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Loans and Related Allowace for Credit Losses (Tables)
 6 Months Ended
Jun. 30, 2014
Loans and Related Allowance for Credit Losses [Abstract]  
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating

The following tables present the classes of the loan portfolio summarized by the aggregate pass rating and the classified ratings of special mention, substandard and doubtful within the Company’s internal risk rating system as of June 30, 2014 and December 31, 2013 (in thousands): 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of June 30, 2014

Pass

 

Special Mention

 

Substandard

 

Doubtful

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

$
17,835 

 

$
5,667 

 

$
219 

 

$

 -

 

$
23,721 

Real estate - commercial

 
64,716 

 

 
12,806 

 

 
5,150 

 

 
1,535 

 

 
84,207 

Real estate - construction

 
15,037 

 

 
454 

 

 
2,258 

 

 
525 

 

 
18,274 

Real estate - mortgage

 
125,844 

 

 
5,377 

 

 
3,664 

 

 
1,955 

 

 
136,840 

Obligations of states and political subdivisions

 
10,879 

 

 
25 

 

 

 -

 

 

 -

 

 
10,904 

Personal

 
4,335 

 

 
63 

 

 

 -

 

 

 -

 

 
4,398 

Total

$
238,646 

 

$
24,392 

 

$
11,291 

 

$
4,015 

 

$
278,344 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2013

Pass

 

Special Mention

 

Substandard

 

Doubtful

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

$
20,388 

 

$
5,658 

 

$
235 

 

$

 -

 

$
26,281 

Real estate - commercial

 
56,867 

 

 
11,706 

 

 
5,620 

 

 
278 

 

 
74,471 

Real estate - construction

 
15,803 

 

 
292 

 

 
1,754 

 

 
1,832 

 

 
19,681 

Real estate - mortgage

 
130,706 

 

 
3,995 

 

 
4,272 

 

 
1,486 

 

 
140,459 

Obligations of states and political subdivisions

 
12,674 

 

 
28 

 

 

 -

 

 

 -

 

 
12,702 

Personal

 
4,204 

 

 

 -

 

 

 -

 

 

 -

 

 
4,204 

Total

$
240,642 

 

$
21,679 

 

$
11,881 

 

$
3,596 

 

$
277,798 

 

Impaired Loans by Loan Portfolio Class

The following tables summarize information regarding impaired loans by portfolio class as of June 30, 2014 and December 31, 2013 (in thousands):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of June 30, 2014

 

 

As of December 31, 2013

Impaired loans

 

Recorded Investment

 

Unpaid Principal Balance

 

Related Allowance

 

Recorded Investment

 

Unpaid Principal Balance

 

Related Allowance

With no related allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

agricultural

 

$
6 

 

$
6 

 

$

 -

 

$
94 

 

$
94 

 

$

 -

Real estate - commercial

 

 
998 

 

 
1,005 

 

 

 -

 

 
2,017 

 

 
2,142 

 

 

 -

Real estate - construction

 

 
1 

 

 
64 

 

 

 -

 

 
504 

 

 
813 

 

 

 -

Real estate - mortgage

 

 
3,126 

 

 
4,382 

 

 

 -

 

 
3,353 

 

 
4,751 

 

 

 -

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate - commercial

 

$
1,535 

 

$
1,535 

 

$
112 

 

$
238 

 

$
238 

 

$
26 

Real estate - construction

 

 
524 

 

 
802 

 

 
76 

 

 
1,478 

 

 
1,502 

 

 
93 

Real estate - mortgage

 

 
351 

 

 
391 

 

 
36 

 

 
365 

 

 
394 

 

 
45 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

agricultural

 

$
6 

 

$
6 

 

$

 -

 

$
94 

 

$
94 

 

$

 -

Real estate - commercial

 

 
2,533 

 

 
2,540 

 

 
112 

 

 
2,255 

 

 
2,380 

 

 
26 

Real estate - construction

 

 
525 

 

 
866 

 

 
76 

 

 
1,982 

 

 
2,315 

 

 
93 

Real estate - mortgage

 

 
3,477 

 

 
4,773 

 

 
36 

 

 
3,718 

 

 
5,145 

 

 
45 

 

 

$
6,541 

 

$
8,185 

 

$
224 

 

$
8,049 

 

$
9,934 

 

$
164 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Three Months Ended June 30, 2014

 

Three Months Ended June 30, 2013

Impaired loans

 

Average Recorded Investment

 

Interest Income Recognized

 

Cash Basis Interest Income

 

Average Recorded Investment

 

Interest Income Recognized

 

Cash Basis Interest Income

With no related allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

agricultural

 

$
7 

 

$
11 

 

$
1 

 

$
144 

 

$
2 

 

$

 -

Real estate - commercial

 

 
917 

 

 
1 

 

 
21 

 

 
2,598 

 

 
15 

 

 
8 

Real estate - construction

 

 
1 

 

 

 -

 

 

 -

 

 
734 

 

 

 -

 

 
2 

Real estate - mortgage

 

 
3,348 

 

 
9 

 

 
41 

 

 
2,749 

 

 
11 

 

 
12 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate - commercial

 

$
1,767 

 

$

 -

 

$
2 

 

$
124 

 

$

 -

 

$

 -

Real estate - construction

 

 
526 

 

 

 -

 

 

 -

 

 
1,547 

 

 

 -

 

 

 -

Real estate - mortgage

 

 
355 

 

 

 -

 

 

 -

 

 
186 

 

 

 -

 

 
3 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

agricultural

 

$
7 

 

$
11 

 

$
1 

 

$
144 

 

$
2 

 

$

 -

Real estate - commercial

 

 
2,684 

 

 
1 

 

 
23 

 

 
2,722 

 

 
15 

 

 
8 

Real estate - construction

 

 
527 

 

 

 -

 

 

 -

 

 
2,281 

 

 

 -

 

 
2 

Real estate - mortgage

 

 
3,703 

 

 
9 

 

 
41 

 

 
2,935 

 

 
11 

 

 
15 

 

 

$
6,921 

 

$
21 

 

$
65 

 

$
8,082 

 

$
28 

 

$
25 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Six Months Ended June 30, 2014

 

Six Months Ended June 30, 2013

Impaired loans

 

Average Recorded Investment

 

Interest Income Recognized

 

Cash Basis Interest Income

 

Average Recorded Investment

 

Interest Income Recognized

 

Cash Basis Interest Income

With no related allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

agricultural

 

$
50 

 

$
11 

 

$
1 

 

$
151 

 

$
5 

 

$

 -

Real estate - commercial

 

 
1,508 

 

 
12 

 

 
24 

 

 
2,641 

 

 
42 

 

 
8 

Real estate - construction

 

 
253 

 

 

 -

 

 

 -

 

 
1,087 

 

 

 -

 

 
2 

Real estate - mortgage

 

 
3,240 

 

 
24 

 

 
56 

 

 
2,023 

 

 
11 

 

 
12 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate - commercial

 

$
887 

 

$

 -

 

$
11 

 

$
124 

 

$

 -

 

$

 -

Real estate - construction

 

 
1,001 

 

 

 -

 

 

 -

 

 
1,196 

 

 

 -

 

 

 -

Real estate - mortgage

 

 
358 

 

 

 -

 

 

 -

 

 
1,256 

 

 

 -

 

 
3 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

agricultural

 

$
50 

 

$
11 

 

$
1 

 

$
151 

 

$
5 

 

$

 -

Real estate - commercial

 

 
2,395 

 

 
12 

 

 
35 

 

 
2,765 

 

 
42 

 

 
8 

Real estate - construction

 

 
1,254 

 

 

 -

 

 

 -

 

 
2,283 

 

 

 -

 

 
2 

Real estate - mortgage

 

 
3,598 

 

 
24 

 

 
56 

 

 
3,279 

 

 
11 

 

 
15 

 

 

$
7,297 

 

$
47 

 

$
92 

 

$
8,478 

 

$
58 

 

$
25 

 

Nonaccrual Loans by Classes of the Loan Portfolio

The following table presents nonaccrual loans by classes of the loan portfolio as of June 30, 2014 and December 31, 2013 (in thousands):

 

 

 

 

 

 

 

 

Nonaccrual loans:

 

June 30, 2014

 

 

December 31, 2013

Commercial, financial and agricultural

$
6 

 

$
10 

Real estate - commercial

 
1,967 

 

 
1,331 

Real estate - construction

 
525 

 

 
1,982 

Real estate - mortgage

 
2,744 

 

 
2,629 

Total

$
5,242 

 

$
5,952 

 

Loan Portfolio Summarized by the Past Due Status

The following table presents the classes of the loan portfolio summarized by the past due status as of June 30, 2014 and December 31, 2013 (in thousands):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of  June 30, 2014

 

30-59 Days Past Due

 

 

60-89 Days Past Due

 

 

Greater than 90 Days

 

 

Total Past Due

 

 

Current

 

 

Total Loans

 

 

Loans Past Due greater than 90 Days and Accruing

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

$
2 

 

$
29 

 

$
6 

 

$
37 

 

$
23,684 

 

$
23,721 

 

$

 -

Real estate - commercial

 
368 

 

 
550 

 

 
1,966 

 

 
2,884 

 

 
81,323 

 

 
84,207 

 

 

 -

Real estate - construction

 
22 

 

 
105 

 

 
356 

 

 
483 

 

 
17,791 

 

 
18,274 

 

 
1 

Real estate - mortgage

 
866 

 

 
1,192 

 

 
2,820 

 

 
4,878 

 

 
131,962 

 

 
136,840 

 

 
435 

Obligations of states and political subdivisions

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 
10,904 

 

 
10,904 

 

 

 -

Personal

 
5 

 

 
11 

 

 

 -

 

 
16 

 

 
4,382 

 

 
4,398 

 

 

 -

Total

$
1,263 

 

$
1,887 

 

$
5,148 

 

$
8,298 

 

$
270,046 

 

$
278,344 

 

$
436 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of  December 31, 2013

 

30-59 Days Past Due

 

 

60-89 Days Past Due

 

 

Greater than 90 Days

 

 

Total Past Due

 

 

Current

 

 

Total Loans

 

 

Loans Past Due greater than 90 Days and Accruing

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

$
19 

 

$

 -

 

$
10 

 

$
29 

 

$
26,252 

 

$
26,281 

 

$

 -

Real estate - commercial

 
35 

 

 
1,092 

 

 
947 

 

 
2,074 

 

 
72,397 

 

 
74,471 

 

 
61 

Real estate - construction

 
239 

 

 
7 

 

 
1,801 

 

 
2,047 

 

 
17,634 

 

 
19,681 

 

 

 -

Real estate - mortgage

 
1,239 

 

 
2,130 

 

 
2,585 

 

 
5,954 

 

 
134,505 

 

 
140,459 

 

 
251 

Obligations of states and political subdivisions

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 
12,702 

 

 
12,702 

 

 

 -

Personal

 
23 

 

 
1 

 

 

 -

 

 
24 

 

 
4,180 

 

 
4,204 

 

 

 -

Total

$
1,555 

 

$
3,230 

 

$
5,343 

 

$
10,128 

 

$
267,670 

 

$
277,798 

 

$
312 

 

 

Troubled Debt Restructurings on Financing Receivables

 

The following table summarizes information regarding troubled debt restructurings by loan portfolio class at June 30, 2014 and December 31, 2013, in thousands of dollars.

 

 

 

 

 

 

 

 

 

 

 

 

 

Number of Contracts

 

Pre-Modification Outstanding Recorded Investment

 

Post-Modification Outstanding Recorded Investment

 

Recorded Investment

As of June 30, 2014

 

 

 

 

 

 

 

 

 

 

Accruing troubled debt restructurings:

 

 

 

 

 

 

 

 

 

 

Real estate - mortgage

6

 

$
723 

 

$
758 

 

$
737 

 

6

 

$
723 

 

$
758 

 

$
737 

As of December 31, 2013

 

 

 

 

 

 

 

 

 

 

Accruing troubled debt restructurings:

 

 

 

 

 

 

 

 

 

 

  Real estate - commercial

1

 

$
64 

 

$
64 

 

$
61 

Real estate - mortgage

6

 

 
694 

 

 
729 

 

 
714 

 

7

 

$
758 

 

$
793 

 

$
775 

 

The following table summarizes loans whose terms have been modified resulting in troubled debt restructurings during the three and six months ended June 30, 2014 and June 30, 2013, in thousands of dollars:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Number of Contracts

 

Pre-Modification Outstanding Recorded Investment

 

Post-Modification Outstanding Recorded Investment

 

Recorded Investment

Three months ended June 30, 2014

 

 

 

 

 

 

 

 

 

 

Accruing troubled debt restructurings:

 

 

 

 

 

 

 

 

 

 

Real estate - mortgage

1 

 

$
49 

 

$
49 

 

$
47 

 

1 

 

$
49 

 

$
49 

 

$
47 

Six months ended June 30, 2014

 

 

 

 

 

 

 

 

 

 

Accruing troubled debt restructurings:

 

 

 

 

 

 

 

 

 

 

Real estate - mortgage

1 

 

$
49 

 

$
49 

 

$
47 

 

1 

 

$
49 

 

$
49 

 

$
47 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Number of Contracts

 

Pre-Modification Outstanding Recorded Investment

 

Post-Modification Outstanding Recorded Investment

 

Recorded Investment

Three months ended June 30, 2013

 

 

 

 

 

 

 

 

 

 

Accruing troubled debt restructurings:

 

 

 

 

 

 

 

 

 

 

  Real estate - commercial

1 

 

$
64 

 

$
64 

 

$
61 

Real estate - mortgage

3 

 

 
136 

 

 
158 

 

 
148 

 

4 

 

$
200 

 

$
222 

 

$
209 

Six months ended June 30, 2013

 

 

 

 

 

 

 

 

 

 

Accruing troubled debt restructurings:

 

 

 

 

 

 

 

 

 

 

  Real estate - commercial

1 

 

$
64 

 

$
64 

 

$
61 

Real estate - mortgage

4 

 

 
500 

 

 
529 

 

 
519 

 

5 

 

$
564 

 

$
593 

 

$
580 

 

Allowance for Loan Losses and Recorded Investments in Loans Receivable

The following tables summarize the activity in the allowance for loan losses and related investments in loans receivable (in thousands):

 

As of, and for the period ended, June 30, 2014

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses:

Commercial, financial and agricultural

 

Real estate - commercial

 

Real estate - construction

 

Real estate - mortgage

 

Obligations of states and political subdivisions

 

Personal

 

Total

Beginning balance, April 1, 2014

$
250 

 

$
615 

 

$
172 

 

$
1,223 

 

$

 -

 

$
40 

 

$
2,300 

  Charge-offs

 
(1)

 

 
(5)

 

 

 -

 

 
(58)

 

 

 -

 

 

 -

 

 
(64)

  Recoveries

 
1 

 

 
4 

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 
5 

  Provisions

 
(25)

 

 
75 

 

 
23 

 

 
43 

 

 

 -

 

 
1 

 

 
117 

Ending balance, June 30, 2014

$
225 

 

$
689 

 

$
195 

 

$
1,208 

 

$

 -

 

$
41 

 

$
2,358 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance, January 1, 2014

$
253 

 

$
534 

 

$
212 

 

$
1,246 

 

$

 -

 

$
42 

 

$
2,287 

  Charge-offs

 
(2)

 

 
(5)

 

 

 -

 

 
(63)

 

 

 -

 

 
(3)

 

 
(73)

  Recoveries

 
3 

 

 
4 

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 
7 

  Provisions

 
(29)

 

 
156 

 

 
(17)

 

 
25 

 

 

 -

 

 
2 

 

 
137 

Ending balance, June 30, 2014

$
225 

 

$
689 

 

$
195 

 

$
1,208 

 

$

 -

 

$
41 

 

$
2,358 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

 

Real estate - commercial

 

Real estate - construction

 

Real estate - mortgage

 

Obligations of states and political subdivisions

 

Personal

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance

$
225 

 

$
689 

 

$
195 

 

$
1,208 

 

$

 -

 

$
41 

 

$
2,358 

evaluated for impairment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

individually

$

 -

 

$
112 

 

$
76 

 

$
36 

 

$

 -

 

$

 -

 

$
224 

collectively

$
225 

 

$
577 

 

$
119 

 

$
1,172 

 

$

 -

 

$
41 

 

$
2,134 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance

$
23,721 

 

$
84,207 

 

$
18,274 

 

$
136,840 

 

$
10,904 

 

$
4,398 

 

$
278,344 

evaluated for impairment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

individually

$
6 

 

$
2,533 

 

$
525 

 

$
3,477 

 

$

 -

 

$

 -

 

$
6,541 

collectively

$
23,715 

 

$
81,674 

 

$
17,749 

 

$
133,363 

 

$
10,904 

 

$
4,398 

 

$
271,803 

 

 

 

As of, and for the period ended, June 30, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Allowance for loan losses:

Commercial, financial and agricultural

 

Real estate - commercial

 

Real estate - construction

 

Real estate - mortgage

 

Obligations of states and political subdivisions

 

Personal

 

Total

Beginning balance, April 1, 2013

$
193 

 

$
470 

 

$
221 

 

$
1,385 

 

$

 -

 

$
47 

 

$
2,316 

  Charge-offs

 
(4)

 

 

 -

 

 

 -

 

 
(22)

 

 

 -

 

 
(3)

 

 
(29)

  Recoveries

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 
2 

 

 
2 

  Provisions

 
11 

 

 
84 

 

 
37 

 

 
(46)

 

 

 -

 

 

 -

 

 
86 

Ending balance, June 30, 2013

$
200 

 

$
554 

 

$
258 

 

$
1,317 

 

$

 -

 

$
46 

 

$
2,375 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Beginning balance, January 1, 2013

$
179 

 

$
463 

 

$
202 

 

$
2,387 

 

$

 -

 

$
50 

 

$
3,281 

  Charge-offs

 
(4)

 

 

 -

 

 

 -

 

 
(1,060)

 

 

 -

 

 
(13)

 

 
(1,077)

  Recoveries

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 
5 

 

 
5 

  Provisions

 
25 

 

 
91 

 

 
56 

 

 
(10)

 

 

 -

 

 
4 

 

 
166 

Ending balance, June 30, 2013

$
200 

 

$
554 

 

$
258 

 

$
1,317 

 

$

 -

 

$
46 

 

$
2,375 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

 

Real estate - commercial

 

Real estate - construction

 

Real estate - mortgage

 

Obligations of states and political subdivisions

 

Personal

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance

$
200 

 

$
554 

 

$
258 

 

$
1,317 

 

$

 -

 

$
46 

 

$
2,375 

evaluated for impairment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

individually

$

 -

 

$
72 

 

$
149 

 

$
118 

 

$

 -

 

$

 -

 

$
339 

collectively

$
200 

 

$
482 

 

$
109 

 

$
1,199 

 

$

 -

 

$
46 

 

$
2,036 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance

$
20,336 

 

$
72,146 

 

$
20,094 

 

$
147,038 

 

$
10,953 

 

$
4,693 

 

$
275,260 

evaluated for impairment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

individually

$
142 

 

$
2,858 

 

$
2,363 

 

$
3,930 

 

$

 -

 

$

 -

 

$
9,293 

collectively

$
20,194 

 

$
69,288 

 

$
17,731 

 

$
143,108 

 

$
10,953 

 

$
4,693 

 

$
265,967 

 

 

As of December 31, 2013

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2013

Commercial, financial and agricultural

 

Real estate - commercial

 

Real estate - construction

 

Real estate - mortgage

 

Obligations of states and political subdivisions

 

Personal

 

Total

Allowance for loan losses:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance

$
253 

 

$
534 

 

$
212 

 

$
1,246 

 

$

 -

 

$
42 

 

$
2,287 

evaluated for impairment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

individually

$

 -

 

$
26 

 

$
93 

 

$
45 

 

$

 -

 

$

 -

 

$
164 

collectively

$
253 

 

$
508 

 

$
119 

 

$
1,201 

 

$

 -

 

$
42 

 

$
2,123 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance

$
26,281 

 

$
74,471 

 

$
19,681 

 

$
140,459 

 

$
12,702 

 

$
4,204 

 

$
277,798 

evaluated for impairment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

individually

$
94 

 

$
2,255 

 

$
1,982 

 

$
3,718 

 

$

 -

 

$

 -

 

$
8,049 

collectively

$
26,187 

 

$
72,216 

 

$
17,699 

 

$
136,741 

 

$
12,702 

 

$
4,204 

 

$
269,749