Loans and Leases (Tables)

9 Months Ended

Sep. 30, 2017

Summary of Major Loan and Lease Categories



	At September 30, 2017
(Dollars in thousands)	Originated			Acquired		Total
Commercial, financial and agricultural	$	782,769		$	76,448	$	859,217
Real estate-commercial	1,176,956			339,018		1,515,974
Real estate-construction	149,917			6,156		156,073
Real estate-residential secured for business purpose	213,811			96,209		310,020
Real estate-residential secured for personal purpose	249,283			66,623		315,906
Real estate-home equity secured for personal purpose	166,810			11,585		178,395
Loans to individuals	27,297			144		27,441
Lease financings	124,138			—		124,138
Total loans and leases held for investment, net of deferred income	$	2,890,981		$	596,183	$	3,487,164
Unearned lease income, included in the above table	$	(13,864	)	$	—	$	(13,864	)
Net deferred costs, included in the above table	4,725			—		4,725
Overdraft deposits included in the above table	68			—		68



	At December 31, 2016
(Dollars in thousands)	Originated			Acquired		Total
Commercial, financial and agricultural	$	663,221		$	160,045	$	823,266
Real estate-commercial	909,581			465,368		1,374,949
Real estate-construction	142,891			31,953		174,844
Real estate-residential secured for business purpose	151,931			142,137		294,068
Real estate-residential secured for personal purpose	210,377			80,431		290,808
Real estate-home equity secured for personal purpose	147,982			14,857		162,839
Loans to individuals	30,110			263		30,373
Lease financings	134,739			—		134,739
Total loans and leases held for investment, net of deferred income	$	2,390,832		$	895,054	$	3,285,886
Unearned lease income, included in the above table	$	(15,970	)	$	—	$	(15,970	)
Net deferred costs, included in the above table	4,503			—		4,503
Overdraft deposits included in the above table	84			—		84

Schedule of Impaired Loans

The outstanding principal balance and carrying amount for acquired credit impaired loans at September 30, 2017 and December 31, 2016 were as follows:



(Dollars in thousands)	At September 30, 2017		At December 31, 2016
Outstanding principal balance	$	2,428	$	8,993
Carrying amount	1,622		7,352
Allowance for loan losses	—		—

The following table presents the changes in accretable yield on acquired credit impaired loans:



	Nine Months Ended September 30,
(Dollars in thousands)	2017			2016
Beginning of period	$	50		$	144
Acquisition of credit impaired loans	—			283
Reclassification from nonaccretable discount	823			318
Accretable discount amortized to interest income	(850		)	(501		)
Disposals	(4		)	(34		)
End of period	$	19		$	210

The following presents, by class of loans, the recorded investment and unpaid principal balance of impaired loans, the amounts of the impaired loans for which there is not a reserve for credit losses and the amounts for which there is a reserve for credit losses at September 30, 2017 and December 31, 2016. The impaired loans exclude acquired credit impaired loans.



	At September 30, 2017						At December 31, 2016
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Reserve		Recorded Investment		Unpaid Principal Balance		Related Reserve
Impaired loans with no related reserve recorded:
Commercial, financial and agricultural	$	7,721	$	9,332			$	10,911	$	12,561
Real estate—commercial real estate	15,727		16,616				24,469		25,342
Real estate—construction	365		365				—		—
Real estate—residential secured for business purpose	3,933		5,040				5,704		6,253
Real estate—residential secured for personal purpose	572		628				560		594
Real estate—home equity secured for personal purpose	360		367				525		528
Total impaired loans with no related reserve recorded	$	28,678	$	32,348			$	42,169	$	45,278
Impaired loans with a reserve recorded:
Commercial, financial and agricultural	$	162	$	165	$	15	$	166	$	166	$	19
Real estate—commercial real estate	1,182		1,182		40		597		597		25
Real estate—residential secured for business purpose	538		539		33		983		1,105		191
Total impaired loans with a reserve recorded	$	1,882	$	1,886	$	88	$	1,746	$	1,868	$	235



	At September 30, 2017						At December 31, 2016
(Dollars in thousands)	Recorded Investment		Unpaid Principal Balance		Related Reserve		Recorded Investment		Unpaid Principal Balance		Related Reserve
Total impaired loans:
Commercial, financial and agricultural	$	7,883	$	9,497	$	15	$	11,077	$	12,727	$	19
Real estate—commercial real estate	16,909		17,798		40		25,066		25,939		25
Real estate—construction	365		365		—		—		—		—
Real estate—residential secured for business purpose	4,471		5,579		33		6,687		7,358		191
Real estate—residential secured for personal purpose	572		628		—		560		594		—
Real estate—home equity secured for personal purpose	360		367		—		525		528		—
Total impaired loans	$	30,560	$	34,234	$	88	$	43,915	$	47,146	$	235

Schedule of Age Analysis of Past Due Loans and Leases

The following presents, by class of loans and leases, an aging of past due loans and leases, loans and leases which are current and the recorded investment in loans and leases 90 days or more past due which are accruing interest at September 30, 2017 and December 31, 2016:



(Dollars in thousands)	30-59 Days Past Due		60-89 Days Past Due		90 Days or more Past Due		Total Past Due		Current		Acquired Credit Impaired		Total Loans and Leases Held for Investment		Recorded Investment 90 Days or more Past Due and Accruing Interest
At September 30, 2017
Commercial, financial and agricultural	$	1,537	$	164	$	1,594	$	3,295	$	855,457	$	465	$	859,217	$	—
Real estate—commercial real estate and construction:
Commercial real estate	4,510		164		1,688		6,362		1,509,256		356		1,515,974		164
Construction	861		—		365		1,226		154,847		—		156,073		—
Real estate—residential and home equity:
Residential secured for business purpose	541		265		1,255		2,061		307,375		584		310,020		—
Residential secured for personal purpose	2,428		172		446		3,046		312,643		217		315,906		423
Home equity secured for personal purpose	1,497		36		451		1,984		176,411		—		178,395		282
Loans to individuals	155		154		198		507		26,934		—		27,441		198
Lease financings	1,458		1,318		2,231		5,007		119,131		—		124,138		528
Total	$	12,987	$	2,273	$	8,228	$	23,488	$	3,462,054	$	1,622	$	3,487,164	$	1,595
At December 31, 2016
Commercial, financial and agricultural	$	1,536	$	256	$	1,335	$	3,127	$	819,550	$	589	$	823,266	$	—
Real estate—commercial real estate and construction:
Commercial real estate	1,482		1,560		2,591		5,633		1,363,606		5,710		1,374,949		—
Construction	202		—		—		202		174,642		—		174,844		—
Real estate—residential and home equity:
Residential secured for business purpose	1,390		428		1,539		3,357		289,927		784		294,068		—
Residential secured for personal purpose	3,243		905		879		5,027		285,512		269		290,808		481
Home equity secured for personal purpose	717		142		521		1,380		161,459		—		162,839		171
Loans to individuals	324		95		142		561		29,812		—		30,373		142
Lease financings	1,731		1,418		729		3,878		130,861		—		134,739		193
Total	$	10,625	$	4,804	$	7,736	$	23,165	$	3,255,369	$	7,352	$	3,285,886	$	987

Schedule of Nonperforming Loans and Leases

The following presents, by class of loans and leases, nonperforming loans and leases at September 30, 2017 and December 31, 2016. Nonperforming loans exclude acquired credit impaired loans from Fox Chase and Valley Green.



	At September 30, 2017								At December 31, 2016
(Dollars in thousands)	Nonaccrual Loans and Leases*		Accruing Troubled Debt Restructured Loans and Lease Modifications		Loans and Leases 90 Days or more Past Due and Accruing Interest		Total Nonperforming Loans and Leases		Nonaccrual Loans and Leases*		Accruing Troubled Debt Restructured Loans and Lease Modifications		Loans and Leases 90 Days or more Past Due and Accruing Interest		Total Nonperforming Loans and Leases
Commercial, financial and agricultural	$	5,143	$	929	$	—	$	6,072	$	5,746	$	967	$	—	$	6,713
Real estate—commercial real estate and construction:
Commercial real estate	4,514		10,279		164		14,957		5,651		1,519		—		7,170
Construction	365		—		—		365		—		—		—		—
Real estate—residential and home equity:
Residential secured for business purpose	3,333		218		—		3,551		4,898		766		—		5,664
Residential secured for personal purpose	530		42		423		995		560		—		481		1,041
Home equity secured for personal purpose	361		—		282		643		525		—		171		696
Loans to individuals	—		—		198		198		—		—		142		142
Lease financings	1,703		—		528		2,231		536		—		193		729
Total	$	15,949	$	11,468	$	1,595	$	29,012	$	17,916	$	3,252	$	987	$	22,155

* Includes nonaccrual troubled debt restructured loans and lease modifications of $1.7 million and $1.8 million at September 30, 2017 and December 31, 2016, respectively.

Summary of Credit Quality Indicators

The following table presents classifications for originated loans:



(Dollars in thousands)	Real Estate— Residential Secured for Personal Purpose		Real Estate— Home Equity Secured for Personal Purpose		Loans to Individuals		Lease Financings		Total
At September 30, 2017
Performing	$	248,796	$	166,414	$	27,099	$	121,907	$	564,216
Nonperforming	487		396		198		2,231		3,312
Total	$	249,283	$	166,810	$	27,297	$	124,138	$	567,528
At December 31, 2016
Performing	$	210,208	$	147,286	$	29,968	$	134,010	$	521,472
Nonperforming	169		696		142		729		1,736
Total	$	210,377	$	147,982	$	30,110	$	134,739	$	523,208

The following table presents classifications for acquired loans:



(Dollars in thousands)	Real Estate— Residential Secured for Personal Purpose		Real Estate— Home Equity Secured for Personal Purpose		Loans to Individuals		Lease Financings		Total
At September 30, 2017
Performing	$	66,115	$	11,338	$	144	$	—	$	77,597
Nonperforming	508		247		—		—		755
Total	$	66,623	$	11,585	$	144	$	—	$	78,352
At December 31, 2016
Performing	$	79,559	$	14,857	$	263	$	—	$	94,679
Nonperforming	872		—		—		—		872
Total	$	80,431	$	14,857	$	263	$	—	$	95,551

The following tables present by class, the recorded investment in loans and leases held for investment by credit quality indicator at September 30, 2017 and December 31, 2016.

The Corporation employs a ten (10) grade risk rating system related to the credit quality of commercial loans and residential real estate loans secured for a business purpose of which the first six categories are pass categories (credits not adversely rated). The following is a description of the internal risk ratings and the likelihood of loss related to each risk rating.


1.	Cash Secured—No credit risk


2.	Fully Secured—Negligible credit risk


3.	Strong—Minimal credit risk


4.	Satisfactory—Nominal credit risk


5.	Acceptable—Moderate credit risk


6.	Pre-Watch—Marginal, but stable credit risk


7.	Special Mention—Potential weakness


8.	Substandard—Well-defined weakness


9.	Doubtful—Collection in-full improbable


10.	Loss—Considered uncollectible

Commercial Credit Exposure Credit Risk by Internally Assigned Grades

The following table presents classifications for originated loans:



(Dollars in thousands)	Commercial, Financial and Agricultural		Real Estate— Commercial		Real Estate— Construction		Real Estate— Residential Secured for Business Purpose		Total
At September 30, 2017
Grade:
1. Cash secured/ 2. Fully secured	$	2,314	$	—	$	15,194	$	1,700	$	19,208
3. Strong	13,707		1,921		—		—		15,628
4. Satisfactory	31,732		30,158		—		350		62,240
5. Acceptable	537,421		901,571		74,898		184,904		1,698,794
6. Pre-watch	174,775		203,340		58,266		21,587		457,968
7. Special Mention	1,891		10,499		1,194		299		13,883
8. Substandard	20,929		29,467		365		4,971		55,732
9. Doubtful	—		—		—		—		—
10.Loss	—		—		—		—		—
Total	$	782,769	$	1,176,956	$	149,917	$	213,811	$	2,323,453
At December 31, 2016
Grade:
1. Cash secured/ 2. Fully secured	$	272	$	—	$	13,714	$	162	$	14,148
3. Strong	14,980		2,045		—		—		17,025
4. Satisfactory	35,529		38,861		—		367		74,757
5. Acceptable	465,675		676,212		110,650		133,716		1,386,253
6. Pre-watch	113,499		128,646		18,213		12,025		272,383
7. Special Mention	8,820		22,439		314		1,199		32,772
8. Substandard	24,446		41,378		—		4,462		70,286
9. Doubtful	—		—		—		—		—
10.Loss	—		—		—		—		—
Total	$	663,221	$	909,581	$	142,891	$	151,931	$	1,867,624

The following table presents classifications for acquired loans:



(Dollars in thousands)	Commercial, Financial and Agricultural		Real Estate— Commercial		Real Estate— Construction		Real Estate— Residential Secured for Business Purpose		Total
At September 30, 2017
Grade:
1. Cash secured/ 2. Fully secured	$	1,115	$	—	$	—	$	—	$	1,115
3. Strong	—		—		—		—		—
4. Satisfactory	132		501		—		—		633
5. Acceptable	62,601		199,298		—		75,749		337,648
6. Pre-watch	7,206		130,897		6,156		17,918		162,177
7. Special Mention	—		1,143		—		—		1,143
8. Substandard	5,394		7,179		—		2,542		15,115
9. Doubtful	—		—		—		—		—
10.Loss	—		—		—		—		—
Total	$	76,448	$	339,018	$	6,156	$	96,209	$	517,831
December 31, 2016
Grade:
1. Cash secured/ 2. Fully secured	$	583	$	—	$	—	$	—	$	583
3. Strong	—		—		—		—		—
4. Satisfactory	4,399		1,018		—		—		5,417
5. Acceptable	113,512		282,199		20,565		117,322		533,598
6. Pre-watch	31,697		163,623		11,388		14,405		221,113
7. Special Mention	73		7,705		—		6,245		14,023
8. Substandard	9,781		10,823		—		4,165		24,769
9. Doubtful	—		—		—		—		—
10.Loss	—		—		—		—		—
Total	$	160,045	$	465,368	$	31,953	$	142,137	$	799,503

Summary of Activity in the Reserve for Loan and Lease Losses

eserve for Loan and Lease Losses and Recorded Investment in Loans and Leases

The following presents, by portfolio segment, a summary of the activity in the reserve for loan and lease losses for the three and nine months ended September 30, 2017 and 2016:



(Dollars in thousands)	Commercial, Financial and Agricultural			Real Estate— Commercial and Construction			Real Estate— Residential Secured for Business Purpose			Real Estate— Residential and Home Equity Secured for Personal Purpose			Loans to Individuals			Lease Financings			Unallocated			Total
Three Months Ended September 30, 2017
Reserve for loan and lease losses:
Beginning balance	$	8,313		$	8,468		$	1,129		$	974		$	329		$	1,660		$	37		$	20,910
Charge-offs	(290		)	—			(56		)	(83		)	(61		)	(3,097		)	N/A			(3,587		)
Recoveries	325			1			29			68			35			73			N/A			531
(Recovery of provision) provision	(1,732		)	787			204			756			51			2,654			(30		)	2,690
Recovery of provision for acquired credit impaired loans	—			—			(1		)	—			—			—			—			(1		)
Ending balance	$	6,616		$	9,256		$	1,305		$	1,715		$	354		$	1,290		$	7		$	20,543
Three Months Ended September 30, 2016
Reserve for loan and lease losses:
Beginning balance	$	5,788		$	7,549		$	56		$	1,301		$	411		$	1,121		$	927		$	17,153
Charge-offs	(1,753		)	(100		)	(3		)	(34		)	(123		)	(176		)	N/A			(2,189		)
Recoveries	351			83			9			15			28			34			N/A			520
Provision (recovery of provision)	1,300			(388		)	(32		)	268			114			184			(30		)	1,416
Recovery of provision for acquired credit impaired loans	—			—			—			(1		)	—			—			—			(1		)
Ending balance	$	5,686		$	7,144		$	30		$	1,549		$	430		$	1,163		$	897		$	16,899
Nine Months Ended September 30, 2017
Reserve for loan and lease losses:
Beginning balance	$	7,037		$	7,505		$	774		$	993		$	364		$	788		$	38		$	17,499
Charge-offs	(576		)	(30		)	(1,237		)	(177		)	(301		)	(3,681		)	N/A			(6,002		)
Recoveries	722			4			47			89			116			168			N/A			1,146
(Recovery of provision) provision	(567		)	1,777			1,722			808			175			4,015			(31		)	7,899
(Recovery of provision) provision for acquired credit impaired loans	—			—			(1		)	2			—			—			—			1
Ending balance	$	6,616		$	9,256		$	1,305		$	1,715		$	354		$	1,290		$	7		$	20,543
Nine Months Ended September 30, 2016
Reserve for loan and lease losses:
Beginning balance	$	6,418		$	6,572		$	763		$	1,575		$	346		$	1,042		$	912		$	17,628
Charge-offs	(3,580		)	(305		)	(268		)	(90		)	(307		)	(541		)	N/A			(5,091		)
Recoveries	1,316			99			62			66			91			157			N/A			1,791
Provision (recovery of provision)	1,532			600			(527		)	1			300			505			(15		)	2,396
Provision (recovery of provision) for acquired credit impaired loans	—			178			—			(3		)	—			—			—			175
Ending balance	$	5,686		$	7,144		$	30		$	1,549		$	430		$	1,163		$	897		$	16,899

N/A – Not applicable

Summary of Average Recorded Investment in Impaired Loans and Leases and Analysis of Interest on Impaired Loans

The following presents by class of loans, the average recorded investment in impaired loans and an analysis of interest on impaired loans. A loan may remain on accrual status if it is in the process of collection and is either guaranteed or well secured. Therefore, interest income on accruing impaired loans is recognized using the accrual method.



	Three Months Ended September 30, 2017						Three Months Ended September 30, 2016
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized*		Additional Interest Income That Would Have Been Recognized Under Original Terms		Average Recorded Investment		Interest Income Recognized*		Additional Interest Income That Would Have Been Recognized Under Original Terms
Commercial, financial and agricultural	$	10,211	$	52	$	92	$	12,880	$	62	$	108
Real estate—commercial real estate	18,583		201		69		25,309		273		58
Real estate—construction	365		—		5		—		—		—
Real estate—residential secured for business purpose	3,579		16		34		3,178		11		34
Real estate—residential secured for personal purpose	635		1		8		447		—		6
Real estate—home equity secured for personal purpose	288		—		5		598		—		7
Total	$	33,661	$	270	$	213	$	42,412	$	346	$	213


*	Includes interest income recognized on a cash basis for nonaccrual loans of $0 thousand for the three months ended September 30, 2017 and 2016, and interest income recognized on the accrual method for accruing impaired loans of $270 thousand and $346 thousand for the three months ended September 30, 2017 and 2016, respectively.



	Nine Months Ended September 30, 2017						Nine Months Ended September 30, 2016
(Dollars in thousands)	Average Recorded Investment		Interest Income Recognized*		Additional Interest Income That Would Have Been Recognized Under Original Terms		Average Recorded Investment		Interest Income Recognized*		Additional Interest Income That Would Have Been Recognized Under Original Terms
Commercial, financial and agricultural	$	11,030	$	162	$	263	$	13,233	$	204	$	281
Real estate—commercial real estate	21,120		618		223		27,346		859		186
Real estate—construction	219		—		15		—		—		—
Real estate—residential secured for business purpose	4,053		53		139		3,818		47		141
Real estate—residential secured for personal purpose	629		2		31		485		2		15
Real estate—home equity secured for personal purpose	391		—		15		408		—		18
Total	$	37,442	$	835	$	686	$	45,290	$	1,112	$	641

Schedule of Troubled Debt Restructured Loans

The following presents, by class of loans, information regarding accruing and nonaccrual loans that were restructured:



	Three Months Ended September 30, 2017							Three Months Ended September 30, 2016
(Dollars in thousands)	Number of Loans	Pre- Restructuring Outstanding Recorded Investment		Post- Restructuring Outstanding Recorded Investment		Related Reserve		Number of Loans	Pre- Restructuring Outstanding Recorded Investment		Post- Restructuring Outstanding Recorded Investment		Related Reserve
Accruing Troubled Debt Restructured Loans:
Total	—	$	—	$	—	$	—	—	$	—	$	—	$	—
Nonaccrual Troubled Debt Restructured Loans:
Real estate—residential secured for personal purpose	—	$	—	$	—	$	—	1	$	34	$	34	$	—
Total	—	$	—	$	—	$	—	1	$	34	$	34	$	—



	Nine Months Ended September 30, 2017							Nine Months Ended September 30, 2016
(Dollars in thousands)	Number of Loans	Pre- Restructuring Outstanding Recorded Investment		Post- Restructuring Outstanding Recorded Investment		Related Allowance		Number of Loans	Pre- Restructuring Outstanding Recorded Investment		Post- Restructuring Outstanding Recorded Investment		Related Allowance
Accruing Troubled Debt Restructured Loans:
Commercial, financial and agricultural	—	$	—	$	—	$	—	1	$	1,545	$	1,545	$	—
Real estate—commercial real estate	3	9,206		9,206		—		—	—		—		—
Real estate—residential secured for business purpose	—	—		—		—		1	415		415		—
Total	3	$	9,206	$	9,206	$	—	2	$	1,960	$	1,960	$	—
Nonaccrual Troubled Debt Restructured Loans:
Real estate—commercial real estate	1	$	328	$	328	$	—	—	$	—	$	—	$	—
Real estate—residential secured for personal purpose	—	—		—		—		1	34		34		—
Total	1	$	328	$	328	$	—	1	$	34	$	34	$	—

The Corporation held no foreclosed consumer residential real estate property at September 30, 2017 and December 31, 2016.

The following presents, by class of loans, information regarding consumer mortgages collateralized by residential real estate property that are in the process of foreclosure at September 30, 2017 and December 31, 2016:



(Dollars in thousands)	At September 30, 2017		At December 31, 2016
Real estate-home equity secured for personal purpose	$	—	$	180
Total	$	—	$	180

Summary of Concessions Granted on Restructured Loans

The following presents, by class of loans, information regarding the types of concessions granted on accruing and nonaccrual loans that were restructured during the three and nine months ended September 30, 2017 and 2016.



	Interest Only Term Extension			Maturity Date Extension			Amortization Period Extension			Total Concessions Granted
(Dollars in thousands)	No. of Loans	Amount		No. of Loans	Amount		No. of Loans	Amount		No. of Loans	Amount
Three Months Ended September 30, 2017
Accruing Troubled Debt Restructured Loans:
Total	—	$	—	—	$	—	—	$	—	—	$	—
Nonaccrual Troubled Debt Restructured Loans:
Total	—	$	—	—	$	—	—	$	—	—	$	—
Three Months Ended September 30, 2016
Accruing Troubled Debt Restructured Loans:
Total	—	$	—	—	$	—	—	$	—	—	$	—
Nonaccrual Troubled Debt Restructured Loans:
Real estate—residential secured for personal purpose	—	$	—	1	$	34	—	$	—	1	$	34
Total	—	$	—	1	$	34	—	$	—	1	$	34
Nine Months Ended September 30, 2017
Accruing Troubled Debt Restructured Loans:
Real estate—commercial real estate	—	$	—	—	$	—	3	$	9,206	3	$	9,206
Total	—	$	—	—	$	—	3	$	9,206	3	$	9,206
Nonaccrual Troubled Debt Restructured Loans:
Real estate—commercial real estate	—	$	—	1	$	328	—	$	—	1	$	328
Total	—	$	—	1	$	328	—	$	—	1	$	328
Nine Months Ended September 30, 2016
Accruing Troubled Debt Restructured Loans:
Commercial, financial and agricultural	—	$	—	—	$	—	1	$	1,545	1	$	1,545
Real estate—residential secured for business purpose	1	415		—	—		—	—		1	415
Total	1	$	415	—	$	—	1	$	1,545	2	$	1,960
Nonaccrual Troubled Debt Restructured Loans:
Real estate—residential secured for personal purpose	—	$	—	1	$	34	—	$	—	1	$	34
Total	—	$	—	1	$	34	—	$	—	1	$	34

Schedule of Accruing and Nonaccruing Troubled Debt Restructured Loans

The following presents, by class of loans, information regarding accruing and nonaccrual troubled debt restructured loans, for which there were payment defaults within twelve months of the restructuring date:



	Three Months Ended September 30,						Nine Months Ended September 30,
	2017			2016			2017			2016
(Dollars in thousands)	Number of Loans	Recorded Investment		Number of Loans	Recorded Investment		Number of Loans	Recorded Investment		Number of Loans	Recorded Investment
Accruing Troubled Debt Restructured Loans:
Total	—	$	—	—	$	—	—	$	—	—	$	—
Nonaccrual Troubled Debt Restructured Loans:
Real estate—residential secured for personal purpose	—	$	—	1	$	34	—	$	—	1	$	34
Total	—	$	—	1	$	34	—	$	—	1	$	34