XML 31 R20.htm IDEA: XBRL DOCUMENT v3.10.0.1
Note 3 - Allowance for Loan Losses, Nonperforming Assets and Impaired Loans (Tables)
 9 Months Ended
Sep. 30, 2018
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
, 2018
  
   
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, 2017
  
$
337
    
$
2,027
    
$
3,044
    
$
1,072
    
$
419
    
$
707
    
$
319
    
$
7,925
  
Charge-offs
  
 
---
    
 
(36
)
  
 
---
    
 
(107
)
  
 
---
    
 
(344
)
  
 
---
    
 
(487
)
Recoveries
  
 
---
    
 
2
    
 
37
    
 
22
    
 
---
    
 
121
    
 
---
    
 
182
  
Provision for (recovery of) loan losses
  
 
137
    
 
185
    
 
(42
)
  
 
(305
)
  
 
151
    
 
240
    
 
(273
 
)
  
 
93
  
Balance,
September
30
, 201
8
  
$
474
    
$
2,178
    
$
3,039
    
$
682
    
$
570
    
$
724
    
$
46
    
$
7,713
  
   
A
ctivity in the Allowance for Loan Losses for the
Nine
Months Ended
September
30
, 2017
  
   
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, 2016
   $
438
     $
1,830
     $
3,738
     $
1,063
     $
330
     $
644
     $
257
     $
8,300
  
Charge-offs
    
---
      
(146
)
    
(122
)
    
(73
)
    
---
      
(348
)
    
---
      
(689
)
Recoveries
    
---
      
1
      
44
      
14
      
---
      
79
      
---
      
138
  
Provision for (recovery of) loan losses
    
(140
)
    
337
      
33
      
111
      
55
      
357
      
(29
)
    
724
  
Balance,
September
30
, 2017
   $
298
     $
2,022
     $
3,693
     $
1,115
     $
385
     $
732
     $
228
     $
8,473
  
   
A
ctivity in the Allowance for Loan Losses for the Year Ended December 31, 201
7
  
   
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, 2016
   $
438
     $
1,830
     $
3,738
     $
1,063
     $
330
     $
644
     $
257
     $
8,300
  
Charge-offs
    
---
      
(146
)
    
(139
)
    
(82
)
    
---
      
(452
)
    
---
      
(819
)
Recoveries
    
---
      
1
      
131
      
23
      
---
      
132
      
---
      
287
  
Provision for (recovery of) loan losses
    
(101
)
    
342
      
(686
)
    
68
      
89
      
383
      
62
      
157
  
Balance,
December 31
, 201
7
   $
337
     $
2,027
     $
3,044
     $
1,072
     $
419
     $
707
     $
319
     $
7,925
  
Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]
   
Allowance for Loan Losses as of
September
30
, 2018
  
   
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
  
$
---
    
$
14
    
$
---
    
$
142
    
$
---
    
$
---
    
$
---
    
$
156
  
Collectively evaluated for impairment
  
 
474
    
 
2,164
    
 
3,039
    
 
540
    
 
570
    
 
724
    
 
46
    
 
7,557
  
Total
  
$
474
    
$
2,178
    
$
3,039
    
$
682
    
$
570
    
$
724
    
$
46
    
$
7,713
  
   
Allowance for Loan Losses
as of
December 31, 201
7
  
   
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
   $
---
     $
16
     $
---
     $
160
     $
---
     $
1
     $
---
     $
177
  
Collectively evaluated for impairment
    
337
      
2,011
      
3,044
      
912
      
419
      
706
      
319
      
7,748
  
Total
   $
337
     $
2,027
     $
3,044
     $
1,072
     $
419
     $
707
     $
319
     $
7,925
  
   
Loans as of
September
30
, 2018
  
   
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
  
$
2,470
    
$
1,688
    
$
6,610
    
$
1,149
    
$
---
    
$
17
    
$
---
    
$
11,934
  
Collectively evaluated for impairment
  
 
40,078
    
 
169,991
    
 
340,146
    
 
43,348
    
 
59,369
    
 
37,570
    
 
---
    
 
690,502
  
Total
  
$
42,548
    
$
171,679
    
$
346,756
    
$
44,497
    
$
59,369
    
$
37,587
    
$
---
    
$
702,436
  
   
Loans as of
December 31, 201
7
  
   
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
   $
2,882
     $
1,267
     $
6,516
     $
1,229
     $
---
     $
30
     $
---
     $
11,924
  
Collectively evaluated for impairment
    
31,812
      
165,698
      
333,898
      
39,289
      
51,443
      
34,618
      
---
      
656,758
  
Total
   $
34,694
     $
166,965
     $
340,414
     $
40,518
     $
51,443
     $
34,648
     $
---
     $
668,682
  
Schedule of Ratios for Allowance for Loan Losses [Table Text Block]
   
As of and for the
 
   
Nine Months Ended
September,
    
Year
E
nded
December 31,
  
   
2018
    
2017
    
2017
  
Ratio of allowance for loan losses to the end of period loans, net of unearned income and deferred fees and costs
  
 
1.10
%
    
1.28
%
    
1.19
%
Ratio of net charge-offs to average loans, net of unearned income and deferred fees and costs
(1)
  
 
0.06
%
    
0.11
%
    
0.08
%
Schedule of Nonperforming Assets [Table Text Block]
   
September 30,
    
December 31,
  
   
2018
    
2017
    
2017
  
Nonperforming assets:
                        
Nonaccrual loans
  
$
220
     $
7
     $
6
  
Restructured loans in nonaccrual
  
 
2,856
      
3,149
      
2,763
  
Total nonperforming loans
  
 
3,076
      
3,156
      
2,769
  
Other real estate owned, net
  
 
2,214
      
2,923
      
2,817
  
Total nonperforming assets
  
$
5,290
     $
6,079
     $
5,586
  
Ratio of nonperforming assets to loans, net of unearned income and deferred fees and costs, plus other real estate owned
  
 
0.75
%
    
0.92
%
    
0.83
%
Ratio of allowance for loan losses to nonperforming loans
(1)
 
 
250.75
%
    
268.47
%
    
286.20
%
Summary of Past Due 90 Days Loans or More and Impaired Loans [Table Text Block]
   
September 30,
    
December 31,
  
   
2018
    
2017
    
2017
  
Loans past due 90 days or more and still accruing
  
$
63
     $
250
     $
51
  
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
%
    
0.04
%
    
0.01
%
Accruing restructured loans
  
$
7,843
     $
4,815
     $
5,134
  
Impaired loans:
                        
Impaired loans with no valuation allowance
  
$
10,530
     $
10,522
     $
10,444
  
Impaired loans with a valuation allowance
  
 
1,404
      
1,637
      
1,480
  
Total impaired loans
  
$
11,934
     $
12,159
     $
11,924
  
Valuation allowance
  
 
(156
)
    
(186
)
    
(177
)
Impaired loans, net of allowance
  
$
11,778
     $
11,973
     $
11,747
  
Average recorded investment in impaired loans
(1)
  
$
12,684
     $
12,541
     $
13,344
  
Interest income recognized on impaired loans, after designation as impaired
  
$
414
     $
387
     $
528
  
Amount of income recognized on a cash basis
  
$
---
     $
---
     $
---
  
Impaired Financing Receivables [Table Text Block]
   
Impaired Loans as of September 30, 2018
  
   
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, other
  
$
2,470
    
$
2,470
    
$
2,470
    
$
---
    
$
---
  
Co
nsumer
Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Residential closed-end first liens
  
 
928
    
 
882
    
 
707
    
 
175
    
 
10
  
Residential closed-end junior liens
  
 
150
    
 
150
    
 
---
    
 
150
    
 
4
  
Investor-owned residential real estate
  
 
678
    
 
656
    
 
656
    
 
---
    
 
---
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily
  
 
294
    
 
294
    
 
294
    
 
---
    
 
---
  
Commercial real estate, owner-occupied
  
 
3,529
    
 
3,520
    
 
3,520
    
 
---
    
 
---
  
Commercial real estate, other
  
 
3,152
    
 
2,796
    
 
2,796
    
 
---
    
 
---
  
Commercial Non Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
  
 
1,158
    
 
1,149
    
 
70
    
 
1,079
    
 
142
  
Consumer Non Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Automobile
  
 
17
    
 
17
    
 
17
    
 
---
    
 
---
  
Total
  
$
12,376
    
$
11,934
    
$
10,530
    
$
1,404
    
$
156
  
   
Impaired Loans as of December 31, 2017
  
   
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
   $
2,882
     $
2,882
     $
2,882
     $
---
     $
---
  
Co
nsumer
Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Residential closed-end first liens
    
807
      
768
      
590
      
178
      
10
  
Residential closed-end junior liens
    
174
      
174
      
---
      
174
      
6
  
Investor-owned residential real estate
    
347
      
325
      
325
      
---
      
---
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily real estate
    
303
      
303
      
303
      
---
      
---
  
Commercial real estate, owner occupied
    
3,619
      
3,611
      
3,611
      
---
      
---
  
Commercial real estate, other
    
2,921
      
2,602
      
2,602
      
---
      
---
  
Commercial Non Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
1,236
      
1,229
      
126
      
1,103
      
160
  
Consumer Non Real Estate
(2)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Automobile
    
30
      
30
      
5
      
25
      
1
  
Total
   $
12,319
     $
11,924
     $
10,444
     $
1,480
     $
177
  
Impaired Financing Receivable Average Investment And Interest Income [Table Text Block]
   
For the Nine Months Ended
September 30, 2018
  
   
Average
Recorded
Investment
(1)
    
Interest
Income
Recognized
  
Real Estate Construction
(2)
  
 
 
 
  
 
 
 
Construction 1-4 family residential
  
$
2,697
    
$
108
  
Co
nsumer
Real Estate
(2)
  
 
 
 
  
 
 
 
Residential closed-end first liens
  
 
891
    
 
40
  
Residential closed-end junior liens
  
 
162
    
 
7
  
Investor-owned residential real estate
  
 
661
    
 
18
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
Multifamily real estate
  
 
298
    
 
12
  
Commercial real estate, owner occupied
  
 
3,934
    
 
145
  
Commercial real estate, other
  
 
2,829
    
 
55
  
Commercial
Non Real Estate
(2)
  
 
 
 
  
 
 
 
Commercial and industrial
  
 
1,188
    
 
28
  
Consumer Non Real Estate
(2)
  
 
 
 
  
 
 
 
Automobile
  
 
24
    
 
1
  
Total
  
$
12,684
    
$
414
  
   
For the Nine Months Ended
September 30, 2017
  
   
Average
Recorded
Investment
(1)
    
Interest
Income
Recognized
  
Real Estate Construction
(2)
  
 
 
 
  
 
 
 
Construction 1-4 family residential
   $
3,323
     $
133
  
Consumer Real Estate
(2)
  
 
 
 
  
 
 
 
Residential closed-end first liens
    
1,107
      
30
  
Residential closed-end junior liens
    
188
      
8
  
Investor-owned residential real estate
    
333
      
12
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
Multifamily real estate
    
310
      
12
  
Commercial real estate, owner occupied
    
3,420
      
140
  
Commercial real estate, other
    
2,658
      
45
  
Commercial Non Real Estate
(2)
  
 
 
 
  
 
 
 
Commercial and industrial
    
1,187
      
6
  
Consumer Non Real Estate
  
 
 
 
  
 
 
 
Automobile
    
15
      
1
  
Total
   $
12,541
     $
387
  
   
For the Year Ended
December 31, 2017
  
   
Average
Recorded
Investment
(1)
    
Interest
Income
Recognized
  
Real Estate Construction
(2)
  
 
 
 
  
 
 
 
Construction 1-4 family residential
   $
3,298
     $
177
  
Consumer
Real Estate
(2)
  
 
 
 
  
 
 
 
Residential closed-end first liens
    
781
      
57
  
Residential closed-end junior liens
    
185
      
11
  
Investor-owned residential real estate
    
329
      
1
  
Commercial Real Estate
(2)
  
 
 
 
  
 
 
 
Multifamily real estate
    
748
      
16
  
Commercial real estate, owner occupied
    
4,047
      
200
  
Commercial real estate, other
    
2,638
      
---
  
Commercial
Non Real Estate
(2)
  
 
 
 
  
 
 
 
Commercial and industrial
    
1,282
      
64
  
Co
nsumer
Non Real Estate
(2)
  
 
 
 
  
 
 
 
Automobile
    
36
      
2
  
Total
   $
13,344
     $
528
  
Past Due Financing Receivables [Table Text Block]
September 30, 2018
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
   
30 – 89 Days
Past Due and
Accruing
   
90 or
M
ore
Days Past Due
    
90 or More Days
Past Due and
Accruing
    
Nonaccruals
(2)
  
Consumer Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Equity lines
  
 
70
    
 
---
    
 
---
    
 
---
  
Residential closed-end first liens
  
 
1,388
    
 
63
    
 
38
    
 
163
  
Residential closed-end junior liens
  
 
12
    
 
---
    
 
---
    
 
---
  
Investor-owned residential real estate
  
 
54
    
 
---
    
 
---
    
 
200
  
Commercial Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily real estate
  
 
294
    
 
195
    
 
---
    
 
195
  
Commercial real estate, owner-occupied
  
 
379
    
 
---
    
 
---
    
 
---
  
Commercial real estate, other
  
 
---
    
 
2,510
    
 
---
    
 
2,510
  
Commercial Non Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
  
 
196
    
 
---
    
 
---
    
 
8
  
Consumer Non Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Credit cards
  
 
7
    
 
5
    
 
5
    
 
---
  
Automobile
  
 
322
    
 
10
    
 
10
    
 
---
  
Other consumer loans
  
 
46
    
 
10
    
 
10
    
 
---
  
Total
  
$
2,768
    
$
2,793
    
$
63
    
$
3,076
  
December 31, 2017
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
   
30 – 89 Days
Past Due and
Accruing
    
90 or
M
ore
Days Past Due
    
90 or More
Days Past Due
and Accruing
    
Nonaccruals
(2)
  
Consumer Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Residential closed-end first liens
   $
637
     $
16
     $
11
     $
145
  
Residential closed-end junior liens
    
188
      
---
      
---
      
---
  
Investor-owned residential real estate
    
66
      
---
      
---
      
6
  
Commercial Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily real estate
    
303
      
---
      
---
      
---
  
Commercial real estate, owner occupied
    
402
      
---
      
---
      
---
  
Commercial real estate, other
    
---
      
2,602
      
---
      
2,602
  
Commercial
Non Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
131
      
---
      
---
      
15
  
Consumer Non Real Estate
(1)
  
 
 
 
  
 
 
 
  
 
 
 
  
 
 
 
Credit cards
    
7
      
12
      
12
      
---
  
Automobile
    
375
      
22
      
22
      
1
  
Other consumer loans
    
154
      
6
      
6
      
---
  
Total
   $
2,263
     $
2,658
     $
51
     $
2,769
  
Financing Receivable Credit Quality Indicators [Table Text Block]
   
Pass
(1)
    
Special
Mention
(1)
    
 
Classified
(1)
  
Real Estate
Construction
  
 
 
 
  
 
 
 
  
 
 
 
Construction, 1-4 family residential
  
$
9,281
    
$
---
    
$
---
  
Construction, other
  
 
30,776
    
 
21
    
 
---
  
Consumer Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Equity lines
  
 
16,653
    
 
296
    
 
---
  
Closed-end first liens
  
 
87,835
    
 
916
    
 
590
  
Closed-end junior liens
  
 
4,059
    
 
---
    
 
---
  
Investor-owned residential real estate
  
 
59,642
    
 
---
    
 
---
  
Commercial Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily residential real estate
  
 
93,296
    
 
---
    
 
195
  
Commercial real estate owner-occupied
  
 
122,589
    
 
74
    
 
32
  
Commercial real estate, other
  
 
123,960
    
 
---
    
 
---
  
Commercial
Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
  
 
43,176
    
 
167
    
 
5
  
Public Sector and IDA
  
 
 
 
  
 
 
 
  
 
 
 
States and political subdivisions
  
 
59,369
    
 
---
    
 
---
  
Consumer Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Credit cards
  
 
5,564
    
 
---
    
 
---
  
Automobile
  
 
15,912
    
 
78
    
 
49
  
Other consumer
  
 
15,934
    
 
24
    
 
9
  
Total
  
$
688,046
    
$
1,576
    
$
880
  
   
Pass
(1)
    
Special
Mention
(1)
    
 
Classified
(1)
  
Real Estate
Construction
  
 
 
 
  
 
 
 
  
 
 
 
Construction, 1-4 family residential
   $
10,396
     $
---
    
$
---
  
Construction, other
    
21,416
      
---
    
 
---
  
Consumer
Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Equity lines
    
16,673
      
39
      
---
  
Closed-end first liens
    
85,975
      
2,400
      
355
  
Closed-end junior liens
    
4,483
      
29
      
12
  
Investor-owned residential real estate
    
55,410
      
66
      
256
  
Commercial Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Multifamily residential real estate
    
95,894
      
127
      
---
  
Commercial real estate owner-occupied
    
130,256
      
246
      
763
  
Commercial real estate, other
    
106,612
      
---
      
---
  
Commercial
Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
    
38,904
      
220
      
165
  
Public Sector and IDA
  
 
 
 
  
 
 
 
  
 
 
 
States and political subdivisions
    
51,443
      
---
      
---
  
Consumer Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Credit cards
    
5,493
      
---
      
---
  
Automobile
    
16,059
      
218
      
116
  
Other consumer
    
12,692
      
16
      
24
  
Total
   $
651,706
     $
3,361
     $
1,691
  
Troubled Debt Restructurings on Financing Receivables [Table Text Block]
   
Restructurings That Occurred During the Three Months
Ended September 30, 2018
  
   
Number of
Contracts
    
Pre-Modification
Outstanding
Principal Balance
    
Post-Modification
Outstanding
Principal Balance
  
Resident
ial Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Investor owned real estate
  
 
2
    
$
338
    
$
338
  
Total
  
 
2
    
$
338
    
$
338
  
   
Restructurings That Occurred During the Nine Months
Ended September 30, 2018
  
   
Number of
Contracts
    
Pre-Modification
Outstanding
Principal Balance
    
Post-Modification
Outstanding
Principal Balance
  
Real Estate Construction
  
 
 
 
  
 
 
 
  
 
 
 
Construction, other
  
 
2
    
$
2,882
    
$
2,882
  
Residential Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Investor owned real estate
  
 
2
    
 
338
    
 
338
  
Commercial Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Commercial real estate owner-occupied
  
 
2
    
 
715
    
 
715
  
Total
  
 
6
    
$
3,935
    
$
3,935
  
   
Restructurings That Occurred During the Three Months
Ended September 30, 2017
  
   
Number of
Contracts
    
Pre-Modification
Outstanding
Principal Balance
    
Post-Modification
Outstanding
Principal Balance
  
Commercial Non R
eal
E
state
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
  
 
2
    
$
1,116
    
$
1,116
  
Consumer Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Automobile
  
 
2
    
 
14
    
 
14
  
Total
  
 
4
    
$
1,130
    
$
1,130
  
   
Restructurings That Occurred During the Nine Months
Ended September 30, 2017
  
   
Number of
Contracts
    
Pre-Modification
Outstanding
Principal Balance
    
Post-Modification
Outstanding
Principal Balance
  
Commercial Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Commercial real estate, owner occupied
  
 
1
    
$
132
    
$
132
  
Commercial Non R
eal
E
state
  
 
 
 
  
 
 
 
  
 
 
 
Commercial and industrial
  
 
4
    
 
1,234
    
 
1,234
  
Consumer Non Real Estate
  
 
 
 
  
 
 
 
  
 
 
 
Automobile
  
 
2
    
 
14
    
 
14
  
Total
  
 
7
    
$
1,380
    
$
1,380