XML 61 R42.htm IDEA: XBRL DOCUMENT v3.3.1.900
Loans and Related Allowance for Credit Losses (Tables)
 12 Months Ended
Dec. 31, 2015
Classes of the Loan Portfolio Summarized by the Aggregate Risk Rating

The following table presents 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 December 31, 2015 and December 31, 2014 (in thousands):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2015

Pass

 

Special Mention

 

Substandard

 

Doubtful

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

$

 30,814 

 

$

 1,853 

 

$

 1,504 

 

$

 -

 

$

 34,171 

Real estate - commercial

 

 106,629 

 

 

 16,067 

 

 

 3,274 

 

 

 1,243 

 

 

 127,213 

Real estate - construction

 

 16,351 

 

 

 7,024 

 

 

 3,297 

 

 

 -

 

 

 26,672 

Real estate - mortgage

 

 152,161 

 

 

 6,595 

 

 

 4,656 

 

 

 1,205 

 

 

 164,617 

Obligations of states and political subdivisions

 

 17,069 

 

 

 455 

 

 

 

 

 

 -

 

 

 17,524 

Personal

 

 6,787 

 

 

 56 

 

 

 3 

 

 

 -

 

 

 6,846 

Total

$

 329,811 

 

$

 32,050 

 

$

 12,734 

 

$

 2,448 

 

$

 377,043 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2014

Pass

 

Special Mention

 

Substandard

 

Doubtful

 

Total

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

$

 17,904 

 

$

 5,697 

 

$

 137 

 

$

 -

 

$

 23,738 

Real estate - commercial

 

 70,369 

 

 

 15,297 

 

 

 3,037 

 

 

 1,297 

 

 

 90,000 

Real estate - construction

 

 12,934 

 

 

 3,486 

 

 

 3,957 

 

 

 336 

 

 

 20,713 

Real estate - mortgage

 

 128,898 

 

 

 5,611 

 

 

 4,280 

 

 

 1,887 

 

 

 140,676 

Obligations of states and political subdivisions

 

 15,708 

 

 

 22 

 

 

 -

 

 

 -

 

 

 15,730 

Personal

 

 3,987 

 

 

 57 

 

 

 -

 

 

 -

 

 

 4,044 

Total

$

 249,800 

 

$

 30,170 

 

$

 11,411 

 

$

 3,520 

 

$

 294,901 

 

Impaired Loans by Loan Portfolio Class

The following tables summarize information regarding impaired loans by portfolio class as of December 31, 2015 and December 31, 2014 (in thousands):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2015

 

 

As of December 31, 2014

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

 

$

 475 

 

$

 475 

 

$

 -

 

$

 1 

 

$

 1 

 

$

 -

Real estate - commercial

 

 

 1,851 

 

 

 2,024 

 

 

 -

 

 

 2,264 

 

 

 2,357 

 

 

 -

Acquired with credit deterioration

 

 

 834 

 

 

 893 

 

 

 -

 

 

 -

 

 

 -

 

 

 -

Real estate - construction

 

 

 -

 

 

 -

 

 

 -

 

 

 336 

 

 

 664 

 

 

 -

Real estate - mortgage

 

 

 2,636 

 

 

 4,127 

 

 

 -

 

 

 3,056 

 

 

 4,324 

 

 

 -

Acquired with credit deterioration

 

 

 630 

 

 

 642 

 

 

 -

 

 

 -

 

 

 -

 

 

 -

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Real estate - mortgage

 

$

 -

 

$

 -

 

$

 -

 

$

 896 

 

$

 937 

 

$

 150 

Total:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

 

$

 475 

 

$

 475 

 

$

 -

 

$

 1 

 

$

 1 

 

$

 -

Real estate - commercial

 

 

 1,851 

 

 

 2,024 

 

 

 -

 

 

 2,264 

 

 

 2,357 

 

 

 -

Acquired with credit deterioration

 

 

 834 

 

 

 893 

 

 

 -

 

 

 -

 

 

 -

 

 

 -

Real estate - construction

 

 

 -

 

 

 -

 

 

 -

 

 

 336 

 

 

 664 

 

 

 -

Real estate - mortgage

 

 

 2,636 

 

 

 4,127 

 

 

 -

 

 

 3,952 

 

 

 5,261 

 

 

 150 

Acquired with credit deterioration

 

 

 630 

 

 

 642 

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

$

 6,426 

 

$

 8,161 

 

$

 -

 

$

 6,553 

 

$

 8,283 

 

$

 150 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Year Ended December 31,  2015

 

 

Year Ended December 31,  2014

 

 

Year Ended December 31,  2013

Impaired loans

 

 

Average Recorded Investment

 

 

Interest Income Recognized

 

 

Cash Basis Interest Income

 

 

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

 

$

 238 

 

$

 25 

 

$

 -

 

$

 48 

 

$

 1 

 

$

 2 

 

$

 127 

 

$

 -

 

$

 -

Real estate - commercial

 

 

 2,058 

 

 

 45 

 

 

 27 

 

 

 2,141 

 

 

 62 

 

 

 49 

 

 

 2,345 

 

 

 96 

 

 

 24 

Acquired with credit deterioration

 

 

 417 

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

Real estate - construction

 

 

 168 

 

 

 -

 

 

 -

 

 

 420 

 

 

 -

 

 

 -

 

 

 1,254 

 

 

 2 

 

 

 6 

Real estate - mortgage

 

 

 2,846 

 

 

 27 

 

 

 36 

 

 

 3,205 

 

 

 76 

 

 

 71 

 

 

 1,920 

 

 

 64 

 

 

 24 

Acquired with credit deterioration

 

 

 53 

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

With an allowance recorded:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial financial and agricultural

 

$

 -

 

$

 -

 

$

 -

 

$

 -

 

$

 -

 

$

 -

 

$

 119 

 

$

 -

 

$

 -

Real estate - commercial

 

 

 -

 

 

 -

 

 

 -

 

 

 119 

 

 

 

 

 

 

 

 

 

 

 

 -

 

 

 -

Real estate - construction

 

 

 -

 

 

 -

 

 

 -

 

 

 739 

 

 

 -

 

 

 -

 

 

 838 

 

 

 -

 

 

 -

Real estate - mortgage

 

 

 448 

 

 

 -

 

 

 -

 

 

 631 

 

 

 -

 

 

 5 

 

 

 1,253 

 

 

 -

 

 

 7 

Total:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Commercial, financial and agricultural

 

 

 238 

 

 

 25 

 

 

 -

 

 

 48 

 

$

 1 

 

$

 2 

 

$

 127 

 

$

 -

 

$

 -

Real estate - commercial

 

 

 2,058 

 

 

 45 

 

 

 27 

 

 

 2,260 

 

 

 62 

 

 

 49 

 

 

 2,464 

 

 

 96 

 

 

 24 

Acquired with credit deterioration

 

 

 417 

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

Nonaccrual Loans by Classes of the Loan Portfolio

 

 

The following table presents nonaccrual loans by classes of the loan portfolio as of December 31, 2015 and December 31, 2014 (in thousands):

 

 

 

 

 

 

 

 

Nonaccrual loans:

 

December 31, 2015

 

 

December 31, 2014

Real estate - commercial

$

 1,286 

 

$

 1,717 

Real estate - construction

 

 -

 

 

 336 

Real estate - mortgage

 

 2,402 

 

 

 3,193 

Total

$

 3,688 

 

$

 5,246 

 

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 December 31, 2015 and December 31, 2014 (in thousands):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of  December 31, 2015

 

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

$

 92 

 

 

 -

 

 

 -

 

$

 92 

 

$

 34,079 

 

$

 34,171 

 

$

 -

Real estate - commercial

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Real estate - commercial

 

 112 

 

 

 124 

 

 

 1,243 

 

 

 1,479 

 

 

 124,900 

 

 

 126,379 

 

 

 -

 Acquired with credit deterioration

 

 -

 

 

 175 

 

 

 443 

 

 

 618 

 

 

 216 

 

 

 834 

 

 

 443 

Real estate - construction

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 26,672 

 

 

 26,672 

 

 

 -

Real estate - mortgage

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 Real estate - mortgage

 

 1,038 

 

 

 761 

 

 

 1,669 

 

 

 3,468 

 

 

 160,519 

 

 

 163,987 

 

 

 -

 Acquired with credit deterioration

 

 -

 

 

 61 

 

 

 119 

 

 

 180 

 

 

 450 

 

 

 630 

 

 

 119 

Obligations of states and political subdivisions

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 17,524 

 

 

 17,524 

 

 

 -

Personal

 

 56 

 

 

 48 

 

 

 2 

 

 

 106 

 

 

 6,740 

 

 

 6,846 

 

 

 2 

Total

$

 1,298 

 

$

 1,169 

 

$

 3,476 

 

$

 5,943 

 

$

 371,100 

 

$

 377,043 

 

$

 564 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of  December 31, 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 

 

$

 12 

 

$

 -

 

$

 14 

 

$

 23,724 

 

$

 23,738 

 

$

 -

Real estate - commercial

 

 388 

 

 

 61 

 

 

 1,717 

 

 

 2,166 

 

 

 87,834 

 

 

 90,000 

 

 

 -

Real estate - construction

 

 -

 

 

 104 

 

 

 336 

 

 

 440 

 

 

 20,273 

 

 

 20,713 

 

 

 -

Real estate - mortgage

 

 498 

 

 

 1,326 

 

 

 2,968 

 

 

 4,792 

 

 

 135,884 

 

 

 140,676 

 

 

 400 

Obligations of states and political subdivisions

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 15,730 

 

 

 15,730 

 

 

 -

Personal

 

 17 

 

 

 -

 

 

 -

 

 

 17 

 

 

 4,027 

 

 

 4,044 

 

 

 -

Total

$

 905 

 

$

 1,503 

 

$

 5,021 

 

$

 7,429 

 

$

 287,472 

 

$

 294,901 

 

$

 400 

 

Troubled Debt Restructurings on Financing Receivables

The following table summarizes information regarding troubled debt restructurings by loan portfolio class as of and for the years ended December 31, 2015 and 2014, in thousands of dollars.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Number of Contracts

 

Pre-Modification Outstanding Recorded Investment

 

Post-Modification Outstanding Recorded Investment

 

Recorded Investment

As of December 31, 2015

 

 

 

 

 

 

 

 

 

 

Accruing troubled debt restructurings:

 

 

 

 

 

 

 

 

 

 

  Real estate - commercial

1

 

$

 148 

 

$

 148 

 

$

 142 

Real estate - mortgage

6

 

 

 254 

 

 

 282 

 

 

 234 

 

7

 

$

 402 

 

$

 430 

 

$

 376 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2014

 

 

 

 

 

 

 

 

 

 

Accruing troubled debt restructurings:

 

 

 

 

 

 

 

 

 

 

  Real estate - commercial

1

 

$

 148 

 

$

 148 

 

$

 145 

Real estate - mortgage

6

 

 

 254 

 

 

 282 

 

 

 256 

 

 

 

 

 

 

 

 

 

 

 

Non-accruing troubled debt restructurings:

 

 

 

 

 

 

 

 

 

 

Real estate - mortgage

1

 

 

 364 

 

 

 371 

 

 

 366 

 

8

 

$

 766 

 

$

 801 

 

$

 767 

 

Allowance for Loan Losses and Recorded Investments in Loans Receivable

 

The following tables summarize loans and the activity in the allowance for loan losses by loan class, segregated into the amount required for loans individually evaluated for impairment and the amount required for loans collectively evaluated for impairment as of and for the years ended December 31, 2015, 2014 and  2013 (in thousands):

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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, January 1, 2015

$

 222 

 

$

 665 

 

$

 155 

 

$

 1,300 

 

$

 -

 

$

 38 

 

$

 2,380 

Charge-offs

 

 (11)

 

 

 (66)

 

 

 (24)

 

 

 (305)

 

 

 -

 

 

 (9)

 

 

 (415)

Recoveries

 

 7 

 

 

 -

 

 

 -

 

 

 1 

 

 

 -

 

 

 3 

 

 

 11 

Provisions

 

 46 

 

 

 237 

 

 

 60 

 

 

 144 

 

 

 -

 

 

 15 

 

 

 502 

Ending balance, December 31, 2015

$

 264 

 

$

 836 

 

$

 191 

 

$

 1,140 

 

$

 -

 

$

 47 

 

$

 2,478 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2015

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

$

 264 

 

$

 836 

 

$

 191 

 

$

 1,140 

 

$

 -

 

$

 47 

 

$

 2,478 

evaluated for impairment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

individually

$

 -

 

$

 -

 

$

 -

 

$

 -

 

$

 -

 

$

 -

 

$

 -

collectively

$

 264 

 

$

 836 

 

$

 191 

 

$

 1,140 

 

$

 -

 

$

 47 

 

$

 2,478 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance

$

 34,171 

 

$

 127,213 

 

$

 26,672 

 

$

 164,617 

 

$

 17,524 

 

$

 6,846 

 

$

 377,043 

evaluated for impairment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

individually

$

 475 

 

$

 1,828 

 

$

 -

 

$

 2,532 

 

$

 -

 

$

 -

 

$

 4,835 

collectively

$

 33,696 

 

$

 124,551 

 

$

 26,672 

 

$

 161,455 

 

$

 17,524 

 

$

 6,846 

 

$

 370,744 

acquired with credit deterioration

$

 -

 

 

 834 

 

$

 -

 

$

 630 

 

$

 

 

$

 -

 

$

 1,464 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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, January 1, 2014

$

 253 

 

$

 534 

 

$

 212 

 

$

 1,246 

 

$

 -

 

$

 42 

 

$

 2,287 

Charge-offs

 

 (20)

 

 

 (92)

 

 

 (18)

 

 

 (125)

 

 

 -

 

 

 (20)

 

 

 (275)

Recoveries

 

 4 

 

 

 5 

 

 

 -

 

 

 -

 

 

 -

 

 

 2 

 

 

 11 

Provisions

 

 (15)

 

 

 218 

 

 

 (39)

 

 

 179 

 

 

 -

 

 

 14 

 

 

 357 

Ending balance

$

 222 

 

$

 665 

 

$

 155 

 

$

 1,300 

 

$

 -

 

$

 38 

 

$

 2,380 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

As of December 31, 2014

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

$

 222 

 

$

 665 

 

$

 155 

 

$

 1,300 

 

$

 -

 

$

 38 

 

$

 2,380 

evaluated for impairment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

individually

$

 -

 

$

 -

 

$

 -

 

$

 150 

 

$

 -

 

$

 -

 

$

 150 

collectively

$

 222 

 

$

 665 

 

$

 155 

 

$

 1,150 

 

$

 -

 

$

 38 

 

$

 2,230 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Loans:

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Ending balance

$

 23,738 

 

$

 90,000 

 

$

 20,713 

 

$

 140,676 

 

$

 15,730 

 

$

 4,044 

 

$

 294,901 

evaluated for impairment

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

individually

$

 1 

 

$

 2,264 

 

$

 336 

 

$

 3,952 

 

$

 -

 

$

 -

 

$

 6,553 

collectively

$

 23,737 

 

$

 87,736 

 

$

 20,377 

 

$

 136,724 

 

$

 15,730 

 

$

 4,044 

 

$

 288,348 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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, January 1, 2013

$

 179 

 

$

 463 

 

$

 202 

 

$

 2,387 

 

$

 -

 

$

 50 

 

$

 3,281 

Charge-offs

 

 (4)

 

 

 -

 

 

 (117)

 

 

 (1,281)

 

 

 -

 

 

 (29)

 

 

 (1,431)

Recoveries

 

 13 

 

 

 -

 

 

 -

 

 

 -

 

 

 -

 

 

 9 

 

 

 22 

Provisions

 

 65 

 

 

 71 

 

 

 127 

 

 

 140 

 

 

 -

 

 

 12 

 

 

 415 

Ending balance

$

 253 

 

$

 534 

 

$

 212 

 

$

 1,246 

 

$

 -

 

$

 42 

 

$

 2,287 

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 

 

Restructured Loan [Member]  
Troubled Debt Restructurings on Financing Receivables

There were no loans whose terms have been modified resulting in troubled debt restructurings during 2015. The following table summarizes loans whose terms have been modified, resulting in troubled debt restructurings during 2014, in thousands of dollars.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Year ended December 31, 2014

 

 

 

 

 

 

 

 

 

 

Accruing troubled debt restructurings:

 

 

 

 

 

 

 

 

 

 

Real estate - mortgage

3 

 

$

 92 

 

$

 92 

 

$

 87 

 

3 

 

$

 92 

 

$

 92 

 

$

 87