XML 29 R19.htm IDEA: XBRL DOCUMENT v3.7.0.1
Loans and Allowance (Tables)
 3 Months Ended
Mar. 31, 2017
Loans and Allowance [Abstract]  
Schedule of Classes of Loans

Classes of loans at March 31, 2017 and December 31, 2016 include:    





 

 

 

 

 



 

 

 

 

 



March 31,

 

December 31,



2017

 

2016

Real estate

 

 

 

 

 

Commercial

$

 301,840 

 

$

 302,577 

Commercial construction and development

 

 26,840 

 

 

 22,453 

Consumer closed end first mortgage

 

 475,347 

 

 

 478,848 

Consumer open end and junior liens

 

 69,798 

 

 

 71,222 

Total real estate loans

 

 873,825 

 

 

 875,100 

Other loans

 

 

 

 

 

Consumer loans

 

 

 

 

 

Auto

 

 18,436 

 

 

 18,939 

Boat/RVs

 

 145,656 

 

 

 141,602 

Other

 

 5,671 

 

 

 5,892 

Commercial and industrial

 

 127,799 

 

 

 131,103 

Total other loans

 

 297,562 

 

 

 297,536 

Total loans

 

 1,171,387 

 

 

 1,172,636 

Undisbursed loans in process

 

 (9,636)

 

 

 (8,691)

Unamortized deferred loan costs, net

 

 5,574 

 

 

 5,557 

Allowance for loan losses

 

 (12,382)

 

 

 (12,382)

Net loans

$

 1,154,943 

 

$

 1,157,120 



Non-Accrual Loans Segregated by Class of Loans



Nonaccrual loans, segregated by class of loans, as of March 31, 2017 and December 31, 2016 are as follows:





 

 

 

 

 



 

 

 

 

 



March 31,

 

December 31,



2017

 

2016

Real estate

 

 

 

 

 

Commercial

$

 1,054 

 

$

 912 

Commercial construction and development

 

 -

 

 

 -

Consumer closed end first mortgage

 

 3,179 

 

 

 3,626 

Consumer open end and junior liens

 

 286 

 

 

 335 

Consumer loans

 

 

 

 

 

Auto

 

 5 

 

 

 5 

Boat/RVs

 

 128 

 

 

 224 

Other

 

 34 

 

 

 24 

Commercial and industrial

 

 86 

 

 

 18 

Total nonaccrual loans

$

 4,772 

 

$

 5,144 



Age Analysis of Past Due Loans Segregated by Class of Loans



An age analysis of the Company’s past due loans, segregated by class of loans, as of March 31, 2017 and December 31, 2016 are as follows:





 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



March 31, 2017



 

30-59 Days Past Due

 

 

60-89 Days Past Due

 

 

90 Days or More Past Due

 

 

Total Past Due

 

 

Current

 

 

Total Loans Receivable

 

 

Total Loans 90 Days Past Due and Accruing

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 2,336 

 

$

 61 

 

$

 931 

 

$

 3,328 

 

$

 298,512 

 

$

 301,840 

 

$

 -

Commercial construction and development

 

 279 

 

 

 -

 

 

 -

 

 

 279 

 

 

 26,561 

 

 

 26,840 

 

 

 -

Consumer closed end first mortgage

 

 3,555 

 

 

 628 

 

 

 2,834 

 

 

 7,017 

 

 

 468,330 

 

 

 475,347 

 

 

 -

Consumer open end and junior liens

 

 170 

 

 

 121 

 

 

 215 

 

 

 506 

 

 

 69,292 

 

 

 69,798 

 

 

 -

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 31 

 

 

 12 

 

 

 2 

 

 

 45 

 

 

 18,391 

 

 

 18,436 

 

 

 -

Boat/RVs

 

 794 

 

 

 147 

 

 

 52 

 

 

 993 

 

 

 144,663 

 

 

 145,656 

 

 

 -

Other

 

 53 

 

 

 3 

 

 

 21 

 

 

 77 

 

 

 5,594 

 

 

 5,671 

 

 

 -

Commercial and industrial

 

 403 

 

 

 13 

 

 

 81 

 

 

 497 

 

 

 127,302 

 

 

 127,799 

 

 

 -

Total

$

 7,621 

 

$

 985 

 

$

 4,136 

 

$

 12,742 

 

$

 1,158,645 

 

$

 1,171,387 

 

$

 -









 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



December 31, 2016



 

30-59 Days Past Due

 

 

60-89 Days Past Due

 

 

90 Days or More Past Due

 

 

Total Past Due

 

 

Current

 

 

Total Loans Receivable

 

 

Total Loans 90 Days Past Due and Accruing

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 854 

 

$

 142 

 

$

 785 

 

$

 1,781 

 

$

 300,796 

 

$

 302,577 

 

$

 -

Commercial construction and development

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 22,453 

 

 

 22,453 

 

 

 -

Consumer closed end first mortgage

 

 6,789 

 

 

 1,554 

 

 

 3,675 

 

 

 12,018 

 

 

 466,830 

 

 

 478,848 

 

 

 237 

Consumer open end and junior liens

 

 512 

 

 

 166 

 

 

 304 

 

 

 982 

 

 

 70,240 

 

 

 71,222 

 

 

 -

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 103 

 

 

 25 

 

 

 5 

 

 

 133 

 

 

 18,806 

 

 

 18,939 

 

 

 -

Boat/RVs

 

 1,376 

 

 

 305 

 

 

 213 

 

 

 1,894 

 

 

 139,708 

 

 

 141,602 

 

 

 -

Other

 

 89 

 

 

 26 

 

 

 13 

 

 

 128 

 

 

 5,764 

 

 

 5,892 

 

 

 -

Commercial and industrial

 

 497 

 

 

 32 

 

 

 8 

 

 

 537 

 

 

 130,566 

 

 

 131,103 

 

 

 -

Total

$

 10,220 

 

$

 2,250 

 

$

 5,003 

 

$

 17,473 

 

$

 1,155,163 

 

$

 1,172,636 

 

$

 237 



Impaired Loans

The following tables present impaired loans as of and for the three month periods ended March 31, 2017 and 2016 and the year ended December 31, 2016. 



 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 



March 31, 2017



Recorded Balance

 

Unpaid Principal Balance

 

Specific Allowance

 

Average Investment in Impaired Loans

 

Interest Income Recognized

Loans without a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 813 

 

$

 813 

 

$

 -

 

$

 739 

 

$

 -

Commercial construction and development

 

 792 

 

 

 792 

 

 

 -

 

 

 807 

 

 

 9 

Consumer closed end first mortgage

 

 1,850 

 

 

 1,850 

 

 

 -

 

 

 1,859 

 

 

 -

Commercial and industrial

 

 179 

 

 

 179 

 

 

 -

 

 

 183 

 

 

 1 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans with a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

 214 

 

 

 214 

 

 

 100 

 

 

 214 

 

 

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 1,027 

 

$

 1,027 

 

$

 100 

 

$

 953 

 

$

 -

Commercial construction and development

$

 792 

 

$

 792 

 

$

 -

 

$

 807 

 

$

 9 

Consumer closed end first mortgage

$

 1,850 

 

$

 1,850 

 

$

 -

 

$

 1,859 

 

$

 -

Commercial and industrial

$

 179 

 

$

 179 

 

$

 -

 

$

 183 

 

$

 1 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

 3,848 

 

$

 3,848 

 

$

 100 

 

$

 3,802 

 

$

 10 









 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 



December 31, 2016



Recorded Balance

 

Unpaid Principal Balance

 

Specific Allowance

 

Average Investment in Impaired Loans

 

Interest Income Recognized

Loans without a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 665 

 

$

 665 

 

$

 -

 

$

 2,207 

 

$

 68 

Commercial construction and development

 

 822 

 

 

 822 

 

 

 -

 

 

 874 

 

 

 40 

Consumer closed end first mortgage

 

 1,869 

 

 

 1,869 

 

 

 -

 

 

 1,328 

 

 

 -

Consumer open end and junior liens

 

 -

 

 

 -

 

 

 -

 

 

 193 

 

 

 -

Commercial and industrial

 

 187 

 

 

 187 

 

 

 -

 

 

 204 

 

 

 1 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans with a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

 214 

 

 

 214 

 

 

 100 

 

 

 416 

 

 

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 879 

 

$

 879 

 

$

 100 

 

$

 2,623 

 

$

 68 

Commercial construction and development

$

 822 

 

$

 822 

 

$

 -

 

$

 874 

 

$

 40 

Consumer closed end first mortgage

$

 1,869 

 

$

 1,869 

 

$

 -

 

$

 1,328 

 

$

 -

Consumer open end and junior liens

$

 -

 

$

 -

 

$

 -

 

$

 193 

 

$

 -

Commercial and industrial

$

 187 

 

$

 187 

 

$

 -

 

$

 204 

 

$

 1 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

 3,757 

 

$

 3,757 

 

$

 100 

 

$

 5,222 

 

$

 109 





 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 



March 31, 2016



Recorded Balance

 

Unpaid Principal Balance

 

Specific Allowance

 

Average Investment in Impaired Loans

 

Interest Income Recognized

Loans without a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 3,150 

 

$

 3,150 

 

$

 -

 

$

 3,172 

 

$

 23 

Commercial construction and development

 

 859 

 

 

 859 

 

 

 -

 

 

 934 

 

 

 12 

Consumer closed end first mortgage

 

 1,126 

 

 

 1,126 

 

 

 -

 

 

 1,126 

 

 

 -

Consumer open end and junior liens

 

 485 

 

 

 485 

 

 

 -

 

 

 483 

 

 

 -

Commercial and industrial

 

 208 

 

 

 208 

 

 

 -

 

 

 212 

 

 

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans with a specific valuation allowance

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

 517 

 

 

 517 

 

 

 100 

 

 

 596 

 

 

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

$

 3,667 

 

$

 3,667 

 

$

 100 

 

$

 3,768 

 

$

 23 

Commercial construction and development

$

 859 

 

$

 859 

 

$

 -

 

$

 934 

 

$

 12 

Consumer closed end first mortgage

$

 1,126 

 

$

 1,126 

 

$

 -

 

$

 1,126 

 

$

 -

Consumer open end and junior liens

$

 485 

 

$

 485 

 

$

 -

 

$

 483 

 

$

 -

Commercial and industrial

$

 208 

 

$

 208 

 

$

 -

 

$

 212 

 

$

 -



 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total

$

 6,345 

 

$

 6,345 

 

$

 100 

 

$

 6,523 

 

$

 35 



Commercial and Retail Credit Exposure Credit Risk Profile by Internal Rating



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



March 31, 2017



 

Commercial

 

Consumer

 

 

 



 

Pass

 

Special Mention

 

Substandard

 

Doubtful

 

Pass

 

Special Mention

 

Substandard

 

Total

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

$

 295,099 

 

$

 3,267 

 

$

 3,449 

 

$

 25 

 

 

 

 

 

 

 

 

 

 

$

 301,840 

Commercial construction and development

 

 

 25,769 

 

 

 279 

 

 

 792 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 26,840 

Consumer closed end first mortgage

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 470,138 

 

$

 -

 

$

 5,209 

 

 

 475,347 

Consumer open end and junior liens

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 69,421 

 

 

 -

 

 

 377 

 

 

 69,798 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 18,428 

 

 

 -

 

 

 8 

 

 

 18,436 

Boat/RVs

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 145,472 

 

 

 -

 

 

 184 

 

 

 145,656 

Other

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 5,606 

 

 

 -

 

 

 65 

 

 

 5,671 

Commercial and industrial

 

 

 125,422 

 

 

 2,287 

 

 

 90 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 127,799 



 

$

 446,290 

 

$

 5,833 

 

$

 4,331 

 

$

 25 

 

$

 709,065 

 

$

 -

 

$

 5,843 

 

$

 1,171,387 









 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



December 31, 2016



 

Commercial

 

Consumer

 

 

 



 

Pass

 

Special Mention

 

Substandard

 

Doubtful

 

Pass

 

Special Mention

 

Substandard

 

Total

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial

 

$

 295,548 

 

$

 3,705 

 

$

 3,297 

 

$

 27 

 

 

 

 

 

 

 

 

 

 

$

 302,577 

Commercial construction and development

 

 

 21,782 

 

 

 254 

 

 

 417 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 22,453 

Consumer closed end first mortgage

 

 

 

 

 

 

 

 

 

 

 

 

 

$

 473,329 

 

$

 -

 

$

 5,519 

 

 

 478,848 

Consumer open end and junior liens

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 70,769 

 

 

 -

 

 

 453 

 

 

 71,222 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 18,931 

 

 

 -

 

 

 8 

 

 

 18,939 

Boat/RVs

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 141,294 

 

 

 -

 

 

 308 

 

 

 141,602 

Other

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 5,859 

 

 

 -

 

 

 33 

 

 

 5,892 

Commercial and industrial

 

 

 128,436 

 

 

 2,513 

 

 

 154 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 131,103 



 

$

 445,766 

 

$

 6,472 

 

$

 3,868 

 

$

 27 

 

$

 710,182 

 

$

 -

 

$

 6,321 

 

$

 1,172,636 



Activity in Allowance for Loan Losses by Portfolio Segment

The following table details activity in the allowance for loan losses by portfolio segment for the three month periods ended March 31, 2017 and 2016, respectively.  Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other segments.



 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2017



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

$

 7,358 

 

$

 2,303 

 

$

 2,721 

 

$

 12,382 

Provision charged to expense

 

 32 

 

 

 17 

 

 

 151 

 

 

 200 

Losses charged off

 

 -

 

 

 (45)

 

 

 (204)

 

 

 (249)

Recoveries

 

 7 

 

 

 4 

 

 

 38 

 

 

 49 

Balance, end of period

$

 7,397 

 

$

 2,279 

 

$

 2,706 

 

$

 12,382 









 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2016



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

Balance, beginning of period

$

 7,090 

 

$

 2,683 

 

$

 2,868 

 

$

 12,641 

Provision charged to expense

 

 120 

 

 

 62 

 

 

 18 

 

 

 200 

Losses charged off

 

 (4)

 

 

 (120)

 

 

 (138)

 

 

 (262)

Recoveries

 

 2 

 

 

 4 

 

 

 85 

 

 

 91 

Balance, end of period

$

 7,208 

 

$

 2,629 

 

$

 2,833 

 

$

 12,670 











The following tables provide a breakdown of the allowance for loan losses and loan portfolio balances by segment as of March 31, 2017 and 2016, and December 31, 2016.



 



 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



March 31, 2017



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 100 

 

$

 -

 

$

 -

 

$

 100 

Collectively evaluated for impairment

 

 7,297 

 

 

 2,279 

 

 

 2,706 

 

 

 12,282 

Total allowance for loan losses

$

 7,397 

 

$

 2,279 

 

$

 2,706 

 

$

 12,382 

Loan balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 1,998 

 

$

 1,850 

 

$

 -

 

$

 3,848 

Collectively evaluated for impairment

 

 454,481 

 

 

 473,497 

 

 

 239,561 

 

 

 1,167,539 

Gross loans

$

 456,479 

 

$

 475,347 

 

$

 239,561 

 

$

 1,171,387 











 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



March 31, 2016



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 100 

 

$

 -

 

$

 -

 

$

 100 

Collectively evaluated for impairment

 

 7,108 

 

 

 2,629 

 

 

 2,833 

 

 

 12,570 

Total allowance for loan losses

$

 7,208 

 

$

 2,629 

 

$

 2,833 

 

$

 12,670 

Loan balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 4,734 

 

$

 1,126 

 

$

 485 

 

$

 6,345 

Collectively evaluated for impairment

 

 380,473 

 

 

 486,263 

 

 

 218,527 

 

 

 1,085,263 

Gross loans

$

 385,207 

 

$

 487,389 

 

$

 219,012 

 

$

 1,091,608 







 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



December 31, 2016



Commercial

 

Mortgage

 

Consumer

 

Total

Allowance balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 100 

 

$

 -

 

$

 -

 

$

 100 

Collectively evaluated for impairment

 

 7,258 

 

 

 2,303 

 

 

 2,721 

 

 

 12,282 

Total allowance for loan losses

$

 7,358 

 

$

 2,303 

 

$

 2,721 

 

$

 12,382 

Loan balances

 

 

 

 

 

 

 

 

 

 

 

Individually evaluated for impairment

$

 1,888 

 

$

 1,869 

 

$

 -

 

$

 3,757 

Collectively evaluated for impairment

 

 454,245 

 

 

 476,979 

 

 

 237,655 

 

 

 1,168,879 

Gross loans

$

 456,133 

 

$

 478,848 

 

$

 237,655 

 

$

 1,172,636 



Troubled Debts Restructured

The following tables describe troubled debts restructured during the three month periods ended March 31, 2017 and 2016:





 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 



Three Months Ended



March 31, 2017

 

March 31, 2016



No. of Loans

 

Pre-Modification Recorded Balance

 

Post-Modification Recorded Balance

 

No. of Loans

 

Pre-Modification Recorded Balance

 

Post-Modification Recorded Balance

Real estate

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer closed end first mortgage

 1 

 

$

 65 

 

$

 67 

 

 5 

 

$

 419 

 

$

 428 



 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Other loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Auto

 -

 

 

 -

 

 

 -

 

 1 

 

 

 4 

 

 

 7 

Boat/RVs

 -

 

 

 -

 

 

 -

 

 2 

 

 

 48 

 

 

 48 

Commercial and industrial

 1 

 

 

 72 

 

 

 72 

 

 1 

 

 

 83 

 

 

 83 





Newly Restructured Loans by Types

Newly restructured loans by type for the three months ended March 31, 2017 and 2016 are as follows:



 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2017



 

Rate

 

 

Term

 

 

Combination

 

 

Total Modification

Real estate

 

 

 

 

 

 

 

 

 

 

 

Consumer closed end first mortgage

$

 -

 

$

 -

 

$

 67 

 

$

 67 



 

 

 

 

 

 

 

 

 

 

 

Other loans

 

 

 

 

 

 

 

 

 

 

 

Commercial and industrial

 

 -

 

 

 72 

 

 

 -

 

 

 72 







 

 

 

 

 

 

 

 

 

 

 



 

 

 

 

 

 

 

 

 

 

 



Three Months Ended March 31, 2016



 

Rate

 

 

Term

 

 

Combination

 

 

Total Modification

Real estate

 

 

 

 

 

 

 

 

 

 

 

Consumer closed end first mortgage

$

 -

 

$

 -

 

$

 428 

 

$

 428 



 

 

 

 

 

 

 

 

 

 

 

Other loans

 

 

 

 

 

 

 

 

 

 

 

Consumer loans

 

 

 

 

 

 

 

 

 

 

 

Auto

 

 -

 

 

 -

 

 

 7 

 

 

 7 

Boat/RVs

 

 -

 

 

 48 

 

 

 -

 

 

 48 

Commercial and industrial

 

 -

 

 

 83 

 

 

 -

 

 

 83