
188 |
|
|
233 |
|
|
6,189 |
|
|
6,610 |
|
Multifamily Real Estate |
— |
|
|
— |
|
|
80 |
|
|
80 |
|
Commercial & Industrial |
— |
|
|
— |
|
|
408 |
|
|
408 |
|
Residential 1-4 Family - Commercial |
433 |
|
|
351 |
|
|
8,630 |
|
|
9,414 |
|
Residential 1-4 Family - Mortgage |
343 |
|
|
626 |
|
|
2,764 |
|
|
3,733 |
|
HELOC |
291 |
|
|
214 |
|
|
445 |
|
|
950 |
|
Consumer and all other |
— |
|
|
— |
|
|
198 |
|
|
198 |
|
Total |
$ |
1,644 |
|
|
$ |
1,959 |
|
|
$ |
35,418 |
|
|
$ |
39,021 |
|
The following table shows the PCI loan portfolios, by segment and their delinquency status, at December 31, 2016 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
30-89 Days
Past Due
|
|
Greater than
90 Days
|
|
Current |
|
Total |
Construction and Land Development |
$ |
— |
|
|
$ |
84 |
|
|
$ |
2,838 |
|
|
$ |
2,922 |
|
Commercial Real Estate - Owner Occupied |
271 |
|
|
519 |
|
|
17,553 |
|
|
18,343 |
|
Commercial Real Estate - Non-Owner Occupied |
409 |
|
|
126 |
|
|
16,768 |
|
|
17,303 |
|
Multifamily Real Estate |
— |
|
|
— |
|
|
2,066 |
|
|
2,066 |
|
Commercial & Industrial |
44 |
|
|
56 |
|
|
974 |
|
|
1,074 |
|
Residential 1-4 Family - Commercial |
964 |
|
|
93 |
|
|
11,165 |
|
|
12,222 |
|
Residential 1-4 Family - Mortgage |
334 |
|
|
852 |
|
|
2,792 |
|
|
3,978 |
|
HELOC |
175 |
|
|
121 |
|
|
865 |
|
|
1,161 |
|
Consumer and all other |
— |
|
|
— |
|
|
223 |
|
|
223 |
|
Total |
$ |
2,197 |
|
|
$ |
1,851 |
|
|
$ |
55,244 |
|
|
$ |
59,292 |
|
|
| Loans Receivables Related Risk Rating |
The following table shows the recorded investment in only PCI loans by segment with their related risk level as of December 31, 2017 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
Special Mention |
|
Substandard |
|
Doubtful |
|
Total |
Construction and Land Development |
$ |
1,462 |
|
|
$ |
1,260 |
|
|
$ |
116 |
|
|
$ |
— |
|
|
$ |
2,838 |
|
Commercial Real Estate - Owner Occupied |
4,958 |
|
|
7,486 |
|
|
2,346 |
|
|
— |
|
|
14,790 |
|
Commercial Real Estate - Non-Owner Occupied |
3,920 |
|
|
1,394 |
|
|
1,296 |
|
|
— |
|
|
6,610 |
|
Multifamily Real Estate |
— |
|
|
80 |
|
|
— |
|
|
— |
|
|
80 |
|
Commercial & Industrial |
85 |
|
|
123 |
|
|
200 |
|
|
— |
|
|
408 |
|
Residential 1-4 Family - Commercial |
5,234 |
|
|
2,877 |
|
|
1,303 |
|
|
— |
|
|
9,414 |
|
Residential 1-4 Family - Mortgage |
2,764 |
|
|
329 |
|
|
71 |
|
|
569 |
|
|
3,733 |
|
HELOC |
446 |
|
|
291 |
|
|
94 |
|
|
119 |
|
|
950 |
|
Consumer and all other |
148 |
|
|
41 |
|
|
9 |
|
|
— |
|
|
198 |
|
Total |
$ |
19,017 |
|
|
$ |
13,881 |
|
|
$ |
5,435 |
|
|
$ |
688 |
|
|
$ |
39,021 |
|
The following table shows the recorded investment in only PCI loans by segment with their related risk level as of December 31, 2016 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
Special Mention |
|
Substandard |
|
Doubtful |
|
Total |
Construction and Land Development |
$ |
1,092 |
|
|
$ |
1,432 |
|
|
$ |
398 |
|
|
$ |
— |
|
|
$ |
2,922 |
|
Commercial Real Estate - Owner Occupied |
5,520 |
|
|
8,889 |
|
|
3,934 |
|
|
— |
|
|
18,343 |
|
Commercial Real Estate - Non-Owner Occupied |
10,927 |
|
|
4,638 |
|
|
1,738 |
|
|
— |
|
|
17,303 |
|
Multifamily Real Estate |
343 |
|
|
1,723 |
|
|
— |
|
|
— |
|
|
2,066 |
|
Commercial & Industrial |
107 |
|
|
480 |
|
|
487 |
|
|
— |
|
|
1,074 |
|
Residential 1-4 Family - Commercial |
5,959 |
|
|
3,943 |
|
|
2,320 |
|
|
— |
|
|
12,222 |
|
Residential 1-4 Family - Mortgage |
2,598 |
|
|
512 |
|
|
352 |
|
|
516 |
|
|
3,978 |
|
HELOC |
857 |
|
|
183 |
|
|
7 |
|
|
114 |
|
|
1,161 |
|
Consumer and all other |
166 |
|
|
37 |
|
|
20 |
|
|
— |
|
|
223 |
|
Total |
$ |
27,569 |
|
|
$ |
21,837 |
|
|
$ |
9,256 |
|
|
$ |
630 |
|
|
$ |
59,292 |
|
|