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Loans (Tables) | 3 Months Ended
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Mar. 31, 2015
Loans |
Schedule of major classifications of loans |
|  | March 31, 2015 |  | December 31, 2014 |
Commercial |  | $ | 114,241 |  | $ | 119,158 |
Real estate - commercial |  |  | 608,267 |  |  | 600,629 |
Real estate - construction |  |  | 39,430 |  |  | 44,795 |
Real estate - residential |  |  | 363,967 |  |  | 370,191 |
Consumer |  |  | 3,495 |  |  | 3,504 |
Overdraft |  |  | 368 |  |  | 649 |
Lease financing receivables |  |  | 8,651 |  |  | 8,038 |
Other |  |  | 11,945 |  |  | 11,630 |
|  |  | 1,150,364 |  |  | 1,158,594 |
Net deferred loan fees |  |  | 705 |  |  | 738 |
|  | $ | 1,151,069 |  | $ | 1,159,332 |
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
March 31, 2015 |  | Past Due |  | Past Due |  | Due |  | Due |  | Current |  | Nonaccrual |  | Total Loans |  | Accruing
Commercial |  | $ | 684 |  | $ | - |  | $ | - |  | $ | 684 |  | $ | 120,311 |  | $ | 1,897 |  | $ | 122,892 |  | $ | -
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 2,921 |  |  | - |  |  | - |  |  | 2,921 |  |  | 127,156 |  |  | 5,427 |  |  | 135,504 |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 170,733 |  |  | 1,409 |  |  | 172,142 |  |  | -
Non-owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 151,033 |  |  | 750 |  |  | 151,783 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 92,702 |  |  | 1,198 |  |  | 93,900 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 41,012 |  |  | - |  |  | 41,012 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 12,556 |  |  | 1,370 |  |  | 13,926 |  |  | -
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,660 |  |  | - |  |  | 2,660 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,463 |  |  | - |  |  | 2,463 |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 6,300 |  |  | - |  |  | 6,300 |  |  | -
All other |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 27,506 |  |  | 501 |  |  | 28,007 |  |  | -
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 359 |  |  | - |  |  | - |  |  | 359 |  |  | 134,329 |  |  | 1,160 |  |  | 135,848 |  |  | -
Owner occupied |  |  | 2,092 |  |  | - |  |  | - |  |  | 2,092 |  |  | 107,125 |  |  | 6,745 |  |  | 115,962 |  |  | -
Revolving and junior liens |  |  | 255 |  |  | 10 |  |  | - |  |  | 265 |  |  | 109,301 |  |  | 2,591 |  |  | 112,157 |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 3,495 |  |  | - |  |  | 3,495 |  |  | -
All other 1 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 13,018 |  |  | - |  |  | 13,018 |  |  | -
|  | $ | 6,311 |  | $ | 10 |  | $ | - |  | $ | 6,321 |  | $ | 1,121,700 |  | $ | 23,048 |  | $ | 1,151,069 |  | $ | -
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 Due |  | 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 |  | $ | -
1. The “All other” class includes overdrafts and net deferred costs.
Schedule of credit quality indicators by class of loans |
March 31, 2015 |  |  |  |  | Special |  |  |  |  |  |  |  |  |
|  | Pass |  | Mention |  | Substandard 1 |  | Doubtful |  | Total
Commercial |  | $ | 111,647 |  | $ | 6,309 |  | $ | 4,936 |  | $ | - |  | $ | 122,892
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 125,429 |  |  | 3,123 |  |  | 6,952 |  |  | - |  |  | 135,504
Owner occupied special purpose |  |  | 161,825 |  |  | 6,894 |  |  | 3,423 |  |  | - |  |  | 172,142
Non-owner occupied general purpose |  |  | 146,281 |  |  | 2,872 |  |  | 2,630 |  |  | - |  |  | 151,783
Non-owner occupied special purpose |  |  | 88,655 |  |  | 4,047 |  |  | 1,198 |  |  | - |  |  | 93,900
Retail Properties |  |  | 38,501 |  |  | 2,511 |  |  | - |  |  | - |  |  | 41,012
Farm |  |  | 12,027 |  |  | 529 |  |  | 1,370 |  |  | - |  |  | 13,926
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 2,660 |  |  | - |  |  | - |  |  | - |  |  | 2,660
Land |  |  | 2,463 |  |  | - |  |  | - |  |  | - |  |  | 2,463
Commercial speculative |  |  | 2,828 |  |  | - |  |  | 3,472 |  |  | - |  |  | 6,300
All other |  |  | 27,506 |  |  | - |  |  | 501 |  |  | - |  |  | 28,007
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 134,673 |  |  | - |  |  | 1,175 |  |  | - |  |  | 135,848
Owner occupied |  |  | 108,433 |  |  | - |  |  | 7,529 |  |  | - |  |  | 115,962
Revolving and junior liens |  |  | 108,735 |  |  | 188 |  |  | 3,234 |  |  | - |  |  | 112,157
Consumer |  |  | 3,494 |  |  | - |  |  | 1 |  |  | - |  |  | 3,495
All other |  |  | 13,018 |  |  | - |  |  | - |  |  | - |  |  | 13,018
Total |  | $ | 1,088,175 |  | $ | 26,473 |  | $ | 36,421 |  | $ | - |  | $ | 1,151,069
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
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 |
|  |  |  | Three Months Ended
|  | As of March 31, 2015 |  | March 31, 2015
|  |  |  |  | Unpaid |  |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
|  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,897 |  | $ | 2,571 |  | $ | - |  | $ | 1,699 |  | $ | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 2,593 |  |  | 3,279 |  |  | - |  |  | 4,859 |  |  | 15
Owner occupied special purpose |  |  | 1,154 |  |  | 1,240 |  |  | - |  |  | 1,476 |  |  | 6
Non-owner occupied general purpose |  |  | 750 |  |  | 1,160 |  |  | - |  |  | 2,790 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | 712 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | 1,370 |  |  | 1,370 |  |  | - |  |  | 685 |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 1,320 |  |  | 1,320 |  |  | - |  |  | 1,555 |  |  | 21
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
All other |  |  | 240 |  |  | 324 |  |  | - |  |  | 266 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 1,760 |  |  | 2,101 |  |  | - |  |  | 2,177 |  |  | 10
Owner occupied |  |  | 11,602 |  |  | 13,113 |  |  | - |  |  | 11,511 |  |  | 43
Revolving and junior liens |  |  | 2,330 |  |  | 3,628 |  |  | - |  |  | 2,284 |  |  | 2
Consumer |  |  | - |  |  | - |  |  |  |  |  | - |  |  | -
Total impaired loans with no recorded allowance |  |  | 25,016 |  |  | 30,106 |  |  | - |  |  | 30,014 |  |  | 97
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 4,011 |  |  | 4,657 |  |  | 1,304 |  |  | 2,006 |  |  | -
Owner occupied special purpose |  |  | 609 |  |  | 687 |  |  | 113 |  |  | 304 |  |  | -
Non-owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | 38 |  |  | -
Non-owner occupied special purpose |  |  | 1,380 |  |  | 1,806 |  |  | 163 |  |  | 690 |  |  | 4
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
All other |  |  | 261 |  |  | 300 |  |  | 60 |  |  | 266 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 131 |  |  | 144 |  |  | 21 |  |  | 133 |  |  | -
Owner occupied |  |  | 152 |  |  | 194 |  |  | 30 |  |  | 87 |  |  | 1
Revolving and junior liens |  |  | 366 |  |  | 405 |  |  | 93 |  |  | 368 |  |  | 1
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 6,910 |  |  | 8,193 |  |  | 1,784 |  |  | 3,892 |  |  | 6
Total impaired loans |  | $ | 31,926 |  | $ | 38,299 |  | $ | 1,784 |  | $ | 33,906 |  | $ | 103
Impaired loans by class of loans were as follows:
|  |  |  |  |  |  |  |  |  |  | Three Months Ended
|  | As of December 31, 2014 |  | March 31, 2014
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
|  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,500 |  | $ | 2,114 |  | $ | - |  | $ | 26 |  | $ | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 7,125 |  |  | 7,870 |  |  | - |  |  | 2,567 |  |  | 1
Owner occupied special purpose |  |  | 1,798 |  |  | 1,941 |  |  | - |  |  | 4,120 |  |  | -
Non-owner occupied general purpose |  |  | 4,831 |  |  | 5,653 |  |  | - |  |  | 6,886 |  |  | 15
Non-owner occupied special purpose |  |  | 1,423 |  |  | 1,930 |  |  | - |  |  | 652 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | 3,107 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 1,791 |  |  | 1,791 |  |  | - |  |  | 1,955 |  |  | 28
Land |  |  | - |  |  | - |  |  | - |  |  | 209 |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | 1,325 |  |  | -
All other |  |  | 291 |  |  | 323 |  |  | - |  |  | 150 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 2,595 |  |  | 3,024 |  |  | - |  |  | 4,673 |  |  | 1
Owner occupied |  |  | 11,419 |  |  | 12,816 |  |  | - |  |  | 9,589 |  |  | 47
Revolving and junior liens |  |  | 2,238 |  |  | 3,541 |  |  | - |  |  | 2,030 |  |  | 1
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with no recorded allowance |  |  | 35,011 |  |  | 41,003 |  |  | - |  |  | 37,289 |  |  | 93
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | 926 |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | 3,225 |  |  | -
Non-owner occupied general purpose |  |  | 76 |  |  | 76 |  |  | 21 |  |  | 469 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | 84 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | 588 |  |  | -
All other |  |  | 270 |  |  | 306 |  |  | 98 |  |  | 402 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 135 |  |  | 145 |  |  | 24 |  |  | 514 |  |  | -
Owner occupied |  |  | 23 |  |  | 65 |  |  | 38 |  |  | 890 |  |  | 2
Revolving and junior liens |  |  | 371 |  |  | 405 |  |  | 97 |  |  | 997 |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 875 |  |  | 997 |  |  | 278 |  |  | 8,095 |  |  | 2
Total impaired loans |  | $ | 35,886 |  | $ | 42,000 |  | $ | 278 |  | $ | 45,384 |  | $ | 95
Schedule of TDRs modified during the period by type of modification |
|  | TDR Modifications |
|  | Three Months Ended March 31, 2015 |
|  | # of |  | Pre-modification |  | Post-modification |
|  | contracts |  | recorded investment |  | recorded investment |
Troubled debt restructurings |  |  |  |  |  |  |  |  |
Real estate - commercial |  |  |  |  |  |  |  |  |
Bifurcate 1 |  | 1 |  | $ | 300 |  | $ | 182 |
Real estate - residential |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |
Other 2 |  | 1 |  |  | 147 |  |  | 156 |
|  | 2 |  | $ | 447 |  | $ | 338 |
|  | TDR Modifications |
|  | Three Months Ended March 31, 2014 |
|  | # of |  | Pre-modification |  | Post-modification |
|  | contracts |  | recorded investment |  | recorded investment |
Troubled debt restructurings |  |  |  |  |  |  |  |  |
Real estate - commercial |  |  |  |  |  |  |  |  |
Other 2 |  | 2 |  | $ | 1,320 |  | $ | 1,191 |
Real estate - residential |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |
HAMP 3 |  | 1 |  |  | 102 |  |  | 76 |
Deferral 4 |  | 1 |  |  | 237 |  |  | 127 |
|  | 4 |  | $ | 1,659 |  | $ | 1,394 |
1 Bifurcate: Refers to an “A/B” restructure separated into two notes, charging off the entire B portion of the note. 2 Other: Change of terms from bankruptcy court 3 HAMP: Home Affordable Modification Program 4 Deferral: Refers to the deferral of principal

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- Definition Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics. + References Reference 1: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 50 -Paragraph 29 -URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953659-111524 Reference 2: http://www.xbrl.org/2003/role/presentationRef -Publisher FASB -Name Accounting Standards Codification -Topic 310 -SubTopic 10 -Section 55 -Paragraph 19 -URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525 + Details
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