Allowance for Loan Losses (Tables)
|
6 Months Ended |
Jun. 30, 2019 |
Receivables [Abstract] |
|
Changes in Allowance for Loss Losses |
The following table shows the change in the allowance for loss losses by loan segment for the three and six months ended June 30, 2019 and 2018, respectively:
Commercial |
|
Three Months Ended June 30, |
|
|
Six Months Ended June 30, |
|
|
|
2019 |
|
|
2018 |
|
|
2019 |
|
|
2018 |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Balance, beginning of period |
|
$ |
1,281 |
|
|
$ |
1,461 |
|
|
$ |
1,334 |
|
|
$ |
1,401 |
|
Provision for (recovery of) loan losses |
|
|
(350 |
) |
|
|
21 |
|
|
|
(414 |
) |
|
|
66 |
|
Charge-offs |
|
|
— |
|
|
|
(31 |
) |
|
|
(5 |
) |
|
|
(31 |
) |
Recoveries |
|
|
341 |
|
|
|
9 |
|
|
|
357 |
|
|
|
24 |
|
Net (charge-offs) / Recoveries |
|
|
341 |
|
|
|
(22 |
) |
|
|
352 |
|
|
|
(7 |
) |
Reclassification of reserve for off balance sheet commitments |
|
|
(32 |
) |
|
|
— |
|
|
|
(32 |
) |
|
|
— |
|
Balance at end of period |
|
$ |
1,240 |
|
|
$ |
1,460 |
|
|
$ |
1,240 |
|
|
$ |
1,460 |
|
Non-Commercial |
|
Three Months Ended June 30, |
|
|
Six Months Ended June 30, |
|
|
|
2019 |
|
|
2018 |
|
|
2019 |
|
|
2018 |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Balance, beginning of period |
|
$ |
952 |
|
|
$ |
1,086 |
|
|
$ |
1,040 |
|
|
$ |
1,057 |
|
Provision for (recovery of) loan losses |
|
|
35 |
|
|
|
17 |
|
|
|
(14 |
) |
|
|
50 |
|
Charge-offs |
|
|
(12 |
) |
|
|
(40 |
) |
|
|
(65 |
) |
|
|
(57 |
) |
Recoveries |
|
|
18 |
|
|
|
60 |
|
|
|
32 |
|
|
|
73 |
|
Net (charge-offs) / Recoveries |
|
|
6 |
|
|
|
20 |
|
|
|
(33 |
) |
|
|
16 |
|
Reclassification of reserve for off balance sheet commitments |
|
|
(54 |
) |
|
|
— |
|
|
|
(54 |
) |
|
|
— |
|
Balance at end of period |
|
$ |
939 |
|
|
$ |
1,123 |
|
|
$ |
939 |
|
|
$ |
1,123 |
|
Total |
|
Three Months Ended June 30, |
|
|
Six Months Ended June 30, |
|
|
|
2019 |
|
|
2018 |
|
|
2019 |
|
|
2018 |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Balance, beginning of period |
|
$ |
2,233 |
|
|
$ |
2,547 |
|
|
$ |
2,374 |
|
|
$ |
2,458 |
|
Provision for (recovery of) loan losses |
|
|
(315 |
) |
|
|
38 |
|
|
|
(428 |
) |
|
|
116 |
|
Charge-offs |
|
|
(12 |
) |
|
|
(71 |
) |
|
|
(70 |
) |
|
|
(88 |
) |
Recoveries |
|
|
359 |
|
|
|
69 |
|
|
|
389 |
|
|
|
97 |
|
Net (charge-offs) / Recoveries |
|
|
347 |
|
|
|
(2 |
) |
|
|
319 |
|
|
|
9 |
|
Reclassification of reserve for off balance sheet commitments |
|
|
(86 |
) |
|
|
— |
|
|
|
(86 |
) |
|
|
— |
|
Balance at end of period |
|
$ |
2,179 |
|
|
$ |
2,583 |
|
|
$ |
2,179 |
|
|
$ |
2,583 |
|
|
Schedule of Loans and Reserve Balances by Loan Segment Both Individually and Collectively Evaluated for Impairment |
The following table shows period-end loans and reserve balances by loan segment both individually and collectively evaluated for impairment at June 30, 2019 and December 31, 2018:
June 30, 2019 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Individually Evaluated |
|
|
Collectively Evaluated |
|
|
Total |
|
|
|
Reserve |
|
|
Loans |
|
|
Reserve |
|
|
Loans |
|
|
Reserve |
|
|
Loans |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
29 |
|
|
$ |
1,774 |
|
|
$ |
1,211 |
|
|
$ |
224,782 |
|
|
$ |
1,240 |
|
|
$ |
226,556 |
|
Non-Commercial |
|
|
126 |
|
|
|
3,218 |
|
|
|
813 |
|
|
|
144,792 |
|
|
|
939 |
|
|
|
148,010 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
$ |
155 |
|
|
$ |
4,992 |
|
|
$ |
2,024 |
|
|
$ |
369,574 |
|
|
$ |
2,179 |
|
|
$ |
374,566 |
|
December 31, 2018 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Individually Evaluated |
|
|
Collectively Evaluated |
|
|
Total |
|
|
|
Reserve |
|
|
Loans |
|
|
Reserve |
|
|
Loans |
|
|
Reserve |
|
|
Loans |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
42 |
|
|
$ |
1,359 |
|
|
$ |
1,292 |
|
|
$ |
217,592 |
|
|
$ |
1,334 |
|
|
$ |
218,951 |
|
Non-Commercial |
|
|
112 |
|
|
|
3,119 |
|
|
|
928 |
|
|
|
147,900 |
|
|
|
1,040 |
|
|
|
151,019 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
$ |
154 |
|
|
$ |
4,478 |
|
|
$ |
2,220 |
|
|
$ |
365,492 |
|
|
$ |
2,374 |
|
|
$ |
369,970 |
|
|
Past Due Information of Loan Portfolio by Class |
Past due loan information is used by management when assessing the adequacy of the allowance for loan losses. The following table summarizes the past due information of the loan portfolio by class:
June 30, 2019 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans
30-89 Days
Past Due |
|
|
Loans
90 Days
or More
Past due
and Non -
Accrual |
|
|
Total Past
Due Loans |
|
|
Current
Loans |
|
|
Total
Loans |
|
|
Accruing
Loans 90 or
More Days
Past Due |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
46 |
|
|
$ |
— |
|
|
$ |
46 |
|
|
$ |
61,406 |
|
|
$ |
61,452 |
|
|
$ |
— |
|
Real estate - commercial |
|
|
— |
|
|
|
173 |
|
|
|
173 |
|
|
|
143,547 |
|
|
|
143,720 |
|
|
|
— |
|
Other real estate construction |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
21,384 |
|
|
|
21,384 |
|
|
|
— |
|
Real estate 1-4 family construction |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
6,906 |
|
|
|
6,906 |
|
|
|
— |
|
Real estate - residential |
|
|
767 |
|
|
|
760 |
|
|
|
1,527 |
|
|
|
73,765 |
|
|
|
75,292 |
|
|
|
— |
|
Home equity |
|
|
211 |
|
|
|
168 |
|
|
|
379 |
|
|
|
50,715 |
|
|
|
51,094 |
|
|
|
— |
|
Consumer loans |
|
|
32 |
|
|
|
— |
|
|
|
32 |
|
|
|
12,674 |
|
|
|
12,706 |
|
|
|
— |
|
Other loans |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
2,012 |
|
|
|
2,012 |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
$ |
1,056 |
|
|
$ |
1,101 |
|
|
$ |
2,157 |
|
|
$ |
372,409 |
|
|
$ |
374,566 |
|
|
$ |
— |
|
December 31, 2018 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Loans
30-89 Days
Past Due |
|
|
Loans
90 Days
or More
Past due
and Non -
Accrual |
|
|
Total Past
Due Loans |
|
|
Current
Loans |
|
|
Total
Loans |
|
|
Accruing
Loans 90 or
More Days
Past Due |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
54 |
|
|
$ |
— |
|
|
$ |
54 |
|
|
$ |
57,122 |
|
|
$ |
57,176 |
|
|
$ |
— |
|
Real estate - commercial |
|
|
— |
|
|
|
273 |
|
|
$ |
273 |
|
|
|
130,361 |
|
|
|
130,634 |
|
|
|
— |
|
Other real estate construction |
|
|
— |
|
|
|
47 |
|
|
$ |
47 |
|
|
|
31,094 |
|
|
|
31,141 |
|
|
|
— |
|
Real estate 1-4 family construction |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
7,805 |
|
|
|
7,805 |
|
|
|
— |
|
Real estate - residential |
|
|
890 |
|
|
|
606 |
|
|
|
1,496 |
|
|
|
74,908 |
|
|
|
76,404 |
|
|
|
— |
|
Home equity |
|
|
100 |
|
|
|
118 |
|
|
|
218 |
|
|
|
52,323 |
|
|
|
52,541 |
|
|
|
— |
|
Consumer loan |
|
|
86 |
|
|
|
— |
|
|
|
86 |
|
|
|
12,073 |
|
|
|
12,159 |
|
|
|
— |
|
Other loans |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
2,110 |
|
|
|
2,110 |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
$ |
1,130 |
|
|
$ |
1,044 |
|
|
$ |
2,174 |
|
|
$ |
367,796 |
|
|
$ |
369,970 |
|
|
$ |
— |
|
|
Composition of Nonaccrual Loans by Class |
The composition of nonaccrual loans by class as of June 30, 2019 and December 31, 2018 is as follows:
|
|
June 30, 2019 |
|
|
December 31, 2018 |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
— |
|
|
$ |
— |
|
Real estate - commercial |
|
|
173 |
|
|
|
273 |
|
Other real estate construction |
|
|
— |
|
|
|
47 |
|
Real estate 1 – 4 family construction |
|
|
— |
|
|
|
— |
|
Real estate – residential |
|
|
760 |
|
|
|
606 |
|
Home equity |
|
|
168 |
|
|
|
118 |
|
Consumer loans |
|
|
— |
|
|
|
— |
|
Other loans |
|
|
— |
|
|
|
— |
|
|
|
$ |
1,101 |
|
|
$ |
1,044 |
|
|
Summary of Risk Grades of Portfolio by Class |
The tables below summarize risk grades of the loan portfolio by class at June 30, 2019 and December 31, 2018:
June 30, 2019 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
|
Watch |
|
|
Sub-
standard |
|
|
Doubtful |
|
|
Total |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
59,495 |
|
|
$ |
1,950 |
|
|
$ |
7 |
|
|
$ |
— |
|
|
$ |
61,452 |
|
Real estate - commercial |
|
|
137,847 |
|
|
|
4,426 |
|
|
|
1,447 |
|
|
|
— |
|
|
|
143,720 |
|
Other real estate construction |
|
|
19,205 |
|
|
|
1,866 |
|
|
|
313 |
|
|
|
— |
|
|
|
21,384 |
|
Real estate 1 - 4 family construction |
|
|
6,906 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
6,906 |
|
Real estate - residential |
|
|
69,949 |
|
|
|
4,315 |
|
|
|
1,028 |
|
|
|
— |
|
|
|
75,292 |
|
Home equity |
|
|
49,986 |
|
|
|
940 |
|
|
|
168 |
|
|
|
— |
|
|
|
51,094 |
|
Consumer loans |
|
|
12,615 |
|
|
|
85 |
|
|
|
6 |
|
|
|
— |
|
|
|
12,706 |
|
Other loans |
|
|
2,012 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
2,012 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
$ |
358,015 |
|
|
$ |
13,582 |
|
|
$ |
2,969 |
|
|
$ |
— |
|
|
$ |
374,566 |
|
December 31, 2018 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Pass |
|
|
Watch |
|
|
Sub-
standard |
|
|
Doubtful |
|
|
Total |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
55,883 |
|
|
$ |
1,284 |
|
|
$ |
9 |
|
|
$ |
— |
|
|
$ |
57,176 |
|
Real estate - commercial |
|
|
127,592 |
|
|
|
1,518 |
|
|
|
1,524 |
|
|
|
— |
|
|
|
130,634 |
|
Other real estate construction |
|
|
28,711 |
|
|
|
2,070 |
|
|
|
360 |
|
|
|
— |
|
|
|
31,141 |
|
Real estate 1 - 4 family construction |
|
|
7,805 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
7,805 |
|
Real estate - residential |
|
|
69,900 |
|
|
|
5,470 |
|
|
|
1,034 |
|
|
|
— |
|
|
|
76,404 |
|
Home equity |
|
|
52,028 |
|
|
|
395 |
|
|
|
118 |
|
|
|
— |
|
|
|
52,541 |
|
Consumer loans |
|
|
12,085 |
|
|
|
73 |
|
|
|
1 |
|
|
|
— |
|
|
|
12,159 |
|
Other loans |
|
|
2,110 |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
2,110 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
$ |
356,114 |
|
|
$ |
10,810 |
|
|
$ |
3,046 |
|
|
$ |
— |
|
|
$ |
369,970 |
|
|
Summary of Performing and Nonperforming Loans by Class |
The following tables show the breakdown between performing and nonperforming loans by class at June 30, 2019 and December 31, 2018:
June 30, 2019 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
Non-
Performing |
|
|
Total |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
61,452 |
|
|
$ |
— |
|
|
$ |
61,452 |
|
Real estate - commercial |
|
|
143,547 |
|
|
|
173 |
|
|
|
143,720 |
|
Other real estate construction |
|
|
21,384 |
|
|
|
— |
|
|
|
21,384 |
|
Real estate 1 – 4 family construction |
|
|
6,906 |
|
|
|
— |
|
|
|
6,906 |
|
Real estate – residential |
|
|
74,532 |
|
|
|
760 |
|
|
|
75,292 |
|
Home equity |
|
|
50,926 |
|
|
|
168 |
|
|
|
51,094 |
|
Consumer loans |
|
|
12,706 |
|
|
|
— |
|
|
|
12,706 |
|
Other loans |
|
|
2,012 |
|
|
|
— |
|
|
|
2,012 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
$ |
373,465 |
|
|
$ |
1,101 |
|
|
$ |
374,566 |
|
December 31, 2018 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Performing |
|
|
Non-
Performing |
|
|
Total |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
57,176 |
|
|
$ |
— |
|
|
$ |
57,176 |
|
Real estate - commercial |
|
|
130,361 |
|
|
|
273 |
|
|
|
130,634 |
|
Other real estate construction |
|
|
31,094 |
|
|
|
47 |
|
|
|
31,141 |
|
Real estate 1 – 4 family construction |
|
|
7,805 |
|
|
|
— |
|
|
|
7,805 |
|
Real estate – residential |
|
|
75,798 |
|
|
|
606 |
|
|
|
76,404 |
|
Home equity |
|
|
52,423 |
|
|
|
118 |
|
|
|
52,541 |
|
Consumer loans |
|
|
12,159 |
|
|
|
— |
|
|
|
12,159 |
|
Other loans |
|
|
2,110 |
|
|
|
— |
|
|
|
2,110 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
$ |
368,926 |
|
|
$ |
1,044 |
|
|
$ |
369,970 |
|
|
Summary of Loans Deemed Impaired and Specific Reserves Allocated by Class |
The tables below summarize the loans deemed impaired and the amount of specific reserves allocated by class at June 30, 2019 and December 31, 2018.
June 30, 2019 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid
Principal
Balance |
|
|
Recorded
Investment
With No
Allowance |
|
|
Recorded
Investment
With
Allowance |
|
|
Related
Allowance |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
5 |
|
|
$ |
— |
|
|
$ |
5 |
|
|
$ |
— |
|
Real estate - commercial |
|
|
1,724 |
|
|
|
536 |
|
|
|
1,188 |
|
|
|
26 |
|
Other real estate construction |
|
|
45 |
|
|
|
— |
|
|
|
45 |
|
|
|
3 |
|
Real estate 1 - 4 family construction |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Real estate - residential |
|
|
3,023 |
|
|
|
1,023 |
|
|
|
2,000 |
|
|
|
97 |
|
Home equity |
|
|
168 |
|
|
|
50 |
|
|
|
118 |
|
|
|
29 |
|
Consumer loans |
|
|
27 |
|
|
|
— |
|
|
|
27 |
|
|
|
— |
|
Other loans |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
$ |
4,992 |
|
|
$ |
1,609 |
|
|
$ |
3,383 |
|
|
$ |
155 |
|
December 31, 2018 |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Unpaid
Principal
Balance |
|
|
Recorded
Investment
With No
Allowance |
|
|
Recorded
Investment
With
Allowance |
|
|
Related
Allowance |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
7 |
|
|
$ |
— |
|
|
$ |
7 |
|
|
$ |
— |
|
Real estate - commercial |
|
|
1,258 |
|
|
|
93 |
|
|
|
1,165 |
|
|
|
38 |
|
Other real estate construction |
|
|
632 |
|
|
|
47 |
|
|
|
47 |
|
|
|
4 |
|
Real estate 1 - 4 family construction |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Real estate - residential |
|
|
3,005 |
|
|
|
901 |
|
|
|
2,104 |
|
|
|
110 |
|
Home equity |
|
|
83 |
|
|
|
51 |
|
|
|
32 |
|
|
|
1 |
|
Consumer loans |
|
|
31 |
|
|
|
— |
|
|
|
31 |
|
|
|
1 |
|
Other loans |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
$ |
5,016 |
|
|
$ |
1,092 |
|
|
$ |
3,386 |
|
|
$ |
154 |
|
|
|
Three Months ended June 30, 2019 |
|
|
Three Months ended June 30, 2018 |
|
|
|
Average
Recorded
Investment |
|
|
Interest
Income |
|
|
Average
Recorded
Investment |
|
|
Interest
Income |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
6 |
|
|
$ |
— |
|
|
$ |
25 |
|
|
$ |
— |
|
Real estate - commercial |
|
|
1,434 |
|
|
|
15 |
|
|
|
1,541 |
|
|
|
15 |
|
Other real estate construction |
|
|
69 |
|
|
|
— |
|
|
|
123 |
|
|
|
— |
|
Real estate 1- 4 family construction |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Real estate - residential |
|
|
2,975 |
|
|
|
33 |
|
|
|
3,540 |
|
|
|
41 |
|
Home equity |
|
|
124 |
|
|
|
3 |
|
|
|
66 |
|
|
|
2 |
|
Consumer loans |
|
|
28 |
|
|
|
— |
|
|
|
38 |
|
|
|
— |
|
Other loans |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
$ |
4,636 |
|
|
$ |
51 |
|
|
$ |
5,333 |
|
|
$ |
58 |
|
|
|
Six Months Ended June 30, 2019 |
|
|
Six Months Ended June 30, 2018 |
|
|
|
Average
Recorded
Investment |
|
|
Interest
Income |
|
|
Average
Recorded
Investment |
|
|
Interest
Income |
|
|
|
(dollars in thousands) |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Commercial |
|
$ |
6 |
|
|
$ |
— |
|
|
$ |
32 |
|
|
$ |
— |
|
Real estate - commercial |
|
|
1,375 |
|
|
|
35 |
|
|
|
1,566 |
|
|
|
30 |
|
Other real estate construction |
|
|
77 |
|
|
|
1 |
|
|
|
132 |
|
|
|
2 |
|
Real estate 1- 4 family construction |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
Real estate - residential |
|
|
2,985 |
|
|
|
72 |
|
|
|
3,598 |
|
|
|
82 |
|
Home equity |
|
|
110 |
|
|
|
4 |
|
|
|
55 |
|
|
|
2 |
|
Consumer loans |
|
|
29 |
|
|
|
1 |
|
|
|
41 |
|
|
|
1 |
|
Other loans |
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
— |
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Total |
|
$ |
4,582 |
|
|
$ |
113 |
|
|
$ |
5,424 |
|
|
$ |
117 |
|
|