Loans

The composition of the loan portfolio, by class of loan, as of June 30, 2014 and December 31, 2013 was as follows:



	June 30, 2014						December 31, 2013
(In thousands)	Loan balance		Accrued interest receivable		Recorded investment		Loan balance		Accrued interest receivable		Recorded investment
Commercial, financial and agricultural *	$	817,894	$	2,940	$	820,834	$	825,432	$	3,079	$	828,511
Commercial real estate *	1,099,776		3,335		1,103,111		1,112,273		3,765		1,116,038
Construction real estate:
SEPH commercial land and development *	5,204		2		5,206		5,846		2		5,848
Remaining commercial	112,034		292		112,326		110,842		263		111,105
Mortgage	30,219		81		30,300		31,882		96		31,978
Installment	7,535		25		7,560		7,546		26		7,572
Residential real estate:
Commercial	411,465		968		412,433		407,387		904		408,291
Mortgage	1,172,779		1,739		1,174,518		1,144,754		1,559		1,146,313
HELOC	213,973		816		214,789		213,565		870		214,435
Installment	29,932		102		30,034		33,841		132		33,973
Consumer	831,454		2,779		834,233		723,733		2,775		726,508
Leases	3,222		32		3,254		3,404		23		3,427
Total loans	$	4,735,487	$	13,111	$	4,748,598	$	4,620,505	$	13,494	$	4,633,999

* Included within commercial, financial and agricultural loans, commercial real estate loans, and SEPH commercial land and development loans is an immaterial amount of consumer loans that are not broken out by class.

Credit Quality

The following tables present the recorded investment in nonaccrual loans, accruing troubled debt restructurings, and loans past due 90 days or more and still accruing by class of loan as of June 30, 2014 and December 31, 2013:



	June 30, 2014
(In thousands)	Nonaccrual loans		Accruing troubled debt restructurings		Loans past due 90 days or more and accruing		Total nonperforming loans
Commercial, financial and agricultural	$	17,761	$	5	$	3,988	$	21,754
Commercial real estate	33,957		1,181		—		35,138
Construction real estate:
SEPH commercial land and development	4,378		—		—		4,378
Remaining commercial	9,657		297		—		9,954
Mortgage	99		95		—		194
Installment	36		160		2		198
Residential real estate:
Commercial	28,352		423		—		28,775
Mortgage	18,793		12,241		1,448		32,482
HELOC	1,676		761		37		2,474
Installment	1,610		921		61		2,592
Consumer	2,576		1,511		1,020		5,107
Total loans	$	118,895	$	17,595	$	6,556	$	143,046



	December 31, 2013
(In thousands)	Nonaccrual loans		Accruing troubled debt restructurings		Loans past due 90 days or more and accruing		Total nonperforming loans
Commercial, financial and agricultural	$	20,633	$	107	$	80	$	20,820
Commercial real estate	39,588		2,234		2		41,824
Construction real estate:
SEPH commercial land and development	4,777		—		—		4,777
Remaining commercial	10,476		306		—		10,782
Mortgage	87		97		—		184
Installment	39		192		—		231
Residential real estate:
Commercial	32,495		913		—		33,408
Mortgage	20,564		11,708		549		32,821
HELOC	2,129		751		—		2,880
Installment	965		885		80		1,930
Consumer	3,463		1,616		1,016		6,095
Total loans	$	135,216	$	18,809	$	1,727	$	155,752

The following table provides additional information regarding those nonaccrual and accruing troubled debt restructured loans that were individually evaluated for impairment and those collectively evaluated for impairment as of June 30, 2014 and December 31, 2013.



	June 30, 2014						December 31, 2013
(In thousands)	Nonaccrual and accruing troubled debt restructurings		Loans individually evaluated for impairment		Loans collectively evaluated for impairment		Nonaccrual and accruing troubled debt restructurings		Loans individually evaluated for impairment		Loans collectively evaluated for impairment
Commercial, financial and agricultural	$	17,766	$	17,628	$	138	$	20,740	$	20,727	$	13
Commercial real estate	35,138		35,138		—		41,822		41,822		—
Construction real estate:
SEPH commercial land and development	4,378		4,378		—		4,777		4,777		—
Remaining commercial	9,954		9,954		—		10,782		10,782		—
Mortgage	194		—		194		184		—		184
Installment	196		—		196		231		—		231
Residential real estate:
Commercial	28,775		28,775		—		33,408		33,408		—
Mortgage	31,034		—		31,034		32,272		—		32,272
HELOC	2,437		—		2,437		2,880		—		2,880
Installment	2,531		—		2,531		1,850		—		1,850
Consumer	4,087		132		3,955		5,079		799		4,280
Total loans	$	136,490	$	96,005	$	40,485	$	154,025	$	112,315	$	41,710

All of the loans individually evaluated for impairment were evaluated using the fair value of the underlying collateral or the present value of expected future cash flows as the measurement method.

The following table presents loans individually evaluated for impairment by class of loan as of June 30, 2014 and December 31, 2013.



	June 30, 2014						December 31, 2013
(In thousands)	Unpaid principal balance		Recorded investment		Allowance for loan losses allocated		Unpaid principal balance		Recorded investment		Allowance for loan losses allocated
With no related allowance recorded:
Commercial, financial and agricultural	$	22,223	$	11,092	$	—	$	22,429	$	12,885	$	—
Commercial real estate	50,559		31,667		—		56,870		34,149		—
Construction real estate:
SEPH commercial land and development	21,833		4,378		—		23,722		4,777		—
Remaining commercial	5,281		3,722		—		8,429		6,872		—
Residential real estate:
Commercial	31,632		26,834		—		36,709		31,461		—
Consumer	—		—		—		799		799		—

With an allowance recorded:
Commercial, financial and agricultural	10,891		6,536		2,860		12,616		7,842		3,268
Commercial real estate	3,611		3,471		781		7,966		7,673		5,496
Construction real estate:
SEPH commercial land and development	—		—		—		—		—		—
Remaining commercial	6,232		6,232		2,174		3,909		3,910		1,132
Residential real estate:
Commercial	2,002		1,941		447		2,129		1,947		555
Consumer	132		132		81		—		—		—
Total	$	154,396	$	96,005	$	6,343	$	175,578	$	112,315	$	10,451

Management’s general practice is to proactively charge down loans individually evaluated for impairment to the fair value of the underlying collateral. At June 30, 2014 and December 31, 2013, there were $53.9 million and $58.1 million, respectively, of partial charge-offs on loans individually evaluated for impairment with no related allowance recorded and $4.5 million and $5.2 million, respectively, of partial charge-offs on loans individually evaluated for impairment that also had a specific reserve allocated.

The allowance for loan losses included specific reserves related to loans individually evaluated for impairment at June 30, 2014 and December 31, 2013 of $6.3 million and $10.5 million, respectively. These loans with specific reserves had a recorded investment of $18.3 million and $21.4 million as of June 30, 2014 and December 31, 2013, respectively.

Interest income on loans individually evaluated for impairment is recognized on a cash basis only when Park expects to receive the entire recorded investment of the loan. The following table presents the average recorded investment and interest income recognized on loans individually evaluated for impairment as of and for the three and six months ended June 30, 2014 and June 30, 2013:



	Three Months Ended June 30, 2014						Three Months Ended June 30, 2013
(In thousands)	Recorded investment as of June 30, 2014		Average recorded investment		Interest income recognized		Recorded investment as of June 30, 2013		Average recorded investment		Interest income recognized
Commercial, financial and agricultural	$	17,628	$	18,867	$	75	$	20,154	$	21,148	$	82
Commercial real estate	35,138		35,638		282		42,128		40,047		259
Construction real estate:
SEPH commercial land and development	4,378		4,329		66		9,074		9,532		—
Remaining commercial	9,954		10,150		7		18,535		19,390		192
Residential real estate:
Commercial	28,775		30,212		307		35,412		36,141		112
Consumer	132		667		—		799		799		—
Total	$	96,005	$	99,863	$	737	$	126,102	$	127,057	$	645



	Six Months Ended June 30, 2014						Six Months Ended June 30, 2013
(In thousands)	Recorded investment as of June 30, 2014		Average recorded investment		Interest income recognized		Recorded investment as of June 30, 2013		Average recorded investment		Interest income recognized
Commercial, financial and agricultural	$	17,628	$	19,456	$	136	$	20,154	$	21,252	$	210
Commercial real estate	35,138		38,163		535		42,128		41,840		515
Construction real estate:
SEPH commercial land and development	4,378		4,439		122		9,074		10,854		—
Remaining commercial	9,954		10,227		54		18,535		20,103		412
Residential real estate:
Commercial	28,775		30,577		570		35,412		35,897		242
Consumer	132		723		—		799		459		—
Total	$	96,005	$	103,585	$	1,417	$	126,102	$	130,405	$	1,379

The following tables present the aging of the recorded investment in past due loans as of June 30, 2014 and December 31, 2013 by class of loan.



	June 30, 2014
(In thousands)	Accruing loans past due 30-89 days		Past due nonaccrual loans and loans past due 90 days or more and accruing*		Total past due		Total current		Total recorded investment
Commercial, financial and agricultural	$	1,147	$	14,244	$	15,391	$	805,443	$	820,834
Commercial real estate	938		16,475		17,413		1,085,698		1,103,111
Construction real estate:
SEPH commercial land and development	688		3,873		4,561		645		5,206
Remaining commercial	3,438		3,146		6,584		105,742		112,326
Mortgage	270		90		360		29,940		30,300
Installment	68		12		80		7,480		7,560
Residential real estate:
Commercial	701		20,002		20,703		391,730		412,433
Mortgage	13,029		11,108		24,137		1,150,381		1,174,518
HELOC	483		418		901		213,888		214,789
Installment	554		484		1,038		28,996		30,034
Consumer	10,802		3,044		13,846		820,387		834,233
Leases	—		—		—		3,254		3,254
Total loans	$	32,118	$	72,896	$	105,014	$	4,643,584	$	4,748,598

* Includes $6.6 million of loans past due 90 days or more and accruing. The remaining are past due, nonaccrual loans and accruing troubled debt restructurings.



	December 31, 2013
(in thousands)	Accruing loans past due 30-89 days		Past due nonaccrual loans and loans past due 90 days or more and accruing*		Total past due		Total current		Total recorded investment
Commercial, financial and agricultural	$	1,233	$	13,275	$	14,508	$	814,003	$	828,511
Commercial real estate	2,168		18,274		20,442		1,095,596		1,116,038
Construction real estate:
SEPH commercial land and development	—		4,242		4,242		1,606		5,848
Remaining commercial	—		3,463		3,463		107,642		111,105
Mortgage	264		75		339		31,639		31,978
Installment	207		14		221		7,351		7,572
Residential real estate:
Commercial	900		5,659		6,559		401,732		408,291
Mortgage	13,633		11,829		25,462		1,120,851		1,146,313
HELOC	571		402		973		213,462		214,435
Installment	696		436		1,132		32,841		33,973
Consumer	12,143		3,941		16,084		710,424		726,508
Leases	—		—		—		3,427		3,427
Total loans	$	31,815	$	61,610	$	93,425	$	4,540,574	$	4,633,999

* Includes $1.7 million of loans past due 90 days or more and accruing. The remaining are past due, nonaccrual loans and accruing troubled debt restructurings.

Credit Quality Indicators

Management utilizes past due information as a credit quality indicator across the loan portfolio. Past due information as of June 30, 2014 and December 31, 2013 is included in the tables above. The past due information is the primary credit quality indicator within the following classes of loans: (1) mortgage loans and installment loans in the construction real estate segment; (2) mortgage loans, HELOC and installment loans in the residential real estate segment; and (3) consumer loans. The primary credit indicator for commercial loans is based on an internal grading system that grades all commercial loans on a scale from 1 to 8. Credit grades are continuously monitored by the responsible loan officer and adjustments are made when appropriate. A grade of 1 indicates little or no credit risk and a grade of 8 is considered a loss. Commercial loans with grades of 1 to 4.5 (pass-rated) are considered to be of acceptable credit risk. Commercial loans graded a 5 (special mention) are considered to be watch list credits and a higher loan loss reserve percentage is allocated to these loans. Loans classified as special mention have potential weaknesses that require management’s close attention. If left uncorrected, these potential weaknesses may result in deterioration of the repayment prospects for the loan or of the institution’s credit position at some future date. Commercial loans graded 6 (substandard), also considered watch list credits, are considered to represent higher credit risk and, as a result, a higher loan loss reserve percentage is allocated to these loans. Loans classified as substandard are inadequately protected by the current sound worth and paying capacity of the obligor or the value of the collateral pledged, if any. Loans so classified have a well defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that Park will sustain some loss if the deficiencies are not corrected. Commercial loans that are graded a 7 (doubtful) are shown as nonaccrual and Park generally charges these loans down to their fair value by taking a partial charge-off or recording a specific reserve. Loans classified as doubtful have all the weaknesses inherent in those classified as substandard with the added characteristic that the weaknesses make collection or liquidation in full, on the basis of currently existing facts, conditions and values, highly questionable and improbable. Certain 6-rated loans and all 7-rated loans are included within the impaired category. A loan is deemed impaired when management determines the borrower's ability to perform in accordance with the contractual loan agreement is in doubt. Any commercial loan graded an 8 (loss) is completely charged off.

The tables below present the recorded investment by loan grade at June 30, 2014 and December 31, 2013 for all commercial loans:



	June 30, 2014
(In thousands)	5 Rated		6 Rated		Impaired		Pass Rated		Recorded Investment
Commercial, financial and agricultural *	$	12,167	$	92	$	17,766	$	790,809	$	820,834
Commercial real estate *	9,093		424		35,138		1,058,456		1,103,111
Construction real estate:
SEPH commercial land and development *	—		—		4,378		828		5,206
Remaining commercial	3,670		—		9,954		98,702		112,326
Residential real estate:
Commercial	2,270		283		28,775		381,105		412,433
Leases	—		—		—		3,254		3,254
Total Commercial Loans	$	27,200	$	799	$	96,011	$	2,333,154	$	2,457,164



	December 31, 2013
(In thousands)	5 Rated		6 Rated		Impaired		Pass Rated		Recorded Investment
Commercial, financial and agricultural *	$	6,055	$	532	$	20,740	$	801,184	$	828,511
Commercial real estate *	11,591		1,525		41,822		1,061,100		1,116,038
Construction real estate:
SEPH commercial land and development *	354		—		4,777		717		5,848
Remaining commercial	6,858		244		10,782		93,221		111,105
Residential real estate:
Commercial	5,033		397		33,408		369,453		408,291
Leases	—		—		—		3,427		3,427
Total Commercial Loans	$	29,891	$	2,698	$	111,529	$	2,329,102	$	2,473,220

Troubled Debt Restructurings (TDRs)

Management classifies loans as TDRs when a borrower is experiencing financial difficulties and Park has granted a concession to the borrower as part of a modification or in the loan renewal process. In order to determine whether a borrower is experiencing financial difficulty, an evaluation is performed of the probability that the borrower will be in payment default on any of the borrower's debt in the foreseeable future without the modification. This evaluation is performed in accordance with the Company’s internal underwriting policy. Management’s policy is to modify loans by extending the term or by granting a temporary or permanent contractual interest rate below the market rate, not by forgiving debt. Certain loans which were modified during the periods ended June 30, 2014 and June 30, 2013 did not meet the definition of a TDR as the modification was a delay in a payment that was considered to be insignificant. Management considers a forbearance period of up to three months or a delay in payment of up to 30 days to be insignificant. TDRs may be classified as accruing if the borrower has been current for a period of at least six months with respect to loan payments and management expects that the borrower will be able to continue to make payments in accordance with the terms of the restructured note. Management reviews all accruing TDRs quarterly to ensure payments continue to be made in accordance with the modified terms.

Management reviews renewals/modifications of loans previously identified as TDRs to consider if it is appropriate to remove the TDR classification. If the borrower is no longer experiencing financial difficulty and the renewal/modification does not contain a concessionary interest rate or other concessionary terms, management considers the potential removal of the TDR classification. If deemed appropriate, the TDR classification is removed as the borrower has complied with the terms of the loan at the date of the renewal/modification and there was a reasonable expectation that the borrower would continue to comply with the terms of the loan subsequent to the date of the renewal/modification. The majority of these TDRs were originally considered restructurings in a prior year as a result of a renewal/modification with an interest rate that was not commensurate with the risk of the underlying loan at the time of the renewal/modification. During the three-month and six-month periods ended June 30, 2014, Park removed the TDR classification on $0.6 million and $1.6 million, respectively, of loans that met the requirements discussed above. During both the three-month and six-month periods ended June 30, 2013, Park removed the TDR classification on $2.9 million of loans that met the requirements discussed above.

At June 30, 2014 and December 31, 2013, there were $62.1 million and $76.3 million, respectively, of TDRs included in the nonaccrual loan totals. At June 30, 2014 and December 31, 2013, $21.8 million and $50.6 million of these nonaccrual TDRs were performing in accordance with the terms of the restructured note. As of June 30, 2014 and December 31, 2013, there were $17.6 million and $18.8 million, respectively, of TDRs included in accruing loan totals. Management will continue to review the restructured loans and may determine it appropriate to move certain of the loans back to accrual status in the future.

At June 30, 2014 and December 31, 2013, Park had commitments to lend $2.8 million and $4.0 million, respectively, of additional funds to borrowers whose outstanding loan terms had been modified in a TDR.

The specific reserve related to TDRs at June 30, 2014 and December 31, 2013 was $3.0 million and $7.5 million, respectively. Modifications made in 2013 and 2014 were largely the result of renewals, extending the maturity date of the loan, at terms consistent with the original note. These modifications were deemed to be TDRs primarily due to Park’s conclusion that the borrower would likely not have qualified for similar terms through another lender. Many of the modifications deemed to be TDRs were previously identified as impaired loans, and thus were also previously evaluated for impairment under ASC 310. Additional specific reserves of $261,000 and $279,000 were recorded during the three-month and six-month periods ended June 30, 2014, respectively, as a result of TDRs identified in 2014. Additional specific reserves of $33,000 and $271,000 were recorded during the three-month and six-month periods ended June 30, 2013, respectively, as a result of TDRs identified in 2013.

The terms of certain other loans were modified during the six-month periods ended June 30, 2014 and June 30, 2013 that did not meet the definition of a TDR. Modified substandard commercial loans which did not meet the definition of a TDR had a total recorded investment as of June 30, 2014 and June 30, 2013 of $1.6 million and $1.0 million, respectively. The renewal/modification of these loans: (1) involved a renewal/modification of the terms of a loan to a borrower who was not experiencing financial difficulties, (2) resulted in a delay in a payment that was considered to be insignificant, or (3) resulted in Park obtaining additional collateral or guarantees that improved the likelihood of the ultimate collection of the loan such that the modification was deemed to be at market terms. Modified consumer loans which did not meet the definition of a TDR had a total recorded investment as of June 30, 2014 and June 30, 2013 of $12.5 million and $12.0 million, respectively. Many of these loans were to borrowers who were not experiencing financial difficulties but who were looking to reduce their cost of funds.

The following tables detail the number of contracts modified as TDRs during the three-month and six-month periods ended June 30, 2014 and June 30, 2013, as well as the recorded investment of these contracts at June 30, 2014 and June 30, 2013. The recorded investment pre- and post-modification is generally the same due to the fact that Park does not typically provide for forgiveness of principal.



	Three Months Ended June 30, 2014
(In thousands)	Number of Contracts	Accruing		Nonaccrual		Total Recorded Investment
Commercial, financial and agricultural	5	$	—	$	294	$	294
Commercial real estate	3	—		315		315
Construction real estate:
SEPH commercial land and development	—	—		—		—
Remaining commercial	2	—		549		549
Mortgage	—	—		—		—
Installment	1	—		3		3
Residential real estate:
Commercial	—	—		—		—
Mortgage	13	357		375		732
HELOC	5	108		168		276
Installment	2	93		4		97
Consumer	88	360		266		626
Total loans	119	$	918	$	1,974	$	2,892



	Three Months Ended June 30, 2013
(In thousands)	Number of Contracts	Accruing		Nonaccrual		Total Recorded Investment
Commercial, financial and agricultural	7	$	106	$	156	$	262
Commercial real estate	5	—		1,502		1,502
Construction real estate:
SEPH commercial land and development	—	—		—		—
Remaining commercial	1	180		—		180
Mortgage	—	—		—		—
Installment	—	—		—		—
Residential real estate:
Commercial	8	—		1,007		1,007
Mortgage	21	582		1,032		1,614
HELOC	3	28		—		28
Installment	3	24		35		59
Consumer	103	378		212		590
Total loans	151	$	1,298	$	3,944	$	5,242

Of those loans which were modified and determined to be a TDR during the three-month period ended June 30, 2014, $789,000 were on nonaccrual status as of December 31, 2013. Of those loans which were modified and determined to be a TDR during the three-month period ended June 30, 2013, $3.0 million were on nonaccrual status as of December 31, 2012.



	Six Months Ended June 30, 2014
(In thousands)	Number of Contracts	Accruing		Nonaccrual		Total Recorded Investment
Commercial, financial and agricultural	10	$	158	$	194	$	352
Commercial real estate	6	—		996		996
Construction real estate:
SEPH commercial land and development	—	—		—		—
Remaining commercial	2	—		208		208
Mortgage	—	—		—		—
Installment	1	—		3		3
Residential real estate:
Commercial	2	—		48		48
Mortgage	20	457		864		1,321
HELOC	5	108		168		276
Installment	6	95		3		98
Consumer	159	562		289		851
Total loans	211	$	1,380	$	2,773	$	4,153



	Six Months Ended June 30, 2013
(In thousands)	Number of Contracts	Accruing		Nonaccrual		Total Recorded Investment
Commercial, financial and agricultural	14	$	7	$	489	$	496
Commercial real estate	7	25		1,653		1,678
Construction real estate:
SEPH commercial land and development	—	—		—		—
Remaining commercial	2	217		—		217
Mortgage	—	—		—		—
Installment	2	—		25		25
Residential real estate:
Commercial	14	376		2,582		2,958
Mortgage	33	1,457		1,274		2,731
HELOC	7	91		—		91
Installment	7	70		35		105
Consumer	175	582		272		854
Total loans	261	$	2,825	$	6,330	$	9,155

Of those loans which were modified and determined to be a TDR during the six-month period ended June 30, 2014, $1.7 million were on nonaccrual status as of December 31, 2013. Of those loans which were modified and determined to be a TDR during the six-month period ended June 30, 2013, $3.3 million were on nonaccrual status as of December 31, 2012.

The following tables present the recorded investment in financing receivables which were modified as TDRs within the previous 12 months and for which there was a payment default during the three-month and six-month periods ended June 30, 2014 and June 30, 2013, respectively. For these tables, a loan is considered to be in default when it becomes 30 days contractually past due under the modified terms. The additional allowance for loan loss resulting from the defaults on TDR loans was immaterial.



	Three Months Ended June 30, 2014			Three Months Ended June 30, 2013
(In thousands)	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
Commercial, financial and agricultural	6	$	370	11	$	726
Commercial real estate	4	939		2	187
Construction real estate:
SEPH commercial land and development	—	—		2	242
Remaining commercial	—	—		2	321
Mortgage	—	—		—	—
Installment	1	3		—	—
Residential real estate:
Commercial	1	29		9	2,200
Mortgage	18	1,249		26	2,038
HELOC	1	168		5	83
Installment	4	162		9	141
Consumer	49	380		100	559
Leases	—	—		—	—
Total loans	84	$	3,300	166	$	6,497

Of the $3.3 million in modified TDRs which defaulted during the three months ended June 30, 2014, $138,000 were accruing loans and $3.2 million were nonaccrual loans. Of the $6.5 million in modified TDRs which defaulted during the three months ended June 30, 2013, $421,000 were accruing loans and $6.1 million were nonaccrual loans.



	Six Months Ended June 30, 2014			Six Months Ended June 30, 2013
(In thousands)	Number of Contracts	Recorded Investment		Number of Contracts	Recorded Investment
Commercial, financial and agricultural	7	$	374	12	$	736
Commercial real estate	4	939		2	187
Construction real estate:
SEPH commercial land and development	—	—		3	257
Remaining commercial	—	—		2	321
Mortgage	—	—		—	—
Installment	1	3		1	12
Residential real estate:
Commercial	1	29		9	2,200
Mortgage	21	1,379		38	2,981
HELOC	1	168		6	120
Installment	5	185		10	162
Consumer	54	416		115	632
Leases	—	—		—	—
Total loans	94	$	3,493	198	$	7,608

Of the $3.5 million in modified TDRs which defaulted during the six months ended June 30, 2014, $297,000 were accruing loans and $3.2 million were nonaccrual loans. Of the $7.6 million in modified TDRs which defaulted during the six months ended June 30, 2013, $1.1 million were accruing loans and $6.5 million were nonaccrual loans.