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Note 4 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)
 9 Months Ended
Sep. 30, 2016
Notes Tables  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
 
 
A
ctivity in the Allowance for Loan Losses for the Nine Months Ended September 30, 2016
 
 
 
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, 2015
 
$
576
 
 
$
1,866
 
 
$
4,109
 
 
$
655
 
 
$
436
 
 
$
627
 
 
$
28
 
 
$
8,297
 
Charge-offs
 
 
(29
)
 
 
(131
)
 
 
(149
)
 
 
(767
)
 
 
---
 
 
 
(191
)
 
 
---
 
 
 
(1,267
)
Recoveries
 
 
---
 
 
 
2
 
 
 
71
 
 
 
6
 
 
 
---
 
 
 
44
 
 
 
---
 
 
 
123
 
Provision for loan losses
 
 
(43
)
 
 
111
 
 
 
(525
)
 
 
1,493
 
 
 
(66
)
 
 
152
 
 
 
26
 
 
 
1,148
 
Balance,
September 30, 2016
 
$
504
 
 
$
1,848
 
 
$
3,506
 
 
$
1,387
 
 
$
370
 
 
$
632
 
 
$
54
 
 
$
8,301
 
 
 
A
ctivity in the Allowance for Loan Losses for the Nine Months Ended September 30, 2015
 
 
 
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, 2014
   $ 612     $ 1,662     $ 3,537     $ 1,475     $ 327     $ 602     $ 48     $ 8,263  
Charge-offs
     ---       (201
)
     (155
)
     (453
)
     ---       (193
)
     ---       (1,002
)
Recoveries
     ---       1       36       1       ---       84       ---       122  
Provision for loan losses
   $ (77
)
     332       420       (153
)
     170       21       21       734  
Balance,
September 30, 2015
   $ 535     $ 1,794     $ 3,838     $ 870     $ 497     $ 514     $ 69     $ 8,117  
 
 
A
ctivity in the Allowance for Loan Losses for the Year Ended December 31, 2015
 
 
 
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, 2014
   $ 612     $ 1,662     $ 3,537     $ 1,475     $ 327     $ 602     $ 48     $ 8,263  
Charge-offs
     ---       (205
)
     (1,114
)
     (490
)
     ---       (311
)
     ---       (2,120
)
Recoveries
     ---       2       49       1       ---       93       ---       145  
Provision for loan losses
   $ (36
)
   $ 407     $ 1,637     $ (331
)
   $ 109     $ 243     $ (20
)
   $ 2,009  
Balance,
December 31, 2015
   $ 576     $ 1,866     $ 4,109     $ 655     $ 436     $ 627     $ 28     $ 8,297  
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]
 
 
Allowance for Loan Losses as of September 30, 2016
 
 
 
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
 
$
---
 
 
$
27
 
 
$
---
 
 
$
---
 
 
$
---
 
 
$
---
 
 
$
---
 
 
$
27
 
Collectively evaluated for impairment
 
 
504
 
 
 
1,821
 
 
 
3,506
 
 
 
1,387
 
 
 
370
 
 
 
632
 
 
 
54
 
 
 
8,274
 
Total
 
$
504
 
 
$
1,848
 
 
$
3,506
 
 
$
1,387
 
 
$
370
 
 
$
632
 
 
$
54
 
 
$
8,301
 
 
 
Allowance for Loan Losses as of December 31, 2015
 
 
 
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
   $ ---     $ 22     $ 23     $ ---     $ ---     $ ---     $ ---     $ 45  
Collectively evaluated for impairment
     576       1,844       4,086       655       436       627       28       8,252  
Total
   $ 576     $ 1,866     $ 4,109     $ 655     $ 436     $ 627     $ 28     $ 8,297  
 
 
Loans as of September 30, 2016
 
 
 
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
 
$
273
 
 
$
889
 
 
$
8,448
 
 
$
297
 
 
$
---
 
 
$
3
 
 
$
---
 
 
$
9,910
 
Collectively evaluated for impairment
 
 
39,917
 
 
 
150,263
 
 
 
316,641
 
 
 
41,273
 
 
 
45,957
 
 
 
33,076
 
 
 
---
 
 
 
627,127
 
Total loans
 
$
40,190
 
 
$
151,152
 
 
$
325,089
 
 
$
41,570
 
 
$
45,957
 
 
$
33,079
 
 
$
---
 
 
$
637,037
 
 
 
Loans as of December 31, 2015
 
 
 
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
   $ 718     $ 962     $ 12,575     $ 1,091     $ ---     $ ---     $ ---     $ 15,346  
Collectively evaluated for impairment
     47,533       142,542       296,803       36,480       51,335       29,845       ---       604,538  
Total
   $ 48,251     $ 143,504     $ 309,378     $ 37,571     $ 51,335     $ 29,845     $ ---     $ 619,884  
Schedule of Ratios for Allowance for Loan Losses [Table Text Block]
 
 
As of the
Nine Months Ended
September 30,
 
 
For the
Year
E
nded
December 31,
 
 
 
2016
 
 
2015
 
 
2015
 
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees
 
 
1.30
%
     1.30
%
     1.34
%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees
(1)
 
 
0.25
%
     0.19
%
     0.32
%
Schedule of Nonperforming Assets [Table Text Block]
 
 
September 30,
 
 
December 31,
 
 
 
2016
 
 
2015
 
 
2015
 
Nonperforming assets:
                        
Nonaccrual loans
 
$
1,592
 
   $ 3,207     $ 2,043  
Restructured loans in nonaccrual
 
 
3,901
 
     5,781       4,639  
Total nonperforming loans
 
 
5,493
 
     8,988       6,682  
Other real estate owned, net
 
 
3,188
 
     4,194       4,165  
Total nonperforming assets
 
$
8,681
 
   $ 13,182     $ 10,847  
Ratio of nonperforming assets to loans, net of unearned income and deferred fees, plus other real estate owned
 
 
1.36
%
     2.09
%
     1.74
%
Ratio of allowance for loan losses to nonperforming loans
(
1
)
 
 
151.12
%
     90.31
%
     124.17
%
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block]
 
 
September 30,
 
 
December 31,
 
 
 
2016
 
 
2015
 
 
2015
 
Loans past due 90 days or more and still accruing
 
$
195
 
   $ 47     $ 156  
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees
 
 
0.03
%
     0.01
%
     0.03
%
Accruing restructured loans
 
$
4,662
 
   $ 6,080     $ 8,814  
Impaired loans:
                        
Impaired loans with no valuation allowance
 
$
9,290
 
   $ 12,548     $ 12,973  
Impaired loans with a valuation allowance
 
 
620
 
     2,464       2,373  
Total impaired loans
 
$
9,910
 
   $ 15,012     $ 15,346  
Valuation allowance
 
 
(27
)
     (144
)
     (45
)
Impaired loans, net of allowance
 
$
9,883
 
   $ 14,868     $ 15,301  
Average recorded investment in impaired loans
(1)
 
$
12,908
 
   $ 15,902     $ 17,297  
Interest income recognized on impaired loans, after designation as impaired
 
$
476
 
   $ 267     $ 769  
Amount of income recognized on a cash basis
 
$
---
 
   $ ---     $ ---  
Impaired Financing Receivables [Table Text Block]
 
 
Impaired Loans as of September 30, 2016
 
 
 
Principal
Balance
 
 
Total
Recorded
Investment
(1)
 
 
Recorded
Investment
(1
)
for
Which There is No
Related Allowance
 
 
Recorded
Investment
(1)
for
Which There is a
Related Allowance
 
 
Related
Allowance
 
Real Estate Construction
(2)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction 1-4 family residential
 
$
280
 
 
$
273
 
 
$
273
 
 
$
---
 
 
$
---
 
Co
nsumer
Real Estate
(2)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential closed-end first liens
 
 
653
 
 
 
615
 
 
 
269
 
 
 
346
 
 
 
15
 
Residential closed-end junior liens
 
 
201
 
 
 
201
 
     ---  
 
 
201
 
 
 
8
 
Investor-owned residential real estate
 
 
73
 
 
 
73
 
     ---  
 
 
73
 
 
 
4
 
Commercial Real Estate
(2)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multifamily real estate
 
 
1,732
 
 
 
1,459
 
 
 
1,459
 
 
 
---
 
 
 
---
 
Commercial real estate, owner-occupied
 
 
4,277
 
 
 
4,228
 
 
 
4,228
 
 
 
---
 
 
 
---
 
Commercial real estate, other
 
 
3,012
 
 
 
2,761
 
 
 
2,761
 
 
 
---
 
 
 
---
 
Commercial Non Real Estate
(2)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
311
 
 
 
297
 
 
 
297
 
 
 
---
 
 
 
---
 
Consumer Non Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Automobile
 
 
3
 
 
 
3
 
 
 
3
 
 
 
---
 
 
 
---
 
Total
 
$
10,542
 
 
$
9,910
 
 
$
9,290
 
 
$
620
 
 
$
27
 
 
 
Impaired Loans as of December 31, 2015
 
 
 
Principal
Balance
 
 
Total
Recorded
Investment
(1)
 
 
Recorded
Investment
(1)
for
Which There is No
Related Allowance
 
 
Recorded
Investment
(1)
for
Which There is a
Related Allowance
 
 
Related
Allowance
 
Real Estate Construction
(2)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction 1-4 family residential
  $ 718     $ 718     $ 718     $ ---     $ ---  
Co
nsumer
Real Estate
(2)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Residential closed-end first liens
     713       669       305       364       13  
Residential closed-end junior liens
     218       218       ---       218       5  
Investor-owned residential real estate
     75       75       ---       75       4  
Commercial Real Estate
(2)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multifamily real estate
     1,988       1,728       1,728       ---       ---  
Commercial real estate, owner occupied
     5,068       5,020       3,304       1,716       23  
Commercial real estate, other
     5,990       5,827       5,827       ---       ---  
Commercial Non Real Estate
(2)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
     1,099       1,091       1,091       ---       ---  
Total
   $ 15,869     $ 15,346     $ 12,973     $ 2,373     $ 45  
Impaired Financing Receivable Average Investment And Interest Income [Table Text Block]
 
 
For the Nine Months Ended
September 30, 2016
 
 
 
Average
Recorded
Investment
(1)
 
 
Interest
Income
Recognized
 
Real Estate Construction
(2)
 
 
 
 
 
 
 
 
Construction 1-4 family residential
 
$
529
 
 
$
---
 
Co
nsumer
Real Estate
(2)
 
 
 
 
 
 
 
 
Residential closed-end first liens
 
 
652
 
 
 
28
 
Residential closed-end junior liens
 
 
210
 
 
 
10
 
Investor-owned residential real estate
 
 
74
 
 
 
3
 
Commercial Real Estate
(2)
 
 
 
 
 
 
 
 
Multifamily real estate
 
 
1,741
 
 
 
7
 
Commercial real estate, owner occupied
 
 
4,629
 
 
 
175
 
Commercial real estate, other
 
 
4,372
 
 
 
252
 
Commercial
Non Real Estate
(2)
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
697
 
 
 
1
 
Consumer Non Real Estate
 
 
 
 
 
 
 
 
Automobile
 
 
4
 
 
 
---
 
Total
 
$
12,908
 
 
$
476
 
 
 
For the Nine Months Ended
September 30, 2015
 
 
 
Average
Recorded
Investment
(1)
 
 
Interest
Income
Recognized
 
Co
nsumer
Real Estate
(2)
 
 
 
 
 
 
 
 
Residential closed-end first liens
   $ 685     $ 33  
Residential closed-end junior liens
     231       11  
Investor-owned residential real estate
     76       4  
Commercial Real Estate
(2)
 
 
 
 
 
 
 
 
Multifamily real estate
     2,670       ---  
Commercial real estate, owner occupied
     5,302       86  
Commercial real estate, other
     5,924       128  
Commercial
Non Real Estate
(2)
 
 
 
 
 
 
 
 
Commercial and industrial
     1,014       5  
Total
   $ 15,902     $ 267  
 
 
For the Year Ended
December 31, 2015
 
 
 
Averag
e
Recorded
Investment
(1)
 
 
Interest
Income
Recognized
 
Real Estate Construction
(2)
 
 
 
 
 
 
 
 
Construction 1-4 family residential
   $ 612     $ 23  
Consumer
Real Estate
(2)
 
 
 
 
 
 
 
 
Residential closed-end first liens
     681       43  
Residential closed-end junior liens
     228       15  
Investor-owned residential real estate
     76       5  
Commercial Real Estate
(2)
 
 
 
 
 
 
 
 
Multifamily real estate
     2,581       84  
Commercial real estate, owner occupied
     6,141       251  
Commercial real estate, other
     5,888       308  
Commercial
Non Real Estate
(2)
 
 
 
 
 
 
 
 
Commercial and industrial
     1,090       40  
Total
   $ 17,297     $ 769  
Past Due Financing Receivables [Table Text Block]
September 30, 2016
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
30 – 89
Days Past
Due
 
 
90 or
M
ore
Days Past Due
 
 
90 or More
Days Past Due
and Still
Accruing
 
 
Nonaccruals
(Including
Impaired
Nonaccruals)
 
Real Estate
Construction
(1)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction residential
 
$
---
 
 
$
---
 
 
$
---
 
 
$
273
 
Consumer Real Estate
(1)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Equity lines
 
 
37
 
 
 
---
 
 
 
---
 
 
 
---
 
Residential closed-end first liens
 
 
801
 
 
 
181
 
 
 
137
 
 
 
44
 
Residential closed-end junior liens
 
 
117
 
 
 
37
 
 
 
37
 
 
 
---
 
Investor-owned residential real estate
 
 
239
 
 
 
---
 
 
 
---
 
 
 
19
 
Commercial Real Estate
(1)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multifamily real estate
 
 
318
 
 
 
1,459
 
 
 
---
 
 
 
1,459
 
Commercial real estate, owner-occupied
 
 
127
 
 
 
455
 
 
 
---
 
 
 
574
 
Commercial real estate, other
 
 
---
 
 
 
---
 
 
 
---
 
 
 
2,760
 
Commercial
Non Real Estate
(1)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
66
 
 
 
335
 
 
 
---
 
 
 
361
 
Consumer Non Real Estate
(1)
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit cards
 
 
3
 
 
 
11
 
 
 
11
 
 
 
---
 
Automobile
 
 
225
 
 
 
6
 
 
 
6
 
 
 
3
 
Other consumer loans
 
 
74
 
 
 
4
 
 
 
4
 
 
 
---
 
Total
 
$
2,007
 
 
$
2,488
 
 
$
195
 
 
$
5,493
 
December 31, 2015
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
30 – 89
Days Past
Due
 
 
90 or
M
ore
Days Past Due
 
 
90 or More
Days Past Due
and Still
Accruing
 
 
Nonaccruals
(Including
Impaired
Nonaccruals)
 
Real Estate
Construction
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Construction, residential
   $ ---     $ ---     $ ---     $ 718  
Construction, other
     26       ---       ---       ---  
Consumer Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Equity lines
     16       ---       ---       ---  
Residential closed-end first liens
     1,402       106       106       14  
Residential closed-end junior liens
     123       39       39       ---  
Investor-owned residential real estate
     248       ---       ---       ---  
Commercial Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Multifamily real estate
     684       1,728       ---       1,728  
Commercial real estate, owner occupied
     ---       357       ---       494  
Commercial real estate, other
     ---       ---       ---       2,845  
Commercial
Non Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
     142       883       ---       883  
Public Sector and IDA
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Public sector and IDA
     ---       ---       ---       ---  
Consumer Non Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Credit cards
     5       6       6       ---  
Automobile
     286       5       5       ---  
Other consumer loans
     60       ---       ---       ---  
Total
   $ 2,992     $ 3,124     $ 156     $ 6,682  
Financing Receivable Credit Quality Indicators [Table Text Block]
 
 
Pass
 
 
Special
Mention
(Excluding
Impaired)
 
 
Classified
(Excluding
Impaired)
 
Real Estate
Construction
 
 
 
 
 
 
 
 
 
 
 
 
Construction, 1-4 family residential
 
$
14,169
 
 
$
3,580
 
 
$
---
 
Construction, other
 
 
22,168
 
 
 
---
 
 
 
---
 
Consumer
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Equity lines
 
 
16,631
 
 
 
39
 
 
 
13
 
Closed-end first liens
 
 
82,284
 
 
 
1,061
 
 
 
1,114
 
Closed-end junior liens
 
 
5,006
 
 
 
16
 
 
 
56
 
Investor-owned residential real estate
 
 
43,271
 
 
 
29
 
 
 
743
 
Commercial Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Multifamily residential real estate
 
 
98,654
 
 
 
458
 
 
 
1,287
 
Commercial real estate owner-occupied
 
 
115,544
 
 
 
1,230
 
 
 
384
 
Commercial real estate, other
 
 
99,028
 
 
 
56
 
 
 
---
 
Commercial
Non Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
39,177
 
 
 
1,550
 
 
 
546
 
Public Sector and IDA
 
 
 
 
 
 
 
 
 
 
 
 
States and political subdivisions
 
 
45,957
 
 
 
---
 
 
 
---
 
Consumer Non Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Credit cards
 
 
5,835
 
 
 
---
 
 
 
---
 
Automobile
 
 
14,251
 
 
 
104
 
 
 
168
 
Other consumer
 
 
12,641
 
 
 
58
 
 
 
19
 
Total
 
$
614,616
 
 
$
8,181
 
 
$
4,330
 
 
 
Pass
 
 
Special
Mention
(Excluding
Impaired)
 
 
Classified
(Excluding
Impaired)
 
Real Estate
Construction
 
 
 
 
 
 
 
 
 
 
 
 
Construction, 1-4 family residential
   $ 10,626     $ 3,694  
 
$
---
 
Construction, other
     33,213       ---  
 
 
---
 
Consumer
Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Equity lines
     16,236       15       87  
Closed-end first liens
     78,614       708       1,370  
Closed-end junior liens
     4,983       55       61  
Investor-owned residential real estate
     39,616       31       766  
Commercial Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Multifamily residential real estate
     77,060       ---       1,804  
Commercial real estate owner-occupied
     121,741       1,165       1,274  
Commercial real estate, other
     93,701       58       ---  
Commercial
Non Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
     35,652       285       543  
Public Sector and IDA
 
 
 
 
 
 
 
 
 
 
 
 
States and political subdivisions
     51,335       ---       ---  
Consumer Non Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Credit cards
     5,773       ---       ---  
Automobile
     12,414       102       138  
Other consumer
     11,359       31       28  
Total
   $ 592,323     $ 6,144     $ 6,071  
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
 
 
Restructurings That Occurred During the Three Months
Ended
September 30, 2016
 
 
 
Number of
Contracts
 
 
Pre-Modification
Outstanding
Principal Balance
 
 
Post-Modification
Outstanding
Principal Balance
 
Commercial Non R
eal
E
state
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
1
 
 
$
28
 
 
$
30
 
Consumer Non Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Automobile
 
 
1
 
 
 
5
 
 
 
5
 
Total
 
 
2
 
 
$
33
 
 
$
35
 
 
 
Restructurings That Occurred During the Nine Months
Ended
September 30, 2016
 
 
 
Number of
Contracts
 
 
Pre-Modification
Outstanding
Principal Balance
 
 
Post-Modification
Outstanding
Principal Balance
 
Commercial R
eal
E
state
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate, other
 
 
2
 
 
$
3,008
 
 
$
3,008
 
Commercial Non Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Commercial and industrial
 
 
1
 
 
 
28
 
 
 
30
 
Consumer Non Real Estate
 
 
 
 
 
 
 
 
 
 
 
 
Automobile
 
 
1
 
 
 
5
 
 
 
5
 
Total
 
 
4
 
 
$
3,041
 
 
$
3,043
 
 
 
Restructurings That Occurred During the Nine Months
Ended
September 30, 2015
 
 
 
Number of
Contracts
 
 
Pre-Modification
Outstanding
Principal Balance
 
 
Post-Modification
Outstanding
Principal Balance
 
Commercial R
eal
E
state
 
 
 
 
 
 
 
 
 
 
 
 
Commercial real estate, owner occupied
     1     $ 994     $ 907  
Total
     1     $ 994     $ 907