XML 65 R39.htm IDEA: XBRL DOCUMENT v3.20.1
LOANS AND ALLOWANCE FOR LOAN LOSSES (Tables)
12 Months Ended
Dec. 31, 2019
Receivables [Abstract]  
Summary of Loan Portfolio by Type of Loan

The following table summarizes our loan portfolio by type of loan at December 31:

 

 

 

2019

 

 

2018

 

Commercial and industrial

 

$

279,583

 

 

$

261,779

 

Real estate:

 

 

 

 

 

 

 

 

Construction and development

 

 

280,498

 

 

 

237,503

 

Commercial real estate

 

 

567,360

 

 

 

582,519

 

Farmland

 

 

57,476

 

 

 

67,845

 

1-4 family residential

 

 

412,166

 

 

 

393,067

 

Multi-family residential

 

 

37,379

 

 

 

38,386

 

Consumer

 

 

53,245

 

 

 

54,777

 

Agricultural

 

 

18,359

 

 

 

23,277

 

Overdrafts

 

 

329

 

 

 

382

 

Total loans

 

 

1,706,395

 

 

 

1,659,535

 

Net of:

 

 

 

 

 

 

 

 

Deferred loan costs

 

 

601

 

 

 

560

 

Allowance for loan losses

 

 

(16,202

)

 

 

(14,651

)

Total net loans

 

$

1,690,794

 

 

$

1,645,444

 

Schedule of Related Party Loans Receivable

Loans to principal officers, directors, and their affiliates during the year ended December 31, 2019, was as follows:

 

 

 

 

 

 

Beginning balance

 

$

56,199

 

New loans

 

 

46,419

 

Effect of changes in composition of related parties

 

 

(17,516

)

Repayments

 

 

(51,439

)

Ending balance

 

$

33,663

 

Schedule of Allowance for Loan Losses Activity

The following table presents the activity in the allowance for loan losses and the recorded investment in loans by portfolio segment and based on impairment method for the years ended December 31, 2019, 2018 and 2017:

 

For the Year Ended December 31, 2019

 

Commercial

and

industrial

 

 

Construction

and

development

 

 

Commercial

real

estate

 

 

Farmland

 

 

1-4 family

residential

 

 

Multi-family

residential

 

 

Consumer

 

 

Agricultural

 

 

Overdrafts

 

 

Total

 

Allowance for loan

losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

 

$

1,751

 

 

$

1,920

 

 

$

6,025

 

 

$

643

 

 

$

2,868

 

 

$

631

 

 

$

565

 

 

$

238

 

 

$

10

 

 

$

14,651

 

Provision for loan losses

 

 

(117

)

 

 

458

 

 

 

827

 

 

 

(73

)

 

 

268

 

 

 

(222

)

 

 

(2

)

 

 

(41

)

 

 

152

 

 

 

1,250

 

Loans charged-off

 

 

(86

)

 

 

 

 

 

 

 

 

 

 

 

(14

)

 

 

 

 

 

(72

)

 

 

(89

)

 

 

(192

)

 

 

(453

)

Recoveries

 

 

508

 

 

 

 

 

 

1

 

 

 

 

 

 

3

 

 

 

 

 

 

111

 

 

 

89

 

 

 

42

 

 

 

754

 

Ending balance

 

$

2,056

 

 

$

2,378

 

 

$

6,853

 

 

$

570

 

 

$

3,125

 

 

$

409

 

 

$

602

 

 

$

197

 

 

$

12

 

 

$

16,202

 

Allowance

ending balance:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated

for impairment

 

$

 

 

$

 

 

$

1,587

 

 

$

62

 

 

$

 

 

$

 

 

$

 

 

$

 

 

$

 

 

$

1,649

 

Collectively evaluated

for impairment

 

 

2,008

 

 

 

2,322

 

 

 

5,486

 

 

 

495

 

 

 

3,050

 

 

 

400

 

 

 

588

 

 

 

192

 

 

 

12

 

 

 

14,553

 

Ending balance

 

$

2,008

 

 

$

2,322

 

 

$

7,073

 

 

$

557

 

 

$

3,050

 

 

$

400

 

 

$

588

 

 

$

192

 

 

$

12

 

 

$

16,202

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated

for impairment

 

$

289

 

 

$

1,212

 

 

$

17,483

 

 

$

133

 

 

$

2,498

 

 

$

 

 

$

 

 

$

62

 

 

$

 

 

$

21,677

 

Collectively evaluated

for impairment

 

 

279,294

 

 

$

279,286

 

 

 

549,877

 

 

 

57,343

 

 

 

409,668

 

 

 

37,379

 

 

 

53,245

 

 

 

18,297

 

 

 

329

 

 

 

1,684,718

 

Ending balance

 

$

279,583

 

 

$

280,498

 

 

$

567,360

 

 

$

57,476

 

 

$

412,166

 

 

$

37,379

 

 

$

53,245

 

 

$

18,359

 

 

$

329

 

 

$

1,706,395

 

 

For the Year Ended December 31, 2018

 

Commercial

and

industrial

 

 

Construction

and

development

 

 

Commercial

real

estate

 

 

Farmland

 

 

1-4 family

residential

 

 

Multi-family

residential

 

 

Consumer

 

 

Agricultural

 

 

Overdrafts

 

 

Total

 

Allowance for loan

losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

 

$

1,581

 

 

$

1,724

 

 

$

4,585

 

 

$

523

 

 

$

3,022

 

 

$

629

 

 

$

602

 

 

$

187

 

 

$

6

 

 

$

12,859

 

Provision for loan

losses

 

 

426

 

 

 

196

 

 

 

1,472

 

 

 

120

 

 

 

(196

)

 

 

2

 

 

 

127

 

 

 

(12

)

 

 

115

 

 

 

2,250

 

Loans charged-off

 

 

(367

)

 

 

 

 

 

(33

)

 

 

 

 

 

(93

)

 

 

 

 

 

(254

)

 

 

(2

)

 

 

(169

)

 

 

(918

)

Recoveries

 

 

111

 

 

 

 

 

 

1

 

 

 

 

 

 

135

 

 

 

 

 

 

90

 

 

 

65

 

 

 

58

 

 

 

460

 

Ending balance

 

$

1,751

 

 

$

1,920

 

 

$

6,025

 

 

$

643

 

 

$

2,868

 

 

$

631

 

 

$

565

 

 

$

238

 

 

$

10

 

 

$

14,651

 

Allowance ending

balance:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated

for impairment

 

$

64

 

 

$

4

 

 

$

341

 

 

$

78

 

 

$

6

 

 

$

 

 

$

 

 

$

 

 

$

 

 

$

493

 

Collectively evaluated

for impairment

 

 

1,687

 

 

 

1,916

 

 

 

5,684

 

 

 

565

 

 

 

2,862

 

 

 

631

 

 

 

565

 

 

 

238

 

 

 

10

 

 

 

14,158

 

Ending balance

 

$

1,751

 

 

$

1,920

 

 

$

6,025

 

 

$

643

 

 

$

2,868

 

 

$

631

 

 

$

565

 

 

$

238

 

 

$

10

 

 

$

14,651

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated

for impairment

 

$

1,022

 

 

$

1,250

 

 

$

7,153

 

 

$

140

 

 

$

1,383

 

 

$

 

 

$

 

 

$

408

 

 

$

 

 

$

11,356

 

Collectively evaluated

for impairment

 

 

260,757

 

 

$

236,253

 

 

 

575,366

 

 

 

67,705

 

 

 

391,684

 

 

 

38,386

 

 

 

54,777

 

 

 

22,869

 

 

 

382

 

 

 

1,648,179

 

Ending balance

 

$

261,779

 

 

$

237,503

 

 

$

582,519

 

 

$

67,845

 

 

$

393,067

 

 

$

38,386

 

 

$

54,777

 

 

$

23,277

 

 

$

382

 

 

$

1,659,535

 

 

For the Year Ended December 31, 2017

 

Commercial

and

industrial

 

 

Construction

and

development

 

 

Commercial

real

estate

 

 

Farmland

 

 

1-4 family

residential

 

 

Multi-family

residential

 

 

Consumer

 

 

Agricultural

 

 

Overdrafts

 

 

Total

 

Allowance for loan

losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance

 

$

1,592

 

 

$

1,161

 

 

$

3,264

 

 

$

482

 

 

$

3,960

 

 

$

281

 

 

$

585

 

 

$

153

 

 

$

6

 

 

$

11,484

 

Provision for loan

losses

 

 

272

 

 

 

563

 

 

 

1,405

 

 

 

41

 

 

 

(418

)

 

 

348

 

 

 

253

 

 

 

276

 

 

 

110

 

 

 

2,850

 

Loans charged-off

 

 

(1,080

)

 

 

 

 

 

(84

)

 

 

 

 

 

(543

)

 

 

 

 

 

(344

)

 

 

(242

)

 

 

(165

)

 

 

(2,458

)

Recoveries

 

 

797

 

 

 

 

 

 

 

 

 

 

 

 

23

 

 

 

 

 

 

108

 

 

 

 

 

 

55

 

 

 

983

 

Ending balance

 

$

1,581

 

 

$

1,724

 

 

$

4,585

 

 

$

523

 

 

$

3,022

 

 

$

629

 

 

$

602

 

 

$

187

 

 

$

6

 

 

$

12,859

 

Allowance ending

balance:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated

for impairment

 

$

17

 

 

$

 

 

$

27

 

 

$

85

 

 

$

5

 

 

$

 

 

$

 

 

$

 

 

$

 

 

$

134

 

Collectively evaluated

for impairment

 

 

1,564

 

 

 

1,724

 

 

 

4,558

 

 

 

438

 

 

 

3,017

 

 

 

629

 

 

 

602

 

 

 

187

 

 

 

6

 

 

 

12,725

 

Ending balance

 

$

1,581

 

 

$

1,724

 

 

$

4,585

 

 

$

523

 

 

$

3,022

 

 

$

629

 

 

$

602

 

 

$

187

 

 

$

6

 

 

$

12,859

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated

for impairment

 

$

463

 

 

$

 

 

$

4,258

 

 

$

163

 

 

$

842

 

 

$

217

 

 

$

 

 

$

397

 

 

$

 

 

$

6,340

 

Collectively evaluated

for impairment

 

 

197,045

 

 

$

196,774

 

 

 

413,879

 

 

 

58,860

 

 

 

373,529

 

 

 

36,357

 

 

 

51,267

 

 

 

25,199

 

 

 

294

 

 

 

1,353,204

 

Ending balance

 

$

197,508

 

 

$

196,774

 

 

$

418,137

 

 

$

59,023

 

 

$

374,371

 

 

$

36,574

 

 

$

51,267

 

 

$

25,596

 

 

$

294

 

 

$

1,359,544

 

Summary of Credit Exposure by Internally Assigned Grade

The following tables summarize the credit exposure in the Company's consumer and commercial loan portfolios as of:

 

December 31, 2019

 

Commercial

and

industrial

 

 

Construction

and

development

 

 

Commercial

real

estate

 

 

Farmland

 

 

1-4 family

residential

 

 

Multi-family

residential

 

 

Consumer and Overdrafts

 

 

Agricultural

 

 

Total

 

Grade:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

279,217

 

 

$

278,679

 

 

$

548,662

 

 

$

57,152

 

 

$

409,896

 

 

$

37,379

 

 

$

53,327

 

 

$

18,101

 

 

$

1,682,413

 

Special mention

 

 

153

 

 

 

600

 

 

 

1,071

 

 

 

91

 

 

 

1,425

 

 

 

 

 

 

192

 

 

 

126

 

 

 

3,658

 

Substandard

 

 

213

 

 

 

1,219

 

 

 

17,627

 

 

 

233

 

 

 

845

 

 

 

 

 

 

55

 

 

 

132

 

 

 

20,324

 

Total

 

$

279,583

 

 

$

280,498

 

 

$

567,360

 

 

$

57,476

 

 

$

412,166

 

 

$

37,379

 

 

$

53,574

 

 

$

18,359

 

 

$

1,706,395

 

 

December 31, 2018

 

Commercial

and

industrial

 

 

Construction

and

development

 

 

Commercial

real

estate

 

 

Farmland

 

 

1-4 family

residential

 

 

Multi-family

residential

 

 

Consumer and Overdrafts

 

 

Agricultural

 

 

Total

 

Grade:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Pass

 

$

260,863

 

 

$

236,253

 

 

$

569,648

 

 

$

67,541

 

 

$

391,956

 

 

$

38,386

 

 

$

55,055

 

 

$

22,713

 

 

$

1,642,415

 

Special mention

 

 

224

 

 

 

 

 

5,691

 

 

 

49

 

 

 

514

 

 

 

 

 

48

 

 

 

115

 

 

 

6,641

 

Substandard

 

 

692

 

 

 

1,250

 

 

 

7,180

 

 

 

255

 

 

 

597

 

 

 

 

 

56

 

 

 

449

 

 

 

10,479

 

Total

 

$

261,779

 

 

$

237,503

 

 

$

582,519

 

 

$

67,845

 

 

$

393,067

 

 

$

38,386

 

 

$

55,159

 

 

$

23,277

 

 

$

1,659,535

 

Summary of Payment Status of Loans

The following tables summarize the payment status of loans in the Company’s total loan portfolio, including an aging of delinquent loans and loans 90 days or more past due continuing to accrue interest as of:

 

December 31, 2019

 

30 to 59 Days

Past Due

 

 

60 to 89 Days

Past Due

 

 

90 Days

and Greater

Past Due

 

 

Total

Past Due

 

 

Current

 

 

Total

Loans

 

 

Recorded

Investment >

90 Days and

Accruing

 

Commercial and industrial

 

$

321

 

 

$

53

 

 

$

15

 

 

$

389

 

 

$

279,194

 

 

$

279,583

 

 

$

 

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Construction and

development

 

 

161

 

 

 

 

 

 

 

 

 

161

 

 

 

280,337

 

 

 

280,498

 

 

 

 

Commercial real

estate

 

 

1,181

 

 

 

49

 

 

 

882

 

 

 

2,112

 

 

 

565,248

 

 

 

567,360

 

 

 

 

Farmland

 

 

103

 

 

 

 

 

 

 

 

 

103

 

 

 

57,373

 

 

 

57,476

 

 

 

 

1-4 family residential

 

 

2,514

 

 

 

1,433

 

 

 

845

 

 

 

4,792

 

 

 

407,374

 

 

 

412,166

 

 

 

 

Multi-family residential

 

 

 

 

 

 

 

 

 

 

 

 

 

 

37,379

 

 

 

37,379

 

 

 

 

Consumer

 

 

373

 

 

 

152

 

 

 

96

 

 

 

621

 

 

 

52,624

 

 

 

53,245

 

 

 

 

Agricultural

 

 

51

 

 

 

67

 

 

 

 

 

 

118

 

 

 

18,241

 

 

 

18,359

 

 

 

 

Overdrafts

 

 

 

 

 

 

 

 

 

 

 

 

 

 

329

 

 

 

329

 

 

 

 

Total

 

$

4,704

 

 

$

1,754

 

 

$

1,838

 

 

$

8,296

 

 

$

1,698,099

 

 

$

1,706,395

 

 

$

 

 

December 31, 2018

 

30 to 59 Days

Past Due

 

 

60 to 89 Days

Past Due

 

 

90 Days

and Greater

Past Due

 

 

Total

Past Due

 

 

Current

 

 

Total

Loans

 

 

Recorded

Investment >

90 Days and

Accruing

 

Commercial and industrial

 

$

209

 

 

$

493

 

 

$

266

 

 

$

968

 

 

$

260,811

 

 

$

261,779

 

 

$

 

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Construction and

development

 

 

735

 

 

 

2,816

 

 

 

 

 

 

3,551

 

 

 

233,952

 

 

 

237,503

 

 

 

 

Commercial real

estate

 

 

1,803

 

 

 

3

 

 

 

3,227

 

 

 

5,033

 

 

 

577,486

 

 

 

582,519

 

 

 

 

Farmland

 

 

485

 

 

 

 

 

 

 

 

 

485

 

 

 

67,360

 

 

 

67,845

 

 

 

 

1-4 family residential

 

 

2,849

 

 

 

666

 

 

 

596

 

 

 

4,111

 

 

 

388,956

 

 

 

393,067

 

 

 

 

Multi-family residential

 

 

 

 

 

 

 

 

 

 

 

 

 

 

38,386

 

 

 

38,386

 

 

 

 

Consumer

 

 

526

 

 

 

51

 

 

 

56

 

 

 

633

 

 

 

54,144

 

 

 

54,777

 

 

 

 

Agricultural

 

 

105

 

 

 

59

 

 

 

41

 

 

 

205

 

 

 

23,072

 

 

 

23,277

 

 

 

 

Overdrafts

 

 

 

 

 

 

 

 

 

 

 

 

 

 

382

 

 

 

382

 

 

 

 

Total

 

$

6,712

 

 

$

4,088

 

 

$

4,186

 

 

$

14,986

 

 

$

1,644,549

 

 

$

1,659,535

 

 

$

 

 

Schedule of Nonaccrual Loans

The following table presents information regarding nonaccrual loans as of:

 

 

 

2019

 

 

2018

 

Commercial and industrial

 

$

46

 

 

$

366

 

Real estate:

 

 

 

 

 

 

 

 

Construction and development

 

 

 

 

 

 

Commercial real estate

 

 

6,860

 

 

 

3,700

 

Farmland

 

 

182

 

 

 

140

 

1-4 family residential

 

 

3,853

 

 

 

1,567

 

Multi-family residential

 

 

 

 

 

 

Consumer

 

 

279

 

 

 

66

 

Agricultural

 

 

42

 

 

 

52

 

Total

 

$

11,262

 

 

$

5,891

 

Summary of Troubled Debt Restructuring

The outstanding balances of TDRs are shown below at December 31:

 

 

 

2019

 

 

2018

 

Nonaccrual TDRs

 

$

101

 

 

$

335

 

Performing TDRs

 

 

7,240

 

 

 

861

 

Total

 

$

7,341

 

 

$

1,196

 

Specific reserves on TDRs

 

$

164

 

 

$

 

The following tables present loans by class, modified as TDRs, that occurred during the years ended:

 

December 31, 2019

 

Number

of

Contracts

 

 

Pre-Modification

Outstanding

Recorded

Investment

 

 

Post-Modification

Outstanding

Recorded

Investment

 

Troubled Debt Restructurings:

 

 

 

 

 

 

 

 

 

 

 

 

Commercial real estate

 

 

4

 

 

$

1,680

 

 

$

1,515

 

Total

 

 

4

 

 

$

1,680

 

 

$

1,515

 

There were two TDRs that subsequently defaulted during 2019, therefore remain on nonaccrual status. The TDRs described above did not increase the allowance for loan losses and resulted in no charge-offs during the year ended December 31, 2019.   

 

December 31, 2018

 

Number

of

Contracts

 

 

Pre-Modification

Outstanding

Recorded

Investment

 

 

Post-Modification

Outstanding

Recorded

Investment

 

Troubled Debt Restructurings:

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 

3

 

 

$

504

 

 

$

504

 

1-4 family residential

 

 

1

 

 

 

78

 

 

 

78

 

Total

 

 

4

 

 

$

582

 

 

$

582

 

Summary of Impaired Loans

The following table presents information about the Company’s impaired loans as of:

 

December 31, 2019

 

Unpaid

Principal

Balance

 

 

Recorded

Investment

 

 

Related

Allowance

 

 

Average

Recorded

Investment

 

With no related allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

289

 

 

$

289

 

 

$

 

 

$

312

 

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Construction and development

 

 

1,212

 

 

 

1,212

 

 

 

 

 

 

1,259

 

Commercial real estate

 

 

4,612

 

 

 

4,612

 

 

 

 

 

 

4,244

 

Farmland

 

 

 

 

 

 

 

 

 

 

 

 

1-4 family residential

 

 

2,498

 

 

 

2,498

 

 

 

 

 

 

1,798

 

Multi-family residential

 

 

 

 

 

 

 

 

 

 

 

 

Consumer

 

 

 

 

 

 

 

 

 

 

 

 

Agricultural

 

 

62

 

 

 

62

 

 

 

 

 

 

190

 

Subtotal

 

 

8,673

 

 

 

8,673

 

 

 

 

 

 

7,803

 

With allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 

 

 

 

 

 

 

 

 

 

61

 

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Construction and development

 

 

 

 

 

 

 

 

 

 

 

 

Commercial real estate

 

 

12,871

 

 

 

12,871

 

 

 

1,587

 

 

 

9,111

 

Farmland

 

 

133

 

 

 

133

 

 

 

62

 

 

 

135

 

1-4 family residential

 

 

 

 

 

 

 

 

 

 

 

78

 

Multi-family residential

 

 

 

 

 

 

 

 

 

 

 

 

Consumer

 

 

 

 

 

 

 

 

 

 

 

 

Agricultural

 

 

 

 

 

 

 

 

 

 

 

 

Subtotal

 

 

13,004

 

 

 

13,004

 

 

 

1,649

 

 

 

9,385

 

Total

 

$

21,677

 

 

$

21,677

 

 

$

1,649

 

 

$

17,188

 

The following table presents information about the Company’s impaired loans as of December 31, 2018:

 

December 31, 2018

 

Unpaid

Principal

Balance

 

 

Recorded

Investment

 

 

Related

Allowance

 

 

Average

Recorded

Investment

 

With no related allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

$

837

 

 

$

837

 

 

$

 

 

$

842

 

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Construction and development

 

 

720

 

 

 

720

 

 

 

 

 

 

518

 

Commercial real estate

 

 

5,168

 

 

 

5,168

 

 

 

 

 

 

5,138

 

Farmland

 

 

 

 

 

 

 

 

 

 

 

62

 

1-4 family residential

 

 

1,223

 

 

 

1,223

 

 

 

 

 

 

1,132

 

Multi-family residential

 

 

 

 

 

 

 

 

 

 

 

54

 

Consumer

 

 

 

 

 

 

 

 

 

 

 

 

Agricultural

 

 

408

 

 

 

408

 

 

 

 

 

 

456

 

Subtotal

 

 

8,356

 

 

 

8,356

 

 

 

 

 

 

8,202

 

With allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 

185

 

 

 

185

 

 

 

64

 

 

 

300

 

Real estate:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Construction and development

 

 

530

 

 

 

530

 

 

 

4

 

 

 

44

 

Commercial real estate

 

 

1,985

 

 

 

1,985

 

 

 

341

 

 

 

677

 

Farmland

 

 

140

 

 

 

140

 

 

 

78

 

 

 

147

 

1-4 family residential

 

 

160

 

 

 

160

 

 

 

6

 

 

 

128

 

Multi-family residential

 

 

 

 

 

 

 

 

 

 

 

 

Consumer

 

 

 

 

 

 

 

 

 

 

 

 

Agricultural

 

 

 

 

 

 

 

 

 

 

 

52

 

Subtotal

 

 

3,000

 

 

 

3,000

 

 

 

493

 

 

 

1,348

 

Total

 

$

11,356

 

 

$

11,356

 

 

$

493

 

 

$

9,550