Loans (Tables)

9 Months Ended

Sep. 30, 2012

Summary of Gross Loans and Commercial Loans

The following table summarizes gross loans and other loans held for sale, categorized by portfolio segment, at the dates indicated (dollars in thousands).

	September 30, 2012						December 31, 2011
	Total			% of total			Total			% of total
Commercial real estate	$	458,322			61.8	%	$	492,754			62.6	%
Single-family residential		170,293			23.0			185,504			23.5
Commercial and industrial		51,921			7.0			49,381			6.3
Consumer		51,371			7.0			52,771			6.7
Other		9,121			1.2			7,326			0.9
Total loans	$	741,028			100.0	%	$	787,736			100.0	%
Less: other loans held for sale		(7,088	)					(14,178	)
Loans, gross	$	733,940					$	773,558

Summary of Other Loans Held For Sale

The following table summarizes other loans held for sale, categorized by portfolio segment, at the dates indicated (dollars in thousands).

	September 30, 2012					December 31, 2011
	Total		% of total			Total		% of total
Commercial real estate	$	6,938		97.9	%	$	14,178		100.0	%
Single-family residential		150		2.1			—		—
Total other loans held for sale	$	7,088		100.0	%	$	14,178		100.0	%

Summary of Loans Secured by Commercial Real Estate

The following table summarizes loans secured by commercial real estate, categorized by class, at September 30, 2012 (dollars in thousands).

	Commercial real estate included in gross loans		Commercial real estate included in other loans held for  sale		Total commercial real estate loans		% of gross loans and other loans held for sale			% of Bank’s total regulatory capital
Secured by commercial real estate
Construction, land development, and other land loans	$	70,540	$	2,113	$	72,653		9.8	%		64.7	%
Multifamily residential		12,547		—		12,547		1.7			11.2
Nonfarm nonresidential		368,297		4,825		373,122		50.3			332.4
Total loans secured by commercial real estate	$	451,384	$	6,938	$	458,322		61.8	%		408.3	%

Summary of Loans Secured by Commercial Real Estate by Category

The following table further categorizes loans secured by commercial real estate at September 30, 2012 (dollars in thousands).

	Commercial real estate included in gross loans		Commercial real estate included in other loans held for sale		Total commercial real estate loans		% of gross loans and other loans held for sale			% of Bank’s total regulatory capital
Development commercial real estate loans
Secured by:
Land - unimproved (commercial or residential)	$	23,088	$	—	$	23,088		3.1	%		20.6	%
Land development - commercial		9,153		—		9,153		1.2			8.2
Land development - residential		11,607		2,113		13,720		1.9			12.2
Commercial construction:
Retail		11,697		—		11,697		1.6			10.4
Office		230		—		230		—			0.2
Industrial and warehouse		823		—		823		0.1			0.7
Miscellaneous commercial		2,562		—		2,562		0.4			2.3
Total development commercial real estate loans		59,160		2,113		61,273		8.3			54.6
Existing and other commercial real estate loans
Secured by:
Hotel / motel		65,184		4,825		70,009		9.5			62.4
Retail		19,953		—		19,953		2.7			17.8
Office		20,352		—		20,352		2.7			18.1
Multifamily		12,547		—		12,547		1.7			11.2
Industrial and warehouse		9,167		—		9,167		1.2			8.2
Healthcare		18,222		—		18,222		2.5			16.2
Miscellaneous commercial		103,928		—		103,928		14.0			92.6
Residential construction - speculative		282		—		282		—			0.2
Total existing and other commercial real estate loans		249,635		4,825		254,460		34.3			226.7
Commercial real estate owner occupied and residential loans
Secured by:
Commercial - owner occupied		131,491		—		131,491		17.7			117.1
Commercial construction - owner occupied		4,325		—		4,325		0.6			3.9
Residential construction - contract		6,773		—		6,773		0.9			6.0
Total commercial real estate owner occupied and residential loans		142,589		—		142,589		19.2			127.0
Total loans secured by commercial real estate	$	451,384	$	6,938	$	458,322		61.8	%		408.3	%

Summary of Company's Internal Credit Quality Indicators on Gross Loans and Commercial Loans Held for Sale

The following table summarizes various internal credit quality indicators on gross loans and other loans held for sale, by class, at September 30, 2012 (in thousands).

	Construction, land development and other land loans		Multifamily residential		Nonfarm nonresidential		Commercial real estate in other loans held for sale		Total commercial real estate
Grade 1	$	—	$	—	$	—	$	—	$	—
Grade 2		—		—		412		—		412
Grade 3		12,806		1,334		81,637		—		95,777
Grade 4		20,103		1,215		143,814		—		165,132
Grade 5		3,494		7,276		24,408		—		35,178
Grade 6		5,350		245		41,893		4,825		52,313
Grade 7		3,766		—		6,192		2,113		12,071
Grade W		7,044		2,471		69,718		—		79,233
Not risk rated*		17,977		6		223		—		18,206
	$	70,540	$	12,547	$	368,297	$	6,938	$	458,322
Less: Commercial real estate included in other loans held for sale										(6,938	)
Total									$	451,384

* Consumer real estate loans of $18.0 million, included within construction, land development, and other land loans, are not risk rated, in accordance with our policy.

The following table summarizes various internal credit quality indicators on gross loans and other loans held for sale, by class, at December 31, 2011 (in thousands).

	Construction, land development and other land loans		Multifamily residential		Nonfarm nonresidential		Commercial real estate in other loans held for sale		Total commercial real estate
Grade 1	$	—	$	—	$	—	$	—	$	—
Grade 2		—		—		457		—		457
Grade 3		8,295		3,252		100,265		—		111,812
Grade 4		13,601		945		126,961		—		141,507
Grade 5		3,671		7,550		27,235		—		38,456
Grade 6		21,511		1,956		61,907		8,800		94,174
Grade 7		10,624		—		3,991		5,378		19,993
Grade W		9,075		4,233		51,889		—		65,197
Not risk rated*		20,836		9		313		—		21,158
	$	87,613	$	17,945	$	373,018	$	14,178	$	492,754
Less: Commercial real estate included in other loans held for sale										(14,178	)
Total									$	478,576

* Consumer real estate loans of $20.8 million, included within construction, land development, and other land loans, are not risk rated, in accordance with our policy.

Summary of Company's Internal Credit Quality Indicators Commercial and Industrial

	Commercial and industrial
Grade 1	$	5,398
Grade 2		249
Grade 3		7,948
Grade 4		26,930
Grade 5		566
Grade 6		3,830
Grade 7		717
Grade W		6,051
Not risk rated		232
Total	$	51,921

	Commercial and industrial
Grade 1	$	2,966
Grade 2		459
Grade 3		11,380
Grade 4		22,253
Grade 5		1,489
Grade 6		4,929
Grade 7		596
Grade W		5,292
Not risk rated		17
Total	$	49,381

Summary of Mortgage Loan by Credit Quality Indicators

	Single-family residential revolving, open end loans		Single-family residential closed end, first lien		Single-family residential closed end, junior lien		Total single-family residential loans
Performing	$	58,803	$	100,197	$	5,232	$	164,232
Nonperforming		912		4,872		277		6,061
Total	$	59,715	$	105,069	$	5,509	$	170,293

	Credit cards		Consumer-other		Total consumer
Performing	$	-	$	51,098	$	51,098
Nonperforming		19		254		273
Total	$	19	$	51,352	$	51,371

	Other
Performing	$	9,121
Nonperforming		—
Total	$	9,121

	Single-family residential revolving, open end loans		Single-family residential closed end, first lien		Single-family residential closed end, junior lien		Total single-family residential loans
Performing	$	58,128	$	111,623	$	6,482	$	176,233
Nonperforming		843		7,957		471		9,271
Total	$	58,971	$	119,580	$	6,953	$	185,504

	Credit cards		Consumer-other		Total Consumer
Performing	$	179	$	52,103	$	52,282
Nonperforming		16		473		489
Total	$	195	$	52,576	$	52,771

	Other
Performing	$	7,326
Nonperforming		—
Total	$	7,326

Summary of Delinquencies by Class

The following table summarizes delinquencies, by class, at September 30, 2012 (in thousands).

	30-89 days past due		Greater than 90 days past due on nonaccrual			Total past due			Current			Total loans
Construction, land development and other land loans	$	390	$	8,217		$	8,607		$	64,046		$	72,653
Multifamily residential		245		—			245			12,302			12,547
Nonfarm nonresidential		759		4,426			5,185			367,937			373,122
Total commercial real estate		1,394		12,643			14,037			444,285			458,322
Single-family real estate, revolving, open end loans		214		912			1,126			58,589			59,715
Single-family real estate, closed end, first lien		1,913		4,872			6,785			98,284			105,069
Single-family real estate, closed end, junior lien		208		277			485			5,024			5,509
Total single-family residential		2,335		6,061			8,396			161,897			170,293
Commercial and industrial		229		902			1,131			50,790			51,921
Credit cards		—		19			19			—			19
All other consumer		426		254			680			50,672			51,352
Total consumer		426		273			699			50,672			51,371
Farmland		—		—			—			3,166			3,166
Obligations of states and political subdivisions of the U.S.		—		—			—			667			667
Other		2		—			2			5,286			5,288
Total other		2		—			2			9,119			9,121
Total		4,386		19,879			24,265			716,763			741,028
Less: other loans held for sale		—		(2,113	)		(2,113	)		(4,975	)		(7,088	)
Total gross loans	$	4,386	$	17,766		$	22,152		$	711,788		$	733,940

	30-89 days past due		Greater than 90 days past due on nonaccrual			Total past due			Current			Total loans
Construction, land development and other land loans	$	94	$	27,085		$	27,179		$	64,975		$	92,154
Multifamily residential		—		—			—			17,945			17,945
Nonfarm nonresidential		574		14,870			15,444			367,211			382,655
Total commercial real estate		668		41,955			42,623			450,131			492,754
Single-family real estate, revolving, open end loans		379		843			1,222			57,749			58,971
Single-family real estate, closed end, first lien		2,633		7,957			10,590			108,990			119,580
Single-family real estate, closed end, junior lien		145		471			616			6,337			6,953
Total single-family residential		3,157		9,271			12,428			173,076			185,504
Commercial and industrial		314		1,313			1,627			47,754			49,381
Credit cards		—		16			16			179			195
All other consumer		760		473			1,233			51,343			52,576
Total consumer		760		489			1,249			51,522			52,771
Farmland		—		—			—			3,513			3,513
Obligations of states and political subdivisions of the U.S.		—		—			—			903			903
Other		2		—			2			2,908			2,910
		2		—			2			7,324			7,326
Total		4,901		53,028			57,929			729,807			787,736
Less: other loans held for sale		—		(5,812	)		(5,812	)		(8,366	)		(14,178	)
Total gross loans	$	4,901	$	47,216		$	52,117		$	721,441		$	773,558

Summary of Carrying Balance of Troubled Debt Restructurings at Dates

The following table summarizes the carrying balance of troubled debt restructurings at the dates indicated (in thousands). Troubled debt restructurings are those loans for which the Bank has made a concession as a result of the borrower experiencing financial difficulty.

	September 30, 2012						December 31, 2011
	Performing		Nonperforming		Total		Performing		Nonperforming		Total
Other loans held for sale	$	4,825	$	—	$	4,825	$	8,366	$	—	$	8,366
Loans, gross		27,119		3,043		30,162		37,191		9,546		46,737
Total troubled debt restructurings	$	31,944	$	3,043	$	34,987	$	45,557	$	9,546	$	55,103

Troubled Debt Restructuring Removed From Classification

The following table summarizes troubled debt restructurings removed from this classification during the periods indicated (dollars in thousands).

	For the three months ended September 30,				For the nine months ended September 30,
	2012		2011		2012		2011
Carrying balance	$	131	$	276	$	6,018	$	1,152
Count		1		1		19		2

Summary of Loans Modified

The following tables summarize, by class, loans that were modified resulting in troubled debt restructurings during the periods indicated (dollars in thousands).

	For the three months ended September 30, 2012						For the nine months ended September 30, 2012
	Number of contracts		Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment		Number of contracts		Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment
Construction, land development and other land loans		—	$	—	$	—		1	$	4,089	$	4,089
Nonfarm nonresidential		1		255		255		7		2,066		2,066
Total commercial real estate		1		255		255		8		6,155		6,155
Single-family real estate, closed end		3		645		645		4		715		715
Commercial and industrial		—		—		—		2		421		416
Total loans		4	$	900	$	900		14	$	7,291	$	7,286
Less: other loans held for sale		—		—		—		—		—		—
Loans, gross		4	$	900	$	900		14	$	7,291	$	7,286

	For the three months ended September 30, 2011						For the nine months ended September 30, 2011
	Number of contracts		Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment		Number of contracts		Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment
Construction, land development and other land loans		—	$	—	$	—		3	$	5,964	$	5,964
Nonfarm nonresidential		2		840		840		14		15,729		15,108
Total commercial real estate		2		840		840		17		21,693		21,072
Single-family real estate, closed end		1		111		111		9		991		991
Commercial and industrial		—		—		—		5		985		558
Consumer		1		10		10		1		10		10
Total loans		4	$	961	$	961		32	$	23,679	$	22,631
Less: other loans held for sale		—		—		—		3		11,250		10,869
Loans, gross		4	$	961	$	961		29	$	12,429	$	11,762

The following tables summarize, by type of concession, loans that were modified resulting in troubled debt restructurings during the periods indicated (dollars in thousands).

	For the three months ended September 30, 2012						For the nine months ended September 30, 2012
	Number of contracts		Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment		Number of contracts		Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment
Term concession		2	$	439	$	439		6	$	5,047	$	5,047
Rate and term concessions		2		461		461		8		2,244		2,239
Total loans		4	$	900	$	900		14	$	7,291	$	7,286
Less: other loans held for sale		—		—		—		—		—		—
Loans, gross		4	$	900	$	900		14	$	7,291	$	7,286

	For the three months ended September 30, 2011						For the nine months ended September 30, 2011
	Number of contracts		Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment		Number of contracts		Pre-modification outstanding recorded investment		Post-modification outstanding recorded investment
Rate concession		—	$	—	$	—		3	$	1,982	$	1,982
Term concession		1		10		10		19		10,969		10,543
Rate and term concessions		3		951		951		8		6,080		5,840
Required principal paydowns concession		—		—		—		1		1,736		1,355
Other		—		—		—		1		2,912		2,911
Total loans		4	$	961	$	961		32	$	23,679	$	22,631
Less: other loans held for sale		—		—		—		3		11,250		10,869
Loans, gross		4	$	961	$	961		29	$	12,429	$	11,762

Summary of Loans Troubled Debt Restructurings

The following tables summarize, by class, loans modified resulting in troubled debt restructurings within the previous 12-month period for which there was a payment default during the periods indicated (dollars in thousands).

	For the three months ended September 30, 2012				For the nine months ended September 30, 2012
	Number of contracts		Recorded investment		Number of contracts		Recorded investment
Construction, land development and other land loans		—	$	—		1	$	488
Nonfarm nonresidential		1		256		6		1,801
Total commercial real estate		1		256		7		2,289
Single-family real estate, closed end		—		—		1		46
Total loans		1	$	256		8	$	2,335
Less: other loans held for sale		—		—		—		—
Loans, gross		1	$	256		8	$	2,335

	For the three months ended September 30, 2011				For the nine months ended September 30, 2011
	Number of contracts		Recorded investment		Number of contracts		Recorded investment
Nonfarm nonresidential		2	$	2,122		4	$	2,780
Total commercial real estate		2		2,122		4		2,780
Single-family real estate, closed end		2		293		3		462
Commercial and industrial		—		—		4		461
Total loans		4	$	2,415		11	$	3,703
Less: other loans held for sale		—		—		—		—
Loans, gross		4	$	2,415		11	$	3,703

Summary of Composition of Troubled Debt Restructuring Impaired Loans

The following tables summarize the composition of impaired loans, including other loans held for sale, at the dates indicated (in thousands). All loans that have been modified in troubled debt restructurings are impaired loans.

	September 30, 2012
	Performing troubled debt restructured loans		Nonperforming troubled debt restructured loans		Nonperforming other loans		Performing other loans		Total
Other loans held for sale	$	4,825	$	—	$	2,113	$	—	$	6,938
Loans, gross		27,119		3,043		4,987		5,603		40,752
Total impaired loans	$	31,944	$	3,043	$	7,100	$	5,603	$	47,690

	December 31, 2011
	Performing troubled debt restructured loans		Nonperforming troubled debt restructured loans		Nonperforming other loans		Total
Other loans held for sale	$	8,366	$	—	$	5,812	$	14,178
Loans, gross		37,191		9,546		23,054		69,791
Total impaired loans	$	45,557	$	9,546	$	28,866	$	83,969

Summary of Composition of Impaired Loans, by Class

The following table summarizes the composition of and information relative to impaired loans, by class, at September 30, 2012 (in thousands).

	Gross loans						Other loans held for sale				Total loans
	Recorded investment		Unpaid principal balance		Related allowance		Recorded investment		Unpaid principal balance		Recorded investment		Unpaid principal balance		Related allowance
With no related allowance recorded:
Construction, land development and other land loans	$	5,340	$	20,082			$	2,113	$	9,072	$	7,453	$	29,154
Multifamily residential		—		—				—		—		—		—
Nonfarm nonresidential		1,666		6,094				4,825		6,603		6,491		12,697
Total commercial real estate		7,006		26,176				6,938		15,675		13,944		41,851
Single-family real estate, revolving, open end loans		—		—				—		—		—		—
Single-family real estate, closed end, first lien		2,014		6,656				—		—		2,014		6,656
Single-family real estate, closed end, junior lien		10		27				—		—		10		27
Total single-family residential		2,024		6,683				—		—		2,024		6,683
Commercial and industrial		596		1,022				—		—		596		1,022
Consumer		9		9								9		9
Total impaired loans with no related allowance recorded	$	9,635	$	33,890			$	6,938	$	15,675	$	16,573	$	49,565
With an allowance recorded:
Construction, land development and other land loans	$	1,221	$	1,221	$	159					$	1,221	$	1,221	$	159
Multifamily residential		245		245		6						245		245		6
Nonfarm nonresidential		27,014		27,395		2,962						27,014		27,395		2,962
Total commercial real estate		28,480		28,861		3,127						28,480		28,861		3,127
Single-family real estate, revolving, open end loans		405		405		—						405		405		—
Single-family real estate, closed end, first lien		1,111		1,111		97						1,111		1,111		97
Single-family real estate, closed end, junior lien		206		206		164						206		206		164
Total single-family residential		1,722		1,722		261						1,722		1,722		261
Commercial and industrial		885		885		49						885		885		49
Consumer		30		30		5						30		30		5
Total impaired loans with an allowance recorded	$	31,117	$	31,498	$	3,442					$	31,117	$	31,498	$	3,442
Total:
Construction, land development and other land loans	$	6,561	$	21,303	$	159	$	2,113	$	9,072	$	8,674	$	30,375	$	159
Multifamily residential		245		245		6		—		—		245		245		6
Nonfarm nonresidential		28,680		33,489		2,962		4,825		6,603		33,505		40,092		2,962
Total commercial real estate		35,486		55,037		3,127		6,938		15,675		42,424		70,712		3,127
Single-family real estate, revolving, open end loans		405		405		—		—		—		405		405		—
Single-family real estate, closed end, first lien		3,125		7,767		97		—		—		3,125		7,767		97
Single-family real estate, closed end, junior lien		216		233		164		—		—		216		233		164
Total single-family residential		3,746		8,405		261		—		—		3,746		8,405		261
Commercial and industrial		1,481		1,907		49		—		—		1,481		1,907		49
Consumer		39		39		5		—		—		39		39		5
Total impaired loans	$	40,752	$	65,388	$	3,442	$	6,938	$	15,675	$	47,690	$	81,063	$	3,442

Interest income recognized on impaired loans during the three and nine months ended September 30, 2012 was $475 thousand and $1.4 million, respectively. The average balance of total impaired loans was $49.9 million and $66.9 million for the same periods.

The following table summarizes the composition of and information relative to impaired loans, by class, at December 31, 2011 (in thousands).

	Gross loans						Other loans held for sale				Total loans
	Recorded investment		Unpaid principal balance		Related allowance		Recorded investment		Unpaid principal balance		Recorded investment		Unpaid principal balance		Related allowance
With no related allowance recorded:
Construction, land development and other land loans	$	16,845	$	36,735			$	4,541	$	16,799	$	21,386	$	53,534
Multifamily residential		—		—				—		—		—		—
Nonfarm nonresidential		16,047		22,188				9,637		13,831		25,684		36,019
Total commercial real estate		32,892		58,923				14,178		30,630		47,070		89,553
Single-family real estate, revolving, open end loans		—		—				—		—		—		—
Single-family real estate, closed end, first lien		2,742		6,928				—		—		2,742		6,928
Single-family real estate, closed end, junior lien		—		—				—		—		—		—
Total single-family residential		2,742		6,928				—		—		2,742		6,928
Commercial and industrial		886		1,312				—		—		886		1,312
Total impaired loans with no related allowance recorded	$	36,520	$	67,163			$	14,178	$	30,630	$	50,698	$	97,793
With an allowance recorded:
Construction, land development and other land loans	$	9,702	$	11,624	$	3,301					$	9,702	$	11,624	$	3,301
Multifamily residential		247		247		9						247		247		9
Nonfarm nonresidential		20,784		20,784		2,886						20,784		20,784		2,886
Total commercial real estate		30,733		32,655		6,196						30,733		32,655		6,196
Single-family real estate, revolving, open end loans		—		—		—						—		—		—
Single-family real estate, closed end, first lien		1,689		1,689		161						1,689		1,689		161
Single-family real estate, closed end, junior lien		183		183		54						183		183		54
Total single-family residential		1,872		1,872		215						1,872		1,872		215
Commercial and industrial		622		691		88						622		691		88
Consumer		44		44		6						44		44		6
Total impaired loans with an allowance recorded	$	33,271	$	35,262	$	6,505					$	33,271	$	35,262	$	6,505
Total:
Construction, land development and other land loans	$	26,547	$	48,359	$	3,301	$	4,541	$	16,799	$	31,088	$	65,158	$	3,301
Multifamily residential		247		247		9		—		—		247		247		9
Nonfarm nonresidential		36,831		42,972		2,886		9,637		13,831		46,468		56,803		2,886
Total commercial real estate		63,625		91,578		6,196		14,178		30,630		77,803		122,208		6,196
Single-family real estate, revolving, open end loans		—		—		—		—		—		—		—		—
Single-family real estate, closed end, first lien		4,431		8,617		161		—		—		4,431		8,617		161
Single-family real estate, closed end, junior lien		183		183		54		—		—		183		183		54
Total single-family residential		4,614		8,800		215		—		—		4,614		8,800		215
Commercial and industrial		1,508		2,003		88		—		—		1,508		2,003		88
Consumer		44		44		6		—		—		44		44		6
Total impaired loans	$	69,791	$	102,425	$	6,505	$	14,178	$	30,630	$	83,969	$	133,055	$	6,505

Allowance for Loan Losses

The following table summarizes the allowance for loan losses and recorded investment in gross loans, by portfolio segment, at and for the periods indicated (in thousands).

														At and for  the year ended December 31, 2011
	At and for the nine months ended September 30, 2012
	Commercial real estate		Single-family residential		Commercial and industrial			Consumer		Other		Total
														Total
Allowance for loan losses:
Allowance for loan losses, beginning of period	$	18,026	$	4,488	$	1,862		$	1,209	$	11	$	25,596	$	26,934
Provision for loan losses		10,126		1,689		(426	)		218		143		11,750		20,500
Loan charge-offs		15,495		3,044		361			498		497		19,895		22,832
Loan recoveries		170		94		133			145		345		887		994
Net loans charged-off		15,325		2,950		228			353		152		19,008		21,838
Allowance for loan losses, end of period	$	12,827	$	3,227	$	1,208		$	1,074	$	2	$	18,338	$	25,596
Individually evaluated for impairment	$	3,127	$	261	$	49		$	5	$	—	$	3,442	$	6,505
Collectively evaluated for impairment		9,700		2,966		1,159			1,069		2		14,896		19,091
Allowance for loan losses, end of period	$	12,827	$	3,227	$	1,208		$	1,074	$	2	$	18,338	$	25,596
Gross loans, end of period:
Individually evaluated for impairment	$	35,486	$	3,746	$	1,481		$	39	$	—	$	40,752	$	69,791
Collectively evaluated for impairment		415,898		166,397		50,440			51,332		9,121		693,188		703,767
Total gross loans	$	451,384	$	170,143	$	51,921		$	51,371	$	9,121	$	733,940	$	773,558