Note 4 - Loans/Leases Receivable (Tables)

9 Months Ended

Sep. 30, 2013

Note 4 - Loans/Leases Receivable (Tables) [Line Items]

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

	As of September 30, 2013			As of December 31, 2012
Commercial and industrial loans	$	471,256,974		$	394,244,252
Commercial real estate loans
Owner-occupied commercial real estate		259,500,453			204,911,308
Commercial construction, land development, and other land		49,585,072			44,962,381
Other non owner-occupied commercial real estate		405,615,528			344,105,550
		714,701,053			593,979,239
Direct financing leases *		121,267,997			103,685,656
Residential real estate loans **		150,825,156			115,581,573
Installment and other consumer loans		77,226,363			76,720,514
		1,535,277,543			1,284,211,234
Plus deferred loan/lease origination costs, net of fees		4,106,282			3,176,405
		1,539,383,825			1,287,387,639
Less allowance for estimated losses on loans/leases		(22,062,389	)		(19,925,204	)
	$	1,517,321,436		$	1,267,462,435
* Direct financing leases:
Net minimum lease payments to be received	$	136,848,442		$	117,719,380
Estimated unguaranteed residual values of leased assets		1,775,830			1,095,848
Unearned lease/residual income		(17,356,275	)		(15,129,572	)
		121,267,997			103,685,656
Plus deferred lease origination costs, net of fees		4,514,946			3,907,140
		125,782,943			107,592,796
Less allowance for estimated losses on leases		(2,323,509	)		(1,990,395	)
	$	123,459,434		$	105,602,401

Past Due Financing Receivables [Table Text Block]

	As of September 30, 2013
Classes of Loans/Leases	Current			30-59 Days Past Due			60-89 Days Past Due			Accruing Past Due 90 Days or More			Nonaccrual Loans/Leases			Total
Commercial and Industrial	$	466,597,618		$	1,493,016		$	208,603		$	-		$	2,957,737		$	471,256,974
Commercial Real Estate
Owner-Occupied Commercial Real Estate		257,258,899			41,296			58,933			-			2,141,325			259,500,453
Commercial Construction, Land Development, and Other Land		46,919,007			1,506,409			509,601			59,975			590,080			49,585,072
Other Non Owner-Occupied Commercial Real Estate		391,773,134			515,680			346,985			-			12,979,729			405,615,528
Direct Financing Leases		118,820,384			1,429,405			319,620			-			698,588			121,267,997
Residential Real Estate		148,740,223			346,108			52,029			-			1,686,796			150,825,156
Installment and Other Consumer		76,029,956			100,410			22,876			939			1,072,182			77,226,363
	$	1,506,139,221		$	5,432,324		$	1,518,647		$	60,914		$	22,126,437		$	1,535,277,543
As a percentage of total loan/lease portfolio		98.10	%		0.35	%		0.10	%		0.00	%		1.44	%		100.00	%

	As of December 31, 2012
Classes of Loans/Leases	Current			30-59 Days Past Due			60-89 Days Past Due			Accruing Past Due 90 Days or More			Nonaccrual Loans/Leases			Total
Commercial and Industrial	$	388,825,307		$	3,724,506		$	9,940		$	120,000		$	1,564,499		$	394,244,252
Commercial Real Estate
Owner-Occupied Commercial Real Estate		204,141,070			142,993			-			-			627,245			204,911,308
Commercial Construction, Land Development, and Other Land		42,180,819			-			-			-			2,781,562			44,962,381
Other Non Owner-Occupied Commercial Real Estate		332,644,532			86,986			1,111,856			-			10,262,176			344,105,550
Direct Financing Leases		101,635,084			877,210			174,560			-			998,802			103,685,656
Residential Real Estate		111,993,859			2,254,730			283,466			-			1,049,518			115,581,573
Installment and Other Consumer		75,711,203			301,025			20,112			39,481			648,693			76,720,514
	$	1,257,131,874		$	7,387,450		$	1,599,934		$	159,481		$	17,932,495		$	1,284,211,234
As a percentage of total loan/lease portfolio		97.89	%		0.58	%		0.12	%		0.01	%		1.40	%		100.00	%

Schedule of Nonperforming Loans Leases [Table Text Block]

	As of September 30, 2013
Classes of Loans/Leases	Accruing Past Due 90 Days or More		Nonaccrual Loans/Leases *		Troubled Debt Restructurings - Accruing		Total Nonperforming Loans/Leases		Percentage of Total Nonperforming Loans/Leases
Commercial and Industrial	$	-	$	2,957,737	$	886,165	$	3,843,902		15.42	%
Commercial Real Estate
Owner-Occupied Commercial Real Estate		-		2,141,325		-		2,141,325		8.59	%
Commercial Construction, Land Development, and Other Land		59,975		590,080		300,000		950,055		3.81	%
Other Non Owner-Occupied Commercial Real Estate		-		12,979,729		809,162		13,788,891		55.32	%
Direct Financing Leases		-		698,588		-		698,588		2.80	%
Residential Real Estate		-		1,686,796		373,922		2,060,718		8.27	%
Installment and Other Consumer		939		1,072,182		370,000		1,443,121		5.79	%
	$	60,914	$	22,126,437	$	2,739,249	$	24,926,600		100.00	%

	As of December 31, 2012
Classes of Loans/Leases	Accruing Past Due 90 Days or More		Nonaccrual Loans/Leases **		Troubled Debt Restructurings - Accruing		Total Nonperforming Loans/Leases		Percentage of Total Nonperforming Loans/Leases
Commercial and Industrial	$	120,000	$	1,564,499	$	184,084	$	1,868,583		7.36	%
Commercial Real Estate
Owner-Occupied Commercial Real Estate		-		627,245		-		627,245		2.47	%
Commercial Construction, Land Development, and Other Land		-		2,781,562		1,016,023		3,797,585		14.96	%
Other Non Owner-Occupied Commercial Real Estate		-		10,262,176		5,820,765		16,082,941		63.34	%
Direct Financing Leases		-		998,802		-		998,802		3.93	%
Residential Real Estate		-		1,049,518		167,739		1,217,257		4.79	%
Installment and Other Consumer		39,481		648,693		110,982		799,156		3.15	%
	$	159,481	$	17,932,495	$	7,299,593	$	25,391,569		100.00	%

Allowance for Credit Losses on Financing Receivables [Table Text Block]

	Three Months Ended September 30, 2013
	Commercial and Industrial			Commercial Real Estate			Direct Financing Leases			Residential Real Estate			Installment and Other Consumer			Total
Balance, beginning	$	4,790,828		$	12,190,497		$	2,187,605		$	1,165,341		$	822,108		$	21,156,379
Provisions charged to expense		765,582			88,761			338,984			102,523			71,134			1,366,984
Loans/leases charged off		(214,920	)		(443,721	)		(203,724	)		(13,599	)		(51,673	)		(927,637	)
Recoveries on loans/leases previously charged off		26,034			375,325			644			13,240			51,420			466,663
Balance, ending	$	5,367,524		$	12,210,862		$	2,323,509		$	1,267,505		$	892,989		$	22,062,389

	Three Months Ended September 30, 2012
	Commercial and Industrial			Commercial Real Estate			Direct Financing Leases			Residential Real Estate			Installment and Other Consumer			Total
Balance, beginning	$	4,180,792		$	10,709,991		$	1,610,999		$	986,714		$	1,236,039		$	18,724,535
Provisions charged to expense		136,766			721,358			350,194			233,226			54,650			1,496,194
Loans/leases charged off		(214,036	)		(552,959	)		(111,326	)		(183,031	)		(88,378	)		(1,149,730	)
Recoveries on loans/leases previously charged off		69,959			175,467			35,118			-			65,205			345,749
Balance, ending	$	4,173,481		$	11,053,857		$	1,884,985		$	1,036,909		$	1,267,516		$	19,416,748

	Nine Months Ended September 30, 2013
	Commercial and Industrial			Commercial Real Estate			Direct Financing Leases			Residential Real Estate			Installment and Other Consumer			Total
Balance, beginning	$	4,531,545		$	11,069,502		$	1,990,395		$	1,070,328		$	1,263,434		$	19,925,204
Provisions charged to expense		1,026,073			1,875,132			1,057,744			307,196			(321,242	)		3,944,903
Loans/leases charged off		(253,820	)		(1,264,446	)		(726,395	)		(126,490	)		(192,160	)		(2,563,311	)
Recoveries on loans/leases previously charged off		63,726			530,674			1,765			16,471			142,957			755,593
Balance, ending	$	5,367,524		$	12,210,862		$	2,323,509		$	1,267,505		$	892,989		$	22,062,389

	Nine Months Ended September 30, 2012
	Commercial and Industrial			Commercial Real Estate			Direct Financing Leases			Residential Real Estate			Installment and Other Consumer			Total
Balance, beginning	$	4,878,006		$	10,596,958		$	1,339,496		$	704,946		$	1,269,856		$	18,789,262
Provisions charged to expense		(637,852	)		2,254,732			924,109			519,751			264,369			3,325,109
Loans/leases charged off		(669,778	)		(1,980,946	)		(454,590	)		(187,788	)		(416,179	)		(3,709,281	)
Recoveries on loans/leases previously charged off		603,105			183,113			75,970			-			149,470			1,011,658
Balance, ending	$	4,173,481		$	11,053,857		$	1,884,985		$	1,036,909		$	1,267,516		$	19,416,748

	As of September 30, 2013
	Commercial and Industrial			Commercial Real Estate			Direct Financing Leases			Residential Real Estate			Installment and Other Consumer			Total
Allowance for loans/leases individually evaluated for impairment	$	1,112,008		$	4,987,850		$	134,533		$	206,700		$	52,567		$	6,493,658
Allowance for loans/leases collectively evaluated for impairment		4,255,516			7,223,012			2,188,976			1,060,805			840,422			15,568,731
	$	5,367,524		$	12,210,862		$	2,323,509		$	1,267,505		$	892,989		$	22,062,389
Loans/leases individually evaluated for impairment	$	2,574,217		$	16,517,483		$	698,588		$	2,060,718		$	1,442,182		$	23,293,188
Loans/leases collectively evaluated for impairment		468,682,757			698,183,570			120,569,409			148,764,438			75,784,181			1,511,984,355
	$	471,256,974		$	714,701,053		$	121,267,997		$	150,825,156		$	77,226,363		$	1,535,277,543
Allowance as a percentage of loans/leases individually evaluated for impairment		43.20	%		30.20	%		19.26	%		10.03	%		3.64	%		27.88	%
Allowance as a percentage of loans/leases collectively evaluated for impairment		0.91	%		1.03	%		1.82	%		0.71	%		1.11	%		1.03	%
		1.14	%		1.71	%		1.92	%		0.84	%		1.16	%		1.43	%

	As of December 31, 2012
	Commercial and Industrial			Commercial Real Estate			Direct Financing Leases			Residential Real Estate			Installment and Other Consumer			Total
Allowance for loans/leases individually evaluated for impairment	$	280,170		$	4,005,042		$	125,000		$	105,565		$	71,992		$	4,587,769
Allowance for loans/leases collectively evaluated for impairment		4,251,375			7,064,460			1,865,395			964,763			1,191,442			15,337,435
	$	4,531,545		$	11,069,502		$	1,990,395		$	1,070,328		$	1,263,434		$	19,925,204
Loans/leases individually evaluated for impairment	$	1,006,952		$	20,383,846		$	998,802		$	1,217,256		$	687,355		$	24,294,211
Loans/leases collectively evaluated for impairment		393,237,300			573,595,393			102,686,854			114,364,317			76,033,159			1,259,917,023
	$	394,244,252		$	593,979,239		$	103,685,656		$	115,581,573		$	76,720,514		$	1,284,211,234
Allowance as a percentage of loans/leases individually evaluated for impairment		27.82	%		19.65	%		12.51	%		8.67	%		10.47	%		18.88	%
Allowance as a percentage of loans/leases collectively evaluated for impairment		1.08	%		1.23	%		1.82	%		0.84	%		1.57	%		1.22	%
		1.15	%		1.86	%		1.92	%		0.93	%		1.65	%		1.55	%

Impaired Financing Receivables [Table Text Block]

Classes of Loans/Leases	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized		Interest Income Recognized for Cash Payments Received
Impaired Loans/Leases with No Specific Allowance Recorded:
Commercial and Industrial	$	701,450	$	1,108,661	$	-	$	796,262	$	5,811	$	5,811
Commercial Real Estate
Owner-Occupied Commercial Real Estate		705,653		705,653		-		1,517,083		-		-
Commercial Construction, Land Development, and Other Land		1,760,962		1,760,962		-		2,031,439		-		-
Other Non Owner-Occupied Commercial Real Estate		1,584,704		1,584,704		-		2,807,422		41,127		41,127
Direct Financing Leases		460,298		460,298		-		812,758		-		-
Residential Real Estate		1,404,241		1,404,241		-		1,033,428		-		-
Installment and Other Consumer		1,004,643		1,004,643		-		863,712		6,801		6,801
	$	7,621,951	$	8,029,162	$	-	$	9,862,104	$	53,739	$	53,739
Impaired Loans/Leases with Specific Allowance Recorded:
Commercial and Industrial	$	1,872,767	$	1,886,717	$	1,112,008	$	1,044,843	$	24,647	$	24,647
Commercial Real Estate
Owner-Occupied Commercial Real Estate		1,325,513		2,170,954		461,491		633,230		-		-
Commercial Construction, Land Development, and Other Land		1,882,762		1,882,762		1,842,784		1,874,976		7,411		7,411
Other Non Owner-Occupied Commercial Real Estate		9,257,889		9,510,848		2,683,575		8,673,807		30,957		30,957
Direct Financing Leases		238,290		238,290		134,533		89,468		-		-
Residential Real Estate		656,477		656,477		206,700		410,364		801		801
Installment and Other Consumer		437,539		437,539		52,567		334,233		-		-
	$	15,671,237	$	16,783,587	$	6,493,658	$	13,060,921	$	63,816	$	63,816
Total Impaired Loans/Leases:
Commercial and Industrial	$	2,574,217	$	2,995,378	$	1,112,008	$	1,841,105	$	30,458	$	30,458
Commercial Real Estate
Owner-Occupied Commercial Real Estate		2,031,166		2,876,607		461,491		2,150,313		-		-
Commercial Construction, Land Development, and Other Land		3,643,724		3,643,724		1,842,784		3,906,415		7,411		7,411
Other Non Owner-Occupied Commercial Real Estate		10,842,593		11,095,552		2,683,575		11,481,229		72,084		72,084
Direct Financing Leases		698,588		698,588		134,533		902,226		-		-
Residential Real Estate		2,060,718		2,060,718		206,700		1,443,792		801		801
Installment and Other Consumer		1,442,182		1,442,182		52,567		1,197,945		6,801		6,801
	$	23,293,188	$	24,812,749	$	6,493,658	$	22,923,025	$	117,555	$	117,555

	Three Months Ended September 30, 2013						Three Months Ended September 30, 2012
Classes of Loans/Leases	Average Recorded Investment		Interest Income Recognized		Interest Income Recognized for Cash Payments Received		Average Recorded Investment		Interest Income Recognized		Interest Income Recognized for Cash Payments Received
Impaired Loans/Leases with No Specific Allowance Recorded:
Commercial and Industrial	$	834,405	$	1,950	$	1,950	$	754,844	$	-	$	-
Commercial Real Estate
Owner-Occupied Commercial Real Estate		2,295,969		-		-		550,725		-		-
Commercial Construction, Land Development, and Other Land		1,943,718		-		-		1,323,689		1,701		1,701
Other Non Owner-Occupied Commercial Real Estate		1,739,053		354		354		5,798,404		-		-
Direct Financing Leases		527,153		-		-		680,817		-		-
Residential Real Estate		1,273,943		-		-		943,926		1,691		1,691
Installment and Other Consumer		1,012,035		1,689		1,689		1,063,519		121		121
	$	9,626,276	$	3,993	$	3,993	$	11,115,924	$	3,513	$	3,513
Impaired Loans/Leases with Specific Allowance Recorded:
Commercial and Industrial	$	1,913,841	$	9,340	$	9,340	$	223,917	$	1,984	$	1,984
Commercial Real Estate
Owner-Occupied Commercial Real Estate		1,181,798		-		-		-		-		-
Commercial Construction, Land Development, and Other Land		1,897,759		1,992		1,992		2,157,696		-		-
Other Non Owner-Occupied Commercial Real Estate		8,893,535		26,484		26,484		12,036,134		86,744		86,744
Direct Financing Leases		172,428		-		-		210,299		-		-
Residential Real Estate		561,752		801		801		524,031		-		-
Installment and Other Consumer		422,808		-		-		68,898		-		-
	$	15,043,921	$	38,617	$	38,617	$	15,220,975	$	88,728	$	88,728
Total Impaired Loans/Leases:
Commercial and Industrial	$	2,748,246	$	11,290	$	11,290	$	978,761	$	1,984	$	1,984
Commercial Real Estate
Owner-Occupied Commercial Real Estate		3,477,767		-		-		550,725		-		-
Commercial Construction, Land Development, and Other Land		3,841,477		1,992		1,992		3,481,385		1,701		1,701
Other Non Owner-Occupied Commercial Real Estate		10,632,588		26,838		26,838		17,834,538		86,744		86,744
Direct Financing Leases		699,581		-		-		891,116		-		-
Residential Real Estate		1,835,695		801		801		1,467,957		1,691		1,691
Installment and Other Consumer		1,434,843		1,689		1,689		1,132,417		121		121
	$	24,670,197	$	42,610	$	42,610	$	26,336,899	$	92,241	$	92,241

Classes of Loans/Leases	Recorded Investment		Unpaid Principal Balance		Related Allowance
Impaired Loans/Leases with No Specific Allowance Recorded:
Commercial and Industrial	$	438,355	$	1,203,710	$	-
Commercial Real Estate
Owner-Occupied Commercial Real Estate		503,321		503,321		-
Commercial Construction, Land Development, and Other Land		678,523		678,523		-
Other Non Owner-Occupied Commercial Real Estate		495,702		495,702		-
Direct Financing Leases		777,645		777,645		-
Residential Real Estate		944,211		1,127,242		-
Installment and Other Consumer		534,368		534,368		-
	$	4,372,125	$	5,320,511	$	-
Impaired Loans/Leases with Specific Allowance Recorded:
Commercial and Industrial	$	568,597	$	590,849	$	280,170
Commercial Real Estate
Owner-Occupied Commercial Real Estate		-		-		-
Commercial Construction, Land Development, and Other Land		3,967,583		3,967,583		1,105,795
Other Non Owner-Occupied Commercial Real Estate		14,738,717		14,991,676		2,899,247
Direct Financing Leases		221,157		221,157		125,000
Residential Real Estate		273,045		273,045		105,565
Installment and Other Consumer		152,987		152,987		71,992
	$	19,922,086	$	20,197,297	$	4,587,769
Total Impaired Loans/Leases:
Commercial and Industrial	$	1,006,952	$	1,794,559	$	280,170
Commercial Real Estate
Owner-Occupied Commercial Real Estate		503,321		503,321		-
Commercial Construction, Land Development, and Other Land		4,646,106		4,646,106		1,105,795
Other Non Owner-Occupied Commercial Real Estate		15,234,419		15,487,378		2,899,247
Direct Financing Leases		998,802		998,802		125,000
Residential Real Estate		1,217,256		1,400,287		105,565
Installment and Other Consumer		687,355		687,355		71,992
	$	24,294,211	$	25,517,808	$	4,587,769

Financing Receivable Credit Quality Indicators [Table Text Block]

	As of September 30, 2013
			Commercial Real Estate
					Non Owner-Occupied
Internally Assigned Risk Rating	Commercial and Industrial		Owner-Occupied Commercial Real Estate		Commercial Construction, Land Development, and Other Land		Other Commercial Real Estate		Total
Pass (Ratings 1 through 5)	$	445,104,945	$	249,985,030	$	36,776,727	$	374,036,916	$	1,105,903,618
Special Mention (Rating 6)		11,374,381		3,261,364		5,292,606		9,717,356		29,645,707
Substandard (Rating 7)		14,733,895		6,095,333		7,515,739		21,861,256		50,206,223
Doubtful (Rating 8)		43,753		158,726		-		-		202,479
	$	471,256,974	$	259,500,453	$	49,585,072	$	405,615,528	$	1,185,958,027

	As of December 31, 2012
			Commercial Real Estate
					Non Owner-Occupied
Internally Assigned Risk Rating	Commercial and Industrial		Owner-Occupied Commercial Real Estate		Commercial Construction, Land Development, and Other Land		Other Commercial Real Estate		Total
Pass (Ratings 1 through 5)	$	371,856,380	$	195,567,523	$	38,125,793	$	312,370,393	$	917,920,089
Special Mention (Rating 6)		8,008,866		5,488,602		1,238,152		7,319,902		22,055,522
Substandard (Rating 7)		14,379,006		3,855,183		5,598,436		24,415,255		48,247,880
Doubtful (Rating 8)		-		-		-		-		-
	$	394,244,252	$	204,911,308	$	44,962,381	$	344,105,550	$	988,223,491

Schedule of Credit Losses Related to Financing Receivables, Current and Noncurrent [Table Text Block]

	As of September 30, 2013
Delinquency Status *	Direct Financing Leases		Residential Real Estate		Installment and Other Consumer		Total
Performing	$	120,569,409	$	148,764,438	$	75,783,242	$	345,117,089
Nonperforming		698,588		2,060,718		1,443,121		4,202,427
	$	121,267,997	$	150,825,156	$	77,226,363	$	349,319,516

	As of December 31, 2012
Delinquency Status *	Direct Financing Leases		Residential Real Estate		Installment and Other Consumer		Total
Performing	$	102,686,854	$	114,364,316	$	75,921,358	$	292,972,528
Nonperforming		998,802		1,217,257		799,156		3,015,215
	$	103,685,656	$	115,581,573	$	76,720,514	$	295,987,743

Three Months Ended [Member]

Note 4 - Loans/Leases Receivable (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	For the three months ended September 30, 2013								For the three months ended September 30, 2012
Classes of Loans/Leases	Number of Loans / Leases		Pre-Modification Recorded Investment		Post-Modification Recorded Investment		Specific Allowance		Number of Loans / Leases		Pre-Modification Recorded Investment		Post-Modification Recorded Investment		Specific Allowance
CONCESSION - Extension of maturity
Owner-Occupied Commercial Real Estate		1	$	61,517	$	61,517	$	-		-	$	-	$	-	$	-
Other Non Owner-Occupied Commercial Real Estate		7		6,637,835		6,637,835		1,518,303		4		1,184,289		1,184,289		325,923
		8	$	6,699,352	$	6,699,352	$	1,518,303		4	$	1,184,289	$	1,184,289	$	325,923
CONCESSION - Interest rate adjusted below market
Other Non Owner-Occupied Commercial Real Estate		-	$	-	$	-	$	-		2	$	1,542,784	$	1,289,825	$	55,187
Residential Real Estate		1		79,661		79,661		24,408		-		-		-		-
		1	$	79,661	$	79,661	$	24,408		-	$	-	$	-	$	-
TOTAL		9	$	6,779,013	$	6,779,013	$	1,542,711		4	$	1,184,289	$	1,184,289	$	325,923

Nine Months Ended [Member]

Note 4 - Loans/Leases Receivable (Tables) [Line Items]

Troubled Debt Restructurings on Financing Receivables [Table Text Block]

	For the nine months ended September 30, 2013								For the nine months ended September 30, 2012
Classes of Loans/Leases	Number of Loans / Leases		Pre-Modification Recorded Investment		Post-Modification Recorded Investment		Specific Allowance		Number of Loans / Leases		Pre-Modification Recorded Investment		Post-Modification Recorded Investment		Specific Allowance
CONCESSION - Extension of maturity
Commercial and Industrial		3	$	809,494	$	809,494	$	188,700		-	$	-	$	-	$	-
Owner-Occupied Commercial Real Estate		1		61,517		61,517		-		-		-		-		-
Other Non Owner-Occupied Commercial Real Estate		7		6,637,835		6,637,835		1,518,303		4		1,184,289		1,184,289		325,923
		11	$	7,508,846	$	7,508,846	$	1,707,003		4	$	1,184,289	$	1,184,289	$	325,923
CONCESSION - Significant payment delay
Owner-Occupied Commercial Real Estate		1	$	47,958	$	47,958	$	-		-	$	-	$	-	$	-
Residential Real Estate		1		91,581		91,581		-		-		-		-		-
Installment and Other Consumer		1		370,000		370,000		-		-		-		-		-
Commercial Construction, Land Development, and Other Land		-		-		-		-		2		200,000		200,000		144,000
		3	$	509,539	$	509,539	$	-		2	$	200,000	$	200,000	$	144,000
CONCESSION - Interest rate adjusted below market
Commercial Construction, Land Development, and Other Land		1	$	337,500	$	337,500	$	-		1	$	337,500	$	337,500	$	-
Other Non Owner-Occupied Commercial Real Estate		-		-		-		-		2		1,542,784		1,289,825		55,187
Residential Real Estate		2		240,288		240,288		24,408		1		167,739		167,739		-
Installment and Other Consumer		-		-		-		-		1		16,043		16,043		-
		3	$	577,788	$	577,788	$	24,408		5	$	2,064,066	$	1,811,107	$	55,187
TOTAL		17	$	8,596,173	$	8,596,173	$	1,731,411		11	$	3,448,355	$	3,195,396	$	525,110