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Loans (Tables) | 12 Months Ended
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Dec. 31, 2014
Loans |
Schedule of major classifications of loans |
|  | 2014 |  | 2013 |
Commercial |  | $ | 119,158 |  | $ | 94,736 |
Real estate - commercial |  |  | 600,629 |  |  | 560,233 |
Real estate - construction |  |  | 44,795 |  |  | 29,351 |
Real estate - residential |  |  | 370,191 |  |  | 390,201 |
Consumer |  |  | 3,504 |  |  | 2,760 |
Overdraft |  |  | 649 |  |  | 628 |
Lease financing receivables |  |  | 8,038 |  |  | 10,069 |
Other |  |  | 11,630 |  |  | 12,793 |
|  |  | 1,158,594 |  |  | 1,100,771 |
Net deferred loan fees |  |  | 738 |  |  | 485 |
|  | $ | 1,159,332 |  | $ | 1,101,256 |
Schedule of aged analysis of past due loans by class of loans |
. |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90 days or
|  |  |  |  |  |  |  | 90 Days or |  |  |  |  |  |  |  |  |  |  |  |  |  | Greater Past
|  | 30-59 Days |  | 60-89 Days |  | Greater Past |  | Total Past |  |  |  |  |  |  |  |  |  |  | Due and
December 31, 2014 |  | Past |  | Past Due |  | Due |  | Due |  | Current |  | Nonaccrual |  | Total Loans |  | Accruing
Commercial |  | $ | 38 |  | $ | - |  | $ | - |  | $ | 38 |  | $ | 125,658 |  | $ | 1,500 |  | $ | 127,196 |  | $ | -
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 699 |  |  | - |  |  | - |  |  | 699 |  |  | 126,029 |  |  | 5,937 |  |  | 132,665 |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 167,874 |  |  | 1,441 |  |  | 169,315 |  |  | -
Non-owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 153,328 |  |  | 4,907 |  |  | 158,235 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 87,054 |  |  | 1,423 |  |  | 88,477 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 37,780 |  |  | - |  |  | 37,780 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 14,157 |  |  | - |  |  | 14,157 |  |  | -
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,204 |  |  | - |  |  | 3,204 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,658 |  |  | - |  |  | 1,658 |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 13,431 |  |  | - |  |  | 13,431 |  |  | -
All other |  |  | 71 |  |  | 29 |  |  | - |  |  | 100 |  |  | 25,841 |  |  | 561 |  |  | 26,502 |  |  | -
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 135,273 |  |  | 1,942 |  |  | 137,215 |  |  | -
Owner occupied |  |  | 1,076 |  |  | 914 |  |  | - |  |  | 1,990 |  |  | 107,727 |  |  | 6,711 |  |  | 116,428 |  |  | -
Revolving and junior liens |  |  | 94 |  |  | 44 |  |  | - |  |  | 138 |  |  | 113,906 |  |  | 2,504 |  |  | 116,548 |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,504 |  |  | - |  |  | 3,504 |  |  | -
All other 1 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 13,017 |  |  | - |  |  | 13,017 |  |  | -
|  | $ | 1,978 |  | $ | 987 |  | $ | - |  | $ | 2,965 |  | $ | 1,129,441 |  | $ | 26,926 |  | $ | 1,159,332 |  | $ | -
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Recorded
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Investment
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 90 days or
|  |  |  |  |  |  |  | 90 Days or |  |  |  |  |  |  |  |  |  |  |  |  |  | Greater Past
|  | 30-59 Days |  | 60-89 Days |  | Greater Past |  | Total Past |  |  |  |  |  |  |  |  |  |  | Due and
December 31, 2013 |  | Past |  | Past Due |  | Due |  | Due |  | Current |  | Nonaccrual |  | Total Loans |  | Accruing
Commercial |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 104,778 |  | $ | 27 |  | $ | 104,805 |  | $ | -
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 290 |  |  | 526 |  |  | - |  |  | 816 |  |  | 117,938 |  |  | 3,180 |  |  | 121,934 |  |  | -
Owner occupied special purpose |  |  | 511 |  |  | - |  |  | - |  |  | 511 |  |  | 164,277 |  |  | 7,671 |  |  | 172,459 |  |  | -
Non-owner occupied general purpose |  |  | 218 |  |  | - |  |  | - |  |  | 218 |  |  | 132,331 |  |  | 5,708 |  |  | 138,257 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 73,325 |  |  | 661 |  |  | 73,986 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 34,034 |  |  | 3,144 |  |  | 37,178 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 16,419 |  |  | - |  |  | 16,419 |  |  | -
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,515 |  |  | 168 |  |  | 3,683 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 4,436 |  |  | 209 |  |  | 4,645 |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 11,235 |  |  | 1,913 |  |  | 13,148 |  |  | -
All other |  |  | 32 |  |  | - |  |  | - |  |  | 32 |  |  | 7,404 |  |  | 439 |  |  | 7,875 |  |  | -
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 581 |  |  | 171 |  |  | - |  |  | 752 |  |  | 140,926 |  |  | 6,615 |  |  | 148,293 |  |  | -
Owner occupied |  |  | 4,414 |  |  | 308 |  |  | 87 |  |  | 4,809 |  |  | 106,184 |  |  | 5,967 |  |  | 116,960 |  |  | 87
Revolving and junior liens |  |  | 650 |  |  | 76 |  |  | - |  |  | 726 |  |  | 121,013 |  |  | 3,209 |  |  | 124,948 |  |  | -
Consumer |  |  | 5 |  |  | - |  |  | - |  |  | 5 |  |  | 2,755 |  |  | - |  |  | 2,760 |  |  | -
All other 1 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 13,906 |  |  | - |  |  | 13,906 |  |  | -
|  | $ | 6,701 |  | $ | 1,081 |  | $ | 87 |  | $ | 7,869 |  | $ | 1,054,476 |  | $ | 38,911 |  | $ | 1,101,256 |  | $ | 87
1. The “All other” class includes overdrafts and net deferred loan fees and costs.
Schedule of credit quality indicators by class of loans |
December 31, 2014 |  |  |  |  | Special |  |  |  |  |  |  |  |  |
|  | Pass |  | Mention |  | Substandard 1 |  | Doubtful |  | Total
Commercial |  | $ | 118,845 |  | $ | 3,948 |  | $ | 4,403 |  | $ | - |  | $ | 127,196
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 124,936 |  |  | 253 |  |  | 7,476 |  |  | - |  |  | 132,665
Owner occupied special purpose |  |  | 154,225 |  |  | 11,607 |  |  | 3,483 |  |  | - |  |  | 169,315
Non-owner occupied general purpose |  |  | 148,212 |  |  | 3,235 |  |  | 6,788 |  |  | - |  |  | 158,235
Non-owner occupied special purpose |  |  | 78,957 |  |  | 8,097 |  |  | 1,423 |  |  | - |  |  | 88,477
Retail Properties |  |  | 36,779 |  |  | 1,001 |  |  | - |  |  | - |  |  | 37,780
Farm |  |  | 14,157 |  |  | - |  |  | - |  |  | - |  |  | 14,157
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 3,204 |  |  | - |  |  | - |  |  | - |  |  | 3,204
Land |  |  | 1,658 |  |  | - |  |  | - |  |  | - |  |  | 1,658
Commercial speculative |  |  | 9,947 |  |  | - |  |  | 3,484 |  |  | - |  |  | 13,431
All other |  |  | 25,941 |  |  | - |  |  | 561 |  |  | - |  |  | 26,502
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 134,952 |  |  | - |  |  | 2,263 |  |  | - |  |  | 137,215
Owner occupied |  |  | 109,085 |  |  | - |  |  | 7,343 |  |  | - |  |  | 116,428
Revolving and junior liens |  |  | 112,647 |  |  | 188 |  |  | 3,713 |  |  | - |  |  | 116,548
Consumer |  |  | 3,503 |  |  | - |  |  | 1 |  |  | - |  |  | 3,504
All other |  |  | 13,017 |  |  | - |  |  | - |  |  | - |  |  | 13,017
Total |  | $ | 1,090,065 |  | $ | 28,329 |  | $ | 40,938 |  | $ | - |  | $ | 1,159,332
December 31, 2013 |  |  |  |  | Special |  |  |  |  |  |  |  |  |
|  | Pass |  | Mention |  | Substandard 1 |  | Doubtful |  | Total
Commercial |  | $ | 96,371 |  | $ | 7,953 |  | $ | 481 |  | $ | - |  | $ | 104,805
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 105,683 |  |  | 9,048 |  |  | 7,203 |  |  | - |  |  | 121,934
Owner occupied special purpose |  |  | 162,586 |  |  | 1,968 |  |  | 7,905 |  |  | - |  |  | 172,459
Non-owner occupied general purpose |  |  | 122,844 |  |  | 1,826 |  |  | 13,587 |  |  | - |  |  | 138,257
Non-owner occupied special purpose |  |  | 59,674 |  |  | 9,840 |  |  | 4,472 |  |  | - |  |  | 73,986
Retail Properties |  |  | 30,059 |  |  | 2,989 |  |  | 4,130 |  |  | - |  |  | 37,178
Farm |  |  | 16,419 |  |  | - |  |  | - |  |  | - |  |  | 16,419
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 1,745 |  |  | 1,770 |  |  | 168 |  |  | - |  |  | 3,683
Land |  |  | 4,436 |  |  | - |  |  | 209 |  |  | - |  |  | 4,645
Commercial speculative |  |  | 7,674 |  |  | 3,561 |  |  | 1,913 |  |  | - |  |  | 13,148
All other |  |  | 7,109 |  |  | 32 |  |  | 734 |  |  | - |  |  | 7,875
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 135,136 |  |  | 3,407 |  |  | 9,750 |  |  | - |  |  | 148,293
Owner occupied |  |  | 109,261 |  |  | - |  |  | 7,699 |  |  | - |  |  | 116,960
Revolving and junior liens |  |  | 120,589 |  |  | 388 |  |  | 3,971 |  |  | - |  |  | 124,948
Consumer |  |  | 2,759 |  |  | - |  |  | 1 |  |  | - |  |  | 2,760
All other |  |  | 13,906 |  |  | - |  |  | - |  |  | - |  |  | 13,906
Total |  | $ | 996,251 |  | $ | 42,782 |  | $ | 62,223 |  | $ | - |  | $ | 1,101,256
1 The substandard credit quality indicator includes both potential problem loans that are currently performing and nonperforming loans
Schedule of impaired loans by class of loan |
|  | December 31, 2014 |  | December 31, 2013
|  |  |  |  | Unpaid |  |  |  |  |  |  | Unpaid |  |
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Principal |  | Related
|  | Investment |  | Balance |  | Allowance |  | Investment |  | Balance |  | Allowance
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,500 |  | $ | 2,114 |  | $ | - |  | $ | 27 |  | $ | 34 |  | $ | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 7,125 |  |  | 7,870 |  |  | - |  |  | 2,543 |  |  | 3,006 |  |  | -
Owner occupied special purpose |  |  | 1,798 |  |  | 1,941 |  |  | - |  |  | 3,371 |  |  | 4,117 |  |  | -
Non-owner occupied general purpose |  |  | 4,831 |  |  | 5,653 |  |  | - |  |  | 5,428 |  |  | 6,709 |  |  | -
Non-owner occupied special purpose |  |  | 1,423 |  |  | 1,930 |  |  | - |  |  | 661 |  |  | 919 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | 3,144 |  |  | 3,811 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 1,791 |  |  | 1,791 |  |  | - |  |  | 2,016 |  |  | 2,016 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | 209 |  |  | 308 |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | 738 |  |  | 742 |  |  | -
All other |  |  | 291 |  |  | 323 |  |  | - |  |  | 4 |  |  | 35 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 2,595 |  |  | 3,024 |  |  | - |  |  | 5,984 |  |  | 8,338 |  |  | -
Owner occupied |  |  | 11,419 |  |  | 12,816 |  |  | - |  |  | 9,179 |  |  | 10,451 |  |  | -
Revolving and junior liens |  |  | 2,238 |  |  | 3,541 |  |  | - |  |  | 1,771 |  |  | 2,313 |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with no recorded allowance |  |  | 35,011 |  |  | 41,003 |  |  | - |  |  | 35,075 |  |  | 42,799 |  |  | -
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | 730 |  |  | 792 |  |  | 264
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | 4,300 |  |  | 4,702 |  |  | 759
Non-owner occupied general purpose |  |  | 76 |  |  | 76 |  |  | 21 |  |  | 939 |  |  | 1,030 |  |  | 129
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | 168 |  |  | 604 |  |  | 76
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | 1,175 |  |  | 1,808 |  |  | 17
All other |  |  | 270 |  |  | 306 |  |  | 98 |  |  | 436 |  |  | 468 |  |  | 262
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 135 |  |  | 145 |  |  | 24 |  |  | 684 |  |  | 913 |  |  | 160
Owner occupied |  |  | 23 |  |  | 65 |  |  | 38 |  |  | 1,565 |  |  | 1,831 |  |  | 170
Revolving and junior liens |  |  | 371 |  |  | 405 |  |  | 97 |  |  | 1,498 |  |  | 1,848 |  |  | 558
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 875 |  |  | 997 |  |  | 278 |  |  | 11,495 |  |  | 13,996 |  |  | 2,395
Total impaired loans |  | $ | 35,886 |  | $ | 42,000 |  | $ | 278 |  | $ | 46,570 |  | $ | 56,795 |  | $ | 2,395
Average recorded investment and interest income recognized on impaired loans by class of loan for the years ending December 31, were as follows:
|  | Year to date |  | Year to date |  | Year to date
|  | December 31, 2014 |  | December 31, 2013 |  | December 31, 2012
|  | Average |  | Interest |  | Average |  | Interest |  | Average |  | Interest
|  | Recorded |  | Income |  | Recorded |  | Income |  | Recorded |  | Income
|  | Investment |  | Recognized |  | Investment |  | Recognized |  | Investment |  | Recognized
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 764 |  | $ | - |  | $ | 112 |  | $ | - |  | $ | 354 |  | $ | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 4,834 |  |  | 104 |  |  | 3,508 |  |  | 3 |  |  | 4,616 |  |  | -
Owner occupied special purpose |  |  | 2,584 |  |  | 45 |  |  | 5,275 |  |  | - |  |  | 9,893 |  |  | -
Non-owner occupied general purpose |  |  | 5,130 |  |  | - |  |  | 9,892 |  |  | 75 |  |  | 11,329 |  |  | 270
Non-owner occupied special purpose |  |  | 1,042 |  |  | - |  |  | 569 |  |  | - |  |  | 928 |  |  | -
Retail properties |  |  | 1,572 |  |  | - |  |  | 5,962 |  |  | - |  |  | 6,683 |  |  | -
Farm |  |  | - |  |  | - |  |  | 1,259 |  |  | - |  |  | 1,798 |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 1,903 |  |  | 82 |  |  | 3,085 |  |  | 97 |  |  | 7,413 |  |  | 119
Land |  |  | 105 |  |  | - |  |  | 232 |  |  | - |  |  | 1,140 |  |  | -
Commercial speculative |  |  | 369 |  |  | - |  |  | 1,501 |  |  | - |  |  | 5,907 |  |  | -
All other |  |  | 147 |  |  | - |  |  | 41 |  |  | - |  |  | 2,193 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 4,290 |  |  | 43 |  |  | 5,576 |  |  | - |  |  | 4,075 |  |  | -
Owner occupied |  |  | 10,299 |  |  | 187 |  |  | 9,284 |  |  | 209 |  |  | 10,635 |  |  | 249
Revolving and junior liens |  |  | 2,004 |  |  | 6 |  |  | 1,570 |  |  | 6 |  |  | 1,428 |  |  | 4
Consumer |  |  | - |  |  | - |  |  | 11 |  |  | - |  |  | 11 |  |  | -
Total impaired loans with no recorded allowance |  |  | 35,043 |  |  | 467 |  |  | 47,877 |  |  | 390 |  |  | 68,403 |  |  | 642
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  | - |  |  | 283 |  |  | - |  |  | 610 |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 365 |  |  | - |  |  | 872 |  |  | - |  |  | 4,499 |  |  | -
Owner occupied special purpose |  |  | 2,150 |  |  | - |  |  | 4,277 |  |  | - |  |  | 4,106 |  |  | -
Non-owner occupied general purpose |  |  | 508 |  |  | - |  |  | 1,859 |  |  | - |  |  | 5,588 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 217 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | 876 |  |  | - |  |  | 6,531 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 248 |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 84 |  |  | - |  |  | 97 |  |  | - |  |  | 1,115 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | 587 |  |  | - |  |  | 2,748 |  |  | - |  |  | 4,495 |  |  | -
All other |  |  | 353 |  |  | - |  |  | 458 |  |  | - |  |  | 430 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 410 |  |  | - |  |  | 2,713 |  |  | - |  |  | 8,514 |  |  | -
Owner occupied |  |  | 794 |  |  | 1 |  |  | 3,737 |  |  | - |  |  | 7,141 |  |  | 40
Revolving and junior liens |  |  | 934 |  |  | - |  |  | 1,981 |  |  | - |  |  | 1,908 |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 6,185 |  |  | 1 |  |  | 19,901 |  |  | - |  |  | 45,402 |  |  | 40
Total impaired loans |  | $ | 41,228 |  | $ | 468 |  | $ | 67,778 |  | $ | 390 |  | $ | 113,805 |  | $ | 682
Schedule of TDRs modified during the period by type of modification |
|  | TDR Modifications |
|  | Twelve months ended December 31, 2014 |
|  | # of |  | Pre-modification |  | Post-modification |
|  | contracts |  | recorded investment |  | recorded investment |
Troubled debt restructurings |  |  |  |  |  |  |  |  |
Real estate - commercial |  |  |  |  |  |  |  |  |
Other 1 |  | 2 |  | $ | 1,320 |  | $ | 1,106 |
Bifurcate 2 |  | 1 |  |  | 675 |  |  | 357 |
Real estate - residential |  |  |  |  |  |  |  |  |
Investor |  |  |  |  |  |  |  |  |
Other 1 |  | 2 |  |  | 237 |  |  | 221 |
Owner occupied |  |  |  |  |  |  |  |  |
Other 1 |  | 1 |  |  | 136 |  |  | 133 |
HAMP 3 |  | 2 |  |  | 250 |  |  | 218 |
Deferral 4 |  | 2 |  |  | 344 |  |  | 224 |
Revolving and junior liens |  |  |  |  |  |  |  |  |
Other 1 |  | 5 |  |  | 343 |  |  | 334 |
|  | 15 |  | $ | 3,305 |  | $ | 2,593 |
|  | TDR Modifications |
|  | Twelve months ended December 31, 2013 |
|  | # of |  | Pre-modification |  | Post-modification |
|  | contracts |  | recorded investment |  | recorded investment |
Troubled debt restructurings |  |  |  |  |  |  |  |  |
Real estate - commercial |  |  |  |  |  |  |  |  |
Deferral 4 |  | 1 |  | $ | 610 |  | $ | 433 |
Real estate - residential |  |  |  |  |  |  |  |  |
Investor |  |  |  |  |  |  |  |  |
Other 1 |  | 1 |  |  | 54 |  |  | 54 |
Owner occupied |  |  |  |  |  |  |  |  |
Deferral 4 |  | 1 |  |  | 137 |  |  | 136 |
|  | 3 |  | $ | 801 |  | $ | 623 |
1 Other: Change of terms from bankruptcy court 2 Bifurcate: Refers to an “A/B” restructure separated into two notes, charging off the entire B portion of the note. 3 HAMP: Home Affordable Modification Program 4 Deferral: Refers to the deferral of principal
Schedule of TDRs that subsequently defaulted |
|  | TDR Default Activity |  | TDR Default Activity
|  | Twelve months ended December 31, 2014 |  | Twelve months ended December 31, 2013
Troubled debt restructurings that |  | # of |  | Pre-modification outstanding |  | # of |  | Pre-modification outstanding
Subsequently Defaulted |  | contracts |  | recorded investment |  | contracts |  | recorded investment
Real estate - commercial |  |  |  |  |  |  |  |  |  |
Owner occupied special purpose |  | - |  | $ | - |  | 1 |  | $ | 610
Real estate - residential |  |  |  |  |  |  |  |  |  |
Investor |  | - |  |  | - |  | 1 |  |  | 155
Owner occupied |  | 1 |  |  | 137 |  | 2 |  |  | 312
Revolving and junior liens |  | 2 |  |  | 210 |  | - |  |  | -
|  | 3 |  | $ | 347 |  | 4 |  | $ | 1,077
Schedule of loans to principal officers, directors, and their affiliates, made in the ordinary course of business |
|  | 2014 |  | 2013 |
Beginning balance |  | $ | 6,414 |  | $ | 3,586 |
New loans |  |  | 41,810 |  |  | 27,616 |
Repayments and other reductions |  |  | (38,295) |  |  | (24,831) |
Change in related party status |  |  | (2,136) |  |  | 43 |
Ending balance |  | $ | 7,793 |  | $ | 6,414 |

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