XML 46 R31.htm IDEA: XBRL DOCUMENT v3.7.0.1
Note 5 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)
 12 Months Ended
Dec. 31, 2016
Notes Tables  
Allowance for Credit Losses on Financing Receivables [Table Text Block]
   
Activity in th
e Allowance for Loan Losses by S
egment
for the year
ended
December 31
, 201
6
  
   
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
)
  
 
(133
)
  
 
(488
)
  
 
(883
)
  
 
---
    
 
(273
)
  
 
---
    
 
(1,806
)
Recoveries
  
 
---
    
 
2
    
 
83
    
 
10
    
 
---
    
 
64
    
 
---
    
 
159
  
Provision for loan losses
  
 
(109
)
  
 
95
    
 
34
    
 
1,281
    
 
(106
)
  
 
226
    
 
229
    
 
1,650
  
Balance,
December 31, 201
6
  
$
438
    
$
1,830
    
$
3,738
    
$
1,063
    
$
330
    
$
644
    
$
257
    
$
8,300
  
   
Activity in th
e Allowance for Loan Losses by S
egment
for the year
ended
December 31
, 201
5
  
   
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, 201
5
   $
576
     $
1,866
     $
4,109
     $
655
     $
436
     $
627
     $
28
     $
8,297
  
   
Activity in th
e Allowance for Loan Losses by S
egment
for the year
ended
December 31
, 201
4
  
   
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, 2013
   $
863
     $
1,697
     $
3,685
     $
989
     $
132
     $
576
     $
285
     $
8,227
  
Charge-offs
    
(2
)
    
(222
)
    
(1,201
)
    
(89
)
    
---
      
(346
)
    
---
      
(1,860
)
Recoveries
    
---
      
---
      
50
      
132
      
---
      
73
      
---
      
255
  
Provision for loan losses
    
(249
)
    
187
      
1,003
      
443
      
195
      
299
      
(237
)
    
1,641
  
Balance, December 31, 201
4
   $
612
     $
1,662
     $
3,537
     $
1,475
     $
327
     $
602
     $
48
     $
8,263
  
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]
   
Allowance for Loan Losses by Segment and Evaluation Method as of
   
December 31, 201
6
   
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
  
$
---
    
$
25
    
$
1
    
$
---
    
$
---
    
$
---
    
$
---
    
$
26
    
Collectively evaluated
for impairment
  
 
438
    
 
1,805
    
 
3,737
    
 
1,063
    
 
330
    
 
644
    
 
257
    
 
8,274
    
Total
  
$
438
    
$
1,830
    
$
3,738
    
$
1,063
    
$
330
    
$
644
    
$
257
    
$
8,300
    
   
Loans by Segment and Evaluation Method as of
  
   
December 31, 201
6
  
   
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
  
$
270
    
$
877
    
$
7,782
    
$
241
    
$
---
    
$
3
    
$
---
    
$
9,173
  
Collectively evaluated
for impairment
  
 
36,075
    
 
156,841
    
 
328,675
    
 
38,783
    
 
45,474
    
 
33,525
    
 
---
    
 
639,373
  
Total
  
$
36,345
    
$
157,718
    
$
336,457
    
$
39,024
    
$
45,474
    
$
33,528
    
$
---
    
$
648,546
  
   
Allowance for Loan Losses by Segment and Evaluation Method as of
 
   
December 31, 201
5
  
   
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 by Segment and Evaluation Method as of
  
   
December 31, 201
5
  
   
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]
   
December 31,
  
   
201
6
    
20
15
  
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees
and costs
  
 
1.28
%
    
1.34
%
Ratio of net charge-offs to average loans, net of unearned income and deferred
fees and costs
  
 
0.26
%
    
0.32
%
Schedule of Nonperforming Assets [Table Text Block]
   
December 31,
  
   
201
6
    
20
15
  
Nonperforming
assets:
                
Nonaccrual loans
  
$
1,168
     $
2,043
  
Restructured loans
in nonaccrual
  
 
4,687
      
4,639
  
Total nonperforming loans
  
 
5,855
      
6,682
  
Other real estate owned, net
  
 
3,156
      
4,165
  
Total nonperforming assets
  
$
9,011
     $
10,847
  
Ratio of nonperforming assets to loans, net of unearned income and deferred fees
and costs, plus other real estate owned
  
 
1.38
%
    
1.74
%
Ratio of allowance for loan losses to nonperforming
loans
(
1
)
 
 
141.76
%
    
124.17
%
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block]
   
December 31,
   
201
6
    
20
15
  
Loans
past due 90 days or more and still accruing
  
$
63
     $
156
  
Ratio of loans past due 90 days or more and still accruing to loans, net of unearned income and deferred fees
and costs
  
 
0.01
%
    
0.03
%
Accruing restructured loans
  
$
3,769
     $
8,814
  
Impaired loans
:
                
Impaired loans with no valuation allowance
  
$
8,269
     $
12,973
  
Impaired loans with a valuation allowance
  
 
904
      
2,373
  
Total impaired loans
  
$
9,173
     $
15,346
  
Valuation allowance
  
$
(26
)
   $
(45
)
Impaired loans, net of allowance
  
$
9,147
     $
15,301
  
Average recorded investment in impaired loans
(1)
  
$
11,585
     $
17,297
  
Income recognized on impaired loans
, after designation as impaired
  
$
553
     $
769
  
Amount of income recognized on a cash basis
  
$
---
     $
---
  
Impaired Financing Receivables [Table Text Block]
   
Impaired Loans as of December 31, 201
6
  
   
Principal
Balance
   
(A)
Total
Recorded
Investment
(1)
    
Recorded
Investment
(1)
in (A)
for Which There is
No Related
Allowance
    
Recorded
I
nvestment
(1)
in (A) for Which There is a Related Allowance
    
Related
Allowance
 
Real Estate Construction
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Construction 1-4 family residential
  
$
280
    
$
270
    
$
270
    
$
---
    
$
---
  
Co
nsumer
Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Residential closed-end first liens
  
 
648
    
 
609
    
 
267
    
 
342
    
 
14
  
Residential closed-end junior liens
  
 
195
    
 
195
    
 
---
    
 
195
    
 
7
  
Investor-owned residential real estate
  
 
73
    
 
73
    
 
---
    
 
73
    
 
4
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily real estate
  
 
1,364
    
 
1,091
    
 
1,091
    
 
---
    
 
---
  
Commercial real estate, owner occupied
  
 
4,005
    
 
3,957
    
 
3,663
    
 
294
    
 
1
  
Commercial real estate, other
  
 
2,997
    
 
2,734
    
 
2,734
    
 
---
    
 
---
  
Commercial Non Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and Industrial
  
 
255
    
 
241
    
 
241
    
 
---
    
 
---
  
Consumer Non Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Automobile
  
 
3
    
 
3
    
 
3
    
 
---
    
 
---
  
Total
  
$
9,820
    
$
9,173
    
$
8,269
    
$
904
    
$
26
  
   
Impaired Loans as of December 31, 2015
  
   
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
(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]
   
Average Investment and Interest Income for
Impaired Loans
For the Year Ended
December 31, 201
6
  
   
Average Recorded
Investment
(1)
    
Interest Income
Recognized
  
Real Estate Construction
(2)
  
 
 
 
  
 
 
 
Construction 1-4 family residential
  
$
462
    
$
10
  
Consumer
Real Estate
(2)
  
 
 
 
  
 
 
 
Residential closed-end first liens
  
 
642
    
 
38
  
Residential closed-end junior liens
  
 
207
    
 
13
  
Investor-owned residential real estate
  
 
74
    
 
4
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
Multifamily real estate
  
 
1,366
    
 
12
  
Commercial real estate, owner occupied
  
 
4,342
    
 
206
  
Commercial real estate, other
  
 
3,947
    
 
263
  
Commercial
Non Real Estate
(2)
  
 
 
 
  
 
 
 
Commercial
and Industrial
  
 
541
    
 
7
  
Consumer Non Real Estate
(2)
  
 
 
 
  
 
 
 
Automobile
  
 
4
    
 
---
  
Total
  
$
11,585
    
$
553
  
   
Average Investment and Interest Income for
Impaired Loans
For the Year Ended
December 31, 2015
  
   
Average 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
  
   
Average Investment and Interest Income for
Impaired Loans
For the Year Ended
December 31, 2014
  
   
Average Recorded
Investment
(1)
    
Interest Income
Recognized
  
Consumer
Real Estate
(2)
  
 
 
 
  
 
 
 
Residential closed-end first liens
   $
555
     $
31
  
Residential closed-end junior liens
    
249
      
16
  
Investor-owned residential real estate
    
77
      
5
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
Multifamily real estate
    
2,773
      
---
  
Commercial real estate, owner occupied
    
5,836
      
203
  
Commercial real estate, other
    
6,114
      
175
  
Commercial
Non Real Estate
(2)
  
 
 
 
  
 
 
 
Commercial
and Industrial
    
707
      
43
  
Total
   $
16,311
     $
473
  
Past Due Financing Receivables [Table Text Block]
   
3
0 – 89
Days Past
Due
   
90 or
M
ore
Days Past Due
    
90
or More
Days Past Due
and Still
Accruing
    
Nonaccruals
(I
ncluding
Impaired
Nonaccruals)
  
Real Estate
Construction
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Construction, residential
  
$
---
    
$
---
    
$
---
    
$
270
  
Construction, other
  
 
25
    
 
---
    
 
---
    
 
---
  
Consumer Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Equity lines
  
 
10
    
 
---
    
 
---
    
 
---
  
Residential closed-end first liens
  
 
1,498
    
 
6
    
 
6
    
 
---
  
Residential closed-end junior liens
  
 
114
    
 
36
    
 
36
    
 
---
  
Investor-owned residential real estate
  
 
56
    
 
234
    
 
---
    
 
253
  
Commercial Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily real estate
  
 
132
    
 
1,091
    
 
---
    
 
1,091
  
Commercial real estate, owner occupied
  
 
339
    
 
202
    
 
---
    
 
1,183
  
Commercial real estate, other
  
 
---
    
 
80
    
 
---
    
 
2,814
  
Commercial
Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and
Industrial
  
 
6
    
 
218
    
 
---
    
 
241
  
Public Sector and IDA
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Public sector and IDA
  
 
---
    
 
---
    
 
---
    
 
---
  
Consumer Non Real Estate
 
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Credit cards
  
 
8
    
 
5
    
 
5
    
 
---
  
Automobile
  
 
234
    
 
12
    
 
12
    
 
3
  
Other
consumer loans
  
 
131
    
 
4
    
 
4
    
 
---
  
Total
  
$
2,553
    
$
1,888
    
$
63
    
$
5,855
  
   
3
0 – 89
Days Past
Due
   
90 or
M
ore
Days Past Due
    
90
or More
Days Past Due
and Still
Accruing
    
Nonaccruals
(I
ncluding
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
  
$
11,635
    
$
3,468
    
$
---
  
Construction, other
  
 
20,972
    
 
---
    
 
---
  
Consumer
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Equity lines
  
 
17,034
    
 
82
    
 
---
  
Closed-end first liens
  
 
83,658
    
 
1,267
    
 
580
  
Closed-end junior liens
  
 
4,861
    
 
15
    
 
151
  
Investor-owned residential real estate
  
 
48,277
    
 
333
    
 
583
  
Commercial Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily residential real estate
  
 
99,002
    
 
1,733
    
 
---
  
Commercial real estate owner-occupied
  
 
120,170
    
 
1,188
    
 
1,425
  
Commercial real estate, other
  
 
103,534
    
 
1,543
    
 
80
  
Commercial
Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and Industrial
  
 
35,521
    
 
3,229
    
 
33
  
Public Sector and IDA
  
 
 
 
  
 
 
 
  
 
 
 
States and political subdivisions
  
 
45,474
    
 
---
    
 
---
 
Consumer Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Credit cards
  
 
5,978
    
 
---
    
 
---
  
Automobile
  
 
14,457
    
 
25
    
 
192
  
Other consumer
  
 
12,229
    
 
636
    
 
8
  
Total
  
$
622,802
    
$
13,519
    
$
3,052
  
   
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 year ended
December 31, 201
6
  
   
Number of
Contracts
    
Pre-
Modification
Outstanding
Recorded
Investment
    
Post-
Modification
Outstanding
Recorded
Investment
(1)
  
Commercial Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Commercial real estate, other
  
 
2
    
$
3,008
    
$
3,008
  
Commercial
Non
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Commercial
and industrial
  
 
1
    
 
29
    
 
30
  
Co
nsumer
N
on
R
eal
E
state
  
 
 
 
  
 
 
 
  
 
 
 
Automobile
  
 
1
    
 
5
    
 
5
  
Total
  
 
4
    
$
3,042
    
$
3,043
  
   
Restructurings that occurred during the year ended
December 31, 201
5
  
   
Number of
Contracts
    
Pre-
Modification
Outstanding
Recorded
Investment
    
Post-
Modification
Outstanding
Recorded
Investment
(1)
  
Real Estate
Construction
  
 
 
 
  
 
 
 
  
 
 
 
Construction, 1-4 family residential
    
2
     $
718
     $
718
  
Commercial Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Commercial real estate owner-occupied
    
3
      
2,710
      
2,623
  
Commercial
N
on
R
eal
E
state
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
1
      
200
      
200
  
Total
    
6
     $
3,628
     $
3,541
  
   
Restructurings that occurred during the year ended
December 31, 201
4
  
   
Number of
Contracts
    
Pre-
Modification
Outstanding
Recorded
Investment
    
Post-
Modification
Outstanding
Recorded
Investment
(1)
  
Consumer Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Closed-ended first liens
    
1
     $
126
     $
143
  
Commercial Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily residential real estate
    
1
      
2,484
      
2,484
  
Commercial real estate owner-occupied
    
1
      
184
      
208
  
Commercial real estate, other
    
2
      
2,967
      
3,008
  
Total
    
5
     $
5,761
     $
5,843