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Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)
 9 Months Ended
Sep. 30, 2012
Allowance for Loan Losses, Nonperforming Assets and Impaired Loans [Abstract]  
Financing receivables and activity in the allowance for credit losses account
A detailed analysis showing the allowance roll-forward by portfolio segment and related loan balance by segment follows.

   
Activity in the Allowance for Loan Losses for the Three Months Ended September 30, 2012
   
Real Estate Construction
 
Consumer Real Estate
 
Commercial Real Estate
 
Commercial Non Real Estate
 
Public Sector and IDA
 
Consumer Non Real Estate
 
Unallocated
 
Total
 
Balance, June 30, 2012
 
$
1,396
 
$
1,910
 
$
3,257
 
$
909
 
$
111
 
$
422
 
$
163
 
$
8,168
 
Charge-offs
  
(51
)
 
(33
)
 
(592
)
 
---
   
---
  
(40
)
 
---
   
(716
)
Recoveries
  
---
   
---
   
---
  
1
   
---
  
23
   
---
   
24
 
Provision for loan losses
  
(158
)
 
95
   
872
  
(46
)
 
34
  
(5
)
 
(14
)
 
778
 
Balance, September 30, 2012
 
$
1,187
 
$
1,972
 
$
3,537
 
 
$
 
864
 
$
145
 
$
400
 
$
149
 
$
8,254
 


   
Activity in the Allowance for Loan Losses for the Nine Months Ended September 30, 2012
   
Real Estate Construction
 
Consumer Real Estate
 
Commercial Real Estate
 
Commercial Non Real Estate
 
Public Sector and IDA
 
Consumer Non Real Estate
 
Unallocated
  
Total
 
Balance, December 31, 2011
 
$
1,079
 
$
1,245
 
$
3,515
 
 
$
 
1,473
 
$
232
 
$
403
 
$
121
 
$
8,068
 
Charge-offs
  
(640
)
 
(278
)
 
(1,329
)
 
(5
)
 
---
   
(192
)
 
---
   
(2,444
)
Recoveries
  
13
   
2
   
---
  
2
   
---
   
59
   
---
   
76
 
Provision for loan losses
  
735
   
1,003
   
1,351
  
(606
)
 
(87
)
 
130
   
28
   
2,554
 
Balance, September 30, 2012
 
$
1,187
 
$
1,972
 
$
3,537
 
 
$
 
864
 
$
145
 
$
400
 
$
149
 
$
8,254
 
 

   
Activity in the Allowance for Loan Losses for the Three Months Ended September 30, 2011
 
   
Consumer Real Estate(1)
  
Consumer Non Real Estate(1)
  
Commercial Real Estate(1)
  
Commercial & Industrial(1)
  
Construction, Development & Other Land(1)
  
 
Unallocated
  
Total
 
Balance, June 30, 2011
 $1,371  $483  $4,333  $1,348  $636  $323  $8,494 
Charge-offs
  (217)  (58)  (41)  (30)  (100)  ---   (446)
Recoveries
  ---   28   ---   ---   ---   ---   28 
Provision for loan losses
  61   8   339   (76)  515   (204)  643 
Balance, September 30, 2011
 $1,215  $461  $4,631  $1,242  $1,051  $119  $8,719 

(1) Segments at September 30, 2011 are reported using the segmentation method in effect for 2011. The Company began reporting under revised segments beginning in 2012.

   
Activity in the Allowance for Loan Losses for the Nine Months Ended September 30, 2011
 
   
Consumer Real Estate(1)
  
Consumer Non Real Estate(1)
  
Commercial Real Estate(1)
  
Commercial & Industrial(1)
  
Construction, Development & Other Land(1)
  
 
Unallocated
  
Total
 
Balance, December 31, 2010
 $1,059  $586  $4,033  $1,108  $749  $129  $7,664 
Charge-offs
  (429)  (208)  (301)  (167)  (100)  ---   (1,205)
Recoveries
  7   56   ---   1   ---   ---   64 
Provision for loan losses
  578   27   899   300   402   (10)  2,196 
Balance, September 30, 2011
 $1,215  $461  $4,631  $1,242  $1,051  $119  $8,719 

(1) Segments at September 30, 2011 are reported using the segmentation method in effect for 2011. The Company began reporting under revised segments beginning in 2012.

   
Allowance for Loan Losses as of September 30, 2012
 
   
Real Estate Construction
 
Consumer Real Estate
 
Commercial Real Estate
 
Commercial Non Real Estate
 
Public Sector and IDA
 
Consumer Non Real Estate
 
Unallocated
 
Total
 
Individually evaluated for impairment
 
$
---
 
$
47
 
$
44
 
 
$
 
236
 
$
---
 
$
---
 
$
---
 
$
327
 
Collectively evaluated for impairment
  
1,187
  
1,925
  
3,493
  
 
628
   
145
  
400
  
149
  
7,927
 
Total
 
$
1,187
 
$
1,972
 
$
3,537
 
$
864
 
$
145
 
$
400
 
$
149
 
$
8,254
 


 
Allowance for Loan Losses as of December 31, 2011
 
 
Consumer Real Estate(1)
 
Consumer Non Real Estate(1)
 
Commercial Real Estate(1)
 
Commercial & Industrial(1)
 
Construction, Development & Other Land(1)
 
Unallocated
  
Total
 
Individually evaluated for impairment
 $---  $---  $1,014  $62  $47  $---  $1,123 
Collectively evaluated for impairment
  1,052   401   3,497   973   901   121   6,945 
Total
 $1,052  $401  $4,511  $1,035  $948  $121  $8,068 

(1) Segments at December 31, 2011 are reported using the segmentation method in effect for 2011. The Company began reporting under revised segments beginning in 2012.
 
 
   
Loans as of September 30, 2012
   
Real Estate Construction
 
Consumer Real Estate
 
Commercial Real Estate
 
Commercial Non Real Estate
 
Public Sector and IDA
 
Consumer Non Real Estate
 
Unallocated
 
Total
 
Individually evaluated for impairment
 $3,623 $949 $6,859 $534 $--- $--- $--- $11,965 
Collectively evaluated for impairment
  46,176  140,464  298,508  35,195  26,589  32,564  ---  579,496
Total
 $49,799 $141,413 $305,367 $35,729 $26,589 $32,564 $---  591,461
 
 

 
Loans as of December 31, 2011
 
 
Consumer Real Estate(1)
 
Consumer Non Real Estate(1)
 
Commercial Real Estate(1)
 
Commercial & Industrial(1)
 
Construction, Development & Other Land(1)
 
Unallocated
  
Total
 
Individually evaluated for impairment
 $238  $---  $9,067  $139  $3,152  $---  $12,596 
Collectively evaluated for impairment
  109,843   29,707   357,507   37,584   41,233   ---   575,874 
Total
 $110,081  $29,707  $366,574  $37,723  $44,385  $---  $588,470 

(1) Segments at December 31, 2011 are reported using the segmentation method in effect for 2011. The Company began reporting under revised segments beginning in 2012.
Summary of ratios for the allowance for loan losses
A summary of ratios for the allowance for loan losses follows.

   
Nine Months Ended
September 30,
    
Year Ended
December 31,
 
   
2012
 
2011
   2011 
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees
   
1.40
%
 
1.46
%
 
1.37
%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees(1)
   
0.54
%
 
0.26
%
 
0.43
%

(1)
Net charge-offs are on an annualized basis.
Summary of nonperforming assets
A summary of nonperforming assets follows.
 
   
September 30,
  December
31,
 
   
2012
  
2011
  
2011
 
Nonperforming assets:
          
Nonaccrual loans
 $3,876  $1,263   $1,398 
Restructured loans in nonaccrual
  2,254   3,081    3,806 
Total nonperforming loans
  6,130   4,344    5,204 
Other real estate owned, net
  1,894   1,759    1,489 
Total nonperforming assets
 $8,024  $6,103   $6,693 
Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned
  1.35%  1.02
%
 
 1.13
%
Ratio of allowance for loan losses to nonperforming loans(1)
  134.65%  200.71%
 
 155.03%

(1) The Company defines nonperforming loans as nonaccrual loans. Loans 90 days or more past due and still accruing and accruing restructured loans are excluded.
Summary of loans past due 90 days or more and impaired loans
A summary of loans past due 90 days or more and impaired loans follows.
 
   
September 30,
  
December 31,
 
   
2012
  
2011
  
2011
 
Loans past due 90 days or more and still accruing
 $114  $339  $481 
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees
  0.02%  0.06%  0.08%
Accruing restructured loans
 $2,021  $5,524  $3,756 
Impaired loans:
            
Impaired loans with no valuation allowance
 $11,063  $2,286  $5,505 
Impaired loans with a valuation allowance
  902   7,754   7,091 
Total impaired loans
 $11,965  $10,040  $12,596 
Valuation allowance
  (327)  (1,829)  (1,123)
Impaired loans, net of allowance
 $11,638  $8,211  $11,473 
Average recorded investment in impaired loans(1)
 $13,831  $7,834  $8,734 
Interest income recognized on impaired loans, after designation as impaired
 $292  $90  $141 
Amount of income recognized on a cash basis
 $---  $---  $--- 

(1) Recorded investment includes principal, accrued interest and net deferred fees.
Summary of investment in impaired loans, related allowance, recorded investment and interest income recognized
A detailed analysis of investment in impaired loans, associated reserves and interest income recognized, segregated by loan class follows.

   
Impaired Loans as of September 30, 2012
 
   
Principal Balance
  
(A)
Total Recorded Investment(1)
  
Recorded Investment(1) in (A) for Which There is No Related Allowance
  
Recorded Investment(1) in (A) for Which There is a Related Allowance
  
Related Allowance
 
Real Estate Construction
               
Construction, residential
 $123  $118  $118  $---  $--- 
Construction, other
  3,500   3,498   3,498   ---   --- 
Consumer Real Estate
                    
Equity lines
  ---   ---   ---   ---   --- 
Residential closed-end first liens
  790   793   638   155   47 
Residential closed-end junior liens
  159   159   159   ---   --- 
Commercial Real Estate
                    
Multifamily real estate
  2,034   2,049   1,787   262   44 
Commercial real estate, owner occupied
  4,825   4,842   4,842   ---   --- 
Commercial real estate, other
  ---   ---   ---   ---   --- 
Commercial Non Real Estate
                    
Commercial and Industrial
  534   534   44   490   236 
Public Sector and IDA
                    
Public sector and IDA
  ---   ---   ---   ---   --- 
Consumer Non Real Estate
                    
Credit cards
  ---   ---   ---   ---   --- 
Automobile
  ---   ---   ---   ---   --- 
Other consumer loans
  ---   ---   ---   ---   --- 
Total
 $11,965  $11,993  $11,086  $907  $327 

(1) Recorded investment includes the unpaid principal balance and any accrued interest and net deferred fees.


   
Impaired Loans as of December 31, 2011(3)
 
   
Principal Balance
  
(A)
Total Recorded Investment(1)
  
Recorded Investment(1) in (A) for Which There is No Related Allowance
  
Recorded Investment(1) in (A) for Which There is a Related Allowance
  
Related Allowance
 
Consumer Real Estate(2)
               
Closed-end consumer real estate
 $237  $237  $237  $---  $--- 
Commercial Real Estate(2)
                    
College housing
  366   366   366   ---   --- 
Office and retail
  3,500   3,500   ---   3,500   57 
Hotel
  3,319   3,320   2,794   526   16 
Medical professionals
  66   67   ---   67   66 
General contractors
  703   703   176   527   402 
Other commercial real estate
  1,113   1,112   425   687   474 
Commercial & Industrial(2)
                    
Commercial and Industrial
  139   139   ---   139   62 
Construction, Development and Land(2)
                    
Residential
  2,901   2,912   1,256   1,656   46 
Commercial
  252   252   252   ---   --- 
Total
 $12,596  $12,608  $5,506  $7,102  $1,123 

(1) Recorded investment includes the unpaid principal balance and any accrued interest and net deferred fees.
(2) Only classes with impaired loans are shown.
(3) Segments and classes at December 31, 2011 are reported using the segmentation method in effect for 2011. The Company began reporting under revised segments beginning in 2012.


The following tables show the average investment and interest income recognized for impaired loans.

   
Average Investment and Interest Income for Impaired Loans
 
   
For the Three Months Ended September 30, 2012
  
For the Nine Months Ended September 30, 2012
 
   
Average Recorded Investment(1)
  
Interest Income Recognized
  
Average Recorded Investment(1)
  
Interest Income Recognized
 
Real Estate Construction
            
Construction, residential
 $1,428  $---  $1,486  $--- 
Construction, other
  3,498   58   4,568   184 
Consumer Real Estate
                
Equity lines
  6   ---   135   2 
Residential closed-end first liens
  1,038   3   889   7 
Residential closed-end junior liens
  220   ---   245   --- 
Commercial Real Estate
                
Multifamily real estate
  2,083   16   1,226   24 
Commercial real estate, owner occupied
  5,401   28   4,656   72 
Commercial real estate, other
  ---   ---   ---   --- 
Commercial Non Real Estate
                
Commercial and Industrial
  549   1   587   3 
Public Sector and IDA
                
Public sector and IDA
  ---   ---   ---   --- 
Consumer Non Real Estate
                
Credit cards
  ---   ---   ---   --- 
Automobile
  8   ---   5   --- 
Other consumer
  ---   ---   34   --- 
Total
 $14,231  $106  $13,831  $292 

(1) Recorded investment includes the unpaid principal balance and any accrued interest and net deferred fees.

   
Average Investment and Interest Income of Impaired Loans For the Year Ended
 
   
December 31, 2011(3)
 
   
Average Recorded Investment(1)
  
Interest Income Recognized
 
Consumer Real Estate(2)
      
Closed-end consumer real estate
 $450  $3 
Commercial Real Estate(2)
        
College housing
  281   7 
Office & retail
  292   --- 
Hotel
  3,445   41 
Medical professionals
  67   5 
General contractors
  112   4 
Other commercial real estate
  1,139   24 
Commercial & Industrial(2)
        
Commercial and Industrial
  553   --- 
Construction, Development and Land(2)
        
Residential
  2,143   49 
Commercial
  252   8 
Total
 $8,734  $141 

(1) Recorded investment includes the unpaid principal balance and any accrued interest and net deferred fees.
(2)
Only classes with impaired loans are shown.
(3) Segments at December 31, 2011 are reported using the segmentation method in effect for 2011. The Company began reporting under revised segments beginning in 2012.
Analysis of past due and nonaccrual loans
An analysis of past due and nonaccrual loans as of September 30, 2012 follows.

   
30 – 89 Days Past Due
  
90 or More Days Past Due
  
90 or More Days Past Due and Still Accruing
  
Nonaccruals (Including Impaired Nonaccruals)
 
Real Estate Construction
            
Construction, residential
 $158  $123  $---  $123 
Construction, other
  ---   89   ---   89 
Consumer Real Estate
                
Equity lines
  14   54   30   24 
Residential closed-end first liens
  2,167   593   48   972 
Residential closed-end junior liens
  99   114   ---   198 
Commercial Real Estate
                
Multifamily real estate
  701   433   ---   1,278 
Commercial real estate, owner occupied
  1,223   2,706   20   2,953 
Commercial real estate, other
  ---   ---   ---   --- 
Commercial Non Real Estate
                
Commercial and Industrial
  435   96   ---   490 
Public Sector and IDA
                
Public sector and IDA
  ---   ---   ---   --- 
Consumer Non Real Estate
                
Credit cards
  46   3   3   --- 
Automobile
  283   6   5   3 
Other consumer loans
  140   8   8   --- 
Total
 $5,266  $4,225  $114  $6,130 


An analysis of past due and nonaccrual loans as of December 31, 2011(1) follows.

   
30 – 89 Days Past Due
  
90 or More Days Past Due
  
90 or More Days Past Due and Still Accruing
  
Nonaccruals (Including Impaired Nonaccruals)
 
Consumer Real Estate
            
Equity lines
 $---  $---  $---  $--- 
Closed-end consumer real estate
  1,735   658   346   313 
Consumer construction
  ---   ---   ---   --- 
Consumer Non Real Estate
                
Credit cards
  26   8   8   --- 
Consumer general
  270   38   38   --- 
Consumer overdraft
  ---   ---   ---   --- 
Commercial Real Estate
                
College housing
  452   250   ---   250 
Office/retail
  ---   ---   ---   --- 
Nursing homes
  ---   ---   ---   --- 
Hotels
  616   526   ---   1,397 
Municipalities
  ---   ---   ---   --- 
Medical professionals
  ---   ---   ---   --- 
Religious organizations
  ---   ---   ---   --- 
Convenience stores
  ---   ---   ---   --- 
Entertainment and sports
  ---   ---   ---   --- 
Nonprofits
  ---   ---   ---   --- 
Restaurants
  ---   ---   ---   --- 
General contractors
  103   ---   ---   703 
Other commercial real estate
  815   488   63   1,112 
Commercial and Industrial
                
Commercial and Industrial
  31   26   26   139 
Construction, Development and Land
                
Residential
  ---   1,290   ---   1,290 
Commercial
  252   ---   ---   --- 
Total
 $4,300  $3,284  $481  $5,204 

(1) Segments at December 31, 2011 are reported using the segmentation method in effect for 2011. The Company began reporting under revised segments beginning in 2012.
Non-impaired loans by credit quality indicator
The following displays collectively-evaluated loans by credit quality indicator.

September 30, 2012
   
Pass
  
Special
Mention
  
Classified (Excluding Impaired)
 
Real Estate Construction
         
Construction, 1-4 family residential
 $15,284  $---  $--- 
Construction, other
  27,842   2,961   89 
Consumer Real Estate
            
Equity lines
  18,265   98   72 
Closed-end first liens
  112,188   702   2,096 
Closed-end junior liens
  6,778   124   140 
Commercial Real Estate
            
Multifamily residential real estate
  32,342   3,533   262 
Commercial real estate owner-occupied
  165,685   986   1,087 
Commercial real estate other
  91,482   3,132   --- 
Commercial Non Real Estate
            
Commercial and Industrial
  34,721   13   461 
Public Sector and IDA
            
States and political subdivisions
  26,589   ---   --- 
Consumer Non Real Estate
            
Credit cards
  6,501   ---   --- 
Automobile
  12,913   81   51 
Other consumer
  12,908   66   44 
Total
 $563,498  $11,696  $4,302 

 
The following displays collectively-evaluated loans by credit quality indicator.

December 31, 2011(1)
   
Pass
  
Special
Mention
  
Classified
(Excluding Impaired)
 
Consumer Real Estate
         
Equity lines
 $17,971  $---  $14 
Closed-end consumer real estate
  87,882   595   1,332 
Consumer construction
  2,050   ---   --- 
Consumer Non Real Estate
            
Credit cards
  6,594   ---   1 
Consumer general
  22,679   42   105 
Consumer overdraft
  285   ---   1 
Commercial Real Estate
            
College housing
  88,157   452   215 
Office/retail
  73,106   420   267 
Nursing homes
  16,173   ---   --- 
Hotel
  24,498   ---   616 
Municipalities
  19,230   ---   --- 
Medical professionals
  18,577   ---   --- 
Religious organizations
  15,852   ---   --- 
Convenience stores
  10,519   ---   --- 
Entertainment and sports
  7,346   ---   --- 
Nonprofit
  3,265   3,170   --- 
Restaurants
  6,138   ---   387 
General contractors
  4,550   109   247 
Other commercial real estate
  63,422   ---   790 
Commercial and Industrial
            
Commercial and Industrial
  37,252   196   137 
Construction, Development and Land
            
Residential
  15,732   ---   --- 
Commercial
  22,409   2,961   130 
Total
 $563,687  $7,945  $4,242 

(1) Segments at December 31, 2011 are reported using the segmentation method in effect for 2011. The Company began reporting under revised segments beginning in 2012.
Troubled debt restructurings
The Company modified loans in troubled debt restructurings during the periods ended September 30, 2012 and September 30, 2011. The following tables present restructurings by class that occurred during the periods.

Note: Only classes with restructured loans are presented.

   
Restructurings That Occurred During the Three Months Ended
September 30, 2012
   
Number of Contracts
  
Pre-Modification Outstanding Principal Balance
  
Post-Modification Outstanding Principal Balance
 
Consumer Real Estate
         
Residential closed-end first liens
  1  $38  $38 
Commercial Real Estate
            
Commercial real estate, owner occupied
  1   193   193 
Total
  2  $231  $231 
 

   
Restructurings That Occurred During the Three Months Ended
September 30, 2011(1)
   
Number of Contracts
  
Pre-Modification Outstanding Principal Balance
  
Post-Modification Outstanding Principal Balance
 
Construction, Development and Land
         
Residential
  1  $2,400  $2,300 
Commercial Real Estate
            
General contractors
  2   128   128 
Other commercial real estate
  1   392   392 
Total
  4  $2,920  $2,820 

(1) Segments at September 30, 2011 are reported using the segmentation method in effect for 2011. The Company began reporting under revised segments beginning in 2012.
 

   
Restructurings That Occurred During the Nine Months Ended
September 30, 2012
 
   
Number of Contracts
  
Pre-Modification Outstanding Principal Balance
  
Post-Modification Outstanding Principal Balance
 
Consumer Real Estate
         
Residential closed-end first liens
  5  $383  $402 
Residential closed-end junior liens
  1   143   147 
Commercial Real Estate
            
Commercial real estate, owner occupied
  3   890   895 
Commercial Non Real Estate
            
Commercial and Industrial
  1   400   400 
Total
  10  $1,816  $1,844 

   
Restructurings That Occurred During the Nine Months Ended
September 30, 2011(1)
 
   
Number of Contracts
  
Pre-Modification Outstanding Principal Balance
  
Post-Modification Outstanding Principal Balance
 
Consumer Real Estate
         
Closed-end consumer real estate
  1  $75  $75 
Commercial and Industrial
  1   50   50 
Construction, Development and Land
            
Residential
  2   2,634   2,534 
Commercial Real Estate
            
College housing
  2   422   332 
Medical professionals
  3   73   73 
General contractors
  2   128   128 
Other commercial real estate
  3   696   688 
Total
  14  $4,078  $3,880 

(1) Segments at September 30, 2011 are reported using the segmentation method in effect for 2011. The Company began reporting under revised segments beginning in 2012.

Troubled debt restructurings totaled $4,275, with specific allocations of $284 as of September 30, 2012. At September 30, 2011, total restructured loans amounted to $8,605 with specific allocations of $1,372.

Loans modified in troubled debt restructurings during the three months ended September 30, 2012 received non-financial underwriting exceptions that reduced payments by changing maturities or amortization structures. The troubled debt restructurings for the nine months ended September 30, 2012 included partial charge offs of $109 for two consumer real estate loans; providing payment relief primarily by extending maturity dates or changing amortization structures without reducing interest rates or amounts owed; and adding a co-borrower to one consumer real estate loan. Restructured loans are designated impaired and measured for impairment. Collateral dependent restructured loans are measured using the fair value of collateral. Non-collateral dependent restructured loans are measured using the present value of cash flows. The impairment measurement resulted in no specific allocations for loans modified during the three months ended September 30, 2012 and $220 for loans modified during the nine months ended September 30, 2012.
 
The following table presents restructured loans that were modified between the dates of October 1, 2011 and September 30, 2012 and that experienced payment default during the three and nine month periods ended September 30, 2012. The company defines default as one or more payments that occur more than 90 days past the due date, or charge-offs after the date of restructuring.

 
Restructured Loans That Were Modified
Between October 1, 2011 and September 30, 2012 and Defaulted During the
 
3 Month Period Ended September 30, 2012
 
9 Month Period Ended September 30, 2012
 
Number of Contracts
 
Principal Balance
 
Number of Contracts
 
Principal Balance
 
Consumer Real Estate
                   
Residential closed-end first liens
1
 
$
96
 
1
 
$
96
 
Residential closed-end junior liens
1
   
84
 
1
   
84
 
Commercial Real Estate
                   
Commercial real estate owner-occupied
2
   
861
 
2
   
861
 
Total
4
 
$
1,041
 
4
 
$
1,041
 

 
Restructured Loans That Were Modified
Between October 1, 2010 and September 30, 2011 and Defaulted During the
 
3 Month Period Ended September 30, 2011
 
9 Month Period Ended September 30, 2011
 
Number of Contracts
 
Principal Balance
 
Number of Contracts
 
Principal Balance
 
Construction, Development and Land
                   
Residential
---
 
$
---
 
1
 
$
234
 
Commercial Real Estate
                   
College housing
---
   
---
 
1
   
255
 
General Contractors
2
   
128
 
2
   
131
 
Other commercial real estate
1
   
392
 
3
   
700
 
Total
3
 
$
520
 
7
 
$
1,320