LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
|
6 Months Ended |
Jun. 30, 2018 |
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 June 30, 2018 and December 31, 2017 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
June 30, 2018 |
|
December 31, 2017 |
Construction and Land Development |
$ |
1,250,448 |
|
|
$ |
948,791 |
|
Commercial Real Estate - Owner Occupied |
1,293,791 |
|
|
943,933 |
|
Commercial Real Estate - Non-Owner Occupied |
2,318,589 |
|
|
1,713,659 |
|
Multifamily Real Estate |
541,730 |
|
|
357,079 |
|
Commercial & Industrial |
1,093,771 |
|
|
612,023 |
|
Residential 1-4 Family - Commercial |
723,945 |
|
|
612,395 |
|
Residential 1-4 Family - Mortgage |
607,155 |
|
|
485,690 |
|
Auto |
296,706 |
|
|
282,474 |
|
HELOC |
626,916 |
|
|
537,521 |
|
Consumer |
298,021 |
|
|
408,667 |
|
Other Commercial |
239,187 |
|
|
239,320 |
|
Total loans held for investment, net (1)
|
$ |
9,290,259 |
|
|
$ |
7,141,552 |
|
(1) Loans, as presented, are net of deferred fees and costs totaling $2.6 million and $1.3 million as of June 30, 2018 and December 31, 2017, 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 June 30, 2018 (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 |
$ |
648 |
|
|
$ |
292 |
|
|
$ |
144 |
|
|
$ |
5,183 |
|
|
$ |
6,485 |
|
|
$ |
1,237,696 |
|
|
$ |
1,250,448 |
|
Commercial Real Estate - Owner Occupied |
3,775 |
|
|
1,819 |
|
|
2,512 |
|
|
26,720 |
|
|
2,845 |
|
|
1,256,120 |
|
|
1,293,791 |
|
Commercial Real Estate - Non-Owner Occupied |
44 |
|
|
— |
|
|
— |
|
|
24,680 |
|
|
3,068 |
|
|
2,290,797 |
|
|
2,318,589 |
|
Multifamily Real Estate |
86 |
|
|
— |
|
|
— |
|
|
84 |
|
|
— |
|
|
541,560 |
|
|
541,730 |
|
Commercial & Industrial |
1,921 |
|
|
1,567 |
|
|
100 |
|
|
1,851 |
|
|
1,387 |
|
|
1,086,945 |
|
|
1,093,771 |
|
Residential 1-4 Family - Commercial |
2,216 |
|
|
754 |
|
|
132 |
|
|
17,227 |
|
|
1,998 |
|
|
701,618 |
|
|
723,945 |
|
Residential 1-4 Family - Mortgage |
4,926 |
|
|
2,988 |
|
|
2,669 |
|
|
18,002 |
|
|
7,552 |
|
|
571,018 |
|
|
607,155 |
|
Auto |
2,187 |
|
|
419 |
|
|
121 |
|
|
11 |
|
|
463 |
|
|
293,505 |
|
|
296,706 |
|
HELOC |
2,505 |
|
|
1,622 |
|
|
570 |
|
|
6,890 |
|
|
1,669 |
|
|
613,660 |
|
|
626,916 |
|
Consumer and all
other(1)
|
2,722 |
|
|
761 |
|
|
673 |
|
|
876 |
|
|
195 |
|
|
531,981 |
|
|
537,208 |
|
Total loans held for investment |
$ |
21,030 |
|
|
$ |
10,222 |
|
|
$ |
6,921 |
|
|
$ |
101,524 |
|
|
$ |
25,662 |
|
|
$ |
9,124,900 |
|
|
$ |
9,290,259 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
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(1)
|
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 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
|
Impaired Loans by Class |
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, by segment at June 30, 2018 and December 31, 2017 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
June 30, 2018 |
|
December 31, 2017 |
|
Recorded
Investment
|
|
Unpaid
Principal
Balance
|
|
Related
Allowance
|
|
Recorded
Investment
|
|
Unpaid
Principal
Balance
|
|
Related
Allowance
|
Loans without a specific allowance |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
$ |
12,234 |
|
|
$ |
12,326 |
|
|
$ |
— |
|
|
$ |
16,035 |
|
|
$ |
16,214 |
|
|
$ |
— |
|
Commercial Real Estate - Owner Occupied |
10,318 |
|
|
10,571 |
|
|
— |
|
|
5,427 |
|
|
5,527 |
|
|
— |
|
Commercial Real Estate - Non-Owner Occupied |
7,104 |
|
|
7,382 |
|
|
— |
|
|
6,017 |
|
|
6,103 |
|
|
— |
|
Commercial & Industrial |
4,613 |
|
|
5,144 |
|
|
— |
|
|
1,681 |
|
|
1,933 |
|
|
— |
|
Residential 1-4 Family - Commercial |
6,548 |
|
|
7,376 |
|
|
— |
|
|
4,098 |
|
|
4,879 |
|
|
— |
|
Residential 1-4 Family - Mortgage |
13,783 |
|
|
14,222 |
|
|
— |
|
|
9,512 |
|
|
9,786 |
|
|
|
HELOC |
2,922 |
|
|
3,040 |
|
|
— |
|
|
2,056 |
|
|
2,144 |
|
|
— |
|
Consumer and all other(1)
|
572 |
|
|
747 |
|
|
— |
|
|
567 |
|
|
734 |
|
|
— |
|
Total impaired loans without a specific allowance |
$ |
58,094 |
|
|
$ |
60,808 |
|
|
$ |
— |
|
|
$ |
45,393 |
|
|
$ |
47,320 |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans with a specific allowance |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
$ |
948 |
|
|
$ |
957 |
|
|
$ |
83 |
|
|
$ |
1,536 |
|
|
$ |
1,573 |
|
|
$ |
122 |
|
Commercial Real Estate - Owner Occupied |
2,805 |
|
|
2,808 |
|
|
59 |
|
|
1,161 |
|
|
1,161 |
|
|
94 |
|
Commercial Real Estate - Non-Owner Occupied |
78 |
|
|
78 |
|
|
1 |
|
|
— |
|
|
— |
|
|
— |
|
Commercial & Industrial |
905 |
|
|
907 |
|
|
41 |
|
|
1,295 |
|
|
1,319 |
|
|
128 |
|
Residential 1-4 Family - Commercial |
1,033 |
|
|
1,036 |
|
|
131 |
|
|
1,062 |
|
|
1,068 |
|
|
35 |
|
Residential 1-4 Family - Mortgage |
4,813 |
|
|
4,929 |
|
|
333 |
|
|
1,953 |
|
|
2,070 |
|
|
36 |
|
Auto |
881 |
|
|
1,081 |
|
|
3 |
|
|
413 |
|
|
577 |
|
|
2 |
|
HELOC |
1,459 |
|
|
1,469 |
|
|
5 |
|
|
464 |
|
|
535 |
|
|
51 |
|
Consumer and all other(1)
|
169 |
|
|
314 |
|
|
1 |
|
|
204 |
|
|
309 |
|
|
35 |
|
Total impaired loans with a specific allowance |
$ |
13,091 |
|
|
$ |
13,579 |
|
|
$ |
657 |
|
|
$ |
8,088 |
|
|
$ |
8,612 |
|
|
$ |
503 |
|
Total impaired loans |
$ |
71,185 |
|
|
$ |
74,387 |
|
|
$ |
657 |
|
|
$ |
53,481 |
|
|
$ |
55,932 |
|
|
$ |
503 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
The following tables show the average recorded investment and interest income recognized for the Company’s impaired loans, excluding PCI loans, by segment for the three and six months ended June 30, 2018 and 2017 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Three Months Ended June 30, 2018 |
|
Six Months Ended June 30, 2018 |
|
Average
Investment
|
|
Interest Income
Recognized
|
|
Average
Investment
|
|
Interest Income
Recognized
|
Construction and Land Development |
$ |
12,572 |
|
|
$ |
68 |
|
|
$ |
12,458 |
|
|
$ |
145 |
|
Commercial Real Estate - Owner Occupied |
13,130 |
|
|
116 |
|
|
13,262 |
|
|
238 |
|
Commercial Real Estate - Non-Owner Occupied |
7,187 |
|
|
48 |
|
|
7,496 |
|
|
109 |
|
Commercial & Industrial |
5,792 |
|
|
57 |
|
|
5,970 |
|
|
130 |
|
Residential 1-4 Family - Commercial |
7,744 |
|
|
72 |
|
|
7,839 |
|
|
140 |
|
Residential 1-4 Family - Mortgage |
18,876 |
|
|
63 |
|
|
18,951 |
|
|
163 |
|
Auto |
1,002 |
|
|
6 |
|
|
1,056 |
|
|
17 |
|
HELOC |
4,439 |
|
|
34 |
|
|
4,447 |
|
|
69 |
|
Consumer and all other(1)
|
756 |
|
|
9 |
|
|
776 |
|
|
16 |
|
Total impaired loans |
$ |
71,498 |
|
|
$ |
473 |
|
|
$ |
72,255 |
|
|
$ |
1,027 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Three Months Ended June 30, 2017 |
|
Six Months Ended June 30, 2017 |
|
Average
Investment
|
|
Interest Income
Recognized
|
|
Average
Investment
|
|
Interest Income
Recognized
|
Construction and Land Development |
15,111 |
|
|
119 |
|
|
14,939 |
|
|
235 |
|
Commercial Real Estate - Owner Occupied |
6,471 |
|
|
61 |
|
|
6,507 |
|
|
122 |
|
Commercial Real Estate - Non-Owner Occupied |
9,675 |
|
|
48 |
|
|
9,698 |
|
|
139 |
|
Commercial & Industrial |
6,942 |
|
|
41 |
|
|
7,212 |
|
|
72 |
|
Residential 1-4 Family - Commercial |
4,539 |
|
|
30 |
|
|
4,570 |
|
|
66 |
|
Residential 1-4 Family - Mortgage |
8,772 |
|
|
13 |
|
|
8,802 |
|
|
42 |
|
Auto |
347 |
|
|
2 |
|
|
368 |
|
|
2 |
|
HELOC |
2,265 |
|
|
1 |
|
|
2,273 |
|
|
5 |
|
Consumer and all other(1)
|
564 |
|
|
8 |
|
|
405 |
|
|
7 |
|
Total impaired loans |
54,686 |
|
|
323 |
|
|
54,774 |
|
|
690 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
|
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 on nonaccrual status, which are considered to be nonperforming, as of June 30, 2018 and December 31, 2017 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
June 30, 2018 |
|
December 31, 2017 |
|
No. of
Loans
|
|
Recorded
Investment
|
|
Outstanding
Commitment
|
|
No. of
Loans
|
|
Recorded
Investment
|
|
Outstanding
Commitment
|
Performing |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
4 |
|
|
$ |
2,521 |
|
|
$ |
— |
|
|
7 |
|
|
$ |
2,803 |
|
|
$ |
— |
|
Commercial Real Estate - Owner Occupied |
10 |
|
|
3,463 |
|
|
— |
|
|
5 |
|
|
2,221 |
|
|
— |
|
Commercial Real Estate - Non-Owner Occupied |
2 |
|
|
570 |
|
|
— |
|
|
2 |
|
|
715 |
|
|
— |
|
Commercial & Industrial |
4 |
|
|
888 |
|
|
— |
|
|
12 |
|
|
2,057 |
|
|
— |
|
Residential 1-4 Family - Commercial |
22 |
|
|
2,193 |
|
|
— |
|
|
16 |
|
|
1,048 |
|
|
— |
|
Residential 1-4 Family - Mortgage |
28 |
|
|
5,553 |
|
|
— |
|
|
24 |
|
|
5,194 |
|
|
— |
|
HELOC |
1 |
|
|
20 |
|
|
— |
|
|
1 |
|
|
20 |
|
|
— |
|
Consumer and all other (1)
|
1 |
|
|
488 |
|
|
— |
|
|
1 |
|
|
495 |
|
|
— |
|
Total performing |
72 |
|
|
$ |
15,696 |
|
|
$ |
— |
|
|
68 |
|
|
$ |
14,553 |
|
|
$ |
— |
|
Nonperforming |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
3 |
|
|
$ |
1,049 |
|
|
$ |
— |
|
|
2 |
|
|
$ |
702 |
|
|
$ |
— |
|
Commercial Real Estate - Owner Occupied |
2 |
|
|
209 |
|
|
— |
|
|
2 |
|
|
134 |
|
|
— |
|
Commercial & Industrial |
9 |
|
|
781 |
|
|
— |
|
|
2 |
|
|
108 |
|
|
— |
|
Residential 1-4 Family - Commercial |
2 |
|
|
81 |
|
|
— |
|
|
5 |
|
|
558 |
|
|
— |
|
Residential 1-4 Family - Mortgage |
11 |
|
|
1,808 |
|
|
— |
|
|
7 |
|
|
1,264 |
|
|
— |
|
HELOC |
1 |
|
|
58 |
|
|
— |
|
|
1 |
|
|
59 |
|
|
— |
|
Consumer and all other (1)
|
1 |
|
|
15 |
|
|
— |
|
|
1 |
|
|
24 |
|
|
— |
|
Total nonperforming |
29 |
|
|
$ |
4,001 |
|
|
$ |
— |
|
|
20 |
|
|
$ |
2,849 |
|
|
$ |
— |
|
Total performing and nonperforming |
101 |
|
|
$ |
19,697 |
|
|
$ |
— |
|
|
88 |
|
|
$ |
17,402 |
|
|
$ |
— |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
|
Schedule of TDR by Class and Modification Type |
The following table shows, by segment and modification type, TDRs that occurred during the three and six months ended June 30, 2018 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 |
|
Three Months Ended June 30, 2018 |
|
Six Months Ended June 30, 2018 |
|
Three Months Ended June 30, 2018 |
|
Six Months Ended June 30, 2018 |
|
No. of
Loans
|
|
Recorded
Investment at
Period End
|
|
No. of
Loans
|
|
Recorded
Investment at
Period End
|
|
No. of
Loans
|
|
Recorded
Investment
|
|
No. of
Loans
|
|
Recorded
Investment
|
Modified to interest only, at a market rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total interest only at market rate of interest |
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Term modification, at a market rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
2 |
|
|
$ |
1,263 |
|
|
2 |
|
|
$ |
1,263 |
|
|
1 |
|
|
$ |
255 |
|
|
3 |
|
|
$ |
1,270 |
|
Commercial Real Estate - Owner Occupied |
2 |
|
|
564 |
|
|
5 |
|
|
1,375 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Commercial & Industrial |
1 |
|
|
63 |
|
|
1 |
|
|
63 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Residential 1-4 Family - Commercial |
1 |
|
|
72 |
|
|
2 |
|
|
221 |
|
|
— |
|
|
— |
|
|
1 |
|
|
60 |
|
Residential 1-4 Family - Mortgage |
4 |
|
|
475 |
|
|
5 |
|
|
615 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Total loan term extended at a market rate |
10 |
|
|
$ |
2,437 |
|
|
15 |
|
|
$ |
3,537 |
|
|
1 |
|
|
$ |
255 |
|
|
4 |
|
|
$ |
1,330 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Term modification, below market rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Residential 1-4 Family - Commercial |
3 |
|
|
$ |
608 |
|
|
3 |
|
|
$ |
608 |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
Residential 1-4 Family - Mortgage |
2 |
|
|
248 |
|
|
4 |
|
|
413 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Total loan term extended at a below market rate |
5 |
|
|
$ |
856 |
|
|
7 |
|
|
$ |
1,021 |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
15 |
|
|
$ |
3,293 |
|
|
22 |
|
|
$ |
4,558 |
|
|
1 |
|
|
$ |
255 |
|
|
4 |
|
|
$ |
1,330 |
|
The following table shows, by segment and modification type, TDRs that occurred during the three and six months ended June 30, 2017 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 |
|
Three Months Ended June 30, 2017 |
|
Six Months Ended June 30, 2017 |
|
Three Months Ended June 30, 2017 |
|
Six Months Ended June 30, 2017 |
|
No. of
Loans
|
|
Recorded
Investment at
Period End
|
|
No. of
Loans
|
|
Recorded
Investment at
Period End
|
|
No. of
Loans
|
|
Recorded
Investment
|
|
No. of
Loans
|
|
Recorded
Investment
|
Modified to interest only, at a market rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
|
2 |
|
|
$ |
240 |
|
|
2 |
|
|
$ |
240 |
|
Commercial Real Estate - Owner Occupied |
— |
|
|
— |
|
|
— |
|
|
— |
|
|
1 |
|
|
469 |
|
|
1 |
|
|
469 |
|
Commercial & Industrial |
— |
|
|
— |
|
|
5 |
|
|
661 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Residential 1-4 Family - Commercial |
— |
|
|
— |
|
|
— |
|
|
— |
|
|
1 |
|
|
158 |
|
|
1 |
|
|
158 |
|
Total interest only at market rate of interest |
— |
|
|
$ |
— |
|
|
5 |
|
|
$ |
661 |
|
|
4 |
|
|
$ |
867 |
|
|
4 |
|
|
$ |
867 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Term modification, at a market rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Construction and Land Development |
3 |
|
|
$ |
1,084 |
|
|
3 |
|
|
$ |
1,084 |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
Commercial Real Estate - Non-Owner Occupied |
— |
|
|
— |
|
|
2 |
|
|
1,631 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Commercial & Industrial |
2 |
|
|
157 |
|
|
4 |
|
|
973 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Residential 1-4 Family - Commercial |
— |
|
|
— |
|
|
1 |
|
|
206 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Residential 1-4 Family - Mortgage |
2 |
|
|
562 |
|
|
4 |
|
|
733 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Consumer and all other(1)
|
1 |
|
|
495 |
|
|
1 |
|
|
495 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Total loan term extended at a market rate |
8 |
|
|
$ |
2,298 |
|
|
15 |
|
|
$ |
5,122 |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Term modification, below market rate |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial Real Estate - Owner Occupied |
1 |
|
|
$ |
844 |
|
|
1 |
|
|
$ |
844 |
|
|
— |
|
|
$ |
— |
|
|
— |
|
|
$ |
— |
|
Commercial & Industrial |
1 |
|
|
85 |
|
|
3 |
|
|
195 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Residential 1-4 Family - Commercial |
— |
|
|
— |
|
|
2 |
|
|
86 |
|
|
— |
|
|
— |
|
|
— |
|
|
— |
|
Residential 1-4 Family - Mortgage |
3 |
|
|
244 |
|
|
5 |
|
|
1,021 |
|
|
1 |
|
|
261 |
|
|
1 |
|
|
261 |
|
Total loan term extended at a below market rate |
5 |
|
|
$ |
1,173 |
|
|
11 |
|
|
$ |
2,146 |
|
|
1 |
|
|
$ |
261 |
|
|
1 |
|
|
$ |
261 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
13 |
|
|
$ |
3,471 |
|
|
31 |
|
|
$ |
7,929 |
|
|
5 |
|
|
$ |
1,128 |
|
|
5 |
|
|
$ |
1,128 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
|
Allowance for Loan Loss Activity, by Portfolio Segment, Balances for Allowance for Credit Losses, and Loans Based on Impairment Methodology |
The following tables show the allowance for loan loss activity by segment for the six months ended June 30, 2018 and 2017. The tables below include the provision for loan losses. 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):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Six Months Ended June 30, 2018 |
|
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 |
$ |
9,709 |
|
|
$ |
279 |
|
|
$ |
(61 |
) |
|
$ |
(600 |
) |
|
$ |
9,327 |
|
Commercial Real Estate - Owner Occupied |
2,931 |
|
|
346 |
|
|
(125 |
) |
|
788 |
|
|
3,940 |
|
Commercial Real Estate - Non-Owner Occupied |
7,544 |
|
|
7 |
|
|
(94 |
) |
|
295 |
|
|
7,752 |
|
Multifamily Real Estate |
1,092 |
|
|
5 |
|
|
— |
|
|
633 |
|
|
1,730 |
|
Commercial & Industrial |
4,552 |
|
|
260 |
|
|
(459 |
) |
|
2,029 |
|
|
6,382 |
|
Residential 1-4 Family - Commercial |
4,437 |
|
|
140 |
|
|
(113 |
) |
|
(1,927 |
) |
|
2,537 |
|
Residential 1-4 Family - Mortgage |
1,524 |
|
|
202 |
|
|
(141 |
) |
|
304 |
|
|
1,889 |
|
Auto |
975 |
|
|
190 |
|
|
(480 |
) |
|
403 |
|
|
1,088 |
|
HELOC |
1,360 |
|
|
469 |
|
|
(267 |
) |
|
(263 |
) |
|
1,299 |
|
Consumer and all other(1)
|
4,084 |
|
|
783 |
|
|
(3,799 |
) |
|
4,258 |
|
|
5,326 |
|
Total |
$ |
38,208 |
|
|
$ |
2,681 |
|
|
$ |
(5,539 |
) |
|
$ |
5,920 |
|
|
$ |
41,270 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Six Months Ended June 30, 2017 |
|
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 |
|
|
$ |
45 |
|
|
$ |
(253 |
) |
|
$ |
(792 |
) |
|
$ |
9,055 |
|
Commercial Real Estate - Owner Occupied |
3,801 |
|
|
65 |
|
|
— |
|
|
(514 |
) |
|
3,352 |
|
Commercial Real Estate - Non-Owner Occupied |
6,622 |
|
|
1 |
|
|
(677 |
) |
|
1,390 |
|
|
7,336 |
|
Multifamily Real Estate |
1,236 |
|
|
— |
|
|
— |
|
|
(117 |
) |
|
1,119 |
|
Commercial & Industrial |
4,627 |
|
|
262 |
|
|
(557 |
) |
|
1,282 |
|
|
5,614 |
|
Residential 1-4 Family - Commercial |
3,698 |
|
|
211 |
|
|
(158 |
) |
|
31 |
|
|
3,782 |
|
Residential 1-4 Family - Mortgage |
2,701 |
|
|
55 |
|
|
(308 |
) |
|
18 |
|
|
2,466 |
|
Auto |
946 |
|
|
249 |
|
|
(586 |
) |
|
311 |
|
|
920 |
|
HELOC |
1,328 |
|
|
202 |
|
|
(573 |
) |
|
383 |
|
|
1,340 |
|
Consumer and all other(1)
|
2,178 |
|
|
582 |
|
|
(1,848 |
) |
|
2,318 |
|
|
3,230 |
|
Total |
$ |
37,192 |
|
|
$ |
1,672 |
|
|
$ |
(4,960 |
) |
|
$ |
4,310 |
|
|
$ |
38,214 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
The following tables show the loan and allowance for loan loss balances based on impairment methodology by segment as of June 30, 2018 and December 31, 2017 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
June 30, 2018 |
|
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 |
$ |
13,182 |
|
|
$ |
83 |
|
|
$ |
1,232,083 |
|
|
$ |
9,244 |
|
|
$ |
5,183 |
|
|
$ |
— |
|
|
$ |
1,250,448 |
|
|
$ |
9,327 |
|
Commercial Real Estate - Owner Occupied |
13,123 |
|
|
59 |
|
|
1,253,948 |
|
|
3,881 |
|
|
26,720 |
|
|
— |
|
|
1,293,791 |
|
|
3,940 |
|
Commercial Real Estate - Non-Owner Occupied |
7,182 |
|
|
1 |
|
|
2,286,727 |
|
|
7,751 |
|
|
24,680 |
|
|
— |
|
|
2,318,589 |
|
|
7,752 |
|
Multifamily Real Estate |
— |
|
|
— |
|
|
541,646 |
|
|
1,730 |
|
|
84 |
|
|
— |
|
|
541,730 |
|
|
1,730 |
|
Commercial & Industrial |
5,518 |
|
|
41 |
|
|
1,086,402 |
|
|
6,341 |
|
|
1,851 |
|
|
— |
|
|
1,093,771 |
|
|
6,382 |
|
Residential 1-4 Family - Commercial |
7,581 |
|
|
131 |
|
|
699,137 |
|
|
2,406 |
|
|
17,227 |
|
|
— |
|
|
723,945 |
|
|
2,537 |
|
Residential 1-4 Family - Mortgage |
18,596 |
|
|
333 |
|
|
570,557 |
|
|
1,556 |
|
|
18,002 |
|
|
— |
|
|
607,155 |
|
|
1,889 |
|
Auto |
881 |
|
|
3 |
|
|
295,814 |
|
|
1,085 |
|
|
11 |
|
|
— |
|
|
296,706 |
|
|
1,088 |
|
HELOC |
4,381 |
|
|
5 |
|
|
615,645 |
|
|
1,294 |
|
|
6,890 |
|
|
— |
|
|
626,916 |
|
|
1,299 |
|
Consumer and all other(1)
|
741 |
|
|
1 |
|
|
535,591 |
|
|
5,325 |
|
|
876 |
|
|
— |
|
|
537,208 |
|
|
5,326 |
|
Total loans held for investment, net |
$ |
71,185 |
|
|
$ |
657 |
|
|
$ |
9,117,550 |
|
|
$ |
40,613 |
|
|
$ |
101,524 |
|
|
$ |
— |
|
|
$ |
9,290,259 |
|
|
$ |
41,270 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
December 31, 2017 |
|
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(1)
|
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 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
|
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 June 30, 2018 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
Special Mention |
|
Substandard |
|
Doubtful |
|
Total |
Construction and Land Development |
$ |
1,175,380 |
|
|
$ |
57,960 |
|
|
$ |
11,925 |
|
|
$ |
— |
|
|
$ |
1,245,265 |
|
Commercial Real Estate - Owner Occupied |
1,205,921 |
|
|
50,989 |
|
|
10,161 |
|
|
— |
|
|
1,267,071 |
|
Commercial Real Estate - Non-Owner Occupied |
2,245,538 |
|
|
41,367 |
|
|
7,004 |
|
|
— |
|
|
2,293,909 |
|
Multifamily Real Estate |
526,392 |
|
|
15,254 |
|
|
— |
|
|
— |
|
|
541,646 |
|
Commercial & Industrial |
1,056,472 |
|
|
33,041 |
|
|
2,407 |
|
|
— |
|
|
1,091,920 |
|
Residential 1-4 Family - Commercial |
686,817 |
|
|
15,161 |
|
|
4,740 |
|
|
— |
|
|
706,718 |
|
Residential 1-4 Family - Mortgage |
572,050 |
|
|
6,353 |
|
|
10,564 |
|
|
186 |
|
|
589,153 |
|
Auto |
293,409 |
|
|
2,531 |
|
|
737 |
|
|
18 |
|
|
296,695 |
|
HELOC |
613,491 |
|
|
3,044 |
|
|
3,491 |
|
|
— |
|
|
620,026 |
|
Consumer and all other(1)
|
532,554 |
|
|
3,067 |
|
|
697 |
|
|
14 |
|
|
536,332 |
|
Total |
$ |
8,908,024 |
|
|
$ |
228,767 |
|
|
$ |
51,726 |
|
|
$ |
218 |
|
|
$ |
9,188,735 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
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(1)
|
645,187 |
|
|
1,758 |
|
|
781 |
|
|
63 |
|
|
647,789 |
|
Total |
$ |
6,880,526 |
|
|
$ |
184,654 |
|
|
$ |
34,114 |
|
|
$ |
3,237 |
|
|
$ |
7,102,531 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
|
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 Six Months Ended June 30, |
|
2018 |
|
2017 |
Balance at beginning of period |
$ |
14,563 |
|
|
$ |
19,739 |
|
Additions |
12,225 |
|
|
— |
|
Accretion |
(4,673 |
) |
|
(3,188 |
) |
Reclass of nonaccretable difference due to improvement in expected cash flows |
139 |
|
|
2,072 |
|
Measurement period adjustment |
2,981 |
|
|
— |
|
Other, net (1)
|
70 |
|
|
(875 |
) |
Balance at end of period |
$ |
25,305 |
|
|
$ |
17,748 |
|
(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 quarter.
|
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 June 30, 2018 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
30-89 Days Past
Due
|
|
Greater than 90
Days
|
|
Current |
|
Total |
Construction and Land Development |
$ |
269 |
|
|
$ |
1,054 |
|
|
$ |
3,860 |
|
|
$ |
5,183 |
|
Commercial Real Estate - Owner Occupied |
171 |
|
|
4,026 |
|
|
22,523 |
|
|
26,720 |
|
Commercial Real Estate - Non-Owner Occupied |
37 |
|
|
2,256 |
|
|
22,387 |
|
|
24,680 |
|
Multifamily Real Estate |
— |
|
|
— |
|
|
84 |
|
|
84 |
|
Commercial & Industrial |
— |
|
|
536 |
|
|
1,315 |
|
|
1,851 |
|
Residential 1-4 Family - Commercial |
343 |
|
|
1,994 |
|
|
14,890 |
|
|
17,227 |
|
Residential 1-4 Family - Mortgage |
1,069 |
|
|
2,677 |
|
|
14,256 |
|
|
18,002 |
|
Auto |
— |
|
|
— |
|
|
11 |
|
|
11 |
|
HELOC |
405 |
|
|
659 |
|
|
5,826 |
|
|
6,890 |
|
Consumer and all other(1)
|
7 |
|
|
14 |
|
|
855 |
|
|
876 |
|
Total |
$ |
2,301 |
|
|
$ |
13,216 |
|
|
$ |
86,007 |
|
|
$ |
101,524 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
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(1)
|
— |
|
|
— |
|
|
198 |
|
|
198 |
|
Total |
$ |
1,644 |
|
|
$ |
1,959 |
|
|
$ |
35,418 |
|
|
$ |
39,021 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
|
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 June 30, 2018 (dollars in thousands):
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
Special Mention |
|
Substandard |
|
Doubtful |
|
Total |
Construction and Land Development |
$ |
1,784 |
|
|
$ |
1,286 |
|
|
$ |
2,113 |
|
|
$ |
— |
|
|
$ |
5,183 |
|
Commercial Real Estate - Owner Occupied |
3,643 |
|
|
16,444 |
|
|
6,633 |
|
|
— |
|
|
26,720 |
|
Commercial Real Estate - Non-Owner Occupied |
3,507 |
|
|
16,103 |
|
|
5,070 |
|
|
— |
|
|
24,680 |
|
Multifamily Real Estate |
— |
|
|
84 |
|
|
— |
|
|
— |
|
|
84 |
|
Commercial & Industrial |
871 |
|
|
210 |
|
|
770 |
|
|
— |
|
|
1,851 |
|
Residential 1-4 Family - Commercial |
6,467 |
|
|
7,235 |
|
|
3,525 |
|
|
— |
|
|
17,227 |
|
Residential 1-4 Family - Mortgage |
11,661 |
|
|
768 |
|
|
5,573 |
|
|
— |
|
|
18,002 |
|
Auto |
11 |
|
|
— |
|
|
— |
|
|
— |
|
|
11 |
|
HELOC |
4,611 |
|
|
854 |
|
|
1,395 |
|
|
30 |
|
|
6,890 |
|
Consumer and all other(1)
|
90 |
|
|
727 |
|
|
59 |
|
|
— |
|
|
876 |
|
Total |
$ |
32,645 |
|
|
$ |
43,711 |
|
|
$ |
25,138 |
|
|
$ |
30 |
|
|
$ |
101,524 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
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(1)
|
148 |
|
|
41 |
|
|
9 |
|
|
— |
|
|
198 |
|
Total |
$ |
19,017 |
|
|
$ |
13,881 |
|
|
$ |
5,435 |
|
|
$ |
688 |
|
|
$ |
39,021 |
|
(1)Consumer and Other Commercial are grouped together as Consumer and all other for reporting purposes.
|