8. Troubled Debt Restructuring (Tables)

9 Months Ended

Sep. 30, 2016

Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation, Asset Types

Troubled debt restructuring

 Modifications may have included rate adjustments, revisions to amortization schedules, suspension of principal payments for a temporary period, re-advancing funds to be applied as payments to bring the loan(s) current, or any combination thereof.

	Nine Months ended September 30, 2016
			Pre-Modification		Post-Modification
			Outstanding (in thousands)		Outstanding (in thousands)
	Number of Contracts		Recorded Investment		Recorded Investment
Troubled Debt Restructurings:
Real Estate		2	$	142	$	142
Consumer		4		33		33
Total		7	$	175	$	175

During the quarter ended September 30, 2016, there was one loan modifications that was a troubled debt restructurings.

	Three Months ended September 30, 2016
			Pre-Modification		Post-Modification
			Outstanding (in thousands)		Outstanding (in thousands)
	Number of Contracts		Recorded Investment		Recorded Investment
Troubled Debt Restructurings:
Consumer		1	$	6	$	6
Total		1	$	6	$	6

At September 30, 2016, six loans that had been restructured in the previous 12 months, were in default or were on nonaccrual status. A restructured loan is considered in default when it becomes 90 days past due.

	September 30, 2016
			Pre-Modification		Post-Modification
			Outstanding (in thousands)		Outstanding (in thousands)
	Number of Contracts		Recorded Investment		Recorded Investment
Troubled Debt Restructurings:
Real Estate		5	$	2,053	$	2,053
Consumer		1		15		15
Total		6	$	2,068	$	2,068

During the nine months ended September 30, 2015, there were fifteen loan modifications that were considered to be troubled debt restructurings. Modifications may have included rate adjustments, revisions to amortization schedules, suspension of principal payments for a temporary period, re-advancing funds to be applied as payments to bring the loan(s) current, or any combination thereof.

	Nine Months ended September 30, 2015
			Pre-Modification		Post-Modification
			Outstanding (in thousands)		Outstanding (in thousands)
	Number of Contracts		Recorded Investment		Recorded Investment
Troubled Debt Restructurings:
Commercial		1	$	978	$	978
Real Estate		5		3,342		3,342
Home Equity		5		1,648		1,648
Consumer		4		40		40
Total		15	$	6,008	$	6,008

During the quarter ended September 30, 2015, there were seven loan modifications that were considered to be troubled debt restructurings.

	Three Months ended September 30, 2015
			Pre-Modification		Post-Modification
			Outstanding (in thousands)		Outstanding (in thousands)
	Number of Contracts		Recorded Investment		Recorded Investment
Troubled Debt Restructurings:
Commercial		1	$	978	$	978
Real Estate		1		612		612
Home Equity		5		1,648		1,648
Total		7	$	3,238	$	3,238