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Loans (Tables) | 9 Months Ended
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Sep. 30, 2015
Loans |
Schedule of major classifications of loans |
|  | September 30, 2015 |  | December 31, 2014 |
Commercial |  | $ | 120,036 |  | $ | 119,158 |
Real estate - commercial |  |  | 609,937 |  |  | 600,629 |
Real estate - construction |  |  | 23,461 |  |  | 44,795 |
Real estate - residential |  |  | 354,106 |  |  | 370,191 |
Consumer |  |  | 4,005 |  |  | 3,504 |
Overdraft |  |  | 423 |  |  | 649 |
Lease financing receivables |  |  | 9,697 |  |  | 8,038 |
Other |  |  | 10,345 |  |  | 11,630 |
|  |  | 1,132,010 |  |  | 1,158,594 |
Net deferred loan fees |  |  | 902 |  |  | 738 |
|  | $ | 1,132,912 |  | $ | 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
September 30, 2015 |  | Past Due |  | Past Due |  | Due |  | Due |  | Current |  | Nonaccrual |  | Total Loans |  | Accruing
Commercial |  | $ | - |  | $ | - |  | $ | - |  | $ | - |  | $ | 129,201 |  | $ | 532 |  | $ | 129,733 |  | $ | -
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 132 |  |  | 126 |  |  | - |  |  | 258 |  |  | 123,857 |  |  | 1,441 |  |  | 125,556 |  |  | -
Owner occupied special purpose |  |  | 136 |  |  | - |  |  | - |  |  | 136 |  |  | 172,906 |  |  | 778 |  |  | 173,820 |  |  | -
Non-owner occupied general purpose |  |  | - |  |  | 697 |  |  | - |  |  | 697 |  |  | 163,842 |  |  | 335 |  |  | 164,874 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 92,623 |  |  | - |  |  | 92,623 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 39,219 |  |  | - |  |  | 39,219 |  |  | -
Farm |  |  | 1,398 |  |  | - |  |  | - |  |  | 1,398 |  |  | 11,175 |  |  | 1,272 |  |  | 13,845 |  |  | -
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,567 |  |  | - |  |  | 2,567 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 1,164 |  |  | - |  |  | 1,164 |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 2,047 |  |  | 3,561 |  |  | 5,608 |  |  | -
All other |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 13,880 |  |  | 242 |  |  | 14,122 |  |  | -
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | - |  |  | 4 |  |  | - |  |  | 4 |  |  | 126,279 |  |  | 624 |  |  | 126,907 |  |  | -
Owner occupied |  |  | - |  |  | 156 |  |  | - |  |  | 156 |  |  | 111,933 |  |  | 6,465 |  |  | 118,554 |  |  | -
Revolving and junior liens |  |  | 588 |  |  | 120 |  |  | - |  |  | 708 |  |  | 104,963 |  |  | 2,974 |  |  | 108,645 |  |  | -
Consumer |  |  | 1 |  |  | - |  |  | - |  |  | 1 |  |  | 4,004 |  |  | - |  |  | 4,005 |  |  | -
All other 1 |  |  | - |  |  | - |  |  | - |  |  | - |  |  | 11,670 |  |  | - |  |  | 11,670 |  |  | -
|  | $ | 2,255 |  | $ | 1,103 |  | $ | - |  | $ | 3,358 |  | $ | 1,111,330 |  | $ | 18,224 |  | $ | 1,132,912 |  | $ | -
|  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 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 |
September 30, 2015 |  |  |  |  | Special |  |  |  |  |  |  |  |  |
|  | Pass |  | Mention |  | Substandard 1 |  | Doubtful |  | Total
Commercial |  | $ | 119,222 |  | $ | 9,895 |  | $ | 616 |  | $ | - |  | $ | 129,733
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 123,674 |  |  | 441 |  |  | 1,441 |  |  | - |  |  | 125,556
Owner occupied special purpose |  |  | 172,835 |  |  | 207 |  |  | 778 |  |  | - |  |  | 173,820
Non-owner occupied general purpose |  |  | 161,384 |  |  | 2,313 |  |  | 1,177 |  |  | - |  |  | 164,874
Non-owner occupied special purpose |  |  | 88,665 |  |  | - |  |  | 3,958 |  |  | - |  |  | 92,623
Retail Properties |  |  | 35,809 |  |  | 3,410 |  |  | - |  |  | - |  |  | 39,219
Farm |  |  | 12,573 |  |  | - |  |  | 1,272 |  |  | - |  |  | 13,845
Real estate - construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 2,567 |  |  | - |  |  | - |  |  | - |  |  | 2,567
Land |  |  | 1,164 |  |  | - |  |  | - |  |  | - |  |  | 1,164
Commercial speculative |  |  | 2,047 |  |  | - |  |  | 3,561 |  |  | - |  |  | 5,608
All other |  |  | 13,880 |  |  | - |  |  | 242 |  |  | - |  |  | 14,122
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 126,101 |  |  | - |  |  | 806 |  |  | - |  |  | 126,907
Owner occupied |  |  | 111,375 |  |  | - |  |  | 7,179 |  |  | - |  |  | 118,554
Revolving and junior liens |  |  | 104,858 |  |  | 188 |  |  | 3,599 |  |  | - |  |  | 108,645
Consumer |  |  | 4,004 |  |  | - |  |  | 1 |  |  | - |  |  | 4,005
All other |  |  | 11,670 |  |  | - |  |  | - |  |  | - |  |  | 11,670
Total |  | $ | 1,091,828 |  | $ | 16,454 |  | $ | 24,630 |  | $ | - |  | $ | 1,132,912
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 |
|  |  |  | Nine Months Ended
|  | As of September 30, 2015 |  | September 30, 2015
|  |  |  |  | Unpaid |  |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
|  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 528 |  | $ | 609 |  | $ | - |  | $ | 1,014 |  | $ | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 2,589 |  |  | 3,483 |  |  | - |  |  | 4,857 |  |  | 62
Owner occupied special purpose |  |  | 778 |  |  | 875 |  |  | - |  |  | 1,288 |  |  | -
Non-owner occupied general purpose |  |  | 335 |  |  | 566 |  |  | - |  |  | 2,583 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | 712 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | 1,272 |  |  | 1,338 |  |  | - |  |  | 636 |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | 896 |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | 3,561 |  |  | 3,561 |  |  | - |  |  | 1,780 |  |  | -
All other |  |  | 242 |  |  | 288 |  |  | - |  |  | 266 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 1,504 |  |  | 1,820 |  |  | - |  |  | 2,050 |  |  | 33
Owner occupied |  |  | 11,199 |  |  | 12,729 |  |  | - |  |  | 11,309 |  |  | 128
Revolving and junior liens |  |  | 2,762 |  |  | 4,068 |  |  | - |  |  | 2,500 |  |  | 4
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with no recorded allowance |  |  | 24,770 |  |  | 29,337 |  |  | - |  |  | 29,891 |  |  | 227
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | 4 |  |  | 9 |  |  | 5 |  |  | 2 |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Non-owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | 38 |  |  | -
Non-owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Land |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
All other |  |  | - |  |  | - |  |  | - |  |  | 135 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | - |  |  | - |  |  | - |  |  | 67 |  |  | -
Owner occupied |  |  | - |  |  | - |  |  | - |  |  | 12 |  |  | -
Revolving and junior liens |  |  | 358 |  |  | 405 |  |  | 20 |  |  | 364 |  |  | 2
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 362 |  |  | 414 |  |  | 25 |  |  | 618 |  |  | 2
Total impaired loans |  | $ | 25,132 |  | $ | 29,751 |  | $ | 25 |  | $ | 30,509 |  | $ | 229
Impaired loans by class of loans were as follows:
|  |  |  |  |  |  |  |  |  |  | Nine Months Ended
|  | As of December 31, 2014 |  | September 30, 2014
|  |  |  | Unpaid |  |  |  | Average |  | Interest
|  | Recorded |  | Principal |  | Related |  | Recorded |  | Income
|  | Investment |  | Balance |  | Allowance |  | Investment |  | Recognized
With no related allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  | $ | 1,500 |  | $ | 2,114 |  | $ | - |  | $ | 836 |  | $ | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | 7,125 |  |  | 7,870 |  |  | - |  |  | 4,860 |  |  | 81
Owner occupied special purpose |  |  | 1,798 |  |  | 1,941 |  |  | - |  |  | 3,294 |  |  | -
Non-owner occupied general purpose |  |  | 4,831 |  |  | 5,653 |  |  | - |  |  | 6,246 |  |  | 45
Non-owner occupied special purpose |  |  | 1,423 |  |  | 1,930 |  |  | - |  |  | 1,067 |  |  | -
Retail properties |  |  | - |  |  | - |  |  | - |  |  | 1,572 |  |  | -
Farm |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Construction |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Homebuilder |  |  | 1,791 |  |  | 1,791 |  |  | - |  |  | 1,903 |  |  | 69
Land |  |  | - |  |  | - |  |  | - |  |  | 209 |  |  | -
Commercial speculative |  |  | - |  |  | - |  |  | - |  |  | 369 |  |  | -
All other |  |  | 291 |  |  | 323 |  |  | - |  |  | 155 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 2,595 |  |  | 3,024 |  |  | - |  |  | 4,269 |  |  | 32
Owner occupied |  |  | 11,419 |  |  | 12,816 |  |  | - |  |  | 10,457 |  |  | 128
Revolving and junior liens |  |  | 2,238 |  |  | 3,541 |  |  | - |  |  | 1,899 |  |  | 4
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with no recorded allowance |  |  | 35,011 |  |  | 41,003 |  |  | - |  |  | 37,136 |  |  | 359
With an allowance recorded |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Commercial |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Commercial real estate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied general purpose |  |  | - |  |  | - |  |  | - |  |  | 365 |  |  | -
Owner occupied special purpose |  |  | - |  |  | - |  |  | - |  |  | 2,443 |  |  | -
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 |  |  | 357 |  |  | -
Residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  | 135 |  |  | 145 |  |  | 24 |  |  | 412 |  |  | -
Owner occupied |  |  | 23 |  |  | 65 |  |  | 38 |  |  | 912 |  |  | 15
Revolving and junior liens |  |  | 371 |  |  | 405 |  |  | 97 |  |  | 912 |  |  | -
Consumer |  |  | - |  |  | - |  |  | - |  |  | - |  |  | -
Total impaired loans with a recorded allowance |  |  | 875 |  |  | 997 |  |  | 278 |  |  | 6,542 |  |  | 15
Total impaired loans |  | $ | 35,886 |  | $ | 42,000 |  | $ | 278 |  | $ | 43,678 |  | $ | 374
Schedule of TDRs modified during the period by type of modification |
|  | TDR Modifications |  | TDR Modifications |
|  | Three Months Ended September 30, 2015 |  | Nine Months Ended September 30, 2015 |
|  | # of |  | Pre-modification |  | Post-modification |  | # of |  | Pre-modification |  | Post-modification |
|  | contracts |  | recorded investment |  | recorded investment |  | contracts |  | recorded investment |  | recorded investment |
Troubled debt restructurings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other 1 |  | - |  | $ | - |  | $ | - |  | 3 |  | $ | 404 |  | $ | 412 |
Revolving and junior liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HAMP 2 |  | 1 |  |  | 45 |  |  | 11 |  | 4 |  |  | 178 |  |  | 142 |
Other 1 |  | 3 |  |  | 378 |  |  | 349 |  | 3 |  |  | 378 |  |  | 349 |
|  | 4 |  | $ | 423 |  | $ | 360 |  | 10 |  | $ | 960 |  | $ | 903 |
|  | TDR Modifications |  | TDR Modifications |
|  | Three Months Ended September 30, 2014 |  | Nine Months Ended September 30, 2014 |
|  | # of |  | Pre-modification |  | Post-modification |  | # of |  | Pre-modification |  | Post-modification |
|  | contracts |  | recorded investment |  | recorded investment |  | contracts |  | recorded investment |  | recorded investment |
Troubled debt restructurings |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Real estate - commercial |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other 1 |  | - |  | $ | - |  | $ | - |  | 2 |  | $ | 1,320 |  | $ | 1,118 |
Real estate - residential |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Investor |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other 1 |  | 1 |  |  | 155 |  |  | 153 |  | 1 |  |  | 155 |  |  | 153 |
Owner occupied |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
HAMP 2 |  | - |  |  | - |  |  | - |  | 1 |  |  | 102 |  |  | 74 |
Deferral 3 |  | - |  |  | - |  |  | - |  | 2 |  |  | 344 |  |  | 226 |
Revolving and junior liens |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Other 1 |  | 1 |  |  | 62 |  |  | 59 |  | 3 |  |  | 222 |  |  | 218 |
|  | 2 |  | $ | 217 |  | $ | 212 |  | 9 |  | $ | 2,143 |  | $ | 1,789 |
1. Other: Change of terms from bankruptcy court 2 HAMP: Home Affordable Modification Program 3 Deferral: Refers to the deferral of principal

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